{"took":177,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15004126","_score":16.481625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal dispute and demand for reinvestigation and permanent deletion of the XXXX XXXX XXXX tradeline ( Account No. XXXX ) from all three credit reporting agencies Equifax, Experian, and TransUnion due to your continued violation of federal law and industry-standard XXXX XXXX reporting guidelines. This dispute is based on new material evidence : a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, submitted as part of CFPB complaint # XXXX. In that letter, XXXX claims a civil judgment was entered against me on XX/XX/XXXX, yet they fail to provide any docket number, court name, or jurisdiction. I have submitted a XXXX Full File Disclosure dated XX/XX/XXXX, which confirms there is no such judgment in any state or federal court record. XXXX representation is therefore factually false, legally unsupported, and clearly unverifiable under FCRA 1681i ( a ) ( 5 ) ( A ).\n\nTo be clear, the XXXX XXXX XXXX tradeline contains incorrect account information and an inaccurate account status, including false legal claims and improperly coded data. These inaccuracies violate FCRA 1681e ( b ) and multiple provisions of the Metro 2 credit reporting standard, which all three credit bureaus are contractually and operationally bound to enforce.\n\nUnder FCRA 1681e ( b ), credit bureaus are required to ensure maximum possible accuracy in all information reported. That standard can not be met when you rely on a furnisher like XXXX who has failed to substantiate the debt or provide any legitimate legal documentation. Additionally, I have provided all documentation required under FCRA 1681c-2 ( Section 605B ), including my FTC Identity Theft Report ( Ref. No. XXXX ), a valid government-issued ID, proof of address, and a signed identity theft affidavit. You are legally obligated to block and delete identity-theft-related tradelines within four business days, and your continued reporting of this fraudulent account represents willful and negligent noncompliance under FCRA 1681n and 1681o. \n\nThis XXXX tradeline also fails multipl\n\ne Metro 2 field-level compliance rules. It reflects conflicting account status indicators ( e.g., \" closed '' while showing an active balance ), omits required identity theft indicators such as ECOA Code Z and Special Comment Code AA, and includes unsupported legal narrative referencing a judgment without any court data as required. These inconsistencies are violations not just of Metro 2 protocol but of your statutory obligations under the FCRA. This is a new and distinct dispute, supported by new documentary evidence. It is neither frivolous nor duplicative, and you are now on formal notice that your continued reporting of this inaccurate, unverifiable tradeline may constitute reckless disregard for the truth and systemic failure to comply with consumer protection law. \n\nI demand that you immediately delete the XXXX XXXX XXXX tradeline from all three of my credit reports and provide written confirmation of its removal. If this issue is not resolved without delay, I will escalate the matter to CFPB Enforcement, submit complaints to the Federal Trade Commission, and pursue legal remedies as permitted under the FCRA.","date_sent_to_company":"2025-07-31T13:09:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"15004126","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-31T13:09:30.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX ) from all three credit reporting agencies <em>Equifax</em>, <em>Experian</em>, and <em>TransUnion</em> due to your continued violation of federal law and industry-standard XXXX XXXX reporting guidelines. This dispute is based on new material evidence : a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, submitted as part of CFPB <em>complaint</em> # XXXX. In that letter, XXXX claims a civil judgment was entered <em>against</em> me on XX/XX/XXXX, yet they fail to provide any docket number, court name, or jurisdiction."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.481625,"15004126"]},{"_index":"complaint-public-v1","_id":"15004865","_score":16.423746,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal dispute and demand for reinvestigation and permanent deletion of the XXXX XXXX XXXX tradeline ( Account No. XXXX ) from all three credit reporting agencies Equifax, Experian, and TransUnion due to your continued violation of federal law and industry-standard XXXX XXXX reporting guidelines. This dispute is based on new material evidence : a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, submitted as part of CFPB complaint # XXXX. In that letter, XXXX claims a civil judgment was entered against me on XX/XX/XXXX, yet they fail to provide any docket number, court name, or jurisdiction. I have submitted a XXXX Full File Disclosure dated XX/XX/XXXX, which confirms there is no such judgment in any state or federal court record. XXXX representation is therefore factually false, legally unsupported, and clearly unverifiable under FCRA 1681i ( a ) ( 5 ) ( A ).\n\nTo be clear, the XXXX XXXX XXXX tradeline contains incorrect account information and an inaccurate account status, including false legal claims and improperly coded data. These inaccuracies violate FCRA 1681e ( b ) and multiple provisions of the Metro 2 credit reporting standard, which all three credit bureaus are contractually and operationally bound to enforce.