{"took":224,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":44,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15872443","_score":19.31414,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being filed in reference to prior ticket number XXXX. \n\nThe companys response continues to dodge the issue by hiding behind vague statements such as previously verified, without producing any lawful documentation that proves the accuracy of the disputed account. A consumer credit report is not proof of validation. I am demanding that the company show me the federal law that permits them to substitute a credit report in place of actual documentation ( contracts, statements, or account-level records ). \n\nIf the company can not provide proof of such a law, then this verification is a violation of the Fair Credit Reporting Act. \n\nFurther : if this matter continues to be ignored, I will be filing a Missouri XXXX XXXX request. That request will compel the disclosure of all internal and back-end communications including those between this office, the company, and federal agencies that are being used XXXX XXXX a narrative and stall consumer complaints. Anything the company or this office is attempting to hide will be made public through that process. \n\nI am making it clear : every time the company attempts to sidestep its obligations under the FCRA, I will file additional complaints and continue building my case file. The more this office stalls, the bigger the record becomes and the harder it will be to deny or cover up.","date_sent_to_company":"2025-09-11T19:51:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63368","tags":null,"has_narrative":true,"complaint_id":"15872443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-11T19:43:55.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["That request will compel the disclosure of all internal and back-end communications including those between this office, the company, and federal agencies that are being used XXXX XXXX a narrative and stall consumer complaints. Anything the company or this office is attempting to hide will be made public through that process. \n\nI am making it clear : every time the company attempts to sidestep its obligations under the FCRA, I will file additional complaints and continue building my case file."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[19.31414,"15872443"]},{"_index":"complaint-public-v1","_id":"18253417","_score":16.868103,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Subject : Reopen or Correct Record False Mutual Resolution by Merchant XXXX XXXX ( Zinch ) Complaint ID XXXX addition of deletion/mutilation of complaint records and obstruction of justice by XXXX and NYAG. \n\nThis an update / follow-up on CFPB complaint no. XXXX, with addition of complaint against NYDFS and NYAG for complaint record destruction/mutilation and obstruction of Justice. Please reopen or correct my XX/XX/XXXX complaint ( ID XXXX ). On XX/XX/XXXX the company stated we reached a mutual resolution on XX/XX/XXXX. CFPB then marked the complaint Closed with explanation. That statement is false. \nKey facts : XX/XX/XXXX : Zinchs counsel froze my business bank account and seized {$2900.00}. \nXX/XX/XXXX : My business shut down. There was no agreement and no consent from me. \nXX/XX/XXXX : The company told CFPB the matter was resolved ; the portal shows Closed with explanation. \nI could not rebut immediately due to total financial collapse and a documented XXXX diagnosis following the levy. \nThe dispute continued after XX/XX/XXXX in multiple forums : NYAG referral history, DFPIDFS referral, DFS FOIL and Article 78 proceedings, and a live California appeal. This is not consistent with resolved. \n\nOversight status During parallel FOIL ( XX/XX/XXXX ) and Article XXXX ( XX/XX/XXXX ) proceedings, It was discovered that DFS removed/omitted the narrative content of the DFPI-forwarded complaint from its file. \nVia a XX/XX/XXXX FOIL response, the Office of the Inspector General reported that it forwarded my complaint ( XX/XX/XXXX ) alleging DFS deletion/mutilation of complaint records to XXXX DFS offices and received no responses. This concerns record retention and handling tied to this same matter. \nAfter I filed a Reply ( XX/XX/XXXX ) in the Article 78 matter that documented and cited these record deletions, that Reply went missing from the chambers file of a New York Supreme Court judge, ONLY TO REEMERGE AS A NON CHRONOLOGICAL MISCELLANEOUS FILING, after a well timed Social Media and local campaign.\n\nPLEASE NOTE : CFPB HAS NOT BEEN APPROACHED AS A SUBSTITUTE OF ANY COURT PROCEEDING. It has been approached due to a complete documented failure of state agencies ( DFPI, DFS ) to contain exploitation of the Small Business Industries within their respective states, or even to document the same ( DFS ), despite of active XXXX and agreements with the CFPB, at the time incidents occurred as well as when complaints were initiated. \n\nTHE COMPLAINANT UNDERSTANDS AND WILL UNDERTAKE ALL APPROPRIATE LEGAL ACTIONS. Even in the light of obstruction of justice by New York State Attorney General ( NYAG ) and New York State Department Of Financial Services ( NYDFS ) by coordination to DELETE AND ALTER COMPLAINT RECORDS, complainant is determined to proceed as required legally without any expectation or dependence from any external source, including the CFPB. Complaints sole purpose is to inform and encourage CFPB to act against the breaches on consumer protection in a matter within its jurisdiction. \nRequested action : Given the multi-agency non-responsiveness and record-integrity concerns that have impeded state-level redress, please reopen or annotate the complaint and refer the companys submission to CFPB Supervision/Enforcement and, as appropriate, Federal Agency review.\n\nAttachments Exhibit 1 : FOIL documents showing New York State OIGs five-office forwarding with no responses. \nExhibit 2 : Full DFPI-801 Complaint Form, released via California Public Records Act ( CPRA ) on XX/XX/XXXX ( XXXX ). \nExhibit 3 : Truncated/mutilated version of complaint as produced by DFS, on XX/XX/XXXX FOIL appeal ( FOIL XXXX, XX/XX/XXXX ). Second Page of DFPI-801 Complaint form- with the complaint narrative and legal violation details- removed from the case record.\n\nExhibit 4 : New York State Attorney General ( NYAG ) s XX/XX/XXXX letter initially referring this complaint to CFPB ( File No. XXXX ) DFPI-DFS referral trail and missing complaint.\n\nExhibit 5 : CFPB portal screenshots showing my submission, the companys - false - mutual resolution language, and Closed with explanation status. \nExhibit XXXX : Bank levy proof dated XX/XX/XXXX Contrary to Mutual resolution and XXXX reaching out. \nExhibit 7 : Opposition to DFS/NYAGs Motion to dismiss a related Article 78 petition ( paper filed ) in New York State Supreme Court , XXXX XXXX . It is referenced only for contextual basis. State laws mentioned within, are inapplicable at Federal level. Observe well established 18 U.S.C. 1519 standards. \n\n\nThank you. \n\nXXXX XXXX","date_sent_to_company":"2026-01-20T13:46:40.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"11801","tags":"Servicemember","has_narrative":true,"complaint_id":"18253417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Prisma Capital LLC","date_received":"2025-11-09T06:15:11.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Exhibit 2 : Full DFPI-801 Complaint Form, released via California Public Records Act ( CPRA ) on XX/XX/XXXX ( XXXX ). \nExhibit 3 : Truncated/mutilated version of complaint as produced by DFS, on XX/XX/XXXX FOIL appeal ( FOIL XXXX, XX/XX/XXXX ). Second Page of DFPI-801 Complaint form- with the complaint narrative and legal violation details- removed from the case record."]},"sort":[16.868103,"18253417"]},{"_index":"complaint-public-v1","_id":"2571046","_score":14.380455,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"YOUR COMPLAINT This is my 3rd and final letter, to which I have created a paper trail with signatures proof you have received these letters. ( Letters 1-2 as follows : I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XX/XX/XXXX, that together with your assurance that you will except payment in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ) ATTACHMENTS XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. After a review of your account, we confirmed that you have four Private Signature Select Loans that are currently in default. As of XX/XX/XXXX, the total balance for the loans is {$52000.00}. A private loan is unsubsidized, which means that you are responsible for the interest at all times, beginning on the date the loan is disbursed. Interest that remains unpaid during the time the loan is in School, Grace, and Forbearance status is capitalized ( added to the principal balance ). This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans. Our records reflect that your Private Signature Select Loans defaulted due to non-payment in XX/XX/XXXX. We have requested the assistance in collecting the debt from an outside agency. We are pleased to share that you are eligible for the Reduced Interest Rate Program for the loans. With this program, your monthly payment would be {$250.00}. Once the third qualifying monthly payment posts to your account, the interest rate will be reduced to 0.001 percent and will remain at that rate as long as you continue making the required payments each month. Please understand that the loans will continue to be reported to the consumer reporting agencies as charged off until they are paid in full, at which time, the loans will report as account paid in full, was a charge off. If you are interested in learning more about this option, please contact XXXX XXXX XXXX at XXXX. The Fair Credit Reporting Act requires lenders and servicers, such as XXXX, who report information to the consumer reporting agencies to do so with accuracy. We reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. Given the requirements of this law, XXXX can not honor your request for removal of accurate reporting. The Fair Credit Reporting Act requires lenders and servicers, such as XXXX, who report information to the consumer reporting agencies to do so with accuracy. We have reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. We have updated your credit report to reflect your disputed loans as follows : Completed investigation of FCRA dispute consumer disagrees. This narrative will be reflected on your credit report for each loan you included in your dispute and will be included with our next update to the Consumer Reporting Agencies. If you wish to have this narrative removed from your credit report, please write to us at XXXX. XXXX XXXX, XXXX, PA XXXX. Please include your name, address, account/loan numbers, and indicate that you wish to have the dispute narrative removed from your credit report. Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback In the company response they stated that ( \" This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans '' ) As i have no record of this information being sent to my home so once again im asking. So i ask the CFPB to honor my request that the company in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ( AND TE COMPANY DID NOT PROVIDE THIS ALL HEY PROVIDED WAS A FALSE CLAIM SAYING THEY SENT THIS TO MY HOME WHERE IS THEIR PROOF AND OR SIGNATURES OF THESE LOANS ) Their are so many errors on so many moving parts. I have created the proper paper trail and I have yet to recieve the information i requested to settle this debt if validated ... I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XX/XX/XXXX, that together with your assurance that you will except payment What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from other consumers, helps us make decisions about which issues and companies to investigate. If we take public legal action against the company that involves the issue you complained about, we will let you know. You can see public legal actions on our website. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on that process. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint.","date_sent_to_company":"2017-07-11T18:55:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"2571046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-11T18:55:41.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If we take public legal action against the company that involves the issue you complained about, we will let you know. You can see public legal actions on our website. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on that process."]},"sort":[14.380455,"2571046"]},{"_index":"complaint-public-v1","_id":"2571112","_score":14.320123,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"YOUR COMPLAINT This is my 3rd and final letter, to which I have created a paper trail with signatures proof you have received these letters. ( Letters 1-2 as follows : I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XXXX XXXX 2017 , that together with your assurance that you will except payment in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans. ) ATTACHMENTS XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. After a review of your account, we confirmed that you have four Private Signature Select Loans that are currently in default. As of XX/XX/XXXX , the total balance for the loans is {$52000.00}. A private loan is unsubsidized, which means that you are responsible for the interest at all times, beginning on the date the loan is disbursed. Interest that remains unpaid during the time the loan is in School, XXXX , and Forbearance status is capitalized ( added to the principal balance ). This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans. Our records reflect that your Private Signature Select Loans defaulted due to non-payment in XXXX of XXXX . We have requested the assistance in collecting the debt from an outside agency. We are pleased to share that you are eligible for the Reduced Interest Rate Program for the loans. With this program, your monthly payment would be {$250.00}. Once the third qualifying monthly payment posts to your account, the interest rate will be reduced to 0.001 percent and will remain at that rate as long as you continue making the required payments each month. Please understand that the loans will continue to be reported to the consumer reporting agencies as charged off until they are paid in full, at which time, the loans will report as account paid in full, was a charge off. If you are interested in learning more about this option, please contact XXXX XXXX XXXX at XXXX . The Fair Credit Reporting Act requires lenders and servicers, such as XXXX , who report information to the consumer reporting agencies to do so with accuracy. We reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. Given the requirements of this law, XXXX can not honor your request for removal of accurate reporting. The Fair Credit Reporting Act requires lenders and servicers, such as XXXX , who report information to the consumer reporting agencies to do so with accuracy. We have reviewed your account and determined the information we have reported to the consumer reporting agencies is correct. We have updated your credit report to reflect your disputed loans as follows : Completed investigation of FCRA dispute consumer disagrees. This narrative will be reflected on your credit report for each loan you included in your dispute and will be included with our next update to the Consumer Reporting Agencies. If you wish to have this narrative removed from your credit report, please write to us at XXXX . XXXX XXXX , XXXX , PA XXXX . Please include your name, address, account/loan numbers, and indicate that you wish to have the dispute narrative removed from your credit report. Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback In the company response they stated that ( \" This information was provided in your Promissory Notes. Additionally, the Disclosure Statements that were sent to you when your loans were disbursed explained the total cost of applying for the loans '' ) As i have no record of this information being sent to my home so once again im asking. So i ask the CFPB to honor my request that the company in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy, not some statement of charges not some disbursement date that I took out loans . ( AND TE COMPANY DID NOT PROVIDE THIS ALL HEY PROVIDED WAS A FALSE CLAIM SAYING THEY SENT THIS TO MY HOME WHERE IS THEIR PROOF AND OR SIGNATURES OF THESE LOANS ) Their are so many errors on so many moving parts. I have created the proper paper trail and I have yet to recieve the information i requested to settle this debt if validated ... I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XX/XX/XXXX , that together with your assurance that you will except payment What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from other consumers, helps us make decisions about which issues and companies to investigate. If we take public legal action against the company that involves the issue you complained about, we will let you know. You can see public legal actions on our website. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on that process. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint.","date_sent_to_company":"2017-07-11T18:55:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"2571112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-11T18:55:41.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If we take public legal action against the company that involves the issue you complained about, we will let you know. You can see public legal actions on our website. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on that process."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[14.320123,"2571112"]},{"_index":"complaint-public-v1","_id":"18461719","_score":13.962091,"_source":{"product":"Mortgage","complaint_what_happened":"CFPB Complaint Narrative I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ongoing violations of mortgage servicing laws, including failure to properly respond to statutory requests, improper debt collection, escrow accounting errors, recording irregularities, and violations oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nBetween XX/XX/XXXX, and XX/XX/XXXX, I submitted multiple Notices of Error ( NOE ), Requests for Information ( RFI ), and Qualified Written Requests ( QWR ) pursuant to RESPA and Regulation X. These requests sought correction of servicing and escrow errors, verification of balances, production of complete loan and escrow histories, and chain-of-title documentation. \nSPS repeatedly misclassified my requests as hardship or loss mitigation inquiries, which I did not request, thereby evading their obligation to provide proper servicing responses. SPS issued duplicative responses, including a XX/XX/XXXX letter identical to a prior response uploaded on XX/XX/XXXX, failing to conduct a good-faith investigation. \nThe XX/XX/XXXX letter contains a critical inconsistency : it states the next payment due date as XX/XX/XXXX, yet demands proof of insurance for a lapse from XXXX XXXX XXXX. This contradiction renders the disclosures unreliable and incomplete, as SPS failed to provide full escrow disbursement and calculation histories. \nEscrow analyses allege shortages without reconciling known payment misapplications and improper charges dating back to XXXX, mirroring misconduct by prior servicers. The analysis does not reconcile prior misapplications, suspense balances, or improper charges, consistent with similar misconduct by prior servicers XXXXXXXX XXXX and XXXX XXXX XXXXXXXX. Despite these unresolved issues, SPS demands payment exceeding {$14000.00}, threatening late fees effective XX/XX/XXXX, without verifying the principal balance or providing a full payment history. This constitutes improper debt collection during an active statutory dispute. \nI do not consent to the loan assignment to SPS dated XX/XX/XXXX. That assignment was recorded publicly without honoring my ACP protections, despite SPS having prior notice. I received a county fraud alert the same day the unredacted assignment was recorded, before SPS mailed it to me.