{"took":237,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1502,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7298842","_score":17.129616,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ), 15 U.S.C. 6801 Request for Removal Dear Sir/Madam, I am writing to dispute the unauthorized inclusion of certain items on my credit report, which I believe infringes upon my rights as outlined under the United States Code , specifically 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ). I kindly request that you conduct an immediate investigation into these matters and take the necessary actions to rectify them.\n\nFirstly, according to 15 U.S.C. 1681 ( b ), credit reporting agencies are not permitted to include any information on an individual 's credit report without obtaining their written consent. To the best of my knowledge, I have not provided written consent for the items in question to be included on my credit report. Hence, their inclusion violates this provision.\n\nFurthermore, 15 U.S.C. 1681 ( c ) ( 1 ) states that the unauthorized placement of items on a credit report without written consent constitutes identity theft. I assert that these unauthorized entries are a result of identity theft since I have not granted permission for their inclusion on my credit report.\n\nAdditionally, in accordance with 15 U.S.C. 1681 ( c ) ( 2 ), if a consumer notifies a credit reporting agency of inaccurate or incomplete information, the agency must promptly investigate and remove the information as necessary. Therefore, I request that you conduct an immediate investigation into the unauthorized items on my credit report and take prompt action to remove them, as they lack my written consent and inaccurately reflect my credit history.\n\nFurthermore, it is worth noting that under the provisions of 15 U.S.C. 6801, credit reporting agencies are required to safeguard consumer information to prevent unauthorized access and use. Failure to meet these safeguards may result in violations of consumer privacy and security rights. I expect you to adhere to these safeguarding requirements and ensure the removal of the unauthorized items from my credit report.\n\nAccording to the provisions outlined in the USC code, specifically Under 15 U.S. Code 1681 The definition of \" INVESTIGATE '' : ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have the right to dispute inaccurate information on my credit report. I exercised this right and submitted a formal dispute to the Bureau 's on XX/XX/XXXX. The inaccuracies pertain to Collection entry on my credit report that I have never authorized or entered into any contractual agreement with. Cease all collection activities until investigation completion. 15 U.S. Code 1681s 2, 1681a ( 3 ). \n. \n\nDespite providing all necessary documentation and evidence to support my dispute, the Bureau has failed to initiate a thorough investigation into the matter. As per the U.S.C. code definition, it is the responsibility of the credit bureau to conduct a reasonable investigation upon receiving notice of a dispute.\n\nI am deeply concerned about this violation of the law and the potential negative impact on my creditworthiness. The failure to investigate my dispute not only undermines my rights as a consumer but also compromises the accuracy and integrity of the credit reporting system as a whole.\n\nI kindly request your intervention and assistance in addressing this matter. I believe it is imperative for the Bureau 's to adhere to the regulations set forth in the U.S.C. code and fulfill its obligation to investigate and correct inaccuracies on my credit report.\n\nI respectfully ask that you investigate this matter further, ensure compliance with the applicable U.S.C. code, and take appropriate actions against the Bureau 's for their non-compliance. Additionally, I kindly request that you keep me informed of any progress or developments regarding my complaint.\n\nI kindly request that you provide written documentation of the investigation results, as well as the removal or modification of the unauthorized items, within 14 business days.\n\nPlease consider this letter as my formal request for an investigation and resolution of the unauthorized credit reporting entries on my credit report. I trust that you will fulfill your obligations under the law and promptly address this matter.\n\nLastly, I kindly request that you initiate a comprehensive investigation into these disputed items as outlined in my dispute. Please ensure that the investigation is conducted in accordance with the relevant sections of the FCRA, including but not limited to : 15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate/Invalidated Credit Information 15 U.S. Code 1681e ( b ) - Compliance Procedures for Maximum Possible Accuracy 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies under FCRA 15 U.S. Code 1692e - False or Misleading Representations under FDCPA 15 U.S. Code 1681a ( 3 ) - Restriction on Sharing of Medical Information 15 US Code 1681b ( 4 ) - Limitation on Redisclosure of Medical Information 15 U.S. Code 1681a ( 2 ) ( B ) - Exclusions from a Consumer Report 15 U.S. Code 1666 ( b ) - Billing Error under TILA 15 U.S. Code 1605 - Determination of Finance Charge During the investigation period, I kindly ask that you place these disputed items in dispute and refrain from reporting them to any third parties. I also request that you contact the relevant data furnishers and inform them of these disputes, instructing them to cease reporting the disputed items until the completion of your investigation and the resolution of these matters.