{"took":795,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17886812","_score":13.278287,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT AGAINST XXXX Subject : XXXX  is reporting inaccurate, inconsistent, and conflicting information regarding my XXXX XXXX XXXX XXXX account and has failed to correct the errors after dispute. \n\nAccount : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Type : Auto Loan CRA : XXXX What happened ( Summary of the Problem ) : XXXX  is reporting multiple inaccuracies and conflicting Metro 2 data elements on my XXXX XXXX XXXX XXXX account. The remarks, account status, payment information, and compliance condition codes conflict with each other in violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). These errors remain after I submitted disputes directly to the credit bureau. \n\nXXXX  reporting shows : Status : Collection / Charge-Off Remarks : Charged off as bad debt | Dispute resolved; reported by grantor Balance : {$7900.00} Original Balance : {$20000.00} Reported Date : Appearing in conflicting sections This reporting contains factual inconsistencies and non-compliant Metro 2 formatting. \n\n\n\nWhy this is wrong : XXXX  is publishing information that is inconsistent, inaccurate, and misleading, including : XXXX. Conflicting Remarks Dispute resolved ; reported by grantor is not a Metro 2-approved remark and can not be combined with a charge-off notation. \nXXXX. Account Status Conflicts Charge-off can not coexist with a dispute resolution remark. \nMetro 2 requires internal consistency across : Account status Special comments Compliance condition codes ( CCC ) 3. Balance Reporting Errors If the account was charged off and transferred or assigned, the balance should be {$0.00}. \nA charged-off account can not continue showing an active outstanding balance without full supporting data. \nXXXX. Data Harmony Violations Different sections of the XXXX  report show inconsistent dates and conflicting fields a violation of FCRA 607 ( b ). \nXXXX. Failure to Conduct a Proper Reinvestigation XXXX  verified the information without correcting the acknowledged Metro 2 violations, violating FCRA 611. \n\nXXXX XXXX DATA REPORTING VIOLATION OUTLINE Account : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX The following Metro 2 fields are incorrect, incomplete, or conflicting : XXXX. Compliance Condition Code ( CCC ) Violations Incorrect use of dispute remarks that are not supported by valid dispute codes : Used : Dispute resolved; reported by grantor Not a valid Metro 2 code Not supported bXXXX XXXX XXXX. Account Status Conflicts Metro 2 requires logical consistency between : Account status Special comment Payment rating Dispute code Conflicts observed : Charge-off status Dispute resolution remark Active balance These can not legally coexist. \n\n\n\n3. Balance Reporting Errors Metro 2 requires : Balance = {$0.00} if account was sold or transferred Clear reporting of charge-off amount Consistent charge-off month Report shows : Charge-off {$7900.00} balance No proper charge-off amount field Inconsistent payment history fields XXXX. Special Comment Code Violations The special comment charged off as bad debt must align with : Payment rating Account status Charge-off amount XXXX balance after sale/transfer It does not. \n\n\n\nXXXX. Date Logic / Data Harmony Violations Conflicting : Reported date Last payment date Charge-off date Dispute resolution timeline Metro 2 requires internal consistency across all fields. \n\n\n\n6. Prohibited Language Metro 2 does not permit narrative text such as : Dispute resolved ; reported by grantor Only coded fields are allowed.","date_sent_to_company":"2025-12-09T17:46:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79416","tags":null,"has_narrative":true,"complaint_id":"17886812","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-09T17:35:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["CFPB <em>COMPLAINT</em> AGAINST XXXX Subject : XXXX  is reporting inaccurate, inconsistent, and conflicting information <em>regarding</em> my XXXX XXXX XXXX XXXX account and has failed to correct the errors after dispute. \n\nAccount : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Type : <em>Auto</em> <em>Loan</em> CRA : XXXX What happened ( Summary of the Problem ) : XXXX  is reporting multiple inaccuracies and conflicting Metro 2 data elements on my XXXX XXXX XXXX XXXX account."]},"sort":[13.278287,"17886812"]},{"_index":"complaint-public-v1","_id":"3512981","_score":9.224829,"_source":{"product":"Mortgage","complaint_what_happened":"On Tue, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX wrote : OFFICE OF THE COMMISSIONER OF FINANCIAL REGULATION CONSUMER SERVICES UNIT CONSUMER COMPLAINT FORM Licensing Board is responsible for supervising collection agencies ( Board Licensees ).\n\nBefore you begin : If your complaint involves one of the above listed entities, it is recommended that you contact the entity ( s ) to resolve the matter prior to submitting a complaint. When contacting the entity, please make every effort to ensure contact that the person with whom you communicate is authorized to resolve your dispute.\n\nIf you are unable to resolve the complaint directly with the entity, the second step is to determine if the financial entity is supervised by the Commissioner ( see our licensing search pages ).\n\nThe Commissioner of Financial Regulation ( Commissioner ) is responsible for supervising Maryland State-chartered banks, credit unions, and non-deposit trust companies ( collectively Institutions ) and for supervising entities providing the following financial services to Maryland consumers, including, consumer and installment lenders ( including payday lenders ), sales finance companies, mortgage brokers, lenders, servicers, and loan originators, check cashing services, money transmitters, debt management businesses, credit reporting agencies, credit services businesses ( collectively Licensees ). The XXXX XXXX XXXX NOTE : If you believe that the party who is the subject of your complaint should be licensed by the Commissioner, and is not licensed, you should file a complaint. \nComplaint Form XX/XX/XXXX Page 1 of 6 Instructions : This is a fillable PDF form which means you may complete and sign this form electronically. If you decide to complete the form manually, please print the form, print your information clearly and sign your name. Use black or blue ink, only.\n\nThis is NOT an online form ; you must submit your complaint by one of the means listed below. Please enclose copies ( NOT ORIGINALS ) of documents ( contracts, account statements, letters, bills, receipts, checks, etc., ) that relate to your complaint, and be sure to sign ( electronically or manually ) and date your complaint.