\n\nDue to SPSs continued noncompliance, I escalated the matter to the investor level and filed a complaint with XXXX XXXX. I have received no communication from the identified investors, and the only documentation I possess consists of publicly recorded assignments obtained independently. \nI request that SPS be required to : Properly process and respond to all statutory requests ; Provide a complete loan and escrow accounting from origination to present ; Verify and itemize the unpaid principal balance ; Produce full chain-of-title documentation ; Cease collection, fees, and adverse credit reporting on disputed amounts ; Fully comply with ACP requirements ; Provide proof of continuous insurance coverage and lender-placed insurance details ; Correct all accounting and reporting errors for full compliance with federal law.\n\nSPSs conduct has caused ongoing harm and regulatory violations. I reserve all rights and remedies under law","date_sent_to_company":"2026-01-05T07:44:06.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"18461719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2026-01-05T07:29:18.000Z","state":"FL","company_public_response":null,"sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["That assignment was recorded publicly without honoring my ACP protections, despite SPS having prior notice. I received a county fraud alert the same day the unredacted assignment was recorded, before SPS mailed it to me.\n\nDue to SPSs continued noncompliance, I escalated the matter to the investor level and filed a complaint with XXXX XXXX."]},"sort":[13.962091,"18461719"]},{"_index":"complaint-public-v1","_id":"15736754","_score":12.135973,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal protections have been repeatedly violated by the inaccurate, incomplete, and misleading reporting of the following accounts and public records. These inaccurate entries are causing me severe harm in the form of credit denials, higher interest rates, financial stress, and reputational damage. I am requesting immediate investigation, correction, and removal of the following items. \nXXXX XXXX XXXX XXXX * * Date XXXX Balance : {$1400.00} Late Payment * * ISSUE : This account is inaccurately reporting late payments. The FCRA requires maximum possible accuracy under 15 U.S.C. 1681e ( b ). I have maintained consistent payments, and any claimed late entry is either an error, misapplied payment, or system glitch. Reporting false late payments severely damages my creditworthiness and gives a misleading representation of my payment history.STORY : At the time these alleged lates were reported, I had already communicated with the creditor regarding payment arrangements due to temporary hardship. Instead of honoring this arrangement, they proceeded to report lates. This not only violates my rights under FCRA but also conflicts with the duty of furnishers under 15 U.S.C. 1681s-2 ( a ) to report accurate and fair information. The mental and financial stress caused by this misreporting has affected my ability to secure loans and opportunities. \nXXXX XXXXXXXX XXXX * * Date XXXX Balance : {$100.00} Charge Off * * ISSUE : This charge-off is inaccurate and unverifiable. Under 15 U.S.C. 1681i, the credit bureau must delete accounts that can not be verified. The reporting creditor has failed to validate the alleged debt with complete records. A {$100.00} balance being charged off is unreasonable and inconsistent with industry practice, suggesting reporting abuse or data entry error.STORY : I contacted XXXX multiple times to resolve the matter and was never provided proof of default or original documentation. Instead, the account was reported as a charge-off which continues to unfairly harm me. This inaccurate entry makes it look as though I abandoned debt responsibility, when in fact, the creditor failed to provide validation. This creates a misleading narrative in my credit file, causing undue hardship. \nXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX * * Date XXXX Balance : {$480.00} Collection * * ISSUE : This account is reported as a collection but is inaccurate and duplicative. XXXX XXXX is known for attempting to collect on unverifiable debts. Under 15 U.S.C. 1692g ( FDCPA ) and FCRA 1681i, they must provide complete validation of debt, which they have failed to do. Additionally, the balance reported is not consistent with the alleged original account.STORY : I have disputed this account several times, yet no proper validation or chain of assignment has been shown to prove that XXXX XXXX legally owns or has the right to collect this debt. Instead, the account remains reported, misleading creditors into thinking I owe when in fact, the debt can not be verified. The psychological and financial impact of this false reporting is significant, as it prevents me from rebuilding my financial stability. \nChapter XXXX Bankruptcy XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy ISSUE : These bankruptcy entries are duplicative and misleading. Only one accurate record should appear, not multiple conflicting versions. Reporting multiple entries for the same bankruptcy violates FCRA 1681c ( a ), which prohibits obsolete or duplicate negative information.STORY : I filed only one bankruptcy case, yet the bureaus are reporting it multiple times under different variations of court names and references. This inflates the negative effect on my credit and misrepresents the true record. This has unfairly caused lenders to view me as a repeat bankruptcy filer, which is false. The repeated and inconsistent entries have created severe reputational and financial harm. \nIn summary, the accounts and public records listed above are being reported inaccurately, incompletely, or in duplicate, violating my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I am requesting that the CFPB take immediate action to enforce compliance, require proper verification of each account, and remove any account or public record that can not be fully validated as accurate, complete, and legally reportable. The continued inaccurate reporting of these items is causing ongoing financial harm, credit denials, higher costs of borrowing, and severe emotional distress.","date_sent_to_company":"2025-09-05T20:26:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"611XX","tags":null,"has_narrative":true,"complaint_id":"15736754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-05T20:21:40.000Z","state":"IL","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 submitting this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal protections have been repeatedly violated by the inaccurate, incomplete, and misleading reporting of the following accounts and public records. These inaccurate entries are causing me severe harm in the form of credit denials, higher interest rates, financial stress, and reputational damage."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[12.135973,"15736754"]},{"_index":"complaint-public-v1","_id":"17239114","_score":11.488162,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint concerns serious issues regarding the accuracy, verification, and reporting practices associated with the Chapter XXXX bankruptcy public record, Ref : XXXX, that appears on my consumer credit reports. I am filing this complaint because the way this Chapter XXXX bankruptcy is being reported is inaccurate, misleading, and not verifiable according to the requirements set forth by the Fair Credit Reporting Act ( FCRA ). Additionally, the credit reporting agencies have failed to provide the legally required method of verification when I disputed the reporting, and the information appears to have been sourced from unreliable third-party vendors rather than the actual bankruptcy court. \n\nThe purpose of this narrative is to describe clearly and completely what happened, outline the steps I took to address the issue, identify the failures of the credit reporting agencies, and demonstrate why the reporting of this Chapter XXXX bankruptcy is unlawful and requires correction or deletion. My goal is not to dispute the existence of a prior Chapter XXXX filing, but rather to ensure that what appears on my credit report is : XXXX. Accurate XXXX. Court-verified XXXX. Legally sourced XXXX. Up-to-date XXXX. Reported in compliance with the FCRA Because this bankruptcy entry does not meet these standards and can not be verified using original court documents, its continued reporting constitutes a violation of federal law. \n\nXXXX. How I Discovered the Problem While reviewing my credit reports, I noticed that a Chapter XXXX bankruptcy, Ref : XXXX, was listed. However, from the very beginning, the listing appeared problematic : The date associated with the case was inconsistent across different credit bureaus. \n\nSome details were missing or incomplete. \n\nThe bureaus did not provide any original source information. \n\nThere was no indication that the bankruptcy court had been contacted. \n\nThe information did not match the official public record format I obtained from the court system. \n\nThese inconsistencies led me to question not the existence of the case itself, but the accuracy and verification of how the case was reported on my credit profile. \n\nXXXX. Courts Do NOT Report Bankruptcy Information to Credit Bureaus A critical fact in this situation is that bankruptcy courts do not furnish or verify bankruptcy information to credit reporting agencies. Federal courts, including bankruptcy courts, have repeatedly confirmed : They do not send consumer data to Equifax, XXXX, or XXXX. \n\nThey do not verify bankruptcy information for reinvestigations. \n\nThey do not participate in private credit reporting systems. \n\nThey do not approve or certify third-party vendors to transmit their records. \n\nThis means that anything the credit bureaus claim to have verified did not come directly from the court. Instead, bureaus rely on third-party data collectorscompanies that scrape or compile public information from PACER or other electronic court databases. These companies : Are not the original source Are not legally authorized court agents Are not regulated for consumer reporting accuracy Are prone to transcription errors, incomplete filings, and outdated updates Can not validate or certify accuracy for disputes Because the bureaus used these third-party sources instead of directly reviewing original court documents, the bankruptcy record is not verified in a legally acceptable manner. \n\nXXXX. I Disputed the Bankruptcy With All Three Credit Bureaus After discovering these issues, I exercised my rights under FCRA 611 ( a ) and disputed the bankruptcy entry with all three major consumer reporting agencies. In my written disputes, I specifically requested : The method of verification The name of the furnisher or entity that supplied the data The original source of the information Copies of the documents used for verification A full description of the procedures used during the reinvestigation The public record information used to confirm the listing These requests are rights guaranteed under FCRA 609 and 611. \n\nXXXX. The Bureaus Returned Generic Verified as Accurate Responses Despite the detailed and legally supported dispute, each bureau responded with nearly the same language : We have verified the information and it will remain on your credit file. \n\nHowever, the bureaus failed to : Provide a method of verification Provide documentation Identify the source Provide the procedures used Provide a copy of the public record Provide any indication the court was contacted These responses make clear that the reinvestigation was not reasonable, as required under the FCRA, and that the bureaus relied on automated systems rather than original legal documents. \n\nXXXX. The Reinvestigation Was Conducted Using Automated Data Instead of Human Review Most credit bureaus rely on XXXX-party vendors such as XXXX to collect bankruptcy data. These vendors send information electronically, which the bureaus treat as the verified source. This is not a true verification. \n\nA reasonable reinvestigation requires : Reviewing original bankruptcy court filings Verifying dates directly with PACER or through certified documents Ensuring the accuracy of docket numbers Confirming the case disposition/status Ensuring the public record matches bureau reporting fields None of these steps were taken.\n\nInstead : The verification returned instantly No human investigator examined records No official court documents were reviewed No cross-checking of dates occurred No verification of case status happened This does not meet the FCRA 's standard for reasonable procedures. \n\nXXXX. The Bankruptcy Reporting Contains Inaccuracies Across Bureaus A major concern is that the Chapter XXXX bankruptcy ( Ref : XXXX ) is not reported consistently across all bureaus. I identified the following issues : Different filing dates Different dismissal dates Different reference formatting Missing information in some bureau reports Different update timestamps Inconsistent status descriptions Under FCRA 607 ( b ), the bureaus must assure maximum possible accuracy. Inconsistent reporting violates this requirement because a public record should match exactly across all bureaus if it is accurate and verified. \n\nXXXX. No Evidence Provided That the Bankruptcy Is Within the Legal Reporting Period Under the FCRA : A Chapter XXXX bankruptcy may remain for XXXX years from the date of filing. \n\nIf the date of filing is incorrect, the reporting period is incorrect. \n\nBecause the bureaus failed to provide documentation, it is impossible to confirm whether : The date being used is the filing date The bureaus are actually using the dismissal date The bureaus used inaccurate date information from their vendor If the wrong date is used, the bankruptcy may already be expired or beyond the legal reporting period, making it unlawful to continue reporting it. \n\nXXXX. Failure to Comply With FCRA Method-of-Verification Laws Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), when a consumer requests the method of verification : The bureau must provide it Within XXXX days In writing With full procedural details None of the bureaus provided this, despite my explicit request. Without the method of verification, the bankruptcy is legally classified as unverifiable, which requires deletion under 611 ( a ) ( 5 ) ( A ). \n\nXXXX. Information From Third-Party Vendors Is Not Legally Sufficient The bureaus rely on systems such as : XXXX XXXX XXXX scraping tools CoreLogic Other data warehouses These entities do not : Provide certified public records Provide official court documents Guarantee accuracy Verify case status Confirm dates Serve as the original source Because the credit bureaus rely solely on these XXXX-party sourcesand the vendors themselves are not validating the informationthe bankruptcy can not be said to be verified under the FCRA. \n\nXXXX. Harm Caused by This Inaccurate Bankruptcy Reporting The incorrect and unverifiable reporting of the Chapter XXXX bankruptcy has caused : Significant drops in credit scores Denial of financing and credit applications Higher interest rates on loans Limited access to housing opportunities Negative effects on employment opportunities Increased insurance premiums Ongoing reputational harm Emotional and financial distress Reduced credit limits Difficulty rebuilding credit Because bankruptcy is XXXX of the most damaging items on a credit file, reporting it without verification has caused and continues to cause substantial harm. \n\nXXXX Credit Bureaus Failed to Use Reasonable Procedures The FCRA requires consumer reporting agencies to ensure that all public record information is : Accurate Current Complete Verified through reliable sources Instead, the bureaus used : Automated database matches Bulk public record downloads Outdated or incomplete data No human review No court-verified documents This violates the FCRA mandate to maintain reasonable procedures. \n\nXXXX. Summary of FCRA Violations in This Case Based on the facts, the following FCRA sections were violated : FCRA 607 ( b ) Failure to assure maximum possible accuracy.\n\nFCRA 611 ( a ) Failure to conduct a reasonable reinvestigation.\n\nFCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification.\n\nFCRA 609 ( a ) ( 1 ) ( A ) Failure to provide the sources of information.\n\nFCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information.\n\nFCRA 611 ( d ) Failure to notify past users of corrected information. \n\nThese failures demonstrate that the reporting of the Chapter XXXX bankruptcy is not supported by lawful procedures. \n\nXXXX. Conclusion In conclusion, the reporting of the Chapter XXXX Bankruptcy, Ref : XXXX, is inaccurate, unverifiable, inconsistent, and not sourced from the original legal authority. The credit bureaus failed to : Contact the bankruptcy court Review original documents Provide method-of-verification details Use reasonable reinvestigation procedures Maintain maximum possible accuracy Because the bankruptcy can not be verified according to federal law, its continued reporting is unlawful and harmful. \n\nI respectfully request that the Consumer Financial Protection Bureau review this matter, require proper verification procedures, and ensure that the credit bureaus correct or delete the bankruptcy if it can not be fully validated with official court documents.","date_sent_to_company":"2025-11-14T02:39:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"17239114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-14T02:33:04.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This complaint concerns serious issues regarding the accuracy, verification, and reporting practices associated with the Chapter XXXX bankruptcy public record, Ref : XXXX, that appears on my consumer credit reports. I am filing this complaint because the way this Chapter XXXX bankruptcy is being reported is inaccurate, misleading, and not verifiable according to the requirements set forth by the Fair Credit Reporting Act ( FCRA )."]