{"took":211,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":8002,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7563173","_score":18.383654,"_source":{"product":"Debt collection","complaint_what_happened":"The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient.","date_sent_to_company":"2023-09-17T16:59:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"30344","tags":null,"has_narrative":true,"complaint_id":"7563173","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lewis, McDonnell & Associates","date_received":"2023-09-17T16:45:14.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["You must <em>provide</em> proof of <em>compliance</em> with reporting standards and <em>applicable</em> <em>consumer</em> <em>laws</em>. The information above is insufficient."]},"sort":[18.383654,"7563173"]},{"_index":"complaint-public-v1","_id":"10031272","_score":18.330688,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm disappointed they have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters","date_sent_to_company":"2024-09-05T17:46:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17701","tags":null,"has_narrative":true,"complaint_id":"10031272","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-05T17:45:57.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I'm disappointed they have not been able to <em>provide</em> me with any documented proof of <em>compliance</em> reporting standards and <em>applicable</em> <em>consumer</em> <em>laws</em>. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in <em>law</em> with regards to these matters"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[18.330688,"10031272"]},{"_index":"complaint-public-v1","_id":"10027320","_score":18.330688,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm disappointed they have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters","date_sent_to_company":"2024-09-05T17:45:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17701","tags":null,"has_narrative":true,"complaint_id":"10027320","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-05T17:34:21.000Z","state":"PA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I'm disappointed they have not been able to <em>provide</em> me with any documented proof of <em>compliance</em> reporting standards and <em>applicable</em> <em>consumer</em> <em>laws</em>. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in <em>law</em> with regards to these matters"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[18.330688,"10027320"]},{"_index":"complaint-public-v1","_id":"10031274","_score":18.324406,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm disappointed they have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters","date_sent_to_company":"2024-09-05T17:46:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17701","tags":null,"has_narrative":true,"complaint_id":"10031274","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-05T17:45:57.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I'm disappointed they have not been able to <em>provide</em> me with any documented proof of <em>compliance</em> reporting standards and <em>applicable</em> <em>consumer</em> <em>laws</em>. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in <em>law</em> with regards to these matters"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[18.324406,"10031274"]},{"_index":"complaint-public-v1","_id":"8430564","_score":18.31158,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately.","date_sent_to_company":"2024-02-27T20:59:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75212","tags":null,"has_narrative":true,"complaint_id":"8430564","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-27T20:59:20.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["You must <em>provide</em> documented proof of <em>compliance</em> reporting standards and <em>applicable</em> <em>consumer</em> <em>laws</em>. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[18.31158,"8430564"]},{"_index":"complaint-public-v1","_id":"8430346","_score":18.31158,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately.","date_sent_to_company":"2024-02-27T20:59:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75212","tags":null,"has_narrative":true,"complaint_id":"8430346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-27T20:26:35.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["You must <em>provide</em> documented proof of <em>compliance</em> reporting standards and <em>applicable</em> <em>consumer</em> <em>laws</em>. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[18.31158,"8430346"]},{"_index":"complaint-public-v1","_id":"7157458","_score":17.805075,"_source":{"product":"Debt collection","complaint_what_happened":"The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately!","date_sent_to_company":"2023-06-24T01:31:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"30344","tags":null,"has_narrative":true,"complaint_id":"7157458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-24T01:28:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You must <em>provide</em> proof of <em>compliance</em> with reporting standards and <em>applicable</em> <em>consumer</em> <em>laws</em>. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately!"]},"sort":[17.805075,"7157458"]},{"_index":"complaint-public-v1","_id":"7157241","_score":17.805075,"_source":{"product":"Debt collection","complaint_what_happened":"The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately!","date_sent_to_company":"2023-06-24T01:34:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"30344","tags":null,"has_narrative":true,"complaint_id":"7157241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-24T01:32:05.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["You must <em>provide</em> proof of <em>compliance</em> with reporting standards and <em>applicable</em> <em>consumer</em> <em>laws</em>. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately!"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.805075,"7157241"]},{"_index":"complaint-public-v1","_id":"21183377","_score":17.45019,"_source":{"product":"Debt collection","complaint_what_happened":"Contract Callers , Inc. ( CCI ) has reviewed the consumers complaint regarding the above-referenced account. XXXX previously provided validation of the account to the consumer in XXXX  2025. Following a subsequent dispute received through the credit reporting agencies, CCI requested verification from the original creditor and re-sent validation to the consumer in XXXX  2026. The documentation provided to the consumer includes information obtained from the original creditor, XXXX XXXX XXXX, confirming the account balance and obligation. This information constitutes validation of the debt in accordance with applicable law. Upon receipt of the consumers dispute, XXXX reported the account as disputed to the credit reporting agencies and conducted an investigation consistent with the Fair Credit Reporting Act ( FCRA ). CCI respectfully disagrees with the consumers assertion that it failed to provide proper validation or engaged in unlawful collection activity. XXXX is not required to provide the specific documentation requested by the consumer, including a signed contract, in order to validate a debt under the Fair Debt Collection Practices Act ( FDCPA ). CCI has complied with all applicable requirements under the FDCPA and FCRA and will continue to review any additional information the consumer may provide. Proposed Resolution CCI has provided validation of the account to the consumer. If, upon review, the consumer continues to dispute the account or has additional relevant information, CCI will review any documentation provided and respond accordingly. CCI remains committed to resolving this matter promptly and in compliance with all applicable laws and regulations.","date_sent_to_company":"2026-04-13T12:28:17.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"21183377","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CONTRACT CALLERS INC","date_received":"2026-04-13T12:21:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Proposed Resolution CCI has provided validation of the account to the <em>consumer</em>. If, upon review, the <em>consumer</em> continues to dispute the account or has additional relevant information, CCI will review any documentation provided and respond accordingly. CCI remains committed to resolving this matter promptly and in <em>compliance</em> with all <em>applicable</em> <em>laws</em> and regulations."]},"sort":[17.45019,"21183377"]},{"_index":"complaint-public-v1","_id":"9999686","_score":17.16974,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to express my profound disappointment with your agency 's handling of my recent dispute regarding the accuracy of several items on my credit report. By 15 U.S.C. 1681i ( 7 ), I demand a detailed account of the steps your agency followed to verify the accuracy of the disputed items. You are required by law to provide me with this information, including the business name, address, and telephone number of any information provider contacted, within 15 days of this request. Furthermore, I regret to inform you that I have been a victim of identity theft and a data breach incident. I previously notified your organization of this matter and have also filed a report with the Federal Trade Commission, which is enclosed for your reference. Under 15 U.S.C. 1681c-2 ( a ), your agency must block and remove any alleged fraudulent items within 4 business days of receiving my complaint, including the documentation enclosed below. The following accounts are fraudulent and must be deleted from my credit report immediately : XXXX - XXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\n\nXXXX  - XXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX  - XXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXXXXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX  - XXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX  - XXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXXXXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXXXXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXXXXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX  - XXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nI did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). \n\nXXXX  - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX  - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX  - XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX  - XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX  - XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE!","date_sent_to_company":"2024-09-03T17:25:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85021","tags":null,"has_narrative":true,"complaint_id":"9999686","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T17:25:45.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Provide</em> proof of your adherence to <em>applicable</em> <em>compliance</em> standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nI did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my <em>consumer</em> report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 )."