\n\nDeliver your completed complaint form and relating documents by one of the following methods : BY E-MAIL : Please send as attachments to XXXX BY MAIL : Commissioner of Financial Regulation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Maryland XXXX Attention : Consumer Services Unit IN-PERSON : You can also walk in to the Commissioners office at XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX ( Note : walk-in Hours are : XXXX XXXX - XXXX XXXX  ) BY FACSIMILE ( FAX ) : at the following fax number XXXX ( Note : please mark your fax to the attention of the Consumer Services Unit ) Note : Your complaint will be assigned to an Examiner who will handle your complaint and who will reach out to you shortly after being assigned your complaint. \nBe advised any information that you provide may be forwarded to an Institution, Licensee, Board Licensee, or any other individual against whom you have complained. \nFree at ( XXXX ) XXXX or visit the Commissioners webpage at http : //www.dllr.maryland.gov/finance/. \nBefore you submit or mail your complaint : Proof read the information you have provided and make any necessary corrections. \nEnclose copies ( NOT ORIGINALS ) of documents that relate to your complaint. \nPlease make sure to sign and date the form. \nFinally, before sending make a complete copy of all information submitted by you. \nShould you have any questions regarding the Commissioners complaint resolution process or a complaint you have filed with the Commissioner, do not hesitate to contact the Consumer Services Unit at ( XXXX ) XXXX XXXX or Toll Complaint Form XX/XX/XXXX Page 2 of 6 DEMOGRAPHIC INFORMATION Your Name The Office of the Commissioner of Financial Regulation complies with all applicable federal and State laws regarding discrimination. The Commissioner does not base findings concerning complaints on a persons age, ancestry, color, gender identity and expression, marital status, race, or any other protected status. However, in an effort to ascertain trends regarding complaint data, we ask that you voluntarily provide the following demographic information. Demographic information will not be shared with the person or entity who is the subject of your complaint. \nWhat category best describes you? \nXXXXX XXXX or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX or XXXX   origin XXXX XXXX  or XXXX XXXX XXXX XXXX or Other XXXX XXXX XXXX or XXXX   Other race, ethnicity or origin Decline to answer Gender Identity : Female Male Other gender Decline to Answer Age : 18-25 26-35 36-45 x 46-55 56-65 Over 65 Decline to Answer Veteran/ Military Status : Are you eligible to declare veteran or military status? Yes x No If yes which best describes your status? Veteran Active Duty or Reserve Active Duty or Reserve/ deployed Complaint Form XX/XX/XXXX Page 3 of 6 CONSUMER INFORMATION Your Name : Mr. XMs. \nHome # : Cell # : ( XXXX ) XXXX Work # : Fax # : Street Address : XXXX XXXX XXXX, City/Town/State : XXXX XXXX MD Zip Code : XXXX E-mail Address : XXXX Account Number ( s ) involved in this complaint : Complaint Form XX/XX/XXXX Page 4 of 6 CONSUMER ATTORNEY OR REPRESENTATIVE AGENT Do you have an attorney or representative agent assisting you with this complaint? Yes x No If so, do you authorize the release of information to the below listed individual? Yes No Representative Name : Work # : Cell # : Fax # : Representative Street Address : Representative City/Town/State : Zip Code : Representative E-mail Address : WHAT IS YOUR COMPLAINT ABOUT?\n\n( Check all that apply ) ATM or Money Wiring Services Auto or Car Title Loan Auto Repossession Bank or Credit Union Check Casher Consumer Loan Credit Denial Credit Reporting Agency x Debt Collection - General Debt Collection Harassment Debt Management Services xDebt Settlement Services x Dispute of Credit Information XDispute Debt Owed X Foreclosure Related X Foreclosure Prevention Services Identity Theft Land Installment Loan X Lending or Credit Fraud Money Transmission X Mortgage Fraud X Mortgage Loan X Mortgage Modification Mortgage Refinance X Mortgage Servicer Personal Property Repossession Property Management or HOA Fees Reverse Mortgage Short Sale or Deed in Lieu Student Loan Questionable Fee Charges Unauthorized Charges Virtual or Cryptocurrency XOther : __________fruadlent propertys sale___unfair practices of the attorneys office and the mortgage companies to_____breaking the law ___ THE NAME OF THE PERSON OR ENTITY THAT I AM COMPLAINING ABOUT : Ocwen loan servicing llc / PHH mortgage/ XXXX XXXX mortgage and attorneys and trustee office XXXX XXXX XXXX  XXXX ( If more than one , use separate Complaint Form for each complainant ) Name : Work # : Cell # : Fax # : Street Address : City/Town/State : Zip Code : E-mail Address : Complaint Form XX/XX/XXXX Page 5 of 6 Complaint Narrative : Did you contact the person or entity about your complaint? Yes Person Contacted : ocwen loan services llc Did they respond? Yes Date Contacted : XX/XX/XXXX Date of Response : If so, nature of response : call the attorneys office Complaint Form XX/XX/XXXX Page 6 of 7 Is Court Action Pending on this complaint? Yes, but the already sale my property Proposed Resolution what would be an acceptable resolution to your complaint : Remove them form serving customer and dismissed and give my home back with full payment because they break the law or evidence and be fair as well as lawful Check here if you are filing this complaint for informational purposes ONLY. \n( By checking this box the office will not reach out to the person or entity you are complaining about ) **Please read carefully, before signing and submitting your complaint. ** XXXX XXXX  By signing this complaint, I certify that all the information supplied in this complaint form is true and accurate to the best of my knowledge. I also authorize the Office of the Commissioner of Financial Regulation to speak on my behalf regarding my loan or account with the person ( s ) or entity ( ies ) listed in this complaint ( unless this complaint is filed for information purposes only ). I further have no objection to the contents of this complaint being forwarded to the person ( s ) or entity ( ies ) listed in this complaint. Further, in filing this complaint, I understand that the Commissioner of Financial Regulation can neither guarantee any certain resolution to this complaint nor provide me with legal advice. Should I have questions concerning my legal rights and responsibilities, I will contact an appropriate legal services provider. \nSignature : XXXX XXXX Date:XX/XX/XXXXComplaint Form XX/XX/XXXX Page 7 of 7 The attorney/ Trustee company ( XXXX XXXX XXXX  XXXX et al ) ( Ocwen loan Services ) employees and ( PHH moragt. ) ( XXXX XXXX ) please excuse me bacise as for today I dont no who who. But the say they all the same but all dont have me account correctly ) have submitted false information and paperwork. Conduct and engage in dishonesty, fraud, deceit and misrepresentation the prejudice sell in my property disobey court order, filing a default sale wit out get the court to rule on it not following The Maryland state rule by file announcement of the property in public papers not send the notices to the ( Regular Mail ) On fair time never send me what was to be collect to demand my property before sale when call the mortgage company the say call the attorney s not file the true not we never had our time in court because we been in Bankruptcy ( My husband mother past away in XXXX she put a lot of things in his name he was her only child and we had business as will we was waiting to have our day in court but you cant go throw any other court when in court with BK they not it as will they no they did have rights to foreclosure as well as the other didnt because the found the payment and the other case was closed as well as the began in this case ) never send us anything until it over