{"took":326,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":296,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15779917","_score":20.381197,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Incorrect information on credit report failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed information ). \n\nComplaint Narrative : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX.","date_sent_to_company":"2025-09-07T02:17:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"15779917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-07T01:56:48.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Issue</em> : <em>Incorrect</em> <em>information</em> on <em>credit</em> <em>report</em> failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed <em>information</em> ). \n\n<em>Complaint</em> <em>Narrative</em> : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[20.381197,"15779917"]},{"_index":"complaint-public-v1","_id":"15779786","_score":20.381197,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Incorrect information on credit report failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed information ). \n\nComplaint Narrative : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX.","date_sent_to_company":"2025-09-07T02:17:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"15779786","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-07T02:17:35.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Issue</em> : <em>Incorrect</em> <em>information</em> on <em>credit</em> <em>report</em> failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed <em>information</em> ). \n\n<em>Complaint</em> <em>Narrative</em> : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[20.381197,"15779786"]},{"_index":"complaint-public-v1","_id":"15764680","_score":20.355211,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Incorrect information on credit report failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed information ). \n\nComplaint Narrative : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX.","date_sent_to_company":"2025-09-07T02:18:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"15764680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-07T02:17:35.000Z","state":"NV","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Issue</em> : <em>Incorrect</em> <em>information</em> on <em>credit</em> <em>report</em> failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed <em>information</em> ). \n\n<em>Complaint</em> <em>Narrative</em> : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[20.355211,"15764680"]},{"_index":"complaint-public-v1","_id":"11791258","_score":19.255625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Date CFPB received the complaint XX/XX/year>2024 Consumers state IL Consumers zip XXXX Submitted via Web Did consumer dispute the response? \nN/A Product Credit reporting or other personal consumer reports Sub-product : Credit reporting Issue Incorrect information on your report Sub-issue : Information is missing that should be on the report Consumer consent to publish narrative Consent provided Consumer complaint narrative Im very devastated that i have paid off a { {$23000.00} } dollar car loan with only 7 % left to pay and NOT XXXX credit burial has given me any points on my credit report. XXXX has never given me any credit points for a 100 % flawless car payment. and XXXX and XXXX has never even reported it on my credit file. it's like im the most XXXX at XXXX because everyone get points for having 100 % payment history and i did not receive any score points or boost I want the XXXX points i should have that i have paid off this loan up to 7 % please treat me fair and considering i just beat XXXX XXXX XXXX XXXX and i still never missed a car payment and never been late. I have checked around and i know i should have XXXX points for this","date_sent_to_company":"2025-01-27T10:08:22.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"92301","tags":null,"has_narrative":true,"complaint_id":"11791258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-27T10:08:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["N/A Product <em>Credit</em> <em>reporting</em> or other personal consumer <em>reports</em> Sub-product : <em>Credit</em> <em>reporting</em> <em>Issue</em> <em>Incorrect</em> <em>information</em> on your <em>report</em> Sub-<em>issue</em> : <em>Information</em> is missing that should be on the <em>report</em> Consumer consent to publish <em>narrative</em> Consent provided Consumer <em>complaint</em> <em>narrative</em> Im very devastated that i have paid off a { {$23000.00} } dollar car loan with only 7 % left to pay and NOT XXXX <em>credit</em> burial has given me any points on my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.255625,"11791258"]},{"_index":"complaint-public-v1","_id":"11791256","_score":19.1703,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Date CFPB received the complaint XX/XX/year>2024 Consumers state IL Consumers zip XXXX Submitted via Web Did consumer dispute the response? \nN/A Product Credit reporting or other personal consumer reports Sub-product : Credit reporting Issue Incorrect information on your report Sub-issue : Information is missing that should be on the report Consumer consent to publish narrative Consent provided Consumer complaint narrative Im very devastated that i have paid off a { {$23000.00} } dollar car loan with only 7 % left to pay and NOT XXXX credit burial has given me any points on my credit report. XXXX has never given me any credit points for a 100 % flawless car payment. and Experien and XXXX has never even reported it on my credit file. it's like im the most XXXX at XXXX because everyone get points for having 100 % payment history and i did not receive any score points or boost I want the XXXX points i should have that i have paid off this loan up to 7 % please treat me fair and considering i just beat XXXX XXXX XXXX XXXX and i still never missed a car payment and never been late. I have checked around and i know i should have XXXX points for this","date_sent_to_company":"2025-01-27T10:08:22.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"92301","tags":null,"has_narrative":true,"complaint_id":"11791256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-27T10:08:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["N/A Product <em>Credit</em> <em>reporting</em> or other personal consumer <em>reports</em> Sub-product : <em>Credit</em> <em>reporting</em> <em>Issue</em> <em>Incorrect</em> <em>information</em> on your <em>report</em> Sub-<em>issue</em> : <em>Information</em> is missing that should be on the <em>report</em> Consumer consent to publish <em>narrative</em> Consent provided Consumer <em>complaint</em> <em>narrative</em> Im very devastated that i have paid off a { {$23000.00} } dollar car loan with only 7 % left to pay and NOT XXXX <em>credit</em> burial has given me any points on my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.1703,"11791256"]},{"_index":"complaint-public-v1","_id":"12901089","_score":19.06614,"_source":{"product":"Credit card","complaint_what_happened":"Company Name : Capital One Issue : Incorrect Name on credit report Sub-issue : Account information is inaccurate Consumer Complaint Narrative : I am filing a complaint against Capital One regarding an account reported on my credit file with incorrect personal and account information. \n\nCapital One sent me a letter ( dated XXXX XXXX XXXX ) in response to my debt verification request. In that letter, they : Misspelled my name ( incorrectly spelled XXXX XXXX ) Referenced an incorrect account number ( account number ending in XXXX ) Sent mail to my current address, which I never provided to them until I disputed the debt These inaccuracies confirm that this account is not mine and was reported erroneously. I have already disputed this with XXXX, XXXX, and XXXX and provided supporting documentation. \n\nBecause Capital One has failed to provide verifiable, accurate information and confirmed an error in their response, I am requesting that the CFPB instruct them to delete this account from all credit reporting agencies immediately under the FCRA On documents given was my license, ssn, utility bill, bank statement, and debt verification letter.","date_sent_to_company":"2025-04-09T20:02:49.