},"sort":[11.488162,"17239114"]},{"_index":"complaint-public-v1","_id":"17213928","_score":11.469037,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint concerns serious issues regarding the accuracy, verification, and reporting practices associated with the Chapter XXXX bankruptcy public record, Ref : XXXX, that appears on my consumer credit reports. I am filing this complaint because the way this Chapter XXXX bankruptcy is being reported is inaccurate, misleading, and not verifiable according to the requirements set forth by the Fair Credit Reporting Act ( FCRA ). Additionally, the credit reporting agencies have failed to provide the legally required method of verification when I disputed the reporting, and the information appears to have been sourced from unreliable third-party vendors rather than the actual bankruptcy court. \n\nThe purpose of this narrative is to describe clearly and completely what happened, outline the steps I took to address the issue, identify the failures of the credit reporting agencies, and demonstrate why the reporting of this Chapter XXXX bankruptcy is unlawful and requires correction or deletion. My goal is not to dispute the existence of a prior Chapter XXXX filing, but rather to ensure that what appears on my credit report is : XXXX. Accurate XXXX. Court-verified XXXX. Legally sourced XXXX. Up-to-date XXXX. Reported in compliance with the FCRA Because this bankruptcy entry does not meet these standards and can not be verified using original court documents, its continued reporting constitutes a violation of federal law. \n\nXXXX. How I Discovered the Problem While reviewing my credit reports, I noticed that a Chapter XXXX bankruptcy, Ref : XXXX, was listed. However, from the very beginning, the listing appeared problematic : The date associated with the case was inconsistent across different credit bureaus. \n\nSome details were missing or incomplete. \n\nThe bureaus did not provide any original source information. \n\nThere was no indication that the bankruptcy court had been contacted. \n\nThe information did not match the official public record format I obtained from the court system. \n\nThese inconsistencies led me to question not the existence of the case itself, but the accuracy and verification of how the case was reported on my credit profile. \n\nXXXX. Courts Do NOT Report Bankruptcy Information to Credit Bureaus A critical fact in this situation is that bankruptcy courts do not furnish or verify bankruptcy information to credit reporting agencies. Federal courts, including bankruptcy courts, have repeatedly confirmed : They do not send consumer data to Equifax, Experian, or TransUnion. \n\nThey do not verify bankruptcy information for reinvestigations. \n\nThey do not participate in private credit reporting systems. \n\nThey do not approve or certify third-party vendors to transmit their records. \n\nThis means that anything the credit bureaus claim to have verified did not come directly from the court. Instead, bureaus rely on third-party data collectorscompanies that scrape or compile public information from PACER or other electronic court databases. These companies : Are not the original source Are not legally authorized court agents Are not regulated for consumer reporting accuracy Are prone to transcription errors, incomplete filings, and outdated updates Can not validate or certify accuracy for disputes Because the bureaus used these third-party sources instead of directly reviewing original court documents, the bankruptcy record is not verified in a legally acceptable manner. \n\nXXXX. I Disputed the Bankruptcy With All Three Credit Bureaus After discovering these issues, I exercised my rights under FCRA 611 ( a ) and disputed the bankruptcy entry with all three major consumer reporting agencies. In my written disputes, I specifically requested : The method of verification The name of the furnisher or entity that supplied the data The original source of the information Copies of the documents used for verification A full description of the procedures used during the reinvestigation The public record information used to confirm the listing These requests are rights guaranteed under FCRA 609 and 611. \n\nXXXX. The Bureaus Returned Generic Verified as Accurate Responses Despite the detailed and legally supported dispute, each bureau responded with nearly the same language : We have verified the information and it will remain on your credit file. \n\nHowever, the bureaus failed to : Provide a method of verification Provide documentation Identify the source Provide the procedures used Provide a copy of the public record Provide any indication the court was contacted These responses make clear that the reinvestigation was not reasonable, as required under the FCRA, and that the bureaus relied on automated systems rather than original legal documents. \n\nXXXX. The Reinvestigation Was Conducted Using Automated Data Instead of Human Review Most credit bureaus rely on third-party vendors such as XXXX to collect bankruptcy data. These vendors send information electronically, which the bureaus treat as the verified source. This is not a true verification. \n\nA reasonable reinvestigation requires : Reviewing original bankruptcy court filings Verifying dates directly with XXXX or through certified documents Ensuring the accuracy of docket numbers Confirming the case disposition/status Ensuring the public record matches bureau reporting fields None of these steps were taken.\n\nInstead : The verification returned instantly No human investigator examined records No official court documents were reviewed No cross-checking of dates occurred No verification of case status happened This does not meet the FCRA 's standard for reasonable procedures. \n\nXXXX. The Bankruptcy Reporting Contains Inaccuracies Across Bureaus A major concern is that the Chapter XXXX bankruptcy ( Ref : XXXX ) is not reported consistently across all bureaus. I identified the following issues : Different filing dates Different dismissal dates Different reference formatting Missing information in some bureau reports Different update timestamps Inconsistent status descriptions Under FCRA 607 ( b ), the bureaus must assure maximum possible accuracy. Inconsistent reporting violates this requirement because a public record should match exactly across all bureaus if it is accurate and verified. \n\nXXXX. No Evidence Provided That the Bankruptcy Is Within the Legal Reporting Period Under the FCRA : A Chapter XXXX bankruptcy may remain for XXXX years from the date of filing. \n\nIf the date of filing is incorrect, the reporting period is incorrect. \n\nBecause the bureaus failed to provide documentation, it is impossible to confirm whether : The date being used is the filing date The bureaus are actually using the dismissal date The bureaus used inaccurate date information from their vendor If the wrong date is used, the bankruptcy may already be expired or beyond the legal reporting period, making it unlawful to continue reporting it. \n\nXXXX. Failure to Comply With FCRA Method-of-Verification Laws Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), when a consumer requests the method of verification : The bureau must provide it Within XXXX days In writing With full procedural details None of the bureaus provided this, despite my explicit request. Without the method of verification, the bankruptcy is legally classified as unverifiable, which requires deletion under 611 ( a ) ( 5 ) ( A ). \n\nXXXX. Information From XXXX-Party Vendors Is Not Legally Sufficient The bureaus rely on systems such as : XXXX XXXX XXXX scraping tools CoreLogic Other data warehouses These entities do not : Provide certified public records Provide official court documents Guarantee accuracy Verify case status Confirm dates Serve as the original source Because the credit bureaus rely solely on these XXXX-party sourcesand the vendors themselves are not validating the informationthe bankruptcy can not be said to be verified under the FCRA. \n\nXXXX. Harm Caused by This Inaccurate Bankruptcy Reporting The incorrect and unverifiable reporting of the Chapter XXXX bankruptcy has caused : Significant drops in credit scores Denial of financing and credit applications Higher interest rates on loans Limited access to housing opportunities Negative effects on employment opportunities Increased insurance premiums Ongoing reputational harm Emotional and financial distress Reduced credit limits Difficulty rebuilding credit Because bankruptcy is XXXX of the most damaging items on a credit file, reporting it without verification has caused and continues to cause substantial harm. \n\nXXXX Credit Bureaus Failed to Use Reasonable Procedures The FCRA requires consumer reporting agencies to ensure that all public record information is : Accurate Current Complete Verified through reliable sources Instead, the bureaus used : Automated database matches Bulk public record downloads Outdated or incomplete data No human review No court-verified documents This violates the FCRA mandate to maintain reasonable procedures. \n\nXXXX. Summary of FCRA Violations in This Case Based on the facts, the following FCRA sections were violated : FCRA 607 ( b ) Failure to assure maximum possible accuracy. \n\nFCRA 611 ( a ) Failure to conduct a reasonable reinvestigation.\n\nFCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification.\n\nFCRA 609 ( a ) ( 1 ) ( A ) Failure to provide the sources of information.\n\nFCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information.\n\nFCRA 611 ( d ) Failure to notify past users of corrected information. \n\nThese failures demonstrate that the reporting of the Chapter XXXX bankruptcy is not supported by lawful procedures. \n\nXXXX. Conclusion In conclusion, the reporting of the Chapter XXXX Bankruptcy, Ref : XXXX, is inaccurate, unverifiable, inconsistent, and not sourced from the original legal authority. The credit bureaus failed to : Contact the bankruptcy court Review original documents Provide method-of-verification details Use reasonable reinvestigation procedures Maintain maximum possible accuracy Because the bankruptcy can not be verified according to federal law, its continued reporting is unlawful and harmful. \n\nI respectfully request that the Consumer Financial Protection Bureau review this matter, require proper verification procedures, and ensure that the credit bureaus correct or delete the bankruptcy if it can not be fully validated with official court documents.","date_sent_to_company":"2025-11-14T02:51:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"17213928","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-14T02:44:30.000Z","state":"MO","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":["This complaint concerns serious issues regarding the accuracy, verification, and reporting practices associated with the Chapter XXXX bankruptcy public record, Ref : XXXX, that appears on my consumer credit reports. I am filing this complaint because the way this Chapter XXXX bankruptcy is being reported is inaccurate, misleading, and not verifiable according to the requirements set forth by the Fair Credit Reporting Act ( FCRA )."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[11.469037,"17213928"]},{"_index":"complaint-public-v1","_id":"18880880","_score":11.328531,"_source":{"product":"Debt collection","complaint_what_happened":"The information reported is inaccurate and/or incomplete. Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards, credit reporting agencies are required to ensure that all information is accurate, complete, and properly reported.\n\nI respectfully request that you investigate this item, verify it with the furnisher, and correct or remove it from my credit report as required by law. \n\n\n\nPlease send me a written response confirming the outcome of your investigation. I have enclosed copies of supporting documentation where applicable. \n\n\n\nThank you for your prompt attention to this matter. \n\n\n\nSincerely, XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Prepared For XXXX XXXX XXXX XXXX generated : XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nInquiries XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX Prepared For XXXX XXXX XXXX generated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX \nInquiries XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX Prepared For XXXX XXXX XXXX generated : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX : XXXX Page 21 of 30 15 U.S. Code 1681i I closed copies of 3 reports and its different on each one. Please fix it. All XXXX credit reports should say the same thing why XXXX they reporting the same thing? Experience data breach dispute letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Data Breach Dispute Unauthorized and Unverifiable Credit Information To Whom It May Concern, I am formally disputing inaccurate, unauthorized, and unverifiable information appearing on my consumer credit report as a result of a data breach involving my personal identifying information.\n\nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to ensure maximum possible accuracy and lawful reporting. Due to the compromise of my personal data, I dispute any accounts, inquiries, balances, collections, or public records that I did not expressly authorize.\n\nI demand that you conduct a lawful reinvestigation pursuant to 15 U.S.C. 1681i and delete any information that can not be verified with original creditor documentation, including a signed agreement or proof of lawful data acquisition.\n\nFailure to comply within 30 days may result in complaints filed with the CFPB, my State Attorney General, or pursuit of legal remedies. \nSincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Data Breach Dispute Unauthorized and Unverifiable Credit Information To Whom It May Concern, I am formally disputing inaccurate, unauthorized, and unverifiable information appearing on my consumer credit report as a result of a data breach involving my personal identifying information.\n\nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to ensure maximum possible accuracy and lawful reporting. Due to the compromise of my personal data, I dispute any accounts, inquiries, balances, collections, or public records that I did not expressly authorize. \nI demand that you conduct a lawful reinvestigation pursuant to 15 U.S.C. 1681i and delete any information that can not be verified with original creditor documentation, including a signed agreement or proof of lawful data acquisition.\n\nFailure to comply within 30 days may result in complaints filed with the CFPB, my State Attorney General, or pursuit of legal remedies. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Data Breach Dispute Unauthorized and Unverifiable Credit Information To Whom It May Concern, I am formally disputing inaccurate, unauthorized, and unverifiable information appearing on my consumer credit report as a result of a data breach involving my personal identifying information.\n\nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to ensure maximum possible accuracy and lawful reporting. Due to the compromise of my personal data, I dispute any accounts, inquiries, balances, collections, or public records that I did not expressly authorize.\n\nI demand that you conduct a lawful reinvestigation pursuant to 15 U.S.C. 1681i and delete any information that can not be verified with original creditor documentation, including a signed agreement or proof of lawful data acquisition.\n\nFailure to comply within 30 days may result in complaints filed with the CFPB, my State Attorney General, or pursuit of legal remedies. \nSincerely, XXXX XXXX XXXX CFPB COMPLAINT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. \n\nComplaint Narrative : I am filing this complaint against XXXX XXXXXXXX XXXX XXXX XXXX for failure to maintain maximum possible accuracy of my consumer credit file and for continuing to report unauthorized, inaccurate, and unverifiable information after my personal identifying information was compromised in a data breach. \n\nMy identifying information is as follows : Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Due to the exposure of my personal data, I formally disputed all accounts, inquiries, and data on my Experian credit report that were not expressly authorized by me. Experian failed to provide strict proof of authorization, including signed contracts or original creditor documentation, yet continues to report this information.\n\nThis conduct violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy 15 U.S.C. 1681i failure to conduct a lawful reinvestigation 15 U.S.C. 1681b impermissible reporting without valid authorization I am requesting that Experian immediately delete any inaccurate, unverifiable, or unauthorized information from my credit file and provide written confirmation along with an updated credit report. Continued reporting of compromised data causes ongoing financial and reputational harm.\n\nCFPB COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Narrative : I am submitting this complaint against XXXX XXXXXXXX XXXX XXXX for failure to correct and delete inaccurate, unauthorized, and unverifiable credit information that appears on my consumer report following a compromise of my personal data. \n\nMy personal identifying information includes : Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX has continued to report accounts and data that I did not authorize and that can not be validated with original documentation. Despite receiving dispute notices, Equifax has failed to demonstrate lawful acquisition, chain of custody, or permissible purpose for reporting this information. \nThis constitutes violations of the Fair Credit Reporting Act, including : Failure to ensure accuracy under 15 U.S.C. 1681e ( b ) Failure to properly reinvestigate under 15 U.S.C. 1681i Reporting without permissible purpose under 15 U.S.C. 1681b I am requesting immediate deletion of all unauthorized or unverifiable data and written confirmation of compliance. XXXX continued inaction is causing ongoing harm and exposes them to liability for willful noncompliance. \n\n\n\nCFPB COMPLAINT TRANSUNION Company : XXXX XXXXXXXX Complaint Narrative : I am filing this complaint against XXXX XXXXXXXX for reporting inaccurate and unauthorized information on my consumer credit report after my personal identifying information was compromised in a data breach. \n\nMy identifying details are : Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX TransUnion has failed to provide competent evidence that the information it reports was lawfully obtained or authorized by me. No original signed contracts, applications, or proof of permissible purpose have been produced. Despite this, TransUnion continues to publish the disputed data.\n\nThis violates the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ) accuracy requirements 15 U.S.C. 1681i reinvestigation duties 15 U.S.C. 1681s-2 responsibilities related to disputed information I am requesting immediate deletion of all inaccurate and unauthorized entries, written confirmation of the corrections, and a complete updated credit report. Continued reporting of compromised data is harmful and unlawful","date_sent_to_company":"2026-01-21T03:59:59.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"10460","tags":null,"has_narrative":true,"complaint_id":"18880880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNRISE CREDIT SERVICES, INC","date_received":"2026-01-21T03:27:39.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Thank you for your prompt attention to this matter."