{"took":1113,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":35,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4029227","_score":16.55365,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint narrative : RE : Complaint regarding Regulation E violation by M & T Bank Dear Sir or Madam : This is a complaint against M & T Bank for violating Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 1005.11, by not conducting an investigation and/or by not providing a written explanation of why my claim of unauthorized transaction under Regulation E was denied. \n\nOn XXXX I notified M & T Bank that my Debit card was used for an unauthorized transaction in the amount of {$990.00} on XXXX with a merchant XXXX. I did not authorize any transactions with the merchant XXXX on or after this date, and I did not authorize anyone else to use my Debit card with that merchant. \n\nOn XXXX I found out that M & T Bank denied my Regulation E dispute without providing a responsible written explanation. \n\nI kindly request that you investigate M & T Bank 's violation of Regulation E, and compel M & T Bank to restore the funds which have been withdrawn from my account as a result of the above mentioned unauthorized transaction. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2020-12-23T20:46:24.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"20814","tags":null,"has_narrative":true,"complaint_id":"4029227","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2020-12-23T19:06:13.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>narrative</em> : RE : <em>Complaint</em> regarding Regulation E violation by M & T Bank <em>Dear</em> Sir or Madam : This is a <em>complaint</em> against M & T Bank for violating Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 1005.11, by not conducting an investigation and/or by not providing a written explanation of why my claim of unauthorized transaction under Regulation E was denied."]},"sort":[16.55365,"4029227"]},{"_index":"complaint-public-v1","_id":"11268180","_score":13.647289,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Narrative Complaint Against Experian Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their inaccurate reporting practices, which have adversely affected my credit profile. My experience with Experian has raised serious concerns about their compliance with the Fair Credit Reporting Act, particularly the provisions ensuring accuracy and fairness in credit reporting.\n\nI reviewed my credit report from Experian and noticed discrepancies that I believe violate 15 U.S. Code 1681. Specifically, Experian failed to update my credit report to reflect my timely payment made in XXXX for my credit card account. Despite my account being reported on the XXXX XXXX XXXX XXXX, the XXXX payment was not reflected, leading to a negative impact on my credit score.\n\nI have made several attempts to address this issue directly with Experian through their dispute resolution process. However, my efforts have been met with inadequate responses, and the inaccuracies remain uncorrected. This situation has not only affected my credit score but has also hindered my ability to secure financial products that depend on a fair and accurate credit report.\n\nAs a consumer, I rely on Experian to provide accurate information that reflects my creditworthiness. The lack of proper reporting not only undermines my financial stability but also violates the principles set forth by Congress regarding the necessity of accurate credit reporting for the functioning of the banking system.\n\nI respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian adheres to the requirements of the Fair Credit Reporting Act. Furthermore, I urge you to facilitate the correction of my credit report to reflect the accurate information regarding my payment history.\n\nThank you for your attention to my complaint. I look forward to your swift response and resolution of this matter.\n\nSincerely,","date_sent_to_company":"2024-12-24T14:25:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"11268180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-24T14:21:30.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXX/XX/year> Consumer Financial Protection Bureau <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Subject : <em>Narrative</em> <em>Complaint</em> Against Experian <em>Dear</em> Consumer Financial Protection Bureau, I am <em>writing</em> to file a formal <em>complaint</em> against Experian regarding their inaccurate reporting practices, which have adversely affected my credit profile."]},"sort":[13.647289,"11268180"]},{"_index":"complaint-public-v1","_id":"16574340","_score":13.258579,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir or Madam, Product : Disputed credit card charges Sub-product : Disputed credit card charges Issue : issues paying disputed credit card charges Sub issue : hardship repaying disputed credit card charges Consumer complaint narrative : I am writing to you due to fraudulent charges on a XXXX Barclays credit card. \nI am a senior citizen who has been taken advantage of. I was involved in a presentation with XXXX corporation in XX/XX/year>. \nAfter an extensive, unusually long, extremely high pressure sales process for a vacation package, I was offered a Barclays credit card to use for anything I wanted to purchase in order to offset the cost of the maintenance fees associated with the vacation package. I was told that by using this credit card as much as I could, would gather enough points every month to cover the maintenance fees for this timeshare vacation package. \nI did not realize that I was being charged over {$13000.00} on this credit card for, what I recently discovered, was a down payment for said vacation package. I obviously did NOT understand what was taking place or I would not have agreed to this! \nAfter discovering this, I certainly can not use this card for any other purchases to offset maintenance fees. \nIn good faith, I have attempted to keep up payments on this card, but it has proven to be a hardship and I can no longer make the payments. My husband and I are both retired, living on social security and are raising XXXX grandchildren. It has come down to either paying our regular bills and buying food or continuing to pay this credit card. \nI have contacted Barclays in writing and am waiting to hear back from them. \nI would like to report XXXX for Elder Abuse. They were deceitful and unethical. I am hoping that you will help to remove these charges and cancel this card as I can not keep up with the payments and really did not want another credit card! \n\nThank you for your time, consideration and understanding.","date_sent_to_company":"2025-10-14T13:46:31.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32507","tags":"Older American","has_narrative":true,"complaint_id":"16574340","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2025-10-14T13:20:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["<em>Dear</em> Sir or Madam, Product : Disputed credit card charges Sub-product : Disputed credit card charges Issue : issues paying disputed credit card charges Sub issue : hardship repaying disputed credit card charges Consumer <em>complaint</em> <em>narrative</em> : I am <em>writing</em> to you due to fraudulent charges on a <em>XXXX</em> Barclays credit card. \nI am a senior citizen who has been taken advantage of. I was involved in a presentation with <em>XXXX</em> corporation in XX/XX/year>."]},"sort":[13.258579,"16574340"]},{"_index":"complaint-public-v1","_id":"17904182","_score":12.376699,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report Confirmation # : XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Dear Equifax Dispute Department : I am writing to formally dispute several inaccurate items on my Equifax credit report dated XX/XX/XXXX ( Confirmation XXXX XXXXXXXX ), pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request that you conduct a reasonable investigation into these matters within XXXX  days, as required by FCRA 1681i ( a ) ( 1 ), and delete or correct any unverifiable or inaccurate information. If you fail to complete the investigation within the statutory timeframe ( extendable to XXXX  days only if additional information is provided by me ), the disputed items must be deleted under FCRA 1681i ( a ) ( 5 ).\n\nPlease note that under FCRA 1681s-2 ( b ), you must forward this dispute to the furnishers of the information ( listed below ) and require them to investigate and verify the accuracy of the reported data. If the information can not be verified as accurate, complete, and current, it must be removed from my report. I have enclosed copies of supporting documentation, including my credit report excerpts, and I am sending copies of this letter to the furnishers via certified mail. \nThe disputed items are as follows : * XXXX XXXX  Services Account ( XXXX ) Reported Details : Status : Charge Off ; Balance : {$1900.00} ; Amount Past Due : {$1900.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : This account is inaccurately reported as a charge-off with an outstanding past due balance. Under FCRA 1681s-2 ( a ) ( 1 ), furnishers must report accurate and complete information. The status may not reflect any post-charge-off payments or settlements, violating the requirement for up-to-date reporting. Additionally, the delinquency dates appear re-aged or inconsistent with my records, in violation of FCRA 1681c ( a ), which prohibits reporting delinquencies older than XXXX  years from the original date. Narrative code XXXX ( XXXX  days past due ) conflicts with the charge-off status if the account was closed without resolution. This information is unverifiable and should be deleted if not confirmed within XXXX XXXXFurnisher : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX. \n\n* Department of Education Account ( XXXX ) Reported Details : Status : Over XXXX  Days Past Due ; Amount Past Due : {$190.00} ; Scheduled Payment : {$38.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : The status is inaccurate due to conflicting narrative codes. Code XXXX indicates \" XXXX XXXX deferred, '' yet it is reported as past due, violating FCRA 1681s-2 ( a ) ( 1 ) for inaccurate reporting. Codes XXXX and XXXX suggest prior disputes resolved by the furnisher, but the current delinquency does not reflect this resolution, breaching FCRA 1681s-2 ( a ) ( 3 ) for failure to note resolved disputes. Code XXXX marks it as \" previously in disputenow resolved, '' making the ongoing past due status incomplete and unverifiable. Federal student loans in deferment should not show delinquencies ; this error must be corrected or deleted if not verified within XXXX  days. \nFurnisher : Department of Education, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\n* Department of Education Account ( XXXX ) Reported Details : Status : Over XXXX  Days Past Due ; Amount Past Due : {$350.00} ; Scheduled Payment : {$70.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : Identical issues as Account XXXX XXXX. The deferred status ( code XXXX ) conflicts with the past due reporting, violating FCRA 1681s-2 ( a ) ( XXXX ). Resolved dispute markers ( XXXX, XXXX, XXXX ) are not reflected in the current status, per FCRA 1681s-2 ( a ) ( 3 ). This appears to be a systemic reporting error for student loans ; delete if unverifiable within 30 days. \nFurnisher : Department of Education, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\nXXXX  Department of Education Account ( XXXX ) Reported Details : Status : Over 120 Days Past Due ; Amount Past Due : {$32.00} ; Scheduled Payment : {$6.00} ; Date of XXXX Delinquency : XX/XX/XXXX ; Narrative Codes : XXXX, XXXX, XXXX, XXXX. \nGrounds for Dispute : Same violations as above. Deferment code XXXX invalidates the delinquency reporting under FCRA 1681s-2 ( a ) ( 1 ). Unresolved dispute indicators ( XXXX, XXXX, XXXX ) require update or deletion per FCRA 1681s-2 ( a ) ( 3 ). Remove if not verified within 30 days. \nFurnisher : Department of Education, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. \n\n\nThese inaccuracies are harming my credit score and ability to obtain credit. Please provide me with the results of your investigation, including descriptions of the procedures used, in writing within XXXX  days of completion, as required by FCRA 1681i ( a ) ( 6 ). If any items are deleted, send an updated credit report to me and all parties who have inquired about my credit in the past XXXX  months ( or XXXX  years for employment purposes ). \nFailure to comply may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful noncompliance under FCRA 1681n, including statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney fees. \nThank you for your prompt attention. I look forward to your response. \nSincerely, XXXX XXXX Enclosures : Copy of Equifax Credit Report ( excerpts ) Copy of Identification ( Driver 's License or Utility Bill ) Any relevant payment records or deferment confirmations ( attach if available ) cc : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-10T00:22:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90631","tags":null,"has_narrative":true,"complaint_id":"17904182","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-10T00:12:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> XXXXXXXX, CA <em>XXXX</em> XX/XX/<em>XXXX</em> Equifax Information Services LLC <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, GA <em>XXXX</em> Re : Dispute of Inaccurate Information on Credit Report Confirmation # : <em>XXXX</em> Social Security Number : <em>XXXX</em> Date of Birth : XX/XX/<em>XXXX</em> <em>Dear</em> Equifax Dispute Department : I am <em>writing</em> to formally dispute several inaccurate items on my Equifax credit report dated XX/XX/<em>XXXX</em> ( Confirmation <em>XXXX</em> XXXXXXXX ), pursuant to my rights under the Fair Credit Reporting Act ( FCRA ),"]},"sort":[12.376699,"17904182"]},{"_index":"complaint-public-v1","_id":"7298842","_score":12.016339,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ), 15 U.S.C. 6801 Request for Removal Dear Sir/Madam, I am writing to dispute the unauthorized inclusion of certain items on my credit report, which I believe infringes upon my rights as outlined under the United States Code , specifically 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ). I kindly request that you conduct an immediate investigation into these matters and take the necessary actions to rectify them.\n\nFirstly, according to 15 U.S.C. 1681 ( b ), credit reporting agencies are not permitted to include any information on an individual 's credit report without obtaining their written consent. To the best of my knowledge, I have not provided written consent for the items in question to be included on my credit report. Hence, their inclusion violates this provision.\n\nFurthermore, 15 U.S.C. 1681 ( c ) ( 1 ) states that the unauthorized placement of items on a credit report without written consent constitutes identity theft. I assert that these unauthorized entries are a result of identity theft since I have not granted permission for their inclusion on my credit report.\n\nAdditionally, in accordance with 15 U.S.C. 1681 ( c ) ( 2 ), if a consumer notifies a credit reporting agency of inaccurate or incomplete information, the agency must promptly investigate and remove the information as necessary. Therefore, I request that you conduct an immediate investigation into the unauthorized items on my credit report and take prompt action to remove them, as they lack my written consent and inaccurately reflect my credit history.\n\nFurthermore, it is worth noting that under the provisions of 15 U.S.C. 6801, credit reporting agencies are required to safeguard consumer information to prevent unauthorized access and use. Failure to meet these safeguards may result in violations of consumer privacy and security rights. I expect you to adhere to these safeguarding requirements and ensure the removal of the unauthorized items from my credit report.\n\nAccording to the provisions outlined in the USC code, specifically Under 15 U.S. Code 1681 The definition of \" INVESTIGATE '' : ( e ) 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. I have the right to dispute inaccurate information on my credit report. I exercised this right and submitted a formal dispute to the Bureau 's on XX/XX/XXXX. The inaccuracies pertain to Collection entry on my credit report that I have never authorized or entered into any contractual agreement with. Cease all collection activities until investigation completion. 15 U.S. Code 1681s 2, 1681a ( 3 ). \n. \n\nDespite providing all necessary documentation and evidence to support my dispute, the Bureau has failed to initiate a thorough investigation into the matter. As per the U.S.C. code definition, it is the responsibility of the credit bureau to conduct a reasonable investigation upon receiving notice of a dispute.\n\nI am deeply concerned about this violation of the law and the potential negative impact on my creditworthiness. The failure to investigate my dispute not only undermines my rights as a consumer but also compromises the accuracy and integrity of the credit reporting system as a whole.