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"77053","tags":null,"has_narrative":true,"complaint_id":"12901089","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-09T19:30:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Company Name : Capital One <em>Issue</em> : <em>Incorrect</em> Name on <em>credit</em> <em>report</em> Sub-<em>issue</em> : Account <em>information</em> is inaccurate Consumer <em>Complaint</em> <em>Narrative</em> : I am filing a <em>complaint</em> against Capital One regarding an account <em>reported</em> on my <em>credit</em> file with <em>incorrect</em> personal and account <em>information</em>. \n\nCapital One sent me a letter ( dated XXXX XXXX XXXX ) in response to my debt verification request."],"product":["<em>Credit</em> card"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["Personal <em>information</em> <em>incorrect</em>"]},"sort":[19.06614,"12901089"]},{"_index":"complaint-public-v1","_id":"18155060","_score":18.825832,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Credit Reporting Issue : Incorrect information ; failure to investigate ; unverifiable collection reporting. Complaint Narrative\nCavalry Portfolio Services is reporting a collection account originally attributed to XXXX XXXX  with a balance of {$750.00} on my XXXX  credit file. Despite dispute, no competent evidence has been provided establishing lawful ownership, authority to collect, or a complete itemized accounting. XXXX  has failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i and has continued reporting in violation of 1681e ( b ).\n\nUnder 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be deleted. Continued reporting also violates 15 U.S.C. 1692g ( b ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nProduct : Credit Reporting Issue : Incorrect information on credit report ; failure to investigate ; unverifiable charge-off reporting.\n\nComplaint Narrative XXXX XXXX is reporting a charged-off credit card account with a balance of {$1400.00} that is inaccurate, incomplete, and unverifiable. Despite dispute, XXXX has failed to provide competent documentary evidence of a legally enforceable obligation or a complete itemized accounting validating the balance. The account continues to be updated after charge-off, materially misrepresenting its status. \nXXXX  and XXXX have failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and have continued reporting in violation of 15 U.S.C. 1681e ( b ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be deleted.","date_sent_to_company":"2025-12-18T21:22:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"00926","tags":null,"has_narrative":true,"complaint_id":"18155060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAVALRY INVESTMENTS, LLC","date_received":"2025-12-18T21:09:22.000Z","state":"PR","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Product : <em>Credit</em> <em>Reporting</em> <em>Issue</em> : <em>Incorrect</em> <em>information</em> ; failure to investigate ; unverifiable collection <em>reporting</em>. <em>Complaint</em> <em>Narrative</em>\nCavalry Portfolio Services is <em>reporting</em> a collection account originally attributed to XXXX XXXX  with a balance of {$750.00} on my XXXX  <em>credit</em> file. Despite dispute, no competent evidence has been provided establishing lawful ownership, authority to collect, or a complete itemized accounting."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[18.825832,"18155060"]},{"_index":"complaint-public-v1","_id":"14470652","_score":17.901258,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this CFPB complaint against TransUnion for their continued failure to maintain accurate and verifiable information on my consumer credit report. Despite multiple disputes and attempts to resolve these issues directly with the bureau, the following inaccurate, unverifiable, and damaging items remain on my TransUnion credit report in violation of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. \nWrong Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Issue : This address is being falsely reported on my credit file by TransUnion. I have never resided at this address nor have I used it for any financial or personal purposes. Its presence is causing confusion, misrepresentation, and linking my credit profile to unknown data. \nViolation of Law : Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), TransUnion is obligated to maintain maximum possible accuracy in the information it includes in credit reports. Failing to remove a clearly incorrect address after my multiple disputes violates this federal responsibility.\n\nNarrative : I am a victim of serious reporting errors that have impacted my credit reputation and exposed me to potential fraud risk. Despite prior disputes, TransUnion continues to report this false address, disregarding my identity verification documents. This ongoing negligence is putting my financial security at risk and causing me emotional distress. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$4700.00} Issue : This account reflects late payments, which are inaccurately reported. I have made all payments as agreed or was in an authorized deferment period.\n\nViolation of Law : FCRA Section 623 ( a ) ( 1 ) ( A ) requires furnishers not to report inaccurate information. Additionally, 15 U.S.C. 1681i mandates TransUnion to conduct a reasonable reinvestigation when a dispute is filed.\n\nNarrative : Despite submitting documentation showing my loans were in deferment or forbearance, TransUnion continues to list this account as late. This misinformation is harming my XXXX XXXX and limiting my financial opportunities. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3500.00} Issue : Late payment entries are incorrect as I was in a federally approved forbearance program during the periods in question. \nViolation of Law : 15 U.S.C. 1681e ( b ) requires credit bureaus to ensure accuracy. Reporting missed payments during approved forbearance directly violates this standard. \nNarrative : I repeatedly asked XXXX and TransUnion to validate and correct this, providing evidence of forbearance approval. TransUnions refusal to properly investigate violates my rights and continues to damage my credit reputation. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$1900.00} Issue : This account has late payment notations that were never verified and are inaccurate. \nViolation of Law : FCRA Sections 611 and 623 require proper investigation and correction upon dispute.\n\nNarrative : I have requested validation and provided proof, but TransUnion failed to correct the erroneous data, demonstrating non-compliance and willful negligence. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7100.00} Issue : Reported as delinquent during a deferment period that was fully authorized. \nViolation of Law : Reporting derogatory information during a valid deferment period constitutes a violation of the CARES Act and the FCRA.\n\nNarrative : My federal loan was in deferment during the reported delinquency. I have submitted multiple disputes with documentation, yet TransUnion continues to publish false derogatory marks. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3800.00} Issue : TransUnion is inaccurately reporting late payments while my account was in active deferment. \nViolation of Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates reinvestigation and correction of disputed inaccuracies. \nNarrative : XXXX has verified my deferment, yet TransUnion refuses to update or remove the inaccurate information. This is causing me reputational and financial damage, particularly in loan application rejections. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7100.00} Issue : False reporting of late payments, which contradicts forbearance records Ive provided. \nViolation of Law : FCRA and CARES Act protections were ignored. Reporting negative information during forbearance is deceptive and illegal. \nNarrative : Ive suffered financial harm due to this misinformation, including a denied mortgage pre-approval. My dispute has been ignored and the data remains unchanged despite my evidence. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3700.00} Issue : The account reflects inaccurate late payment reporting. I was under hardship forbearance at the time, which I documented. \nViolation of Law : The FCRAs duty to ensure maximum accuracy ( Section 607 ( b ) ) and proper reinvestigation ( Section 611 ) were not followed.\n\nNarrative : TransUnion has shown disregard for federally mandated borrower protections. Their reporting has directly caused credit score damage and emotional distress. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$160.00} Issue : Late payment entries are false, as payments were either current or in a temporary COVID-related deferment. \nViolation of Law : This is a violation of the FCRA and CARES Act protections under Section 4021.\n\nNarrative : TransUnion 's failure to align with federal guidance during the pandemic has led to false reporting and negative consequences in my credit profile. Despite providing proof, no action was taken to fix it. \nConclusion : I am submitting this CFPB complaint due to TransUnions ongoing failure to fulfill its legal obligations under the FCRA and related consumer protection laws. Despite my formal disputes, TransUnion continues to report false addresses and misrepresents multiple XXXX student loan accounts with inaccurate late payments. These errors are severely impacting my credit profile, financial access, and mental well-being. I request immediate reinvestigation and permanent deletion of the inaccurate address and all XXXX late payment entries from my credit report.","date_sent_to_company":"2025-07-04T14:25:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27615","tags":null,"has_narrative":true,"complaint_id":"14470652","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-04T14:14:00.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this CFPB <em>complaint</em> against TransUnion for their continued failure to maintain accurate and verifiable <em>information</em> on my consumer <em>credit</em> <em>report</em>. Despite multiple disputes and attempts to resolve these <em>issues</em> directly with the bureau, the following inaccurate, unverifiable, and damaging items remain on my TransUnion <em>credit</em> <em>report</em> in violation of federal law, including but not limited to the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S. Code 1681 et seq."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[17.901258,"14470652"]},{"_index":"complaint-public-v1","_id":"14236881","_score":17.777826,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian for gross and continued violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, due to inaccurate information being reported on my credit file, including inaccurate accounts, misreported late payments, charge-offs, and an address I have never resided at.\n\nDespite multiple disputes, Experian has failed to conduct a reasonable investigation, continues to report false and damaging information, and refuses to remove accounts that are either inaccurate, unverifiable, or incorrectly associated with my identity. \nWrong Address Reported XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Wrong Address I have never resided at or been affiliated with this address. \nReporting this address is a violation of FCRA 1681e ( b ) which mandates that credit bureaus must maintain accurate and up-to-date information.\n\nThis false address has caused confusion, misidentification, and likely data merge with accounts that do not belong to me.\n\nInaccurate or Misreported Accounts 1. XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX High Balance : {$260000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681s-2 ( b ) Failure to correct or delete inaccurate information after dispute o Narrative : This mortgage account shows late payments that I have no knowledge of, and I have never been late based on my bank statements. No verification documents were provided upon dispute.\n\n2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX o Issue : Charged Off o Violation : FCRA XXXX ( a ) Failure to properly reinvestigate disputed information o Narrative : This account is reporting a charge-off without proper validation. I requested documentation and none was provided. I also never opened an account on this date. \n3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$880.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681e ( b ) Inaccurate data retention o Narrative : Late payments reported here are inaccurate. I have proof of on-time payments and Experian failed to update even after dispute. \n4. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$240.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681i ( a ) o Narrative : This account contains late payment entries that are not accurate. XXXX could not verify the delinquencies when contacted. \n5. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FDCPA 1692e False or misleading representation o Narrative : I dispute the late payments reflected here. XXXX XXXX has multiple inaccuracies reported across bureaus which I suspect are due to reporting errors or data mix-up. \n6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681c Obsolete account reporting o Narrative : XXXX is reporting late payments past the legally permissible time. This is outdated and damaging to my credit file. \n7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$760.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681s-2 o Narrative : This account shows immediate delinquency right after opening, which is factually impossible. No documentation was provided after dispute. \n8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FDCPA 1692g Failure to validate o Narrative : These late payments are disputed and unverifiable. I have made consistent payments and XXXX has not confirmed any details. \n9. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$84000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681s-2 ( b ) ( 1 ) ( D ) Furnishers must correct or delete inaccurate information o Narrative : These loans were placed in forbearance during COVID and should not show delinquencies. This misreporting is hurting my credit. \n10. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$7700.00} | Date Opened : XX/XX/XXXX o Issue : Charge-Off o Violation : FCRA 1681c ( a ) ( 4 ) Reporting obsolete charge-off o Narrative : This account is inaccurately listed as charged-off. There was a payment plan and resolution, which is not reflected.\n\n11. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$44000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681i Failure to reinvestigate disputed information o Narrative : Account reflects multiple late payments without any notice to me. XXXX failed to respond to dispute with documentation. \nInaccurate Hard Inquiries XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX o Issue : Unverified inquiries o Violation : FCRA 1681b Permissible purpose required o Narrative : These inquiries were made without my consent and I have no existing relationship with some of these institutions at the time of inquiry.