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[11.328531,"18880880"]},{"_index":"complaint-public-v1","_id":"18556790","_score":11.061783,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative I am submitting this complaint against Equifax Inc. and Equifax XXXX XXXX, XXXX for failure to maintain maximum possible accuracy, failure to properly reinvestigate disputes, improper reporting of mixed-file information, and failure to correct or delete unverifiable data on both my personal consumer credit file and my business credit file, in violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). \n\nDespite my formal written disputes and submission of supporting documentation, Equifax continues to report inaccurate, inconsistent, and unverifiable information, including incorrect personal identifiers, unauthorized addresses, inconsistent bankruptcy reporting, and an invalid public record/judgment on my business credit file. \n\nConsumer Information Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX ONLY authorized address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, GA XXXX Equifax is reporting multiple outdated, duplicate, or unauthorized addresses, which I have never authorized and which directly contribute to mixed-file and identity theft issues. \n\nPersonal Credit Disputes Equifax is reporting inaccurate and improperly displayed personal data, including : Name variations and aliases that do not belong to me Unauthorized and obsolete addresses Phone numbers that are not mine Employer information that is inaccurate or unverified I have demanded deletion of all incorrect personal identifiers and retention of ONLY my authorized address listed above. Equifax has failed to comply. \n\nXXXX XXXX Bankruptcy Inconsistent & Unverifiable Reporting Equifax is reporting a XXXX XXXX bankruptcy inconsistently across credit bureaus, making the information unverifiable : XXXX reports : Filed XX/XX/XXXX Ref # XXXX XXXX reports : Filed XX/XX/XXXX Ref # XXXX Equifax reports : Filed XX/XX/XXXX Ref # XXXX All report a {$0.00} liability, yet Equifax has failed to provide court-certified documentation or proper verification. \n\nThis violates : FCRA 607 ( b ) Maximum possible accuracy FCRA 609 ( a ) Right to source disclosure FCRA 611 ( a ) Reinvestigation obligations FCRA 611 ( a ) ( XXXX ) Reinsertion standards I provided an FTC Identity Theft Report ( Ref # XXXX ) and a Police Report ( Case # XXXX ). Equifax has failed to properly investigate or delete unverifiable information. \n\nBusiness Credit File XXXX XXXXXXXX XXXX XXXX XXXX Business Name : XXXX XXXX XXXX XXXX XXXXXXXX Entity Type : XXXX XXXX ( Last 4 ) : XXXX ONLY authorized business address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, GA XXXX Authorized Officer : XXXX XXXX Equifax is reporting incorrect business identity data and an invalid civil judgment. \n\nInaccurate Civil Judgment / Public Record Equifax reports the following judgment on my business credit file : Judgment Number : XXXX Judgment Date : XX/XX/XXXX Court : XXXX XXXX Supreme Court Reported Filer : XXXX XXXX XXXX XXXX Amount : {$150000.00} This judgment is not valid as reported, is unverifiable, and does not reflect a lawful or enforceable obligation of my business. \n\nEquifax has failed to provide : Court-certified filing documentation Proof of EIN or business identity match Proof of an executed agreement or obligation Verification source and date Reporting this without proper verification violates FCRA 607 ( b ) and 611.\n\nSecurity Freeze Failure Due to documented identity theft and mixed-file activity, I formally requested security freezes on both my personal and business credit files under 15 U.S.C. 605A & 605B.\n\nEquifax has failed to properly confirm : Placement of the freezes Provision of a PIN or secure method to lift the freeze Application of the freeze to downstream products, including Equifax XXXX XXXX and XXXX feeds Harm Caused Equifaxs failures have : Damaged my personal and business creditworthiness Interfered with business banking and lending eligibility Created ongoing identity theft and mixed-file risks Delayed business funding and compliance matters","date_sent_to_company":"2026-01-08T14:25:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"18556790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-01-08T04:58:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Complaint Narrative I am submitting this complaint against Equifax Inc. and Equifax XXXX XXXX, XXXX for failure to maintain maximum possible accuracy, failure to properly reinvestigate disputes, improper reporting of mixed-file information, and failure to correct or delete unverifiable data on both my personal consumer credit file and my business credit file, in violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA )."]},"sort":[11.061783,"18556790"]},{"_index":"complaint-public-v1","_id":"13692716","_score":11.015148,"_source":{"product":"Mortgage","complaint_what_happened":"Narrative Rebuttal CFPB Complaint # XXXX Submitted by : XXXX XXXX XXXX XXXXDate : XX/XX/XXXX, XXXXCFPB Complaint Number : XXXX My name is XXXX XXXX XXXX XXXX , and I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran, rated by the U.S. Department of Veterans Affairs . I reside in XXXX, Mississippi, and I have held a VA-backed mortgage through M & T Bank since XXXX. Over the past two years, I have taken every possible stepwithin and beyond the systemto seek help through authorized federal relief programs. In return, I have faced indifference, selective assistance, and ultimately, denial of my rights as a protected veteran borrower. \n\nIn XXXX, I received assistance through the Mississippi Homeowner Assistance Fund ( HAF ). M & T Bank, fully aware of my hardship, participated in this process, helped validate my application, and ultimately accepted over {$49000.00} in public taxpayer funds to bring my loan current and cover several months of mortgage payments. This proved M & T knew I was in financial distress, knew the nature of my XXXX, and had the administrative infrastructure to handle federal mortgage relief programs. \n\nWhen the VA Servicing Purchase ( VASP ) program was launched in XXXXa federal program designed as a last-resort home retention option for veterans like meI promptly contacted M & T Bank . I informed them of the program, confirmed my eligibility with the VA, and asked that my loan be reviewed under VASP. The VA explicitly told me that only my loan servicer could initiate the VASP process. I relayed that to M & T Bank, but they told me they were unfamiliar with the program and would look into it. Despite multiple follow-ups, they never submitted the request. I was denied access not because I was ineligiblebut because my servicer chose not to act. \n\nOn XX/XX/XXXX, the VASP program closed to new applicants. Because of M & T Banks inaction, I was permanently excluded from the one program designed specifically for veterans in my situationthose facing long-term hardship with no way to resume full payments. This was not an oversight. It was a business decision. \n\nM & T Banks XX/XX/XXXX response to my CFPB complaint fails to address any of this. They omit all mention of VASP, misrepresent the waterfall process mandated by the VA, and continue to describe my situation as a temporary hardshipeven though they know I am XXXX XXXX XXXX XXXX XXXX and awaiting a Social Security XXXX hearing. They fall back on offering me another short-term forbearance, which only delays the problem and adds to my financial instability. \n\nWorse, they deny any wrongdoing, provide no documentation showing that VASP was even considered, and continue to report my mortgage negatively to credit bureaus despite the use of federal assistance funds to reinstate my account. \n\nI respectfully request that the Consumer Financial Protection Bureau : Reopen this complaint and conduct a full investigation, Compel M & T Bank to produce all internal servicing notes, including any records of communications regarding VASP, XXXX classification decisions, and any internal servicing waterfall evaluations, Compel production of any recorded customer service calls related to my hardship requests and VASP inquiries, from XXXX through present, Refer this matter to the VA Loan Guaranty Service and VA Office of Inspector General for further investigation into whether VA-backed loan servicing obligations were violated. \n\nAs a XXXX veteran, I have upheld my obligations. I am asking the CFPB and VA to uphold theirs. \n\nRespectfully, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MS XXXXVA Loan # : XXXXM & T Loan # : XXXX","date_sent_to_company":"2025-05-23T21:48:56.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"39532","tags":"Servicemember","has_narrative":true,"complaint_id":"13692716","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2025-05-23T21:43:43.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["I respectfully request that the Consumer Financial Protection Bureau : Reopen this complaint and conduct a full investigation, Compel M & T Bank to produce all internal servicing notes, including any records of communications regarding VASP, XXXX classification decisions, and any internal servicing waterfall evaluations, Compel production of any recorded customer service calls related to my hardship requests and VASP inquiries, from XXXX through present, Refer this matter to the VA Loan Guaranty"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[11.015148,"13692716"]},{"_index":"complaint-public-v1","_id":"14372339","_score":10.758393,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Disclosure : As a consumer fully exercising my rights under the Fair Credit Reporting Act, I am documenting each step in preparation for formal legal escalation, if necessary.\n\nClarification : This complaint is separate and distinct from any previously filed complaints against Equifax, Experian, and TransUnion. It addresses new violations and failures, specifically their refusal to provide verification documentation under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ). It is not\nduplicative in subject matter or legal basis. This is not a Re-Dispute. \n\nSubject : Complaint Against Equifax, Experian, and TransUnion for Mishandling of XXXX XXXX XXXX Dispute FCRA Violations 611, 623, and Refusal to Provide Verification Documentation per 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) Narrative : This complaint is directed against Experian, Equifax, and TransUnion for their willful and negligent participation in the continued reporting of an unverified, fabricated, and unauthorized account allegedly owned by XXXX XXXX XXXXXXXX XXXX XXXX, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). \nDespite receiving prior dispute notices, detailed documentation, and verification demands, the CRAs have not permanently deleted this account from my consumer credit file. Instead, they appear to be relying on a materially deficient, deceptive, and non-verifying response from the data furnisher, which fails to meet the statutory requirements of FCRA. \nI have included key annotated excerpts from the response XXXX XXXX XXXX submitted to the CFPB ( Exhibit XXXX ), highlighting specific pages and sections that demonstrate clear violations of the Fair Credit Reporting Act.\n\nThis submission constitutes : A formal FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) verification demand ; A final CFPB complaint against the CRAs ; And a pre-litigation warning of my intent to sue all responsible parties for willful noncompliance under FCRA 616 and 617. \nLegal Grounds for Deletion The following sections of the Fair Credit Reporting Act are being violated by the continued reporting of this account : 1. 1681i Failure to Conduct Reasonable Reinvestigation 2. 1681g Failure to Disclose Verification Method 3. 1681s-2 ( b ) Furnisher 's Duty to Investigate 4. 1681e ( b ) / 607 ( b ) Maximum Possible Accuracy 5. 1681c-1 ( a ) ( 3 ) Ongoing Dispute Status 6. 1681b Lack of Permissible Purpose Evidence Summary ( Detailed Citations and Exhibits Available ) No Signed Contract or Authorization : XXXX submitted an unsigned, generic agreement with no evidence of consumer acknowledgment or acceptance. They also explicitly refused to provide any documentation proving legal ownership of the account or authorization to collect or report it.. \nNo Chain of Title with Account-Level Detail : The \" Ownership History '' provided lists internal entities without supporting assignment documentation. \nNo Proof of Mailing or Validation : The only mailed letter dated XX/XX/year>, contains no legally valid debt validation. \nFabricated Billing Statements : Missing transactions, phantom charges, and inflated balances across 10 billing cycles.\n\nPost-Charge-Off Reporting Gap : No payment history reported between charge-off and ownership transfer.\n\nNo Transaction Receipts or Mailing Proof : There is no evidence that I authorized or made any of the alleged charges. Additionally, XXXX has provided no proof that billing statements were ever mailed, nor any evidence that such mailings were received. \nUnverifiable Licensure in XXXX : Conflicting license numbers without proof of validity. \n\nConclusion & Demand Any attestation that this information was verified as accurate or updated without substantiating records may constitute false testimony, constructive fraud, or deceptive business practices. This is particularly concerning in light of XXXX XXXXesponse, which suggests that the verification processes used by Equifax, Experian, and TransUnion may be inadequate and potentially misleading. \nThis account is a textbook example of a phantom debt : fabricated charges, absent verification, broken legal chains of ownership, and predatory reporting tactics. The CRAs are actively participating in a scheme that has caused me direct financial harm and obstructed my ability to secure critical business funding. \n\nThis is a notice of intent to legal escalation. If the XXXX XXXX XXXX tradeline is not deleted from all three of my credit reports within 15 calendar days of this complaint, I will : File suit in small claims or civil court under FCRA 616 and 617 ; Notify the New York Attorney General, FTC, and other relevant regulators ; Publicly document this complaint as part of my evidence record.\n\nHowever, if the CRAs act in good faith and permanently delete the account within 15 calendar days, I will consider the matter resolved in full and will take no further action.\n\nAll referenced exhibits XXXX XXXX XXXX XXXX and Exhibits XXXX ) will be submitted via the CFPB complaint upload system. \nRespectfully, XXXX XXXX","date_sent_to_company":"2025-06-30T18:50:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11214","tags":null,"has_narrative":true,"complaint_id":"14372339","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-30T18:41:05.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If the XXXX XXXX XXXX tradeline is not deleted from all three of my credit reports within 15 calendar days of this complaint, I will : File suit in small claims or civil court under FCRA 616 and 617 ; Notify the New York Attorney General, FTC, and other relevant regulators ; Publicly document this complaint as part of my evidence record."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[10.758393,"14372339"]},{"_index":"complaint-public-v1","_id":"14371800","_score":10.758393,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Disclosure : As a consumer fully exercising my rights under the Fair Credit Reporting Act, I am documenting each step in preparation for formal legal escalation, if necessary.\n\nClarification : This complaint is separate and distinct from any previously filed complaints against Equifax, Experian, and TransUnion. It addresses new violations and failures, specifically their refusal to provide verification documentation under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ). It is not\nduplicative in subject matter or legal basis. This is not a Re-Dispute. \n\nSubject : Complaint Against Equifax, Experian, and TransUnion for Mishandling of XXXX XXXX XXXX Dispute FCRA Violations 611, 623, and Refusal to Provide Verification Documentation per 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) Narrative : This complaint is directed against Experian, Equifax, and TransUnion for their willful and negligent participation in the continued reporting of an unverified, fabricated, and unauthorized account allegedly owned by XXXX XXXX XXXXXXXX XXXX XXXX, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). \nDespite receiving prior dispute notices, detailed documentation, and verification demands, the CRAs have not permanently deleted this account from my consumer credit file. Instead, they appear to be relying on a materially deficient, deceptive, and non-verifying response from the data furnisher, which fails to meet the statutory requirements of FCRA. \nI have included key annotated excerpts from the response XXXX XXXX XXXX submitted to the CFPB ( Exhibit XXXX ), highlighting specific pages and sections that demonstrate clear violations of the Fair Credit Reporting Act.\n\nThis submission constitutes : A formal FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) verification demand ; A final CFPB complaint against the CRAs ; And a pre-litigation warning of my intent to sue all responsible parties for willful noncompliance under FCRA 616 and 617. \nLegal Grounds for Deletion The following sections of the Fair Credit Reporting Act are being violated by the continued reporting of this account : 1. 1681i Failure to Conduct Reasonable Reinvestigation 2. 1681g Failure to Disclose Verification Method 3. 1681s-2 ( b ) Furnisher 's Duty to Investigate 4. 1681e ( b ) / 607 ( b ) Maximum Possible Accuracy 5. 1681c-1 ( a ) ( 3 ) Ongoing Dispute Status 6. 1681b Lack of Permissible Purpose Evidence Summary ( Detailed Citations and Exhibits Available ) No Signed Contract or Authorization : XXXX submitted an unsigned, generic agreement with no evidence of consumer acknowledgment or acceptance. They also explicitly refused to provide any documentation proving legal ownership of the account or authorization to collect or report it.. \nNo Chain of Title with Account-Level Detail : The \" Ownership History '' provided lists internal entities without supporting assignment documentation. \nNo Proof of Mailing or Validation : The only mailed letter dated XX/XX/year>, contains no legally valid debt validation. \nFabricated Billing Statements : Missing transactions, phantom charges, and inflated balances across 10 billing cycles.\n\nPost-Charge-Off Reporting Gap : No payment history reported between charge-off and ownership transfer.\n\nNo Transaction Receipts or Mailing Proof : There is no evidence that I authorized or made any of the alleged charges. Additionally, XXXX has provided no proof that billing statements were ever mailed, nor any evidence that such mailings were received. \nUnverifiable Licensure in XXXX : Conflicting license numbers without proof of validity. \n\nConclusion & Demand Any attestation that this information was verified as accurate or updated without substantiating records may constitute false testimony, constructive fraud, or deceptive business practices. This is particularly concerning in light of XXXX XXXXesponse, which suggests that the verification processes used by Equifax, Experian, and TransUnion may be inadequate and potentially misleading. \nThis account is a textbook example of a phantom debt : fabricated charges, absent verification, broken legal chains of ownership, and predatory reporting tactics. The CRAs are actively participating in a scheme that has caused me direct financial harm and obstructed my ability to secure critical business funding. \n\nThis is a notice of intent to legal escalation. If the XXXX XXXX XXXX tradeline is not deleted from all three of my credit reports within 15 calendar days of this complaint, I will : File suit in small claims or civil court under FCRA 616 and 617 ; Notify the New York Attorney General, FTC, and other relevant regulators ; Publicly document this complaint as part of my evidence record.\n\nHowever, if the CRAs act in good faith and permanently delete the account within 15 calendar days, I will consider the matter resolved in full and will take no further action.\n\nAll referenced exhibits XXXX XXXX XXXX XXXX and Exhibits XXXX ) will be submitted via the CFPB complaint upload system. \nRespectfully, XXXX XXXX","date_sent_to_company":"2025-06-30T18:50:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11214","tags":null,"has_narrative":true,"complaint_id":"14371800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-30T18:50:01.