and that was not to pay ocwen because they was receiving payment form us by side the bk case never got the number of account we was in bankruptcy and we request a line and the send in Faust document and read the attachment and I have so much evidence on their fraudulent and the keep have to escape Their actions because of the people they no. I have never received a notes of default on this case but the conduct a sale and waiting for a RAF. Sale for 15 days I received the sale notice Thursday XX/XX/XXXXthat evening I call all Friday the 11th to get the understanding with the court talk to the judge chamber on the docket XXXX informed me that they mean judge sign the order no long work in foreclosure and I had to call the majesty XXXX on that and all say it nothing on case very say Im in bk and I told them I was not and I was waiting to go to court they say come and file something so I was sick Monday had a doctor appointment and on XX/XX/XXXX I walk in the foreclosure office received a payed for copy of the documents with there information and a receipt on case and file and report I was no long on bankruptcy case we had it lifted I was call that day by Ocwen I told I thought I wan na with PHH and XXXX XXXX he informed me the the same people I told him where o was and Im about to file he start get upset I have to pay all to stay and I wa going be evident and he still did no for sho what I need to bring it up to date I need to call the attorney but I say I give my money to you all and that when he said I call the attorney to get a buy back I ask that what that and he say call then I file my paperwork and when I got home I call the foreclosure office where the paperwork why not on file the next day I see they file something after me and that when I see the attorney ask to be put on hold until XX/XX/XXXX for judge make a judgement on the case that to hold them and get a raffle sale completed but also they still had no right to sale see attachments and still not follow the law I was told to not file with any of these officials or they going really get a sheff evidence for the 15 days when it was to be no soon the 30days they are above the law and they dont follow no ruling orders and have no respect for the law. They not turstworthy and the paperwork is so poor fraued documents they dont even try no more they follow the law if need any more proof the use fraudulent things as well as i -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXXat XXXX XXXX  Subject : Fwd : Next Steps - FTC Complaint Assistant To : XXXX XXXX XXXX Circuit Court of Maryland Go Back Now Case Information Court System : Circuit Court for XXXX XXXX XXXX County - Civil System Case Number : XXXX Case Description : XXXX vs XXXX Case Type : Property Filing Date:XX/XX/XXXX Case Status : Inactive Defendant/Respondent Information Party Type : DefendantParty No. :2 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXXState : MDZip Code:XXXX Party Type : DefendantParty No. :3 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX City : XXXX XXXXState : MDZip Code:XXXX Attorney Information Name : XXXX XXXX Attorney Type : Attorney Address : XXXX XXXX XXXX City : XXXXState : MDZip Code:XXXX Other Party Information Party Type : Substitute TrusteeParty No. :1 Name : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Court Scheduling Information Event Type : Status Hearing Event Date : XX/XX/XXXXStart Time:XXXX Result : Status Conference HeldResult Date:XX/XX/XXXX Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Event Type : Status Hearing Event Date : Start Time : Result : Result Date : Dockets ( Each Document listed. Documents are listed in Document No./Sequence No. order ) Date : XX/XX/XXXX Document Name : CaseType : Foreclos of Deed Tr Docket Text : Date : XX/XX/XXXX Document Name : Forclsure Eligible for Mediatn Docket Text : Date : XX/XX/XXXX Document Name : Order To Docket Foreclosure Fd Docket Text : 001 proceeding to forc d/t on XXXX XXXX with attachments fd/rja e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Forclsure/Prel Loss Mitgtn Aff Docket Text : 002 fd/rja e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Affidavit of Service, fd Docket Text : 003 As to XXXX XXXX XXXX F.D./EJ E ; XX/XX/XXXXDate : XX/XX/XXXX Document Name : Affidavit of Service, fd Docket Text : 004 As to XXXX XXXX XXXX F.D./EJ E ; XX/XX/XXXX Date : XX/XX/XXXX Document Name : Affidavit, Fd. \nDocket Text : 005 Affidavit of Mailing - As to All Occupants F.D./EJ E ; XX/XX/XXXX Date : XX/XX/XXXX Document Name : Deed of Appt/Appt of Sub Tr Fd Docket Text : 006 fd. kbp e XX/XX/XXXXDate : XX/XX/XXXX Document Name : Forclsure/Finl Loss Mitgtn Aff Docket Text : 007 fd.ksr eXX/XX/XXXX Date : XX/XX/XXXX Document Name : Bond Approved and Filed. \nDocket Text : 008 Bonds XXXX with attachments fd.ksr eXX/XX/XXXX Date : XX/XX/XXXX Document Name : Not To Pty Contemp Dis Case Fd Docket Text : 009 fd.md Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 010 No attachments, fd.md ( Tagged for XXXX ) e XX/XX/XXXXDate : XX/XX/XXXX Document Name : Order of Court, filed Docket Text : 011 Order of Court dated XX/XX/XXXX, Judge XXXX, ORDERED that the motion is granted and ORDERED that dismissal of this action be and hereby is DEFERRED for 90 days, thereafter the case will be dismissed unless further deferral is granted or there is documented activity filed in the case, fd.md cc : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 012 fd, amk ( tagged for XXXX ) Date : XX/XX/XXXX Document Name : Order of Court, filed Docket Text : 013 Order of Court dated XX/XX/XXXX,  Judge XXXX, ORDERED, that the motion is GRANTED and dismissal of this action be, and hereby is, DEFERRED for 90 DAYS, thereafter the case will be dismissed unless further deferral is granted or there is documented activity filed in the case. FD.LT Copies mailed to : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 014 fd/rja e XX/XX/XXXX Motion to Defer Dismissal ( tagged for Judge XXXX ) Date : XX/XX/XXXX Document Name : Suggestion of Bankruptcy, Fd. \nDocket Text : 015 fd.mdm e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Notice of Hearing, filed Docket Text : 016 Notice of Hearing XX/XX/XXXX Status Hearing XXXX e.keh XX/XX/XXXX Date : XX/XX/XXXX Document Name : Order of Court, filed Docket Text : 017 Order of Court signed by Judge XXXX on XX/XX/XXXX ORDERED that Plaintiffs XXXX Motion to Defer Dismissal is deemed MOOT ; and it is further ORDERED that this proceeding be and hereby is automatically STAYED pending bankruptcy ; and it is further ORDERED that the Substitute Trustees ' shall forthwith advise the court in writing when the automatic stay is lifted ; and it is further ORDERED that this matter be set in on XX/XX/XXXXat XXXX for a status hearing to determine the status of Defendant 's bankruptcy cc : XXXX XXXX , XXXX XXXX , XXXX XXXX by XXXX e.keh XX/XX/XXXX Date : XX/XX/XXXX Document Name : Status Conference Held Docket Text : Date : XX/XX/XXXX Document Name : Civil Daily Sheet, Filed Docket Text : 018 fd/db Judge XXXX, XX/XX/XXXX, XXXX Judge XXXX ; XXXX XXXX Status hearing held Case stayed-bankrutpcy pending Other : bankruptcy case summary filed e XX/XX/XXXX Date : XX/XX/XXXXDocument Name : Order Stay Pending Bank, fd Docket Text : case stayed pending bankrupcty per daily sheet Date : XX/XX/XXXX Document Name : Order