\n\nRequested Relief I respectfully request the Consumer Financial Protection Bureau to : 1. Conduct a full investigation into Experians failure to comply with federal consumer protection laws.\n\n2. Compel Experian to remove or correct the following : o All inaccurate and unverifiable late payments, charge-offs, and inquiries. \no The incorrect address ( XXXX XXXX XXXX XXXX, XXXX, AZ ). \nXXXX. Ensure Experian provides full documentation or deletes unverifiable items under FCRA 1681i ( a ) ( 5 ) ( A ).\n\n4. Sanction Experian for willful and negligent violations under FCRA 1681n and 1681o.","date_sent_to_company":"2025-06-23T20:58:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"238XX","tags":null,"has_narrative":true,"complaint_id":"14236881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-23T20:55:27.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> against Experian for gross and continued violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, due to inaccurate <em>information</em> being <em>reported</em> on my <em>credit</em> file, including inaccurate accounts, misreported late payments, charge-offs, and an address I have never resided at."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.777826,"14236881"]},{"_index":"complaint-public-v1","_id":"21563113","_score":17.380722,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"CFPB Complaint Narrative Company : LoanMart ( XXXX LoanMart ) Issue : Incorrect information on your report / Account status is incorrect Description : I am filing this complaint against LoanMart for reporting inaccurate, contradictory, and damaging information on my credit report for Account XXXX XXXX XXXX XXXX. \nThere are three major violations occurring here : Contradictory Reporting : My credit report lists this account as a \" Collection/Chargeoff '' with a past-due balance of {$13000.00}. However, the \" Consumer Statement '' and \" Comments '' section on the same report explicitly state : \" ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. '' If the account was assumed by another party, I am no longer the responsible debtor and the balance should be reported as {$0.00} or deleted entirely. \nFailure to Provide 1099-C : Despite reporting the balance as a \" loss '' and a \" chargeoff, '' the creditor has failed to issue me IRS Form 1099-C ( Cancellation of Debt ). If they are claiming this debt is a loss for tax purposes, they are legally required to provide me with that documentation.\n\nFCRA Violation : By acknowledging in the comments that the account is no longer mine, yet still reporting a five-figure derogatory balance against my name, the furnisher is failing to report accurate data under the Fair Credit Reporting Act. This is keeping my credit score suppressed and preventing me from financial progress.","date_sent_to_company":"2026-04-24T13:21:35.000Z","issue":"Incorrect information on your report","sub_product":"Title loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"21563113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WHEELS FINANCIAL GROUP, LLC.","date_received":"2026-04-24T13:15:33.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> Company : LoanMart ( XXXX LoanMart ) <em>Issue</em> : <em>Incorrect</em> <em>information</em> on your <em>report</em> / Account status is <em>incorrect</em> Description : I am filing this <em>complaint</em> against LoanMart for <em>reporting</em> inaccurate, contradictory, and damaging <em>information</em> on my <em>credit</em> <em>report</em> for Account XXXX XXXX XXXX XXXX. \nThere are three major violations occurring here : Contradictory <em>Reporting</em> : My <em>credit</em> <em>report</em> lists this account as a \" Collection/Chargeoff '' with a past-due balance of {$13000.00}."],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[17.380722,"21563113"]},{"_index":"complaint-public-v1","_id":"19233219","_score":17.186483,"_source":{"product":"Debt collection","complaint_what_happened":"Issue Incorrect information furnished to credit bureaus Complaint narrative to XXXX American Express furnished information to credit reporting agencies following settlement of this account that resulted in inaccurate and inconsistent reporting. \n\nThe account was settled in full and closed in XX/XX/year>. Despite this, credit reports reflect a {$77.00} balance updated XX/XX/year>. American Express later denied reporting this balance, creating a direct conflict between furnished data and reporting results. \n\nThis inconsistency demonstrates failure to ensure accuracy and failure to correct information after notice. Furnishing data that results in a reported balance on a settled and closed account violates federal credit reporting obligations. \n\nI am requesting CFPB review and enforcement requiring American Express to instruct all credit reporting agencies to delete this tradeline or permanently correct it to XXXX balance and closed status, and to cease furnishing conflicting data. \n\nAttachments to include XXXX confirmation letters Proof of payment XXXX screenshot showing {$77.00} balance American Express CFPB response letter","date_sent_to_company":"2026-02-04T05:54:33.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"32168","tags":"Servicemember","has_narrative":true,"complaint_id":"19233219","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-02-04T05:49:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Issue</em> <em>Incorrect</em> <em>information</em> furnished to <em>credit</em> bureaus <em>Complaint</em> <em>narrative</em> to XXXX American Express furnished <em>information</em> to <em>credit</em> <em>reporting</em> agencies following settlement of this account that resulted in inaccurate and inconsistent <em>reporting</em>. \n\nThe account was settled in full and closed in XX/XX/year>. Despite this, <em>credit</em> <em>reports</em> reflect a {$77.00} balance updated XX/XX/year>."],"sub_product":["<em>Credit</em> card debt"]},"sort":[17.186483,"19233219"]},{"_index":"complaint-public-v1","_id":"18397538","_score":17.137774,"_source":{"product":"Debt collection","complaint_what_happened":"Product : Loan or line of credit Issue : Incorrect information on credit report Complaint Narrative I am disputing inaccurate credit reporting by Fortiva Retail Credit related to a XXXX XXXX XXXX XXXX loan. I cancelled my XXXX service in writing via certified letter on XX/XX/year>. XXXX failed to process the cancellation, failed to retrieve equipment despite multiple requests, and continued providing service. XXXX has now confirmed the cancellation in writing. \n\nI contacted Fortiva by telephone to explain the dispute and was told to resolve it with XXXX. Despite the ongoing dispute and merchant non-performance, Fortiva reported late payments for XXXX, XXXX, and XX/XX/year>. \n\nThese late payments are inaccurate and violate the Fair Credit Reporting Act because the underlying transaction was disputed and unresolved due to the merchants failure to act. \n\nI am requesting : Removal or correction of the reported late payments Proper investigation of the dispute Written confirmation of the outcome","date_sent_to_company":"2025-12-31T22:17:04.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"30127","tags":"Older American","has_narrative":true,"complaint_id":"18397538","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2025-12-31T21:43:49.