\n\nI kindly request your intervention and assistance in addressing this matter. I believe it is imperative for the Bureau 's to adhere to the regulations set forth in the U.S.C. code and fulfill its obligation to investigate and correct inaccuracies on my credit report.\n\nI respectfully ask that you investigate this matter further, ensure compliance with the applicable U.S.C. code, and take appropriate actions against the Bureau 's for their non-compliance. Additionally, I kindly request that you keep me informed of any progress or developments regarding my complaint.\n\nI kindly request that you provide written documentation of the investigation results, as well as the removal or modification of the unauthorized items, within 14 business days.\n\nPlease consider this letter as my formal request for an investigation and resolution of the unauthorized credit reporting entries on my credit report. I trust that you will fulfill your obligations under the law and promptly address this matter.\n\nLastly, I kindly request that you initiate a comprehensive investigation into these disputed items as outlined in my dispute. Please ensure that the investigation is conducted in accordance with the relevant sections of the FCRA, including but not limited to : 15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate/Invalidated Credit Information 15 U.S. Code 1681e ( b ) - Compliance Procedures for Maximum Possible Accuracy 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies under FCRA 15 U.S. Code 1692e - False or Misleading Representations under FDCPA 15 U.S. Code 1681a ( 3 ) - Restriction on Sharing of Medical Information 15 US Code 1681b ( 4 ) - Limitation on Redisclosure of Medical Information 15 U.S. Code 1681a ( 2 ) ( B ) - Exclusions from a Consumer Report 15 U.S. Code 1666 ( b ) - Billing Error under TILA 15 U.S. Code 1605 - Determination of Finance Charge During the investigation period, I kindly ask that you place these disputed items in dispute and refrain from reporting them to any third parties. I also request that you contact the relevant data furnishers and inform them of these disputes, instructing them to cease reporting the disputed items until the completion of your investigation and the resolution of these matters.\n\nBelow you will find all the items that are inaccurate : 1. The following personal information is incorrect. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nPrevious Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX Please investigate and remove it from my credit report. \n\n2. The following personal information is incorrect. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nPrevious Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and remove it from my credit report. \n\n\n3. The inquiry was not authorized. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and remove it from my credit report. \n\n\n4. The inquiry was not authorized. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and remove it from my credit report. \n\n\n5. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n6. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n7. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n8. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX XXXX  Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n9. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n10. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n11. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n12. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n13. The following personal information is incorrect. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nPrevious Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please investigate and remove it from my credit report. \n\n14. The following personal information is incorrect. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nPrevious Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove it from my credit report. \n\n15. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX  Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n16. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n17. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\nThank you for your immediate attention to this dispute.","date_sent_to_company":"2023-07-24T16:14:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30096","tags":null,"has_narrative":true,"complaint_id":"7298842","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-24T15:45:31.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ), 15 U.S.C. 6801 Request for Removal <em>Dear</em> Sir/Madam, I am <em>writing</em> to dispute the unauthorized inclusion of certain items on my credit report, which I believe infringes upon my rights as outlined under the United States Code , specifically 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 )."]},"sort":[12.016339,"7298842"]},{"_index":"complaint-public-v1","_id":"8531961","_score":11.924442,"_source":{"product":"Debt collection","complaint_what_happened":"It's evident that each time I lodge a complaint with CFPB, they respond by damaging my credit report. \n\n\nSubject : Urgent Complaint Warning : National Credit Systems Engages in Deceptive Practices Leading to Substantial Credit Score Reductions via {$1.00} Collection Balance Adjustments and Unauthorized Changes to Delinquency Dates. \n\nDear CFPB, I am writing to express my utmost frustration and anger regarding the relentless and deceitful practices perpetrated by National Credit Systems, which are wreaking havoc on my financial stability. \n\nAs of today, Tuesday, XX/XX/2024, I am once again appalled by National Credit Systems ' audacity in removing a collection account from my credit report, only to swiftly re-add it shortly afterward. This blatant disregard for honesty, often referred to as \" trashing the consumer 's credit report, '' is not just unacceptableit 's infuriating. Every time I attempt to hold them accountable by filing a complaint, they retaliate by sabotaging my credit report. \n\nThe manipulative tactics they employ, such as tampering with collection balances by minuscule amounts and unlawfully altering delinquency dates, have caused significant and unwarranted decreases in my credit score. These underhanded tactics, which have persisted unnoticed for over a year, have eroded the trustworthiness and accuracy of my credit report, leaving me utterly exasperated. \n\nThese alterations may seem insignificant to some, but they have far-reaching implications for my creditworthiness. The repeated manipulation of collection balances and delinquency dates creates a false narrative, implying the addition of new collection accounts to my credit reporta situation that only compounds my frustration. \n\nIt is crucial to highlight that collection agencies like National Credit Systems do not possess the authority to tamper with the original delinquency date, nor do they have the right to alter the date of account opening. I have neither authorized any payments nor incurred any charges related to this account. Therefore, the original delinquency date should remain unchanged and should be rightfully expunged from my credit report after seven years. \n\nI vehemently urge the imposition of severe penalties on National Credit Systems for their flagrant violations of the FTC Act. They must be held accountable for their manipulative practices, which not only harm individual consumers but also undermine the integrity of the entire credit reporting system. \n\nA substantial civil penalty, such as XXXX XXXX dollars, is warranted to address the gravity of these unfair and deceptive practices. The evidence unequivocally shows that National Credit Systems has knowingly engaged in conduct that is both unfair and deceptive, making it imperative for the Commission to take swift and decisive action. \nIt is imperative that the CFPB takes decisive action to protect consumers from further harm and to restore integrity to the credit reporting system. Your attention to this urgent matter and your commitment to safeguarding consumer interests are deeply appreciated.","date_sent_to_company":"2024-03-12T16:04:11.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"30260","tags":null,"has_narrative":true,"complaint_id":"8531961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-03-12T15:49:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Dear</em> CFPB, I am <em>writing</em> to express my utmost frustration and anger regarding the relentless and deceitful practices perpetrated by National Credit Systems, which are wreaking havoc on my financial stability. \n\nAs of today, Tuesday, <em>XX/XX</em>/2024, I am once again appalled by National Credit Systems ' audacity in removing a collection account from my credit report, only to swiftly re-add it shortly afterward."]},"sort":[11.924442,"8531961"]},{"_index":"complaint-public-v1","_id":"12067672","_score":11.854685,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer complaint narrative on XXXX I sent XXXX  XXXX XXXX the following letter : Dear Spring Oaks Capital, I am writing to you pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, regarding the above-referenced account, which you claim I owe {$12000.00} I dispute this debt and am requesting that you provide me with the following information : XXXX. Validation of the XXXX XXXX XXXX detailed list of all payments I have made on this account, including dates, amounts, and the method of payment. o A copy of the original signed contract or agreement that obligates me to pay this debt. I wish to see the signature that I placed on this document. XXXX. Insurance Claims o Any records or documentation of insurance claims that have been made related to this debt, if applicable. XXXX. Proof of XXXX and XXXX of XXXX o Documentation that proves you have the legal right to collect on this debt. This includes proof of the chain of title of this debt, from the original creditor to any subsequent owners, and finally to XXXX XXXX XXXX. As you are reporting this item on my credit report, I request that you also provide me with verification that this debt is valid and has not been satisfied by insurance or any other means. Please consider this letter a formal dispute of the debt and a request for validation as required by federal law. If you can not provide the requested information, I expect you to cease all collection activities, including reporting this debt to the credit reporting agencies, and remove any negative entries related to this account from my credit report. Please provide the requested information within XXXX  days of your receipt of this letter. If you do not provide adequate verification within the legally required timeframe, I will assume that you are unable to validate the debt and will expect you to remove any related negative information from my credit report. The company responded back and sent copies of payments made on the account, which does not prove that I made payments on the account. The company did not provide a copy of the signed contract with my signature of the chain of Title. I sent them a follow letter asking for the information and they stated that my request was duplicate and they will not be responding. The company is refusing to provide me with the documentation. Under the Fair Debt Collection Practices Act I am entitled to proper debt validation, which includes the original signed agreement. The XXXX credit bureaus reports this debt does belong to me, I disputed it with them and awaiting there response and the charges will need to be removed immediately.","date_sent_to_company":"2025-02-12T16:17:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"34986","tags":null,"has_narrative":true,"complaint_id":"12067672","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-02-12T16:06:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Consumer <em>complaint</em> <em>narrative</em> on <em>XXXX</em> I sent <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> the following letter : <em>Dear</em> Spring Oaks Capital, I am <em>writing</em> to you pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, regarding the above-referenced account, which you claim I owe {$12000.00} I dispute this debt and am requesting that you provide me with the following information : <em>XXXX</em>."]},"sort":[11.854685,"12067672"]},{"_index":"complaint-public-v1","_id":"12113515","_score":10.876002,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Violation of Consumer Laws and UCC Rights Regarding Re-Insertion of XXXX XXXXXXXX Account Dear XXXX Dispute Department , I am writing to formally file a complaint regarding the results of your reinvestigation of my previous dispute concerning the Discover charge-off account on my credit report. As indicated in your correspondence dated [ Insert Date from XXXX XXXX ], this account was deleted and subsequently re-added. I assert that this action is in direct violation of federal consumer laws and my rights as a secured party under XXXX ( Uniform Commercial Code ) laws. \n\nAttached Documents : Copy of XXXX 's reinvestigation results letter. \nPreviously filed FTC affidavit. \nPrevious CFPB complaint number : XXXX. \nViolation of Consumer Laws Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are mandated to ensure the maximum accuracy of information on consumer reports. It is unlawful under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) to reinsert previously deleted information unless the furnisher of that information certifies its accuracy. I demand proof that such certification was provided by Discover before this account was re-added. \n\nXXXX XXXXXXXX and Reporting of Charge-Off Accounts According to the XXXX XXXX accounts are considered forgiven debt, which constitutes taxable income rather than a credit obligation. As forgiven debt is categorized as income, it is not permissible for such to be reported on a consumer credit report, as income is not a tradeline under the FCRA. Re-inserting this account violates 15 U.S.C. 1681c ( a ) ( 4 ), which prohibits obsolete and inaccurate information. \n\nViolation of XXXX Rights as a Secured Party I am a secured party creditor with a XXXX filing, which establishes my status under XXXX laws. As a secured party, I possess the legal right to control the narrative of my credit and financial dealings. Re-inserting the Discover charge-off account infringes upon my secured party rights under XXXX XXXX  XXXX, which governs the perfection and priority of security interests. XXXX has overstepped by disregarding my standing and lawful claim. \n\nDemands and Resolution I am demanding the immediate and permanent removal of the Discover charge-off account from my credit report. Additionally, I require : Written confirmation of the deletion within XXXX  days. \nA detailed explanation of the procedures followed that led to the reinsertion. \nProof that Discover provided certification of the accounts accuracy prior to reinsertion, as mandated by law. \nAssurance that no further violations of my consumer and XXXX rights will occur. \nFailure to comply with these demands will leave me no choice but to escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action to enforce my rights. \n\nConclusion XXXX has acted unlawfully by re-adding the Discover charge-off account to my credit report. This is a clear violation of FCRA provisions and my secured party rights under XXXX laws. I expect swift corrective action to rectify this matter immediately. \n\nI anticipate your prompt attention and response to this serious issue. \n\nCC : DISCOVER Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2025-02-25T18:09:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11434","tags":null,"has_narrative":true,"complaint_id":"12113515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-02-18T22:15:07.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Subject : Formal <em>Complaint</em> Violation of Consumer Laws and UCC Rights Regarding Re-Insertion of <em>XXXX</em> XXXXXXXX Account <em>Dear</em> <em>XXXX</em> Dispute Department , I am <em>writing</em> to formally file a <em>complaint</em> regarding the results of your reinvestigation of my previous dispute concerning the Discover charge-off account on my credit report."]},"sort":[10.876002,"12113515"]},{"_index":"complaint-public-v1","_id":"14535343","_score":10.755593,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly 1 5 U.S.C. 1681c-2, in handling clear documentation of identity theft and fraudulent activity on my credit reports. Despite submitting all required identification and supporting documentation-including a copy of my Louisiana driver 's license and Social Security card-the credit reporting agencies have not blocked or removed the false information from my file. Additionally, I have been unfairly labeled with terms such as \" consumer disputes, '' \" fraud alerts, '' and notes suggesting that I am engaged in frivolous or underhanded activity.\n\nThis is unacceptable, defamatory, and in direct violation of federal law. In accordance with 15 U.S.C. 1681c-2 ( a ), I have provided : 1. Proof of my identity ( driver 's license and SSN card ) ; 2. A statement of identity theft and fraudulent information ; 3. Identification of all false tradelines and inquiries that are not mine.