{"took":596,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":848,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15779917","_score":16.982996,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Incorrect information on credit report failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed information ). \n\nComplaint Narrative : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX.","date_sent_to_company":"2025-09-07T02:17:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"15779917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-07T01:56:48.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Issue : Incorrect <em>information</em> on <em>credit</em> <em>report</em> failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed <em>information</em> ). \n\n<em>Complaint</em> <em>Narrative</em> : I disputed multiple <em>inaccurate</em> and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.982996,"15779917"]},{"_index":"complaint-public-v1","_id":"15779786","_score":16.982996,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Incorrect information on credit report failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed information ). \n\nComplaint Narrative : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX.","date_sent_to_company":"2025-09-07T02:17:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"15779786","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-07T02:17:35.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Issue : Incorrect <em>information</em> on <em>credit</em> <em>report</em> failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed <em>information</em> ). \n\n<em>Complaint</em> <em>Narrative</em> : I disputed multiple <em>inaccurate</em> and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.982996,"15779786"]},{"_index":"complaint-public-v1","_id":"15764680","_score":16.940432,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Incorrect information on credit report failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed information ). \n\nComplaint Narrative : I disputed multiple inaccurate and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX.","date_sent_to_company":"2025-09-07T02:18:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"15764680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-07T02:17:35.000Z","state":"NV","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Issue : Incorrect <em>information</em> on <em>credit</em> <em>report</em> failure to correct or delete unverifiable data. \nLaw cited : FCRA XXXX ( Reinvestigation of disputed <em>information</em> ). \n\n<em>Complaint</em> <em>Narrative</em> : I disputed multiple <em>inaccurate</em> and unverifiable accounts with Experian via certified mail on XX/XX/year>. Despite providing proper identification and evidence, Experian failed to conduct a lawful reinvestigation within the XXXXday timeframe required by FCRA XXXX."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.940432,"15764680"]},{"_index":"complaint-public-v1","_id":"15780225","_score":16.308365,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate and contradictory reporting of my XXXX XXXX XXXX  XXXX account ( ending XXXX ) on my Equifax credit report. \nThe account is reported as Closed on XX/XX/XXXX with a {$0.00} balance and {$0.00} past due, yet Equifax also shows a Date of Last Payment of XX/XX/XXXX and an Actual Payment of {$200.00}. This is factually impossible for a closed and paid account. \nThe tradeline is also coded with the derogatory narrative Paid Charge Off, even though the account shows as paid/closed with {$0.00} due. Historical data blocks include post-closure Scheduled/Actual Payments in XXXX, which contradict the accounts status. \nI have disputed this account multiple times with Equifax. The most recent reinvestigation ( XX/XX/XXXX ) only modified historical information but left the contradictions unresolved. \nThis violates the FCRA ( 1681e ( b ), 1681i, 623 ( a ) ( 5 ) ), because the information is inaccurate and misleading.\n\nRequested remedy : Please remove the derogatory Paid Charge Off narrative, or delete the entire tradeline if XXXX can not provide accurate documentation ( original statements, charge-off ledger, correct DOFD, and XXXX XXXX XXXX ).","date_sent_to_company":"2025-09-08T05:57:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33433","tags":null,"has_narrative":true,"complaint_id":"15780225","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-08T05:57:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am filing a <em>complaint</em> regarding <em>inaccurate</em> and contradictory <em>reporting</em> of my XXXX XXXX XXXX  XXXX account ( ending XXXX ) on my Equifax <em>credit</em> <em>report</em>. \nThe account is <em>reported</em> as Closed on XX/XX/XXXX with a {$0.00} balance and {$0.00} past due, yet Equifax also shows a Date of Last Payment of XX/XX/XXXX and an Actual Payment of {$200.00}. This is factually impossible for a closed and paid account."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[16.308365,"15780225"]},{"_index":"complaint-public-v1","_id":"14470652","_score":16.303396,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this CFPB complaint against TransUnion for their continued failure to maintain accurate and verifiable information on my consumer credit report. Despite multiple disputes and attempts to resolve these issues directly with the bureau, the following inaccurate, unverifiable, and damaging items remain on my TransUnion credit report in violation of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. \nWrong Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Issue : This address is being falsely reported on my credit file by TransUnion. I have never resided at this address nor have I used it for any financial or personal purposes. Its presence is causing confusion, misrepresentation, and linking my credit profile to unknown data. \nViolation of Law : Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), TransUnion is obligated to maintain maximum possible accuracy in the information it includes in credit reports. Failing to remove a clearly incorrect address after my multiple disputes violates this federal responsibility.\n\nNarrative : I am a victim of serious reporting errors that have impacted my credit reputation and exposed me to potential fraud risk. Despite prior disputes, TransUnion continues to report this false address, disregarding my identity verification documents. This ongoing negligence is putting my financial security at risk and causing me emotional distress. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$4700.00} Issue : This account reflects late payments, which are inaccurately reported. I have made all payments as agreed or was in an authorized deferment period.