{"took":142,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":81,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18209862","_score":18.29661,"_source":{"product":"Student loan","complaint_what_happened":"Complaint Narrative I am submitting this complaint to formally report misrepresentation, improper servicing, and harmful data practices by XXXX  related to my student loans. \n\nXXXX has misrepresented the nature, status, and terms of my student loans, including but not limited to repayment options, eligibility for relief programs, and the accuracy of loan balances and reporting. As a result of these actions, I have suffered financial harm, credit damage, and emotional distress. \n\nAdditionally, XXXX  has shared inaccurate and misleading information about my student loans with third parties, including credit reporting agencies, which has negatively impacted my credit profile. Despite my attempts to obtain clarity and correction, XXXX  failed to provide transparent, consistent, or truthful information regarding my loans. \n\nXXXX is currently the subject of state and federal enforcement actions and lawsuits related to deceptive practices and borrower misrepresentation. Based on my experience, I believe my situation falls squarely within the same pattern of misconduct, including steering borrowers into unfavorable outcomes and failing to act in the borrowers best interest. \n\nXXXX  conduct constitutes : Material misrepresentation of loan terms and borrower options Failure to properly inform me of relief, discharge, or forgiveness eligibility Inaccurate credit reporting and data sharing Unfair, deceptive, and abusive acts or practices ( UDAAP ) These actions have caused ongoing financial hardship and denied me the opportunity to make informed decisions regarding my student debt.","date_sent_to_company":"2025-12-23T17:21:12.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"368XX","tags":null,"has_narrative":true,"complaint_id":"18209862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-12-22T01:08:35.000Z","state":"AL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> I am submitting this <em>complaint</em> to <em>formally</em> report misrepresentation, improper servicing, and harmful <em>data</em> practices by XXXX  related to my student loans. \n\nXXXX has misrepresented the nature, status, and terms of my student loans, including but not limited to repayment options, eligibility for relief programs, and the accuracy of loan balances and reporting. As a result of these actions, I have suffered financial harm, credit damage, and emotional distress."]},"sort":[18.29661,"18209862"]},{"_index":"complaint-public-v1","_id":"18352179","_score":16.236021,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau Online Complaint Submission Product : Credit Reporting Issue : Incorrect information on credit report / Public record reporting COMPLAINT NARRATIVE I am submitting this complaint regarding the continued reporting of XXXX  information on my consumer credit reports by XXXX, Experian, and XXXX  that is unverified, lacks a lawful furnisher, and does not comply with the Fair Credit Reporting Act ( FCRA ). \n\nI am the debtor in XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX Case No. XXXX. XXXX  information related to this case appears on my credit reports. \n\nTo determine the lawful source of this reporting, I submitted a formal written request to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  requesting confirmation of whether the XXXX XXXX XXXX or any court authority directly furnishes bankruptcy information to consumer reporting agencies. \n\nAs of the date of this complaint, there has been no confirmation that the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX acts as a furnisher of information under the FCRA, nor that the court supplies data directly to credit reporting agencies. \n\nThis indicates that the XXXX  information is being obtained through third-party public-record data aggregation, rather than from a lawful furnisher subject to the duties imposed by 15 U.S.C. 1681s-2. \n\nDespite this, the consumer reporting agencies continue to report the XXXX  without : Identifying the actual furnisher of the information ; Disclosing the method of verification used during reinvestigation ; Demonstrating compliance with 15 U.S.C. 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ) ; or Demonstrating compliance with 15 U.S.C. 1681i ( lawful reinvestigation ). \n\nReporting public-record data without a verified furnisher and without lawful verification renders the information inaccurate, incomplete, and misleading, and has caused ongoing harm to my credit profile. \n\nConsumer Information Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX","date_sent_to_company":"2025-12-29T21:35:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"395XX","tags":"Servicemember","has_narrative":true,"complaint_id":"18352179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-29T21:34:45.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["As of the date of this <em>complaint</em>, there has been no confirmation that the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX acts as a furnisher of information under the FCRA, nor that the court supplies <em>data</em> directly to credit reporting agencies. \n\nThis indicates that the XXXX  information is being obtained through third-party public-record <em>data</em> aggregation, rather than from a lawful furnisher <em>subject</em> to the duties imposed by 15 U.S.C. 1681s-2."]},"sort":[16.236021,"18352179"]},{"_index":"complaint-public-v1","_id":"8415917","_score":16.038197,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against Wells Fargo for Potential Data Breach, Mismanagement of Personal Information, and Request for Monetary Damages Introduction : I am filing a complaint against Wells Fargo due to receiving communication linked to an old account under the name XXXX XXXX, my birth name, which I legally changed in XXXX and have not used since. This situation, which I believe to be a result of a data breach or severe mismanagement of personal information, is not only alarming but poses a risk to my financial security and privacy. In light of this, and my immediate need to address potential repercussions, I am seeking monetary damages to hire a private investigator and obtain necessary insurances. \n\nNarrative of Events : Upon receiving the letter from Wells Fargo regarding an account associated with a name I no longer use, I was deeply concerned about the integrity of my personal data and the security of my financial information. This incident is particularly troubling as I am in the midst of planning significant financial activities, including a capital raise and real estate transactions, necessitating a clear and secure financial standing. \n\nViolations and Requested Resolution : Gramm-Leach-Bliley Act ( GLBA ) : The potential exposure of my personal data suggests a breach of GLBA, which mandates financial institutions to protect the confidentiality and security of consumer information. \n\nFair Credit Reporting Act ( FCRA ) : Should this issue affect my credit report, it would violate the FCRA 's requirements for accurate and fair credit reporting. \n\nGiven these concerns, I request the CFPB to : Initiate a thorough investigation into the handling and protection of my personal and financial data by Wells Fargo, specifically identifying how my former name came to be associated with recent communications. \nMandate Wells Fargo to provide monetary damages sufficient to hire a private investigator to assess the extent of the data breach or mismanagement and to secure necessary insurances that would protect my financial interests moving forward. \nEnsure Wells Fargo takes immediate steps to secure my data against further unauthorized access or breaches and to correct any inaccuracies in their records or on my credit report stemming from this issue. \nConclusion : The receipt of this letter under a former name and the potential it signifies for a data breach or significant mismanagement has caused me considerable distress and concern for my financial future. It is imperative that this matter is resolved promptly and thoroughly, with Wells Fargo held accountable for any lapses in data security or management. I trust the CFPB will act swiftly to address this complaint and facilitate the necessary financial restitution for me to mitigate the potential impacts of this situation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-25T11:53:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92019","tags":null,"has_narrative":true,"complaint_id":"8415917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-25T11:46:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> Against Wells Fargo for Potential <em>Data</em> Breach, Mismanagement of Personal Information, and Request for Monetary Damages Introduction : I am filing a <em>complaint</em> against Wells Fargo due to receiving communication linked to an old account under the name XXXX XXXX, my birth name, which I legally changed in XXXX and have"]},"sort":[16.038197,"8415917"]},{"_index":"complaint-public-v1","_id":"14536179","_score":15.761632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Equifax FCRA Violations, Identity Theft, and Improper Use of Automated Dispute Systems ( e-OSCAR ) Complaint Summary : I am filing this complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically related to their failure to conduct a manual and meaningful reinvestigation of fraudulent and inaccurate items on my credit report. Despite multiple disputes and supporting documentation, Equifax has relied on automated dispute processing systems such as e-OSCAR, which do not satisfy the legal requirements for thorough investigations under 15 U.S.C. 1681i ( a ).