{"took":219,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":264,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7005095","_score":21.12524,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I transferred money from my XXXX  to my Wise account. XXXX  claims the money was transferred and received. Wise claims the transfer was canceled. But my money was not returned to XXXX if canceled, and Wise has not credited the transfer to the account. XXXX  claims no mistakes were made on their part. That leaves Wise receiving my funds and not crediting them to my account. \n\nWise required proof of payment from XXXX. I submitted my XXXX XXXX statement. This was not acceptable proof. This information from XXXX should serve as proof. My complaint to CFPB against XXXX. They have cleared their end of this transaction. This still leaves me missing my funds which Wise claims was cancelled and never deposited. See CFPB Complaint : COMPLAINT ID XXXX SUBMITTED ON XXXX PRODUCT Money transfer, virtual currency, or money service ISSUE Other transaction problem Response from XXXX  Bank Thank you for bringing this issue to our attention. Based on what you've told us, it seems that you were expecting a withdrawal from your XXXX account to be deposited into a personal external account, but you haven't received the funds yet. Our investigation shows that you opened an account with us on XXXX. On XXXX you contacted our customer support via mobile chat about a withdrawal of {$1800.00}, and our support agent informed you that it was debited from your account on XX/XX/. On XX/XX/, you reached out to our support team again via mobile chat and reported that you transferred money to your Wise account, but the funds never arrived. Our agent filed an ACH dispute on your behalf that same day, and the dispute information was forwarded to our ACH dispute agents for investigation. On XXXX you forwarded an email from Wise to our customer support, stating that your transfer of {$1800.00} USD to EUR had been canceled and the funds were not received. Our support agent provided you with your XXXX account statement, and our dispute team concluded their investigation, finding no error and informing you of this outcome on the same day. We provided you with the following information in our decision : XXXX XXXX ; Billing name and address match. Prior history with recipient. No ACH returns ; the XXXX number shows that funds were successfully deposited into the receiving account. Unfortunately, we are unable to issue a credit to you as a result of our investigation. Upon receiving your complaint, we reviewed your deposit settlement issue and confirmed with our partner bank that the funds were successfully deposited into the account you selected when you initiated the withdrawal. On XXXX our compliance agent provided proof of payment for the disputed transaction via email. We also received documents from you showing that a {$1800.00} USD to EUR transaction was canceled, but there is a discrepancy in the amount compared to the disputed transaction. We do not have evidence of an additional transaction in this amount debited from your account. Therefore, our decision of no error found remains the same. If you have new evidence to support your claim as it relates to a transaction for {$1800.00}, please submit it to our customer support for further review. If you have any questions, please don't hesitate to reach out to us at XXXX customer support. \n\n\nWise has not accepted any documentation as proof of payment. XXXX clearly states they paid the transfer. Wise clearly states they never received it and it was cancelled. I have not received this transfer. Wise has the proof it needs from XXXX, their investigation needs to find my transfer. These two banks have created the best scheme to take your money and hide, then claim no responsibility for the missing funds.","date_sent_to_company":"2023-05-20T09:52:38.000Z","issue":"Problem with customer service","sub_product":"Foreign currency exchange","zip_code":"33133","tags":null,"has_narrative":true,"complaint_id":"7005095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TransferWise Ltd","date_received":"2023-05-20T09:31:51.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XXXX our <em>compliance</em> <em>agent</em> <em>provided</em> <em>proof</em> of <em>payment</em> for the <em>disputed</em> <em>transaction</em> via email. We also received documents from you showing that a {$1800.00} USD to EUR <em>transaction</em> was canceled, but there is a discrepancy in the amount compared to the <em>disputed</em> <em>transaction</em>. We do not have evidence of an additional <em>transaction</em> in this amount debited from your account. Therefore, our decision of no error found remains the same."]},"sort":[21.12524,"7005095"]},{"_index":"complaint-public-v1","_id":"15916180","_score":19.534887,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Unauthorized Retention of Funds by Chase Fraudulent Merchant Transaction I am filing this complaint regarding a dispute with Chase Bank involving payments to a merchant on XXXX \n\nOn XX/XX/XXXX, XX/XX/XXXX ( {$1500.00} ), and XX/XX/XXXX ( {$890.00} ), I made payments totaling {$4400.00} to a seller for a bulk order of skincare products. Additionally, I paid {$300.00} on XX/XX/XXXX at the sellers request for product testing to comply with XXXX safety standards. \n\nThe merchant shipped a partial order directly to XXXX, not to me. Shortly after arrival, XXXX deactivated and destroyed the products because they failed compliance testing for containing banned ingredients ( bleaching agents ). The remaining products were never shipped, and despite repeated promises, the seller provided no replacements or refund. \n\nThis left me with total loss of funds and no merchandise. \n\nI provided Chase with : XXXX order invoices, Proof of missing and unsafe products, XXXX notices of destruction, Screenshots of seller promises, and proof of the {$300.00} testing payment. \n\nChase denied my claim, stating only that the transactions were authorized, despite overwhelming evidence of fraud and failure to deliver. When I requested details of their investigation, they refused to provide merchant responses or internal notes, offering only a generic rejection letter.","date_sent_to_company":"2025-09-13T16:56:23.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"15916180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-09-13T16:31:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["Shortly after arrival, XXXX deactivated and destroyed the products because they failed <em>compliance</em> testing for containing banned ingredients ( bleaching <em>agents</em> ). The remaining products were never shipped, and despite repeated promises, the seller <em>provided</em> no replacements or refund. \n\nThis left me with total loss of funds and no merchandise."]},"sort":[19.534887,"15916180"]},{"_index":"complaint-public-v1","_id":"7168548","_score":17.480494,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX 2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Dear Discover Dispute Team : I recently received a copy of my ( XXXX, XXXX XXXX XXXX XXXX consumer report, and I noticed some late payments posted on my consumer report : Account # : XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( DISCOVER ) Making the report is not INCLUDED on my Consumer report! \nA Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! \nYOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. \nYou have 10 calendar days to update my Payment history and or delete all late payments from the below account/s DISCOVER BANK XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX, XXXX Enclosed : copy of ID and Utility Bill showing proof of address","date_sent_to_company":"2023-06-26T23:38:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"782XX","tags":null,"has_narrative":true,"complaint_id":"7168548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-06-26T23:22:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX 2023 NOTICE TO PRINCIPAL IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO PRINCIPAL Dear Discover <em>Dispute</em> Team : I recently received a copy of my ( XXXX, XXXX XXXX XXXX XXXX consumer report, and I noticed some late <em>payments</em> posted on my consumer report : Account # : XXXX XXXX Your company is in clear violation of the law."]},"sort":[17.480494,"7168548"]},{"_index":"complaint-public-v1","_id":"9160271","_score":16.737293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent OneMain this letter Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent OneMain you furnished alleged transaction on my XXXX, XXXX and XXXX that you identified as late. \n\n\n15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. \nYou have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. \n\n\nThe only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \n\nIn order for any creditor to treat a payment as late you must prove that : XXXX. The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. \n\n\nXXXX. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. \n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule XXXX the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. \n\nDo not rely to me stating that you are furnishing accurate information because we both know your not. \n\nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( XXXX ) XXXX and 15 USC 1666b & 1637 ( b ). \n\nIf you can not provide the proof of the mailing or delivery of the information required by section XXXX you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have XXXX Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late Notice to agent is notice to principal notice to principal is notice to agent OneMain, I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report at XXXX, XXXX and XXXX You received my dispute letter on XX/XX/XXXX by certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been well over XXXX days and you have not responded. This information by law must be deleted. \n15 USC 1681i ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \n\nIn other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at XXXX. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). \nimportantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. \nYou not responding to my dispute within the XXXX  day period allotted by law proves you can not validate or verify this account.","date_sent_to_company":"2024-06-03T21:21:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38134","tags":"Servicemember","has_narrative":true,"complaint_id":"9160271","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2024-06-03T20:49:08.000Z","state":"TN","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I sent OneMain this letter Notice to <em>Agent</em> is Notice to Principal, Notice to Principal is Notice to <em>Agent</em> OneMain you furnished alleged <em>transaction</em> on my XXXX, XXXX and XXXX that you identified as late. \n\n\n15 U.S."]},"sort":[16.737293,"9160271"]},{"_index":"complaint-public-v1","_id":"11264287","_score":16.116014,"_source":{"product":"Credit card","complaint_what_happened":"This was the companys response with a timeline : On XX/XX/2024, XXXX contacted Fiserv ( XXXX XXXX XXXX ) by phone and initiated a dispute claiming non-receipt of merchandise after being informed by the merchant that the item had been shipped. On XX/XX/2024, Fiserv contacted XXXX by phone to gather additional information regarding the dispute and left a message, as well as sent a letter to XXXX requesting additional information. That same day, XXXX contacted Fiserv by phone and advised that they purchased special order of titleist XXXX XXXX XXXX with an expected delivery date of 2-3 weeks. XXXX asserted that they never received the driver, and the last contact had with the merchant was XX/XX/2024. The merchant advised XXXX that the driver was shipped to and could not do anything about it and sent tracking number XXXX. On XX/XX/2024, a provisional credit in the amount of {$700.00} was applied to XXXX 's account while the dispute investigation was pending. That same day, Fiserv sent XXXX a letter advising that a temporary credit in the amount of {$700.00} had been applied while they conduct the investigation. On XX/XX/2024, Fiserv received the merchant 's response to the dispute. The merchant rejected the dispute claim, maintaining that the merchandise was rendered at point of sale as this was an in-store purchase with no delivery service attached to the transaction. On XX/XX/2024, based on the merchant 's response and documentation provided, the dispute claim was denied, the provisional credit was removed from XXXX 's account and a letter was sent notifying XXXX of this decision. Based on our investigation, the dispute was handled in accordance with applicable regulations and procedures. The merchant provided evidence that this was an in-store purchase with no delivery service attached, contradicting the claim of non-receipt of merchandise. XXXX  apologizes that XXXX is not satisfied with the outcome of the investigation and recommends that XXXX contact the merchant to discuss further. XXXX considers this matter closed and appreciates the opportunity to address these concerns. \n\nOn XX/XX/XXXX, I contacted Fiserv and sent the original receipt and special order receipt from the store showing that the order and payment was for a special order Titleist XXXX XXXX  that was going to be Shipped to Home. This contradicts both the merchants claim that the purchase was an in-store purchase with the item not being shipped. \n\nOn XX/XX/XXXX, Fiserv reached out to me via email with the merchants proof for the dispute and said the claim was closed and they couldnt do anything about it. XXXX and Fiserv have been given false information by the merchant regarding this transaction and have based the closure of the dispute from that evidence. \n\nI request that the dispute be reopened with the supplied original receipt and special order receipt which was emailed to XXXX on both XX/XX/XXXX and XXXX. \n\nI feel the credit card company, XXXX, and Fiserv have both not been in compliance with processing this dispute or informing me of the information given by the merchant, and have now said it is outside their scope or purview. \n\nAlso please pull the recording from my phone call on XX/XX/2024 with the Fiserv customer service agent. I asked if I needed to provide them with the original receipt and special order receipt for this dispute, at the time the agent said it was not required.","date_sent_to_company":"2024-12-24T23:06:53.