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If the XXXX XXXX XXXX tradeline is not deleted from all three of my credit reports within 15 calendar days of this complaint, I will : File suit in small claims or civil court under FCRA 616 and 617 ; Notify the New York Attorney General, FTC, and other relevant regulators ; Publicly document this complaint as part of my evidence record."]},"sort":[10.758393,"14371800"]},{"_index":"complaint-public-v1","_id":"19632592","_score":10.649185,"_source":{"product":"Mortgage","complaint_what_happened":"Retaliation and XXXX XXXX XXXX XXXX XXXX to XXXX XXXX ( the counsel threat letter ). \nB. XXXX XXXX export showing repeated suspense/unapplied reversals and reapplications ( including XX/XX/XXXX sequencing ). \nXXXX. CFPB complaint narrative draft Product : Mortgage Issue : Trouble during payment process ( payment application / escrow / fees ) Company : XXXX XXXX XXXX ( XXXX ) ; corporate owner Rithm Capital Corp. ( public company ) Narrative : I submit this complaint to document and request CFPB review of ( 1 ) ongoing mortgage servicing/payment application irregularities reflected in XXXX own XXXX history and ( XXXX ) an apparent attempt by XXXX outside XXXX to deter lawful petitioning activity and dispute submissions through the CFPB and XXXX channels. \n\nA. Underlying servicing dispute : repeated suspense/unapplied cycling and delayed application XXXX payment history reflects recurring sequences in which borrower funds are placed into Unapplied Payment, then reversed out of Unapplied Payment, and then applied as a full Regular Payment, sometimes while additional partial payments remain parked as unapplied. For example, on XX/XX/XXXX there is a positive Unapplied Payment entry, a negative Unapplied Payment reversal, and then a full Regular Payment applied for the same XX/XX/XXXX due date ( principal/interest/escrow allocated ), while a separate XX/XX/XXXX partial payment remains Unapplied Payment. This same unapplied reversal regular payment pattern appears across multiple months. \n\nThese accounting mechanics materially matter because delinquency status, late fees, default staging, property-preservation/inspection triggers, and credit reporting snapshots can be driven by how and when funds are applied rather than whether funds were received. \n\nI request CFPB XXXX of whether XXXX handling of suspense/unapplied funds, application timing, and associated assessments/collection posture are accurate and compliant, and I request a written, account-level explanation of : ( XXXX ) why funds were held unapplied, ( XXXX ) the business rule that triggers the reversals, ( XXXX ) whether any delinquency/late fees/collections status was generated while funds were already received but held in suspense, and ( XXXX ) how escrow deficits and disbursements interacted with application decisions. \n\nB. Counsel letter attempting to chill complaints and dispute rights On XX/XX/XXXX, XXXX outside counsel ( XXXX XXXX XXXX XXXX XXXX ) sent me a letter asserting that I have filed more than XXXX complaints, characterizing my complaints as rambling and generally incoherent, asserting I am not operating in good faith, demanding that I cease submitting complaints regarding XXXX, XXXX, and executives, directing that all future correspondence be sent only to counsel, and threatening further action, including a lawsuit to stop the continued harassment. \n\nThis letter is relevant to CFPB supervision because it appears intended to deter the submission of consumer complaints and servicing dispute communications. I am exercising a lawful right to petition the government and to submit complaints to a federal agency. The XXXX Supreme Court has recognized the right to petition agencies as part of XXXX XXXX petitioning activity. California XXXX XXXX. Co. v. Trucking Unlimited, XXXX XXXX XXXX ( XXXX ). Although the letter frames my complaints as harassment, it does not address the substance of the payment history anomalies described above, nor does it provide an account-level reconciliation that resolves the recurring suspense/unapplied cycling shown in XXXX own records. \n\nI request CFPB review of whether XXXX counsel communications, in context, function as an intimidation mechanism to suppress regulatory complaint activity instead of correcting or transparently explaining servicing practices. \n\nXXXX Governance and internal controls tie to XXXX XXXX leadership oversight XXXX is owned by XXXX XXXX. XXXX public governance materials identify XXXX XXXX as XXXX, XXXX, and XXXX. When a regulated financial services enterprise responds to repeated consumer servicing disputes primarily with stop complaining or we may sue you, the compliance question becomes whether leadership and the board maintain adequate information-and-reporting systems and good-faith oversight over mission-critical consumer servicing, dispute handling, and compliance functions. \n\nDelaware fiduciary oversight doctrine recognizes liability exposure when there is an utter failure to implement or monitor a reasonable reporting system, or when known compliance risks are consciously disregarded. In re XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX. Ch. XXXX ) ; XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ). Delaware courts have emphasized mission-critical compliance oversight where core business risks demand board-level reporting and response. XXXX v. XXXX, XXXX XXXX XXXX ( XXXX. XXXX ). The XXXX XXXX XXXX further illustrates that failure to ensure board-level reporting on mission-critical safety and compliance risks can state an oversight claim. In re The XXXX Co. XXXX XXXX, XXXX XXXX No. XXXX ( XXXX. Ch. XX/XX/XXXX ). \n\nI am not asking CFPB to adjudicate Delaware fiduciary law. I cite these authorities to show why it is unreasonable for a regulated servicer enterprise to treat repeated consumer dispute submissions as mere harassment while the underlying payment application mechanics remain unresolved, and why strong internal controls and compliance governance are expected at the corporate-owner level for a mortgage servicing platform. \n\nXXXX Requested relief XXXX. Require Shellpoint to provide a complete account-level reconciliation explaining each XXXX XXXX hold, each reversal, and each subsequent Regular Payment application for the disputed period, and whether any delinquency/late fees/collections/inspection triggers or credit reporting were generated while funds were in suspense. \nXXXX. Require XXXX to identify the specific business rules/policies for suspense handling, reversal batching, and escrow-shortage treatment, and produce a written explanation that a borrower can audit. \nXXXX. Require XXXX to confirm in writing that it will not threaten litigation or otherwise attempt to deter lawful CFPB complaint submissions, and that it will address specific asserted servicing errors in good faith rather than characterizin y as harassment. \nXXXX. XXXX this complaint for supervisory review if CFPB deems appropriate due to the apparent pattern of suspense-cycling and counsels attempt to chill complaint activity. \nXXXX. Refer Outside Counsel for disciplinary action XXXX XXXX petitioning to agencies : California XXXX XXXX. Co. v. Trucking Unlimited, XXXX XXXX XXXX ( XXXX ). \nXXXX XXXX identification : XXXX investor governance renberg ). \nXXXX oversight : In re XXXX XXXX XXXX. Derivative Litig., XXXX XXXX XXXX ( XXXX. Ch. XXXX ). \nXXXX XXXX XXXX standard : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ). \nMission-critical oversight : XXXX v. XXXX, XXXX XXXX XXXX ( XXXX. XXXX ). \nXXXX oversight pleading : In re The XXXX Co. XXXX XXXX, XXXX XXXX No. XXXX ( XXXX. Ch. XX/XX/XXXX ).","date_sent_to_company":"2026-02-19T20:44:24.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"37066","tags":"Servicemember","has_narrative":true,"complaint_id":"19632592","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rithm Capital Corp.","date_received":"2026-02-19T19:49:45.000Z","state":"TN","company_public_response":null,"sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["CFPB complaint narrative draft Product : Mortgage Issue : Trouble during payment process ( payment application / escrow / fees ) Company : XXXX XXXX XXXX ( XXXX ) ; corporate owner Rithm Capital Corp. ( public company ) Narrative : I submit this complaint to document and request CFPB review of ( 1 ) ongoing mortgage servicing/payment application irregularities reflected in XXXX own XXXX history and ( XXXX ) an apparent attempt by XXXX outside XXXX to deter lawful petitioning activity and dispute"]},"sort":[10.649185,"19632592"]},{"_index":"complaint-public-v1","_id":"2184226","_score":10.230694,"_source":{"product":"Credit card","complaint_what_happened":"In my previous CFPB case number XXXX narrative, I assert that the XXXX advised me that BBVA Compass Bank - CREDIT CARD XXXX XXXX XXXX AL XXXX, phone number ( XXXX ) XXXX [ account date opened XXXX/XXXX/XXXX ] blocked my ability to get loans, possibly indefinitely. The letter attached is the proof for my complaint from the XXXX does mention BBVA Compass in the denial of my loan request. According to the letter dated XXXX XXXX, XXXX, the XXXX has provided specific reason my application was denied. The specific reason states : Trade Line COMPASS BANK - Charge Off in the last 5 years. \nIn XXXX XXXX, I inquired about this account concerning an error on my bill. BBVA Compass Bank would not talk about the details of the matter at hand or the account 's history. \nI followed up with a letter dated XXXX XXXX, XXXX. This was in reply to the XXXX XXXX, XXXX letter sent to me. At this point in time had XXXX cycles of six months minimum payments made to request the APR to be removed from this status so I can pay off this debt. I was never over 60 day past due. The account was closed XXXX XXXX. I received no notice of the right to dispute the closing, the no opportunity correct the XXXX charges, and removed the reasons from XXXX Accounts Last Reported In Delinquent Status Proportion Of Balances To Limits On Bank/nat'l Rev Accts Is Too High Amount Owed on Revolving Account Is Too High that put the account in that status. \nPlease look at XXXX action taken by BBVA Compass Bank. \nMy case never went into debt collection. I was receiving updated credit cards during the years XXXX, and I had purchasing rights see XXXX XXXX billing statement. \nThe actions taken by BBVA Compass Bank went as follows : '' In XXXX XXXX, your account was forwarded to our Collections Department due to nonpayment. Our Collections Department contacted you twice between XXXX XXXX, XXXX and XXXX XXXX, XXXX in an effort to collect a payment from you. According to the notes on the account, on each occasion you requested the Bank to send any information regarding the account to your address of record and directed the representatives to contact your attorney. Based on this information, the account was noted that you were seeking legal counsel. Because your intentions with the account were unclear, our Bankruptcy Department monitored the account for Bankruptcy filings until the account was charged off on XXXX XXXX, XXXX \" In XXXX, I was never notified about the Trade Line : COMPASS BANK - Charge Off in the last 5 years. The opportunity to reduce the APR never was given afforded to me. I requested the Bank to send any information regarding the account to my address of record and have the representatives to contact me and my attorney. This was never done. The final total amount of the debt claim and what interest rate the debt will be paid was never stated by BBVA Compass. \nLastly, I have learned that the product and service [ an open-line capital account : line of credit with no collateral ] I was paying for in XXXX from BBVA COMPASS was unauthorized/illegal to sale via the Federal Reserve System FED Laws. BBVA COMPASS was paid directing by the FED to close out all of its accounts of this type in XXXX XXXX and directed to no longer sale this product to the public. \nPlease evaluate my case in regards to the Credit Card ACT and FEDERAL RESERVE SYSTEM 12 CFR Part 226 [ Regulation Z ; Docket No. R-1370 ] See 226.9 ( h ) ( 2 ) ( i ), ( h ) ( 3 ) ( ii ) .Truth in Lending Law.","date_sent_to_company":"2016-10-28T21:33:38.000Z","issue":"Credit determination","sub_product":null,"zip_code":"582XX","tags":null,"has_narrative":true,"complaint_id":"2184226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2016-10-28T21:33:37.000Z","state":"ND","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In my previous CFPB case number XXXX narrative, I assert that the XXXX advised me that BBVA Compass Bank - CREDIT CARD XXXX XXXX XXXX AL XXXX, phone number ( XXXX ) XXXX [ account date opened XXXX/XXXX/XXXX ] blocked my ability to get loans, possibly indefinitely. The letter attached is the proof for my complaint from the XXXX does mention BBVA Compass in the denial of my loan request."]},"sort":[10.230694,"2184226"]},{"_index":"complaint-public-v1","_id":"14731290","_score":10.038424,"_source":{"product":"Checking or savings account","complaint_what_happened":"( XXXX ) On or about XX/XX/year>, I attempted to complete a time-sensitive rent payment using my debit card linked to a checking account administered under fiduciary authority. The transaction was repeatedly declined at the U.S. Postal Service and ATMs, despite the presence of sufficient funds. I immediately contacted USAA.\n\n( 2 ) A representative confirmed that no fraud report existed, and no complaint had been filed yet my card had been unilaterally blocked due to suspicious activity, supposedly triggered by the absence of a phone number and location tracking. No lawful notice or disclosure was given beforehand. \n\n( XXXX ) On XX/XX/year>, I attempted to deposit a state-issued Massachusetts tax refund of {$1200.00}. The app stated funds available immediately. However, USAA quickly reclassified the deposit as on hold and seized or withdrew the funds without my consent, without legal process, and without fiduciary notice. The only explanation offered was that the deposit exceeded a {$1000.00} limit, which had never been disclosed, contractually agreed upon, or historically applied. \n\n( XXXX ) From XX/XX/XXXX through XX/XX/XXXX, USAA has engaged in a pattern of obstruction, including : Refusing to acknowledge lawful fiduciary documentation, Enforcing coercive conditions such as surveillance-based mobile access, phone registration, and behavioral tracking, Failing to respond substantively to multiple requests for legal authority, fiduciary classification, or remedy. \n\n( XXXX ) As a combat-designated Veteran, I consider these actions more than administrative mishaps they constitute a systematic and deliberate campaign of financial aggression, executed in retaliation for asserting : My natural and fiduciary rights, My spiritual and bodily autonomy, And my lawful rejection of surveillance-based classification. \n\n( XXXX ) Since early XXXX, I have objected to USAAs sharing of personal data with entities like XXXX without lawful consent. In response, Ive faced escalating restrictions : ATM blocks, arbitrary denials, deliberate mischaracterizations, and deceptive internal narratives. This is not the behavior of a member-focused financial institution. It is economic oppression under the color of fraud protection a practice that violates federal standards and basic decency toward those who served this nation. \n\n( XXXX ) USAA does not own my body, decisions, or estate. If it believes otherwise, it is welcome to state such claim on the public record. Otherwise, all presumptions of control must immediately cease.\n\n( 8 ) This matter reflects constructive fraud, commercial dishonor, targeted financial discrimination, and provocative psychological aggression against a protected class a veteran asserting lawful self-governance.\n\n( 9 ) If this is not remedied, it sends a dangerous message : that financial institutions can punish lawful men, including veterans, for peacefully asserting their rights until they break. That is not how a civilized republic functions.\n\n( 10 ) I am still peaceful. I have followed every lawful and administrative process. But if oversight does not intervene now, others in my position less restrained, more vulnerable may suffer consequences that can not be reversed.This is not merely a banking error. This is a call for immediate review, oversight, and full remedy.\n\n( 10.1 ) EVIDENCE : Supporting call logs and multiple affidavits of truth are available upon request or as required for evidentiary review. I have withheld them from this initial submission in good faith, to avoid burdening the recipient with excess documentation unless deemed necessary for resolution.","date_sent_to_company":"2025-07-18T10:57:43.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"14731290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-07-18T10:12:00.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["If it believes otherwise, it is welcome to state such claim on the public record. Otherwise, all presumptions of control must immediately cease.\n\n( 8 ) This matter reflects constructive fraud, commercial dishonor, targeted financial discrimination, and provocative psychological aggression against a protected class a veteran asserting lawful self-governance."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[10.038424,"14731290"]},{"_index":"complaint-public-v1","_id":"11741875","_score":9.860978,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the accuracy and completeness of several items on my credit report issued on [ Report Date ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. Please investigate and remove or correct the following items promptly. Below, I have listed the accounts in question, their inaccuracies, and the applicable FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Error : Balance discrepancies : XXXX : {$510.00} Experian : {$580.00} XXXX : $ XXXXViolation : FCRA 1681e ( b ) - Failure to ensure maximum possible accuracy of reported data.Requested Action : Verify and correct balance or delete if unverifiable. \n\nXXXXXXXX XXXX XXXX ( Account # XXXX ) **Error : Past due balance of {$80.00}, marked as Late 30 Days despite being disputed.Violation : FCRA 1681s-2 ( b ) - Failure to update and correct disputed information.Requested Action : Remove the past-due balance or the entire account if it can not be verified. \n\nXXXX. XXXX XXXX ( Account # XXXX ) **Error : Charged-off account with a reported past-due amount of {$120.00}, conflicting Collection/Chargeoff statuses across bureaus.Violation : FCRA 1681i - Failure to investigate and correct errors after a dispute.Requested Action : Delete the account or ensure the status is accurately reflected across all bureaus. \n\nXXXX. XXXX XXXX ( Account # XXXX ) **Error : Account is reported as both Derogatory and Paid, creating a conflicting status.Violation : FCRA 1681c ( a ) - Reporting of misleading or inaccurate information.Requested Action : Verify and correct or delete the account. \n\nXXXX. Bankruptcy InformationError : XXXX XXXX Bankruptcy marked as Dismissed with conflicting remarks across all bureaus.Violation : FCRA XXXX681c ( a ) ( 1 ) - Reporting outdated or misleading public record information.Requested Action : Remove or correct public record details.\n\nDamages and Notice of Legal Remedies Legal Basis for This Dispute 1. Violation of 15 USC 1681b ( 2 ) : You must have a permissible purpose and proper authorization to disclose or maintain my consumer information, including any alleged bankruptcy. You have failed to demonstrate compliance with this requirement. \n2. Violation of 15 USC 1681q : Reporting or maintaining inaccurate information without proper validation constitutes a willful misrepresentation of my credit data, which is considered fraudulent.