\n\nManual Investigation Request Statement : I am formally requesting that all disputed items on my Equifax credit report undergo a manual reinvestigation, as required under the FCRA. Automated systems like e-OSCAR are not capable of properly evaluating the complexity of identity theft cases or verifying documentation such as : FTC Identity Theft Reports Police Reports FCRA 605C Self-Attestation Statements Supporting affidavits and dispute narratives I am requesting written confirmation that Equifax : Did not rely solely on e-OSCAR or automated verification tools. \n\nManually reviewed all supporting documentation I submitted. \n\nContacted each furnisher individually with my specific allegations.\n\nVerified whether furnishers conducted a proper FCRA 1681s-2 investigation.\n\nFailure to complete a manual investigation and failure to notify me of the method of verification for each account is a violation of FCRA 611 ( a ) ( 7 ).\n\nAdditional Violations and Timeline : On XX/XX/2025, I filed my first complaintEquifax closed it without adequately addressing my concerns. \n\nOn XX/XX/2025, I re-submitted additional evidence, and the investigation again concluded with a generic non-monetary relief response. \n\nOn XX/XX/2025, I provided more documentation via a phone-submitted CFPB complaint. Equifax responded on XX/XX/2025 without detailing verification steps or providing names of furnishers involved. \n\nDespite repeated documentation and proof of identity theft, including multiple FTC reports and law enforcement case numbers, Equifax continues to report disputed, inaccurate, or unverifiable data.","date_sent_to_company":"2025-07-10T02:20:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30315","tags":null,"has_narrative":true,"complaint_id":"14536179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-10T02:15:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Subject</em> : <em>Formal</em> <em>Complaint</em> Against Equifax FCRA Violations, Identity Theft, and Improper Use of Automated Dispute Systems ( e-OSCAR ) <em>Complaint</em> Summary : I am filing this <em>complaint</em> against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically related to their failure to conduct a manual and meaningful reinvestigation of fraudulent and inaccurate items on my credit report."]},"sort":[15.761632,"14536179"]},{"_index":"complaint-public-v1","_id":"20576176","_score":15.679519,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"CFPB COMPLAINT : WILLFUL MISREPRESENTATION DURING FEDERAL INVESTIGATION Complaint Subject : Deceptive Acts and Willful Misrepresentation during Federal Investigation Company : Bridgecrest Acceptance Corp. \nRepresentative Involved : XXXX XXXX XXXX XXXX XXXX. ) Description of Deceptive Acts : This is a follow-up to a previous complaint regarding Bridgecrests failure to provide a vehicle title. \n\nI am reporting a documented instance of Bridgecrest providing false and misleading information to the CFPB during an active investigation. \n\nOn XX/XX/XXXX, Bridgecrest XXXX XXXX XXXX XXXX initiated a XXXX telephone conversation with me. During this call, she explicitly stated that Bridgecrest was in possession of the title for my XXXX XXXX XXXX. \n\nDespite this verbal admission of possession in XXXX, Bridgecrest subsequently submitted a formal written response to the CFPB claiming that the XX/XX/XXXX DMV had rejected the duplicate title on XX/XX/XXXX, and that the process was still stalled due to an administrative \" standoff '' betweenXX/XX/XXXX andXX/XX/XXXX \nIn early XX/XX/XXXX, I finally received the physical title and a history report. This physical evidence proves the title was actually issued on XX/XX/XXXX, XXXXthe exact day Bridgecrest told the CFPB it was rejected. Further, the history report proves the title record was established on XX/XX/XXXX, revealing that the \" inter-state standoff '' narrative provided to the CFPB was a total fabrication. \n\nThe core of this complaint is that the Compliance Officer confirmed she had the title in XXXX, yet Bridgecrest provided a false story of rejection and state-level delays to federal regulators in their formal XXXX responses. This misrepresentation was used to cover up XX/XX/XXXXXXXXmonth administrative failure and the fact that they forced me to operate an illegal vehicle for XX/XX/XXXX days while I was recovering from XXXX for XXXX XXXX. \n\nRequested Resolution : XXXX. Full Debt Rescission : Full discharge of all debt associated with the XXXX XXXX XXXX ( VIN : XXXX ) and the XXXX XXXX XXXX ( VIN : XXXX ). \n\nXXXX. Treble Damages : Payment of {$180000.00} ( XXXX times the {$61000.00} in actual damages for the XX/XX/XXXX days of illegal operation forced by Bridgecrest 's fabrications ). \n\nXXXX. Compliance Audit : A formal investigation into the Bridgecrest XX/XX/XXXX Department 's practice of providing inaccurate data to federal agencies during consumer investigations","date_sent_to_company":"2026-03-25T12:37:16.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"177XX","tags":null,"has_narrative":true,"complaint_id":"20576176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2026-03-25T12:05:41.000Z","state":"PA","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["Compliance Audit : A <em>formal</em> investigation into the Bridgecrest XX/XX/XXXX Department 's practice of providing inaccurate <em>data</em> to federal agencies during consumer investigations"]},"sort":[15.679519,"20576176"]},{"_index":"complaint-public-v1","_id":"14116925","_score":15.614611,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX D.CXXXX XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against XXXX XXXX and XXXX, XXXX, TransUnion, and XXXX  for their mishandling, misreporting, and breach of my sensitive credit information. Over the last 90+ days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. Concerning continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. Concerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA 15 U.S.C. 1681e ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. Concerning the Credit Bureaus ( XXXX XXXX  ) : It is widely known that all two of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, TransUnion has reported the lowest score for my profile, which does not match the scoring across XXXX, and creates a false and harmful narrative about my creditworthiness. My trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. My Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-17T21:56:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30082","tags":"Servicemember","has_narrative":true,"complaint_id":"14116925","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-17T21:55:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX D.CXXXX XXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a <em>formal</em> <em>complaint</em> against XXXX XXXX and XXXX, XXXX, TransUnion, and XXXX  for their mishandling, misreporting, and breach of my sensitive"]},"sort":[15.614611,"14116925"]},{"_index":"complaint-public-v1","_id":"13328104","_score":15.614611,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : [ Insert todays date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against XXXX Bank XXXX XXXX, Equifax, TransUnion, and Experian for their mishandling, misreporting, and breach of my sensitive credit information. \n\nOver the last 90+ days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. \n\nConcerning XXXX Bank : XXXX continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. \n\nConcerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA 15 U.S.C. 1681e ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. \n\nConcerning the Credit Bureaus XXXX Equifax, Experian ) : It is widely known that all XXXX of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, TransUnion has reported the lowest score for my profile, which does not match the scoring across Equifax, and creates a false and harmful narrative about my creditworthiness. \n\nMy trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. \n\nMy Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX Bank XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. \n\nI will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. \n\nSincerely, XXXX XXXX XXXX XXXX signature on file )","date_sent_to_company":"2025-05-04T22:24:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30082","tags":null,"has_narrative":true,"complaint_id":"13328104","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-04T22:23:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : [ Insert todays date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a <em>formal</em> <em>complaint</em> against XXXX Bank XXXX XXXX, Equifax, TransUnion, and Experian for their mishandling, misreporting"]},"sort":[15.614611,"13328104"]},{"_index":"complaint-public-v1","_id":"14478671","_score":15.6115265,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against XXXX XXXX and XXXX, XXXX XXXX and Experian for their mishandling, misreporting, and breach of my sensitive credit information. Over the last XXXX days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. Concerning continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA XXXX XXXX. XXXX ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. Concerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA XXXX XXXX. XXXX ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. Concerning the Credit Bureaus XXXX Equifax, Experian ) : It is widely known that all XXXX of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, XXXX has reported the lowest score for my profile, which does not match the scoring across XXXX and creates a false and harmful narrative about my creditworthiness. My trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. My Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. Sincerely, XXXX XXXX XXXX XXXX to remove the payment then place it back. They have XXXX records for the late XXXX because XXXX merge with XXXX & XXXX and they messed up everybodys account and theyre not accepting capability","date_sent_to_company":"2025-07-06T16:02:37.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30082","tags":"Servicemember","has_narrative":true,"complaint_id":"14478671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-06T16:02:07.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a <em>formal</em> <em>complaint</em> against XXXX XXXX and XXXX, XXXX XXXX and Experian for their mishandling, misreporting, and breach of my sensitive credit"]},"sort":[15.6115265,"14478671"]},{"_index":"complaint-public-v1","_id":"13863927","_score":15.6115265,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : [ ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against Truist Bank XXXX XXXXXXXX XXXX XXXX and XXXX  for their mishandling, misreporting, and breach of my sensitive credit information. Over the last XXXX days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. Concerning Truist Bank : Truist continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. Concerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA 15 U.S.C. 1681e ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. Concerning the Credit Bureaus XXXX XXXX XXXX  ) : It is widely known that all XXXX of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, XXXX  has reported the lowest score for my profile, which does not match the scoring across XXXX, and creates a false and harmful narrative about my creditworthiness. My trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. My Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : Truist Bank XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. Sincerely, XXXX XXXX XXXX XXXX signature on file )","date_sent_to_company":"2025-06-03T18:06:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30082","tags":null,"has_narrative":true,"complaint_id":"13863927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-06-03T18:05:48.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : [ ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a <em>formal</em> <em>complaint</em> against Truist Bank XXXX XXXXXXXX XXXX XXXX and XXXX  for their mishandling, misreporting, and breach"]},"sort":[15.6115265,"13863927"]},{"_index":"complaint-public-v1","_id":"14116074","_score":15.5638485,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against XXXX XXXX and XXXX, XXXX, TransUnion, and XXXX  for their mishandling, misreporting, and breach of my sensitive credit information. Over the last 90+ days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. Concerning continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. Concerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA XXXX XXXX. XXXX ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. Concerning the Credit Bureaus ( XXXX XXXX ) : It is widely known that all two of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, TransUnion has reported the lowest score for my profile, which does not match the scoring across XXXX, and creates a false and harmful narrative about my creditworthiness. My trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. My Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-17T21:56:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30082","tags":"Servicemember","has_narrative":true,"complaint_id":"14116074","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-17T21:55:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a <em>formal</em> <em>complaint</em> against XXXX XXXX and XXXX, XXXX, TransUnion, and XXXX  for their mishandling, misreporting, and breach of my sensitive credit information."]},"sort":[15.5638485,"14116074"]},{"_index":"complaint-public-v1","_id":"14115987","_score":15.560154,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against Navy Federal and XXXX, XXXX XXXX XXXX XXXX for their mishandling, misreporting, and breach of my sensitive credit information. Over the last 90+ days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. Concerning continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. Concerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA 15 U.S.C. 1681e ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. Concerning the Credit Bureaus ( XXXX XXXX ) : It is widely known that all two of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, XXXX  has reported the lowest score for my profile, which does not match the scoring across XXXX, and creates a false and harmful narrative about my creditworthiness. My trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. My Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-17T21:56:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30082","tags":"Servicemember","has_narrative":true,"complaint_id":"14115987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-06-17T21:55:55.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a <em>formal</em> <em>complaint</em> against Navy Federal and XXXX, XXXX XXXX XXXX XXXX for their mishandling, misreporting, and breach of my sensitive credit information."]},"sort":[15.560154,"14115987"]},{"_index":"complaint-public-v1","_id":"13330284","_score":15.560154,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : [ Insert todays date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against XXXX Bank XXXX XXXX, Equifax, TransUnion, and Experian for their mishandling, misreporting, and breach of my sensitive credit information. \n\nOver the last 90+ days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. \n\nConcerning XXXX Bank : XXXX continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. \n\nConcerning XXXX : XXXX reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. XXXX also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA 15 U.S.C. 1681e ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. \n\nConcerning the Credit Bureaus XXXX Equifax, Experian ) : It is widely known that all XXXX of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, TransUnion has reported the lowest score for my profile, which does not match the scoring across Equifax, and creates a false and harmful narrative about my creditworthiness. \n\nMy trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. \n\nMy Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXX Bank XXXX XX/XX/XXXX, XX/XX/XXXX, and all related entries ) XXXX ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. \n\nI will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. \n\nSincerely, XXXX XXXX XXXX XXXX signature on file )","date_sent_to_company":"2025-05-04T22:24:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30082","tags":null,"has_narrative":true,"complaint_id":"13330284","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-04T22:11:01.