\n\nViolation of Law : FCRA Section 623 ( a ) ( 1 ) ( A ) requires furnishers not to report inaccurate information. Additionally, 15 U.S.C. 1681i mandates TransUnion to conduct a reasonable reinvestigation when a dispute is filed.\n\nNarrative : Despite submitting documentation showing my loans were in deferment or forbearance, TransUnion continues to list this account as late. This misinformation is harming my XXXX XXXX and limiting my financial opportunities. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3500.00} Issue : Late payment entries are incorrect as I was in a federally approved forbearance program during the periods in question. \nViolation of Law : 15 U.S.C. 1681e ( b ) requires credit bureaus to ensure accuracy. Reporting missed payments during approved forbearance directly violates this standard. \nNarrative : I repeatedly asked XXXX and TransUnion to validate and correct this, providing evidence of forbearance approval. TransUnions refusal to properly investigate violates my rights and continues to damage my credit reputation. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$1900.00} Issue : This account has late payment notations that were never verified and are inaccurate. \nViolation of Law : FCRA Sections 611 and 623 require proper investigation and correction upon dispute.\n\nNarrative : I have requested validation and provided proof, but TransUnion failed to correct the erroneous data, demonstrating non-compliance and willful negligence. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7100.00} Issue : Reported as delinquent during a deferment period that was fully authorized. \nViolation of Law : Reporting derogatory information during a valid deferment period constitutes a violation of the CARES Act and the FCRA.\n\nNarrative : My federal loan was in deferment during the reported delinquency. I have submitted multiple disputes with documentation, yet TransUnion continues to publish false derogatory marks. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3800.00} Issue : TransUnion is inaccurately reporting late payments while my account was in active deferment. \nViolation of Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates reinvestigation and correction of disputed inaccuracies. \nNarrative : XXXX has verified my deferment, yet TransUnion refuses to update or remove the inaccurate information. This is causing me reputational and financial damage, particularly in loan application rejections. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7100.00} Issue : False reporting of late payments, which contradicts forbearance records Ive provided. \nViolation of Law : FCRA and CARES Act protections were ignored. Reporting negative information during forbearance is deceptive and illegal. \nNarrative : Ive suffered financial harm due to this misinformation, including a denied mortgage pre-approval. My dispute has been ignored and the data remains unchanged despite my evidence. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3700.00} Issue : The account reflects inaccurate late payment reporting. I was under hardship forbearance at the time, which I documented. \nViolation of Law : The FCRAs duty to ensure maximum accuracy ( Section 607 ( b ) ) and proper reinvestigation ( Section 611 ) were not followed.\n\nNarrative : TransUnion has shown disregard for federally mandated borrower protections. Their reporting has directly caused credit score damage and emotional distress. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$160.00} Issue : Late payment entries are false, as payments were either current or in a temporary COVID-related deferment. \nViolation of Law : This is a violation of the FCRA and CARES Act protections under Section 4021.\n\nNarrative : TransUnion 's failure to align with federal guidance during the pandemic has led to false reporting and negative consequences in my credit profile. Despite providing proof, no action was taken to fix it. \nConclusion : I am submitting this CFPB complaint due to TransUnions ongoing failure to fulfill its legal obligations under the FCRA and related consumer protection laws. Despite my formal disputes, TransUnion continues to report false addresses and misrepresents multiple XXXX student loan accounts with inaccurate late payments. These errors are severely impacting my credit profile, financial access, and mental well-being. I request immediate reinvestigation and permanent deletion of the inaccurate address and all XXXX late payment entries from my credit report.","date_sent_to_company":"2025-07-04T14:25:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27615","tags":null,"has_narrative":true,"complaint_id":"14470652","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-04T14:14:00.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this CFPB <em>complaint</em> against TransUnion for their continued failure to maintain accurate and verifiable <em>information</em> on my consumer <em>credit</em> <em>report</em>. Despite multiple disputes and attempts to resolve these issues directly with the bureau, the following <em>inaccurate</em>, unverifiable, and damaging items remain on my TransUnion <em>credit</em> <em>report</em> in violation of federal law, including but not limited to the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S. Code 1681 et seq."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[16.303396,"14470652"]},{"_index":"complaint-public-v1","_id":"15780221","_score":16.224134,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate and contradictory reporting of my XXXX XXXX XXXX  XXXX account ( ending XXXX ) on my Equifax credit report. \nThe account is reported as Closed on XX/XX/XXXX with a {$0.00} balance and {$0.00} past due, yet Equifax also shows a Date of Last Payment of XX/XX/XXXX and an Actual Payment of {$200.00}. This is factually impossible for a closed and paid account. \nThe tradeline is also coded with the derogatory narrative Paid Charge Off, even though the account shows as paid/closed with {$0.00} due. Historical data blocks include post-closure Scheduled/Actual Payments in XXXX, which contradict the accounts status. \nI have disputed this account multiple times with Equifax. The most recent reinvestigation ( XX/XX/XXXX ) only modified historical information but left the contradictions unresolved. \nThis violates the FCRA ( 1681e ( b ), 1681i, 623 ( a ) ( 5 ) ), because the information is inaccurate and misleading.\n\nRequested remedy : Please remove the derogatory Paid Charge Off narrative, or delete the entire tradeline if XXXX can not provide accurate documentation ( original statements, charge-off ledger, correct DOFD, and XXXX XXXX XXXX ).","date_sent_to_company":"2025-09-08T05:57:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33433","tags":null,"has_narrative":true,"complaint_id":"15780221","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-08T05:57:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am filing a <em>complaint</em> regarding <em>inaccurate</em> and contradictory <em>reporting</em> of my XXXX XXXX XXXX  XXXX account ( ending XXXX ) on my Equifax <em>credit</em> <em>report</em>. \nThe account is <em>reported</em> as Closed on XX/XX/XXXX with a {$0.00} balance and {$0.00} past due, yet Equifax also shows a Date of Last Payment of XX/XX/XXXX and an Actual Payment of {$200.00}. This is factually impossible for a closed and paid account."