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Product : Loan or line of <em>credit</em> <em>Issue</em> : <em>Incorrect</em> <em>information</em> on <em>credit</em> <em>report</em> <em>Complaint</em> <em>Narrative</em> I am disputing inaccurate <em>credit</em> <em>reporting</em> by Fortiva Retail <em>Credit</em> related to a XXXX XXXX XXXX XXXX loan. I cancelled my XXXX service in writing via certified letter on XX/XX/year>. XXXX failed to process the cancellation, failed to retrieve equipment despite multiple requests, and continued providing service. XXXX has now confirmed the cancellation in writing."],"sub_product":["<em>Credit</em> card debt"]},"sort":[17.137774,"18397538"]},{"_index":"complaint-public-v1","_id":"14248476","_score":16.998064,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company being complained about : XXXX  XXXX XXXX Issue : Incorrect information on your credit report Consumer complaint narrative : I am formally requesting the removal or correction of the following account ( s ) listed on my credit report provided by XXXX  : XXXX, XXXX Account ending in XXXX : This account was paid in full on XX/XX/year>, but is still being reported as charged-off. I request that it be properly updated or removed entirely. \n\nPortfolio Recovery Associates : A debt buyer reporting an account without providing legal documentation to validate the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I request removal unless full validation is produced. \n\nXXXX XXXX XXXX  : This company has not provided proper validation of the debt, including original contract, proof of ownership and itemized account history. I request full validation or immediate removal.","date_sent_to_company":"2025-06-25T07:34:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"922XX","tags":null,"has_narrative":true,"complaint_id":"14248476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-06-25T07:34:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Company being complained about : XXXX  XXXX XXXX <em>Issue</em> : <em>Incorrect</em> <em>information</em> on your <em>credit</em> <em>report</em> Consumer <em>complaint</em> <em>narrative</em> : I am formally requesting the removal or correction of the following account ( s ) listed on my <em>credit</em> <em>report</em> provided by XXXX  : XXXX, XXXX Account ending in XXXX : This account was paid in full on XX/XX/year>, but is still being <em>reported</em> as charged-off. I request that it be properly updated or removed entirely."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[16.998064,"14248476"]},{"_index":"complaint-public-v1","_id":"14248475","_score":16.925714,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company being complained about : XXXX XXXX XXXX Issue : Incorrect information on your credit report Consumer complaint narrative : I am formally requesting the removal or correction of the following account ( s ) listed on my credit report provided by XXXX  : XXXX, XXXX Account ending in XXXX : This account was paid in full on XX/XX/2025, but is still being reported as charged-off. I request that it be properly updated or removed entirely. \n\nXXXX XXXX XXXX : A debt buyer reporting an account without providing legal documentation to validate the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I request removal unless full validation is produced. \n\nCavalry Portfolio Services : This company has not provided proper validation of the debt, including original contract, proof of ownership and itemized account history. I request full validation or immediate removal.","date_sent_to_company":"2025-06-25T07:34:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"922XX","tags":null,"has_narrative":true,"complaint_id":"14248475","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAVALRY INVESTMENTS, LLC","date_received":"2025-06-25T07:34:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Company being complained about : XXXX XXXX XXXX <em>Issue</em> : <em>Incorrect</em> <em>information</em> on your <em>credit</em> <em>report</em> Consumer <em>complaint</em> <em>narrative</em> : I am formally requesting the removal or correction of the following account ( s ) listed on my <em>credit</em> <em>report</em> provided by XXXX  : XXXX, XXXX Account ending in XXXX : This account was paid in full on XX/XX/2025, but is still being <em>reported</em> as charged-off. I request that it be properly updated or removed entirely."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[16.925714,"14248475"]},{"_index":"complaint-public-v1","_id":"14248757","_score":16.90996,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company being complained about : XXXX XXXXXXXX XXXX Issue : Incorrect information on your credit report Consumer complaint narrative : I am formally requesting the removal or correction of the following account ( XXXX ) listed on my credit report provided by XXXX : EMVLP , LLC Account ending in XXXX : This account was paid in full on XX/XX/scrub> 2025, but is still being reported as charged-off. I request that it be properly updated or removed entirely. \n\nXXXX XXXX XXXX : A debt buyer reporting an account without providing legal documentation to validate the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I request removal unless full validation is produced. \n\nXXXX XXXX XXXX : This company has not provided proper validation of the debt, including original contract, proof of ownership and itemized account history. I request full validation or immediate removal.","date_sent_to_company":"2025-06-25T07:34:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"922XX","tags":null,"has_narrative":true,"complaint_id":"14248757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SF VAGO, LLC","date_received":"2025-06-25T07:01:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Company being complained about : XXXX XXXXXXXX XXXX <em>Issue</em> : <em>Incorrect</em> <em>information</em> on your <em>credit</em> <em>report</em> Consumer <em>complaint</em> <em>narrative</em> : I am formally requesting the removal or correction of the following account ( XXXX ) listed on my <em>credit</em> <em>report</em> provided by XXXX : EMVLP , LLC Account ending in XXXX : This account was paid in full on XX/XX/scrub> 2025, but is still being <em>reported</em> as charged-off. I request that it be properly updated or removed entirely."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[16.90996,"14248757"]},{"_index":"complaint-public-v1","_id":"21716234","_score":16.832664,"_source":{"product":"Debt collection","complaint_what_happened":"Company complained about : XXXX  Product : Debt collection/Credit Reporting Issue : Incorrect information on my report/Problem with investigation/Attempts to collect debt not owed Complaint narrative : I am submitting this complaint because inaccurate and/ or incomplete information remains on my consusmer report after multiple written disputes. I disputed the account with XXXX  on XXXX, and XX/XX/year>. I also contacted the furnisher, Spring Oaks Capital LLC, XX/XX/year>. \n\nUnder the Fair Credit Reporting Act, consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes inaccurate or incomplete information, and furnishers must investigate disputes forwarded to them and correct or delete inaccurate, incomplete, or unverifiable information. The responses I received did not address my specific dispute or provide documentation proving the account is reporting accurately. \n\nI am requesting that the company complete a proper investigation, provide documentation supporting that reporting, correct all inaccurate fields, and delete the account if it can not be verified as complete and accurate. I have supporting documents, dispute letters, certified mail receipts, and bureau responses available for review. \n\nRequested resolution : Delete or correct the inaccurate reporting and provide written confirmation.","date_sent_to_company":"2026-04-29T18:07:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"775XX","tags":null,"has_narrative":true,"complaint_id":"21716234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2026-04-29T18:03:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Company complained about : XXXX  Product : Debt collection/<em>Credit</em> <em>Reporting</em> <em>Issue</em> : <em>Incorrect</em> <em>information</em> on my <em>report</em>/Problem with investigation/Attempts to collect debt not owed <em>Complaint</em> <em>narrative</em> : I am submitting this <em>complaint</em> because inaccurate and/ or incomplete <em>information</em> remains on my consusmer <em>report</em> after multiple written disputes. I disputed the account with XXXX  on XXXX, and XX/XX/year>. I also contacted the furnisher, Spring Oaks Capital LLC, XX/XX/year>."]