\n\nBelow you will find all the items that are inaccurate : 1. The following personal information is incorrect. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nPrevious Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX Please investigate and remove it from my credit report. \n\n2. The following personal information is incorrect. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nPrevious Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and remove it from my credit report. \n\n\n3. The inquiry was not authorized. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and remove it from my credit report. \n\n\n4. The inquiry was not authorized. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and remove it from my credit report. \n\n\n5. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n6. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n7. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n8. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX XXXX  Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n9. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n10. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n11. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n12. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n13. The following personal information is incorrect. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nPrevious Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please investigate and remove it from my credit report. \n\n14. The following personal information is incorrect. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nPrevious Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove it from my credit report. \n\n15. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX  Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n16. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\n\n17. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. Account involved in litigation. \nXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and remove it from my credit report. \n\nThank you for your immediate attention to this dispute.","date_sent_to_company":"2023-07-24T16:14:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30096","tags":null,"has_narrative":true,"complaint_id":"7298842","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-24T15:45:31.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Disputes</em> <em>Account</em> Type or Term Duration/Terms Frequency or Portfolio Type <em>disputed</em>. <em>Dispute</em> Special Comment/<em>Compliance</em> <em>Condition</em> Code/narrative remarks. <em>Dispute</em> current balance. <em>Disputes</em> present/previous <em>Account</em> Status/Payment History Profile/Payment Rating. Not aware of collection. Not his/hers. <em>Account</em> involved in litigation. \nXXXX <em>Account</em> Number : XXXX Please investigate and remove it from my credit report. \n\n\n11."],"product":["Credit reporting, credit repair services, 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 provide a public response"]},"sort":[17.129616,"7298842"]},{"_index":"complaint-public-v1","_id":"12516907","_score":16.77998,"_source":{"product":"Debt collection","complaint_what_happened":"I am formally disputing a closed Account with XXXX XXXX XXXX XXXX ) that has been verified on my credit report. Under the Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ), all data furnishers must ensure complete and accurate reporting. Upon reviewing the information provided, I have identified potential violations of Metro 2 standards and demand an immediate reinvestigation. Per the Consumer Data Industry Association ( CDIA ) guidelines, all reported information must be in compliance with the Metro 2 format, including the correct fields for account classification, payment history, and compliance condition codes. I request verification that the furnisher has adhered to these reporting requirements, including : A complete and accurate E-OSCAR AUDIT TRAIL showing the furnishers verification process. The signed contract or original agreement proving I authorized this debt. Compliance with Field 17A ( Compliance Condition Code ) and accurate reporting of the accounts status. If Experian, XXXX or XXXX or the data furnisher can not validate this account per Metro 2 standards, it must be immediately deleted from my credit report under FCRA 1681i.","date_sent_to_company":"2025-03-17T15:12:43.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"12516907","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-17T15:00:39.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Compliance</em> with Field 17A ( <em>Compliance</em> <em>Condition</em> Code ) and accurate reporting of the <em>accounts</em> status. If Experian, XXXX or XXXX or the data furnisher can not validate this <em>account</em> per Metro 2 standards, it must be immediately deleted from my credit report under FCRA 1681i."