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( XXXX ) XXXX Date : [ Insert todays date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a <em>formal</em> <em>complaint</em> against XXXX Bank XXXX XXXX, Equifax, TransUnion, and Experian for their mishandling, misreporting"]},"sort":[15.560154,"13330284"]},{"_index":"complaint-public-v1","_id":"14478668","_score":15.0343895,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a formal complaint against XXXX XXXX and USAA, XXXX XXXX XXXX XXXX for their mishandling, misreporting, and breach of my sensitive credit information. Over the last XXXX days, I have diligently attempted to resolve and dispute erroneous and derogatory marks that continue to appear on my credit reports. Despite multiple requests, formal disputes, and even phone calls with these institutions, my efforts have been met with little to no accountability, transparency, or corrective action. Concerning continues to report derogatory information that is not only unsubstantiated but also misaligned with facts Ive personally provided. I have requested documentation multiple times showing the accuracy of the dates and payment history they allege. Each time, theyve failed to provide proof. This lack of verification directly violates FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputed data and correct or remove inaccurate entries. Concerning USAA : USAA reported a late payment for XX/XX/XXXX, which has been proven false through their own records. I have submitted confirmation of timely payment and requested its immediate removal. USAA also shared sensitive account information without sufficient safeguards, leaving my account vulnerable to further misuse. This is a clear breach under FCRA 15 U.S.C. 1681e ( a ), which mandates consumer information be protected and disclosed only with appropriate purpose and authorization. Concerning the Credit Bureaus XXXX XXXX XXXX  ) : It is widely known that all XXXX of these bureaus have been subject to lawsuits for the breach and mishandling of consumer data. As recently as last year. legal action has been taken against them for failing to properly secure consumer information, resulting in massive exposure and identity theft concerns across the country. In addition, XXXX  has reported the lowest score for my profile, which does not match the scoring across XXXX, and creates a false and harmful narrative about my creditworthiness. My trust in the reporting system has been severely compromised. These entities are failing to uphold the basic principles of the Fair Credit Reporting Act, which promises accuracy, fairness, and consumer privacy in credit reporting. My Request : I respectfully request the immediate removal of all negative and/or derogatory information reported by : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and all related entries ) USAA ( XX/XX/XXXX and any further erroneous entries ) I also request a federal-level review of my complaint due to the unresolved nature of this case after multiple good-faith efforts on my part. Additionally, I ask that any breaches of my personal data be noted and used as supporting grounds for the removal and correction of all affected information on my reports. I will continue to follow up and escalate this matter if these records are not amended promptly. This complaint is being submitted with supporting documentation and is part of a larger pattern of negligence and noncompliance that I hope your agency will fully investigate. Sincerely, XXXX XXXX They proceeded to remove the payment then place it back. They have zero records for the late XXXX because XXXX merge with XXXXXXXX XXXX XXXX and they messed up everybodys account and theyre not accepting capability","date_sent_to_company":"2025-07-06T16:02:37.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30082","tags":"Servicemember","has_narrative":true,"complaint_id":"14478668","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-07-06T16:02:07.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> and Request for Immediate Removal of Inaccurate and Breached Credit Reporting Information To Whom It May Concern : My name is XXXX XXXX XXXX and I am submitting this letter in support of a <em>formal</em> <em>complaint</em> against XXXX XXXX and USAA, XXXX XXXX XXXX XXXX for their mishandling, misreporting, and breach of my sensitive"]},"sort":[15.0343895,"14478668"]},{"_index":"complaint-public-v1","_id":"13836926","_score":14.992875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Inaccurate and Conflicting Reporting by XXXX XXXX  To Whom It May Concern : I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX for the continued reporting of incorrect, outdated, and conflicting information on my credit reports across the three major credit bureaus. These inconsistencies are negatively affecting my credit profile and violate my rights as a consumer under several federal laws. \n\nSummary of What Is Happening : Inconsistent Account Status : XXXX  lists the account as Open. \n\nXXXX  and TransUnion list the same account as Closed. \n\nThis contradiction is misleading to potential lenders and violates the standard of accuracy. \n\nBalance and Terms : All three bureaus report a balance of {$320.00} and 0 terms, even though the account is an installment type and the alleged debt appears to have been paid or resolved.\n\nDispute Process Mishandling : The comments section notes the dispute was resolved, but each bureau records a different resolution narrative : XXXX XXXX XXXX Account previously in dispute now resolved by data furnisher. '' XXXX : \" Account previously in dispute now resolved reported by subscriber. '' TransUnion : \" Dispute resolved reported by grantor. '' These vague, conflicting responses suggest no proper reinvestigation was conducted, violating FCRA reinvestigation rules. \n\nPayment History Reporting : XXXX  lists multiple CO ( charge-off ) notations for XXXX  which are unjustified, given the payment and resolution history. \n\nLaws Violated : FCRA 15 U.S. Code 1681s-2 Reporting inaccurate and conflicting information.\n\nFailure to correct or delete information found to be inaccurate or unverifiable during a dispute investigation.\n\nTILA 15 U.S. Code 1601 et seq.\n\nProviding inaccurate financial information about the nature of the account and payment history.\n\nGLBA Gramm-Leach-Bliley Act Mishandling and misreporting sensitive consumer financial data without ensuring proper safeguarding and accuracy.\n\nECOA Equal Credit Opportunity Act These errors may cause unjustified denial of credit opportunities and unequal treatment based on inaccurate information.\n\nFDCPA 15 U.S. Code 1692g The debt collector failed to properly validate the debt and continued reporting after dispute resolution with no consumer proof or verification offered.","date_sent_to_company":"2025-06-02T15:43:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32839","tags":null,"has_narrative":true,"complaint_id":"13836926","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-02T15:42:42.000Z","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>Subject</em> : <em>Formal</em> <em>Complaint</em> Inaccurate and Conflicting Reporting by XXXX XXXX  To Whom It May Concern : I am submitting this <em>complaint</em> against XXXX XXXX XXXX XXXX XXXX for the continued reporting of incorrect, outdated, and conflicting information on my credit reports across the three major credit bureaus. These inconsistencies are negatively affecting my credit profile and violate my rights as a consumer under several federal laws."]},"sort":[14.992875,"13836926"]},{"_index":"complaint-public-v1","_id":"13836924","_score":14.992875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Inaccurate and Conflicting Reporting by XXXX XXXX  To Whom It May Concern : I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX for the continued reporting of incorrect, outdated, and conflicting information on my credit reports across the three major credit bureaus. These inconsistencies are negatively affecting my credit profile and violate my rights as a consumer under several federal laws. \n\nSummary of What Is Happening : Inconsistent Account Status : XXXX  lists the account as Open. \n\nXXXX  and TransUnion list the same account as Closed. \n\nThis contradiction is misleading to potential lenders and violates the standard of accuracy. \n\nBalance and Terms : All three bureaus report a balance of {$320.00} and 0 terms, even though the account is an installment type and the alleged debt appears to have been paid or resolved.\n\nDispute Process Mishandling : The comments section notes the dispute was resolved, but each bureau records a different resolution narrative : XXXX XXXX XXXX Account previously in dispute now resolved by data furnisher. '' XXXX : \" Account previously in dispute now resolved reported by subscriber. '' TransUnion : \" Dispute resolved reported by grantor. '' These vague, conflicting responses suggest no proper reinvestigation was conducted, violating FCRA reinvestigation rules. \n\nPayment History Reporting : XXXX  lists multiple CO ( charge-off ) notations for XXXX  which are unjustified, given the payment and resolution history. \n\nLaws Violated : FCRA 15 U.S. Code 1681s-2 Reporting inaccurate and conflicting information.\n\nFailure to correct or delete information found to be inaccurate or unverifiable during a dispute investigation.\n\nTILA 15 U.S. Code 1601 et seq.\n\nProviding inaccurate financial information about the nature of the account and payment history.\n\nGLBA Gramm-Leach-Bliley Act Mishandling and misreporting sensitive consumer financial data without ensuring proper safeguarding and accuracy.\n\nECOA Equal Credit Opportunity Act These errors may cause unjustified denial of credit opportunities and unequal treatment based on inaccurate information.\n\nFDCPA 15 U.S. Code 1692g The debt collector failed to properly validate the debt and continued reporting after dispute resolution with no consumer proof or verification offered.","date_sent_to_company":"2025-06-02T15:43:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32839","tags":null,"has_narrative":true,"complaint_id":"13836924","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-02T15:42:42.000Z","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>Subject</em> : <em>Formal</em> <em>Complaint</em> Inaccurate and Conflicting Reporting by XXXX XXXX  To Whom It May Concern : I am submitting this <em>complaint</em> against XXXX XXXX XXXX XXXX XXXX for the continued reporting of incorrect, outdated, and conflicting information on my credit reports across the three major credit bureaus. These inconsistencies are negatively affecting my credit profile and violate my rights as a consumer under several federal laws."]