\n\n3. Violation of 18 USC 1028A : The improper handling or dissemination of personal data, including the unverified bankruptcy entry, may fall under identity theft or fraud statutes, subjecting violators to significant penalties.\n\n4. Violation of 15 USC 1681c-2 : Under federal law, you are required to block fraudulent information upon my dispute. You have not complied with this requirement despite the disputed nature of this entry. \n\nEach violation of the above laws constitutes grounds for a statutory fine of {$1000.00} per instance, which I intend to pursue if this matter is not resolved promptly. Additionally, I reserve the right to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action. \n\nXXXX XXXX ( Account # XXXX ) **Error : Account is reported as Derogatory but shows no past due amounts, creating confusion in the status.Violation : FCRA 1681e ( b ) - Failure to ensure maximum possible accuracy.Requested Action : Clarify account status or remove if unverifiable. \n\nXXXX XXXX XXXX XXXXXXXX ( Multiple Accounts ) Error : Accounts marked as Resolved Dispute but consumer disagrees with resolution.Violation : FCRA 1681i - Failure to conduct a proper reinvestigation.Requested Action : Reinvestigate disputes or remove the disputed accounts. \n\nXXXX. XXXX ( Account # XXXX ) Error : Account listed as Paid but linked to XXXX XXXX XXXX, leading to a conflicting narrative.Violation : FCRA 1681e ( b ) - Inconsistent account reporting.Requested Action : Correct the status or delete the account. \n\nXXXX. XXXX XXXX ( Account # XXXX ) **Error : Account marked as Wage Earner Plan and Derogatory despite being disputed and resolved.Violation : FCRA 1681s-2 ( a ) - Furnishing inaccurate information.Requested Action : Verify or remove.\n\nPer the FCRA, I expect you to : Conduct a thorough investigation of these items. \n\nProvide me with a written response detailing the results of your investigation. \n\nCorrect or delete any unverifiable or inaccurate information. \n\nSend me an updated copy of my credit report. \n\nIf the disputed items are not resolved to my satisfaction, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) for further review. Please be advised that I have also copied this letter to the CFPB for documentation purposes. \n\nI have attached a copy of my credit report with the disputed items highlighted, as well as identification documents to verify my identity ( e.g., drivers license, utility bill ). \n\nThank you for addressing this matter promptly. I look forward to your response within the 30-day period mandated by the FCRA. Please contact me by mail at the address listed above or by phone at [ Your Phone Number ] if you require additional information. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-25T18:13:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60153","tags":null,"has_narrative":true,"complaint_id":"11741875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-25T18:01:44.000Z","state":"IL","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":["Bankruptcy InformationError : XXXX XXXX Bankruptcy marked as Dismissed with conflicting remarks across all bureaus.Violation : FCRA XXXX681c ( a ) ( 1 ) - Reporting outdated or misleading public record information.Requested Action : Remove or correct public record details.\n\nDamages and Notice of Legal Remedies Legal Basis for This Dispute 1."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[9.860978,"11741875"]},{"_index":"complaint-public-v1","_id":"11733412","_score":9.846902,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the accuracy and completeness of several items on my credit report issued on [ Report Date ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. Please investigate and remove or correct the following items promptly. Below, I have listed the accounts in question, their inaccuracies, and the applicable FCRA violations : XXXX. XXXX ( Account # XXXX ) **Error : Balance discrepancies : XXXX : {$510.00} XXXX : {$580.00} Equifax : $ XXXXViolation : FCRA 1681e ( b ) - Failure to ensure maximum possible accuracy of reported data.Requested Action : Verify and correct balance or delete if unverifiable. \n\n2. XXXXXXXX XXXX ( Account # XXXX ) **Error : Past due balance of {$80.00}, marked as Late 30 Days despite being disputed.Violation : FCRA 1681s-2 ( b ) - Failure to update and correct disputed information.Requested Action : Remove the past-due balance or the entire account if it can not be verified. \n\n3. XXXX XXXX ( Account # XXXX ) **Error : Charged-off account with a reported past-due amount of {$120.00}, conflicting Collection/Chargeoff statuses across bureaus.Violation : FCRA 1681i - Failure to investigate and correct errors after a dispute.Requested Action : Delete the account or ensure the status is accurately reflected across all bureaus. \n\n4. XXXX XXXX ( Account # XXXX ) **Error : Account is reported as both Derogatory and Paid, creating a conflicting status.Violation : FCRA 1681c ( a ) - Reporting of misleading or inaccurate information.Requested Action : Verify and correct or delete the account. \n\n5. Bankruptcy InformationError : XXXX XXXX Bankruptcy marked as Dismissed with conflicting remarks across all bureaus.Violation : FCRA 1681c ( a ) ( 1 ) - Reporting outdated or misleading public record information.Requested Action : Remove or correct public record details. \nDamages and Notice of Legal Remedies Legal Basis for This Dispute 1. Violation of 15 USC 1681b ( 2 ) : You must have a permissible purpose and proper authorization to disclose or maintain my consumer information, including any alleged bankruptcy. You have failed to demonstrate compliance with this requirement. \n2. Violation of 15 USC 1681q : Reporting or maintaining inaccurate information without proper validation constitutes a willful misrepresentation of my credit data, which is considered fraudulent. \n3. Violation of 18 USC 1028A : The improper handling or dissemination of personal data, including the unverified bankruptcy entry, may fall under identity theft or fraud statutes, subjecting violators to significant penalties. \n4. Violation of 15 USC 1681c-2 : Under federal law, you are required to block fraudulent information upon my dispute. You have not complied with this requirement despite the disputed nature of this entry. \n\nEach violation of the above laws constitutes grounds for a statutory fine of {$1000.00} per instance, which I intend to pursue if this matter is not resolved promptly. Additionally, I reserve the right to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action. \n\n6. XXXX ( Account # XXXX ) **Error : Account is reported as Derogatory but shows no past due amounts, creating confusion in the status.Violation : FCRA 1681e ( b ) - Failure to ensure maximum possible accuracy.Requested Action : Clarify account status or remove if unverifiable. \n\n7. DEPT OF EDUCATIONXXXX ( Multiple Accounts ) Error : Accounts marked as Resolved Dispute but consumer disagrees with resolution.Violation : FCRA 1681i - Failure to conduct a proper reinvestigation.Requested Action : Reinvestigate disputes or remove the disputed accounts. \n\n8. XXXX ( Account # XXXX ) Error : Account listed as Paid but linked to XXXX XXXX Bankruptcy, leading to a conflicting narrative.Violation : FCRA 1681e ( b ) - Inconsistent account reporting.Requested Action : Correct the status or delete the account. \n\n9. XXXX XXXX ( Account # XXXX ) **Error : Account marked as Wage Earner Plan and Derogatory despite being disputed and resolved.Violation : FCRA 1681s-2 ( a ) - Furnishing inaccurate information.Requested Action : Verify or remove. \n\nPer the FCRA, I expect you to : Conduct a thorough investigation of these items. \n\nProvide me with a written response detailing the results of your investigation. \n\nCorrect or delete any unverifiable or inaccurate information. \n\nSend me an updated copy of my credit report. \n\nIf the disputed items are not resolved to my satisfaction, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) for further review. Please be advised that I have also copied this letter to the CFPB for documentation purposes. \n\nI have attached a copy of my credit report with the disputed items highlighted, as well as identification documents to verify my identity ( e.g., drivers license, utility bill ). \n\nThank you for addressing this matter promptly. I look forward to your response within the 30-day period mandated by the FCRA. Please contact me by mail at the address listed above or by phone at [ Your Phone Number ] if you require additional information.\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-25T18:13:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60153","tags":null,"has_narrative":true,"complaint_id":"11733412","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-25T18:13:28.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Bankruptcy InformationError : XXXX XXXX Bankruptcy marked as Dismissed with conflicting remarks across all bureaus.Violation : FCRA 1681c ( a ) ( 1 ) - Reporting outdated or misleading public record information.Requested Action : Remove or correct public record details. \nDamages and Notice of Legal Remedies Legal Basis for This Dispute 1."]},"sort":[9.846902,"11733412"]},{"_index":"complaint-public-v1","_id":"11742224","_score":9.835723,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the accuracy and completeness of several items on my credit report issued on [ Report Date ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. Please investigate and remove or correct the following items promptly. Below, I have listed the accounts in question, their inaccuracies, and the applicable FCRA violations : XXXX XXXX ( Account # XXXX ) **Error : Balance discrepancies : TransUnion : {$510.00} XXXX : {$580.00} XXXX : $ XXXXViolation : FCRA 1681e ( b ) - Failure to ensure maximum possible accuracy of reported data.Requested Action : Verify and correct balance or delete if unverifiable. \n\nXXXX. XXXX XXXX ( Account # XXXX ) **Error : Past due balance of {$80.00}, marked as Late 30 Days despite being disputed.Violation : FCRA 1681s-2 ( b ) - Failure to update and correct disputed information.Requested Action : Remove the past-due balance or the entire account if it can not be verified. \n\nXXXX. XXXX XXXX ( Account # XXXX ) **Error : Charged-off account with a reported past-due amount of {$120.00}, conflicting Collection/Chargeoff statuses across bureaus.Violation : FCRA 1681i - Failure to investigate and correct errors after a dispute.Requested Action : Delete the account or ensure the status is accurately reflected across all bureaus. \n\nXXXX. XXXX XXXX ( Account # XXXX ) **Error : Account is reported as both Derogatory and Paid, creating a conflicting status.Violation : FCRA 1681c ( a ) - Reporting of misleading or inaccurate information.Requested Action : Verify and correct or delete the account. \n\nXXXX. Bankruptcy InformationError : XXXX XXXX Bankruptcy marked as Dismissed with conflicting remarks across all bureaus.Violation : FCRA 1681c ( a ) ( 1 ) - Reporting outdated or misleading public record information.Requested Action : Remove or correct public record details. \nDamages and Notice of Legal Remedies Legal Basis for This Dispute 1. Violation of 15 USC 1681b ( 2 ) : You must have a permissible purpose and proper authorization to disclose or maintain my consumer information, including any alleged bankruptcy. You have failed to demonstrate compliance with this requirement.\n\n2. Violation of 15 USC 1681q : Reporting or maintaining inaccurate information without proper validation constitutes a willful misrepresentation of my credit data, which is considered fraudulent.\n\n3. Violation of 18 USC 1028A : The improper handling or dissemination of personal data, including the unverified bankruptcy entry, may fall under identity theft or fraud statutes, subjecting violators to significant penalties.\n\n4. Violation of 15 USC 1681c-2 : Under federal law, you are required to block fraudulent information upon my dispute. You have not complied with this requirement despite the disputed nature of this entry. \n\nEach violation of the above laws constitutes grounds for a statutory fine of {$1000.00} per instance, which I intend to pursue if this matter is not resolved promptly. Additionally, I reserve the right to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action. \n\nXXXX. XXXX ( Account # XXXX ) **Error : Account is reported as Derogatory but shows no past due amounts, creating confusion in the status.Violation : FCRA 1681e ( b ) - Failure to ensure maximum possible accuracy.Requested Action : Clarify account status or remove if unverifiable. \n\n7. DEPT OF EDUCATIONXXXX ( Multiple Accounts ) Error : Accounts marked as Resolved Dispute but consumer disagrees with resolution.Violation : FCRA 1681i - Failure to conduct a proper reinvestigation.Requested Action : Reinvestigate disputes or remove the disputed accounts. \n\nXXXX. XXXX ( Account # XXXX ) Error : Account listed as Paid but linked to XXXX XXXX Bankruptcy, leading to a conflicting narrative.Violation : FCRA 1681e ( b ) - Inconsistent account reporting.Requested Action : Correct the status or delete the account. \n\nXXXX. XXXX XXXX ( Account # XXXX ) **Error : Account marked as Wage Earner Plan and Derogatory despite being disputed and resolved.Violation : FCRA 1681s-2 ( a ) - Furnishing inaccurate information.Requested Action : Verify or remove. \n\nPer the FCRA, I expect you to : Conduct a thorough investigation of these items. \n\nProvide me with a written response detailing the results of your investigation. \n\nCorrect or delete any unverifiable or inaccurate information. \n\nSend me an updated copy of my credit report. \n\nIf the disputed items are not resolved to my satisfaction, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) for further review. Please be advised that I have also copied this letter to the CFPB for documentation purposes. \n\nI have attached a copy of my credit report with the disputed items highlighted, as well as identification documents to verify my identity ( e.g., drivers license, utility bill ). \n\nThank you for addressing this matter promptly. I look forward to your response within the 30-day period mandated by the FCRA. Please contact me by mail at the address listed above or by phone at [ Your Phone Number ] if you require additional information.\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-25T18:13:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60153","tags":null,"has_narrative":true,"complaint_id":"11742224","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-25T18:13:28.000Z","state":"IL","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":["Bankruptcy InformationError : XXXX XXXX Bankruptcy marked as Dismissed with conflicting remarks across all bureaus.Violation : FCRA 1681c ( a ) ( 1 ) - Reporting outdated or misleading public record information.Requested Action : Remove or correct public record details. \nDamages and Notice of Legal Remedies Legal Basis for This Dispute 1."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[9.835723,"11742224"]},{"_index":"complaint-public-v1","_id":"5821906","_score":9.609779,"_source":{"product":"Debt collection","complaint_what_happened":"In 2015, the US Federal Agency investigation acknowledged and concluded that I am a victim of identity theft and mortgage fraud. The 2006 mortgage was procured by fraud.\n\nThe Credit Bureau 's separate internal investigation concluded the same. \n\nThe investigation resulted in removing the mortgages and federal tax liens from my credit report, tax transcripts, and public records in FL and NY. \n\nThe NY XXXX XXXX XXXX referred my case to the FBI due to multiple jurisdictions being involved. \n\nIn 2015, the FBI worked diligently in pursuing charges against the loan originator for 3 months until the Federal Statute of Limitations expired on the 2006 mortgage. \n\nIn 2020, 5 years after the Federal Investigation, I was blindsided by a \" Notice of Sale '' mailed to my po box .\n\nI was forced to file for bankruptcy to stay the sale of my home and cancel scheduled XXXX. \n\nI filed a complaint with the CFPB. A company by the name of Mr. Cooper responded. \n\nMr. Cooper acquired the Mortgage debt in 2016. \n( 8 ) years after Default, 2008 ( 2 ) years after Statute of Limitations Expired on the mortgage debt, 2014.\n\n( 1 ) year after the Federal Investigation acknowledged I'm a Victim of Identity Theft and Mortgage Fraud, 2015 Mr. Cooper 's response to CFPB complaint was deceptive and convoluted.\n\nMr Cooper acquired The Mortgage debt in 2016.\n\nMr. Cooper knowingly and deliberately withheld the knowledge of being a third-party debt collector attempting to collect a debt. Governed under the FDCPA Mr. Cooper deliberately withheld knowledge of the State Statute of Limitations to collect the debt had expired in 2014. \n\nMr. Cooper and their attorneys XXXX XXXX engaged in fraudulent and deceptive business practices violating GBL 349 In 2018, XXXX XXXX misrepresented material facts to the court, committing fraud upon the court. \n\nXXXX XXXX was unauthorized to file a motion seeking Summary Judgment of Foreclosure XXXX XXXX, attorneys representing the third party debt collector, deceptively claimed to represent the named Plaintiff /Lender they chose. \n\nIn 2018, XXXX XXXX was erroneously granted Summary Judgment of Foreclosure on behalf of the Plaintiff/Lender ( Wrong Bank , Note ) On XX/XX/XXXX Application for index # was filed By XXXX XXXX XXXXXXXX XXXX XXXX XXXXeported Type of Action : NOP On XX/XX/XXXX The Clerk of Court recorded XXXX XXXX XXXX NOP Remarks XXXX No Note, Wrong Bank Assignments of Mortgage : Confirmed XXXX XXXX XXXX XXXX XXXX wrong Bank. There is no Note On XX/XX/XXXX Bank XXXX XXXX XXXX ( Amended ) On XX/XX/XXXX The XXXX XXXX XXXX recorded XXXX XXXX XXXX XXXX ( Amended ) Remarks : No Note, Wrong Bank Assignments of Mortgage : Once again, XXXX XXXX XXXXXXXX was confirmed as the wrong Bank. There is no Note XXXX XXXX XXXX did not have standing. \n\nXXXX XXXX XXXX did not initiate a Foreclosure Proceeding under New York State Law. \n\nMandatory required documents to initiate a Foreclosure Proceeding in New York were never filed with the Court. \n\nMost importantly, XXXX XXXX XXXXXXXX was not represented by XXXX XXXX. Confirmed by court documents. \n\nFurthermore, Mr. Cooper confirmed being represented by XXXX XXXX in a written response to my CFPB complaint. \n\nMr. Cooper did confirm that I was not served the \" alleged '' Amended Complaint. \nStating : \" No person was found, or otherwise served at the property address, '' Mr. Cooper alleges I was represented by Council.