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.77998,"12516907"]},{"_index":"complaint-public-v1","_id":"10296680","_score":16.268665,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account # XXXX XXXX XXXX XXXX ( XXXX XXXX Format Dispute ) Complaint Reference : # XXXX Dear Experian, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) using the XXXX XXXX format for the account listed below, which contains inaccurate information. I request immediate investigation and correction of the following reported data regarding my XXXX XXXX XXXX account : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Card ( Compliance Condition Code 02 Charge-off ) Open Date : XX/XX/XXXX Current Balance : {$320.00} Credit Limit XXXX {$2500.00} Date of First Delinquency : XX/XX/XXXX Date of Charge-off : XX/XX/XXXX Current Status : Charge-off with {$120.00} past due Compliance Condition Codes for Dispute ( XXXX XXXX XXXX XXXX XXXX XXXX Compliance Condition Code 88 ( Account Disputed by Consumer ) : This account contains incorrect balance and payment history information. The reported charge-off status and past due amount of {$120.00} are inaccurate. I request an immediate investigation of these discrepancies. \nXXXX. Compliance Condition Code 24 ( Account Paid in XXXX a Charge-off ) : The reported balance and charge-off status do not accurately reflect payments or settlement. I request verification of the complete payment history and balance recalculations to ensure accuracy. \nXXXX. Compliance Condition Code 19 ( Verify All Account Details ) : I request validation of all account details, including the signed contract, original account agreement, and payment history documentation to ensure the accuracy of the balance and past due amounts. \nXXXX. Compliance Condition Code AW ( Dispute Investigation Information ) : The previous investigation completed in XX/XX/XXXX resulted in no changes to the account. I request a reinvestigation as the initial findings were incomplete. This account continues to show errors in its status, balance, and associated dates of delinquency. \n\nData Furnisher Responsibility ( FCRA Section 623 ) : Under FCRA Section 623, XXXX XXXX XXXX, as the data furnisher, must report accurate information. They have reported the following errors : Balance : The reported balance of {$320.00} and past due amount of {$120.00} are inaccurate. I request an update or deletion of these amounts if they can not be validated. \nStatus : The charge-off status is incorrectly reported, and the dates of delinquency do not match my records. Proper validation is necessary. \nPayment History : The payment history leading up to the charge-off is incomplete, and there are no details regarding how the balance accrued to {$320.00}. \n\nRequest for Validation and Documentation Under FCRA Section 609 : Additionally, under FCRA Section 609, I request that you provide the following documentation to validate the legitimacy of this debt : XXXX. Original Signed Contract or Agreement : Please provide the original signed contract or agreement associated with this account. \nXXXX. Payment History : A complete payment history for this account, detailing all charges, payments, fees, and interest applied. \nXXXX. Adjustments Documentation : Any evidence of adjustments made to the account balance, including fees, interest rates, or penalties. \nXXXX. Proof of Address Accuracy : Documentation verifying that the address associated with this account is correct and legitimately linked to me. \n\nLegal Arguments Supporting My Dispute : XXXX. Lack of Proper Documentation : Without the requested documentation, the validity of this debt remains unsubstantiated, violating my rights under the FCRA. \nXXXX. Inaccuracy of Reporting : The incorrect address and conflicting balance reports suggest potential inaccuracies in reporting, necessitating a thorough investigation. \nXXXX. Statute of Limitations : Given that the account was opened on XX/XX/XXXX, I request verification that all reporting complies with the applicable statute of limitations for debt collection in my state. Failure to do so may render the debt unenforceable and subject to removal from my credit report. \nXXXX. Negative Impact on Creditworthiness : The inaccurate reporting of this account as 120 days past due significantly harms my creditworthiness, potentially leading to higher interest rates, increased insurance premiums, and denial of credit applications. \n\nRequest for Immediate Action : In light of the above, I respectfully request that Experian : XXXX. Investigate : Conduct a thorough investigation into the accuracy of the reported information. \nXXXX. Provide Documentation : Supply the requested documentation to validate the legitimacy and accuracy of the debt. \nXXXX. Correct or Remove : If you are unable to verify the accuracy of the information within the legally mandated timeframe, I request that this account be corrected or removed from my credit report entirely. \n\nDispute Summary ( XXXX XXXX Fields ) : Compliance Condition Code : 88 ( Account in Dispute by Consumer ) XXXX XXXX : XXXX ( Individual Account Responsibility ) Consumer Information Indicator ( CII ) : XXXX ( Account disputed by consumer ) Special Comment : XXXX  ( Account information disputed by consumer ) Conclusion : Please complete your investigation and respond to me in writing with the results, including any documentation supporting your findings. If the information can not be verified as accurate, I demand that this account be removed from my credit report in accordance with the FCRA. \n\nThank you for your prompt attention to this matter. I look forward to a thorough investigation and appropriate corrective actions. \n\nSincerely, XXXX XXXX XXXX XXXX : Identity Theft