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[16.224134,"15780221"]},{"_index":"complaint-public-v1","_id":"14236881","_score":16.152044,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian for gross and continued violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, due to inaccurate information being reported on my credit file, including inaccurate accounts, misreported late payments, charge-offs, and an address I have never resided at.\n\nDespite multiple disputes, Experian has failed to conduct a reasonable investigation, continues to report false and damaging information, and refuses to remove accounts that are either inaccurate, unverifiable, or incorrectly associated with my identity. \nWrong Address Reported XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Wrong Address I have never resided at or been affiliated with this address. \nReporting this address is a violation of FCRA 1681e ( b ) which mandates that credit bureaus must maintain accurate and up-to-date information.\n\nThis false address has caused confusion, misidentification, and likely data merge with accounts that do not belong to me.\n\nInaccurate or Misreported Accounts 1. XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX High Balance : {$260000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681s-2 ( b ) Failure to correct or delete inaccurate information after dispute o Narrative : This mortgage account shows late payments that I have no knowledge of, and I have never been late based on my bank statements. No verification documents were provided upon dispute.\n\n2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX o Issue : Charged Off o Violation : FCRA XXXX ( a ) Failure to properly reinvestigate disputed information o Narrative : This account is reporting a charge-off without proper validation. I requested documentation and none was provided. I also never opened an account on this date. \n3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$880.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681e ( b ) Inaccurate data retention o Narrative : Late payments reported here are inaccurate. I have proof of on-time payments and Experian failed to update even after dispute. \n4. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$240.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681i ( a ) o Narrative : This account contains late payment entries that are not accurate. XXXX could not verify the delinquencies when contacted. \n5. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FDCPA 1692e False or misleading representation o Narrative : I dispute the late payments reflected here. XXXX XXXX has multiple inaccuracies reported across bureaus which I suspect are due to reporting errors or data mix-up. \n6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681c Obsolete account reporting o Narrative : XXXX is reporting late payments past the legally permissible time. This is outdated and damaging to my credit file. \n7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$760.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681s-2 o Narrative : This account shows immediate delinquency right after opening, which is factually impossible. No documentation was provided after dispute. \n8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FDCPA 1692g Failure to validate o Narrative : These late payments are disputed and unverifiable. I have made consistent payments and XXXX has not confirmed any details. \n9. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$84000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681s-2 ( b ) ( 1 ) ( D ) Furnishers must correct or delete inaccurate information o Narrative : These loans were placed in forbearance during COVID and should not show delinquencies. This misreporting is hurting my credit. \n10. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$7700.00} | Date Opened : XX/XX/XXXX o Issue : Charge-Off o Violation : FCRA 1681c ( a ) ( 4 ) Reporting obsolete charge-off o Narrative : This account is inaccurately listed as charged-off. There was a payment plan and resolution, which is not reflected.\n\n11. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$44000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681i Failure to reinvestigate disputed information o Narrative : Account reflects multiple late payments without any notice to me. XXXX failed to respond to dispute with documentation. \nInaccurate Hard Inquiries XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX o Issue : Unverified inquiries o Violation : FCRA 1681b Permissible purpose required o Narrative : These inquiries were made without my consent and I have no existing relationship with some of these institutions at the time of inquiry.\n\nRequested Relief I respectfully request the Consumer Financial Protection Bureau to : 1. Conduct a full investigation into Experians failure to comply with federal consumer protection laws.\n\n2. Compel Experian to remove or correct the following : o All inaccurate and unverifiable late payments, charge-offs, and inquiries. \no The incorrect address ( XXXX XXXX XXXX XXXX, XXXX, AZ ). \nXXXX. Ensure Experian provides full documentation or deletes unverifiable items under FCRA 1681i ( a ) ( 5 ) ( A ).\n\n4. Sanction Experian for willful and negligent violations under FCRA 1681n and 1681o.","date_sent_to_company":"2025-06-23T20:58:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"238XX","tags":null,"has_narrative":true,"complaint_id":"14236881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-23T20:55:27.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> against Experian for gross and continued violations of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, due to <em>inaccurate</em> <em>information</em> being <em>reported</em> on my <em>credit</em> file, including <em>inaccurate</em> accounts, misreported late payments, charge-offs, and an address I have never resided at."