},"sort":[16.832664,"21716234"]},{"_index":"complaint-public-v1","_id":"21715935","_score":16.76711,"_source":{"product":"Debt collection","complaint_what_happened":"Company complained about : XXXX  Product : Debt collection/Credit Reporting Issue : Incorrect information on my report/Problem with investigation/Attempts to collect debt not owed Complaint narrative : I am submitting this complaint because inaccurate and/ or incomplete information remains on my consusmer report after multiple written disputes. I disputed the account with XXXX on XXXX, and XX/XX/year>. I also contacted the furnisher, Ability Recovery Services LLC, XX/XX/year>. \n\nUnder the Fair Credit Reporting Act, consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes inaccurate or incomplete information, and furnishers must investigate disputes forwarded to them and correct or delete inaccurate, incomplete, or unverifiable information. The responses I received did not address my specific dispute or provide documentation proving the account is reporting accurately. \n\nI am requesting that the company complete a proper investigation, provide documentation supporting that reporting, correct all inaccurate fields, and delete the account if it can not be verified as complete and accurate. I have supporting documents, dispute letters, certified mail receipts, and bureau responses available for review. \n\nRequested resolution : Delete or correct the inaccurate reporting and provide written confirmation.","date_sent_to_company":"2026-04-29T18:00:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"775XX","tags":null,"has_narrative":true,"complaint_id":"21715935","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ability Recovery Services, LLC","date_received":"2026-04-29T17:54:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Company complained about : XXXX  Product : Debt collection/<em>Credit</em> <em>Reporting</em> <em>Issue</em> : <em>Incorrect</em> <em>information</em> on my <em>report</em>/Problem with investigation/Attempts to collect debt not owed <em>Complaint</em> <em>narrative</em> : I am submitting this <em>complaint</em> because inaccurate and/ or incomplete <em>information</em> remains on my consusmer <em>report</em> after multiple written disputes. I disputed the account with XXXX on XXXX, and XX/XX/year>. I also contacted the furnisher, Ability Recovery Services LLC, XX/XX/year>."]},"sort":[16.76711,"21715935"]},{"_index":"complaint-public-v1","_id":"16230326","_score":16.598671,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue Category : Credit reporting Incorrect information on your report Company : TransUnion LLC Complaint Narrative ( paste into CFPB form ) : I am filing this complaint against TransUnion for continuing to report fraudulent and inaccurate derogatory information on my consumer credit report. \n\nI was directly affected by the recent TransUnion data breach, during which my personal and financial information was compromised. As a result, unauthorized, inaccurate, and unverifiable derogatory remarks now appear on my credit file. These entries are damaging my creditworthiness and causing me financial harm. \nDespite my formal written dispute, TransUnion has failed to immediately remove or correct these derogatory items. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, TransUnion must conduct a reasonable reinvestigation and delete information that can not be verified. Further, 1681e ( b ) requires TransUnion to maintain maximum possible accuracy, which is impossible given their recent security failure and inability to safeguard consumer data.\n\nAdditionally, pursuant to UCC 3-501, I have demanded strict validation of any contracts or lawful assignments proving I authorized these accounts. No such proof has been provided.","date_sent_to_company":"2025-09-28T15:30:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20716","tags":null,"has_narrative":true,"complaint_id":"16230326","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-28T15:19:59.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Issue</em> Category : <em>Credit</em> <em>reporting</em> <em>Incorrect</em> <em>information</em> on your <em>report</em> Company : TransUnion LLC <em>Complaint</em> <em>Narrative</em> ( paste into CFPB form ) : I am filing this <em>complaint</em> against TransUnion for continuing to <em>report</em> fraudulent and inaccurate derogatory <em>information</em> on my consumer <em>credit</em> <em>report</em>. \n\nI was directly affected by the recent TransUnion data breach, during which my personal and financial <em>information</em> was compromised."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.598671,"16230326"]},{"_index":"complaint-public-v1","_id":"12858211","_score":16.201103,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Incorrect information on credit report Account information is incorrect Consumer Complaint Narrative : I am filing this complaint to address Equifaxs failure to properly investigate and remove fraudulent student loan accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). \n\nI submitted all required documentation, including FTC Identity Theft Affidavit # XXXX, and previously filed a CFPB complaint ( # XXXX ) on XX/XX/XXXX. Despite this, Equifax failed to process the dispute under FCRA 605B and has not provided the method of its investigation as required by FCRA 611 ( 15 U.S.C. 1681i ). \n\nSupervisors at Equifax informed me that my dispute was treated as a regular dispute due to the lack of page numbers on the affidavityet nowhere in the FCRA does it state that an affidavit must contain page numbers to be valid. Equifax is hiding behind policy rather than following the law. \n\nThese accounts are the result of identity theft, as documented in my FTC Criminal Complaint, and include collections, late payments, and charge-offs that have seriously damaged my credit. \n\nI am demanding the immediate deletion of the following fraudulent accounts : Equifax XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX Equifax XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX Equifax XXXX XXXX XXXX Account XXXX XXXX, opened XX/XX/XXXX Equifax XXXX XXXX XXXX Account XXXX XXXX, opened XX/XX/XXXX Equifaxs actions are in violation of federal law, and I request the CFPB enforce compliance with the FCRA, including the required removal of fraudulent information within four business days.","date_sent_to_company":"2025-04-07T17:49:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"12858211","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-07T17:42:12.