Report Police Report Credit Report XXXX Notice to Furnishers of Information","date_sent_to_company":"2024-09-30T17:40:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93722","tags":null,"has_narrative":true,"complaint_id":"10296680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-30T17:39:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( XXXX XXXX XXXX XXXX XXXX XXXX <em>Compliance</em> <em>Condition</em> Code 88 ( <em>Account</em> <em>Disputed</em> by <em>Consumer</em> ) : This <em>account</em> contains incorrect balance and payment history information."],"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 provide a public response"]},"sort":[16.268665,"10296680"]},{"_index":"complaint-public-v1","_id":"10296678","_score":16.258146,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Format Dispute ) Complaint Reference : # XXXX Dear Experian, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) using the XXXX XXXX XXXX for the account listed below, which contains inaccurate information. I request immediate investigation and correction of the following reported data regarding my XXXX XXXX XXXX account : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Card ( Compliance Condition Code 02 Charge-off ) Open Date : XX/XX/XXXX Current Balance : {$320.00} Credit Limit XXXX {$2500.00} Date of First Delinquency : XX/XX/XXXX Date of Charge-off : XX/XX/XXXX Current Status : Charge-off with {$120.00} past due Compliance Condition Codes for Dispute ( XXXX XXXX XXXX XXXX XXXX XXXX Compliance Condition Code 88 ( Account Disputed by Consumer ) : This account contains incorrect balance and payment history information. The reported charge-off status and past due amount of {$120.00} are inaccurate. I request an immediate investigation of these discrepancies. \nXXXX. Compliance Condition Code 24 ( Account Paid in XXXX a Charge-off ) : The reported balance and charge-off status do not accurately reflect payments or settlement. I request verification of the complete payment history and balance recalculations to ensure accuracy. \nXXXX. Compliance Condition Code 19 ( Verify All Account Details ) : I request validation of all account details, including the signed contract, original account agreement, and payment history documentation to ensure the accuracy of the balance and past due amounts. \nXXXX. Compliance Condition Code AW ( Dispute Investigation Information ) : The previous investigation completed in XX/XX/XXXX resulted in no changes to the account. I request a reinvestigation as the initial findings were incomplete. This account continues to show errors in its status, balance, and associated dates of delinquency. \n\nData Furnisher Responsibility ( FCRA Section 623 ) : Under FCRA Section 623, XXXX XXXX XXXX, as the data furnisher, must report accurate information. They have reported the following errors : Balance : The reported balance of {$320.00} and past due amount of {$120.00} are inaccurate. I request an update or deletion of these amounts if they can not be validated. \nStatus : The charge-off status is incorrectly reported, and the dates of delinquency do not match my records. Proper validation is necessary. \nPayment History : The payment history leading up to the charge-off is incomplete, and there are no details regarding how the balance accrued to {$320.00}. \n\nRequest for Validation and Documentation Under FCRA Section 609 : Additionally, under FCRA Section 609, I request that you provide the following documentation to validate the legitimacy of this debt : XXXX. Original Signed Contract or Agreement : Please provide the original signed contract or agreement associated with this account. \nXXXX. Payment History : A complete payment history for this account, detailing all charges, payments, fees, and interest applied. \nXXXX. Adjustments Documentation : Any evidence of adjustments made to the account balance, including fees, interest rates, or penalties. \nXXXX. Proof of Address Accuracy : Documentation verifying that the address associated with this account is correct and legitimately linked to me. \n\nLegal Arguments Supporting My Dispute : XXXX. Lack of Proper Documentation : Without the requested documentation, the validity of this debt remains unsubstantiated, violating my rights under the FCRA. \nXXXX. Inaccuracy of Reporting : The incorrect address and conflicting balance reports suggest potential inaccuracies in reporting, necessitating a thorough investigation. \nXXXX. Statute of Limitations : Given that the account was opened on XX/XX/XXXX, I request verification that all reporting complies with the applicable statute of limitations for debt collection in my state. Failure to do so may render the debt unenforceable and subject to removal from my credit report. \nXXXX. Negative Impact on Creditworthiness : The inaccurate reporting of this account as 120 days past due significantly harms my creditworthiness, potentially leading to higher interest rates, increased insurance premiums, and denial of credit applications. \n\nRequest for Immediate Action : In light of the above, I respectfully request that Experian : XXXX. Investigate : Conduct a thorough investigation into the accuracy of the reported information. \nXXXX. Provide Documentation : Supply the requested documentation to validate the legitimacy and accuracy of the debt. \nXXXX. Correct or Remove : If you are unable to verify the accuracy of the information within the