\n\nMr. Cooper 's claims are illogical. If I were not served, I would not know to contact and retain an attorney. \n\nIt serves Mr. Cooper to believe the narrative that the Perpetrator of Identity Theft and Mortgage Frauds attorney ( XXXX XXXX ) appeared on my behalf. However, it is unlikely that any reasonable person would believe the Perpetrator 's attorney showed up to protect my best interest. \n\nCPLR 320 : Unauthorized Appearance by an Attorney Does Not Confer Personal Jurisdiction upon a Defendant XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In 2022, XXXX XXXX filed a \" certified '' to be a true copy of the original document. Requesting the Federal Bankruptcy Court to lift the stay. \n\nThe \" certified document '' is ALTERED, FORGED, and FRAUDULENT. \nXXXX XXXX altered my name as it was typed on the original mortgage document. Changing my married name to my maiden name. \n\nXXXX XXXX had the audacity to forge my signature. \n\nXXXX XXXX removed the NOTARY SEAL, making the mortgage unable to be recorded. \nResulting in a \" void '' mortgage Mr. Cooper and XXXX XXXX violated my rights. Through deception and fraud. Having devastating financial and medical consequences. Re-victimizing me as a victim of Identity Theft and XXXX. \n\nXXXX XXXX is the new loan servicer. XXXX XXXX does not have information that I am on the mortgage. They sent a letter to my home address stating that the XXXX of Limitations to collect this debt has Expired. \n\n\nThe unnecessary delay in XXXX has left me permanently disfigured. Re-victimized as a victim of identity theft and fraud. Thankfully there are bureaus such as the CFPB and the FTC. I am grateful for the government investigating the complex Financial crimes committed in my name. The individuals involved have no idea how deception and fraud have the ability to destroy someone's life not only financially. I hope that compliance is enforced. Individuals who have been given the power and authority to enforce the law and not to abuse the law should be held accountable for their actions. Once a person takes advantage of the privilege they have been given it is no longer a privilege they deserve. \n\nThank you for your time and assistance in this matter.","date_sent_to_company":"2022-07-29T07:58:21.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"10990","tags":null,"has_narrative":true,"complaint_id":"5821906","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2022-07-29T02:44:30.000Z","state":"NY","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["Thank you for your time and assistance in this matter."]},"sort":[9.609779,"5821906"]},{"_index":"complaint-public-v1","_id":"18048418","_score":9.057727,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccuracies, procedural failures, and violations of my consumer rights related to information being reported on my credit reports by credit reporting agencies and data furnishers. Despite my repeated efforts to correct these issues through proper channels, including direct disputes, identity verification, and the filing of an FTC Identity Theft Report, inaccurate and fraudulent information has remained on my credit reports and continues to cause financial harm. \n\nThe core issues involve identity theft, fraudulent accounts, inaccurate late payment reporting, improper bankruptcy reporting, and unauthorized credit inquiries, compounded by failures of the credit bureaus to properly reinvestigate disputes as required under the Fair Credit Reporting Act ( FCRA ). \n\nIdentity Theft and Fraudulent Account Reporting I discovered that a XXXX XXXX XXXX XXXX account was reported on my credit report as a collection or charge-off. I did not open this account, did not authorize it, and did not benefit from it in any way. This account is the result of identity theft. \n\nOnce I became aware of this issue, I took appropriate and lawful action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is the federal mechanism specifically designed to document and address identity theft. I then disputed the fraudulent XXXXXXXX XXXX account directly with the credit reporting agencies, requesting that it be blocked and removed in accordance with FCRA 605B. \n\nDespite providing notice that this account was fraudulent and that an FTC Identity Theft Report had been filed, the account continued to be reported. In some cases, my disputes were rejected or closed without a proper reinvestigation, and in other cases, I was told the dispute was not processed due to incorrect assumptions about authorization, even though I personally submitted the disputes and later provided identity verification documentation. \n\nThis failure to promptly block and remove fraudulent information caused ongoing damage to my credit profile and undermined the protections XXXX put in place for identity theft victims. \n\nImproper Handling of Disputes and Reinvestigations I submitted disputes directly and personally, not through any third-party credit repair company. Nevertheless, at least one credit bureau incorrectly stated that a request did not come from me or someone I authorized, and closed the dispute without investigation. This was incorrect and later contradicted by my submission of government-issued identification, proof of address, and Social Security documentation to verify my identity. \n\nClosing disputes without reinvestigation based on incorrect assumptions prevented compliance with FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. These procedural failures delayed corrections, allowed inaccurate information to remain, and forced me to open additional disputes and CFPB complaints to seek resolution. \n\nLate Payment Reporting Issues In addition to the fraudulent account, my credit reports reflect multiple late payment entries that are inaccurate, misleading, or lack proper context. Some late payments are associated with accounts impacted by identity theft, while others were reported during periods affected by financial hardship and bankruptcy proceedings. \n\nLate payment reporting must meet the FCRAs maximum possible accuracy standard. Reporting late payments that are tied to fraudulent accounts, unverified data, or accounts affected by bankruptcy without proper verification creates a misleading credit profile. I disputed these late payments and requested that each be individually verified with original creditor documentation. \n\nDespite this, late payments continued to appear without adequate explanation or proof that the reporting was accurate. In some cases, late payment data appeared inconsistent across different credit bureaus, suggesting systemic inaccuracies rather than verified reporting. \n\nBankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a Chapter XXXX XXXX that was discharged and XXXX XXXX cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA. \n\nThe issues I identified include : Duplicate or redundant bankruptcy listings Inconsistent reporting across credit bureaus Incorrect dates or reference information Reporting that does not clearly reflect dismissal or discharge status I disputed these inconsistencies because inaccurate bankruptcy reporting unfairly magnifies negative impact and misrepresents my financial history. Each bankruptcy entry should be verified directly with court records and reported accurately and consistently. \n\nUnauthorized and Improper Credit Inquiries My credit reports also contain numerous credit inquiries that I do not recognize, did not authorize, or that appear connected to fraudulent or disputed accounts. Under FCRA 604, a credit inquiry may only be reported if the requester had a permissible purpose. \n\nI disputed inquiries that : I did not initiate Were generated without my consent Are linked to fraudulent accounts Appear duplicative or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and create an inaccurate record of my credit-seeking behavior. \n\nImpact on Me as a Consumer The continued reporting of fraudulent accounts, inaccurate late payments, improper bankruptcy information, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my credit scores, limited my access to fair credit terms, and required significant time and effort to address. \n\nI have acted in good faith throughout this process, following all required procedures, filing appropriate reports, and providing documentation when requested. The lack of timely and effective resolution has forced me to escalate this matter to the CFPB. \n\nWhy I Am Filing This CFPB Complaint I am filing this complaint because : Fraudulent information was not promptly removed despite an FTC Identity Theft Report Disputes were closed without proper reinvestigation Late payment reporting remains inaccurate and misleading Bankruptcy reporting is inconsistent and duplicative Unauthorized credit inquiries remain uncorrected These issues demonstrate systemic failures to comply with the FCRA and to protect consumers from inaccurate credit reporting. \n\nWhat I Am Seeking Through This Complaint I am seeking regulatory assistance to ensure that : Fraudulent accounts are blocked and removed Late payments are corrected or deleted if unverifiable Bankruptcy information is reported accurately and consistently Unauthorized inquiries are removed Credit bureaus comply fully with reinvestigation requirements I am requesting that the CFPB ensure that my disputes are handled lawfully and that my credit reports reflect only accurate, verified, and legally reportable information. \n\nThis narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly.","date_sent_to_company":"2025-12-15T19:00:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18048418","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-15T18:59:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[9.057727,"18048418"]},{"_index":"complaint-public-v1","_id":"18048417","_score":9.042694,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccuracies, procedural failures, and violations of my consumer rights related to information being reported on my credit reports by credit reporting agencies and data furnishers. Despite my repeated efforts to correct these issues through proper channels, including direct disputes, identity verification, and the filing of an FTC Identity Theft Report, inaccurate and fraudulent information has remained on my credit reports and continues to cause financial harm. \n\nThe core issues involve identity theft, fraudulent accounts, inaccurate late payment reporting, improper bankruptcy reporting, and unauthorized credit inquiries, compounded by failures of the credit bureaus to properly reinvestigate disputes as required under the Fair Credit Reporting Act ( FCRA ). \n\nIdentity Theft and Fraudulent Account Reporting I discovered that a XXXX XXXX XXXX XXXX account was reported on my credit report as a collection or charge-off. I did not open this account, did not authorize it, and did not benefit from it in any way. This account is the result of identity theft. \n\nOnce I became aware of this issue, I took appropriate and lawful action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is the federal mechanism specifically designed to document and address identity theft. I then disputed the fraudulent XXXXXXXX XXXX account directly with the credit reporting agencies, requesting that it be blocked and removed in accordance with FCRA 605B. \n\nDespite providing notice that this account was fraudulent and that an FTC Identity Theft Report had been filed, the account continued to be reported. In some cases, my disputes were rejected or closed without a proper reinvestigation, and in other cases, I was told the dispute was not processed due to incorrect assumptions about authorization, even though I personally submitted the disputes and later provided identity verification documentation. \n\nThis failure to promptly block and remove fraudulent information caused ongoing damage to my credit profile and undermined the protections XXXX put in place for identity theft victims. \n\nImproper Handling of Disputes and Reinvestigations I submitted disputes directly and personally, not through any third-party credit repair company. Nevertheless, at least one credit bureau incorrectly stated that a request did not come from me or someone I authorized, and closed the dispute without investigation. This was incorrect and later contradicted by my submission of government-issued identification, proof of address, and Social Security documentation to verify my identity. \n\nClosing disputes without reinvestigation based on incorrect assumptions prevented compliance with FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. These procedural failures delayed corrections, allowed inaccurate information to remain, and forced me to open additional disputes and CFPB complaints to seek resolution. \n\nLate Payment Reporting Issues In addition to the fraudulent account, my credit reports reflect multiple late payment entries that are inaccurate, misleading, or lack proper context. Some late payments are associated with accounts impacted by identity theft, while others were reported during periods affected by financial hardship and bankruptcy proceedings. \n\nLate payment reporting must meet the FCRAs maximum possible accuracy standard. Reporting late payments that are tied to fraudulent accounts, unverified data, or accounts affected by bankruptcy without proper verification creates a misleading credit profile. I disputed these late payments and requested that each be individually verified with original creditor documentation. \n\nDespite this, late payments continued to appear without adequate explanation or proof that the reporting was accurate. In some cases, late payment data appeared inconsistent across different credit bureaus, suggesting systemic inaccuracies rather than verified reporting. \n\nBankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a Chapter XXXX XXXX that was discharged and XXXX XXXX cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA. \n\nThe issues I identified include : Duplicate or redundant bankruptcy listings Inconsistent reporting across credit bureaus Incorrect dates or reference information Reporting that does not clearly reflect dismissal or discharge status I disputed these inconsistencies because inaccurate bankruptcy reporting unfairly magnifies negative impact and misrepresents my financial history. Each bankruptcy entry should be verified directly with court records and reported accurately and consistently. \n\nUnauthorized and Improper Credit Inquiries My credit reports also contain numerous credit inquiries that I do not recognize, did not authorize, or that appear connected to fraudulent or disputed accounts. Under FCRA 604, a credit inquiry may only be reported if the requester had a permissible purpose. \n\nI disputed inquiries that : I did not initiate Were generated without my consent Are linked to fraudulent accounts Appear duplicative or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and create an inaccurate record of my credit-seeking behavior. \n\nImpact on Me as a Consumer The continued reporting of fraudulent accounts, inaccurate late payments, improper bankruptcy information, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my credit scores, limited my access to fair credit terms, and required significant time and effort to address. \n\nI have acted in good faith throughout this process, following all required procedures, filing appropriate reports, and providing documentation when requested. The lack of timely and effective resolution has forced me to escalate this matter to the CFPB. \n\nWhy I Am Filing This CFPB Complaint I am filing this complaint because : Fraudulent information was not promptly removed despite an FTC Identity Theft Report Disputes were closed without proper reinvestigation Late payment reporting remains inaccurate and misleading Bankruptcy reporting is inconsistent and duplicative Unauthorized credit inquiries remain uncorrected These issues demonstrate systemic failures to comply with the FCRA and to protect consumers from inaccurate credit reporting. \n\nWhat I Am Seeking Through This Complaint I am seeking regulatory assistance to ensure that : Fraudulent accounts are blocked and removed Late payments are corrected or deleted if unverifiable Bankruptcy information is reported accurately and consistently Unauthorized inquiries are removed Credit bureaus comply fully with reinvestigation requirements I am requesting that the CFPB ensure that my disputes are handled lawfully and that my credit reports reflect only accurate, verified, and legally reportable information. \n\nThis narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly.","date_sent_to_company":"2025-12-15T19:00:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18048417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-15T18:59:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[9.042694,"18048417"]},{"_index":"complaint-public-v1","_id":"18048416","_score":9.042669,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccuracies, procedural failures, and violations of my consumer rights related to information being reported on my credit reports by credit reporting agencies and data furnishers. Despite my repeated efforts to correct these issues through proper channels, including direct disputes, identity verification, and the filing of an FTC Identity Theft Report, inaccurate and fraudulent information has remained on my credit reports and continues to cause financial harm. \n\nThe core issues involve identity theft, fraudulent accounts, inaccurate late payment reporting, improper bankruptcy reporting, and unauthorized credit inquiries, compounded by failures of the credit bureaus to properly reinvestigate disputes as required under the Fair Credit Reporting Act ( FCRA ). \n\nIdentity Theft and Fraudulent Account Reporting I discovered that a XXXX XXXX XXXX XXXX account was reported on my credit report as a collection or charge-off. I did not open this account, did not authorize it, and did not benefit from it in any way. This account is the result of identity theft. \n\nOnce I became aware of this issue, I took appropriate and lawful action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is the federal mechanism specifically designed to document and address identity theft. I then disputed the fraudulent XXXXXXXX XXXX account directly with the credit reporting agencies, requesting that it be blocked and removed in accordance with FCRA 605B. \n\nDespite providing notice that this account was fraudulent and that an FTC Identity Theft Report had been filed, the account continued to be reported. In some cases, my disputes were rejected or closed without a proper reinvestigation, and in other cases, I was told the dispute was not processed due to incorrect assumptions about authorization, even though I personally submitted the disputes and later provided identity verification documentation. \n\nThis failure to promptly block and remove fraudulent information caused ongoing damage to my credit profile and undermined the protections XXXX put in place for identity theft victims. \n\nImproper Handling of Disputes and Reinvestigations I submitted disputes directly and personally, not through any third-party credit repair company. Nevertheless, at least one credit bureau incorrectly stated that a request did not come from me or someone I authorized, and closed the dispute without investigation. This was incorrect and later contradicted by my submission of government-issued identification, proof of address, and Social Security documentation to verify my identity. \n\nClosing disputes without reinvestigation based on incorrect assumptions prevented compliance with FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. These procedural failures delayed corrections, allowed inaccurate information to remain, and forced me to open additional disputes and CFPB complaints to seek resolution. \n\nLate Payment Reporting Issues In addition to the fraudulent account, my credit reports reflect multiple late payment entries that are inaccurate, misleading, or lack proper context. Some late payments are associated with accounts impacted by identity theft, while others were reported during periods affected by financial hardship and bankruptcy proceedings. \n\nLate payment reporting must meet the FCRAs maximum possible accuracy standard. Reporting late payments that are tied to fraudulent accounts, unverified data, or accounts affected by bankruptcy without proper verification creates a misleading credit profile. I disputed these late payments and requested that each be individually verified with original creditor documentation. \n\nDespite this, late