Stay Pending Bank, fd Docket Text : 019 Order of court dated XX/XX/XXXX  Judge XXXX, Ordered, that this proceeding be and hereby is automatically Stayed pending bankruptcy, and it is further, Ordered, that the plaintiffs ' counsel shall file a written status update with the court regarding the status of defendant 's bankruptcy three months after the date of this order and every three months  thereafter until the stay is lifted, and it is further, Ordered, that the substitute Trustees shall forthwith advise the court, in writing, when the automatic stay is lifted, and it is further Ordered, that failure of plaintiffs to advise the court as to when the automatic stay is lifted may result in the dismissal of this matter without prejudice fd.kss eXX/XX/XXXX copies mailed from chambers Date : XX/XX/XXXX Document Name : Bankruptcy Lifted Docket Text : 020 line to withdraw suggestion of bankruptcy, fd.tng e XX/XX/XXXX Date : XX/XX/XXXX Document Name : Suggestion of Bankruptcy, Fd. \nDocket Text : 021 Case No. XXXX fd, aj eXX/XX/XXXX Date : XX/XX/XXXX Document Name : Bankruptcy Lifted Docket Text : 022 case no. XXXX fd.aj e.XX/XX/XXXX Date : XX/XX/XXXX Document Name : Bankruptcy Lifted Docket Text : 023 fd ; tb e. XX/XX/XXXX Date : XX/XX/XXXX Document Name : Suggestion of Bankruptcy, Fd. \nDocket Text : 024 fd ; tb e. XX/XX/XXXX Date : XX/XX/XXXX Document Name : Motion to Defer or Suspend, fd Docket Text : 025 motion to defer dismissal fd.kss eXX/XX/XXXX ( tagged for XXXX XXXX With hold until XX/XX/XXXX ) Date : XX/XX/XXXX Document Name : Motion To Stay, Fd. \nDocket Text : 027 Defendant 's motion for temporary stay of the foreclosure sale pending a full hearing on defendant 's motion to stay and dismiss foreclosure action fd.kss eXX/XX/XXXX ( Tagged for XXXX XXXX ) Date : XX/XX/XXXX Document Name : Motion To Dismiss, Fd. \nDocket Text : 026 defendant motion to dismiss with attachments fd.kss eXX/XX/XXXX ( Tagged for XXXX. XXXX ) This is an electronic case record. Full case information can not be made available either because of legal restrictions on access to case records found in Maryland Rules, or because of the practical difficulties inherent in reducing a case record into an electronic format. \n\n\n-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX at XXXX XXXX  Subject : Next Steps - FTC Complaint Assistant To : XXXX Next Steps - FTC Complaint Assistant Print FTC Report FTC Report Number : XXXX The FTC can not resolve individual complaints, but we can provide information about next steps to take. We share your report with local, state, federal, and foreign law enforcement partners. Your report might be used to investigate cases in a legal proceeding. Please read our Privacy Policy to learn how we protect your personal information, and when we share it ocwen filed a  forclouse on my home in XXXX and about XXXX the case was to be closed but i was also in bankruty at the same time and my home trustee ( XXXX XXXX ) work for XXXX, XXXX XXXX XXXX as well as the attorney XXXX XXXX the company is also a debit collect agency the file and keep going with the paperwork and had a hearing when we was in bankrupty court they have file the flase deed of trust i call the office and told them i was pay my bk and send ocwen money so the can use that case the need to refile with tha correct acount and the stop take my payment sen back as well as i talk to Ms XXXX and i told it was the woronge paperwork she say she dont have to file that corrct paper work as will as i will get a credit after the home would be stoled and that XX/XX/XXXX i receied a substitue trustee sale for XX/XX/XXXX bevcaue of a default for XX/XX/XXXX and my home was a prime loan i was pay XXXX a moth first. until we recvie a mod i file a consumer compaltint and the have been file false paprrwork we had only one and the made me pay a down payment and the was to file some thing incourt but the court did recevie nothing until the same date i file XX/XX/XXXX and the file the same and adk to hold my motion and my edvince and they paperwork until XX/XX/XXXX after the sale would be raf. and they have majesty o that some day im in court the morgat. company call me and was on the for with me for two hour acting threating we going sell your home you have to pay. all now never tell me what to pay because the have receid payment and they dont really no when i say i was in the court the then say i can redemybit but i have to call the lawyer office about that money okay when i call it no redem. and it other things to How It Started Date fraud began : Amount I was asked for : Amount I paid : XX/XX/XXXX XXXX Payment Used : How I was contacted : Money Order Mobile : Text/E-Mail/IM Who Is Your Complaint About Company/Individual 1 Name : Ocwen loan services/XXXX XXXX XXXX XXXX Address : Apt/PO Box : City : State : Zip : Email Address : Phone : Website : Representative : https : //www.ftccomplaintassistant","date_sent_to_company":"2020-02-18T14:13:23.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"20747","tags":null,"has_narrative":true,"complaint_id":"3512981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2020-01-29T04:49:11.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":[": please mark your fax to the attention of the Consumer Services Unit ) Note : Your <em>complaint</em> will be <em>assigned</em> to an Examiner who will handle your <em>complaint</em> and who will reach out to you shortly after being <em>assigned</em> your <em>complaint</em>."]},"sort":[9.224829,"3512981"]},{"_index":"complaint-public-v1","_id":"13913692","_score":8.051067,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This communication serves as a corrected and expanded formal demand under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards regarding numerous inaccurate, unverifiable, and non-compliant tradelines being reported on my XXXX XXXX XXXX XXXX consumer credit files. \n\nThe previous complaint I submitted included incorrect XXXX XXXX account numbers due to formatting issues in my credit report. Please consider this the official and corrected dispute with all verified and accurate information presented below. The continued presence of these false and duplicate entries has caused me significant financial harm, reputational damage, and emotional distress. If these violations are not corrected and permanently deleted within 15 calendar days, I will pursue civil claims under FCRA 616 and 617, along with all applicable legal remedies. \n\nDUPLICATE & CONFLICTING XXXX XXXX ACCOUNTS Multiple XXXX XXXX tradelines are being reported using the same account number prefix ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), yet the balances, dates opened, and statuses conflict across bureaus : A XXXX account opened XX/XX/XXXX, shows a balance of {$2700.00}, status closed and paid, on XXXX \n\nThe same account number appears on XXXX opened XX/XX/XXXX, also with a {$2700.00} balance and paid status. \n\nAnother tradeline with the same number is shown opened XX/XX/XXXX, on XXXX with a {$2300.00} balance and marked 30 days late. \n\nXXXX reports the same {$2300.00} balance, opened XX/XX/XXXX, but shows it as paid. \n\nA third variation is reported with a balance of {$15000.00}, opened XX/XX/XXXX, and marked refinanced on XXXX. \n\nXXXX again lists the same account number opened XX/XX/XXXX, with