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91761","tags":null,"has_narrative":true,"complaint_id":"11264287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2024-12-24T23:01:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I feel the credit card company, XXXX, and Fiserv have both not been in <em>compliance</em> with processing this <em>dispute</em> or informing me of the information given by the merchant, and have now said it is outside their scope or purview. \n\nAlso please pull the recording from my phone call on XX/XX/2024 with the Fiserv customer service <em>agent</em>. I asked if I needed to provide them with the original receipt and special order receipt for this <em>dispute</em>, at the time the <em>agent</em> said it was not required."],"sub_issue":["Credit card company isn't resolving a <em>dispute</em> about a purchase on your statement"]},"sort":[16.116014,"11264287"]},{"_index":"complaint-public-v1","_id":"8625083","_score":16.046085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) you received my dispute regarding some transactions and late payments that you and ( XXXX XXXX XXXX ) furnished to my consumer report. When I disputed these exclusions using the FCRA I received a response from you ( XXXX, Experian ) stating that the account was verified!!! I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer report! So how can you validate a late payment? Further more lets take a look at 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. You have no proof that this alleged transaction was late. I am requesting all information pursuant to Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy. What reasonable procedure that you adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer no later than 21 days before the payment due date? The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate. I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. Failure to provide this information clearly admits that proper steps and certification were not taken in compliance with law 15 USC 1666b, and you ( XXXX, Experian ) have fraudulently verified an account without a reasonable procedure as required by law. For any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. { XXXX, Experian } your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Delete these incomplete and unverifiable accounts and transactions from my consumer reports : XXXX XXXX XXXX Account number XXXX","date_sent_to_company":"2024-03-25T18:53:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30907","tags":null,"has_narrative":true,"complaint_id":"8625083","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-25T18:50:49.000Z","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":["The only way for you to validate a late <em>payment</em> is to ensure that 15 USC 1666b was done in <em>compliance</em> METRO2 <em>compliance</em> and FCRA <em>compliance</em>!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an <em>agent</em> that the information is accurate. I am requesting the Certification of accuracy and the <em>agent/s</em> that were involved in the certification process, that certified that the information is complete and accurate."]},"sort":[16.046085,"8625083"]},{"_index":"complaint-public-v1","_id":"8607574","_score":16.046085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) you received my dispute regarding some transactions and late payments that you and ( XXXX XXXX XXXX ) furnished to my consumer report. When I disputed these exclusions using the FCRA I received a response from you ( Transunion, XXXX ) stating that the account was verified!!! \n\nI am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer report! So how can you validate a late payment? \n\nFurther more lets take a look at 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \n\nYou have no proof that this alleged transaction was late. \n\nI am requesting all information pursuant to Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy.\n\nWhat reasonable procedure that you adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer no later than 21 days before the payment due date? \n\nThe only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate.\n\nI am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. \nFailure to provide this information clearly admits that proper steps and certification were not taken in compliance with law 15 USC 1666b, and you ( Transunion, XXXX ) have fraudulently verified an account without a reasonable procedure as required by law. \nFor any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.\n\n2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! \nYou have 10 days to send me all the required information. \n{ Transunion, XXXX } your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account.\n\n15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nDelete these incomplete and unverifiable accounts and transactions from my consumer reports : XXXX XXXX XXXX Account number XXXX","date_sent_to_company":"2024-03-22T20:40:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30907","tags":null,"has_narrative":true,"complaint_id":"8607574","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-22T20:21:43.000Z","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":["The only way for you to validate a late <em>payment</em> is to ensure that 15 USC 1666b was done in <em>compliance</em> METRO2 <em>compliance</em> and FCRA <em>compliance</em>!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an <em>agent</em> that the information is accurate.\n\nI am requesting the Certification of accuracy and the <em>agent/s</em> that were involved in the certification process, that certified that the information is complete and accurate."]},"sort":[16.046085,"8607574"]},{"_index":"complaint-public-v1","_id":"8607528","_score":15.994398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) you received my dispute regarding some transactions and late payments that you and ( XXXX XXXX XXXX ) furnished to my consumer report. When I disputed these exclusions using the FCRA I received a response from you ( XXXX, Experian ) stating that the account was verified!!! \n\nI am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer report! So how can you validate a late payment?\n\nFurther more lets take a look at 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nYou have no proof that this alleged transaction was late.\n\nI am requesting all information pursuant to Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy.\n\nWhat reasonable procedure that you adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer no later than 21 days before the pay\nment due date?\n\nThe only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate.\n\nI am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. \nFailure to provide this information clearly admits that proper steps and certification were not taken in compliance with law 15 USC 1666b, and you ( XXXX, Experian ) have fraudulently verified an account without a reasonable procedure as required by law. \nFor any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.\n\n2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! \nYou have 10 days to send me all the required information. \n{ XXXX, Experian } your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account.\n\n15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \n\n\nDelete these incomplete and unverifiable accounts and transactions from my consumer reports : XXXX XXXX XXXX Account number XXXX","date_sent_to_company":"2024-03-22T20:40:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30907","tags":null,"has_narrative":true,"complaint_id":"8607528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-22T20:40:14.000Z","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":["The only way for you to validate a late <em>payment</em> is to ensure that 15 USC 1666b was done in <em>compliance</em> METRO2 <em>compliance</em> and FCRA <em>compliance</em>!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an <em>agent</em> that the information is accurate.\n\nI am requesting the Certification of accuracy and the <em>agent/s</em> that were involved in the certification process, that certified that the information is complete and accurate."]},"sort":[15.994398,"8607528"]},{"_index":"complaint-public-v1","_id":"13578476","_score":15.67804,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Kickoff Lending, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Kickoff Lending, in your recent response letter regarding my dispute about the alleged late payments to the above account, you assure understanding of the impact that accurate payment history can have on a credit report, and that it is your goal to support the consumer in maintaining positive credit outcomes. I am led to believe this narrative to be FALSE, and that you do not care about furnishing accurate information to my consumer report because if you did you would consider proper compliance and procedures in accordance with the FCRA! You, Kickoff Lending are still furnishing inaccurate information to my consumer report and here is how : 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.\n\nYou have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. \nThe only way a creditor can treat a payment as late falls under : 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. These requirements have nothing to do with an overlooked email. \n\nIn order for any creditor to treat a payment as late you must prove that : ( 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Please provide the proof that this information was mailed out or delivered 21 days before the payment due date.\n\n( 2 ) 15 USC 1637 ( b ) is very specific on ALL required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.\n\nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nDo not reply to me stating that you are furnishing accurate information because we both know you are not! It is evident that TRANSACTIONS and EXPERIENCES are not to be furnished to my consumer report, and I have not received any of the required notices in the mail in reference to 1666b along with 1637 ( b ) to meet the standard of compliance according to the FCRA. You should have the requested proof of compliance if you are reporting accurate information as you claim to be. These compliance measures have no relevance to a terms of agreement form, list of scheduled payment dates, and a generous grace period. These factors do not suffice for accurate furnishing to my consumer report, therefore, the genuine alleged late or missed payments must be removed from the account, regardless of status. \n\nDo not tell me the alleged late payments being furnished to my consumer report is verified when you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and ALL the documents required with 15 USC 1666b,1637 ( b ) and the notice from 15 USC s-2 ( 7 ).\n\nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : Account # XXXX Regards, XXXX XXXX _________________________________ Without Recourse UCC XXXX","date_sent_to_company":"2025-05-18T05:45:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"13578476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kikoff Inc.","date_received":"2025-05-18T05:35:13.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Kickoff Lending, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Notice to <em>Agent</em> is Notice to Principal, Notice to Principal is Notice to <em>Agent</em> Kickoff Lending, in your recent response letter regarding my <em>dispute</em> about the alleged late <em>payments</em> to the above account, you assure understanding of the impact that accurate <em>payment</em> history can have on a credit report, and that it is your goal to support the consumer in maintaining"]},"sort":[15.67804,"13578476"]},{"_index":"complaint-public-v1","_id":"9159897","_score":15.348913,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX  XXXX you furnished alleged transaction on my XXXX and XXXX that you identified as late. \n15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. \nYou have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. \n\nThe only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \nIn order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. \n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. \nDo not rely to me stating that you are furnishing accurate information because we both know your not. \nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). \nIf you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late Notice to agent is notice to principal notice to principal is notice to agent Upstart/Finwise, I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report at XXXX and XXXX You received my dispute letter on XX/XX/XXXX by certified mail tracking number # XXXX XXXX XXXX XXXX XXXX XXXX It has been well over 30 days and you have not responded. This information by law must be deleted. \n15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \n\nIn other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at 1303. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at 1303 ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). \nimportantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. \nYou not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account.","date_sent_to_company":"2024-06-06T17:05:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38134","tags":"Servicemember","has_narrative":true,"complaint_id":"9159897","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Velocity Portfolio Group","date_received":"2024-06-03T21:24:29.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Do not tell me this information is verified because you have not submitted <em>proof</em> of <em>compliance</em> with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). \nIf you can not provide the <em>proof</em> of the mailing or delivery of the information required by section 1666b you can not treat a <em>payment</em> as late which means you have also violated section 15 USC 1681s-2."]},"sort":[15.348913,"9159897"]},{"_index":"complaint-public-v1","_id":"15886129","_score":14.811689,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian is reporting multiple inaccurate and unverifiable items on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), despite my formal disputes. These errors are causing direct financial harm and undermining the accuracy of my credit history.\n\n1. Unverifiable Tradeline ID Central Credit Union ( Charge-Off ) Experian is reporting an alleged charge-off account with ID Central Credit Union, but has provided no original contract, signed agreement, or consumer authorization. Under FCRA 1681b, no permissible purpose exists for Experian to continue reporting unverifiable debt. Reporting such an account also violates FCRA 1681e ( b ), which requires maximum possible accuracy. FTC staff opinion letters confirm that debts lacking proper documentation must not be reported, yet Experian continues to display this account.\n\n2. Unauthorized Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized these inquiries. They are unrelated to any valid credit transaction and lack a permissible purpose under FCRA 1681b. These qualify as fraudulent/unauthorized inquiries under FCRA 1681c-2 . Experian has failed to provide written proof of my consent or documentation establishing a permissible purpose. \n\n3. Inaccurate Late Payments ID XXXX XXXX XXXX XXXX Experian is also reporting multiple late payment entries on ID XXXX XXXX XXXX accounts that are inaccurate and unverifiable : Account # XXXX XXXX, XXXX, XX/XX/XXXX Account # XXXX XXXX, XXXX, XX/XX/XXXX Account # XXXX XXXX, XX/XX/XXXX These late payments were reported during grace periods without timestamped proof of delinquency. Under TILA 1666c, billing practices must allow for grace periods before delinquency, and under FCRA 1681e ( b ), credit data must be fair, accurate, and complete. Without billing statements, payment logs, and proof of notice, these late payments are unverifiable and misleading. \n\nEven if technically accurate, they are materially misleading because they fail to include the full context of grace periods and posting practices, which courts have recognized as violating the FCRA. \n\n4. Broader Compliance Concerns Experian continues to rely on automated systems like e-OSCAR instead of performing a reasonable reinvestigation by a live compliance agent, contrary to Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ). \n\nExperian is maintaining outdated personal information ( old addresses, alternate names, unverifiable employment ), in violation of privacy protections under FCRA 1681a ( 4 ). \n\nExperian has not suppressed promotional inquiries or removed non-account-holding inquiries older than 30 days, despite my request. \n\nThese failures are especially concerning in light of the XXXX  data breach, which compromised my PII and increases the risk of inaccurate and unauthorized reporting.","date_sent_to_company":"2025-09-11T12:47:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98052","tags":null,"has_narrative":true,"complaint_id":"15886129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-11T11:11:47.000Z","state":"WA","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":["Broader <em>Compliance</em> Concerns Experian continues to rely on automated systems like e-OSCAR instead of performing a reasonable reinvestigation by a live <em>compliance</em> <em>agent</em>, contrary to Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ). \n\nExperian is maintaining outdated personal information ( old addresses, alternate names, unverifiable employment ), in violation of privacy protections under FCRA 1681a ( 4 )."]},"sort":[14.811689,"15886129"]},{"_index":"complaint-public-v1","_id":"12721686","_score":13.833292,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this complaint to report multiple ongoing violations by LoanCare LLC relating to the servicing, collection, and handling of my mortgage loan. Despite repeated lawful requests and formal notices, LoanCare has failed to comply with federal servicing regulations and has accepted disputed payments under restrictive endorsement, constituting an accord and satisfaction under UCC 3-311.Below is a timeline of relevant actions : - XX/XX/XXXX I issued a formal Notice of Rescission and Opportunity to Cure citing a bona fide dispute regarding the loan. - XX/XX/XXXX LoanCare received the notice. - XX/XX/XXXX I mailed XXXX # XXXX via XXXX XXXX XXXX  XXXX with a restrictive endorsement stating payment in full accord and satisfaction. - XX/XX/XXXX I mailed XXXX # XXXX ( Check # XXXX ), also under dispute. - XX/XX/XXXX LoanCare received XXXX # XXXX and accepted it. - XX/XX/XXXX I mailed a formal UCC 9-210 Statement of Accounting Request. - XX/XX/XXXX LoanCare received the request. No sufficient response was provided. - XX/XX/XXXX I mailed Payment # 3, again under the accord and satisfaction notice. - Subsequent Payments ( # XXXX ) Made under duress, including Payment # XXXX sent with Check # XXXX on XX/XX/XXXX. - XX/XX/XXXX I mailed a formal Notice of Fault. - Throughout XXXX LoanCare responded only by sending copies of the note, deed of trust, and my payment history. They never validated ownership, chain of title, servicing authority, or responded to the restrictive endorsements. - XX/XX/XXXX I mailed a Qualified Written Request ( QWR ) under RESPA ( 12 U.S.C. 2605 ( e ) ; Reg X ). - XX/XX/XXXX XXXX was received by LoanCare and their registered agent. - XX/XX/XXXX LoanCare responded but failed to address key issues : no complete chain of title, no proof of securitization, no transactional accounting, and no legal justification for servicing or collection. - XX/XX/XXXX I mailed a formal follow-up letter ( Final Demand ), citing continued non-compliance and intent to escalate. - XX/XX/XXXX LoanCare mailed a Notice of Error Acknowledgment stating they would respond in XXXX business days. However, no extension was granted, and my dispute remains unresolved.As of today, LoanCare has : - Failed to validate the debt as required under RESPA - Failed to provide a full accounting or securitization disclosure - Failed to rebut a properly tendered accord and satisfaction - Failed to respond in good faith to repeated, documented disputes.","date_sent_to_company":"2025-03-29T05:45:33.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"92376","tags":null,"has_narrative":true,"complaint_id":"12721686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2025-03-29T04:35:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":[". - XX/XX/XXXX XXXX was received by LoanCare and their registered <em>agent</em>. - XX/XX/XXXX LoanCare responded but failed to address key issues : no complete chain of title, no <em>proof</em> of securitization, no <em>transactional</em> accounting, and no legal justification for servicing or collection. - XX/XX/XXXX I mailed a formal follow-up letter ( Final Demand ), citing continued non-<em>compliance</em> and intent to escalate. - XX/XX/XXXX LoanCare mailed a Notice of Error Acknowledgment stating they would respond in XXXX business"],"issue":["Trouble during <em>payment</em> process"]},"sort":[13.833292,"12721686"]},{"_index":"complaint-public-v1","_id":"19422831","_score":13.654493,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX RE : FORMAL DISPUTE, DEMAND FOR FULL VALIDATION, CEASE COLLECTION & CEASE REPORTING Account Referenced : XXXX Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ( XXXX XXXX  ) To Whom It May Concern, This letter serves as formal notice that I dispute the above-referenced alleged debt in its entirety pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). \n\nYou have sent collection correspondence demanding payment. However, you have not provided competent validation of this alleged obligation. \n\nYou are hereby required to provide complete, admissible documentation proving legal enforceability of this alleged debt, including but not limited to ALL of the following : 1. Original signed credit card application bearing my wet signature.\n\n2. Original cardholder agreement in effect at account opening.\n\n3. Any amended or subsequent cardholder agreements.\n\n4. Original account number and all associated account numbers.\n\n5. Complete monthly billing statements from account opening through charge-off.\n\n6. A full itemization of the current balance of {$520.00}, including principal, interest, late fees, and other charges.\n\n7. Documentation showing how interest was calculated.\n\n8. Date of first delinquency.\n\n9. Date of last payment. \n10. Date of charge-off.\n\n11. Proof the alleged debt is within the applicable statute of limitations. \n12. Proof XXXX XXXX XXXX legally owns this debt, including bill of sale, assignment agreements, and chain of custody documentation. \n13. Proof Credit Control , LLC has authority to collect on behalf of XXXX XXXX XXXX. \n14. Proof Credit Control , LLC is licensed and bonded to collect debts in the State of Florida. \n15. License number and registered agent. \n16. Proof of authority to furnish information to consumer reporting agencies. \n17. Copy of any contract authorizing XXXX or Credit Control to report. \n18. Documentation showing a reasonable investigation was conducted prior to furnishing information to any consumer reporting agency. \n19. Proof of compliance with 15 U.S.C. 1681s-2 ( b ).\n\n20. Proof of identity matching demonstrating this account belongs to me specifically. \n21. Documentation showing whether the account was ever sold, resold, or reassigned after charge-off.\n\n22. Complete transaction history from original creditor to present.\n\n23. Any insurance, credit protection, or add-on products associated with the account.\n\n24. Proof of mailing of any notices of assignment or transfer.\n\n25. Proof of mailing of any charge-off notice. \n\nInternal screenshots, spreadsheets, summaries, or database printouts will not constitute proper validation. \n\nAdditionally, if you have continued reporting this account to consumer reporting agencies after prior disputes without conducting a reasonable investigation, such conduct constitutes violations of : 15 U.S.C. 1692g ( b ) Continuing collection after dispute 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1681s-2 ( b ) Failure to conduct proper investigation Until full validation is provided, you must : Cease all collection activity Cease all communication regarding this account Cease furnishing or reporting this account to any consumer reporting agency If you are unable to provide full validation, you must immediately delete this account from all consumer reporting agencies and confirm deletion in writing. \n\nFailure to comply will result in formal complaints being filed with the Florida Attorney General, Missouri Attorney General, Federal Trade Commission, and Consumer Financial Protection Bureau. \n\nThis letter preserves all rights and remedies available under federal and state law. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-02-11T17:37:35.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"33897","tags":null,"has_narrative":true,"complaint_id":"19422831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Control, LLC","date_received":"2026-02-11T17:30:07.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Date of last <em>payment</em>. \n10. Date of charge-off.\n\n11. <em>Proof</em> the alleged debt is within the applicable statute of limitations. \n12. <em>Proof</em> XXXX XXXX XXXX legally owns this debt, including bill of sale, assignment agreements, and chain of custody documentation. \n13. <em>Proof</em> Credit Control , LLC has authority to collect on behalf of XXXX XXXX XXXX. \n14. <em>Proof</em> Credit Control , LLC is licensed and bonded to collect debts in the State of Florida. \n15. License number and registered <em>agent</em>. \n16."]