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.152044,"14236881"]},{"_index":"complaint-public-v1","_id":"18283218","_score":15.986092,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative I am submitting this complaint regarding inaccurate and inconsistent credit reporting related to multiple tradelines furnished by XXXX XXXX Department of Education and reported by XXXX, Equifax, and XXXX. \n\nI have identified ten separate tradelines ( listed in the attached table labeled Document 7 ) that contain materially inconsistent and unverifiable information across the credit bureaus. These inconsistencies include : different account numbers for the same alleged obligations conflicting opened dates conflicting reported dates missing or contradictory last payment information inconsistent creditor name and phone number listings Because the same accounts appear with materially different data depending on the bureau, the information can not be verified as accurate. \n\nI have attached a table summarizing each tradeline and the discrepancies observed, along with supporting credit report excerpts. These inconsistencies demonstrate failures to maintain accurate reporting and failures to correct inaccurate information after notice. \n\nI am requesting that the CFPB review this matter and require correction or deletion of the inaccurately reported tradelines, and ensure that the furnishers and consumer reporting agencies comply with their obligations under the Fair Credit Reporting Act.","date_sent_to_company":"2025-12-25T18:15:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85392","tags":null,"has_narrative":true,"complaint_id":"18283218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-25T18:15:22.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> I am submitting this <em>complaint</em> regarding <em>inaccurate</em> and inconsistent <em>credit</em> <em>reporting</em> related to multiple tradelines furnished by XXXX XXXX Department of Education and <em>reported</em> by XXXX, Equifax, and XXXX. \n\nI have identified ten separate tradelines ( listed in the attached table labeled Document 7 ) that contain materially inconsistent and unverifiable <em>information</em> across the <em>credit</em> bureaus."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[15.986092,"18283218"]},{"_index":"complaint-public-v1","_id":"18283217","_score":15.957091,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative I am submitting this complaint regarding inaccurate and inconsistent credit reporting related to multiple tradelines furnished by XXXX XXXX Department of Education and reported by XXXX XXXX and TransUnion. \n\nI have identified ten separate tradelines ( listed in the attached table labeled Document XXXX ) that contain materially inconsistent and unverifiable information across the credit bureaus. These inconsistencies include : different account numbers for the same alleged obligations conflicting opened dates conflicting reported dates missing or contradictory last payment information inconsistent creditor name and phone number listings Because the same accounts appear with materially different data depending on the bureau, the information can not be verified as accurate. \n\nI have attached a table summarizing each tradeline and the discrepancies observed, along with supporting credit report excerpts. These inconsistencies demonstrate failures to maintain accurate reporting and failures to correct inaccurate information after notice. \n\nI am requesting that the CFPB review this matter and require correction or deletion of the inaccurately reported tradelines, and ensure that the furnishers and consumer reporting agencies comply with their obligations under the Fair Credit Reporting Act.","date_sent_to_company":"2025-12-25T18:15:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85392","tags":null,"has_narrative":true,"complaint_id":"18283217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-25T18:15:22.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> I am submitting this <em>complaint</em> regarding <em>inaccurate</em> and inconsistent <em>credit</em> <em>reporting</em> related to multiple tradelines furnished by XXXX XXXX Department of Education and <em>reported</em> by XXXX XXXX and TransUnion. \n\nI have identified ten separate tradelines ( listed in the attached table labeled Document XXXX ) that contain materially inconsistent and unverifiable <em>information</em> across the <em>credit</em> bureaus."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[15.957091,"18283217"]},{"_index":"complaint-public-v1","_id":"14824865","_score":15.951756,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting a formal complaint against Discover for reporting inaccurate and unverifiable information on my credit report. \n\nThe account ( ending in XXXX XXXXXXXX ) is marked as a charge-off with derogatory late payments ( XXXX ), but contains inconsistent balance and payment reporting, and narrative codes suggesting unresolved disputes. Under FCRA 1681e ( b ) and 1681i ( a ), this information must be either corrected or removed if it can not be verified. \n\nI have submitted formal dispute letters to XXXX and received no satisfactory resolution. I am requesting the CFPB 's assistance in having this account permanently deleted from my credit report due to its unverifiable and inaccurate status. \n\nAttached : XXXX Dispute letters to the XXXX bureaus and credit report extract from XXXX","date_sent_to_company":"2025-07-23T06:28:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85254","tags":null,"has_narrative":true,"complaint_id":"14824865","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-07-23T06:16:46.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am submitting a formal <em>complaint</em> against Discover for <em>reporting</em> <em>inaccurate</em> and unverifiable <em>information</em> on my <em>credit</em> <em>report</em>. \n\nThe account ( ending in XXXX XXXXXXXX ) is marked as a charge-off with derogatory late payments ( XXXX ), but contains inconsistent balance and payment <em>reporting</em>, and <em>narrative</em> codes suggesting unresolved disputes. Under FCRA 1681e ( b ) and 1681i ( a ), this <em>information</em> must be either corrected or removed if it can not be verified."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[15.951756,"14824865"]},{"_index":"complaint-public-v1","_id":"17870732","_score":15.799495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT Consumer : XXXX XXXX Creditor : Capital One Bank USA, N.A. \nAccount Number : XXXX Summary : I am filing this complaint because Capital One and all three credit reporting agencies are reporting inaccurate, incomplete, and contradictory information concerning the Capital One credit card account listed above. \nDetailed Issues : 1. Inconsistent Date Closed and charge-off reporting.