a {$15000.00} balance and also marked refinanced. \n\nAnother entry shows the account opened XX/XX/XXXX, with a balance of {$12000.00} and status closed current on XXXX \n\nXXXX lists it as opened XX/XX/XXXX, with the same balance but again reported as a separate closed account. \n\nThese discrepancies violate FCRA 623 ( a ) ( 1 ) for furnishing inaccurate information, FCRA 611 ( a ) for failing to reinvestigate, and Metro 2 guidelines for allowing duplicate tradelines with inconsistent statuses and missing dispute flags. This is clear evidence of duplicate reporting under the same account number across multiple dates and statuses. \n\nXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  ( Auto Loan ) * * This charged-off auto loan is being reported to both XXXX and Experian, but is missing entirely from Equifax. The account is listed as opened on XX/XX/XXXX, by TransUnion, and XX/XX/XXXX, by XXXX yet both report the exact same account number and loan terms. This inconsistency in the date of origination is a direct violation of XXXX XXXX reporting standards and FCRA 623 ( a ) ( 1 ), which mandates accurate and uniform data furnishing across bureaus. \n\nThe account was closed and charged off on XX/XX/XXXX, with a reported balance of {$21000.00}. Despite this, both bureaus continue to show a past due amount of {$21000.00}, even though the account is already marked as charged off. This is impermissible under XXXX XXXX, which clearly states that once an account is charged off, no ongoing delinquency or past due amount should be reported unless the consumer has resumed payments which has not occurred here. \n\nFurthermore, neither bureau accurately reflects the dispute history. Experian includes language indicating a dispute ( subscriber reports dispute resolved consumer disagrees ), yet fails to apply the required XXXX XXXX dispute code ( XB ), and TransUnion falsely states account not disputed despite the same derogatory tradeline being under dispute. This constitutes violations under FCRA XXXX ( a ) and XXXX ( a ) ( XXXX ) for misrepresenting or omitting dispute notations. \n\nAdditionally, both bureaus report a {$0.00} credit limit on a high-balance installment auto loan. This is materially misleading. A {$21000.00} auto loan should reflect either the original amount financed or a structured term limit not zero. This erroneous limit inflates my utilization ratios and impairs my creditworthiness, in violation of XXXX XXXX formatting rules and FCRA 623 ( a ). \n\nLastly, the complete absence of this account from XXXX may indicate selective furnishing, data suppression, or inconsistent transmission all of which violate FCRA 1681e ( b ) and undermine the integrity of my consumer file. \n\nViolations Identified : FCRA 623 ( a ) ( 1 ) : Conflicting opening dates and false credit limit reporting FCRA 611 ( a ) : Inconsistent dispute response and reinvestigation failure FCRA 623 ( a ) ( 3 ) : Dispute flag not applied FCRA 1681e ( b ) : Failure to furnish complete and accurate data to all bureaus XXXX XXXX Violations : Duplicate account number with inconsistent open dates Charge-off status paired with active past due balance Improper credit limit reporting Missing dispute code No Equifax reporting XXXX NEGATIVE ACCOUNTS : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Limit : {$250.00} ( secured card ) Reported High Balance : {$430.00} impossible on a {$250.00} secured line Past Due Amount : {$180.00} on a closed, charged-off account No 1099-C issued, no payment since XXXX Violations : XXXX XXXX : Conflicting high balance and charge-off coding on a closed secured account FCRA 609 ( a ) ( 1 ) : No supporting charge-off documentation FCRA 623 ( a ) : Knowingly reporting unverifiable, mathematically impossible data XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection account is reported on all three bureaus XXXX XXXX and XXXX  with multiple conflicting data points, inaccurate classifications, and unresolved dispute flags. The errors are detailed below : 1. Conflicting Account Status Across Bureaus XXXX : Status is Closed XXXX : Status is Closed XXXX : Status is Open This inconsistency directly contradicts XXXX XXXX standards. A collection account can not be both open and closed simultaneously across credit bureaus. \n\nViolation : FCRA 623 ( a ) ( 1 ) : Inconsistent, inaccurate information being furnished XXXX XXXX Compliance : Status codes must match if the same account is being reported to multiple bureaus 2. Contradictory Dispute Flags XXXX : Account not disputed XXXX  : Account not disputed XXXX : Account disputed Consumer disputes this account information If I have disputed this account with any one bureau, all furnishers are required to investigate and ensure that dispute notations are consistent across all bureaus. Failing to do so violates the consumers rights under FCRA.\n\nViolation : FCRA 611 ( a ) : Inconsistent handling and failure to report dispute resolution uniformly XXXX XXXX : Dispute flags must be present and consistent across all systems 3. Inconsistent Creditor Remarks XXXX : Collection account information disputed by consumer, meets FCRA requirements Experian : Customer disputed account reported by subscriber. Account seriously past due ; assigned to collection agency or internal recovery. \n\nXXXX  : Consumer disputes this account information. XXXXollection account. \n\nEach CRA presents a different narrative, despite reporting the same account and balance. XXXX XXXX mandates that commentary and dispute remarks must be standardized to prevent misleading or confusing entries. \n\nViolation : FCRA 1681e ( b ) : Failure to ensure maximum accuracy of data XXXX XXXX Compliance : Mismatched commentary and remarks across furnishers 4. Inaccurate Payment Status Reporting XXXX & XXXX : Listed as \" Collection/Chargeoff '' XXXX : Listed as \" Late 120 Days '' A collection account can not simultaneously be labeled late 120 days. Once an account is in collections, it is charged off and closed, and should not carry an active delinquency aging status such as late 120. \n\nViolation : XXXX XXXX Violation : Improper account aging and status coding FCRA 623 ( a ) ( 1 ) : Inconsistent and inaccurate representation of account status 5. Identity Misassociation via Address History This account is also linked to XXXX XXXX XXXX, XXXX GA, an address you have never resided at, as confirmed in your prior disputes. This points to potential identity theft or mixed file contamination. \n\nViolation : FCRA 605B : Consumer identity mismatch or identity theft-related entry FCRA 1681e ( b ) : Failure to match consumer identity with sufficient accuracy Summary of Violations : FCRA 623 ( a ) ( 1 ) : Reporting materially inconsistent, unverifiable account data FCRA 611 ( a ) : Failure to update and reflect dispute status across all bureaus FCRA 605B : Reporting data tied to a fraudulent or incorrect address FCRA 1681e ( b ) : Failure to maintain accurate and complete file XXXX XXXX Compliance Breaches : Improper status codes, open/closed mismatch, missing dispute flags, misclassified aging statuses {$7200.00} balance with zero payment activity Tradeline classification varies per bureau Violations : FCRA 605B : Identity theft component address not linked to me XXXX XXXX : Discrepant open/closed statuses and activity dates FCRA 1681e ( b ) : Failure to ensure accuracy and proper identity linkage 3. XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being inaccurately reported by both TransUnion and Experian, with Equifax failing to report the account at all. The following issues constitute serious violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards : False Late Payments on {$0.00} Balance : TransUnion reports a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, despite the account showing a {$0.00} balance, no past due amount, and a final payment made on XX/XX/XXXX. The account was closed on XX/XX/XXXX. Reporting delinquencies on an account that was current, paid, and not past due is factually incorrect and damaging. \n\nInconsistent Dispute Resolution Status : XXXX notes : Dispute resolved ; reported by grantor. \nXXXX notes : Account was in dispute now resolved reported by subscriber. \nXXXX reports nothing at all, not even the existence of the account. This failure to maintain consistent post-dispute notations is a clear violation of FCRA 611 ( a ).