\n\nStill, the following harmful actions remain : - Accounts are marked with narrative codes such as \" 022 - Consumer Disputes, '' \" 057 - Collection Account, '' and other damaging remarks ; - Public remarks on my Equifax report falsely imply that I submitted frivolous disputes or am associated with fraud ; - Negative items remain, including charge-offs, collections, inquiries, and inaccurate addresses/employers ; - The presence of over a dozen derogatory tradelines I did not authorize,\nincluding but not limited to : - XXXX XXXX XXXX ( multiple entries ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Hard inquiries ) These entries are materially harming my ability to obtain credit and are causing personal and professional harm.\n\nAdditionally, the only personal information that should appear on my credit reports is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Employer : XXXX XXXX All other addresses, phone numbers, employers, fraud alerts, consumer statements, and notations of dispute or identity theft must be permanently removed. Legal Precedent As established in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) and Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), credit bureaus are legally obligated to conduct a meaningful investigation and correct or remove inaccurate data. Mislabeling a legitimate identity theft complaint as \" frivolous '' may constitute willful non-compliance under FCRA 1681n.","date_sent_to_company":"2025-07-08T22:59:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70817","tags":null,"has_narrative":true,"complaint_id":"14535343","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-08T22:58:51.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection Bureau, I am <em>writing</em> to file a formal <em>complaint</em> against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly 1 5 U.S.C. 1681c-2, in handling clear documentation of identity theft and fraudulent activity on my credit reports."]},"sort":[10.755593,"14535343"]},{"_index":"complaint-public-v1","_id":"14532829","_score":10.755593,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly 1 5 U.S.C. 1681c-2, in handling clear documentation of identity theft and fraudulent activity on my credit reports. Despite submitting all required identification and supporting documentation-including a copy of my Louisiana driver 's license and Social Security card-the credit reporting agencies have not blocked or removed the false information from my file. Additionally, I have been unfairly labeled with terms such as \" consumer disputes, '' \" fraud alerts, '' and notes suggesting that I am engaged in frivolous or underhanded activity.\n\nThis is unacceptable, defamatory, and in direct violation of federal law. In accordance with 15 U.S.C. 1681c-2 ( a ), I have provided : 1. Proof of my identity ( driver 's license and SSN card ) ; 2. A statement of identity theft and fraudulent information ; 3. Identification of all false tradelines and inquiries that are not mine.\n\nStill, the following harmful actions remain : - Accounts are marked with narrative codes such as \" 022 - Consumer Disputes, '' \" 057 - Collection Account, '' and other damaging remarks ; - Public remarks on my Equifax report falsely imply that I submitted frivolous disputes or am associated with fraud ; - Negative items remain, including charge-offs, collections, inquiries, and inaccurate addresses/employers ; - The presence of over a dozen derogatory tradelines I did not authorize,\nincluding but not limited to : - XXXX XXXX XXXX ( multiple entries ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Hard inquiries ) These entries are materially harming my ability to obtain credit and are causing personal and professional harm.\n\nAdditionally, the only personal information that should appear on my credit reports is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Employer : XXXX XXXX All other addresses, phone numbers, employers, fraud alerts, consumer statements, and notations of dispute or identity theft must be permanently removed. Legal Precedent As established in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) and Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), credit bureaus are legally obligated to conduct a meaningful investigation and correct or remove inaccurate data. Mislabeling a legitimate identity theft complaint as \" frivolous '' may constitute willful non-compliance under FCRA 1681n.","date_sent_to_company":"2025-07-08T22:59:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70817","tags":null,"has_narrative":true,"complaint_id":"14532829","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-08T22:12:37.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection Bureau, I am <em>writing</em> to file a formal <em>complaint</em> against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly 1 5 U.S.C. 1681c-2, in handling clear documentation of identity theft and fraudulent activity on my credit reports."]},"sort":[10.755593,"14532829"]},{"_index":"complaint-public-v1","_id":"11096926","_score":10.559431,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir/Madam, refused to fulfill his obligations.\n\nI am writing to express my profound disappointment regarding the decision made by Discover Bank concerning my dispute. My husband and I made an unfortunate choice to engage in business with an individual via social media who offered us a \" Done For You '' ( DFY ) service. This individual was supposed to establish a company in my husband 's name, manage advertising for us, and provide us with monthly payments. We paid him {$25000.00} for these services, commencing on XX/XX/year>, with the first payment expected on XX/XX/year>. However, we did not receive the payment. Upon contacting the merchant, he a dispute, as it was still within the time frame to do so. On XX/XX/year>, I filed a dispute with Discover Bank and XXXX XXXX, as we had made payments using both credit cards.\n\nUpon checking my According to our contract, we are entitled to a full refund if the service is not provided. Consequently, we requested the cancellation of the service, but the merchant has not responded. When we did not receive any reply, we contacted our bank to initiate Discover credit card app in XX/XX/XXXX, I discovered that they had ruled in favor of the merchant without notifying me. When I inquired about the reasoning behind this decision, Discover informed me that the merchant had provided proof. I requested to see this proof, and they stated that they would send a copy via mail, which I have yet to receive. When I asked why they could not email it to me, they claimed it was confidential. After a few days, I called again for the proof, and they finally emailed me a copy of the merchant 's documentation, which turned out to be a fake receipt and did not substantiate that the merchant had provided any service. The same receipt was submitted to XXXX XXXX. \n\nXXXX XXXX  contacted me the following day regarding the receipt and allowed us the opportunity to contest the decision until the very end, ultimately resulting in a favorable outcome for us. XXXX demonstrated genuine concern for their customers, whereas Discover provided exceptionally irresponsible service. I submitted the contract, as well as screenshots of messages exchanged between my husband and the merchant, via fax and uploaded them to their website, but received no response until I followed up for updates. They then placed me in a new situation, requesting proof that the merchant did not issue a refund. I find it unreasonable to provide such proof. Each time I call or chat with the bank, I encounter a different supervisor who presents a new narrative and varying circumstances. I have recorded all calls and saved all messages.\n\nI have filed a fraud complaint against the merchant with the FTC and sent a copy to Discover Bank ; however,\nthey seem indifferent to this matter and continue to favor the merchant. At this point, I am uncertain where to seek justice and recover my funds. I have submitted a complaint to the Michigan Department of Insurance and Financial Services, who advised me to contact the Consumer Financial Protection Bureau ( CFPB ).\n\nI am now reaching out to you for assistance in resolving this issue. I understand that this process may take time, but I wish to prevent others from experiencing similar situations. I can no longer trust Discover Bank, and my only hope lies with the Consumer Financial Protection Bureau.","date_sent_to_company":"2024-12-10T22:14:23.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"48317","tags":null,"has_narrative":true,"complaint_id":"11096926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-12-10T21:08:19.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Dear</em> Sir/Madam, refused to fulfill his obligations.\n\nI am <em>writing</em> to express my profound disappointment regarding the decision made by Discover Bank concerning my dispute. My husband and I made an unfortunate choice to engage in business with an individual via social media who offered us a \" Done For You '' ( DFY ) service. This individual was supposed to establish a company in my husband 's name, manage advertising for us, and provide us with monthly payments."]},"sort":[10.559431,"11096926"]},{"_index":"complaint-public-v1","_id":"12113905","_score":10.450675,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Date : XXXXXX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Violation of Consumer Laws and UCC Rights Regarding Re-Insertion of XXXX Charge-Off Account Dear TransUnion Dispute Department , I am writing to formally file a complaint regarding the results of your reinvestigation of my previous dispute concerning the XXXX charge-off account on my credit report. As indicated in your correspondence dated [ Insert Date from TransUnion Letter ], this account was deleted and subsequently re-added. I assert that this action is in direct violation of federal consumer laws and my rights as a secured party under UCC ( Uniform Commercial Code ) laws.\n\nAttached Documents : Copy of TransUnion 's reinvestigation results letter.\n\nPreviously filed FTC affidavit.\n\nPrevious CFPB complaint number : XXXX. \nViolation of Consumer Laws Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are mandated to ensure the maximum accuracy of information on consumer reports. It is unlawful under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) to reinsert previously deleted information unless the furnisher of that information certifies its accuracy. I demand proof that such certification was provided by XXXX before this account was re-added. \n\nIRS Classification and Reporting of Charge-Off Accounts According to the IRS, charge-off accounts are considered forgiven debt, which constitutes taxable income rather than a credit obligation. As forgiven debt is categorized as income, it is not permissible for such to be reported on a consumer credit report, as income is not a tradeline under the FCRA. Re-inserting this account violates 15 U.S.C. 1681c ( a ) ( 4 ), which prohibits obsolete and inaccurate information.\n\nViolation of UCC Rights as a Secured Party I am a secured party creditor with a UCC1 filing, which establishes my status under UCC laws. As a secured party, I possess the legal right to control the narrative of my credit and financial dealings. Re-inserting the XXXX charge-off account infringes upon my secured party rights under UCC Article 9, which governs the perfection and priority of security interests. TransUnion has overstepped by disregarding my standing and lawful claim.\n\nDemands and Resolution I am demanding the immediate and permanent removal of the XXXX charge-off account from my credit report. Additionally, I require : Written confirmation of the deletion within 30 days. \nA detailed explanation of the procedures followed that led to the reinsertion. \nProof that XXXX provided certification of the accounts accuracy prior to reinsertion, as mandated by law. \nAssurance that no further violations of my consumer and UCC rights will occur.\n\nFailure to comply with these demands will leave me no choice but to escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action to enforce my rights.\n\nConclusion TransUnion has acted unlawfully by re-adding the XXXX charge-off account to my credit report. This is a clear violation of FCRA provisions and my secured party rights under UCC laws. I expect swift corrective action to rectify this matter immediately.\n\nI anticipate your prompt attention and response to this serious issue.\n\nCC : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX XXXX","date_sent_to_company":"2025-02-25T18:09:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11434","tags":null,"has_narrative":true,"complaint_id":"12113905","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-18T21:54:49.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Email : <em>XXXX</em> Date : XXXXXX/XX/<em>XXXX</em> To : TransUnion <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, PA <em>XXXX</em> Subject : Formal <em>Complaint</em> Violation of Consumer Laws and UCC Rights Regarding Re-Insertion of <em>XXXX</em> Charge-Off Account <em>Dear</em> TransUnion Dispute Department , I am <em>writing</em> to formally file a <em>complaint</em> regarding the results of your reinvestigation of my previous dispute concerning the <em>XXXX</em> charge-off account on my credit report."]},"sort":[10.450675,"12113905"]},{"_index":"complaint-public-v1","_id":"8639443","_score":10.143355,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Complaint Regarding Credit Report Inconsistencies and Lack of Resolution from Equifax Dear XXXX, I hope this letter finds you well. I am writing to bring to your attention a distressing matter I have been grappling with since XX/XX/2024, concerning discrepancies within my credit reports obtained from XXXX. Despite repeated attempts to rectify these inconsistencies through XXXX 's purported assistance channels, the issue remains unresolved, leading me to seek your intervention in this matter. \n\nOn XX/XX/XXXX, I diligently accessed XXXX 's online credit report service to review my credit history. To my dismay, I discovered significant disparities between the report obtained from XXXX and that of Equifax. Consequently, I initiated several requests for assistance from Equifax and XXXX, Case # XXXX, Escalation Issue XXXX, and Case # XXXX, Case # XXXX, Case # XXXX, Case # XXXX, Case # XXXX, Case # XXXX but regrettably, despite my earnest efforts and numerous follow-ups, Equifax has failed to provide any not only meaningful updates or resolution to date that has been dismal at best indicating that its on the XXXX party that is having issue. \n\nCompounding this ordeal, in order to access updated credit reports without incurring hard inquiries, I was compelled to engage the services of multiple third-party entities, incurring personal expenses. Alarmingly, all reports procured from these entities corroborate the inaccuracies present in the XXXX report. Despite assurances from Equifax, XXXX, XXXX of profile refreshes, the persistence of erroneous information, such as falsely reported account being late, number of account open and addresses, persists unabated. \n\nAs an XXXX XXXX, I am well-versed in discerning technical intricacies. Contrary to Equifax 's assertions, it is evident that the root cause of these discrepancies lies within their systems, as corroborated by consistent inaccuracies across multiple reports obtained from reputable sources, including XXXX, XXXX, XXXX and XXXX ; which I have again paid to get the details as it is my only source to checking to see if the information is correct. \n\nWhile speaking with XXXX of the XXXX has also determined that other consumers where experiencing similar issues with Equifax and the information can on only come from them and no other place yet they repeatedly say that its other companies issue. And the stake is extremely high given all the inconsistencies. I even provided compelling thought process that could be very easily considered clear thought process to digest without going outside the narrative!! \n\nFurthermore, my interactions with Equifaxs support personnel have been deeply disheartening. Instead of earnestly addressing the issue, I have been met with dismissive responses and baseless attributions of fault to unspecified third-party vendors. \n\nSuch conduct not only exacerbates my frustration but also undermines the integrity of Equifax 's purported commitment to consumer advocacy and support. \nEnclosed with this correspondence are comprehensive documentation substantiating the aforementioned discrepancies, submitted to Equifax and now these updated details showing the error. I implore the Consumer Financial Protection Bureau to intervene expeditiously and facilitate a thorough investigation into this matter. \n\nThe undue hardship and mental anguish I have endured, coupled with the lack of accountability demonstrated by Equifax, necessitate a prompt and equitable resolution.","date_sent_to_company":"2024-03-27T23:50:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75039","tags":null,"has_narrative":true,"complaint_id":"8639443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-27T22:48:16.000Z","state":"TX","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em>, Iowa <em>XXXX</em> Subject : Formal <em>Complaint</em> Regarding Credit Report Inconsistencies and Lack of Resolution from Equifax <em>Dear</em> <em>XXXX</em>, I hope this letter finds you well. I am <em>writing</em> to bring to your attention a distressing matter I have been grappling with since <em>XX/XX</em>/2024, concerning discrepancies within my credit reports obtained from <em>XXXX</em>."]