},"sort":[13.654493,"19422831"]},{"_index":"complaint-public-v1","_id":"13076136","_score":13.559633,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX  ( Experian Equifax and TransUnion ), I recently received your response regarding my dispute about the alleged late payments that you furnished to reporting agencies from the account above. In your response you stated you conducted a thorough investigation on the account. Im led to question what factors, processes and reasonable procedures that were used in your thorough investigation that would be suitable and compliant to assure maximum possible accuracy when furnishing information such as late payments. I have requested documents from you as proof of compliance within the FCRA 15 USC 1666b, 1637 ( b ), 15 USC 1681s-2 ( 7 ). You XXXX ( Experian, Equifax, and TransUnion ) have not sent me the documents Ive requested and have not proven to be compliant, therefore, information you are furnishing such as late payments are still considered to be inaccurate and not valid for the record. Furthermore, if you are unable to provide proof of the required documents I am requesting an immediate update to my account to reflect closed, paid, never late. Not to be confused with an account deletion that you stated you were not willing to do in your response letter ( XXXX ). An account deletion is not what I originally requested. Again, I am requesting the account to be updated immediately to closed, paid, never late. See the required documents below within the statues of the law. \nThe only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \nFor any creditor to treat a payment as late you must prove the following : Each Periodic statement ; and The information required under 15 USC 1637 ( b ) of this title; was mailed out or delivered 21 Days before the payment due date Please provide the proof that this information was mailed out or delivered 21 days before the payment due date. \n\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 calendar days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. \nDo not reply to me stating that you are furnishing accurate information because we both know your not and you havent sent me or proven the requested documents necessary to validate your inaccurate furnishings. \nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1666b, 1637 ( b ), 15 USC 1681s-2 ( 7 ) If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2 . I have to be redundant in order to make myself clear. \nIn addition to the 15 USC 1666b requirements the alleged late payment that you have furnished is negative information and as a financial institution by law you are required to be in compliance with 15 USC 1681 s-2 ( 7 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. \n( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. \n( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. \nProve the tracking number for the notice with the date time year stamp of when this negative information notice was sent out to me before this negative information was furnished to the consumer reporting agency! This information is being requested in good faith pursuant Rule 1002. \n\nRegards, XXXX XXXX _______________________________ Without Recourse UCC 1-308","date_sent_to_company":"2025-04-20T02:47:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"13076136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-20T01:46:57.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Notice to <em>Agent</em> is Notice to Principal, Notice to Principal is Notice to <em>Agent</em> XXXX  ( Experian Equifax and TransUnion ), I recently received your response regarding my <em>dispute</em> about the alleged late <em>payments</em> that you furnished to reporting agencies from the account above. In your response you stated you conducted a thorough investigation on the account."]},"sort":[13.559633,"13076136"]},{"_index":"complaint-public-v1","_id":"13076158","_score":13.555941,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX  ( Experian Equifax and TransUnion ), I recently received your response regarding my dispute about the alleged late payments that you furnished to reporting agencies from the account above. In your response you stated you conducted a thorough investigation on the account. Im led to question what factors, processes and reasonable procedures that were used in your thorough investigation that would be suitable and compliant to assure maximum possible accuracy when furnishing information such as late payments. I have requested documents from you as proof of compliance within the FCRA 15 USC 1666b, 1637 ( b ), 15 USC 1681s-2 ( 7 ). You XXXX ( Experian, Equifax, and TransUnion ) have not sent me the documents Ive requested and have not proven to be compliant, therefore, information you are furnishing such as late payments are still considered to be inaccurate and not valid for the record. Furthermore, if you are unable to provide proof of the required documents I am requesting an immediate update to my account to reflect closed, paid, never late. Not to be confused with an account deletion that you stated you were not willing to do in your response letter ( XXXX ). An account deletion is not what I originally requested. Again, I am requesting the account to be updated immediately to closed, paid, never late. See the required documents below within the statues of the law. \nThe only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \nFor any creditor to treat a payment as late you must prove the following : Each Periodic statement ; and The information required under 15 USC 1637 ( b ) of this title; was mailed out or delivered 21 Days before the payment due date Please provide the proof that this information was mailed out or delivered 21 days before the payment due date. \n\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 calendar days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. \nDo not reply to me stating that you are furnishing accurate information because we both know your not and you havent sent me or proven the requested documents necessary to validate your inaccurate furnishings. \nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1666b, 1637 ( b ), 15 USC 1681s-2 ( 7 ) If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2 . I have to be redundant in order to make myself clear. \nIn addition to the 15 USC 1666b requirements the alleged late payment that you have furnished is negative information and as a financial institution by law you are required to be in compliance with 15 USC 1681 s-2 ( 7 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. \n( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. \n( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. \nProve the tracking number for the notice with the date time year stamp of when this negative information notice was sent out to me before this negative information was furnished to the consumer reporting agency! This information is being requested in good faith pursuant Rule 1002. \n\nRegards, XXXX XXXX _______________________________ Without Recourse UCC 1-308","date_sent_to_company":"2025-04-20T02:47:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"13076158","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-20T02:47:23.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Notice to <em>Agent</em> is Notice to Principal, Notice to Principal is Notice to <em>Agent</em> XXXX  ( Experian Equifax and TransUnion ), I recently received your response regarding my <em>dispute</em> about the alleged late <em>payments</em> that you furnished to reporting agencies from the account above. In your response you stated you conducted a thorough investigation on the account."]},"sort":[13.555941,"13076158"]},{"_index":"complaint-public-v1","_id":"13075383","_score":13.548261,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX  ( Experian Equifax and TransUnion ), I recently received your response regarding my dispute about the alleged late payments that you furnished to reporting agencies from the account above. In your response you stated you conducted a thorough investigation on the account. Im led to question what factors, processes and reasonable procedures that were used in your thorough investigation that would be suitable and compliant to assure maximum possible accuracy when furnishing information such as late payments. I have requested documents from you as proof of compliance within the FCRA 15 USC 1666b, 1637 ( b ), 15 USC 1681s-2 ( 7 ). You XXXX ( Experian, Equifax, and TransUnion ) have not sent me the documents Ive requested and have not proven to be compliant, therefore, information you are furnishing such as late payments are still considered to be inaccurate and not valid for the record. Furthermore, if you are unable to provide proof of the required documents I am requesting an immediate update to my account to reflect closed, paid, never late. Not to be confused with an account deletion that you stated you were not willing to do in your response letter ( XXXX ). An account deletion is not what I originally requested. Again, I am requesting the account to be updated immediately to closed, paid, never late. See the required documents below within the statues of the law. \nThe only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \nFor any creditor to treat a payment as late you must prove the following : Each Periodic statement ; and The information required under 15 USC 1637 ( b ) of this title; was mailed out or delivered 21 Days before the payment due date Please provide the proof that this information was mailed out or delivered 21 days before the payment due date. \n\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 calendar days to send me all the required information. \nA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. \nDo not reply to me stating that you are furnishing accurate information because we both know your not and you havent sent me or proven the requested documents necessary to validate your inaccurate furnishings. \nDo not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1666b, 1637 ( b ), 15 USC 1681s-2 ( 7 ) If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2 . I have to be redundant in order to make myself clear. \nIn addition to the 15 USC 1666b requirements the alleged late payment that you have furnished is negative information and as a financial institution by law you are required to be in compliance with 15 USC 1681 s-2 ( 7 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. \n( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. \n( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. \nProve the tracking number for the notice with the date time year stamp of when this negative information notice was sent out to me before this negative information was furnished to the consumer reporting agency! This information is being requested in good faith pursuant Rule 1002. \n\nRegards, XXXX XXXX _______________________________ Without Recourse UCC 1-308","date_sent_to_company":"2025-04-20T02:47:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"13075383","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-20T02:47:23.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Notice to <em>Agent</em> is Notice to Principal, Notice to Principal is Notice to <em>Agent</em> XXXX  ( Experian Equifax and TransUnion ), I recently received your response regarding my <em>dispute</em> about the alleged late <em>payments</em> that you furnished to reporting agencies from the account above. In your response you stated you conducted a thorough investigation on the account."]},"sort":[13.548261,"13075383"]},{"_index":"complaint-public-v1","_id":"8030378","_score":13.421305,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In Credit Acceptance 's previous response to my CFPB complaint, they mentioned the late payment information they are furnishing on my consumer report to the consumer reporting agencies was accurate information and they provided transaction history as evidence supporting such accuracy. However I made Credit Acceptance aware that transaction history is insufficient evidence in supporting that the alleged payments reporting as late is accurate information.\n\nAccording to the FCRA 15 U.S.Code 1681a ( 2 ) ( i ) My transactions and experiences with Credit Acceptance are to be excluded from my consumer report.\n\nAs youll see from the attached consumer reports, Credit Acceptance has inconsistently reported late payment information, which is not congruent across all consumer report\ning agencies consistently since XXXX XXXX XXXX. As a result, I can confirm that Credit Acceptance have inaccurately furnished several late payment information to the consumer reporting agencies and that they are in clear violation of the law.\n\nAccording to federal law 15 U.S. Code 1666b As a creditor under federal law ; in order for Credit Acceptance to treat a payment as late they must prove that : The information required under 15 USC 1637 ( b ) was mailed or delivered to me 21 Days before each payment due date.\n\n15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer.\n\nCredit Acceptance can not treat any payment as late without complying with this section of the law! Ive requested in good faith under rule 1002 the documents that show proof that the information pursuant to 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.\n\nIve made Credit Acceptance aware that if they can not provide the proof of the mailing or delivery of the information required by 15 usc 1666b and 1637 ( b ) they can not treat or furnish a payment as late and they must delete all late payment information including transactions they have been listed on my consumer report.