\n\nUnder FCRA 1681e ( b ), credit bureaus are required to ensure maximum possible accuracy in all information reported. That standard can not be met when you rely on a furnisher like XXXX who has failed to substantiate the debt or provide any legitimate legal documentation. Additionally, I have provided all documentation required under FCRA 1681c-2 ( Section 605B ), including my FTC Identity Theft Report ( Ref. No. XXXX ), a valid government-issued ID, proof of address, and a signed identity theft affidavit. You are legally obligated to block and delete identity-theft-related tradelines within four business days, and your continued reporting of this fraudulent account represents willful and negligent noncompliance under FCRA 1681n and 1681o. \n\nThis XXXX tradeline also fails multipl\n\ne Metro 2 field-level compliance rules. It reflects conflicting account status indicators ( e.g., \" closed '' while showing an active balance ), omits required identity theft indicators such as ECOA Code Z and Special Comment Code AA, and includes unsupported legal narrative referencing a judgment without any court data as required. These inconsistencies are violations not just of Metro 2 protocol but of your statutory obligations under the FCRA. This is a new and distinct dispute, supported by new documentary evidence. It is neither frivolous nor duplicative, and you are now on formal notice that your continued reporting of this inaccurate, unverifiable tradeline may constitute reckless disregard for the truth and systemic failure to comply with consumer protection law. \n\nI demand that you immediately delete the XXXX XXXX XXXX tradeline from all three of my credit reports and provide written confirmation of its removal. If this issue is not resolved without delay, I will escalate the matter to CFPB Enforcement, submit complaints to the Federal Trade Commission, and pursue legal remedies as permitted under the FCRA.","date_sent_to_company":"2025-07-31T13:10:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"15004865","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-31T12:58:43.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX ) from all three credit reporting agencies <em>Equifax</em>, <em>Experian</em>, and <em>TransUnion</em> due to your continued violation of federal law and industry-standard XXXX XXXX reporting guidelines. This dispute is based on new material evidence : a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, submitted as part of CFPB <em>complaint</em> # XXXX. In that letter, XXXX claims a civil judgment was entered <em>against</em> me on XX/XX/XXXX, yet they fail to provide any docket number, court name, or jurisdiction."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.423746,"15004865"]},{"_index":"complaint-public-v1","_id":"15004125","_score":16.407799,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal dispute and demand for reinvestigation and permanent deletion of the XXXX XXXX XXXX tradeline ( Account No. XXXX ) from all three credit reporting agencies Equifax, Experian, and TransUnion due to your continued violation of federal law and industry-standard XXXX XXXX reporting guidelines. This dispute is based on new material evidence : a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, submitted as part of CFPB complaint # XXXX. In that letter, XXXX claims a civil judgment was entered against me on XX/XX/XXXX, yet they fail to provide any docket number, court name, or jurisdiction. I have submitted a XXXX Full File Disclosure dated XX/XX/XXXX, which confirms there is no such judgment in any state or federal court record. XXXX representation is therefore factually false, legally unsupported, and clearly unverifiable under FCRA 1681i ( a ) ( 5 ) ( A ).\n\nTo be clear, the XXXX XXXX XXXX tradeline contains incorrect account information and an inaccurate account status, including false legal claims and improperly coded data. These inaccuracies violate FCRA 1681e ( b ) and multiple provisions of the Metro 2 credit reporting standard, which all three credit bureaus are contractually and operationally bound to enforce.\n\nUnder FCRA 1681e ( b ), credit bureaus are required to ensure maximum possible accuracy in all information reported. That standard can not be met when you rely on a furnisher like XXXX who has failed to substantiate the debt or provide any legitimate legal documentation. Additionally, I have provided all documentation required under FCRA 1681c-2 ( Section 605B ), including my FTC Identity Theft Report ( Ref. No. XXXX ), a valid government-issued ID, proof of address, and a signed identity theft affidavit. You are legally obligated to block and delete identity-theft-related tradelines within four business days, and your continued reporting of this fraudulent account represents willful and negligent noncompliance under FCRA 1681n and 1681o. \n\nThis XXXX tradeline also fails multipl\n\ne Metro 2 field-level compliance rules. It reflects conflicting account status indicators ( e.g., \" closed '' while showing an active balance ), omits required identity theft indicators such as ECOA Code Z and Special Comment Code AA, and includes unsupported legal narrative referencing a judgment without any court data as required. These inconsistencies are violations not just of Metro 2 protocol but of your statutory obligations under the FCRA. This is a new and distinct dispute, supported by new documentary evidence. It is neither frivolous nor duplicative, and you are now on formal notice that your continued reporting of this inaccurate, unverifiable tradeline may constitute reckless disregard for the truth and systemic failure to comply with consumer protection law. \n\nI demand that you immediately delete the XXXX XXXX XXXX tradeline from all three of my credit reports and provide written confirmation of its removal. If this issue is not resolved without delay, I will escalate the matter to CFPB Enforcement, submit complaints to the Federal Trade Commission, and pursue legal remedies as permitted under the FCRA.","date_sent_to_company":"2025-07-31T13:09:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"15004125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-31T13:09:30.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX ) from all three credit reporting agencies <em>Equifax</em>, <em>Experian</em>, and <em>TransUnion</em> due to your continued violation of federal law and industry-standard XXXX XXXX reporting guidelines. This dispute is based on new material evidence : a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, submitted as part of CFPB <em>complaint</em> # XXXX. In that letter, XXXX claims a civil judgment was entered <em>against</em> me on XX/XX/XXXX, yet they fail to provide any docket number, court name, or jurisdiction."