\n\nMissing Reporting on XXXX  : The account is completely missing from XXXX which raises concerns about selective furnishing, data suppression, or compliance issues with reporting obligations. All credit reporting agencies must furnish complete and uniform data, and this omission directly undermines the integrity of my credit profile. \n\nXXXX XXXX XXXX XXXX XXXX XXXX : The reported high balance is {$270.00}, while the credit limit is only {$220.00}. No explanation or over-limit authorization coding is present. This may reflect a XXXX XXXX formatting error or unauthorized over-limit reporting, which inflates utilization ratios and causes unnecessary credit score damage.\n\nViolations Committed : FCRA 623 ( a ) ( 1 ) : Furnishing knowingly inaccurate or unverifiable information FCRA 611 ( a ) : Failure to consistently report dispute results across all CRAs FCRA 1681e ( b ) : Incomplete and inconsistent reporting across bureaus FCRA 609 ( a ) ( 1 ) : No documentation supporting over-limit balance has been provided XXXX XXXX Guidelines Violated : Improper status codes, unresolved dispute flags, and high balance inconsistencies Violations : FCRA 604 ( a ) ( 3 ) : No authorization or legitimate credit transaction FCRA 609 ( a ) : Failure to disclose inquiry basis FCRA XXXX : Willful/negligent access with no consumer consent XXXX Account # XXXX ( Secured Loan ) This account is reported by both XXXX  and XXXX and is missing entirely from XXXX It is listed as a secured loan with a high balance of {$720.00}, and a final payment made on XX/XX/XXXX. However, multiple reporting inconsistencies and XXXX 2/FCRA violations are present across the bureaus. \n\nThe TransUnion tradeline states that the account was opened on XX/XX/XXXX, while Experian reports the opening date as XX/XX/XXXX. Although a small variance, XXXX XXXX compliance standards require uniformity across all CRAs. There is no valid reason for conflicting origination dates on a closed installment loan. \n\nThe account was closed on XX/XX/XXXX, with a {$0.00} balance and no past due amount, yet XXXX falsely reports a 30 days late payment status. XXXX correctly shows the status as Current and does not report any delinquencies. Reporting a 30-day late on a {$0.00} balance account with no past due amount is both factually impossible and materially misleading. It causes undue harm to the consumer 's payment history and credit score. \n\nNo documentation of a late payment has been provided, and the final payment date listed on both bureaus ( XX/XX/XXXX ) shows the account was in good standing at the time of closure. This clearly indicates either a data error or wrongful derogatory coding on XXXX part. \n\nFurthermore, XXXX has no record of this account, despite it being a closed, paid loan which may reflect selective furnishing or failure to report uniformly. All tradelines should be consistently reported across all bureaus unless the consumer has opted out or the data has been suppressed post-dispute. \n\nViolations Committed : FCRA 623 ( a ) ( 1 ) : Reporting inaccurate and unverifiable payment history FCRA 1681e ( b ) : Failure to ensure maximum accuracy of information across CRAs FCRA 611 ( a ) : Failure to update or correct false information post-dispute XXXX XXXX Violations : Conflicting open dates between bureaus Improper late payment status on a paid {$0.00} balance account Missing reporting entirely on Equifax : UNAUTHORIZED HARD INQUIRIES ( NO PERMISSIBLE PURPOSE ) The following XXXX hard inquiries were reported on my TransUnion file, yet I have no associated applications, approvals, or open tradelines with these entities : Company Date Bureau XXXX XXXXXXXX XX/XX/XXXX NEIGHBORS BA XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SYNCB/SAMS XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  None of these inquiries resulted in a loan or credit approval. I did not authorize these parties to access my consumer file. They have materially damaged my score. Violations : FCRA 604 ( a ) Lack of permissible purpose for access FCRA 609 ( a ) ( 1 ) Failure to provide documentation upon request FCRA 616 & 617 Willful and negligent access causing harm XXXX XXXX : Lack of matching tradelines tied to inquiry originators","date_sent_to_company":"2025-06-05T22:44:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"13913692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-05T22:44:14.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This communication serves as a corrected and expanded formal demand under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards <em>regarding</em> numerous inaccurate, unverifiable, and non-compliant tradelines being reported on my XXXX XXXX XXXX XXXX consumer credit files. \n\nThe previous <em>complaint</em> I <em>submitted</em> included incorrect XXXX XXXX account numbers due to formatting issues in my credit report."]},"sort":[8.051067,"13913692"]},{"_index":"complaint-public-v1","_id":"13912362","_score":7.660219,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This communication serves as a corrected and expanded formal demand under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards regarding numerous inaccurate, unverifiable, and non-compliant tradelines being reported on my TransUnion, XXXX XXXX XXXX consumer credit files. \n\nThe previous complaint I submitted included incorrect XXXX XXXX account numbers due to formatting issues in my credit report. Please consider this the official and corrected dispute with all verified and accurate information presented below. The continued presence of these false and duplicate entries has caused me significant financial harm, reputational damage, and emotional distress. If these violations are not corrected and permanently deleted within 15 calendar days, I will pursue civil claims under FCRA 616 and 617, along with all applicable legal remedies. \n\nDUPLICATE & CONFLICTING XXXX XXXX ACCOUNTS Multiple XXXX XXXX tradelines are being reported using the same account number prefix ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), yet the balances, dates opened, and statuses conflict across bureaus : A XXXX account opened XX/XX/XXXX, shows a balance of {$2700.00}, status closed and paid, on TransUnion. \n\nThe same account number appears on XXXX opened