},"sort":[14.992875,"13836924"]},{"_index":"complaint-public-v1","_id":"13851648","_score":14.985808,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Complaint Inaccurate and Conflicting Reporting by IC Systems To Whom It May Concern : I am submitting this complaint against IC Systems XXXX XXXX XXXX for the continued reporting of incorrect, outdated, and conflicting information on my credit reports across the three major credit bureaus. These inconsistencies are negatively affecting my credit profile and violate my rights as a consumer under several federal laws.\n\nSummary of What Is Happening : Inconsistent Account Status : XXXXXXXX  lists the account as Open. \n\nXXXX  and XXXX  list the same account as Closed. \n\nThis contradiction is misleading to potential lenders and violates the standard of accuracy. \nBalance and Terms : All three bureaus report a balance of {$320.00} and 0 terms, even though the account is an installment type and the alleged debt appears to have been paid or resolved.\n\nDispute Process Mishandling : The comments section notes the dispute was resolved, but each bureau records a different resolution narrative : XXXX  : \" Account previously in dispute now resolved by data furnisher. '' XXXX  : \" Account previously in dispute now resolved reported by subscriber. '' XXXX : \" Dispute resolved reported by grantor. '' These vague, conflicting responses suggest no proper reinvestigation was conducted, violating FCRA reinvestigation rules. \n\nPayment History Reporting : XXXX  lists multiple CO ( charge-off ) notations for 2025, which are unjustified, given the payment and resolution history.\n\nLaws Violated : FCRA 15 U.S. Code 1681s-2 Reporting inaccurate and conflicting information.\n\nFailure to correct or delete information found to be inaccurate or unverifiable during a dispute investigation.\n\nTILA 15 U.S. Code 1601 et seq.\n\nProviding inaccurate financial information about the nature of the account and payment history.\n\nGLBA Gramm-Leach-Bliley Act Mishandling and misreporting sensitive consumer financial data without ensuring proper safeguarding and accuracy.\n\nECOA Equal Credit Opportunity Act These errors may cause unjustified denial of credit opportunities and unequal treatment based on inaccurate information.\n\nFDCPA 15 U.S. Code 1692g The debt collector failed to properly validate the debt and continued reporting after dispute resolution with no consumer proof or verification offered.","date_sent_to_company":"2025-06-02T15:34:32.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"32839","tags":null,"has_narrative":true,"complaint_id":"13851648","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-06-02T15:22:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Subject</em> : <em>Formal</em> <em>Complaint</em> Inaccurate and Conflicting Reporting by IC Systems To Whom It May Concern : I am submitting this <em>complaint</em> against IC Systems XXXX XXXX XXXX for the continued reporting of incorrect, outdated, and conflicting information on my credit reports across the three major credit bureaus. These inconsistencies are negatively affecting my credit profile and violate my rights as a consumer under several federal laws."]},"sort":[14.985808,"13851648"]},{"_index":"complaint-public-v1","_id":"15684614","_score":14.794819,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Inaccurate and Unverifiable Accounts Dear Equifax, I am disputing the following accounts on my credit report dated XX/XX/XXXX ( Confirmation # XXXX ). Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), you are required to conduct a reinvestigation and permanently delete unverifiable or inaccurate data. \n\nDisputed Accounts XXXX XXXX Reported as 120+ days past due with a balance of {$4700.00}. Last payment shown XX/XX/XXXX, yet Equifax continues to show escalating delinquency without updated activity. This is inconsistent with other bureaus reporting. \n\nViolation : FCRA XXXX ( b ) ( failure to ensure maximum possible accuracy ). \n\nXXXX XXXX XXXX Closed account showing {$1700.00} balance and {$300.00} past due as of XX/XX/XXXX. Equifax lists status as Closed/90119 Days Past Due, which differs from other credit bureaus. \n\nViolation : FCRA 1681i ( a ) ( 1 ) requires deletion if unverifiable within 30 days. \n\nXXXX XXXX Listed as Pays as Agreed/Closed but continues to reflect inconsistent narrative codes, despite being paid and closed in XX/XX/XXXX. This creates misleading credit information. \n\nViolation : FCRA 1681c ( a ) prohibits retention of misleading or outdated negative references.\n\nLegal Grounds FCRA 1681e ( b ) : Duty to maintain maximum possible accuracy.\n\nFCRA 1681i ( a ) : Requires reinvestigation and deletion if unverifiable.\n\nFCRA 1681c : Outdated or misleading information must not be reported.\n\nI demand that these accounts be fully verified with original source documentation or permanently deleted within 30 days. \n\nFailure to comply will result in formal complaints with the CFPB, FTC, and California Attorney General, as well as potential civil action under FCRA 1681n and 1681o. \n\nSincerely,","date_sent_to_company":"2025-09-04T01:37:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93454","tags":null,"has_narrative":true,"complaint_id":"15684614","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-04T01:25:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to comply will result in <em>formal</em> <em>complaints</em> with the CFPB, FTC, and California Attorney General, as well as potential civil action under FCRA 1681n and 1681o. \n\nSincerely,"]},"sort":[14.794819,"15684614"]},{"_index":"complaint-public-v1","_id":"16485876","_score":14.670187,"_source":{"product":"Credit card","complaint_what_happened":"* * Subject : Formal Complaint Regarding Inaccurate Account Furnished by Bank of America in Violation of the FCRA * * To Whom It May Concern : I am writing to file a formal complaint against Bank of America and to request, as the only appropriate remedy, the complete and permanent deletion of the account listed below from my credit files with XXXX XXXX XXXX XXXX  Bank of America has violated its legal obligations under the Fair Credit Reporting Act ( FCRA ) by furnishing information that is demonstrably inaccurate, inconsistent, and legally unverifiable. \n\n* * Complainant Information : * * * * * Name : * * XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX Date of Birth : * * XX/XX/XXXXXXXX XXXX XXXX XXXX  Social Security Number : XXXX XXXX XXXX XXXX XXXX  Bank and Account Information : * * * * * Bank Name : * * Bank of America * * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information Bank of America has furnished regarding this account is riddled with material contradictions across the three major credit reporting agencies. These discrepancies are not minor errors ; they are fundamental inconsistencies that prove the data fails to meet the \" maximum possible accuracy '' standard required by law.\n\nThe specific, verifiable discrepancies are as follows : 1. * * Contradictory \" Date of First Delinquency '' : * * My XXXX  report explicitly lists a \" Date of First Delinquency '' as XX/XX/XXXX. In stark contrast, my XXXX XXXX XXXX reports completely omit this legally required data point, making it impossible to correctly calculate the reporting period for the alleged debt. \nXXXX. * * Conflicting Account Closure Remarks : * * My XXXX XXXX XXXX reports both state, \" Account closed at consumers request. '' This critical detail is entirely absent from my XXXX report, presenting a conflicting narrative of the account 's history. \nXXXX. * * Inconsistent Payment Data : * * My XXXX report uniquely lists a \" Last Payment Made '' date of XX/XX/XXXX. This information is not corroborated on either my XXXX XXXX XXXX reports, further invalidating the integrity of the furnished data. \n\nThese conflicting data points are prima facie evidence that the information provided by Bank of America is unreliable and legally unverifiable. An item of information that is reported in three different, contradictory ways can not be considered accurate. Therefore, any attempt to simply \" correct '' or \" update '' this account would be insufficient and unlawful. The entire tradeline is tainted by unreliable data, and its continued presence on my credit report is causing significant harm to my financial standing. \n\nThe only legally permissible remedy is the complete deletion of this account. \n\nI formally request that the Consumer Financial Protection Bureau launch an immediate investigation into Bank of America 's flagrant disregard for its furnishing responsibilities under the FCRA. I further request that you compel Bank of America to direct XXXX XXXX XXXX XXXX to permanently delete the entire account tradeline for Account Number XXXXXXXX XXXX XXXX XXXX XXXX  from my credit report.","date_sent_to_company":"2025-10-09T12:04:54.