payments continued to appear without adequate explanation or proof that the reporting was accurate. In some cases, late payment data appeared inconsistent across different credit bureaus, suggesting systemic inaccuracies rather than verified reporting. \n\nBankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a Chapter XXXX XXXX that was discharged and XXXX XXXX cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA. \n\nThe issues I identified include : Duplicate or redundant bankruptcy listings Inconsistent reporting across credit bureaus Incorrect dates or reference information Reporting that does not clearly reflect dismissal or discharge status I disputed these inconsistencies because inaccurate bankruptcy reporting unfairly magnifies negative impact and misrepresents my financial history. Each bankruptcy entry should be verified directly with court records and reported accurately and consistently. \n\nUnauthorized and Improper Credit Inquiries My credit reports also contain numerous credit inquiries that I do not recognize, did not authorize, or that appear connected to fraudulent or disputed accounts. Under FCRA 604, a credit inquiry may only be reported if the requester had a permissible purpose. \n\nI disputed inquiries that : I did not initiate Were generated without my consent Are linked to fraudulent accounts Appear duplicative or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and create an inaccurate record of my credit-seeking behavior. \n\nImpact on Me as a Consumer The continued reporting of fraudulent accounts, inaccurate late payments, improper bankruptcy information, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my credit scores, limited my access to fair credit terms, and required significant time and effort to address. \n\nI have acted in good faith throughout this process, following all required procedures, filing appropriate reports, and providing documentation when requested. The lack of timely and effective resolution has forced me to escalate this matter to the CFPB. \n\nWhy I Am Filing This CFPB Complaint I am filing this complaint because : Fraudulent information was not promptly removed despite an FTC Identity Theft Report Disputes were closed without proper reinvestigation Late payment reporting remains inaccurate and misleading Bankruptcy reporting is inconsistent and duplicative Unauthorized credit inquiries remain uncorrected These issues demonstrate systemic failures to comply with the FCRA and to protect consumers from inaccurate credit reporting. \n\nWhat I Am Seeking Through This Complaint I am seeking regulatory assistance to ensure that : Fraudulent accounts are blocked and removed Late payments are corrected or deleted if unverifiable Bankruptcy information is reported accurately and consistently Unauthorized inquiries are removed Credit bureaus comply fully with reinvestigation requirements I am requesting that the CFPB ensure that my disputes are handled lawfully and that my credit reports reflect only accurate, verified, and legally reportable information. \n\nThis narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly.","date_sent_to_company":"2025-12-15T19:00:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18048416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-15T18:46:59.000Z","state":"MO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly."]},"sort":[9.042669,"18048416"]},{"_index":"complaint-public-v1","_id":"17904419","_score":8.719962,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is update on existing LexisNexis Risk Solutions Inc ongoing problem and their answer today 's that require full answer and attachments of their reports, letter, my correspondence for full picture of non-compliance and violations, false statements. \n\n\nConsumer : XXXX XXXX XXXX XXXX Company : LexisNexis Risk Solutions Issue : False Public Records / Willful FCRA Violations State : California Complaint Narrative LexisNexis Risk Solutions ( LNRS ) has committed multiple willful violations of the Fair Credit Reporting Act ( FCRA ), California CCRAA, and the Rosenthal Act by publishing four false bankruptcy petitions, verifying them twice in writing, making a false statement to the CFPB, and admitting it has no reasonable accuracy procedures beyond scraping PACER. \nThese violations caused serious credit harm, including mortgage interference and financial injury. \n\nI am requesting CFPB enforcement, Sentinel escalation, and regulatory referral, and am seeking financial damages totaling {$480000.00}, with litigation exposure of {$1.00} XXXX based on willful statutory violations. \n\n\n1. LNRS Published Four Bankruptcy Petitions That Never Belonged to Me LNRS distributed four ( 4 ) dismissed bankruptcy petitions under my name : These petitions never belonged to me. \n\nThey were dismissed and should never have appeared on any consumer file. \n\nLNRS never matched SSN, DOB, address, or filing party identity. \n\nThis violates 15 U.S.C. 1681e ( b ), which requires CRAs to follow reasonable procedures to ensure maximum possible accuracy. \n\n\n2. LNRS Verified These False Bankruptcies Twice Proving Willfulness ( XXXX XXXX XXXX ) LNRS sent two separate written verifications : A. XX/XX/XXXX Letter LNRS wrote : We have reviewed the information from our Bankruptcy Records and determined the data is accurate. \n\nThis was false. \nLNRS knew ( or should have known ) all four cases were dismissed and not mine. \n\nB. XX/XX/XXXX Letter This second letter : Again stated the bankruptcies were accurate Did not include any procedures Admitted reliance solely on PACER Service Center This shows reckless disregard, which constitutes willfulness under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). \nLNRS doubled down on false data after notice a textbook 1681n willful violation. \n\n\n3. LNRS Made a False Statement to the CFPB ( XX/XX/XXXX Response ) In its response to my earlier CFPB complaint, LNRS falsely claimed : We previously mailed you a letter on XX/XX/XXXX with our procedures enclosed. \n\nThis is demonstrably false. \n\nThe XX/XX/XXXX mailing contained : no procedures, no accuracy controls, no reinvestigation methodology, no reasonable procedures description under 1681e ( b ), no disclosure required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). \n\nInstead, it was merely a second verification of the same false bankruptcies. \n\nProviding false information to the CFPB itself is a willful statutory violation, and demonstrates full awareness of noncompliance. \n\n\n4. LNRS Admitted Its Only Procedure Is PACER Scraping LNRS stated in writing that the source of its verification was : PACER Service Center. \n\n\nThis admission proves LNRS : does not verify identity, does not match consumers to docket parties, does not examine dispositions, does not check for dismissals, does not maintain accuracy systems, does not conduct a legally compliant reinvestigation. \n\nThis violates 15 U.S.C. 1681e ( b ) ( reasonable procedures ) and 1681i ( a ) ( reinvestigation duties ). \n\n\n5. LNRS Admitted It Is a Data-Reseller to CRAs LNRSs letter explicitly stated it provides credit report information to CRAs. \n\nThis triggers additional liability under : FCRA Furnisher Duties 15 U.S.C. 1681s-2 ( a ) California CCRAA Civil Code 1785.14 ( a ) Rosenthal Act Civil Code 1788.17 LNRS injected the false bankruptcies into the national credit system. \n\n\n6. Resulting Harm : Mortgage Interference and Financial Damage Due to LNRSs false bankruptcy reporting and repeated verification, I suffered : mortgage denial, damaged underwriting eligibility, increased lending risk classification, inability to qualify for rate programs, reputational financial injury. \n\n\nThese are actual damages under 15 U.S.C. 1681o. \n\n\n7. Four False Bankruptcies = Federal Court Data Misuse LNRS distributed incorrect federal bankruptcy court records in violation of accuracy standards. \n\nFor this reason, I am referring this matter to : U.S. Trustee Program Department of Justice U.S. Bankruptcy Trustee XXXX District of California 8. Pattern of Willfulness Justifying Maximum Remedies LNRS engaged in : 1. Publishing four false bankruptcies 2. Verifying them twice after notice 3. Failing to provide procedures 4. Making a false statement to the CFPB 5. Relying exclusively on PACER scraping 6. Acting as a credit data reseller without accuracy controls These acts satisfy willfulness under 15 U.S.C. 1681n. \n\n9. Request for CFPB Enforcement, Sentinel Escalation, and Regulatory Review Given the severity and multi-layered failures, I request : CFPB Sentinel Network escalation CFPB Enforcement Division review FTC Consumer Protection referral OCC and OIG coordination California Attorney General oversight Supervisory examination of LNRS procedures 10. Requested Resolution I request the CFPB require LNRS to : 1. Delete all four false bankruptcies from all LNRS systems. \n\n2. Provide actual accuracy procedures under 1681i ( a ) ( 6 ) ( B ) ( iii ). \n\n3. Notify every reseller partner of deletion. \n\n4. Correct its false statement made to the CFPB. \n\n5. Implement reasonable procedures under 1681e ( b ). \n\nAdditionally, I am seeking monetary compensation in the amount of {$480000.00} consistent with documented harm and willful statutory violations, with litigation exposure of {$1.00} XXXX should this matter proceed to court.","date_sent_to_company":"2025-12-10T00:31:08.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"94610","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"17904419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-12-10T00:21:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Consumer : XXXX XXXX XXXX XXXX Company : LexisNexis Risk Solutions Issue : False Public Records / Willful FCRA Violations State : California Complaint Narrative LexisNexis Risk Solutions ( LNRS ) has committed multiple willful violations of the Fair Credit Reporting Act ( FCRA ), California CCRAA, and the Rosenthal Act by publishing four false bankruptcy petitions, verifying them twice in writing, making a false statement to the CFPB, and admitting it has no reasonable accuracy procedures beyond"]},"sort":[8.719962,"17904419"]},{"_index":"complaint-public-v1","_id":"18234531","_score":8.624819,"_source":{"product":"Prepaid card","complaint_what_happened":"XXXX / CFPB Complaint Document Integrity & Ledger Authentication Failure Institution : Bank of America Arizona XXXX XXXX XXXX XXXX XXXX Primary Card Account : Ending XXXX Issue : False recordkeeping, fabricated dispute documentation, contradictory ledgers, unresolved {$2000.00} fraud claim Status : Ongoing unresolved since XXXX Summary This complaint focuses on the authenticity, accuracy, and credibility of Bank of Americas documentation, ledgers, and dispute records. The bank has produced inconsistent, contradictory, and newly fabricated documents to support its position including two additional contradictory records, multiple conflicting ledgers, and three sequentially numbered denial letters dated XX/XX/XXXX. \n\nA financial institution can not rely on unreliable documentation to claim closure of a dispute. \nIf the records are false, inconsistent, or newly generated, then the investigation is invalid.\n\nDocument Integrity Failures 1 Wrong Account Wrong Closure Bank of America asserts resolution on an account ending XXXX, while my legitimate XXXX card account is XXXX. \nNo lawful Reg XXXX closure can apply to an unrelated account. \nAny claim of closure tied to the wrong account is invalid on its face.\n\n2 Conflicting Ledgers that Can not Both Be True Bank of America submitted multiple different ledgers throughout the investigation, including two additional contradictory records created during active review. These ledgers differ in : transaction counts total dollar amounts ( over {$22000.00} variance ) whether provisional credits exist whether reversals exist whether zero-outs exist A bank can not present multiple versions of history. \nOnly XXXX ledger can be true and Bank of America refuses to authenticate which one.\n\n3 Ledger Evidence Proving Internal Manipulation Even Bank of Americas own records contradict their story. \n\nThey claim the dispute was resolved on XX/XX/XXXX. \n\nYet their ledger shows : On XX/XX/XXXX XXXX identical debits equaling {$2000.00} processed within the same second followed by another {$2000.00} posting. \n\nThis is internal batch dispute activity NOT XXXX, not merchant behavior. \nIf the claim was resolved, this activity would not exist.\n\n4 Frozen Account Claim Disproven by Their Own Records Bank of America states my account was frozen from XX/XX/XXXX XX/XX/XXXX. \nYet their own documents show : 70+ transactions totaling over {$5000.00} during the supposed freeze.\n\nA frozen account can not transact.\n\nTherefore, Bank of Americas documentation is false or manipulated. \n\nXXXX XXXX Confirmed They Did NOT Remove Funds Arizona XXXX Custodian of Records confirmed : XXXX does not debit claimant accounts XXXX issued no debit authorization There is no trace code or ACH request Meaning : Bank of America removed funds but continues to issue documents implying XXXX involvement. \nThat is misleading and deceptive. \n\nNew Evidence : Three Suspicious XX/XX/XXXX Denial Letters Recently, Bank of America mailed three re-evaluation denial letters, all dated XX/XX/XXXX, claiming final determinations. \nHowever, these letters : reference three different account numbers list three different claim amounts provide different denial stories Worse : Claim numbers are sequential : XXXX XXXX XXXX Sequential numbering proves they were newly created in the same batch, not historic independent investigations. \nThis is not archived record retrieval this is administrative fabrication. \n\nThese letters also appear on : outdated, legacy-style letterhead low-quality formatting inconsistent document design This raises authenticity concerns : Who created these? \n\nWhen were they actually created? \n\nWhy do they not match legitimate BoA correspondence standards? \n\nThis mirrors conduct BoA was sanctioned for previously : mass-generated dispute outcomes with no real investigation.\n\nBottom Line Bank of America can not : claim closure on the wrong account present multiple conflicting ledgers claim a freeze while transactions exist attribute debits to XXXX when XXXX confirms no involvement generate three sequential final decisions and still assert this claim is legitimately resolved Their documentation collapses under scrutiny. \nIf the records are false, the resolution is false. \nTherefore, the claim remains open. \n\nProof Account Remains Legally Open Federal Relief Funds Tie CARES Act unemployment benefits are federally protected emergency funds. Account closure prohibited while federal claim unresolved.\n\nWrong Account Attempt Closure claimed on XXXX, not real XXXX card. Invalidates any closure. \n\n\nPost- '' Closure '' Activity XX/XX/XXXX : XXXX mirror debits ( {$2000.00} ) in 1 second AFTER XX/XX/XXXX \" resolution '' proves account active.\n\n70+ Transactions During \" Freeze '' XXXX XXXX XXXX \" freeze '' shows $ XXXX activity. Frozen accounts don't transact. \n\nOngoing Federal Investigation Active CFPB probe + federal relief status prevents closure. \n\n\nBatch Denials Confirm Activity Three sequential XXXX letters ( # XXXX ) prove current system processing, not historical closure Requested Regulatory Actions Require Bank of America to : 1 Provide one authenticated, certified ledger for the entire dispute period 2 Explain and justify two additional contradictory records submitted during review 3 Provide an explanation of the 21-mirror reversal batch and identical {$2000.00} posting 4 Explain why three sequential denial letters were newly created in XXXX XXXX Certify whether XXXX removed funds ( with proof ), or formally admit they did not 6 Confirm, in writing, that the {$2000.00} dispute remains open 7 Explain the legal and factual basis for freezing and closing the account Conclusion This complaint is not about disagreement. \nThis complaint is about false records, manufactured documentation, contradictory ledgers, and lack of authentication. \n\nNo consumer should have to fight multiple versions of their own financial history. \nBank of America must be held accountable, and this claim must be corrected and resolved. \n\nConflicting Explanations for the Same {$1.00} Bank of America recently issued documentation concerning a {$1.00} balance tied to my unemployment card account. However, the bank provided two completely different explanations for the exact same {$1.00}, which can not both be true.\n\nIn one communication, Bank of America states the {$1.00} represents interest accumulation, implying the account remained active, maintained, and financially engaged long after they claim the matter was closed. Interest does not accrue on a dead account. Interest requires an account that is recognized, monitored, and still administratively alive. \n\nIn another communication, Bank of America claims the {$1.00} represents a closing balance payout, suggesting it was simply leftover money from final reconciliation at account closure.\n\nThese two positions directly contradict each other.\n\nEither : the account was still active and generating compliance-based interest, or it was closed and simply paying out a leftover balance. \n\nBoth can not be true. \n\nThis contradiction reinforces the broader pattern : Bank of America can not maintain a consistent factual narrative about this account or dispute. Their own records conflict with one another, further proving the account was never truly finalized, the dispute was not properly resolved, and the banks documentation lacks credibility and authenticity.\n\nFederal Emergency Relief Funds Heightened Responsibility The funds involved were federal emergency relief benefits issued during the COVID-19 disaster period, designed specifically to protect financially vulnerable individuals during a declared national emergency. These were federally backed unemployment relief funds, not discretionary deposits or routine consumer transactions. Because these benefits existed to stabilize families, prevent homelessness, maintain access to food, transportation, and continuity of life necessities, Bank of America carried a heightened duty of accuracy, care, integrity, and urgency when handling them. \n\nInstead, Bank of America : removed federal relief funds without lawful authority, failed to conduct a compliant Regulation E investigation, produced contradictory and newly fabricated documentation, misrepresented account status and activity, and delayed fair resolution for years.\n\nMismanaging federal emergency relief funds while issuing false or unreliable documentation to justify it is not just a consumer issue ; it is a public-interest and federal-integrity issue, because these funds were created to protect Americans in crisis. Bank failures here harm not only the claimant, but the intent of federal relief policy itself.","date_sent_to_company":"2025-12-23T00:23:34.000Z","issue":"Unexpected or other fees","sub_product":"Government benefit card","zip_code":"85020","tags":null,"has_narrative":true,"complaint_id":"18234531","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-12-22T23:03:07.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX / CFPB Complaint Document Integrity & Ledger Authentication Failure Institution : Bank of America Arizona XXXX XXXX XXXX XXXX XXXX Primary Card Account : Ending XXXX Issue : False recordkeeping, fabricated dispute documentation, contradictory ledgers, unresolved {$2000.00} fraud claim Status : Ongoing unresolved since XXXX 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