XX/XX/XXXX, also with a {$2700.00} balance and paid status. \n\nAnother tradeline with the same number is shown opened XX/XX/XXXX, on TransUnion with a {$2300.00} balance and marked 30 days late. \n\nXXXX reports the same {$2300.00} balance, opened XX/XX/XXXX, but shows it as paid. \n\nA third variation is reported with a balance of {$15000.00}, opened XX/XX/XXXX, and marked refinanced on TransUnion. \n\nXXXX again lists the same account number opened XX/XX/XXXX, with a {$15000.00} balance and also marked refinanced. \n\nAnother entry shows the account opened XX/XX/XXXX, with a balance of {$12000.00} and status closed current on TransUnion. \n\nXXXX lists it as opened XX/XX/XXXX, with the same balance but again reported as a separate closed account. \n\nThese discrepancies violate FCRA 623 ( a ) ( 1 ) for furnishing inaccurate information, FCRA 611 ( a ) for failing to reinvestigate, and Metro 2 guidelines for allowing duplicate tradelines with inconsistent statuses and missing dispute flags. This is clear evidence of duplicate reporting under the same account number across multiple dates and statuses. \n\nXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX ( Auto Loan ) XXXX XXXX This charged-off auto loan is being reported to both TransUnion XXXX XXXX, but is missing entirely from XXXX. The account is listed as opened on XX/XX/XXXX, by TransUnion, and XX/XX/XXXX, by XXXX yet both report the exact same account number and loan terms. This inconsistency in the date of origination is a direct violation of Metro 2 reporting standards and FCRA 623 ( a ) ( 1 ), which mandates accurate and uniform data furnishing across bureaus. \n\nThe account was closed and charged off on XX/XX/XXXX, with a reported balance of {$21000.00}. Despite this, both bureaus continue to show a past due amount of {$21000.00}, even though the account is already marked as charged off. This is impermissible under Metro 2, which clearly states that once an account is charged off, no ongoing delinquency or past due amount should be reported unless the consumer has resumed payments which has not occurred here. \n\nFurthermore, neither bureau accurately reflects the dispute history. XXXX includes language indicating a dispute ( subscriber reports dispute resolved consumer disagrees ), yet fails to apply the required Metro 2 dispute code ( XB ), and TransUnion falsely states account not disputed despite the same derogatory tradeline being under dispute. This constitutes violations under FCRA 611 ( a ) and 623 ( a ) ( 3 ) for misrepresenting or omitting dispute notations.\n\nAdditionally, both bureaus report a {$0.00} credit limit on a high-balance installment auto loan. This is materially misleading. A {$21000.00} auto loan should reflect either the original amount financed or a structured term limit not zero. This erroneous limit inflates my utilization ratios and impairs my creditworthiness, in violation of Metro 2 formatting rules and FCRA 623 ( a ). \n\nLastly, the complete absence of this account from XXXX may indicate selective furnishing, data suppression, or inconsistent transmission all of which violate FCRA 1681e ( b ) and undermine the integrity of my consumer file.\n\nViolations Identified : FCRA 623 ( a ) ( 1 ) : Conflicting opening dates and false credit limit reporting FCRA 611 ( a ) : Inconsistent dispute response and reinvestigation failure FCRA 623 ( a ) ( 3 ) : Dispute flag not applied FCRA 1681e ( b ) : Failure to furnish complete and accurate data to all bureaus Metro 2 Violations : Duplicate account number with inconsistent open dates Charge-off status paired with active past due balance Improper credit limit reporting Missing dispute code No XXXX reporting INACCURATE NEGATIVE ACCOUNTS : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Limit : {$250.00} ( secured card ) Reported High Balance : {$430.00} impossible on a {$250.00} secured line Past Due Amount : {$180.00} on a closed, charged-off account No 1099-C issued, no payment since 2021 Violations : Metro 2 : Conflicting high balance and charge-off coding on a closed secured account FCRA 609 ( a ) ( 1 ) : No supporting charge-off documentation FCRA 623 ( a ) : Knowingly reporting unverifiable, mathematically impossible data XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection account is reported on all three bureaus TransUnion, XXXX XXXX XXXX with multiple conflicting data points, inaccurate classifications, and unresolved dispute flags. The errors are detailed below : 1. Conflicting Account Status Across Bureaus TransUnion : Status is Closed XXXX : Status is Closed XXXX : Status is Open This inconsistency directly contradicts Metro 2 standards. A collection account can not be both open and closed simultaneously across credit bureaus. \n\nViolation : FCRA 623 ( a ) ( 1 ) : Inconsistent, inaccurate information being furnished Metro 2 Compliance : Status codes must match if the same account is being reported to multiple bureaus 2. Contradictory Dispute Flags TransUnion : Account not disputed XXXX : Account not disputed XXXX : Account disputed Consumer disputes this account information If I have disputed this account with any one bureau, all furnishers are required to investigate and ensure that dispute notations are consistent across all bureaus. Failing to do so violates the consumers rights under FCRA. \n\nViolation : FCRA 611 ( a ) : Inconsistent handling and failure to report dispute resolution uniformly Metro 2 : Dispute flags must be present and consistent across all systems 3. Inconsistent Creditor Remarks TransUnion : Collection account information disputed by consumer, meets FCRA requirements XXXX  : Customer disputed account reported by subscriber. Account seriously past due ; assigned to collection agency or internal recovery. \n\nXXXX : Consumer disputes this account information. Collection account. \n\nEach CRA presents a different narrative, despite reporting the same account and balance. Metro 2 mandates that commentary and dispute remarks must be standardized to prevent misleading or confusing entries. \n\nViolation : FCRA 1681e ( b ) : Failure to ensure maximum accuracy of data Metro 2 Compliance : Mismatched commentary and remarks across furnishers 4. Inaccurate Payment Status Reporting TransUnion XXXX XXXX : Listed as \" Collection/Chargeoff '' XXXX : Listed as \" Late 120 Days '' A collection account can not simultaneously be labeled late 120 days. Once an account is in collections, it is charged off and closed, and should not carry an active delinquency aging status such as late 120.\n\nViolation : Metro 2 Violation : Improper account aging and status coding FCRA 623 ( a ) ( 1 ) : Inconsistent and inaccurate representation of account status 5. Identity Misassociation via Address History This account is also linked to XXXX XXXX XXXX, XXXX GA, an address you have never resided at, as confirmed in your prior disputes. This points to potential identity theft or mixed file contamination. \n\nViolation : FCRA 605B : Consumer identity mismatch or identity theft-related entry FCRA 1681e ( b ) : Failure to match consumer identity with sufficient accuracy Summary of Violations : FCRA 623 ( a ) ( 1 ) : Reporting materially inconsistent, unverifiable account data FCRA 611 ( a ) : Failure to update and reflect dispute status across all bureaus FCRA 605B : Reporting data tied to a fraudulent or incorrect address FCRA 1681e ( b ) : Failure to maintain accurate and complete file Metro 2 Compliance Breaches : Improper status codes, open/closed mismatch, missing dispute flags, misclassified aging statuses {$7200.00} balance with zero payment activity Tradeline classification varies per bureau Violations : FCRA 605B : Identity theft component address not linked to me Metro 2 : Discrepant open/closed statuses and activity dates FCRA 1681e ( b ) : Failure to ensure accuracy and proper identity linkage 3. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being inaccurately reported by both TransUnion and XXXX XXXX XXXX  failing to report the account at all. The following issues constitute serious violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards : False Late Payments on {$0.00} Balance : TransUnion reports a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, despite the account showing a {$0.00} balance, no past due amount, and a final payment made on XX/XX/XXXX. The account was closed on XX/XX/XXXX. Reporting delinquencies on an account that was current, paid, and not past due is factually incorrect and damaging. \n\nInconsistent Dispute Resolution Status : TransUnion notes : Dispute resolved ; reported by grantor. \nXXXX notes : Account was in dispute now resolved reported by subscriber. \nXXXX reports nothing at all, not even the existence of the account. This failure to maintain consistent post-dispute notations is a clear violation of FCRA 611 ( a ). \n\nMissing Reporting on XXXX : The account is completely missing from XXXX, which raises concerns about selective furnishing, data suppression, or compliance issues with reporting obligations. All credit reporting agencies must furnish complete and uniform data, and this omission directly undermines the integrity of my credit profile.\n\nHigh Balance Greater Than Credit Limit : The reported high balance is {$270.00}, while the credit limit is only {$220.00}. No explanation or over-limit authorization coding is present. This may reflect a Metro 2 formatting error or unauthorized over-limit reporting, which inflates utilization ratios and causes unnecessary credit score damage. \n\nViolations Committed : FCRA 623 ( a ) ( 1 ) : Furnishing knowingly inaccurate or unverifiable information FCRA 611 ( a ) : Failure to consistently report dispute results across all CRAs FCRA 1681e ( b ) : Incomplete and inconsistent reporting across bureaus FCRA 609 ( a ) ( 1 ) : No documentation supporting over-limit balance has been provided Metro 2 Guidelines Violated : Improper status codes, unresolved dispute flags, and high balance inconsistencies Violations : FCRA 604 ( a ) ( 3 ) : No authorization or legitimate credit transaction FCRA 609 ( a ) : Failure to disclose inquiry basis FCRA XXXX : Willful/negligent access with no consumer consent XXXX Account XXXX XXXX ( Secured Loan ) This account is reported by both TransUnion XXXX XXXX, and is missing entirely from XXXX It is listed as a secured loan with a high balance of {$720.00}, and a final payment made on XX/XX/XXXX. However, multiple reporting inconsistencies and Metro 2/FCRA violations are present across the bureaus. \n\nThe TransUnion tradeline states that the account was opened on XX/XX/XXXX, while XXXX reports the opening date as XX/XX/XXXX. Although a small variance, Metro 2 compliance standards require uniformity across all CRAs. There is no valid reason for conflicting origination dates on a closed installment loan. \n\nThe account was closed on XX/XX/XXXX, with a {$0.00} balance and no past due amount, yet XXXX falsely reports a 30 days late payment status. TransUnion correctly shows the status as Current and does not report any delinquencies. Reporting a 30-day late on a {$0.00} balance account with no past due amount is both factually impossible and materially misleading. It causes undue harm to the consumer 's payment history and credit score. \n\nNo documentation of a late payment has been provided, and the final payment date listed on both bureaus ( XX/XX/XXXX ) shows the account was in good standing at the time of closure. This clearly indicates either a data error or wrongful derogatory coding on XXXX part. \n\nFurthermore, XXXX has no record of this account, despite it being a closed, paid loan which may reflect selective furnishing or failure to report uniformly. All tradelines should be consistently reported across all bureaus unless the consumer has opted out or the data has been suppressed post-dispute. \n\nViolations Committed : FCRA 623 ( a ) ( 1 ) : Reporting inaccurate and unverifiable payment history FCRA 1681e ( b ) : Failure to ensure maximum accuracy of information across CRAs FCRA 611 ( a ) : Failure to update or correct false information post-dispute Metro 2 Violations : Conflicting open dates between bureaus Improper late payment status on a paid {$0.00} balance account Missing reporting entirely on XXXX : UNAUTHORIZED HARD INQUIRIES ( NO PERMISSIBLE PURPOSE ) The following 10+ hard inquiries were reported on my TransUnion file, yet I have no associated applications, approvals, or open tradelines with these entities : Company Date Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these inquiries resulted in a loan or credit approval. I did not authorize these parties to access my consumer file. They have materially damaged my score. Violations : FCRA 604 ( a ) Lack of permissible purpose for access FCRA 609 ( a ) ( 1 ) Failure to provide documentation upon request FCRA 616 & 617 Willful and negligent access causing harm Metro 2 : Lack of matching tradelines tied to inquiry originators","date_sent_to_company":"2025-06-05T22:44:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"13912362","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-05T22:01:39.000Z","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":["This communication serves as a corrected and expanded formal demand under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards <em>regarding</em> numerous inaccurate, unverifiable, and non-compliant tradelines being reported on my TransUnion, XXXX XXXX XXXX consumer credit files. \n\nThe previous <em>complaint</em> I <em>submitted</em> included incorrect XXXX XXXX account numbers due to formatting issues in my credit report."]},"sort":[7.660219,"13912362"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4}]}},"product":{"doc_count":4,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}}]}},"issue":{"doc_count":4,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":4,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":4}]}},"company_response":{"doc_count":4,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":2},{"key":"Closed with non-monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":4,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":4}]}},"company":{"doc_count":4,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":2},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"Ocwen Financial Corporation","doc_count":1}]}},"state":{"doc_count":4,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"GA","doc_count":2},{"key":"MD","doc_count":1},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":4,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":2}]}},"tags":{"doc_count":4,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}