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Issue</em> : <em>Incorrect</em> <em>information</em> on <em>credit</em> <em>report</em> Account <em>information</em> is <em>incorrect</em> Consumer <em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> to address Equifaxs failure to properly investigate and remove fraudulent student loan accounts from my <em>credit</em> <em>report</em> in accordance with the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ). \n\nI submitted all required documentation, including FTC Identity Theft Affidavit # XXXX, and previously filed a CFPB <em>complaint</em> ( # XXXX ) on XX/XX/XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.201103,"12858211"]},{"_index":"complaint-public-v1","_id":"2081687","_score":15.989932,"_source":{"product":"Credit card","complaint_what_happened":"A complaint - # XXXX was filed regarding American Express Gold Delta SkyMiles card - American Express used incorrect data provided by Experian to determine APR. \nAmerican Express Gold Delta SkyMiles responded to complaint stating that they had resolved the matter by offering a gesture of good will : 1. American Express issued a {$30.00} statement credit - I can not verify this information. \n2. American Express XXXX Delta SkyMiles - AE has not allocated XXXX Delta Skymiles they stated in letter XXXX XXXX, 2016 in response to my complaint # identified above ( and narrative below ) The former issues was ... \nDelta Skymiles American Express credit card, which I applied for and awarded, was awarded at 17.49 APRate instead of 15.49 APR. American Express stated on XX/XX/2016, my XXXX score was XXXX based on a report from XXXX. On XXXX/XXXX/2016, I ran my credit report for all XXXX credit reporting agencies ( 4 days apart ) and my XXXX scores were : XXXX XXXX ( excellent ), XXXX XXXX ( excellent ), XXXX XXXX ( excellent ). This is a XXXX point difference in the XXXX XXXX score in 4 days. When I explained to Am Express that XXXX out the XXXX issues were incorrect and incomplete - they would not resolve the issue. And XXXX, when contacted, was not willing to make ensure my credit card was complete and accurate ( separate complaint has been filed on XXXX ). Issue one - said no record of installment loan ( car loans are evident and on file - XXXX and XXXX XXXX ) but my mortgage info is not listed on XXXX.Second, said too short of time with early accounts - have had 28 years of credit. Third issue - do not pay accounts as agreed - I pay all accounts as agreed. AM Express based its APR decision on inaccurate and incomplete information. \nXXXX Issue APR or interest rate If you lost money, how much money did you lose? {$0.00} Have you done any of these things to try to resolve this issue? \nContacted the company directly DESIRED RESOLUTION","date_sent_to_company":"2016-08-25T23:15:57.000Z","issue":"Credit card protection / Debt protection","sub_product":null,"zip_code":"27511","tags":null,"has_narrative":true,"complaint_id":"2081687","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2016-08-25T23:15:56.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["A <em>complaint</em> - # XXXX was filed regarding American Express Gold Delta SkyMiles card - American Express used <em>incorrect</em> data provided by Experian to determine APR. \nAmerican Express Gold Delta SkyMiles responded to <em>complaint</em> stating that they had resolved the matter by offering a gesture of good will : 1. American Express <em>issued</em> a {$30.00} statement <em>credit</em> - I can not verify this <em>information</em>. \n2."],"product":["<em>Credit</em> card"],"issue":["<em>Credit</em> card protection / Debt protection"]},"sort":[15.989932,"2081687"]},{"_index":"complaint-public-v1","_id":"14838199","_score":15.821452,"_source":{"product":"Credit card","complaint_what_happened":"Company : Security Credit Services Issue : Incorrect information on credit report Account Status : Unknown / No knowledge of account Consumers Narrative : I am filing this complaint against Security Credit Services for reporting an account on my credit report that I have no knowledge of. I have never received any valid documentation verifying this alleged debt. \n\nI have disputed this account multiple times with the credit reporting agencies and with Security Credit Services directly. In each instance, I requested verification of the debt, including a detailed breakdown and proof that I am the responsible party. To date, they have failed to provide any proper verification. \n\nAccording to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide validation of the debt upon request. Since they have not done so, and I continue to have no knowledge or recollection of the debt, I am requesting that the CFPB take appropriate action to investigate this matter and require Security Credit Services to remove the account from my credit report immediately.\n\nThis inaccurate reporting is negatively affecting my credit score and causing undue stress. I respectfully request assistance in resolving this matter as soon as possible.","date_sent_to_company":"2025-07-23T18:30:31.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"98366","tags":null,"has_narrative":true,"complaint_id":"14838199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2025-07-23T18:19:38.000Z","state":"WA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Company : Security <em>Credit</em> Services <em>Issue</em> : <em>Incorrect</em> <em>information</em> on <em>credit</em> <em>report</em> Account Status : Unknown / No knowledge of account Consumers <em>Narrative</em> : I am filing this <em>complaint</em> against Security <em>Credit</em> Services for <em>reporting</em> an account on my <em>credit</em> <em>report</em> that I have no knowledge of. I have never received any valid documentation verifying this alleged debt. \n\nI have disputed this account multiple times with the <em>credit</em> <em>reporting</em> agencies and with Security <em>Credit</em> Services directly."],"product":["<em>Credit</em> card"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"company":["Security <em>Credit</em> Services, LLC"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[15.821452,"14838199"]},{"_index":"complaint-public-v1","_id":"15981518","_score":15.82055,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Company : DigniFi Product : Auto Loan / Vehicle Financing Issue : Incorrect information on credit report / failure to address extenuating circumstances Complaint Narrative : I am filing this complaint because DigniFi has reported late payments on my account ( # XXXX ) for XXXX and XXXX - possibly XX/XX/XXXX. I am not disputing the accuracy of their records but requesting a goodwill adjustment due to extenuating circumstances. \n\nUntil XX/XX/XXXX, I consistently received monthly text and email payment reminders from DigniFi. After that date, those notifications stopped. Around the same time, I received a fraudulent call impersonating DigniFi, during which I believed I had arranged assistance for my account. I later discovered this was a scam. \n\nOnce I realized what had happened, I took immediate steps to bring my account current. Despite explaining these circumstances to DigniFi, their response did not address the issues raised ( the stopped notifications and the fraudulent call ). Instead, they cited account history from XXXX, which is irrelevant to the XXXX late payment reporting. \n\nThe negative reporting has severely impacted my credit score. I am requesting that the CFPB assist in reviewing DigniFis handling of my goodwill request and whether their communication practices contributed to the reporting issue. \n\nDesired Resolution : I am respectfully requesting a goodwill adjustment by DigniFi to remove the late payment marks reported in XXXX and XX/XX/XXXX.","date_sent_to_company":"2025-09-16T20:03:46.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"43607","tags":null,"has_narrative":true,"complaint_id":"15981518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DigniFi","date_received":"2025-09-16T19:38:19.000Z","state":"OH","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Company : DigniFi Product : Auto Loan / Vehicle Financing <em>Issue</em> : <em>Incorrect</em> <em>information</em> on <em>credit</em> <em>report</em> / failure to address extenuating circumstances <em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> because DigniFi has <em>reported</em> late payments on my account ( # XXXX ) for XXXX and XXXX - possibly XX/XX/XXXX. I am not disputing the accuracy of their records but requesting a goodwill adjustment due to extenuating circumstances."]