\n\n2. Missing Date of Last Payment on XXXX XXXX XXXX \n3. Inconsistent or missing Date of First Delinquency. \nXXXX XXXX  reports charge-off months after status update. \nXXXX XXXX reports scheduled payments after charge-off. \nXXXX. Narrative/remark code conflicts across bureaus. \n7. High credit/credit limit reporting conflicts.","date_sent_to_company":"2025-12-09T14:09:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"388XX","tags":null,"has_narrative":true,"complaint_id":"17870732","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-21T17:22:19.000Z","state":"MS","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["CFPB <em>COMPLAINT</em> Consumer : XXXX XXXX Creditor : Capital One Bank USA, N.A. \nAccount Number : XXXX Summary : I am filing this <em>complaint</em> because Capital One and all three <em>credit</em> <em>reporting</em> agencies are <em>reporting</em> <em>inaccurate</em>, incomplete, and contradictory <em>information</em> concerning the Capital One <em>credit</em> card account listed above. \nDetailed Issues : 1. Inconsistent Date Closed and charge-off <em>reporting</em>.\n\n2. Missing Date of Last Payment on XXXX XXXX XXXX \n3."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[15.799495,"17870732"]},{"_index":"complaint-public-v1","_id":"21716234","_score":15.697597,"_source":{"product":"Debt collection","complaint_what_happened":"Company complained about : XXXX  Product : Debt collection/Credit Reporting Issue : Incorrect information on my report/Problem with investigation/Attempts to collect debt not owed Complaint narrative : I am submitting this complaint because inaccurate and/ or incomplete information remains on my consusmer report after multiple written disputes. I disputed the account with XXXX  on XXXX, and XX/XX/year>. I also contacted the furnisher, Spring Oaks Capital LLC, XX/XX/year>. \n\nUnder the Fair Credit Reporting Act, consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes inaccurate or incomplete information, and furnishers must investigate disputes forwarded to them and correct or delete inaccurate, incomplete, or unverifiable information. The responses I received did not address my specific dispute or provide documentation proving the account is reporting accurately. \n\nI am requesting that the company complete a proper investigation, provide documentation supporting that reporting, correct all inaccurate fields, and delete the account if it can not be verified as complete and accurate. I have supporting documents, dispute letters, certified mail receipts, and bureau responses available for review. \n\nRequested resolution : Delete or correct the inaccurate reporting and provide written confirmation.","date_sent_to_company":"2026-04-29T18:07:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"775XX","tags":null,"has_narrative":true,"complaint_id":"21716234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2026-04-29T18:03:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Company complained about : XXXX  Product : Debt collection/<em>Credit</em> <em>Reporting</em> Issue : Incorrect <em>information</em> on my <em>report</em>/Problem with investigation/Attempts to collect debt not owed <em>Complaint</em> <em>narrative</em> : I am submitting this <em>complaint</em> because <em>inaccurate</em> and/ or incomplete <em>information</em> remains on my consusmer <em>report</em> after multiple written disputes. I disputed the account with XXXX  on XXXX, and XX/XX/year>. I also contacted the furnisher, Spring Oaks Capital LLC, XX/XX/year>."]},"sort":[15.697597,"21716234"]},{"_index":"complaint-public-v1","_id":"19954788","_score":15.69322,"_source":{"product":"Mortgage","complaint_what_happened":"Servicers : Bank of America, XXXX, Shellpoint Trustee : XXXX  XXXX XXXX XXXX  XXXX ( XXXX XXXX ) SHORT NARRATIVE I made XXXX Trial Period Plan payments totaling {$68000.00}. Bank of America never credited these payments. Their internal register shows they were posted as Misc Postings.\n\nLater servicers reported inconsistent balances, including a recent IRS XXXX XXXX showing {$330000.00}, contradicting prior statements. \n\nThe foreclosure was based on inaccurate balances, and the property was sold for {$100.00}. \n\nI request investigation into servicing errors, failure to credit payments, inaccurate balances, and improper foreclosure. \n\nAdditional information provided by consumer : XXXX2026 Consumer is calling due to additional info request. Consumer wants the complaint to go to Shellpoint she understands 1 company per complaint and will file another complaint for BofA","date_sent_to_company":"2026-04-14T13:53:53.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"07869","tags":"Older American","has_narrative":true,"complaint_id":"19954788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2026-03-04T05:35:29.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Changes in loan terms during the application process"},"highlight":{"complaint_what_happened":["The foreclosure was based on <em>inaccurate</em> balances, and the property was sold for {$100.00}. \n\nI request investigation into servicing errors, failure to <em>credit</em> payments, <em>inaccurate</em> balances, and improper foreclosure. \n\nAdditional <em>information</em> provided by consumer : XXXX2026 Consumer is calling due to additional info request. Consumer wants the <em>complaint</em> to go to Shellpoint she understands 1 company per <em>complaint</em> and will file another <em>complaint</em> for BofA"]},"sort":[15.69322,"19954788"]},{"_index":"complaint-public-v1","_id":"21715935","_score":15.64224,"_source":{"product":"Debt collection","complaint_what_happened":"Company complained about : XXXX  Product : Debt collection/Credit Reporting Issue : Incorrect information on my report/Problem with investigation/Attempts to collect debt not owed Complaint narrative : I am submitting this complaint because inaccurate and/ or incomplete information remains on my consusmer report after multiple written disputes. I disputed the account with XXXX on XXXX, and XX/XX/year>. I also contacted the furnisher, Ability Recovery Services LLC, XX/XX/year>. \n\nUnder the Fair Credit Reporting Act, consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes inaccurate or incomplete information, and furnishers must investigate disputes forwarded to them and correct or delete inaccurate, incomplete, or unverifiable information. The responses I received did not address my specific dispute or provide documentation proving the account is reporting accurately. \n\nI am requesting that the company complete a proper investigation, provide documentation supporting that reporting, correct all inaccurate fields, and delete the account if it can not be verified as complete and accurate. I have supporting documents, dispute letters, certified mail receipts, and bureau responses available for review. \n\nRequested resolution : Delete or correct the inaccurate reporting and provide written confirmation.","date_sent_to_company":"2026-04-29T18:00:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"775XX","tags":null,"has_narrative":true,"complaint_id":"21715935","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ability Recovery Services, LLC","date_received":"2026-04-29T17:54:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Company complained about : XXXX  Product : Debt collection/<em>Credit</em> <em>Reporting</em> Issue : Incorrect <em>information</em> on my <em>report</em>/Problem with investigation/Attempts to collect debt not owed <em>Complaint</em> <em>narrative</em> : I am submitting this <em>complaint</em> because <em>inaccurate</em> and/ or incomplete <em>information</em> remains on my consusmer <em>report</em> after multiple written disputes. I disputed the account with XXXX on XXXX, and XX/XX/year>. I also contacted the furnisher, Ability Recovery Services LLC, XX/XX/year>."]