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.16974,"9999686"]},{"_index":"complaint-public-v1","_id":"10003171","_score":17.16112,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to express my profound disappointment with your agency 's handling of my recent dispute regarding the accuracy of several items on my credit report. By XXXX XXXX. XXXX ( XXXX ), I demand a detailed account of the steps your agency followed to verify the accuracy of the disputed items. You are required by law to provide me with this information, including the business name, address, and telephone number of any information provider contacted, within XXXX  days of this request. Furthermore, I regret to inform you that I have been a victim of identity theft and a data breach incident. I previously notified your organization of this matter and have also filed a report with the Federal Trade Commission, which is enclosed for your reference. Under XXXX XXXX. XXXX ( a ), your agency must block and remove any alleged fraudulent items within XXXX business days of receiving my complaint, including the documentation enclosed below. The following accounts are fraudulent and must be deleted from my credit report immediately : XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\n\nXXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the XXXX data XXXX, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX  - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nI did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under XXXX XXXX Code XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). \n\nXXXX - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX - XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX - XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX  - XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE!","date_sent_to_company":"2024-09-03T17:25:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85021","tags":null,"has_narrative":true,"complaint_id":"10003171","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-03T17:25:45.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Provide</em> proof of your adherence to <em>applicable</em> <em>compliance</em> standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nI did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my <em>consumer</em> report under XXXX XXXX Code XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.16112,"10003171"]},{"_index":"complaint-public-v1","_id":"10004118","_score":17.149258,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to express my profound disappointment with your agency 's handling of my recent dispute regarding the accuracy of several items on my credit report. By 15 U.S.C. 1681i ( 7 ), I demand a detailed account of the steps your agency followed to verify the accuracy of the disputed items. You are required by law to provide me with this information, including the business name, address, and telephone number of any information provider contacted, within 15 days of this request. Furthermore, I regret to inform you that I have been a victim of identity theft and a data breach incident. I previously notified your organization of this matter and have also filed a report with the Federal Trade Commission, which is enclosed for your reference. Under 15 U.S.C. 1681c-2 ( a ), your agency must block and remove any alleged fraudulent items within 4 business days of receiving my complaint, including the documentation enclosed below. The following accounts are fraudulent and must be deleted from my credit report immediately : XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\n\nXXXX  - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX  - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXXXXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX  - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX  - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXXXXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXXXXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXXXXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX  - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nI did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). \n\nXXXX  - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX  - XX/XX/XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX  - XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX  - XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! \n\nXXXX  - XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE!","date_sent_to_company":"2024-09-03T17:25:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85021","tags":null,"has_narrative":true,"complaint_id":"10004118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-03T17:20:22.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Provide</em> proof of your adherence to <em>applicable</em> <em>compliance</em> standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nI did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my <em>consumer</em> report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.149258,"10004118"]},{"_index":"complaint-public-v1","_id":"23456371","_score":17.080553,"_source":{"product":"Debt collection","complaint_what_happened":"I.C. SYSTEM, INC # XXXX I am unaware of this alleged debt and was not provided an opportunity to dispute it. If you believe proper notice was given, please provide a copy of the certified letter along with proof of delivery, including a receipt bearing my name and signature.\n\nIf you are unable to provide this documentation, I request that this account be removed from my credit report immediately.\n\nAdditionally, I reserve the right to file a complaint regarding any non-compliance with applicable consumer protection and credit reporting laws","date_sent_to_company":"2026-06-22T20:56:53.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"30342","tags":"Servicemember","has_narrative":true,"complaint_id":"23456371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2026-06-22T20:49:03.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["If you believe proper notice was given, please <em>provide</em> a copy of the certified letter along with proof of delivery, including a receipt bearing my name and signature.\n\nIf you are unable to <em>provide</em> this documentation, I request that this account be removed from my credit report immediately.