},"sort":[15.82055,"15981518"]},{"_index":"complaint-public-v1","_id":"20506657","_score":15.808398,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB XXXX XXXX XXXX / Debt Collection Issue Consumer Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Company Information Company Name : Monterrey Collection Account Number : XXXX Issue Incorrect information on credit report / Debt is not mine Complaint Narrative I am filing this complaint regarding a collection account reported by Monterrey Collection that does not belong to me.\n\nI have no knowledge of this account, and I have never entered into any agreement or contract with this company. This account has been placed on my credit report without proper validation or verification.\n\nAdditionally, I was never properly notified via mail prior to this account being reported, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA 1692g ). I did not receive any written notice containing the required disclosures, including the amount of the debt or the identity of the original creditor.\n\nThis matter also raises serious concerns under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ). Under FCRA 611, I have the right to dispute inaccurate or unverifiable information. Reporting an account without proper documentation, verification, or consumer notification is non-compliant.\n\nFurthermore, under FCRA 1681s-2 ( a ), furnishers of information are required to report accurate and complete information. Monterrey Collection has failed to provide any proof that I am legally responsible for this alleged debt.\n\nTo date, I have not been provided with : A signed contract Proof of debt ownership or assignment A full payment history Proof of proper written notification This lack of documentation strongly indicates that the account is inaccurate, unverified, or improperly reported.","date_sent_to_company":"2026-03-23T16:26:32.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"78634","tags":null,"has_narrative":true,"complaint_id":"20506657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Monterey Financial Services LLC","date_received":"2026-03-23T16:19:31.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["CFPB XXXX XXXX XXXX / Debt Collection <em>Issue</em> Consumer <em>Information</em> Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Company <em>Information</em> Company Name : Monterrey Collection Account Number : XXXX <em>Issue</em> <em>Incorrect</em> <em>information</em> on <em>credit</em> <em>report</em> / Debt is not mine <em>Complaint</em> <em>Narrative</em> I am filing this <em>complaint</em> regarding a collection account <em>reported</em> by Monterrey Collection that does not belong to me."]},"sort":[15.808398,"20506657"]},{"_index":"complaint-public-v1","_id":"21857788","_score":15.743702,"_source":{"product":"Debt collection","complaint_what_happened":"Issue : Incorrect information on my credit report Companies : XXXX XXXX XXXX  Complaint Narrative : I am filing a formal complaint against the credit reporting agencies XXXX XXXX XXXX XXXX XXXXor violations of the Fair Credit Reporting Act ( FCRA ). \n\nI have disputed inaccurate and unverified accounts on my credit report multiple times. Despite my disputes, the credit bureaus have continued to report these accounts as verified without providing any evidence or documentation supporting their accuracy. \n\nThe accounts include : Midland Credit Management Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The credit bureaus have failed to comply with their obligations under federal law, including : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification They have not provided : The method of verification The identity of the party who verified the information Any documentation used to verify the accounts Instead, they appear to have relied solely on automated responses from furnishers, which does not meet the legal standard for a reasonable investigation. \n\nThis conduct is causing ongoing harm to my creditworthiness and financial opportunities.","date_sent_to_company":"2026-05-04T17:32:53.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"95204","tags":null,"has_narrative":true,"complaint_id":"21857788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-05-04T17:16:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["<em>Issue</em> : <em>Incorrect</em> <em>information</em> on my <em>credit</em> <em>report</em> Companies : XXXX XXXX XXXX  <em>Complaint</em> <em>Narrative</em> : I am filing a formal <em>complaint</em> against the <em>credit</em> <em>reporting</em> agencies XXXX XXXX XXXX XXXX XXXXor violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ). \n\nI have disputed inaccurate and unverified accounts on my <em>credit</em> <em>report</em> multiple times."],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[15.743702,"21857788"]},{"_index":"complaint-public-v1","_id":"21856984","_score":15.721367,"_source":{"product":"Debt collection","complaint_what_happened":"Issue : Incorrect information on credit report Company : Experian Complaint Narrative : I am filing a formal complaint against the credit reporting agencies Experian , XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ). \n\nI have disputed inaccurate and unverified accounts on my credit report multiple times. Despite my disputes, the credit bureaus have continued to report these accounts as verified without providing any evidence or documentation supporting their accuracy. \n\nThe accounts include : XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX The credit bureaus have failed to comply with their obligations under federal law, including : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification They have not provided : The method of verification The identity of the party who verified the information Any documentation used to verify the accounts Instead, they appear to have relied solely on automated responses from furnishers, which does not meet the legal standard for a reasonable investigation. \n\nThis conduct is causing ongoing harm to my creditworthiness and financial opportunities.","date_sent_to_company":"2026-05-04T17:11:30.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"95204","tags":null,"has_narrative":true,"complaint_id":"21856984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-05-04T16:15:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["<em>Issue</em> : <em>Incorrect</em> <em>information</em> on <em>credit</em> <em>report</em> Company : Experian <em>Complaint</em> <em>Narrative</em> : I am filing a formal <em>complaint</em> against the <em>credit</em> <em>reporting</em> agencies Experian , XXXX XXXX XXXX for violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ). \n\nI have disputed inaccurate and unverified accounts on my <em>credit</em> <em>report</em> multiple times. Despite my disputes, the <em>credit</em> bureaus have continued to <em>report</em> these accounts as verified without providing any evidence or documentation supporting their accuracy."],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> card debt"],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[15.721367,"21856984"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":296,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":296}]}},"product":{"doc_count":296,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":212,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":211},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt 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