},"sort":[15.64224,"21715935"]},{"_index":"complaint-public-v1","_id":"15324944","_score":15.633116,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative XXXX XXXX XXXX I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The delinquency on my account ( # XXXX ) has been altered multiple times : XX/XX/year>, XX/XX/year>, and then XX/XX/year>. This repeated shifting creates a false representation of my payment history. \nDespite my prior dispute with the credit reporting agencies, XXXX XXXX XXXX has continued to report contradictory information. This violates : - FCRA 623 ( a ) ( 1 ) ( A ) - FCRA 607 ( b ) I request that the CFPB require XXXX XXXX XXXX and the credit bureaus to delete the inaccurate late payment history from my credit file. I am prepared to escalate to the Michigan Attorney General if necessary. \nSupporting documents : ID, proof of address, dispute correspondence, credit reports showing changing dates.","date_sent_to_company":"2025-08-17T05:52:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"15324944","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-17T05:51:42.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> XXXX XXXX XXXX I am filing this <em>complaint</em> regarding <em>inaccurate</em> <em>credit</em> <em>reporting</em> by XXXX XXXX XXXX. The delinquency on my account ( # XXXX ) has been altered multiple times : XX/XX/year>, XX/XX/year>, and then XX/XX/year>. This repeated shifting creates a false representation of my payment history. \nDespite my prior dispute with the <em>credit</em> <em>reporting</em> agencies, XXXX XXXX XXXX has continued to <em>report</em> contradictory <em>information</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.633116,"15324944"]},{"_index":"complaint-public-v1","_id":"15324943","_score":15.605871,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative XXXX XXXX XXXX I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The delinquency on my account ( # XXXX ) has been altered multiple times : XX/XX/year>, XX/XX/year>, and then XX/XX/year>. This repeated shifting creates a false representation of my payment history. \nDespite my prior dispute with the credit reporting agencies, XXXX XXXX XXXX has continued to report contradictory information. This violates : - FCRA 623 ( a ) ( 1 ) ( A ) - FCRA 607 ( b ) I request that the CFPB require XXXX XXXX XXXX and the credit bureaus to delete the inaccurate late payment history from my credit file. I am prepared to escalate to the Michigan Attorney General if necessary. \nSupporting documents : ID, proof of address, dispute correspondence, credit reports showing changing dates.","date_sent_to_company":"2025-08-17T05:52:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"15324943","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-17T05:51:42.000Z","state":"MI","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> XXXX XXXX XXXX I am filing this <em>complaint</em> regarding <em>inaccurate</em> <em>credit</em> <em>reporting</em> by XXXX XXXX XXXX. The delinquency on my account ( # XXXX ) has been altered multiple times : XX/XX/year>, XX/XX/year>, and then XX/XX/year>. This repeated shifting creates a false representation of my payment history. \nDespite my prior dispute with the <em>credit</em> <em>reporting</em> agencies, XXXX XXXX XXXX has continued to <em>report</em> contradictory <em>information</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.605871,"15324943"]},{"_index":"complaint-public-v1","_id":"18155060","_score":15.469306,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Credit Reporting Issue : Incorrect information ; failure to investigate ; unverifiable collection reporting. Complaint Narrative\nCavalry Portfolio Services is reporting a collection account originally attributed to XXXX XXXX  with a balance of {$750.00} on my XXXX  credit file. Despite dispute, no competent evidence has been provided establishing lawful ownership, authority to collect, or a complete itemized accounting. XXXX  has failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i and has continued reporting in violation of 1681e ( b ).\n\nUnder 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be deleted. Continued reporting also violates 15 U.S.C. 1692g ( b ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nProduct : Credit Reporting Issue : Incorrect information on credit report ; failure to investigate ; unverifiable charge-off reporting.\n\nComplaint Narrative XXXX XXXX is reporting a charged-off credit card account with a balance of {$1400.00} that is inaccurate, incomplete, and unverifiable. Despite dispute, XXXX has failed to provide competent documentary evidence of a legally enforceable obligation or a complete itemized accounting validating the balance. The account continues to be updated after charge-off, materially misrepresenting its status. \nXXXX  and XXXX have failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and have continued reporting in violation of 15 U.S.C. 1681e ( b ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be deleted.","date_sent_to_company":"2025-12-18T21:22:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"00926","tags":null,"has_narrative":true,"complaint_id":"18155060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAVALRY INVESTMENTS, LLC","date_received":"2025-12-18T21:09:22.000Z","state":"PR","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Product : <em>Credit</em> <em>Reporting</em> Issue : Incorrect <em>information</em> ; failure to investigate ; unverifiable collection <em>reporting</em>. <em>Complaint</em> <em>Narrative</em>\nCavalry Portfolio Services is <em>reporting</em> a collection account originally attributed to XXXX XXXX  with a balance of {$750.00} on my XXXX  <em>credit</em> file. Despite dispute, no competent evidence has been provided establishing lawful ownership, authority to collect, or a complete itemized accounting."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.469306,"18155060"]},{"_index":"complaint-public-v1","_id":"15913588","_score":15.299818,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX \n\nThis demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.","date_sent_to_company":"2025-09-13T05:30:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21702","tags":null,"has_narrative":true,"complaint_id":"15913588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T05:09:44.