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"20109","tags":null,"has_narrative":true,"complaint_id":"16485876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-10-09T11:47:51.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["* * <em>Subject</em> : <em>Formal</em> <em>Complaint</em> Regarding Inaccurate Account Furnished by Bank of America in Violation of the FCRA * * To Whom It May Concern : I am writing to file a <em>formal</em> <em>complaint</em> against Bank of America and to request, as the only appropriate remedy, the complete and permanent deletion of the account listed below from my credit files with XXXX XXXX XXXX XXXX  Bank of America has violated its legal obligations under the Fair Credit Reporting Act ( FCRA ) by furnishing information that is demonstrably"]},"sort":[14.670187,"16485876"]},{"_index":"complaint-public-v1","_id":"14956789","_score":13.910408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Continued inaccurate credit reporting after admitting no ownership or furnishing role Complaint Type : Supplemental complaint to CFPB Complaint ID # XXXX Product : Credit reporting or other personal consumer reports Issue : Furnisher furnished inaccurate information to a consumer reporting agency Narrative : This complaint is submitted against NetCredit ( Enova International ) for continued furnishing of disputed tradeline information to consumer reporting agencies ( CRAs ) namely XXXX  and XXXX violation of the Fair Credit Reporting Act ( FCRA ), even after NetCredits own written admissions demonstrate it no longer owns or furnishes the account. \n\nIn its formal response dated XX/XX/XXXX, to CFPB Complaint ID # XXXX, NetCredit clearly stated : On XX/XX/XXXX, the LOC was XXXX to a third-party debt buyer, XXXX, XXXX ( XXXX ). NetCredit notified XXXX of the sale via email. NetCredit is no longer servicing the LOC since it is not currently owned by XXXX XXXX. In addition, NetCredit has not attempted to collect on XXXX debt since the XXXX was sold to XXXX. Therefore, any future inquiries regarding this debt should be directed to XXXX. \n\nDespite this unequivocal admission that NetCredit no longer owns, services, or furnishes data on this account, XXXX XXXX XXXX both continue to report this tradeline, and both CRAs have responded to my prior disputes by claiming that the account was verified by the data furnisher. \n\nIf NetCredit is not the furnisher, as it claims, then it is legally impossible for the tradeline to be verified through a proper FCRA reinvestigation process under 15 U.S.C. 1681i ( a ). This contradiction implicates serious legal violations by both the CRAs and NetCredit, and warrants immediate enforcement action.\n\nViolations by NetCredit ( FCRA ) : 15 U.S.C. 1681s-2 ( b ) : NetCredit had XXXX duty to cease reporting, and to correct or delete the tradeline once they ceased ownership. \n\n15 U.S.C. 1681e ( b ) : NetCredit allowed inaccurate tradeline data to persist despite no longer being the furnisher.\n\n15 U.S.C. 1681g ( a ) : NetCredits failure to disclose current creditor information in tradeline reporting.\n\n15 U.S.C. 1681n : Willful noncompliance by failing to take corrective action after repeated disputes and its own admissions. \n\nLegal Inconsistencies : NetCredit can not have it both ways. On XXXX hand, it has formally disclaimed any furnishing role, stating : NetCredit has not attempted to collect on XXXX debt since the XXXX was sold to XXXX. \n\nYet both XXXX  and XXXX recently as XX/XX/XXXX, XXXXcontinue to report this account as Verified by the furnisher. This inconsistency proves XXXX of XXXX things : Either NetCredit continues to furnish, contrary to its own statement to a federal regulator ; Or the CRAs are falsely attributing verification to a party that legally can not verify the data. \n\nEither scenario reflects a fundamental breach of the FCRAs accuracy and reinvestigation mandates, and a clear violation of my rights under federal law. \n\nLegal Demand : You are hereby notified that unless the tradeline associated with XXXX ( NetCredit via XXXX XXXX  XXXX is permanently deleted from all CRAs within 10 days, I will proceed with federal litigation against NetCredit, TransUnion, and XXXX  for knowing and willful violations of the FCRA. \n\n\nThis matter is no longer in dispute. NetCredits own admissions render further furnishing or failure to correct this tradeline unlawful.","date_sent_to_company":"2025-07-29T12:54:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33076","tags":null,"has_narrative":true,"complaint_id":"14956789","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2025-07-29T12:47:45.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Continued inaccurate credit reporting after admitting no ownership or furnishing role <em>Complaint</em> Type : Supplemental <em>complaint</em> to CFPB <em>Complaint</em> ID # XXXX Product : Credit reporting or other personal consumer reports Issue : Furnisher furnished inaccurate information to a consumer reporting agency <em>Narrative</em> : This <em>complaint</em> is submitted against NetCredit ( Enova International ) for continued furnishing of disputed tradeline information to consumer reporting agencies ( CRAs ) namely XXXX"]},"sort":[13.910408,"14956789"]},{"_index":"complaint-public-v1","_id":"14478221","_score":13.681953,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Chase Reporting Inaccurate Account Not Listed on Any Credit Bureau Request for Removal and Damages Under FCRA 605B and 611 Company : JPMorgan Chase Bank , N.A . \nProduct : Credit Card Issue : Incorrect information on credit report Consumer Complaint Narrative : I am submitting this formal complaint against JPMorgan Chase regarding a credit card account, partial account number XXXX, which continues to appear in my Chase mobile app and internal account profile, even though it has been removed from all three major credit reporting agenciesXXXX XXXX, and XXXX  of todays date. \nIn support of this complaint, I have submitted all necessary identifying and supporting documents, including a copy of my government-issued photo ID, Social Security card XXXX proof of address via verified mail, a signed and notarized FTC Identity Theft Affidavit declaring the Chase account in question as unauthorized or related to identity theft, current copies of all three bureau reports showing the account has been deleted, and a screenshot from my Chase app clearly displaying that the account remains visible and active internally. \nUnder the Fair Credit Reporting Act ( FCRA ), Chase is required to block and cease the use of any account that has been identified as fraudulent or the result of identity theft, once the proper documentation is provided, in accordance with 605B [ 15 U.S.C. 1681c2 ]. Furthermore, under 611 [ 15 U.S.C. 1681i ], I have the right to request a reinvestigation of disputed information and to have unverifiable or false data removed. Chases continued retention and display of this accountdespite its removal by all three credit bureaus and my submission of full supporting documentationdemonstrates either a refusal or failure to comply with these FCRA obligations. \nThis situation has caused me significant emotional distress, concern over my data privacy, and hesitation to move forward with future credit applications, due to the possibility that Chase may still use this incorrect or disputed information in its internal decision-making processes. I believe this conduct constitutes willful noncompliance under FCRA 616 [ 15 U.S.C. 1681n ] and/or negligent noncompliance under FCRA 617 [ 15 U.S.C. 1681o ]. \nTherefore, I am requesting that Chase permanently delete the account from its internal records and ensure it is removed from all online and mobile app access. I am also requesting a written confirmation that the account has been purged from all systems and will not be referenced in any future credit decisions or retained in any form. Furthermore, I am seeking monetary damages in the amount of {$1000.00} for the distress, harm, and violation of my rights under federal law. \nPlease confirm receipt of this complaint and provide a full written response outlining the actions taken to resolve this matter.","date_sent_to_company":"2025-07-06T18:51:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"660XX","tags":null,"has_narrative":true,"complaint_id":"14478221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-06T18:47:11.000Z","state":"KS","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Product : Credit Card Issue : Incorrect information on credit report Consumer <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>formal</em> <em>complaint</em> against JPMorgan Chase regarding a credit card account, partial account number XXXX, which continues to appear in my Chase mobile app and internal account profile, even though it has been removed from all three major credit reporting agenciesXXXX XXXX, and XXXX  of todays date."]