\n\nAdditionally, I reserve the right to file a complaint regarding any non-<em>compliance</em> with <em>applicable</em> <em>consumer</em> protection and credit reporting <em>laws</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.080553,"23456371"]},{"_index":"complaint-public-v1","_id":"11521924","_score":17.072105,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In agreement with my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without : Physically verified proof of fullness of truth, Completeness of accuracy, Timeliness of validity, and Certifiable compliant reporting, including but not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws. \n\nThis includes adherence to the documented perfect and full Metro 2 Format compliance of reporting.\n\nYour current reporting is significantly questionable and unproven to be : Credibly unfeigned, Correct, Complete, Timely, Validated, or Elsewise certified compliant as required by the mandates and standards of lawful reporting.\n\nThis includes compliance with the applicable aspects of the FCRA and FDCPA, as well as the mandatorily perfect and replete certified Metro 2 Format reporting.\n\nYou are reporting inaccurate and incomplete information regarding the following medical account ( s ). I demand that you : Contact the medical facility, as I have already done, and demand a validation of the debt. \nNote that they can not provide the statement at this time, nor can they provide an itemized statement for the services. \n\nSince they can not or will not provide the required documentation, they are clearly in violation of the FCRA and FDCPA. \n\nPlease entire your investigation of this medical collection and remove it because the provider can not validate the details you are reporting on my credit report.","date_sent_to_company":"2025-01-14T19:03:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76705","tags":null,"has_narrative":true,"complaint_id":"11521924","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-14T18:55:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In agreement with my state 's reporting regulations and the <em>applicable</em> federal guidelines for lawful and compliant reporting of <em>consumer</em> credit, it is unlawful to assume report-ability of any claim without : Physically verified proof of fullness of truth, Completeness of accuracy, Timeliness of validity, and Certifiable compliant reporting, including but not limited to the standards and mandates described or hinted at via the <em>applicable</em> FCRA and FDCPA <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.072105,"11521924"]},{"_index":"complaint-public-v1","_id":"8191774","_score":16.87728,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding a recent issue related to the handling of my account by Receivable Management. As a valued customer, I expect that Receivable Management would adhere to the highest standards of professionalism, integrity, and compliance with applicable consumer protection laws and regulations. \n\nThe crux of my complaint lies in the unauthorized sale of my debt to a XXXX creditor, which has resulted in an unjustified collection account being reported on my credit report. This action not only violates my rights as a consumer but also has a XXXX  negative impact on my financial well-being and creditworthiness. \n\nI kindly request that you provide me with the purchase agreement, which evidences the lawful transfer of my debt to the aforementioned creditor. It is imperative that you promptly furnish this document to me as part of your obligation to transparency and in compliance with the Fair Debt Collection Practices Act FDCPA 15 U.S.C. 1692 et seq. and other applicable consumer protection statutes.","date_sent_to_company":"2024-01-21T03:51:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07090","tags":null,"has_narrative":true,"complaint_id":"8191774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Receivable Management Services LLC","date_received":"2024-01-21T03:38:46.000Z","state":"NJ","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":["As a valued customer, I expect that Receivable Management would adhere to the highest standards of professionalism, integrity, and <em>compliance</em> with <em>applicable</em> <em>consumer</em> protection <em>laws</em> and regulations. \n\nThe crux of my complaint lies in the unauthorized sale of my debt to a XXXX creditor, which has resulted in an unjustified collection account being reported on my credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.87728,"8191774"]},{"_index":"complaint-public-v1","_id":"9885697","_score":16.638924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! That said, I deny your allegations and challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.\n\nFurnish information about accounts or other relationships with an accurate consumer.\n\nC - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.\n\nAlso as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and affect the accuracy of federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX - XXXX - My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX  XXXX - XXXX - My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXXXXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXX XXXXXXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once!","date_sent_to_company":"2024-08-22T12:34:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75224","tags":null,"has_narrative":true,"complaint_id":"9885697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-22T12:24:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Provide</em> proof of your adherence to <em>applicable</em> <em>compliance</em> standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once!"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.638924,"9885697"]},{"_index":"complaint-public-v1","_id":"9885696","_score":16.634058,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! That said, I deny your allegations and challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. \nFurnish information about accounts or other relationships with an accurate consumer. \nXXXX - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.