},"sort":[10.143355,"8639443"]},{"_index":"complaint-public-v1","_id":"12873534","_score":9.294353,"_source":{"product":"Credit card","complaint_what_happened":"Dear CFPB, I am writing to formally lodge a serious complaint against American Express ( Amex ) for what I believe amounts to deceptive business practices, financial negligence, and potential violation of consumer protection laws that have caused me significant financial loss, emotional distress, and continued trauma. \n\nOn XX/XX/year>, I contacted Amex to place a hard block on my card due to concerns around unauthorized or recurring charges. I was explicitly told by their representative : I can help you with a hard block which will cancel all the recurring subscriptions on your card after replacing your current card so that the card number will change. After that, I'll help you with the recent charge dispute. Shall I? \n\nI consented, and Amex subsequently confirmed : By adding this block on your previous card, we will begin declining all transactions on that card number effective immediately. Shall I proceed? \n\nHard block is successfully applied on all previous cards. \n\nDespite these assurances, I never activated the replacement card, and yet, I began noticing transactions being posted against itincluding recurring charges that Amex assured me would be blocked. When I contacted Amex again to report this breach, I was met with a series of conflicting and evasive responses, including : \" To stop the recurring charges, you can contact the merchant directly. '' \" Your card was enrolled to send upgrades to merchant and hence it was possible to claim charges for recurring merchants on your existing or new card. '' \" Pre-authorized charges can go through on a replaced card even if you haven't activated it. '' \" All XXXX charges are showing as Keyed transactions. '' \" Sometimes, charges get approved even without card activation for urgent transactions like groceries or cabs to avoid inconvenience. '' None of this was disclosed at the time I was told a hard block would effectively cancel \" ALL '' transactions on previous cards. The term \" hard block '' was used as a guarantee to stop all transactions and subscriptions. I relied on this representation and did not take further action, which resulted in continued unauthorized charges and financial damage. \n\nKey issues : 1. I never activated the new card.\n\n2. I was assured recurring charges would stop after a hard block. 3. Transactions still occurred, including keyed charges, which imply manual entry I never performed.\n\n4. Amex failed to honor its own processes, giving multiple contradictory justifications post-facto.\n\n5. Their behavior shows a complete disregard for consumer trust, financial integrity, and emotional well-being.\n\nThe continuous change in narrative and refusal to take accountability not only led to monetary losses but also left me in a state of persistent anxiety and helplessness. I trusted Amexs word and their assurances, and instead, I was met with misleading half-truths, operational failures, and a lack of consumer protection. \n\nI respectfully urge your office to investigate this matter. If this has happened to me, it is likely affecting many other unsuspecting consumers who are being misled by false promises of security and card protection. This needs regulatory scrutiny and intervention to prevent further exploitation. \n\nI am happy to provide all supporting documentation including chat transcripts, account statements, and communication records with Amex. \n\nThank you for your time and attention to this deeply distressing matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-08T06:45:52.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"02116","tags":null,"has_narrative":true,"complaint_id":"12873534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-04-08T06:34:22.000Z","state":"MA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Sincerely, <em>XXXX</em> <em>XXXX</em>"]},"sort":[9.294353,"12873534"]},{"_index":"complaint-public-v1","_id":"15263865","_score":9.105441,"_source":{"product":"Student loan","complaint_what_happened":"The relevant population is XXXX students who first enrolled between XX/XX/XXXX and XX/XX/XXXX and who owe debt directly to the University. Other debt, including, but not limited to, federal student loans are not affected by the settlement agreement. If you have questions about any existing student loan debts you may have, please contact your loan servicer for more information. If you need assistance with student loans please use this website XXXX XXXX XXXX XXXX  or call XXXX Your enrollment date is XXXX, and you do not have a balance due to the University, therefore your account is not part of the FTC settlement. \n\n\n\nIf you have additional questions, please refer to our microsite at XXXX or XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not true as I was in school during the time alloted - See below XXXX XXXX XXXX XXXX XXXXXXXX, XXXX to me Dear XXXX XXXX, XXXX XXXX for contacting XXXX. Our CEO, XXXX XXXX, has requested that a member of the Ombudsman Team contact you directly for additional information and follow-up. Our main focus is to address any underlying concerns and ensure our customers always have the right information. Your account has been assigned, and we will contact you in writing within XXXX business days. We also will keep XXXX XXXX apprised of the resolution. \n\n\n\nSincerely, XXXX XXXX. \n\n\n\nXXXX Ombudsman XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone XXXX | Fax XXXX XXXXXXXX XXXX mohela.com Dear XXXX XXXX, I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request your review and assistance regarding my federal student loans currently serviced by XXXX. This request pertains to a XXXX XXXX to XXXX  application, which has not been updated since XX/XX/XXXX, as well as XXXX XXXX XXXX XXXX ( XXXX  ) payment discrepancies. \nI have faithfully served in the field of education for over XXXX years, dedicating my career to teaching and supporting students. Despite this, my XXXX account only reflects XXXX qualifying payments, which I believe significantly underrepresents my actual service time. I respectfully request a full audit and correction of my XXXX  payment count. \nIn addition, I am asking for the removal of these student loans from my credit report and for the balance to be zeroed out based on the pending XXXX XXXX application and my ongoing service as an educator. This request is made not only on the grounds of fairness and eligibility, but also out of urgent personal need. \nMy partner and I are expecting a child soon, and we are currently working toward purchasing our first home. These student loan issues are creating major barriers in our lives during what should be a joyful and exciting chapter. As a committed educator and public servant, I am simply asking for a chance to live a stable, decent life while continuing to serve our children and communities. \nAll supporting documents have been attached for your review. I kindly and respectfully ask for your support in helping bring a resolution to this matter. \nName : XXXX XXXX Last XXXX of XXXX : XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Thank you very much for your time, compassion, and consideration. I would be grateful for any assistance you can provide. \nSincerely, XXXX XXXX XXXX sent directly to them as it's been XXXX  months and XXXX  years exactly on XX/XX/XXXX which I sent in my borrowers defense claim with no response. \n\nSubject : Request for Student Loan Discharge and Credit Report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Attachments XXXX XXXX, XXXX, XXXX to info, XXXX Dear XXXX XXXX XXXX I hope you're doing well. My name is XXXX XXXX, and XXXX writing to request your help regarding my federal student loans with XXXX. \n\nI submitted a XXXX XXXX application that has not been updated since XX/XX/XXXX. In addition, my XXXX XXXX XXXX XXXX ( XXXX ) record only reflects XXXX payments, though Ive been an educator for over XXXX  years and believe this number should be significantly higher. \n\nI respectfully ask that my loans be removed from my credit report and that my account be zeroed out based on these concerns. My partner and I are expecting a child and trying to buy our first home, and resolving this would make a huge difference in our lives. \n\nPlease find attached the necessary documents for your review. I deeply appreciate your time and consideration. \n\nBest regards, XXXX XXXX Last XXXX of XXXX : XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX In addition, the XXXX credit bureaus have my name as XXXX XXXX which my name has never been that, I receive mail and phone calls based on this inaccurate name change that has occurred for year. Another letter I'll be sending out today. \n\nCategory : Credit reporting, credit repair services, or other personal consumer reports Credit reporting Incorrect information on your report Complaint Narrative : I am filing this complaint because my credit report contains inaccurate and unverified information that has not been corrected despite multiple disputes over the past XXXX years. \n\nIncorrect Personal Information : My name is being reported as XXXX XXXX. This is not my name. I have received calls and mail from other agencies attempting to reach XXXX XXXX, which clearly indicates a case of mistaken identity. \n\nIncorrect XXXX XXXX XXXX : My student loan account is showing as delinquent. This is incorrect because I have the required payment count for the loan to be current. Despite providing this information previously, the error has not been corrected. \n\nFailure to Properly Investigate : Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), the credit bureau and/or furnisher is required to conduct a reasonable investigation of disputed information. They have failed to do so. \n\nLack of Proper Verification : I requested verification of the account, including the original purchase agreement, but have not been provided with valid documentation. \n\nI am requesting : Immediate deletion of the inaccurate account ( XXXX ) from my credit file A copy of the original purchase agreement and documentation used to verify the account Statutory damages of {$1000.00} for violations of the FCRA and FDCPA The ongoing reporting of false information is causing me financial harm, including difficulty obtaining credit and housing. \n\nYour federal loan account numbers are listed below : Loan Type Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-08-13T17:27:33.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"35215","tags":null,"has_narrative":true,"complaint_id":"15263865","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-08-13T16:23:21.000Z","state":"AL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Category : Credit reporting, credit repair services, or other personal consumer reports Credit reporting Incorrect information on your report <em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> because my credit report contains inaccurate and unverified information that has not been corrected despite multiple disputes over the past <em>XXXX</em> years. \n\nIncorrect Personal Information : My name is being reported as <em>XXXX</em> <em>XXXX</em>. This is not my name."]},"sort":[9.105441,"15263865"]},{"_index":"complaint-public-v1","_id":"7298805","_score":8.972864,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ), 15 U.S.C. 6801 Request for Removal Dear Sir/Madam, I am writing to dispute the unauthorized inclusion of certain items on my credit report, which I believe infringes upon my rights as outlined under the United States Code , specifically 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ). I kindly request that you conduct an immediate investigation into these matters and take the necessary actions to rectify them. Firstly, according to 15 U.S.C. 1681 ( b ), credit reporting agencies are not permitted to include any information on an individual 's credit report without obtaining their written consent. To the best of my knowledge, I have not provided written consent for the items in question to be included on my credit report. Hence, their inclusion violates this provision. Furthermore, 15 U.S.C. 1681 ( c ) ( 1 ) states that the unauthorized placement of items on a credit report without written consent constitutes identity theft. I assert that these unauthorized entries are a result of identity theft since I have not granted permission for their inclusion on my credit report. Additionally, in accordance with 15 U.S.C. 1681 ( c ) ( 2 ), if a consumer notifies a credit reporting agency of inaccurate or incomplete information, the agency must promptly investigate and remove the information as necessary. Therefore, I request that you conduct an immediate investigation into the unauthorized items on my credit report and take prompt action to remove them, as they lack my written consent and inaccurately reflect my credit history. Furthermore, it is worth noting that under the provisions of 15 U.S.C. 6801, credit reporting agencies are required to safeguard consumer information to prevent unauthorized access and use. Failure to meet these safeguards may result in violations of consumer privacy and security rights. I expect you to adhere to these safeguarding requirements and ensure the removal of the unauthorized items from my credit report. According to the provisions outlined in the USC code, specifically Under 15 U.S. Code 1681 The definition of \" INVESTIGATE '' : ( e ) 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. I have the right to dispute inaccurate information on my credit report. I exercised this right and submitted a formal dispute to the\nBureau 's onXX/XX/. The inaccuracies pertain to Collection entry on my credit report that I have never authorized or entered into any contractual agreement with. Cease all collection activities until investigation completion. 15 U.S. Code 1681s 2, 1681a ( 3 ). \n. \n\nDespite providing all necessary documentation and evidence to support my dispute, the Bureau has failed to initiate a thorough investigation into the matter. As per the U.S.C. code definition, it is the responsibility of the credit bureau to conduct a reasonable investigation upon receiving notice of a dispute.\n\nI am deeply concerned about this violation of the law and the potential negative impact on my creditworthiness. The failure to investigate my dispute not only undermines my rights as a consumer but also compromises the accuracy and integrity of the credit reporting system as a whole.\n\nI kindly request your intervention and assistance in addressing this matter. I believe it is imperative for the Bureau 's to adhere to the regulations set forth in the U.S.C. code and fulfill its obligation to investigate and correct inaccuracies on my credit report.\n\nI respectfully ask that you investigate this matter further, ensure compliance with the applicable U.S.C. code, and take appropriate actions against the Bureau 's for their non-compliance. Additionally, I kindly request that you keep me informed of any progress or developments regarding my complaint.\n\nI kindly request that you provide written documentation of the investigation results, as well as the removal or modification of the unauthorized items, within 14 business days.\n\nPlease consider this letter as my formal request for an investigation and resolution of the unauthorized credit reporting entries on my credit report. I trust that you will fulfill your obligations under the law and promptly address this matter.\n\nLastly, I kindly request that you initiate a comprehensive investigation into these disputed items as outlined in my dispute. Please ensure that the investigation is conducted in accordance with the relevant sections of the FCRA, including but not limited to : 15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate/Invalidated Credit Information 15 U.S. Code 1681e ( b ) - Compliance Procedures for Maximum Possible Accuracy 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies under FCRA 15 U.S. Code 1692e - False or Misleading Representations under FDCPA 15 U.S. Code 1681a ( 3 ) - Restriction on Sharing of Medical Information 15 US Code 1681b ( 4 ) - Limitation on Redisclosure of Medical Information 15 U.S. Code 1681a ( 2 ) ( B ) - Exclusions from a Consumer Report 15 U.S. Code 1666 ( b ) - Billing Error under TILA 15 U.S. Code 1605 - Determination of Finance Charge During the investigation period, I kindly ask that you place these disputed items in dispute and refrain from reporting them to any third parties. I also request that you contact the relevant data furnishers and inform them of these disputes, instructing them to cease reporting the disputed items until the completion of your investigation and the resolution of these matters. \n\nBelow you will find all the items that are inaccurate : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX GA XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\n11. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. \n\n12. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. \n\n13. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n14. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n15. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n16. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\n17. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX 19. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. \n\nI reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. \n\nI realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your \" form letter '' thus giving you only 15 days not 30 more. \n\nI am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-07-24T16:28:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30096","tags":null,"has_narrative":true,"complaint_id":"7298805","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-24T16:21:47.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ), 15 U.S.C. 6801 Request for Removal <em>Dear</em> Sir/Madam, I am <em>writing</em> to dispute the unauthorized inclusion of certain items on my credit report, which I believe infringes upon my rights as outlined under the United States Code , specifically 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 )."]},"sort":[8.972864,"7298805"]},{"_index":"complaint-public-v1","_id":"6357327","_score":8.940569,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To : XXXX XXXXXXXX XXXX TD Bank, XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/2022 RE : TD Bankss Response to CFPB Complaint # XXXX Dear XXXX XXXX XXXX Thank you for your response dated XX/XX/2022 to my CFPB Complaint # XXXX. Unfortunately, much of the information provided to you for your response was either incomplete or incorrect. \n\nAs you suggested, I am contacting you now to request a response to the following facts and questions outlined below. I have highlighted questionable banking processes. \n\nFollowing are quotes from your response letter, identified as TD Bank, followed by the facts : TD Bank : In your complaint you allege on XX/XX/2022, you processed an international wire transfer and learned later that day it was a scam. \n\nFACT : I completed an international wire transfer request and learned two hours later it was a scam. Processing that request by TD Bank was the first questionable banking process. The wire transfer form I signed stated if funds were not in the account the transfer would be cancelled. I told the bank attendant funds in my checking account for the wire were from XXXX XXXX I left TD bank with the understanding my request would be reviewed/approved by the branch manager that afternoon. When TD Bank processed the request the balance in my checking account was approximately XXXX, far short of the XXXX  required for the wire transfer. Instead of adhering to TDs policy of cancelling the transfer XXXX was pulled from my savings account and deposited to my checking account and subsequently sent to XXXX XXXX. Given the circumstances ( i.e., knowing the XXXX} was coming from XXXX XXXX  ), the common practice of pulling funds from one account ( savings ) to cover shortfalls in another account ( checking ), as explained by the bank manager, is unacceptable. \n\nThe second questionable banking process ( or lack of ) is identifying the various stopping points of the funds enroute to the final destination and how those points are determined. When I signed the transfer request I was told it would take three to five days for the funds to be sent to the international bank, giving TD Bank time to check if there were any problems with the transfer. In subsequent correspondence ( letter from TD bank ) I was told the funds were sent to XXXX XXXXXXXX XXXX  and in another correspondence ( TD Banks response to my CFPB complaint ), funds are sent immediately upon request to the receiving bank. \n\nTD Bank : You went to the store and filed a claim and Request to Return Funds due to fraud was completed. \n\nFACT : This is the beginning of the incorrect and incomplete information you received in writing your response. I did not go to the store. I did not file a claim and Request to Return Funds. I called the Branch manager who said she would file a claim with the Fraud Division. She said nothing else could be done. She then forwarded me to the Fraud Division whose staff were helpful in closing my accounts and submitting a request for new accounts. A questionable banking process, or rather lack of a process, leads me to believe the Branch manager does not have a procedure for reporting fraud. In this case, she initially reported the fraud to one ( Fraud Division ) of the two divisions responsible for addressing the fraud and told me nothing else could be done. It wasnt until I talked with my contact at the XXXX and XXXX XXXX XXXX and learned the Branch manager had not filed the request. I called the Branch Manager and she agreed to send a Request to Return Funds due to fraud to the International and XXXX XXXX XXXX and did so within an hour, just before bank closure at XXXX on XX/XX/2022. \n\nTD Bank : XXXX was opened, and the investigation resulted in your being informed that the funds were withdrawn from the international bank and there are no funds remaining. You do not agree with this and feel it was a failed investigation, and you request that we review it again. \n\nFACT : My claim of a failed investigation, more accurately stated as no investigation, was not based on being told the funds were withdrawn from the international bank and there are no funds remaining. That was obvious. It was based on my correspondence with TD Bank employees between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. Most of the information I received during my correspondence with TD Bank XXXX was false, leading me to believe someone was attempting to cover-up the facts in this case. The alleged cover-up became obvious to me during my correspondence with a TD Bank employee when I called XXXX on XX/XX/2022, with questions about a letter I received stating the funds had been sent to XXXX XXXX XXXX  ( Receiver Bank ) . I asked the status of the funds. After a lengthy time on hold, the TD Bank employee returned to tell me the funds were with the Federal Reserve, the agency that works with TD Bank and the International bank to resolve the problem. The Narrative from XXXXXXXX XXXX XXXX informing TD Bank on XX/XX/2022 the funds were transferred on XXXXXXXX XXXX XXXX  to the International Bank in XXXX proved the information I received from TD Bank employees between XX/XX/2022 and XX/XX/2022 was false. A questionable banking process is the lack of accountability for information provided to customers and the apparent failure to document said information, leading in this case to an apparent cover-up. \n\nThe Narrative from XXXX XXXX XXXX informing TD Bank on XX/XX/2022 the funds were transferred on XX/XX/2022 to the XXXX XXXX  in XXXX is a questionable banking process given the international Bank does not participate in any attempt to stop fraud given their procedure is to contact the recipient ( an accomplice to the scam ) to request return of the funds and their instruction to TD Bank is to contact the recipient directly for any request to return funds in the future. Does XXXX XXXX XXXX  in XXXX operate under the same policy? Are there no standards for banks operating in XXXX? \n\nThe Narrative confirms my belief TD Bank and XXXX XXXX XXXX  were, at the very least, negligent in preventing fraud. There is more to this case that warrants further investigation. \n\nTD Bank : We have reviewed your concerns and confirmed the investigation was handled correctly and did not fail. On XX/XX/2022 XXXX. XXXX XXXX contacted you and advised you that this was investigated and a wire recall was initiated, however we received the response that no funds remained via indemnified recovery. \n\nFACT : XXXX. XXXX XXXX XXXX ( not XXXX ), TD Bank XXXX XXXX XXXX XXXX, called me from his NY home office on XX/XX/2022. He was not aware of the investigation by the International and XXXX XXXX XXXX ( i.e., the investigation I referred to throughout my correspondence with individuals and agencies, documenting the details of what was portrayed as an investigation ). He was calling in response to the report filed by the Fraud Division. After a brief discussion he concluded the investigation was handled correctly. He agreed to review the letter I sent to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022, and then discussing the case with me. I emailed the letter to him and followed up several days letter. Although he did not respond to me, I see he is the only person quoted although he had no knowledge of the investigation of the case by the International and XXXX XXXX XXXX when he called me on XX/XX/2022. \n\nTD BANK : Our wire team has done everything possible to try to recover the funds. The beneficiarys bank stated the funds have already been withdrawn. TD Bank investigated the process to recall the wire and learned there were no delays or errors. Please note that recall attempts are never guaranteed but we make every effort to recover funds when possible. International wires are sent immediately upon request, and we do apologize that you were given incorrect information regarding the timing. We recommend that you contact the federal and local authorities in the foreign city where you sent the money. \n\nFACT : The incorrect information I received was far reaching, beyond the timing, and was suspicious. The above TD Bank statement is a summary of the incomplete and incorrect information provided throughout TD Banks response to my CFPB complaint. Please refer to the previous listed FACTS for the correct information. \n\nFollowing are my questions with responses from TD BANK in bold followed by the FACTS : 1. Where did the funds go immediately after withdrawal from my checking account? The wire was sent out immediately to the Beneficiary as you instructed. \n\nFACT : I did not instruct TD Bank to send the funds to the Beneficiary immediately. When I signed the transfer request I was told there is a holding period of between three and five days before the funds would be sent to the beneficiary. \n\n2. What specifically did the investigator do in conducting the investigation of my case? The case was created XX/XX/2022, the investigator received the case on XX/XX/2022 and sent an email out to the store to submit a Fraud intake form and sent out a recall for the Wire Via our XXXX XXXX Please keep in mind that XX/XX/XXXX was the holiday weekend. TD Bank may have been closed but other countries were not. \n\nFACT : TD Bank was not closed on XX/XX/2022. The holiday weekend was XXXX XXXX XXXX I received a call from TD Bank on XX/XX/2022 stating the investigator requested detailed information about the scam. I provided the information. Your response to my question asking what the investigator did in conducting the investigation indicates the only action by the investigator was sending an email to the store and a recall for the Wire via your correspondent Bank. Was the recall sent to XXXX XXXX XXXX or to XXXX  Wire Transfer Investigators or to another agency? \n\n3. What role does XXXX XXXX have in TD Banks International Wire Transfers? XXXX XXXX is our correspondent bank. Every bank has a correspondent bank while sending an international wire. \n\nFACT : I know XXXX XXXX Bank is TD Banks correspondent bank and that XXXX XXXX has a bank in XXXX. My question is what role does XXXX XXXX Bank have in TD Banks International Wire Transfers? I was informed by TD Bank, via a letter, my funds were sent from TD Bank to XXXX XXXX Bank. What was the location of the XXXX XXXX Bank? Did XXXX XXXX Bank send the funds to their bank In XXXX and then to the receiver bank? If so, did they decide when the funds were sent to the receiver bank? \n\n4. What role if any does the Federal Reserve have in TD Banks International Wire Transfers? The wire process via the XXXX XXXXXXXX system or via XXXX XXXX system. The Federal reserve has nothing to do with a wire. \n\nFACT : As previously noted, I called XXXX on XX/XX/2022 with questions about a letter I received stating the funds had been sent to XXXX XXXX XXXX  XXXX referred to as the Receiver Bank ). I asked the status of the funds. After a lengthy time on hold, the TD Bank employee returned to tell me the funds were with the Federal Reserve, the agency that works with TD Bank and the International bank to resolve the problem. Based on this and previous contacts with TD employees I suspect there was a cover-up. \n\n5. Who are the parties in the attached NARRATIVE, namely the XXXX, We and Your? TD Bank is the bank who initiated the wire, and our correspondent bank is XXXX XXXX. \n\nFACT : I know TD Bank is the bank who initiated the wire and XXXX XXXX Bank is the correspondent bank. Who is ATTN? ATTN wrote the Narrative received by TD Bank on XX/XX/2022 and are identified as ATTN wire transfer investigations. ATTN acknowledged receipt of your cancellation request dated XX/XX/2022 concerning your payment for USD XXXX dated XX/XX/2022. Who is your? Who paid? Who sent the cancellation request? TD Bank or XXXX XXXX XXXX? The funds were paid XX/XX/2022 confirming the false information I received by TD employees throughout what I was led to believe was an investigation of the case. \n\n6. When and by whom were the funds sent to and received by the XXXX XXXX XXXX? The funds were received by the Beneficiary that the wire was sent to, we received an incoming Swift message on XX/XX/2022 that the funds have been withdrawn and there were no funds in the account therefore the correspondent bank closed their case, in turn we must close our case. \n\nFACT : You did not answer the question. I see from the Narrative sent by ATTN  Wire Transfer Investigations the funds were received by the XXXX XXXX XXXX  the same day I initiated the request for the wire transfer. If the funds were sent from TD Bank to XXXX XXXX XXXX, as I was told, did XXXX XXXX XXXX  send the funds? If not, who did? \n\n\n7. What is the procedure for processing reimbursement of funds by TD Bank for my loss resulting from a misleading and failed investigation of my case # XXXX? When the store files a fraud intake form, the Fraud team will contact the customer on the issue, as mentioned above this occurred on XX/XX/2022. \n\nFACT : You did not answer the question. XXXX. XXXX XXXX XXXX contacted me on XX/XX/2022. He was not aware of the investigation Ive referred to throughout this document. \n\nI hereby request TD Bank reimburse me for the stolen money and instruct me as to the procedure for doing so. \n\nFinal Comment My final comment refers to the certified letter I sent to XXXX XXXX, Vice President/Regional Marketing Manager, XXXX XXXX XXXX XX/XX/2022, describing the scam in detail. \n\nI was told by the XXXX TD Bank Branch staff that I would have to give them the letter to deliver to XXXX XXXX and later they told they would give him my telephone number and ask that he call me. \n\nI found XXXX XXXX address and sent the certified letter to him on XXXX XXXX. I sent a copy of the letter to the Branch manager at the TD Bank in XXXX, MD. \n\nAlthough I received confirmation via a U.S. Postal Service phone message ( XXXX with my tracking number ) my letter was delivered on XX/XX/2022, at XXXX XXXX, I did not receive the return receipt. \n\nWhen I didnt hear from XXXX XXXX I called the U.S . Postal Service on XX/XX/2022 with my Return Receipt Tracking Number. \n\nXXXX XXXX, the XXXX MD XXXX XXXX XXXX called me soon after to confirm XXXX XXXX mailing address. I confirmed and XXXX XXXX informed me the letter I sent was signed in the parking lot of the recipients address. \n\nOn XX/XX/2022, XXXX XXXX sent an email to me informing me my service request had been resolved ; they were unable to locate the letter and therefore it was not delivered as addressed. \n\nI did not agree my service request was resolved. An USPS Employee delivered the letter. I wanted to know the details of the delivery and asked for the USPS manager responsible for providing the information. I did not hear from XXXX XXXX. \n\nMy experience with the letter to XXXX XXXX and all the facts I provided in this document led me to conclude I needed to consult with a higher authority. I reached out to the Federal Reserve Bank and was informed the Consumer Financial Protection Bureau ( CFPB ) was the government agency responsible for addressing my complaint. I sent my complaint to the CFPB and they forwarded it to TD Bank. TD Bank responded. This document is my response to TD Bank.","date_sent_to_company":"2022-12-23T18:12:05.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"21701","tags":"Older American","has_narrative":true,"complaint_id":"6357327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2022-12-23T17:56:17.