\n\nIn addition, when providing such information, the process must be certified by an agent that the information is accurate. I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.\n\nFurthermore, as a furnisher under the Fair Credit Reporting Act to properly report this information as accurate and verified, Credit Acceptance must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.\n\nBecause Credit Acceptance has a duty to and is required to furnish accurate information to the consumer reporting agencies & takes its obligations to report accurately seriously, unless Credit Acceptance submits proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ), they may not report ANY late payment information to the consumer reporting agencies including but not limited to ; Account Status, payment history, past due Balances.\n\nBecause Credit Acceptance has a duty to and is required to furnish accurate information to the consumer reporting agencies & takes its obligations to report accurately seriously, if the evidence available to Credit Acceptance is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, Credit Acceptance as the furnisher must report that its investigation concluded that the disputed information can not be verified and it may be appropriate to delete any mentions of the missed payments while continuing to report other information about the account.\n\nI am demanding Credit Acceptance to delete the late payment information they are furnishing to the Consumer Reporting Agencies from my account.\n\nCredit Acceptance has infringed upon my privacy rights by providing my nonpublic personal information to third party companies such as XXXX, XXXX, and XXXX. Within their privacy policy, it is mentioned my nonpublic personal information to non affiliates will not be shared. XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX are all third party companies. \n\nCredit Acceptance also mentioned in their previous response that I can not opt out of credit reporting because I financed a vehicle through credit acceptance. I politely request Credit Acceptance to provide such law/evidence supporting such claim.\n\nAccording to federal law, Credit Acceptance is to provide a method for which I can prevent them from disclosing my nonpublic personal information by way of opting out.\n\nPursuant to 12 CFR 1016.7 & 15 U.S. Code 6802 before the time that any of my nonpublic personal information is initially disclosed, specifically to the consumer reporting agencies, to direct that such information not be disclosed to such third party ; and I am given an explanation of how I can exercise my right to opt out.\n\nPursuant to 12 CFR 1016.7 ( g ) a consumer may exercise the right to opt out any time.\n\nAs a federally protected consumer, I put Credit Acceptance on notice I am now opting out of any and all authorization I the consumer may have given them, written, unwritten, verbal, and nonverbal ( in disclosing my nonpublic personal information ) per 15 U.S.Code 6208.\n\nIn accordance with 12 CFR 1016.7 ( h ) & ( i ) Credit Acceptance must comply with the consumer direction to opt out as soon as reasonably practicable after receiving such notice and such direction to opt out shall be effective until the consumer revokes it in writing or, if the consumer agrees, electronically.\n\nThe Following statutes referenced, Credit Acceptance has not fully compiled with.\n\nBy Credit Acceptance furnishing my transactions and experiences with their company along with attempting to use transactional history as sufficient evidence on my consumer report to the consumer reporting agencies, when it is to be excluded is a violation of the FCRA 15 U.S.Code 1681a ( 2 ) ( i ).\n\nBy Credit Acceptance failing to proceed in accordance with the requirements for a creditor to treat the payments your furnishing from XX/XX/XXXX to XX/XX/XXXX as late and failing to provide the required information and proof of such information being mailed or delivered to me, is a violation of 15 U.S. Code 1666b & 1637 ( b ). \n\nBy Credit Acceptance furnishing any late payment information to any consumer reporting agency without being in compliance with 15 USC 1666b & 1637 ( b ) is a violation of 15 U.S. Code 1666b & 1637 ( b ).\n\nBy me the consumer notifying Credit Acceptance about the specified information being inaccurate and them continuing to furnish any late payment information to any consumer reporting agency knowing theyre not in compliance with 15 usc 1666b which means the information is inaccurate is a violation of the FCRA 15 USC 1681s-2.\n\nBy Credit Acceptance refusing me my right to protect my nonpublic personal information from being disclosed to the consumer reporting agencies is a violation of the Privacy Act of XXXX. \n\nBy Credit Acceptance refusing me my right to opt out of sharing my nonpublic personal information with the consumer reporting agencies is a violation of 12 CFR 1016.7 & 15 U.S. Code 6802.\n\nIn conclusion, Credit Acceptance has failed to fully comply with various laws. Credit Acceptance has clear requirements and responsibilities as a Financial Institution, a Creditor, and a Furnisher in accordance with federal law. They have been made aware and put on notice, Credit Acceptance must be held liable for any amount equal to the sum of the cost of action taken to enforce any liability including but not limited to attorney fees and any damages i've occurred due to the result of them continuously willfully and/or negligently failing to comply with any law herein.","date_sent_to_company":"2023-12-20T01:39:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"8030378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-12-20T01:26:33.000Z","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":["In Credit Acceptance 's previous response to my CFPB complaint, they mentioned the late <em>payment</em> information they are furnishing on my consumer report to the consumer reporting agencies was accurate information and they <em>provided</em> <em>transaction</em> history as evidence supporting such accuracy. However I made Credit Acceptance aware that <em>transaction</em> history is insufficient evidence in supporting that the alleged <em>payments</em> reporting as late is accurate information."]},"sort":[13.421305,"8030378"]},{"_index":"complaint-public-v1","_id":"14088230","_score":13.305564,"_source":{"product":"Credit card","complaint_what_happened":"Chase Bank wrongfully closed my account, ignored valid disputes, and charged unlawful fees despite repeated documentation submissions. Agents hung up on me, provided invalid contacts, and failed to resolve issues despite multiple escalations. I demand : ( 1 ) Reopening of disputes, ( 2 ) Reversal of fees, ( 3 ) Written explanation for closure, and ( 4 ) Compliance with the Fair Credit Billing Act. \n\nThis has been an ongoing issue with very little support in between small problems amounting to a larger one. Firstly, Chase has no clear support messaging system. When they require information from you they direct you to a website that is often not functional ( and if it is functional it does not tell you whether or not your uploads/messages failed ). This leads to me uploading documentation while Chase claims I never uploaded it. My first image attached will show this. \n\nAfter disputing the documented canceled charges on XXXX, I asked Chase support what happened, but Chase did not even bother responding back. All of their support involves a phone call. They avoid emails and messages, and so I can not document these conversations well. I've had two agents hang up on me, and another tell me to call back despite having proper documentation for my dispute with them. Weeks later I call back, they tell me my dispute was never processed. For documentation purposes, I can only attach my emails to Chase since I can not record my phone calls with support. Here is the first email I sent to them regarding the matter. My images in this email will be the next two uploaded into the query below : NOTICE 1 : Hello, I have been dealing with a very problematic series of disputes regarding my account. During my most recent call today at XXXX I am seeing that the disputes went through without my documentation ( despite me uploading this three times ). Now thanks to these disputes, Chase has stated over the phone several things : 1 ) That they didn't even initiate the disputes 2 ) There was no documentation 3 ) That the account was closed due to activity indicating abuse The disputes were never initiated, No documentation was received, and The account has been closed due to abuse of the dispute process. \n\nIn addition to these contradictory statements, I was hung up on by three different agents during calls, and provided a fraud department number ( XXXX XXXX ) that appears to be invalid and raises scam alerts publicly. This number has hung up on me twice. \nAt this point, I am unsure whether there has been an internal processing error or if my account has been compromised. What is clear is that : My documentation has been submitted multiple times, The disputed charges are valid grounds for dispute under the Fair Credit Billing Act, and I am being unfairly penalized with an account closure and balance demand while the disputes are unresolved. \n\nI am attaching my documentation again with this message. I request : Immediate acknowledgment and review of the attached evidence, A clear status update on each disputed transaction, Written confirmation that I am not required to pay the disputed amount while the investigation is ongoing, and Clarification on whether the account closure is final and on what basis. \n\nUnless I receive a satisfactory update by Friday, XX/XX/XXXX, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue all other regulatory remedies. \n\nThank you for your attention to this matter. \n\nNOTICE 2 : Dear Chase Executive Team, I am writing to formally address the ongoing mishandling of my disputes ( initiated in XX/XX/year> ) and the unjust closure of my account. Despite submitting documentation XXXX timesvia Chases online platform, email to executive support on XX/XX/year>, and during multiple callsChase continues to provide contradictory information, delay resolution, and impose unfair penalties. Below is a summary of the issues : 1. Documentation Submitted but Ignored On XX/XX/year>, I provided proof ( attached in all submissions ) that XXXX confirmed a refund for the disputed transaction ( XX/XX/year> ) would process in XXXX business days. \n\nDuring my call today ( XX/XX/year> ), the agent acknowledged receiving this documentation yet claimed it was \" invalid '' because it lacked a refund timelinedespite the timeline being clearly stated. This is unacceptable. \n\n2. Dispute Errors and Missing Claims Chase has processed two {$100.00} disputes but claims to have no record of the three {$50.00} disputes, even though all disputes were listed in the same documentation submitted repeatedly. This suggests either gross negligence or systemic failure.\n\n3. Account Closure and Unlawful Fees My account was closed prematurely for alleged \" abuse of disputes, '' though I acted in good faith with valid claims under the Fair Credit Billing Act. \n\nDue to the closure, Ive been unable to make payments, resulting in : A {$28.00} late fee ( XX/XX/year> ) {$2.00} interest charge ( XX/XX/year> ) These fees are Chases responsibility and must be reversed. \n\n4. Inaccessible Support and Invalid Contacts Chases claim that it \" doesnt send emails '' contradicts your XX/XX/XXXX request for documentation. \n\nThe fraud department number provided ( XXXX XXXX ) appears invalid and has hung up on me repeatedly. \n\nDemands for XXXX XXXX XXXX XX/XX/year>, I demand in writing : Confirmation that all five disputes ( {$100.00} x2 + {$50.00} x3 ) are being investigated. \n\nReversal of all late fees and interest charges caused by Chases actions. \n\nProof that the account closure was not retaliatory for lawful disputes. \n\nA direct contact ( name/email/phone ) for a senior representative to resolve this. \n\nIf I do not receive a satisfactory response, I will escalate to Consumer Financial Protection Bureau ( CFPB ) and pursue all other regulatory remedies. \n\nI have wiped personal information I have placed within these emails. Chase has not responded to any of these emails. There may be more documentation I have regarding this issue, but I will avoid overloading the query for now. Please let me know if additional info or clarification is needed as I have tried to keep this short. Thank you for the help.","date_sent_to_company":"2025-06-15T16:43:05.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"10009","tags":null,"has_narrative":true,"complaint_id":"14088230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-06-15T16:09:08.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Chase Bank wrongfully closed my account, ignored valid <em>disputes</em>, and charged unlawful fees despite repeated documentation submissions. <em>Agents</em> hung up on me, <em>provided</em> invalid contacts, and failed to resolve issues despite multiple escalations. I demand : ( 1 ) Reopening of <em>disputes</em>, ( 2 ) Reversal of fees, ( 3 ) Written explanation for closure, and ( 4 ) <em>Compliance</em> with the Fair Credit Billing Act."]