\n\nAlso as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and affect the accuracy of federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX  XXXX - XXXX - My personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXXXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXX XXXXXXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXXXXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the XXXX XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX - XXXX personal information was impacted by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once!","date_sent_to_company":"2024-08-22T12:34:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75224","tags":null,"has_narrative":true,"complaint_id":"9885696","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-22T12:34:33.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Provide</em> proof of your adherence to <em>applicable</em> <em>compliance</em> standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once!"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.634058,"9885696"]},{"_index":"complaint-public-v1","_id":"18978114","_score":16.586044,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding improper and unjust collection activity initiated by a financial agency. I dispute the validity of the alleged debt and have not been provided with adequate verification to support their claim. Despite this, the agency has attempted to send the account to collections. \n\nI have either never entered into an agreement for this debt, the debt is inaccurate, or the account was previously resolved. The agency has failed to provide clear documentation, itemized statements, or lawful proof that I owe the amount they claim. Their actions have caused unnecessary stress and raise concerns about compliance with fair debt collection and consumer protection laws. \n\nI am requesting that all collection activity cease immediately until proper verification is provided, and that this matter be investigated for accuracy and legality. I also request written confirmation of the account status and correction of any inaccurate reporting to credit bureaus, if applicable. \n\nI am asserting my rights as a consumer and expect this issue to be resolved promptly and in accordance with applicable laws.","date_sent_to_company":"2026-01-24T08:35:48.000Z","issue":"Communication tactics","sub_product":"Telecommunications debt","zip_code":"42303","tags":null,"has_narrative":true,"complaint_id":"18978114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Fresh Holdings Inc","date_received":"2026-01-24T08:31:14.000Z","state":"KY","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["I also request written confirmation of the account status and correction of any inaccurate reporting to credit bureaus, if <em>applicable</em>. \n\nI am asserting my rights as a <em>consumer</em> and expect this issue to be resolved promptly and in accordance with <em>applicable</em> <em>laws</em>."]},"sort":[16.586044,"18978114"]},{"_index":"complaint-public-v1","_id":"8976594","_score":16.523735,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Improper Account Reporting by Bridgecrest Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper reporting of an account by Bridgecrest on my credit report. I seek your assistance in resolving this matter in accordance with applicable U.S. laws and regulations. The timeline of events and actions taken by XXXX XXXX on my behalf are as follows : XXXX. XX/XX/XXXX I first discovered the inaccurate account reported by Bridgecrest on my credit report and immediately contacted XXXX XXXX for assistance. \n\nXXXX. XX/XX/XXXX XXXX XXXX sent multiple letters to Bridgecrest, requesting documentation to validate the ownership of the account and provide a detailed breakdown of the outstanding amount. \n\nXXXX. XX/XX/XXXX Following the lack of response from Bridgecrest, XXXX XXXX escalated the issue by contacting their customer support team and engaging in numerous discussions to seek clarification and resolution. Despite these efforts, Bridgecrest has failed to provide the necessary documentation to validate the legitimacy of the debt and confirm my ownership of the account. \n\nThis improper reporting has caused significant distress and financial harm, impacting my credit score and financial opportunities. I believe that Bridgecrest 's actions violate the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Specifically, Bridgecrest has failed to provide accurate and verifiable information, as required by law, leading to erroneous reporting on my credit profile. I respectfully request the following actions from the Consumer Financial Protection Bureau : 1. Conduct a thorough investigation into the improper reporting by Bridgecrest. \nXXXX. Enforce compliance with FCRA regulations and other applicable laws to ensure accurate and fair reporting of consumer information. \nXXXX. Facilitate the removal of the inaccurate account from my credit report. \nXXXX. Impose appropriate penalties or corrective measures on Bridgecrest for non-compliance with consumer protection laws. \n\nI appreciate your attention to this matter and look forward to a swift resolution. \n\nThank you for your dedication to protecting consumer rights. Sincerely, [ Your Name ]","date_sent_to_company":"2024-05-11T03:29:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"8976594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2024-05-11T02:52:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Specifically, Bridgecrest has failed to <em>provide</em> accurate and verifiable information, as required by <em>law</em>, leading to erroneous reporting on my credit profile. I respectfully request the following actions from the <em>Consumer</em> Financial Protection Bureau : 1. Conduct a thorough investigation into the improper reporting by Bridgecrest. \nXXXX. Enforce <em>compliance</em> with FCRA regulations and other <em>applicable</em> <em>laws</em> to ensure accurate and fair reporting of <em>consumer</em> information. \nXXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[16.523735,"8976594"]},{"_index":"complaint-public-v1","_id":"9891505","_score":16.507853,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! That said, I deny your allegations and challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.