},"sort":[13.681953,"14478221"]},{"_index":"complaint-public-v1","_id":"14479188","_score":13.679427,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Chase Reporting Inaccurate Account Not Listed on Any Credit Bureau Request for Removal and Damages Under FCRA 605B and 611 Company : JPMorgan Chase Bank , N.A . \nProduct : Credit Card Issue : Incorrect information on credit report Consumer Complaint Narrative : I am submitting this formal complaint against JPMorgan Chase regarding a credit card account, partial account number XXXX, which continues to appear in my Chase mobile app and internal account profile, even though it has been removed from all three major credit reporting agenciesXXXX XXXX XXXX XXXX of todays date. \nIn support of this complaint, I have submitted all necessary identifying and supporting documents, including a copy of my government-issued photo ID, Social Security card , proof of address via verified mail, a signed and notarized FTC Identity Theft Affidavit declaring the Chase account in question as unauthorized or related to identity theft, current copies of all three bureau reports showing the account has been deleted, and a screenshot from my Chase app clearly displaying that the account remains visible and active internally. \nUnder the Fair Credit Reporting Act ( FCRA ), Chase is required to block and cease the use of any account that has been identified as fraudulent or the result of identity theft, once the proper documentation is provided, in accordance with 605B [ 15 U.S.C. 1681c2 ]. Furthermore, under 611 [ 15 U.S.C. 1681i ], I have the right to request a reinvestigation of disputed information and to have unverifiable or false data removed. Chases continued retention and display of this accountdespite its removal by all three credit bureaus and my submission of full supporting documentationdemonstrates either a refusal or failure to comply with these FCRA obligations. \nThis situation has caused me significant emotional distress, concern over my data privacy, and hesitation to move forward with future credit applications, due to the possibility that Chase may still use this incorrect or disputed information in its internal decision-making processes. I believe this conduct constitutes willful noncompliance under FCRA 616 [ 15 U.S.C. 1681n ] and/or negligent noncompliance under FCRA 617 [ 15 U.S.C. 1681o ].\n\nTherefore, I am requesting that Chase permanently delete the account from its internal records and ensure it is removed from all online and mobile app access. I am also requesting a written confirmation that the account has been purged from all systems and will not be referenced in any future credit decisions or retained in any form. Furthermore, I am seeking monetary damages in the amount of {$1000.00} for the distress, harm, and violation of my rights under federal law. \nPlease confirm receipt of this complaint and provide a full written response outlining the actions taken to resolve this matter.","date_sent_to_company":"2025-07-06T18:47:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"660XX","tags":null,"has_narrative":true,"complaint_id":"14479188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-06T18:37:16.000Z","state":"KS","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Product : Credit Card Issue : Incorrect information on credit report Consumer <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>formal</em> <em>complaint</em> against JPMorgan Chase regarding a credit card account, partial account number XXXX, which continues to appear in my Chase mobile app and internal account profile, even though it has been removed from all three major credit reporting agenciesXXXX XXXX XXXX XXXX of todays date."]},"sort":[13.679427,"14479188"]},{"_index":"complaint-public-v1","_id":"14478354","_score":13.679427,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Citi Bank Reporting Inaccurate Account Not Listed on Any XXXX XXXX  XXXX for XXXX and XXXX  Under FCRA XXXX and XXXX Company : Citi Bank XXXX : Credit Card Issue : Incorrect information on XXXX XXXX Consumer Complaint Narrative : I am submitting this formal complaint against Citi Bank regarding a credit card account, partial account number XXXX, which continues to appear in my Citi Bank XXXX app and internal account profile, even though it has been removed from all three major credit reporting agenciesXXXX XXXX and XXXX of todays date. \nIn support of this complaint, I have submitted all necessary identifying and supporting documents, including a copy of my government-issued photo ID, Social Security XXXX XXXX proof of address via verified mail, a signed and notarized FTC Identity Theft Affidavit declaring the Citi Bank account XXXX question as unauthorized or related to identity theft, current copies of all XXXX XXXX XXXX showing the account has been deleted, and a screenshot from my Citi Bank XXXX XXXX displaying that the account remains visible and active internally. \nUnder the Fair Credit Reporting Act ( FCRA ), Citi Bank is required to block and cease the use of any account that has been identified as fraudulent or the result of identity theft, once the proper documentation is provided, in accordance with XXXX [ XXXX XXXX  XXXX ]. Furthermore, under XXXX [ XXXX XXXX. XXXX ], I have the right to request a reinvestigation of disputed information and to have unverifiable or false data removed. Citi Bank continued retention and display of this accountdespite its removal by all XXXX XXXX XXXX and my submission of full supporting documentationdemonstrates either a refusal or failure to comply with these FCRA obligations. \nThis situation has caused me significant emotional distress, concern over my data privacy, and hesitation to move forward with future credit applications, due to the possibility that Citi Bank XXXX still use this incorrect or disputed information in its internal decision-making processes. I believe this conduct constitutes willful noncompliance under FCRA XXXX [ XXXX XXXX. XXXX ] and/or negligent noncompliance under FCRA XXXX XXXX XXXX XXXX. XXXX ]. \nTherefore, I am requesting that Citi Bank permanently delete the account from its internal records and ensure it is removed from all online and mobile app access. I am also requesting a written confirmation that the account has been purged from all systems and will not be referenced in any future credit decisions or retained in any form. Furthermore, I am seeking monetary damages in the amount of {$1000.00} for the XXXX XXXX XXXX XXXX of my rights under XXXX XXXX \nPlease confirm receipt of this complaint and provide a full written response outlining the actions taken to resolve this matter.","date_sent_to_company":"2025-07-06T19:32:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"660XX","tags":null,"has_narrative":true,"complaint_id":"14478354","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-07-06T19:28:27.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Citi Bank Reporting Inaccurate Account Not Listed on Any XXXX XXXX  XXXX for XXXX and XXXX  Under FCRA XXXX and XXXX Company : Citi Bank XXXX : Credit Card Issue : Incorrect information on XXXX XXXX Consumer <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>formal</em> <em>complaint</em> against Citi Bank regarding a credit card account, partial account number XXXX, which continues to appear in my Citi Bank XXXX app and internal account profile, even though it has been removed from all three major credit reporting"]},"sort":[13.679427,"14478354"]},{"_index":"complaint-public-v1","_id":"14477698","_score":13.677097,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : American Express Reporting Inaccurate Account Not Listed on Any Credit Bureau Request for Removal and Damages Under FCRA XXXX and XXXX Company : American Express Product : Credit Card Issue : Incorrect information on credit report Consumer Complaint Narrative : I am submitting this formal complaint against American Express regarding a credit card account, partial account number XXXX, which continues to appear in my American Express XXXX app and internal account profile, even though it has been removed from all three major credit reporting agenciesExperian, Equifax, and TransUnionas of todays date. \nIn support of this complaint, I have submitted all necessary identifying and supporting documents, including a copy of my government-issued photo ID, Social Security card XXXX proof of address via verified mail, a signed and notarized FTC Identity Theft Affidavit declaring the American Express account in question as unauthorized or related to identity theft, current copies of all three bureau reports showing the account has been deleted, and a screenshot from my American Express app clearly displaying that the account remains visible and active internally. \nUnder the Fair Credit Reporting Act ( XXXX  ), American Express is required to block and cease the use of any account that has been identified as fraudulent or the result of identity theft, once the proper documentation is provided, in accordance with XXXX [ XXXX U.S.C. XXXX ]. Furthermore, under XXXX [ XXXX U.S.C. XXXX ], I have the right to request a reinvestigation of disputed information and to have unverifiable or false data removed. American Express continued retention and display of this accountdespite its removal by all three credit bureaus and my