},"sort":[13.305564,"14088230"]},{"_index":"complaint-public-v1","_id":"9578481","_score":12.868258,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It XXXX Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have provided excluded transactions that are prohibited by the Federal Credit Reporting Act. \n\nYOUR COMPANY IS IN CLEAR VIOLATION OF THE FCRA Pursuant to 15 USC 1681a 2 ( A ) D ) This is a request that you rectify the unlawful \" late '' reports on my Consumer Report and update them to \" paid as agreed. '' 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.\n\n15 U.S. Code 1681a - Definitions ; rules of construction -EXCLUSIONS- Except as provided in paragraph ( 3 ), the, consumer report does not include- SUBJECT TO SECTION 1681s-3 of this title, any ( i ) Reports containing information solely as to transactions or expenses between the consumer and the person making the report. \n\nTHE LAW CLEARLY STATES : The transactions between Consumer ( XXXX ) and Person ( COMPANY ) are indeed EXCLUDED from the consumer report. XXXX and/or any other risk score/ algorithm that you use to calculate a consumers XXXX XXXX is NOT a factor when the consumers report is concerned. \n\nI did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a and 15 USC 1666b. Please work diligently to address and rectify these furnishing of late payments on my consumer report.\n\nPursuant to 15 U.S.C. 1666b, I demand that you provide proof you mailed the required disclosure detailing negative information to my consumer report via certified mail. Please provide the tracking number and a copy of the certified mail receipt. The law requires that this disclosure must have been mailed at least XXXX  days prior to the due date to justify marking this account as late. I expect prompt compliance, and failure to provide this evidence will be taken as an admission of non-compliance with the FCRA. \n\nTo date, I have not received the required notice by Mail, which violates the FCRA. The law states XXXX MAIL must be sent to my address not an E-MAIL. I demand that you provide a certified copy of the mailed disclosure sent XXXX  days prior to furnishing this debt, as mandated by law. Failure to produce this documentation requires you to update the late payments to paid as agreed in accordance with the FCRA. \nFurthermore, the notice must have included a clear and conspicuous disclosure of the consumers rights such as the periodic statement including the information required by section 1637 ( b ). Without this disclosure, any furnishing of a late payment status is invalid and INACCURATE by LAW. Any further furnishing of such information constitutes be aggravated violation of the FCRA, and I will be entitled to statutory and negligent damages BY WAY OF ARBITRATION OR LITIGATION. You have XXXX  days from receipt of this request to provide the required documentation, if failing to do so then you must delete the late payments from this account. \n\nTHE FCRA CLEARLY STATES : 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. \n\nYou have furnished excluded transaction information on the following accounts : Account name : SOUND CREDIT UNION Account number : XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked and will be valid for remedy in court I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of \" paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. \n\nAs per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \n\nI have attached supporting documentation that evidences the illegal furnishing of transactional history, which XXXX be utilized as evidence in any future legal proceedings. A thorough review of the report reveals ( XXXX ) instances of XXXX status, which I contest. If this dispute is not resolved and the report is verified without proper investigation and consideration of the provided documentation, it will constitute an additional violation of the FCRA. Pursuant to 15 U.S.C. 1681s-2, all parties involved in furnishing this account information will be held liable for any resulting damages. I urge you to comply with the FCRA and respect my rights, thereby avoiding any further escalation and ensuring a resolution to this matter.\n\nFinally, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a detailed description of the investigation procedure utilized by your company to verify the accuracy of the disputed information. Specifically, I require a comprehensive outline of the steps taken to investigate the disputed accuracy, including : A clear explanation of the investigation process The specific documents and records reviewed The identity of the personnel involved in the investigation The criteria used to determine the accuracy of the information Any supporting evidence or documentation relied upon to verify the accuracy of the information This request is made in accordance with the FCRA 's requirement that furnishers of information provide a clear and transparent explanation of their investigation procedures in cases of disputed accuracy, ensuring that I am afforded a full understanding of the measures taken to verify the accuracy of my personal information. \n\nYOU ARE IN VIOLATION OF 15 USC 1681a AND 15 USC 1666b. After updating my Consumer Report please provide me with an updated report reflecting the changes to paid as agreed. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice you have XXXX  DAYS TO PROVIDE PROPER EVIDENCE OR YOU MUST REMOVE ALL LATE PAYMENTS ON THIS ACCOUNT. \n\n\nThank you for your time, YOUR FIRST AND LAST NAME","date_sent_to_company":"2024-07-23T02:45:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23435","tags":null,"has_narrative":true,"complaint_id":"9578481","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-23T02:45:06.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["NOTICE TO PRINCIPAL IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO PRINCIPAL To Whom It XXXX Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have <em>provided</em> excluded transactions that are prohibited by the Federal Credit Reporting Act."]},"sort":[12.868258,"9578481"]},{"_index":"complaint-public-v1","_id":"9525280","_score":12.868258,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have provided excluded transactions that are prohibited by the Federal Credit Reporting Act. \n\nYOUR COMPANY IS IN CLEAR VIOLATION OF THE FCRA Pursuant to 15 USC 1681a 2 ( A ) D ) This is a request that you rectify the unlawful \" late '' reports on my Consumer Report and update them to \" paid as agreed. '' 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.\n\n15 U.S. Code 1681a - Definitions ; rules of construction -EXCLUSIONS- Except as provided in paragraph ( 3 ), the, consumer report does not include- SUBJECT TO SECTION 1681s-3 of this title, any ( i ) Reports containing information solely as to transactions or expenses between the consumer and the person making the report.\n\nTHE LAW CLEARLY STATES : The transactions between Consumer ( ME ) and Person ( COMPANY ) are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. \n\nI did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a and 15 USC 1666b. Please work diligently to address and rectify these furnishing of late payments on my consumer report.\n\nPursuant to 15 U.S.C. 1666b, I demand that you provide proof you mailed the required disclosure detailing negative information to my consumer report via certified mail. Please provide the tracking number and a copy of the certified mail receipt. The law requires that this disclosure must have been mailed at least 21 days prior to the due date to justify marking this account as late. I expect prompt compliance, and failure to provide this evidence will be taken as an admission of non-compliance with the FCRA. \n\nTo date, I have not received the required notice by Mail, which violates the FCRA. The law states Physical MAIL must be sent to my address not an E-MAIL. I demand that you provide a certified copy of the mailed disclosure sent 21 days prior to furnishing this debt, as mandated by law. Failure to produce this documentation requires you to update the late payments to paid as agreed in accordance with the FCRA. \nFurthermore, the notice must have included a clear and conspicuous disclosure of the consumers rights such as the periodic statement including the information required by section 1637 ( b ) .Without this disclosure any furnishing of a late payment status is invalid and INACCURATE by LAW.. Any further furnishing of such information constitutes be aggravated violation of the FCRA, and I will be entitled to statutory and negligent damages BY WAY OF ARBITRATION OR LITIGATION. You have 15 days from receipt of this request to provide the required documentation, if failing to do so then you must delete the late payments from this account. \n\nTHE FCRA CLEARLY STATES : 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \n\nYou have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX XXXX  Account number XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked and will be valid for remedy in court I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of \" paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. \n\nAs per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \n\nI have attached supporting documentation that evidences the illegal furnishing of transactional history, which may be utilized as evidence in any future legal proceedings. A thorough review of the report reveals ( 2 ) instances of Late status, which I contest. If this dispute is not resolved and the report is verified without proper investigation and consideration of the provided documentation, it will constitute an additional violation of the FCRA. Pursuant to 15 U.S.C. 1681s-2, all parties involved in furnishing this account information will be held liable for any resulting damages. I urge you to comply with the FCRA and respect my rights, thereby avoiding any further escalation and ensuring a resolution to this matter.\n\nFinally, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a detailed description of the investigation procedure utilized by your company to verify the accuracy of the disputed information. Specifically, I require a comprehensive outline of the steps taken to investigate the disputed accuracy, including : A clear explanation of the investigation process The specific documents and records reviewed The identity of the personnel involved in the investigation The criteria used to determine the accuracy of the information Any supporting evidence or documentation relied upon to verify the accuracy of the information This request is made in accordance with the FCRA 's requirement that furnishers of information provide a clear and transparent explanation of their investigation procedures in cases of disputed accuracy, ensuring that I am afforded a full understanding of the measures taken to verify the accuracy of my personal information.\n\nYOU ARE IN VIOLATION OF 15 USC 1681a AND 15 USC 1666b. After updating my Consumer Report please provide me with an updated report reflecting the changes to paid as agreed. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice you have 15 DAYS TO PROVIDE PROPER EVIDENCE OR YOU MUST REMOVE ALL LATE PAYMENTS ON THIS ACCOUNT. \n\n\nThank you for your time,","date_sent_to_company":"2024-07-16T23:55:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"9525280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-16T23:39:08.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["NOTICE TO PRINCIPAL IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO PRINCIPAL To Whom It May Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have <em>provided</em> excluded transactions that are prohibited by the Federal Credit Reporting Act."]},"sort":[12.868258,"9525280"]},{"_index":"complaint-public-v1","_id":"9579315","_score":12.860059,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It XXXX Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have provided excluded transactions that are prohibited by the Federal Credit Reporting Act. \n\nYOUR COMPANY IS IN CLEAR VIOLATION OF THE FCRA Pursuant to 15 USC 1681a 2 ( A ) D ) This is a request that you rectify the unlawful \" late '' reports on my Consumer Report and update them to \" paid as agreed. '' 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.\n\n15 U.S. Code 1681a - Definitions ; rules of construction -EXCLUSIONS- Except as provided in paragraph ( XXXX ), the, consumer report does not include- SUBJECT TO SECTION XXXX of this title, any ( i ) Reports containing information solely as to transactions or expenses between the consumer and the person making the report. \n\nTHE LAW CLEARLY STATES : The transactions between Consumer ( XXXX ) and Person ( COMPANY ) are indeed EXCLUDED from the consumer report. XXXX and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. \n\nI did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a and 15 USC 1666b. Please work diligently to address and rectify these furnishing of late payments on my consumer report.