\n\nFurnish information about accounts or other relationships with an accurate consumer.\n\nC - Conduct reasonable investigations of consu\nmer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.\n\nAlso as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and affect the accuracy of federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - XXXX personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the Equifax XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX - XXXX personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the Equifax XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX  XXXX - XXXX - My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX - XXXX personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the Equifax XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the Equifax XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXXXXXX - XXXX - My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX - XXXX - XXXX personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXX XXXXXXXX - My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the Equifax XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX XXXXXXXX - My personal information was impacted by the Equifax XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX XXXX - XXXX - My personal information was impacted by the Equifax XXXX breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! \n\nXXXX XXXX - XXXX - XXXX personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once!","date_sent_to_company":"2024-08-22T12:34:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75224","tags":null,"has_narrative":true,"complaint_id":"9891505","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-22T12:34:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Provide</em> proof of your adherence to <em>applicable</em> <em>compliance</em> standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once!"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[16.507853,"9891505"]},{"_index":"complaint-public-v1","_id":"11657456","_score":16.443146,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute the account reported by Southwest Credit Systems on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I have the right to ensure that all information reported about me is accurate, complete, and verifiable. \n\nI believe this account is inaccurate and may not comply with federal or state consumer protection laws. I request that you investigate this matter and provide documentation to validate the account in compliance with 15 U.S.C. 1681s-2. If the account can not be fully validated as accurate and legally enforceable, I request its immediate removal from my credit report.","date_sent_to_company":"2025-01-17T22:00:23.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"33013","tags":null,"has_narrative":true,"complaint_id":"11657456","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2025-01-17T21:48:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ) and other <em>applicable</em> <em>consumer</em> protection <em>laws</em>, I have the right to ensure that all information reported about me is accurate, complete, and verifiable. \n\nI believe this account is inaccurate and may not comply with federal or state <em>consumer</em> protection <em>laws</em>. I request that you investigate this matter and <em>provide</em> documentation to validate the account in <em>compliance</em> with 15 U.S.C. 1681s-2."]},"sort":[16.443146,"11657456"]},{"_index":"complaint-public-v1","_id":"8726079","_score":16.44217,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately! \nAlso, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \n\nattach you will see documents","date_sent_to_company":"2024-04-08T18:06:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33178","tags":null,"has_narrative":true,"complaint_id":"8726079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2024-04-08T18:01:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["You must <em>provide</em> proof of <em>compliance</em> with reporting standards and <em>applicable</em> <em>consumer</em> <em>laws</em>. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately! \nAlso, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \n\nattach you will see documents"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.44217,"8726079"]},{"_index":"complaint-public-v1","_id":"7652534","_score":16.299318,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As of XX/XX/XXXX, I requested the following information from XXXX XXXX : 1. A True Bill for the alleged debt associated with XXXX XXXX  Account Number XXXX. \n2. Any necessary account level documentation that substantiates the validity of the charges and transactions on my account. \n3. What was the the reinvestigation process and who furnished this information? \n\nI clearly stated that, in the event XXXX XXXX failed to provide the requested information, I demanded that they take appropriate action to address my concerns and provide clarity regarding the charges on my account. \n\nIt has come to my attention that XXXX XXXX has not provided any of the requested information or taken the appropriate actions as demanded in my previous communication. This lack of response and cooperation is not only a violation of my rights as a consumer but also raises serious concerns about their compliance with applicable laws and regulations. \n\nFurthermore, I would like to emphasize the importance of XXXX XXXX adhering to federal laws and regulations governing credit card practices. Any claims or assertions made by the company regarding my account should be substantiated through proper legal channels and should not be used as a basis for non-compliance with federal laws. \n\nIn light of the above, I believe that XXXX XXXX  may be in violation of federal laws and regulations related to credit card practices, specifically in regard to XXXX XXXX Account Number XXXX with account balance of {$1100.00} I kindly request that the CFPB investigate these matters thoroughly and take appropriate action to ensure compliance with consumer protection laws.","date_sent_to_company":"2023-10-05T15:50:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11741","tags":null,"has_narrative":true,"complaint_id":"7652534","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-05T15:50:07.