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Company : Equifax <em>Information</em> Services, LLC <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>complaint</em> against Equifax for failure to comply with the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been <em>inaccurately</em> <em>reported</em> on my Equifax <em>credit</em> file."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.299818,"15913588"]},{"_index":"complaint-public-v1","_id":"15913409","_score":15.299818,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX \n\nThis demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.","date_sent_to_company":"2025-09-13T05:30:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21702","tags":null,"has_narrative":true,"complaint_id":"15913409","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T05:29:06.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Company : Equifax <em>Information</em> Services, LLC <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>complaint</em> against Equifax for failure to comply with the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been <em>inaccurately</em> <em>reported</em> on my Equifax <em>credit</em> file."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.299818,"15913409"]},{"_index":"complaint-public-v1","_id":"15913408","_score":15.291277,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX \n\nThis demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.","date_sent_to_company":"2025-09-13T05:30:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21702","tags":null,"has_narrative":true,"complaint_id":"15913408","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T05:29:06.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Company : Equifax <em>Information</em> Services, LLC <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>complaint</em> against Equifax for failure to comply with the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been <em>inaccurately</em> <em>reported</em> on my Equifax <em>credit</em> file."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.291277,"15913408"]},{"_index":"complaint-public-v1","_id":"18397538","_score":15.126766,"_source":{"product":"Debt collection","complaint_what_happened":"Product : Loan or line of credit Issue : Incorrect information on credit report Complaint Narrative I am disputing inaccurate credit reporting by Fortiva Retail Credit related to a XXXX XXXX XXXX XXXX loan. I cancelled my XXXX service in writing via certified letter on XX/XX/year>. XXXX failed to process the cancellation, failed to retrieve equipment despite multiple requests, and continued providing service. XXXX has now confirmed the cancellation in writing. \n\nI contacted Fortiva by telephone to explain the dispute and was told to resolve it with XXXX. Despite the ongoing dispute and merchant non-performance, Fortiva reported late payments for XXXX, XXXX, and XX/XX/year>. \n\nThese late payments are inaccurate and violate the Fair Credit Reporting Act because the underlying transaction was disputed and unresolved due to the merchants failure to act. \n\nI am requesting : Removal or correction of the reported late payments Proper investigation of the dispute Written confirmation of the outcome","date_sent_to_company":"2025-12-31T22:17:04.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"30127","tags":"Older American","has_narrative":true,"complaint_id":"18397538","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2025-12-31T21:43:49.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Product : Loan or line of <em>credit</em> Issue : Incorrect <em>information</em> on <em>credit</em> <em>report</em> <em>Complaint</em> <em>Narrative</em> I am disputing <em>inaccurate</em> <em>credit</em> <em>reporting</em> by Fortiva Retail <em>Credit</em> related to a XXXX XXXX XXXX XXXX loan. I cancelled my XXXX service in writing via certified letter on XX/XX/year>. XXXX failed to process the cancellation, failed to retrieve equipment despite multiple requests, and continued providing service. XXXX has now confirmed the cancellation in writing."],"sub_product":["<em>Credit</em> card debt"]},"sort":[15.126766,"18397538"]},{"_index":"complaint-public-v1","_id":"16230326","_score":14.924348,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue Category : Credit reporting Incorrect information on your report Company : TransUnion LLC Complaint Narrative ( paste into CFPB form ) : I am filing this complaint against TransUnion for continuing to report fraudulent and inaccurate derogatory information on my consumer credit report. \n\nI was directly affected by the recent TransUnion data breach, during which my personal and financial information was compromised. As a result, unauthorized, inaccurate, and unverifiable derogatory remarks now appear on my credit file. These entries are damaging my creditworthiness and causing me financial harm. \nDespite my formal written dispute, TransUnion has failed to immediately remove or correct these derogatory items. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, TransUnion must conduct a reasonable reinvestigation and delete information that can not be verified. Further, 1681e ( b ) requires TransUnion to maintain maximum possible accuracy, which is impossible given their recent security failure and inability to safeguard consumer data.\n\nAdditionally, pursuant to UCC 3-501, I have demanded strict validation of any contracts or lawful assignments proving I authorized these accounts. No such proof has been provided.","date_sent_to_company":"2025-09-28T15:30:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20716","tags":null,"has_narrative":true,"complaint_id":"16230326","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-28T15:19:59.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Issue Category : <em>Credit</em> <em>reporting</em> Incorrect <em>information</em> on your <em>report</em> Company : TransUnion LLC <em>Complaint</em> <em>Narrative</em> ( paste into CFPB form ) : I am filing this <em>complaint</em> against TransUnion for continuing to <em>report</em> fraudulent and <em>inaccurate</em> derogatory <em>information</em> on my consumer <em>credit</em> <em>report</em>. \n\nI was directly affected by the recent TransUnion data breach, during which my personal and financial <em>information</em> was compromised."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.924348,"16230326"]},{"_index":"complaint-public-v1","_id":"15516078","_score":14.8882,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative : I am filing this complaint because the credit bureaus are reporting an XXXX XXXX XXXX account that does not belong to me. \n\nThe disputed account details are as follows : Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$0.00} This account is fully paid and not mine. It is inaccurately showing on my report with a late payment, which is damaging my credit. \n\nI have disputed this information directly with the bureaus under the Fair Credit Reporting Act ( FCRA ), specifically : 602 ( 15 U.S.C. 1681 ) Requires maximum possible accuracy.