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["To : <em>XXXX</em> XXXXXXXX <em>XXXX</em> TD Bank, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Date : <em>XX/XX</em>/2022 RE : TD Bankss Response to CFPB <em>Complaint</em> # <em>XXXX</em> <em>Dear</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Thank you for your response dated <em>XX/XX</em>/2022 to my CFPB <em>Complaint</em> # <em>XXXX</em>. Unfortunately, much of the information provided to you for your response was either incomplete or incorrect. \n\nAs you suggested, I am contacting you now to request a response to the following facts and questions outlined below."]},"sort":[8.940569,"6357327"]},{"_index":"complaint-public-v1","_id":"16082334","_score":8.813383,"_source":{"product":"Debt collection","complaint_what_happened":"Credit Bureau Dispute Letter Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA 611 Dear CFPB To Whom It May Concern, I am writing to dispute inaccurate and contradictory information being reported on my credit file regarding my auto loan with XXXX XXXX XXXX. XXXX has furnished conflicting and materially false information. In their XX/XX/XXXX letter to the Consumer Financial Protection Bureau, XXXX claimed that my vehicle was repossessed, sold at auction on XX/XX/XXXX, and the account was charged off. However, my credit reports as of XX/XX/XXXX, show the very same account as open and active with a reported balance of {$3500.00}, XXXX payments made totaling {$14000.00}, and 79 % of the loan repaid. The report even reflects a last payment on XX/XX/XXXX. \n\nThese two versions can not both be true. Either the vehicle was repossessed and sold in XXXX ( meaning the account should be closed and settled ), or the account remains open and active with ongoing payments ( in which case, no repossession should be reported ). Reporting both simultaneously constitutes inaccurate and unverifiable credit reporting under the Fair Credit Reporting Act. \n\nEnclosed are exhibits : ( XXXX ) XXXX CFPB response claiming repossession and charge-off, and ( XXXX ) my current credit report screenshots showing open status, ongoing payments, and a balance. These documents demonstrate that XXXX is furnishing materially false information that is damaging my creditworthiness. \n\nShows the account is open with a balance of {$3500.00}. \nReports 50 payments made totaling {$14000.00}, showing 79 % of the loan paid off. \nLists the account as In Repossession even though it is still open and active. \nPayment history is marked as derogatory for nearly every month after XXXX. \nXXXX. XXXX CFPB Response ( XX/XX/XXXX ) : Claims the vehicle was recovered and sold at auction on XX/XX/XXXX. \nStates proceeds were applied to the loan balance and a deficiency balance was reported. \nConfirms they consider their tradeline accurate and lawful. \n\nThis is a Strong Case for Deletion and It is a Direct Contradiction : XXXX XXXX  cant claim the car was sold in XXXX while also reporting the loan as open, active, with payments continuing into XX/XX/XXXX. \n\nFalse Repossession Status : Even their own reporting shows payments after the alleged repossession. This proves their repo claim and dates is factually inaccurate. \n\nFCRA 623 Violation : Furnishers must report accurate information. Here, they are furnishing two different versions of your account.\n\nFDCPA 807 Violation : Misrepresenting the character or legal status of a debt by claiming repossession when none occurred. \n\nUnder FCRA 611, I demand immediate investigation and permanent deletion of the repossession and charge-off notations, along with any false dates, from my credit file. If the furnisher can not fully verify consistent, accurate information, you are required by law to delete these items within thirty ( 30 ) days. \n\nAttached : ( a ) their CFPB letter claiming repo/charge-off, and ( b ) your XXXX reports showing open status and payments. \n\nI AM Demanding removal of all repossession/charge-off notations as unverifiable and inaccurate. \n\n\n1.Citing FCRA 611 ( they must delete unverifiable or inconsistent info within 30 days ). \n\nXXXX. This is a Direct Furnisher Dispute to XXXX XXXX. \n\nI AM Demanding deletion of ALL false repossession remarks. For every month and year after repossession sale of car I AM also Citing their own contradiction and false illegal baseless narrative remarks as evidence of willful reporting violations. \n\nXXXX. Filing this CFPB Complaint ( second round ) : attached the repo notation in your credit report alongside their letter. \n\nAs it Clearly states : XXXX XXXX reported repossession in XXXX, but their trade line shows ongoing payments in XXXX. Both can not be true this is false illegal reporting. \n\nSincerely, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX NY XXXX ] SSN last XXXX digits : XXXX XXXX for XXXX : XX/XX/XXXX","date_sent_to_company":"2025-09-22T06:33:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"10013","tags":null,"has_narrative":true,"complaint_id":"16082334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Carvana Group, LLC","date_received":"2025-09-22T06:33:18.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Credit Bureau Dispute Letter Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA 611 <em>Dear</em> CFPB To Whom It May Concern, I am <em>writing</em> to dispute inaccurate and contradictory information being reported on my credit file regarding my auto loan with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> has furnished conflicting and materially false information."]},"sort":[8.813383,"16082334"]},{"_index":"complaint-public-v1","_id":"16081238","_score":8.790964,"_source":{"product":"Debt collection","complaint_what_happened":"Credit Bureau Dispute Letter Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA 611 Dear CFPB To Whom It May Concern, I am writing to dispute inaccurate and contradictory information being reported on my credit file regarding my auto loan with Bridgecrest Acceptance Corporation. Bridgecrest has furnished conflicting and materially false information. In their XX/XX/XXXX letter to the Consumer Financial Protection Bureau, Bridgecrest claimed that my vehicle was repossessed, sold at auction on XX/XX/XXXX, and the account was charged off. However, my credit reports as of XX/XX/XXXX, show the very same account as open and active with a reported balance of {$3500.00}, fifty payments made totaling {$14000.00}, and 79 % of the loan repaid. The report even reflects a last payment on XX/XX/XXXX. \n\nThese two versions can not both be true. Either the vehicle was repossessed and sold in XXXX ( meaning the account should be closed and settled ), or the account remains open and active with ongoing payments ( in which case, no repossession should be reported ). Reporting both simultaneously constitutes inaccurate and unverifiable credit reporting under the Fair Credit Reporting Act. \n\nEnclosed are exhibits : ( XXXX ) Bridgecrests CFPB response claiming repossession and charge-off, and ( XXXX ) my current credit report screenshots showing open status, ongoing payments, and a balance. These documents demonstrate that Bridgecrest is furnishing materially false information that is damaging my creditworthiness. \n\nShows the account is open with a balance of {$3500.00}. \nReports 50 payments made totaling {$14000.00}, showing 79 % of the loan paid off. \nLists the account as In Repossession even though it is still open and active. \nPayment history is marked as derogatory for nearly every month after XXXX. \nXXXX. Bridgecrests CFPB Response ( XX/XX/XXXX ) : Claims the vehicle was recovered and sold at auction on XX/XX/XXXX. \nStates proceeds were applied to the loan balance and a deficiency balance was reported. \nConfirms they consider their tradeline accurate and lawful. \n\nThis is a Strong Case for Deletion and It is a Direct Contradiction : Bridge Crest cant claim the car was sold in XXXX while also reporting the loan as open, active, with payments continuing into XX/XX/XXXX. \n\nFalse Repossession Status : Even their own reporting shows payments after the alleged repossession. This proves their repo claim and dates is factually inaccurate. \n\nFCRA 623 Violation : Furnishers must report accurate information. Here, they are furnishing two different versions of your account.\n\nFDCPA 807 Violation : Misrepresenting the character or legal status of a debt by claiming repossession when none occurred.\n\nUnder FCRA 611, I demand immediate investigation and permanent deletion of the repossession and charge-off notations, along with any false dates, from my credit file. If the furnisher can not fully verify consistent, accurate information, you are required by law to delete these items within thirty ( 30 ) days. \n\nAttached : ( a ) their CFPB letter claiming repo/charge-off, and ( b ) your XXXX reports showing open status and payments. \n\nI AM Demanding removal of all repossession/charge-off notations as unverifiable and inaccurate. \n\n\n1.Citing FCRA 611 ( they must delete unverifiable or inconsistent info within 30 days ).\n\n2. This is a Direct Furnisher Dispute to Bridge crest. \n\nI AM Demanding deletion of ALL false repossession remarks. For every month and year after repossession sale of car I AM also Citing their own contradiction and false illegal baseless narrative remarks as evidence of willful reporting violations. \n\nXXXX. Filing this CFPB Complaint ( second round ) : attached the repo notation in your credit report alongside their letter. \n\nAs it Clearly states : Bridge crest reported repossession in XXXX, but their trade line shows ongoing payments in XXXX. Both can not be true this is false illegal reporting. \n\nSincerely, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX ] SSN last XXXX digits : XXXX XXXX for XXXX : XX/XX/XXXX","date_sent_to_company":"2025-09-22T06:33:46.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"10013","tags":null,"has_narrative":true,"complaint_id":"16081238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2025-09-22T06:17:48.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Credit Bureau Dispute Letter Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA 611 <em>Dear</em> CFPB To Whom It May Concern, I am <em>writing</em> to dispute inaccurate and contradictory information being reported on my credit file regarding my auto loan with Bridgecrest Acceptance Corporation. Bridgecrest has furnished conflicting and materially false information."]},"sort":[8.790964,"16081238"]},{"_index":"complaint-public-v1","_id":"16384933","_score":8.687961,"_source":{"product":"Credit card","complaint_what_happened":"bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo:\\nConsumer Financial Protection Bureau\\nXXXX XXXX XXXX XXXX XXXX XXXXSubject: Urgent Rebuttal to Wells Fargo\\'s Deceptive and Factually Incorrect Final Response\\nCFPB Case Numbers: XXXX XXXX and all related cases.\\nWells Fargo Bilt Mastercard Account: XXXX XXXX XXXX XXXXn\\nDear Sir or Madam,\\n\\nI am writing in absolute dismay to formally and emphatically rebut the final response from Wells Fargo, dated XXXX XXXX XXXX. Their letter is not a good-faith investigation; it is an exercise in deception that relies on fabricated information to justify their systemic billing failures.\\n\\nWells Fargo\\'s entire defense rests on a single, provably false claim. They have invented new dates for my returned payments to create a misleading timeline. This is not a mistake; it is a deliberate attempt to mislead your office and avoid accountability. I have the bank records to prove it.\\n\\nThe Core Deception: Wells Fargo Has Fabricated Key Dates\\nThe central pillar of Wells Fargo\\'s argument is that my returned payments occurred after their billing statements were generated. To support this, they have invented dates out of thin air.\\n\\n1. The XXXX XXXX Payment Failure:\\n\\nWells Fargos Fabricated Claim: \"The payment processed on XXXX XXXX XXXX, for XXXX, was then returned on XXXX XXXX XXXX...\"\\n\\nThe Verifiable Truth: This is a lie. My enclosed Bank of America statement for March proves the payment was RETURNED on XXXX XXXX XXXX. This is four days before Wells Fargo\\'s statement was generated on March 18th. Their statement was inaccurate the moment it was printed.\\n\\n2. The XXXX XXXX Payment Failures:\\n\\nWells Fargos Fabricated Claim: \"The payment for XXXX was returned on XXXX XXXX XXXX..\" and the payment for XXXX was returned on XXXX XXXX XXXX\"\\n\\nThe Verifiable Truth: This is also false. My XXXX XXXX XXXX statement for XXXX proves these payments were RETURNED on XXXX XXXX and XXXX XXXX XXXX respectively. This is well before their statement was generated on XXXX XXXX.\\n\\nThis is the \"smoking gun.\" Wells Fargo\\'s entire argumentthat the statements were accurate at the time and that interest charges are validis built on a foundation of lies. They are not addressing a discrepancy; they are actively creating a false narrative.\\n\\nDismantling Wells Fargo\\'s Flawed Conclusions\\nBecause their premise is false, all of their conclusions are invalid.\\n\\nOn \"Accurate Statements\": A statement that reports a failed payment as successful is, by definition, materially inaccurate. Their refusal to issue corrected statements is a refusal to correct their own false records.\\n\\nOn \"Valid Interest\": The XXXX in interest (as of the XXXX XXXX statement) is a direct and sole consequence of being misled by these inaccurate statements. You cannot create a problem through a systemic reporting failure and then claim the financial penalties for your customer are legitimate.\\n\\nOn \"Correct Credit Reporting\": Wells Fargo is violating the FCRA by furnishing inaccurate data and then shirking their responsibility by telling me to \"contact the consumer reporting agencies directly.\" The failed Equifax investigation I submitted previously proves this is a dead end and that Wells Fargo is the source of the bad data.\\n\\nDemand for Regulatory Intervention\\nWells Fargo has not conducted a good-faith investigation. They have ignored clear evidence, invented false information in a formal response to a regulatory complaint, and continue to charge me interest based on their own errors. This demonstrates a stunning lack of internal controls and a culture of blaming the customer.\\n\\nThis is no longer just a billing dispute. It is a case of a major financial institution providing false information to both its customer and its regulator.\\n\\nI urge the CFPB to reject Wells Fargo\\'s findings and compel them to provide the only fair resolution:\\n\\nA full refund of all interest charges, which now exceed XXXX.\\n\\nThe issuance of corrected statements for all affected months (XXXX XXXX XXXX XXXX).\\n\\nA formal directive to all credit bureaus to correct my credit files and written confirmation to me that this has been done.\\n\\nAn explanation for why they knowingly provided false information in an official complaint response.\\n\\nI have been patient and diligent in providing evidence. Wells Fargo has responded with deception. I trust the Bureau will hold them accountable.\\n\\nSincerely,\\n\\nHenggao Cai\\n\\nEnclosures:\\n\\nCopy of Wells Fargo\\'s Response (dated XXXX XXXX XXXX)\\n\\nAll previously submitted Wells Fargo and XXXX XXXX XXXX statements proving the actual return dates.\\n\\nCopy of the failed Equifax investigation results.'","date_sent_to_company":"2025-10-06T22:01:25.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"16384933","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-06T20:11:05.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["b<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXTo:\\nConsumer Financial Protection Bureau\\n<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXSubject: Urgent Rebuttal to Wells Fargo\\'s Deceptive and Factually Incorrect Final Response\\nCFPB Case Numbers: <em>XXXX</em> <em>XXXX</em> and all related cases.\\nWells Fargo Bilt Mastercard Account: <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXn\\n<em>Dear</em> Sir or Madam,\\n\\nI am <em>writing</em> in absolute dismay to formally and emphatically rebut the final response from Wells Fargo, dated <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."]},"sort":[8.687961,"16384933"]},{"_index":"complaint-public-v1","_id":"13680299","_score":8.666422,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last four ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion/Experian Subject : Formal Dispute of XXXX XXXX XXXX Account Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ( Account Reference Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Dispute Under FCRA 1681e ( b ), 1681i, and 1681s-2 Dear TransUnion and Experian, I am writing to formally dispute the inaccurate and incomplete information being reported on my credit file concerning an account from XXXX XXXX XXXX, associated with the original creditor XXXX XXXX XXXX XXXX. This account is reported with multiple material inconsistencies between your respective bureaus, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and compromise the integrity of my consumer report. \n\nBelow are the specific issues I demand be investigated and resolved : 1. Inconsistent Account Opening Dates TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX This discrepancy in reported opening dates violates FCRA 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. Conflicting foundational data is clear evidence of unreliable furnishing. \n\n2. Omission of \" Number of Months ( Terms ) '' This field is left blank by both TransUnion and Experian. \nAs this is critical contractual information, its omission renders the account unverifiable and fails to meet the requirements of completeness and accuracy outlined in 1681i ( a ).