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["This lack of response and cooperation is not only a violation of my rights as a <em>consumer</em> but also raises serious concerns about their <em>compliance</em> with <em>applicable</em> <em>laws</em> and regulations. \n\nFurthermore, I would like to emphasize the importance of XXXX XXXX adhering to federal <em>laws</em> and regulations governing credit card practices."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.299318,"7652534"]},{"_index":"complaint-public-v1","_id":"7652535","_score":16.291147,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As of XX/XX/XXXX, I requested the following information from XXXX XXXX : 1. A True Bill for the alleged debt associated with XXXXXXXX XXXX  Account Number XXXX. \n2. Any necessary account level documentation that substantiates the validity of the charges and transactions on my account. \n3. What was the the reinvestigation process and who furnished this information? \n\nI clearly stated that, in the event XXXX XXXX failed to provide the requested information, I demanded that they take appropriate action to address my concerns and provide clarity regarding the charges on my account. \n\nIt has come to my attention that XXXX XXXX has not provided any of the requested information or taken the appropriate actions as demanded in my previous communication. This lack of response and cooperation is not only a violation of my rights as a consumer but also raises serious concerns about their compliance with applicable laws and regulations. \n\nFurthermore, I would like to emphasize the importance of XXXX XXXX adhering to federal laws and regulations governing credit card practices. Any claims or assertions made by the company regarding my account should be substantiated through proper legal channels and should not be used as a basis for non-compliance with federal laws. \n\nIn light of the above, I believe that XXXX XXXX  may be in violation of federal laws and regulations related to credit card practices, specifically in regard to XXXX XXXX  Account Number XXXX with account balance of {$1100.00} I kindly request that the CFPB investigate these matters thoroughly and take appropriate action to ensure compliance with consumer protection laws.","date_sent_to_company":"2023-10-05T15:50:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11741","tags":null,"has_narrative":true,"complaint_id":"7652535","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-05T15:50:07.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["This lack of response and cooperation is not only a violation of my rights as a <em>consumer</em> but also raises serious concerns about their <em>compliance</em> with <em>applicable</em> <em>laws</em> and regulations. \n\nFurthermore, I would like to emphasize the importance of XXXX XXXX adhering to federal <em>laws</em> and regulations governing credit card practices."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.291147,"7652535"]},{"_index":"complaint-public-v1","_id":"7652638","_score":16.285109,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As of XX/XX/XXXX, I requested the following information from Discover Card : 1. A True Bill for the alleged debt associated with Discover Card Account Number XXXX. \n2. Any necessary account level documentation that substantiates the validity of the charges and transactions on my account. \n3. What was the the reinvestigation process and who furnished this information?\n\nI clearly stated that, in the event Discover Card failed to provide the requested information, I demanded that they take appropriate action to address my concerns and provide clarity regarding the charges on my account.\n\nIt has come to my attention that Discover Card has not provided any of the requested information or taken the appropriate actions as demanded in my previous communication. This lack of response and cooperation is not only a violation of my rights as a consumer but also raises serious concerns about their compliance with applicable laws and regulations.\n\nFurthermore, I would like to emphasize the importance of Discover Card adhering to federal laws and regulations governing credit card practices. Any claims or assertions made by the company regarding my account should be substantiated through proper legal channels and should not be used as a basis for non-compliance with federal laws.\n\nIn light of the above, I believe that Discover Card may be in violation of federal laws and regulations related to credit card practices, specifically in regard to Discover Card Account Number XXXX with account balance of {$1100.00} XXXX kindly request that the CFPB investigate these matters thoroughly and take appropriate action to ensure compliance with consumer protection laws.","date_sent_to_company":"2023-10-05T15:50:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11741","tags":null,"has_narrative":true,"complaint_id":"7652638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER 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