\n\nPursuant to 15 U.S.C. 1666b, I demand that you provide proof you mailed the required disclosure detailing negative information to my consumer report via certified mail. Please provide the tracking number and a copy of the certified mail receipt. The law requires that this disclosure must have been mailed at least XXXX  days prior to the due date to justify marking this account as late. I expect prompt compliance, and failure to provide this evidence will be taken as an admission of non-compliance with the FCRA. \n\nTo date, I have not received the required notice by Mail, which violates the FCRA. The law states XXXX MAIL must be sent to my address not an E-MAIL. I demand that you provide a certified copy of the mailed disclosure sent XXXX  days prior to furnishing this debt, as mandated by law. Failure to produce this documentation requires you to update the late payments to paid as agreed in accordance with the FCRA. \nFurthermore, the notice must have included a clear and conspicuous disclosure of the consumers rights such as the periodic statement including the information required by section XXXX ( b ). Without this disclosure, any furnishing of a late payment status is invalid and INACCURATE by LAW. Any further furnishing of such information constitutes be aggravated violation of the FCRA, and I will be entitled to statutory and negligent damages BY WAY OF ARBITRATION OR LITIGATION. You have XXXX  days from receipt of this request to provide the required documentation, if failing to do so then you must delete the late payments from this account. \n\nTHE FCRA CLEARLY STATES : 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. \n\nYou have furnished excluded transaction information on the following accounts : Account name : XXXX XXXX XXXX Account number : XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked and will be valid for remedy in court I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of \" paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. \n\nAs per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \n\nI have attached supporting documentation that evidences the illegal furnishing of transactional history, which XXXX be utilized as evidence in any future legal proceedings. A thorough review of the report reveals ( XXXX ) instances of XXXX status, which I contest. If this dispute is not resolved and the report is verified without proper investigation and consideration of the provided documentation, it will constitute an additional violation of the FCRA. Pursuant to 15 U.S.C. 1681s-2, all parties involved in furnishing this account information will be held liable for any resulting damages. I urge you to comply with the FCRA and respect my rights, thereby avoiding any further escalation and ensuring a resolution to this matter. \n\n\nFinally, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a detailed description of the investigation procedure utilized by your company to verify the accuracy of the disputed information. Specifically, I require a comprehensive outline of the steps taken to investigate the disputed accuracy, including : A clear explanation of the investigation process The specific documents and records reviewed The identity of the personnel involved in the investigation The criteria used to determine the accuracy of the information Any supporting evidence or documentation relied upon to verify the accuracy of the information This request is made in accordance with the FCRA 's requirement that furnishers of information provide a clear and transparent explanation of their investigation procedures in cases of disputed accuracy, ensuring that I am afforded a full understanding of the measures taken to verify the accuracy of my personal information. \n\nYOU ARE IN VIOLATION OF 15 USC 1681a AND 15 USC 1666b. After updating my Consumer Report please provide me with an updated report reflecting the changes to paid as agreed. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice you have XXXX  DAYS TO PROVIDE PROPER EVIDENCE OR YOU MUST REMOVE ALL LATE PAYMENTS ON THIS ACCOUNT. \n\n\nThank you for your time, YOUR FIRST AND LAST NAME","date_sent_to_company":"2024-07-23T02:45:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23435","tags":null,"has_narrative":true,"complaint_id":"9579315","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-23T02:45:06.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["NOTICE TO PRINCIPAL IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO PRINCIPAL To Whom It XXXX Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have <em>provided</em> excluded transactions that are prohibited by the Federal Credit Reporting Act."]},"sort":[12.860059,"9579315"]},{"_index":"complaint-public-v1","_id":"9525458","_score":12.860059,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have provided excluded transactions that are prohibited by the Federal Credit Reporting Act. \n\nYOUR COMPANY IS IN CLEAR VIOLATION OF THE FCRA Pursuant to 15 USC 1681a 2 ( A ) D ) This is a request that you rectify the unlawful \" late '' reports on my Consumer Report and update them to \" paid as agreed. '' 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.\n\n15 U.S. Code 1681a - Definitions ; rules of construction -EXCLUSIONS- Except as provided in paragraph ( 3 ), the, consumer report does not include- SUBJECT TO SECTION 1681s-3 of this title, any ( i ) Reports containing information solely as to transactions or expenses between the consumer and the person making the report.\n\nTHE LAW CLEARLY STATES : The transactions between Consumer ( ME ) and Person ( COMPANY ) are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned.\n\nI did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a and 15 USC 1666b. Please work diligently to address and rectify these furnishing of late payments on my consumer report.\n\nPursuant to 15 U.S.C. 1666b, I demand that you provide proof you mailed the required disclosure detailing negative information to my consumer report via certified mail. Please provide the tracking number and a copy of the certified mail receipt. The law requires that this disclosure must have been mailed at least 21 days prior to the due date to justify marking this account as late. I expect prompt compliance, and failure to provide this evidence will be taken as an admission of non-compliance with the FCRA.\n\nTo date, I have not received the required notice by Mail, which violates the FCRA. The law states Physical MAIL must be sent to my address not an E-MAIL. I demand that you provide a certified copy of the mailed disclosure sent 21 days prior to furnishing this debt, as mandated by law. Failure to produce this documentation requires you to update the late payments to paid as agreed in accordance with the FCRA.\n\nFurthermore, the notice must have included a clear and conspicuous disclosure of the consumers rights such as the periodic statement including the information required by section 1637 ( b ) .Without this disclosure any furnishing of a late payment status is invalid and INACCURATE by LAW.. Any further furnishing of such information constitutes be aggravated violation of the FCRA, and I will be entitled to statutory and negligent damages BY WAY OF ARBITRATION OR LITIGATION. You have 15 days from receipt of this request to provide the required documentation, if failing to do so then you must delete the late payments from this account.\n\nTHE FCRA CLEARLY STATES : 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \n\nYou have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX XXXX  Account number XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked and will be valid for remedy in court I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of \" paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. \n\nAs per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \n\nI have attached supporting documentation that evidences the illegal furnishing of transactional history, which may be utilized as evidence in any future legal proceedings. A thorough review of the report reveals ( 2 ) instances of Late status, which I contest. If this dispute is not resolved and the report is verified without proper investigation and consideration of the provided documentation, it will constitute an additional violation of the FCRA. Pursuant to 15 U.S.C. 1681s-2, all parties involved in furnishing this account information will be held liable for any resulting damages. I urge you to comply with the FCRA and respect my rights, thereby avoiding any further escalation and ensuring a resolution to this matter. \n\nFinally, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a detailed description of the investigation procedure utilized by your company to verify the accuracy of the disputed information. Specifically, I require a comprehensive outline of the steps taken to investigate the disputed accuracy, including : A clear explanation of the investigation process The specific documents and records reviewed The identity of the personnel involved in the investigation The criteria used to determine the accuracy of the information Any supporting evidence or documentation relied upon to verify the accuracy of the information This request is made in accordance with the FCRA 's requirement that furnishers of information provide a clear and transparent explanation of their investigation procedures in cases of disputed accuracy, ensuring that I am afforded a full understanding of the measures taken to verify the accuracy of my personal information. \n\nYOU ARE IN VIOLATION OF 15 USC 1681a AND 15 USC 1666b. After updating my Consumer Report please provide me with an updated report reflecting the changes to paid as agreed. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice you have 15 DAYS TO PROVIDE PROPER EVIDENCE OR YOU MUST REMOVE ALL LATE PAYMENTS ON THIS ACCOUNT. \n\n\nThank you for your time,","date_sent_to_company":"2024-07-16T23:55:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"9525458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-16T23:55:33.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["NOTICE TO PRINCIPAL IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO PRINCIPAL To Whom It May Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have <em>provided</em> excluded transactions that are prohibited by the Federal Credit Reporting Act."]},"sort":[12.860059,"9525458"]},{"_index":"complaint-public-v1","_id":"9445632","_score":12.860059,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have provided excluded transactions that are prohibited by the Federal Credit Reporting Act.\n\nYOUR COMPANY IS IN CLEAR VIOLATION OF THE FCRA Pursuant to 15 USC 1681a 2 ( A ) D ) This is a request that you rectify the unlawful \" late '' reports on my Consumer Report and update them to \" paid as agreed. '' 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.\n\n15 U.S. Code 1681a - Definitions ; rules of construction -EXCLUSIONS- Except as provided in paragraph ( 3 ), the, consumer report does not include- SUBJECT TO SECTION 1681s-3 of this title, any ( i ) Reports containing information solely as to transactions or expenses between the consumer and the person making the report.\n\nTHE LAW CLEARLY STATES : The transactions between Consumer ( ME ) and Person ( COMPANY ) are indeed EXCLUDED from the consumer report. XXXX and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned.\n\nI did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a and 15 USC 1666b. Please work diligently to address and rectify these furnishing of late payments on my consumer report.\n\nPursuant to 15 U.S.C. 1666b, I demand that you provide proof you mailed the required disclosure detailing negative information to my consumer report via certified mail. Please provide the tracking number and a copy of the certified mail receipt. The law requires that this disclosure must had been mailed at least 21 days prior to the due date to justify marking this account as late. I expect prompt compliance, and failure to provide this evidence will be taken as an admission of non-compliance with the FCRA. \n\nTo date, I have not received the required notice by Mail, which violates the FCRA. The law states Physical MAIL must be sent to my address not an E-MAIL. I demand that you provide a certified copy of the mailed disclosure sent 21 days prior to furnishing this debt, as mandated by law. Failure to produce this documentation requires you to update the late payments to paid as agreed in accordance with the FCRA. \nFurthermore, the notice must have included a clear and conspicuous disclosure of the consumers rights such as the periodic statement including the information required by section 1637 ( b ) .Without this disclosure any furnishing of a late payment status invalid and INACCURATE by law. Any further furnishing of such information constitutes to be aggravated violation of the FCRA, and I will be entitled to statutory and negligent damages BY WAY OF ARBITRATION OR LITIGATION. You have 15 days from receipt of this request to provide the required documentation, if failing to so then you must delete the late payments from this account. \n\nTHE FCRA CLEARLY STATES : 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \n\nYou have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX XXXX Account number : XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked and will be valid for remedy in court I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of \" paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. \n\nAs per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \n\nI have attached supporting documentation that evidences the illegal furnishing of transactional history, which may be utilized as evidence in any future legal proceedings. A thorough review of the report reveals ( 10 ) instances of Late status, which I contest. If this dispute is not resolved and the report is verified without proper investigation and consideration of the provided documentation, it will constitute an additional violation of the FCRA. Pursuant to 15 U.S.C. 1681s-2, all parties involved in furnishing this account information will be held liable for any resulting damages. I urge you to comply with the FCRA and respect my rights, thereby avoiding any further escalation and ensuring a resolution to this matter. \n\n\nFinally, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a detailed description of the investigation procedure utilized by your company to verify the accuracy of the disputed information. Specifically, I require a comprehensive outline of the steps taken to investigate the disputed accuracy, including : A clear explanation of the investigation process The specific documents and records reviewed The identity of the personnel involved in the investigation The criteria used to determine the accuracy of the information Any supporting evidence or documentation relied upon to verify the accuracy of the information This request is made in accordance with the FCRA 's requirement that furnishers of information provide a clear and transparent explanation of their investigation procedures in cases of disputed accuracy, ensuring that I am afforded a full understanding of the measures taken to verify the accuracy of my personal information. \n\nYOU ARE IN VIOLATION OF 15 USC 1681a AND 15 USC 1666b. After updating my Consumer Report please provide me with an updated report reflecting the changes to paid as agreed. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice you have 15 DAYS TO PROVIDE PROPER EVIDENCE OR YOU MUST REMOVE ALL LATE PAYMENTS ON THIS ACCOUNT. \n\nThank you for your time,","date_sent_to_company":"2024-07-06T23:02:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23435","tags":null,"has_narrative":true,"complaint_id":"9445632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-06T22:49:00.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["NOTICE TO PRINCIPAL IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO PRINCIPAL To Whom It May Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have <em>provided</em> excluded transactions that are prohibited by the Federal Credit Reporting Act."]},"sort":[12.860059,"9445632"]},{"_index":"complaint-public-v1","_id":"9445602","_score":12.850872,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have provided excluded transactions that are prohibited by the Federal Credit Reporting Act.\n\nYOUR COMPANY IS IN CLEAR VIOLATION OF THE FCRA Pursuant to 15 USC 1681a 2 ( A ) D ) This is a request that you rectify the unlawful \" late '' reports on my Consumer Report and update them to \" paid as agreed. '' 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.\n\n15 U.S. Code 1681a - Definitions ; rules of construction -EXCLUSIONS- Except as provided in paragraph ( 3 ), the, consumer report does not include- SUBJECT TO SECTION 1681s-3 of this title, any ( i ) Reports containing information solely as to transactions or expenses between the consumer and the person making the report.\n\nTHE LAW CLEARLY STATES : The transactions between Consumer ( ME ) and Person ( COMPANY ) are indeed EXCLUDED from the consumer report. XXXX and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. \n\nI did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a and 15 USC 1666b. Please work diligently to address and rectify these furnishing of late payments on my consumer report.\n\nPursuant to 15 U.S.C. 1666b, I demand that you provide proof you mailed the required disclosure detailing negative information to my consumer report via certified mail. Please provide the tracking number and a copy of the certified mail receipt. The law requires that this disclosure must had been mailed at least 21 days prior to the due date to justify marking this account as late. I expect prompt compliance, and failure to provide this evidence will be taken as an admission of non-compliance with the FCRA.\n\nTo date, I have not received the required notice by Mail, which violates the FCRA. The law states Physical MAIL must be sent to my address not an E-MAIL. I demand that you provide a certified copy of the mailed disclosure sent 21 days prior to furnishing this debt, as mandated by law. Failure to produce this documentation requires you to update the late payments to paid as agreed in accordance with the FCRA. \nFurthermore, the notice must have included a clear and conspicuous disclosure of the consumers rights such as the periodic statement including the information required by section 1637 ( b ) .Without this disclosure any furnishing of a late payment status invalid and INACCURATE by law. Any further furnishing of such information constitutes to be aggravated violation of the FCRA, and I will be entitled to statutory and negligent damages BY WAY OF ARBITRATION OR LITIGATION. You have 15 days from receipt of this request to provide the required documentation, if failing to so then you must delete the late payments from this account. \n\nTHE FCRA CLEARLY STATES : 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \n\nYou have furnished excluded transaction information on the following accounts : NAVY FEDERAL CR UNION Account number : XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked and will be valid for remedy in court I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of \" paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. \n\nAs per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \n\nI have attached supporting documentation that evidences the illegal furnishing of transactional history, which may be utilized as evidence in any future legal proceedings. A thorough review of the report reveals ( 10 ) instances of Late status, which I contest. If this dispute is not resolved and the report is verified without proper investigation and consideration of the provided documentation, it will constitute an additional violation of the FCRA. Pursuant to 15 U.S.C. 1681s-2, all parties involved in furnishing this account information will be held liable for any resulting damages. I urge you to comply with the FCRA and respect my rights, thereby avoiding any further escalation and ensuring a resolution to this matter. \n\n\nFinally, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a detailed description of the investigation procedure utilized by your company to verify the accuracy of the disputed information. Specifically, I require a comprehensive outline of the steps taken to investigate the disputed accuracy, including : A clear explanation of the investigation process The specific documents and records reviewed The identity of the personnel involved in the investigation The criteria used to determine the accuracy of the information Any supporting evidence or documentation relied upon to verify the accuracy of the information This request is made in accordance with the FCRA 's requirement that furnishers of information provide a clear and transparent explanation of their investigation procedures in cases of disputed accuracy, ensuring that I am afforded a full understanding of the measures taken to verify the accuracy of my personal information. \n\nYOU ARE IN VIOLATION OF 15 USC 1681a AND 15 USC 1666b. After updating my Consumer Report please provide me with an updated report reflecting the changes to paid as agreed. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice you have 15 DAYS TO PROVIDE PROPER EVIDENCE OR YOU MUST REMOVE ALL LATE PAYMENTS ON THIS ACCOUNT. \n\nThank you for your time,","date_sent_to_company":"2024-07-06T23:02:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23435","tags":null,"has_narrative":true,"complaint_id":"9445602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-07-06T23:02:26.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["NOTICE TO PRINCIPAL IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO PRINCIPAL To Whom It May Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have <em>provided</em> excluded transactions that are prohibited by the Federal Credit Reporting Act."]},"sort":[12.850872,"9445602"]},{"_index":"complaint-public-v1","_id":"9445601","_score":12.850872,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I am contacting you because I have recently obtained a copy of my consumer report and I am aware that you have provided excluded transactions that are prohibited by the Federal Credit Reporting Act.\n\nYOUR COMPANY IS IN CLEAR VIOLATION OF THE FCRA Pursuant to 15 USC 1681a 2 ( A ) D ) This is a request that you rectify the unlawful \" late '' reports on my Consumer Report and update them to \" paid as agreed. '' 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.\n\n15 U.S. Code 1681a - Definitions ; rules of construction -EXCLUSIONS- Except as provided in paragraph ( 3 ), the, consumer report does not include- SUBJECT TO SECTION 1681s-3 of this title, any ( i ) Reports containing information solely as to transactions or expenses between the consumer and the person making the report.\n\nTHE LAW CLEARLY STATES : The transactions between Consumer ( ME ) and Person ( COMPANY ) are indeed EXCLUDED from the consumer report. XXXX and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. \n\nI did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a and 15 USC 1666b. Please work diligently to address and rectify these furnishing of late payments on my consumer report.\n\nPursuant to 15 U.S.C. 1666b, I demand that you provide proof you mailed the required disclosure detailing negative information to my consumer report via certified mail. Please provide the tracking number and a copy of the certified mail receipt. The law requires that this disclosure must had been mailed at least 21 days prior to the due date to justify marking this account as late. I expect prompt compliance, and failure to provide this evidence will be taken as an admission of non-compliance with the FCRA. \n\nTo date, I have not received the required notice by Mail, which violates the FCRA. The law states Physical MAIL must be sent to my address not an E-MAIL. I demand that you provide a certified copy of the mailed disclosure sent 21 days prior to furnishing this debt, as mandated by law. Failure to produce this documentation requires you to update the late payments to paid as agreed in accordance with the FCRA. \nFurthermore, the notice must have included a clear and conspicuous disclosure of the consumers rights such as the periodic statement including the information required by section 1637 ( b ) .Without this disclosure any furnishing of a late payment status invalid and INACCURATE by law. Any further furnishing of such information constitutes to be aggravated violation of the FCRA, and I will be entitled to statutory and negligent damages BY WAY OF ARBITRATION OR LITIGATION. You have 15 days from receipt of this request to provide the required documentation, if failing to so then you must delete the late payments from this account. \n\nTHE FCRA CLEARLY STATES : 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \n\nYou have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX XXXX Account number : XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked and will be valid for remedy in court I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of \" paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. \n\nAs per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. \n\nI have attached supporting documentation that evidences the illegal furnishing of transactional history, which may be utilized as evidence in any future legal proceedings. A thorough review of the report reveals ( 10 ) instances of Late status, which I contest. If this dispute is not resolved and the report is verified without proper investigation and consideration of the provided documentation, it will constitute an additional violation of the FCRA. Pursuant to 15 U.S.C. 1681s-2, all parties involved in furnishing this account information will be held liable for any resulting damages. I urge you to comply with the FCRA and respect my rights, thereby avoiding any further escalation and ensuring a resolution to this matter.\n\nFinally, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a detailed description of the investigation procedure utilized by your company to verify the accuracy of the disputed information. Specifically, I require a comprehensive outline of the steps taken to investigate the disputed accuracy, including : A clear explanation of the investigation process The specific documents and records reviewed The identity of the personnel involved in the investigation The criteria used to determine the accuracy of the information Any supporting evidence or documentation relied upon to verify the accuracy of the information This request is made in accordance with the FCRA 's requirement that furnishers of information provide a clear and transparent explanation of their investigation procedures in cases of disputed accuracy, ensuring that I am afforded a full understanding of the measures taken to verify the accuracy of my personal information. \n\nYOU ARE IN VIOLATION OF 15 USC 1681a AND 15 USC 1666b. After updating my Consumer Report please provide me with an updated report reflecting the changes to paid as agreed. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice you have 15 DAYS TO PROVIDE PROPER EVIDENCE OR YOU MUST REMOVE ALL LATE PAYMENTS ON THIS ACCOUNT. \n\nThank you for your time,","date_sent_to_company":"2024-07-06T23:02:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23435","tags":null,"has_narrative":true,"complaint_id":"9445601","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-06T23:02:26.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["NOTICE TO PRINCIPAL IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO PRINCIPAL To Whom It May Concern : I am contacting you because I have recently obtained a copy of my consumer 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