submission of full supporting documentationdemonstrates either a refusal or failure to comply with these FCRA obligations. \nThis situation has caused me significant emotional distress, concern over my data privacy, and hesitation to move forward with future credit applications, due to the possibility that American Express may still use this incorrect or disputed information in its internal decision-making processes. I believe this conduct constitutes willful noncompliance under FCRA XXXX [ XXXX U.S.C. XXXX ] and/or negligent noncompliance under FCRA XXXX XXXX XXXX U.S.C. XXXX ]. \nTherefore, I am requesting that American Express permanently delete the account from its internal records and ensure it is removed from all online and mobile app access. I am also requesting a written confirmation that the account has been purged from all systems and will not be referenced in any future credit decisions or retained in any form. Furthermore, I am seeking monetary damages in the amount of {$1000.00} for the distress, harm, and violation of my rights under federal law. \nPlease confirm receipt of this complaint and provide a full written response outlining the actions taken to resolve this matter.","date_sent_to_company":"2025-07-06T19:20:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"660XX","tags":null,"has_narrative":true,"complaint_id":"14477698","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-07-06T19:16:26.000Z","state":"KS","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Subject</em> : American Express Reporting Inaccurate Account Not Listed on Any Credit Bureau Request for Removal and Damages Under FCRA XXXX and XXXX Company : American Express Product : Credit Card Issue : Incorrect information on credit report Consumer <em>Complaint</em> <em>Narrative</em> : I am submitting this <em>formal</em> <em>complaint</em> against American Express regarding a credit card account, partial account number XXXX, which continues to appear in my American Express XXXX app and internal account profile, even though it has"]},"sort":[13.677097,"14477698"]},{"_index":"complaint-public-v1","_id":"14798058","_score":13.65454,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : XXXX Reporting Inaccuracies and FCRA Violations Company XXXX XXXX ( Creditor for XXXX  ) Complaint Narrative : I am filing a formal complaint regarding the XXXX  account appearing on my credit report. This account is being reported inconsistently across all three credit bureaus and contains derogatory and misleading information that may be in violation of the Fair Credit Reporting Act ( FCRA ).\n\n1. Account Status Misrepresentation : The account is listed as Charged-Off, Charged Off as Bad Debt, and Unpaid balance reported as a loss by XXXX XXXX. Yet, the balance is showing {$0.00} across all three credit bureaus, indicating the debt is no longer owed or collectible. If the balance is {$0.00}, it should not simultaneously be reported as charged-off with derogatory remarks. This is inconsistent and misleading. \n\n2. FCRA Violations Potentially Involved : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) : Failure to update or correct information that is incomplete or inaccurate FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation upon dispute FCRA 605 ( a ) ( 5 ) : Derogatory accounts must be removed after 7 years from the date of first delinquency ; if this account is older or resolved with {$0.00} balance, it should not be updated to keep it appearing active.\n\n3. Last Reported Date Discrepancy : Equifax  is reporting an update in XX/XX/XXXX, while TransUnion and Experian stopped updating in XX/XX/XXXX. This inconsistency raises red flags regarding data accuracy and ongoing compliance. I never received notice of updates from the creditor nor from the bureaus. \n\n4. Harm to Consumer : This inaccurate and outdated negative reporting has negatively impacted my creditworthiness. Reporting a {$0.00} balance charge-off without accurately updating the status or removing the derogatory remark misrepresents the true status of the account.\n\nRequest for Resolution : I am requesting the immediate deletion of the XXXX account from all three credit bureaus due to its current inaccurate, misleading, and potentially unlawful reporting. At a minimum, I demand that : All derogatory language be removed from the account ( including charge-off ), The tradeline be marked Closed Paid/Settled with a {$0.00} balance and no negative status, or The account be removed entirely if it has been sold, discharged, or is no longer collectible. \n\nPlease investigate this matter immediately and take appropriate corrective action.","date_sent_to_company":"2025-07-22T21:39:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32223","tags":null,"has_narrative":true,"complaint_id":"14798058","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-22T21:34:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Subject</em> : XXXX Reporting Inaccuracies and FCRA Violations Company XXXX XXXX ( Creditor for XXXX  ) <em>Complaint</em> <em>Narrative</em> : I am filing a <em>formal</em> <em>complaint</em> regarding the XXXX  account appearing on my credit report. This account is being reported inconsistently across all three credit bureaus and contains derogatory and misleading information that may be in violation of the Fair Credit Reporting Act ( FCRA ).\n\n1."]},"sort":[13.65454,"14798058"]},{"_index":"complaint-public-v1","_id":"14797737","_score":13.590321,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : XXXX Reporting Inaccuracies and FCRA Violations Company XXXX XXXX ( Creditor for XXXX  ) Complaint Narrative : I am filing a formal complaint regarding the XXXX  account appearing on my credit report. This account is being reported inconsistently across all three credit bureaus and contains derogatory and misleading information that may be in violation of the Fair Credit Reporting Act ( FCRA ).\n\n1. Account Status Misrepresentation : The account is listed as Charged-Off, Charged Off as Bad Debt, and Unpaid balance reported as a loss by XXXX XXXX. Yet, the balance is showing {$0.00} across all three credit bureaus, indicating the debt is no longer owed or collectible. If the balance is {$0.00}, it should not simultaneously be reported as charged-off with derogatory remarks. This is inconsistent and misleading. \n\n2. FCRA Violations Potentially Involved : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) : Failure to update or correct information that is incomplete or inaccurate FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation upon dispute FCRA 605 ( a ) ( 5 ) : Derogatory accounts must be removed after 7 years from the date of first delinquency ; if this account is older or resolved with {$0.00} balance, it should not be updated to keep it appearing active.\n\n3. Last Reported Date Discrepancy : Equifax  is reporting an update in XX/XX/XXXX, while TransUnion and Experian stopped updating in XX/XX/XXXX. This inconsistency raises red flags regarding data accuracy and ongoing compliance. I never received notice of updates from the creditor nor from the bureaus. \n\n4. Harm to Consumer : This inaccurate and outdated negative reporting has negatively impacted my creditworthiness. Reporting a {$0.00} balance charge-off without accurately updating the status or removing the derogatory remark misrepresents the true status of the account.\n\nRequest for Resolution : I am requesting the immediate deletion of the XXXX account from all three credit bureaus due to its current inaccurate, misleading, and potentially unlawful reporting. At a minimum, I demand that : All derogatory language be removed from the account ( including charge-off ), The tradeline be marked Closed Paid/Settled with a {$0.00} balance and no negative status, or The account be removed entirely if it has been sold, discharged, or is no longer collectible. \n\nPlease investigate this matter immediately and take appropriate corrective action.","date_sent_to_company":"2025-07-22T21:39:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32223","tags":null,"has_narrative":true,"complaint_id":"14797737","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-22T21:39:27.000Z","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":["<em>Subject</em> : XXXX Reporting Inaccuracies and FCRA Violations Company XXXX XXXX ( Creditor for XXXX  ) <em>Complaint</em> <em>Narrative</em> : I am filing a <em>formal</em> <em>complaint</em> regarding the XXXX  account appearing on my credit report. This account is being reported inconsistently across all three credit bureaus and contains derogatory and misleading information that may be in violation of the Fair Credit Reporting Act ( FCRA ).\n\n1."]},"sort":[13.590321,"14797737"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":81,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":81}]}},"product":{"doc_count":81,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":60,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":59},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt collection","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":3},{"key":"Credit card 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