\n\n3. Missing Credit Limit No credit limit is listed by either bureau.\n\nA credit or collection account missing this fundamental data is deficient in substance and does not allow for a fair interpretation of the account 's severity or impact. This omission further supports deletion under FCRA 1681e ( b ) and 1681i.\n\n4. Missing Past Due Amounts Both bureaus fail to report any past due amounts.\n\nA collection or delinquent account lacking this detail is misleading, suggesting it may not be delinquent at all. This constitutes incomplete and inaccurate reporting under 1681s-2 ( a ) ( 1 ) ( A ). \n\n5. Inconsistent and Misleading Comments TransUnion comments : Placed for Collection Experian : No comment listed The presence of conflicting comment data between credit bureaus creates an inconsistent narrative of account status, in direct conflict with the duty to report data uniformly and clearly under 1681e ( b ).\n\n6. Date Last Active Conflict TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX This is clear grounds for deletion or a full-scale reinvestigation. \n\nDEMAND FOR ACTION Pursuant to the rights granted to me under FCRA 1681i, I demand that you : Delete this account entirely from my credit file if it can not be verified as 100 % accurate and complete in every respect. \n\nDo not simply verify or update the accountI am specifically demanding that the listed discrepancies be individually addressed, not generically corrected or verified without documentation. \n\nShould you choose to verify the account, I am formally invoking my right to a Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ), which includes : -The name and contact information of the data furnisher ; -A detailed explanation of the reinvestigation procedures used ; -Copies of all original documents used to support and verify the accuracy of the reportingsuch as signed contracts, billing records, and payment history. \n\nNOTICE OF NONCOMPLIANCE Please be aware that any failure to delete or fully correct the above-referenced account within 30 days of this dispute will be interpreted as willful noncompliance with the FCRA, triggering my right to : File a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) ; File a complaint with the New York State Attorney Generals Office ; Seek legal remedies under FCRA 1681n for willful noncompliance and 1681o for negligent noncompliance, including statutory, actual, and punitive damages. \nPlease provide a written response within 30 days, outlining the actions taken and enclosing the necessary documentation. \n\nThank you for your immediate attention to this matter. \n\nAttached Is My State Id ( Verification ) Bank Statement ( proof of address ) XXXXXXXX XXXX Inconsistencies Highlighted Sincerely, XXXX XXXX","date_sent_to_company":"2025-05-23T04:32:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10009","tags":null,"has_narrative":true,"complaint_id":"13680299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-23T04:31:42.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : XX/XX/<em>XXXX</em> SSN ( last four ) : <em>XXXX</em> Phone : <em>XXXX</em> Email : <em>XXXX</em> Date : XX/XX/<em>XXXX</em> To : TransUnion/Experian Subject : Formal Dispute of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Account Original Creditor <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> ( Account Reference Number : XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) Dispute Under FCRA 1681e ( b ), 1681i, and 1681s-2 <em>Dear</em> TransUnion and Experian, I am <em>writing</em> to formally dispute the inaccurate and incomplete information being reported on my"]},"sort":[8.666422,"13680299"]},{"_index":"complaint-public-v1","_id":"13679228","_score":8.666422,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last four ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion/Experian Subject : Formal Dispute of XXXX XXXX XXXX Account Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ( Account Reference Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Dispute Under FCRA 1681e ( b ), 1681i, and 1681s-2 Dear TransUnion and Experian, I am writing to formally dispute the inaccurate and incomplete information being reported on my credit file concerning an account from XXXX XXXX XXXX, associated with the original creditor XXXX XXXX XXXX XXXX. This account is reported with multiple material inconsistencies between your respective bureaus, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and compromise the integrity of my consumer report. \n\nBelow are the specific issues I demand be investigated and resolved : 1. Inconsistent Account Opening Dates TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX This discrepancy in reported opening dates violates FCRA 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. Conflicting foundational data is clear evidence of unreliable furnishing. \n\n2. Omission of \" Number of Months ( Terms ) '' This field is left blank by both TransUnion and Experian. \nAs this is critical contractual information, its omission renders the account unverifiable and fails to meet the requirements of completeness and accuracy outlined in 1681i ( a ).\n\n3. Missing Credit Limit No credit limit is listed by either bureau.\n\nA credit or collection account missing this fundamental data is deficient in substance and does not allow for a fair interpretation of the account 's severity or impact. This omission further supports deletion under FCRA 1681e ( b ) and 1681i.\n\n4. Missing Past Due Amounts Both bureaus fail to report any past due amounts.\n\nA collection or delinquent account lacking this detail is misleading, suggesting it may not be delinquent at all. This constitutes incomplete and inaccurate reporting under 1681s-2 ( a ) ( 1 ) ( A ). \n\n5. Inconsistent and Misleading Comments TransUnion comments : Placed for Collection Experian : No comment listed The presence of conflicting comment data between credit bureaus creates an inconsistent narrative of account status, in direct conflict with the duty to report data uniformly and clearly under 1681e ( b ).\n\n6. Date Last Active Conflict TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX This is clear grounds for deletion or a full-scale reinvestigation. \n\nDEMAND FOR ACTION Pursuant to the rights granted to me under FCRA 1681i, I demand that you : Delete this account entirely from my credit file if it can not be verified as 100 % accurate and complete in every respect. \n\nDo not simply verify or update the accountI am specifically demanding that the listed discrepancies be individually addressed, not generically corrected or verified without documentation. \n\nShould you choose to verify the account, I am formally invoking my right to a Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ), which includes : -The name and contact information of the data furnisher ; -A detailed explanation of the reinvestigation procedures used ; -Copies of all original documents used to support and verify the accuracy of the reportingsuch as signed contracts, billing records, and payment history. \n\nNOTICE OF NONCOMPLIANCE Please be aware that any failure to delete or fully correct the above-referenced account within 30 days of this dispute will be interpreted as willful noncompliance with the FCRA, triggering my right to : File a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) ; File a complaint with the New York State Attorney Generals Office ; Seek legal remedies under FCRA 1681n for willful noncompliance and 1681o for negligent noncompliance, including statutory, actual, and punitive damages. \nPlease provide a written response within 30 days, outlining the actions taken and enclosing the necessary documentation. \n\nThank you for your immediate attention to this matter. \n\nAttached Is My State Id ( Verification ) Bank Statement ( proof of address ) XXXXXXXX XXXX Inconsistencies Highlighted Sincerely, XXXX XXXX","date_sent_to_company":"2025-05-23T04:32:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10009","tags":null,"has_narrative":true,"complaint_id":"13679228","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-23T03:58:51.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : XX/XX/<em>XXXX</em> SSN ( last four ) : <em>XXXX</em> Phone : <em>XXXX</em> Email : <em>XXXX</em> Date : XX/XX/<em>XXXX</em> To : TransUnion/Experian Subject : Formal Dispute of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Account Original Creditor <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> ( Account Reference Number : XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) Dispute Under FCRA 1681e ( b ), 1681i, and 1681s-2 <em>Dear</em> TransUnion and Experian, I am <em>writing</em> to formally dispute the inaccurate and incomplete information being reported on my"]},"sort":[8.666422,"13679228"]},{"_index":"complaint-public-v1","_id":"7298852","_score":8.431475,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Unauthorized Credit Reporting un\n\nder 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ), 15 U.S.C. 6801 Request for Removal Dear Sir/Madam, I am writing to dispute the unauthorized inclusion of certain items on my credit report, which I believe infringes upon my rights as outlined under the United States Code , specifically 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ). I kindly request that you conduct an immediate investigation into these matters and take the necessary actions to rectify them.\n\nFirstly, according to 15 U.S.C. 1681 ( b ), credit reporting agencies are not permitted to include any information on an individual 's credit report without obtaining their written consent. To the best of my knowledge, I have not provided written consent for the items in question to be included on my credit report. Hence, their inclusion violates this provision.\n\nFurthermore, 15 U.S.C. 1681 ( c ) ( 1 ) states that the unauthorized placement of items on a credit report without written consent constitutes identity theft. I assert that these unauthorized entries are a result of identity theft since I have not granted permission for their inclusion on my credit report.\n\nAdditionally, in accordance with 15 U.S.C. 1681 ( c ) ( 2 ), if a consumer notifies a credit reporting agency of inaccurate or incomplete information, the agency must promptly investigate and remove the information as necessary. Therefore, I request that you conduct an immediate investigation into the unauthorized items on my credit report and take prompt action to remove them, as they lack my written consent and inaccurately reflect my credit history.\n\nFurthermore, it is worth noting that under the provisions of 15 U.S.C. 6801, credit reporting agencies are required to safeguard consumer information to prevent unauthorized access and use. Failure to meet these safeguards may result in violations of consumer privacy and security rights. I expect you to adhere to these safeguarding requirements and ensure the removal of the unauthorized items from my credit report.\n\nAccording to the provisions outlined in the USC code, specifically Under 15 U.S. Code 1681 The definition of \" INVESTIGATE '' : ( e ) 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. I have the right to dispute inaccurate information on my credit report. I exercised this right and submitted a formal dispute to the Bureau 's on XX/XX/2023. The inaccuracies pertain to Collection entry on my credit report that I have never authorized or entered into any contractual agreement with. Cease all collection activities until investigation completion. 15 U.S. Code 1681s 2, 1681a ( 3 ).\n\n.\n\nDespite providing all necessary documentation and evidence to support my dispute, the Bureau has failed to initiate a thorough investigation into the matter. As per the U.S.C. code definition, it is the responsibility of the credit bureau to conduct a reasonable investigation upon receiving notice of a dispute.\n\nI am deeply concerned about this violation of the law and the potential negative impact on my creditworthiness. The failure to investigate my dispute not only undermines my rights as a consumer but also compromises the accuracy and integrity of the credit reporting system as a whole.\n\nI kindly request your intervention and assistance in addressing this matter. I believe it is imperative for the Bureau 's to adhere to the regulations set forth in the U.S.C. code and fulfill its obligation to investigate and correct inaccuracies on my credit report.\n\nI respectfully ask that you investigate this matter further, ensure compliance with the applicable U.S.C. code, and take appropriate actions against the Bureau 's for their non-compliance. Additionally, I kindly request that you keep me informed of any progress or developments regarding my complaint.\n\nI kindly request that you provide written documentation of the investigation results, as well as the removal or modification of the unauthorized items, within 14 business days.\n\nPlease consider this letter as my formal request for an investigation and resolution of the unauthorized credit reporting entries on my credit report. I trust that you will fulfill your obligations under the law and promptly address this matter.\n\nLastly, I kindly request that you initiate a comprehensive investigation into these disputed items as outlined in my dispute. Please ensure that the investigation is conducted in accordance with the relevant sections of the FCRA, including but not limited to : 15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate/Invalidated Credit Information 15 U.S. Code 1681e ( b ) - Compliance Procedures for Maximum Possible Accuracy 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies under FCRA 15 U.S. Code 1692e - False or Misleading Representations under FDCPA 15 U.S. Code 1681a ( 3 ) - Restriction on Sharing of Medical Information 15 US Code 1681b ( 4 ) - Limitation on Redisclosure of Medical Information 15 U.S. Code 1681a ( 2 ) ( B ) - Exclusions from a Consumer Report 15 U.S. Code 1666 ( b ) - Billing Error under TILA 15 U.S. Code 1605 - Determination of Finance Charge During the investigation period, I kindly ask that you place these disputed items in dispute and refrain from reporting them to any third parties. I also request that you contact the relevant data furnishers and inform them of these disputes, instructing them to cease reporting the disputed items until the completion of your investigation and the resolution of these matters.\n\nBelow you will find all the items that are inaccurate : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rati XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rati XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rati XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n\nXXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX Please remove it from my credit report. \n\nAdditionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.\n\nI reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.\n\nI realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your \" form letter '' thus giving you only 15 days not 30 more.\n\nI am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. \n\nSincerely yours, XXXX XXXX","date_sent_to_company":"2023-07-24T16:21:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30096","tags":null,"has_narrative":true,"complaint_id":"7298852","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-24T16:15:19.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Dispute of Unauthorized Credit Reporting un\n\nder 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ), 15 U.S.C. 6801 Request for Removal <em>Dear</em> Sir/Madam, I am <em>writing</em> to dispute the unauthorized inclusion of certain items on my credit report, which I believe infringes upon my rights as outlined under the United States Code , specifically 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 )."]