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[16.407799,"15004125"]},{"_index":"complaint-public-v1","_id":"16423816","_score":15.972563,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Escalation Portfolio Recovery Associates ( XXXX ) Continued False Reporting, Failure to Validate, and CFPB Inaction -- - Complaint Narrative : I am filing this new complaint because Portfolio Recovery Associates ( XXXX ) continues to report XXXX alleged XXXX Bank accounts ( ending in XXXX and XXXX ) that are inaccurate, unverified, and unlawfully damaging my credit, despite multiple CFPB complaints and extensive documentation proving they can not validate the debts. \n\nThis is now my fifth complaint regarding these same accounts, which shows an ongoing pattern of noncompliance and disregard for the law. My prior complaint numbers include : # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) In their most recent response ( XX/XX/year> ), XXXX once again failed to provide proper debt XXXX under the Fair Debt Collection Practices Act ( FDCPA, XXXX U.S.C. XXXX ) or comply with their duties under the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ). \n\nXXXX has only provided internal business records and billing statements not : XXXX. A signed contract or original application proving I opened these accounts. \n\n\nXXXX. A complete chain of title showing legal transfer from XXXX XXXX  to XXXX. \n\n\nXXXX. Proof of legal authority to collect or report these debts. \n\n\n\nUnder 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, collection and credit reporting must cease until proper validation is provided. XXXX violated this law by continuing to report unverified accounts. \n\nUnder 15 U.S.C. 1681s-2 ( b ), furnishers must investigate and correct inaccurate or incomplete information when notified by credit bureaus or the CFPB. PRAs repeated refusal to do so is a clear and willful violation of federal law. \n\nPRAs statement that my dispute was untimely is false. I have filed multiple CFPB complaints and disputes throughout 2025 all while the accounts are actively reporting. Their claim is a deceptive attempt to avoid their legal obligations. \n\n\n-- - CFPB Accountability It is unacceptable that the CFPB continues to mark my complaints as closed while the company remains in violation of federal law. This process is supposed to protect consumers, not shield repeat violators. \n\nIf the CFPB continues to close complaints without requiring deletion or compliance, it defeats the entire purpose of having this agency. Consumers like me deserve enforcement and accountability, not form letters and dismissals. \n\nBecause of XXXX ongoing false reporting and the XXXX lack of enforcement, I will be filing a formal complaint with the Texas Attorney XXXX XXXX XXXX XXXX and pursuing legal action under the FDCPA and FCRA. \n\n\n-- - Requested Resolution I demand the following actions : XXXX. Immediate and permanent deletion of both Portfolio Recovery Associates accounts ( ending in 2459 and 3109 ) from all credit bureaus ( Equifax, Experian, and TransUnion ). \n\n\nXXXX. These accounts must never appear on my credit reports again under any name, trade line, or variation. I am requesting that CFPB ensure no reinsertion of these accounts under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\n3. A formal CFPB investigation into Portfolio Recoverys pattern of deceptive reporting and noncompliance. \n\n\nXXXX. Referral to the Federal Trade Commission ( FTC ) and Texas Attorney General for enforcement and penalties against XXXX for repeated violations. \n\n\nXXXX. Written confirmation that XXXX has been instructed to permanently remove these accounts and cease all collection activity. \n\n\n\n\n-- - Summary Portfolio Recovery Associates has repeatedly violated the FDCPA and FCRA through unlawful collection, continued false reporting, and deceptive responses to federal complaints. The CFPBs repeated closure of these complaints without action enables continued harm to consumers. \n\nI expect this matter to be treated as a formal escalation and enforcement request not another routine review. If no corrective action is taken within 30 days, I will proceed with complaints to the Texas Attorney General, Federal Trade Commission, and consumer litigation counsel for damages and injunctive relief.","date_sent_to_company":"2025-10-07T13:59:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"16423816","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-10-07T13:42:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Because of XXXX ongoing false reporting and the XXXX lack of enforcement, I will be <em>filing</em> a formal <em>complaint</em> with the Texas Attorney XXXX XXXX XXXX XXXX and pursuing legal action under the FDCPA and FCRA. \n\n\n-- - Requested Resolution I demand the following actions : XXXX. Immediate and permanent deletion of both Portfolio Recovery Associates accounts ( ending in 2459 and 3109 ) from all credit bureaus ( <em>Equifax</em>, <em>Experian</em>, and <em>TransUnion</em> ). \n\n\nXXXX."]},"sort":[15.972563,"16423816"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4}]}},"product":{"doc_count":4,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1}]}}]}},"issue":{"doc_count":4,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":3}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1}]}}]}},"timely":{"doc_count":4,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":4}]}},"company_response":{"doc_count":4,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":3},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":4,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":4}]}},"company":{"doc_count":4,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1}]}},"state":{"doc_count":4,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"GA","doc_count":3},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":4,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":2}]}},"tags":{"doc_count":4,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}