\n\n605 ( 15 U.S.C. 1681c ) Prohibits the reporting of inaccurate or outdated information.\n\n611 ( 15 U.S.C. 1681i ) Gives me the right to dispute inaccurate information and requires reinvestigation within 30 days.\n\nDespite my disputes, the bureaus continue to report this account as in dispute or with derogatory late payment history. This violates the FCRA and constitutes misleading reporting under the FDCPA 807 ( 15 U.S.C. 1692e ).\n\nI demand that this account be immediately deleted from all my credit files and that written confirmation of its deletion be provided.\n\nI have attached copies of my dispute letters, government-issued ID, proof of address, and credit reports showing the inaccurate reporting.","date_sent_to_company":"2025-08-26T14:57:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"15516078","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-26T14:56:40.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> : I am filing this <em>complaint</em> because the <em>credit</em> bureaus are <em>reporting</em> an XXXX XXXX XXXX account that does not belong to me. \n\nThe disputed account details are as follows : Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$0.00} This account is fully paid and not mine. It is <em>inaccurately</em> showing on my <em>report</em> with a late payment, which is damaging my <em>credit</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.8882,"15516078"]},{"_index":"complaint-public-v1","_id":"15643393","_score":14.854262,"_source":{"product":"Student loan","complaint_what_happened":"Complaint to CFPB Credit Reporting / FCRA Violations Company : XXXX XXXX Product : Credit reporting or other personal consumer reports Issue : Inaccurate information on credit report Complaint Narrative : XXXX  is inaccurately reporting my federally backed student loans as being included in bankruptcy. This reporting is false and misleading. My student loans were never XXXX or included in bankruptcy ; they are currently in deferment status. \nI have contacted XXXX  and disputed these inaccuracies in writing and by phone. Despite providing supporting information, XXXX  has refused to correct or remove the inaccurate bankruptcy notation. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( failure to reasonably reinvestigate disputed information ). \nHarm Suffered : Because of this false bankruptcy reporting, my credit score has been drastically reduced, and I have been denied credit opportunities that I would otherwise qualify for. This has caused financial hardship and reputational damage.\n\nRequested Relief : Immediate deletion of the false bankruptcy reporting from my XXXX  file. \nProper reporting of my student loans as deferred ( their actual status ). \nWritten confirmation from XXXX  that the reporting has been corrected. \nAny additional corrective action required to ensure compliance with the FCRA.","date_sent_to_company":"2025-09-01T20:34:49.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"328XX","tags":null,"has_narrative":true,"complaint_id":"15643393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-09-01T20:18:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Complaint</em> to CFPB <em>Credit</em> <em>Reporting</em> / FCRA Violations Company : XXXX XXXX Product : <em>Credit</em> <em>reporting</em> or other personal consumer <em>reports</em> Issue : <em>Inaccurate</em> <em>information</em> on <em>credit</em> <em>report</em> <em>Complaint</em> <em>Narrative</em> : XXXX  is <em>inaccurately</em> <em>reporting</em> my federally backed student loans as being included in bankruptcy. This <em>reporting</em> is false and misleading. My student loans were never XXXX or included in bankruptcy ; they are currently in deferment status."],"issue":["Incorrect <em>information</em> on your <em>report</em>"]},"sort":[14.854262,"15643393"]},{"_index":"complaint-public-v1","_id":"19233219","_score":14.78884,"_source":{"product":"Debt collection","complaint_what_happened":"Issue Incorrect information furnished to credit bureaus Complaint narrative to XXXX American Express furnished information to credit reporting agencies following settlement of this account that resulted in inaccurate and inconsistent reporting. \n\nThe account was settled in full and closed in XX/XX/year>. Despite this, credit reports reflect a {$77.00} balance updated XX/XX/year>. American Express later denied reporting this balance, creating a direct conflict between furnished data and reporting results. \n\nThis inconsistency demonstrates failure to ensure accuracy and failure to correct information after notice. Furnishing data that results in a reported balance on a settled and closed account violates federal credit reporting obligations. \n\nI am requesting CFPB review and enforcement requiring American Express to instruct all credit reporting agencies to delete this tradeline or permanently correct it to XXXX balance and closed status, and to cease furnishing conflicting data. \n\nAttachments to include XXXX confirmation letters Proof of payment XXXX screenshot showing {$77.00} balance American Express CFPB response letter","date_sent_to_company":"2026-02-04T05:54:33.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"32168","tags":"Servicemember","has_narrative":true,"complaint_id":"19233219","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2026-02-04T05:49:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Issue Incorrect <em>information</em> furnished to <em>credit</em> bureaus <em>Complaint</em> <em>narrative</em> to XXXX American Express furnished <em>information</em> to <em>credit</em> <em>reporting</em> agencies following settlement of this account that resulted in <em>inaccurate</em> and inconsistent <em>reporting</em>. \n\nThe account was settled in full and closed in XX/XX/year>. Despite this, <em>credit</em> <em>reports</em> reflect a {$77.00} balance updated XX/XX/year>."],"sub_product":["<em>Credit</em> card debt"]},"sort":[14.78884,"19233219"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":848,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":848}]}},"product":{"doc_count":848,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":641,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":636},{"key":"Other personal consumer report","doc_count":5}]}},{"key":"Debt collection","doc_count":96,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":41},{"key":"Credit card debt","doc_count":19},{"key":"Other 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