},"sort":[8.431475,"7298852"]},{"_index":"complaint-public-v1","_id":"14998738","_score":6.8218813,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Deletion of Inaccurate Tradeline Due to Negligent Reporting, Refusal to Correct, and False Statements Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Possible Finance Inc . \nAttn : Compliance Department XXXX XXXX XXXX XXXX, WA XXXX Re : Dispute of Inaccurate Credit Reporting and Demand for Immediate Deletion CFPB Complaint Reference : XXXX Dear Possible Finance Compliance Team, I am writing in direct response to your company 's misleading reply dated XX/XX/XXXX, to my complaint filed with the Consumer Financial Protection Bureau XXXX CFPB ) concerning the blatantly inaccurate and inconsistent reporting of my account to the consumer reporting agencies ( CRAs ), including XXXX, XXXX, and XXXX. In your response, you falsely assert that Possible Finance is furnishing accurate information, that no evidence of misreporting exists, and that your investigations in XXXX and XX/XX/XXXX confirmed as much. These statements are demonstrably untrue, as my current credit reports reveal glaring conflicts in the data you have reportedconflicts that you have negligently failed to update despite multiple disputes and have outright refused to correct. This pattern of negligence, refusal, and dishonesty constitutes willful violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines, entitling me to demand the immediate deletion of this tradeline from all CRAs. Failure to comply will result in escalated legal action. \n\n# # # Summary of the Account and Your Deceptive Response As per your response, I obtained a loan from Possible Finance on XX/XX/XXXX, for {$180.00} ( amount financed ). You claim I made only one of four payments, leading to a charge-off on XX/XX/XXXX, and insist your reporting is accurate and authorized under your Privacy Notice. You further lie by stating that your investigations found \" no evidence of misreporting '' and deny any FCRA violations, refusing to delete the reporting despite my requests. \n\nThese assertions are outright fabrications. Not only do the discrepancies in my credit reports prove your reporting is inaccurate, but your repeated failure to update the information after being notified through prior CRA disputes and this CFPB complaint demonstrates gross negligence. Moreover, your refusal to rectify these errorswhile doubling down on false claims of accuracyshows a deliberate disregard for your legal obligations. Under the FCRA, such unverifiable and conflicting information must be deleted, and I hereby demand you do so immediately. \n\nXXXX XXXX XXXX  Evidence of Conflicting Reporting Proving Your Lies and Negligence My credit reports, pulled as of XX/XX/XXXX, expose the falsehoods in your response through these irreconcilable discrepancies in the data you furnished : 1. * * Date Opened * * : - XXXX  : XX/XX/XXXX. \n- XXXX  : XX/XX/XXXX. \nThis 21-day variance contradicts your stated loan date of XX/XX/XXXX, and highlights your negligent failure to ensure consistent reporting. You lied about accuracy, as this basic detail varies wildly across bureaus. \n\n2. * * Date of Last Activity * * : - XXXX  : XX/XX/XXXX. \n- XXXX  : XX/XX/XXXX. \nA discrepancy spanning over two years is inexplicable and unsupported by your response, which mentions no XXXX activity. Reporting phantom recent activity on XXXX  could unlawfully re-age the account, and your refusal to update this after disputes proves willful negligence. \n\nXXXX. * * Account Comments and Status Descriptions * * : - XXXX  : \" Charged off as bad debt. Dispute resolved ; reported by grantor. '' - XXXX  : \" Account in dispute- now resolved - reported by subscriber. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. Unpaid balance reported as a loss by the credit grantor. '' These conflicting narratives imply different handling ( e.g., no mention of attorney or collections assignment in your response ), rendering your claim of accurate reporting a lie. Your negligence in not standardizing these details has allowed harmful inconsistencies to persist. \n\n4. * * Additional Inconsistencies * * : - Balance ( {$170.00} ), past due ( {$170.00} ), high credit ( {$180.00} ), and terms ( 2 months ) are reported, but with a {$0.00} credit limitunusual for an unsecured loan and indicative of improper categorization. The last reported date ( XX/XX/XXXX ) lacks justification, further evidencing your failure to update accurately. \n- Payment history shows uniform \" CO '' ( charge-off ) entries, yet you have refused to correct the overall conflicting data. \n\nThese discrepancies make the information unverifiable and directly contradict your false assurances of accuracy. Your negligence in maintaining consistent records and refusal to update post-dispute have prolonged this damage to my credit. \n\nXXXX XXXX XXXX  Violations of the Fair Credit Reporting Act ( FCRA ) Stemming from Negligence, Refusal, and Lies Your actionsor lack thereofviolate key FCRA provisions ( 15 U.S.C. 1681 et seq. ), particularly through negligent investigations, refusal to correct, and false representations : 1. * * Section 623 ( a ) ( 1 ) Duty to Provide Accurate Information * * : You must not furnish known or reasonably believed inaccurate data. The conflicts prove you knew or should have known of inaccuracies, yet you negligently continued reporting them and lied in your response about their absence.\n\n2. * * Section 623 ( b ) Duties Upon Notice of Dispute * * : After CRA disputes in XXXX XXXX and this CFPB notice, you were obligated to reasonably investigate and correct/delete unverifiable info. Your superficial \" investigation '' was negligent, as errors remain, and your refusal to update violates this duty. Claiming \" no evidence of misreporting '' is a blatant lie given the evidence. \n\n3. * * Section 623 ( a ) ( 2 ) Duty to Correct and Update * * : You must promptly fix inaccuracies and notify CRAs. Your ongoing refusal to do so, despite clear conflicts, constitutes negligence and willful noncompliance. \n\nThese violations have inflicted harm, including credit denials and stress. FCRA allows for actual, statutory ( {$1000.00} per violation ), punitive damages, and fees ( 15 U.S.C. 1681n, 1681o ). Courts penalize furnishers for such negligent and deceptive practices. \n\nXXXX XXXX XXXX Violations of XXXX XXXX Reporting Guidelines Due to Negligent Handling Under the Credit Reporting Resource Guide ( CRRG ) and XXXX XXXX standards maintained by the XXXX XXXX XXXX XXXX ( XXXX ) : - * * Inconsistent Field Reporting * * : Varied Date Opened ( Field 10 ) and Last Activity ( Field 18 ) breach requirements for uniform data, reflecting your negligence in submissions.\n\n- * * Improper Status Codes * * : Conflicting comments misuse Account Status ( Field 17A, e.g., 97 for charge-off ) and Special Comment Codes ( Field 39 ), creating ambiguity you refused to resolve.\n\n- * * Prohibited Practices * * : Reporting unsubstantiated XXXX activity suggests re-aging, a XXXX XXXX violation, compounded by your lies about accuracy. \n\nYour negligent non-compliance has led to these issues, mandating deletion under FCRA when data can't be verified. \n\nXXXX XXXX XXXX  Demand for Deletion and Other Remedies Due to your negligence in updating the reporting, refusal to correct despite disputes, and false statements in your response, I demand the following within 15 days : 1. Immediate deletion of the entire tradeline from XXXX XXXX XXXX, and any other CRAs, as the information is unverifiable and inaccurate. \n2. Cease all collection activities permanently.\n\n3. Provide written confirmation of deletion, including CRA notifications and updated reports.\n\n4. Compensate me for damages caused by your violations, or face litigation.\n\nNoncompliance will prompt new CFPB/FTC complaints , state Attorney General involvement, and FCRA lawsuit for willful violations. I reserve all rights.\n\nRespond in writing to the above address. All communications are preserved for legal purposes. \n\nSincerely, Enclosures : - Credit Report Excerpts ( XXXX XXXX XXXX  ) - CFPB Complaint and Your Response ( Reference : XXXX )","date_sent_to_company":"2025-07-31T17:11:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77471","tags":null,"has_narrative":true,"complaint_id":"14998738","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Possible Financial Inc","date_received":"2025-07-31T17:06:05.000Z","state":"TX","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Attn : Compliance Department <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, WA <em>XXXX</em> Re : Dispute of Inaccurate Credit Reporting and Demand for Immediate Deletion CFPB <em>Complaint</em> Reference : <em>XXXX</em> <em>Dear</em> Possible Finance Compliance Team, I am <em>writing</em> in direct response to your company 's misleading reply dated XX/XX/<em>XXXX</em>, to my <em>complaint</em> filed with the Consumer Financial Protection Bureau <em>XXXX</em> CFPB ) concerning the blatantly inaccurate and inconsistent reporting of my account to the consumer reporting agencies ( CRAs ), including"],"company_public_response":["Company disputes the facts presented in the <em>complaint</em>"]},"sort":[6.8218813,"14998738"]},{"_index":"complaint-public-v1","_id":"14997263","_score":6.804455,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Deletion of Inaccurate Tradeline Due to Negligent Reporting, Refusal to Correct, and False Statements Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX  ), XXXXXXXX XXXX XXXX XXXX XXXX  ( Experian ), and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX \nAttn : XXXX XXXX  XXXX XXXX XXXX XXXX, WA XXXX Re : Dispute of Inaccurate Credit Reporting and Demand for Immediate Deletion CFPB Complaint Reference : XXXX Dear XXXX XXXX Compliance Team, I am writing in direct response to your company 's misleading reply dated XX/XX/XXXX, to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the blatantly inaccurate and inconsistent reporting of my account to the consumer reporting agencies ( CRAs ), including XXXX, Experian, and XXXX. In your response, you falsely assert that XXXX XXXX is furnishing accurate information, that no evidence of misreporting exists, and that your investigations in XXXX and XX/XX/XXXX confirmed as much. These statements are demonstrably untrue, as my current credit reports reveal glaring conflicts in the data you have reportedconflicts that you have negligently failed to update despite multiple disputes and have outright refused to correct. This pattern of negligence, refusal, and dishonesty constitutes willful violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, entitling me to demand the immediate deletion of this tradeline from all CRAs. Failure to comply will result in escalated legal action. \n\n# # # Summary of the Account and Your Deceptive Response As per your response, I obtained a loan from XXXX XXXX on XX/XX/XXXX, for {$180.00} ( amount financed ). You claim I made only XXXX of XXXX payments, leading to a charge-off on XX/XX/XXXX, and insist your reporting is accurate and authorized under your Privacy Notice. You further lie by stating that your investigations found \" no evidence of misreporting '' and deny any FCRA violations, refusing to delete the reporting despite my requests. \n\nThese assertions are outright fabrications. Not only do the discrepancies in my credit reports prove your reporting is inaccurate, but your repeated failure to update the information after being notified through prior CRA disputes and this CFPB complaint demonstrates gross negligence. Moreover, your refusal to rectify these errorswhile doubling down on false claims of accuracyshows a deliberate disregard for your legal obligations. Under the FCRA, such unverifiable and conflicting information must be deleted, and I hereby demand you do so immediately. \n\n# # # Evidence of Conflicting Reporting Proving Your Lies and Negligence My credit reports, pulled as of XX/XX/XXXX, expose the falsehoods in your response through these irreconcilable discrepancies in the data you furnished : XXXX. * * Date Opened * * : - XXXX  : XX/XX/XXXX. \n- Experian : XX/XX/XXXX. \nThis XXXX variance contradicts your stated loan date of XX/XX/XXXX, and highlights your negligent failure to ensure consistent reporting. You lied about accuracy, as this basic detail varies wildly across bureaus. \n\nXXXX. * * Date of Last Activity * * : - XXXX  : XX/XX/XXXX. \n- Experian : XX/XX/XXXX. \nA discrepancy spanning over XXXX years is inexplicable and unsupported by your response, which mentions no XXXX activity. Reporting phantom recent activity on Experian could unlawfully re-age the account, and your refusal to update this after disputes proves willful negligence. \n\nXXXX. * * Account Comments and Status Descriptions * * : - XXXX  : \" Charged off as bad debt. Dispute resolved ; reported by grantor. '' - Experian : \" Account in dispute- now resolved - reported by subscriber. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. Unpaid balance reported as a loss by the credit grantor. '' These conflicting narratives imply different handling ( e.g., no mention of attorney or collections assignment in your response ), rendering your claim of accurate reporting a lie. Your negligence in not standardizing these details has allowed harmful inconsistencies to persist. \n\nXXXX. * * Additional Inconsistencies * * : - Balance ( {$170.00} ), past due ( {$170.00} ), high credit ( {$180.00} ), and terms ( 2 months ) are reported, but with a {$0.00} credit limitunusual for an unsecured loan and indicative of improper categorization. The last reported date ( XX/XX/XXXX ) lacks justification, further evidencing your failure to update accurately. \n- Payment history shows uniform \" CO '' ( charge-off ) entries, yet you have refused to correct the overall conflicting data. \n\nThese discrepancies make the information unverifiable and directly contradict your false assurances of accuracy. Your negligence in maintaining consistent records and refusal to update post-dispute have prolonged this damage to my credit. \n\n# # # Violations of the Fair Credit Reporting Act ( FCRA ) Stemming from Negligence, Refusal, and Lies Your actionsor lack thereofviolate key FCRA provisions ( 15 U.S.C. 1681 et seq. ), particularly through negligent investigations, refusal to correct, and false representations : 1. * * Section 623 ( a ) ( 1 ) Duty to Provide Accurate Information * * : You must not furnish known or reasonably believed inaccurate data. The conflicts prove you knew or should have known of inaccuracies, yet you negligently continued reporting them and lied in your response about their absence. \n\n2. * * Section 623 ( b ) Duties Upon Notice of Dispute * * : After CRA disputes in XXXX XXXX and this CFPB notice, you were obligated to reasonably investigate and correct/delete unverifiable info. Your superficial \" investigation '' was negligent, as errors remain, and your refusal to update violates this duty. Claiming \" no evidence of misreporting '' is a blatant lie given the evidence. \n\n3. * * Section 623 ( a ) ( 2 ) Duty to Correct and Update * * : You must promptly fix inaccuracies and notify CRAs. Your ongoing refusal to do so, despite clear conflicts, constitutes negligence and willful noncompliance. \n\nThese violations have inflicted harm, including credit denials and stress. FCRA allows for actual, statutory ( {$1000.00} per violation ), punitive damages, and fees ( 15 U.S.C. 1681n, 1681o ). Courts penalize furnishers for such negligent and deceptive practices.\n\n# # # Violations of Metro 2 Reporting Guidelines Due to Negligent Handling Under the Credit Reporting Resource Guide ( CRRG ) and Metro 2 standards maintained by the Consumer Data Industry Association ( CDIA ) : - * * Inconsistent Field Reporting * * : Varied Date Opened ( Field XXXX ) and Last Activity ( Field XXXX ) breach requirements for uniform data, reflecting your negligence in submissions. \n- * * Improper Status Codes * * : Conflicting comments misuse Account Status ( Field 17A, e.g., 97 for charge-off ) and Special Comment Codes ( Field 39 ), creating ambiguity you refused to resolve.\n\n- * * Prohibited Practices * * : Reporting unsubstantiated 2025 activity suggests re-aging, a Metro 2 violation, compounded by your lies about accuracy. \n\nYour negligent non-compliance has led to these issues, mandating deletion under FCRA when data can't be verified. \n\n# # # Demand for Deletion and Other Remedies Due to your negligence in updating the reporting, refusal to correct despite disputes, and false statements in your response, I demand the following within 15 days : 1. Immediate deletion of the entire tradeline from XXXX, Experian, XXXX, and any other CRAs, as the information is unverifiable and inaccurate.\n\n2. Cease all collection activities permanently.\n\n3. Provide written confirmation of deletion, including CRA notifications and updated reports.\n\n4. Compensate me for damages caused by your violations, or face litigation.\n\nNoncompliance will prompt new CFPB/FTC complaints , state Attorney General involvement, and FCRA lawsuit for willful violations. I reserve all rights. \n\nRespond in writing to the above address. All communications are preserved for legal purposes. \n\nSincerely, Enclosures : - Credit Report Excerpts ( XXXX, Experian, XXXX  ) - CFPB Complaint and Your Response ( Reference : XXXX )","date_sent_to_company":"2025-07-31T17:11:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77471","tags":null,"has_narrative":true,"complaint_id":"14997263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-31T17:11:05.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Respond in <em>writing</em> to the above address. All communications are preserved for legal purposes. \n\nSincerely, Enclosures : - Credit Report Excerpts ( <em>XXXX</em>, Experian, <em>XXXX</em>  ) - CFPB <em>Complaint</em> and Your Response ( Reference : <em>XXXX</em> )"]},"sort":[6.804455,"14997263"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":35,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":35}]}},"product":{"doc_count":35,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":16}]}},{"key":"Debt collection","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Auto debt","doc_count":2},{"key":"I do not know","doc_count":2},{"key":"Other 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