legally mandated timeframe, I request that this account be corrected or removed from my credit report entirely. \n\nDispute Summary ( XXXX XXXX Fields ) : Compliance Condition Code : 88 ( Account in Dispute by Consumer ) XXXX XXXX : XXXX ( Individual Account Responsibility ) Consumer Information Indicator ( CII ) : XXXX ( Account disputed by consumer ) Special Comment : XXXX  ( Account information disputed by consumer ) Conclusion : Please complete your investigation and respond to me in writing with the results, including any documentation supporting your findings. If the information can not be verified as accurate, I demand that this account be removed from my credit report in accordance with the FCRA. \n\nThank you for your prompt attention to this matter. I look forward to a thorough investigation and appropriate corrective actions. \n\nSincerely, XXXX XXXX XXXX XXXX : Identity Theft Report Police Report Credit Report XXXX Notice to Furnishers of Information","date_sent_to_company":"2024-09-30T17:40:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93722","tags":null,"has_narrative":true,"complaint_id":"10296678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-30T17:39:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( XXXX XXXX XXXX XXXX XXXX XXXX <em>Compliance</em> <em>Condition</em> Code 88 ( <em>Account</em> <em>Disputed</em> by <em>Consumer</em> ) : This <em>account</em> contains incorrect balance and payment history information."],"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 provide a public response"]},"sort":[16.258146,"10296678"]},{"_index":"complaint-public-v1","_id":"10298145","_score":16.228115,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account # XXXX XXXX XXXX XXXX  ( Metro 2 Format Dispute ) Complaint Reference : # XXXX Dear Experian, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) using the Metro 2 format for the account listed below, which contains inaccurate information. I request immediate investigation and correction of the following reported data regarding my XXXX XXXX XXXX account : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Card ( Compliance Condition Code XXXX  Charge-off ) Open Date : XX/XX/XXXX Current Balance : {$320.00} Credit Limit : {$2500.00} Date of First Delinquency : XX/XX/XXXX Date of Charge-off : XX/XX/XXXX Current Status : Charge-off with {$120.00} past due Compliance Condition Codes for Dispute ( Metro 2 ) : 1 . Compliance Condition Code 88 ( Account Disputed by Consumer ) : This account contains incorrect balance and payment history information. The reported charge-off status and past due amount of {$120.00} are inaccurate. I request an immediate investigation of these discrepancies. \n2. Compliance Condition Code 24 ( Account Paid in Full/Was a Charge-off ) : The reported balance and charge-off status do not accurately reflect payments or settlement. I request verification of the complete payment history and balance recalculations to ensure accuracy. \n3. Compliance Condition Code 19 ( Verify All Account Details ) : I request validation of all account details, including the signed contract, original account agreement, and payment history documentation to ensure the accuracy of the balance and past due amounts. \n4. Compliance Condition Code AW ( Dispute Investigation Information ) : The previous investigation completed in XX/XX/XXXX resulted in no changes to the account. I request a reinvestigation as the initial findings were incomplete. This account continues to show errors in its status, balance, and associated dates of delinquency. \n\nData Furnisher Responsibility ( FCRA Section 623 ) : Under FCRA Section 623, XXXX XXXX XXXX, as the data furnisher, must report accurate information. They have reported the following errors : Balance : The reported balance of {$320.00} and past due amount of {$120.00} are inaccurate. I request an update or deletion of these amounts if they can not be validated. \nStatus : The charge-off status is incorrectly reported, and the dates of delinquency do not match my records. Proper validation is necessary. \nPayment History : The payment history leading up to the charge-off is incomplete, and there are no details regarding how the balance accrued to {$320.00}. \n\nRequest for Validation and Documentation Under FCRA Section 609 : Additionally, under FCRA Section 609, I request that you provide the following documentation to validate the legitimacy of this debt : 1. Original Signed Contract or Agreement : Please provide the original signed contract or agreement associated with this account. \n2. Payment History : A complete payment history for this account, detailing all charges, payments, fees, and interest applied. \n3. Adjustments Documentation : Any evidence of adjustments made to the account balance, including fees, interest rates, or penalties. \n4. Proof of Address Accuracy : Documentation verifying that the address associated with this account is correct and legitimately linked to me. \n\nLegal Arguments Supporting My Dispute : 1. Lack of Proper Documentation : Without the requested documentation, the validity of this debt remains unsubstantiated, violating my rights under the FCRA. \n2. Inaccuracy of Reporting : The incorrect address and conflicting balance reports suggest potential inaccuracies in reporting, necessitating a thorough investigation. \n3. Statute of Limitations : Given that the account was opened on XX/XX/XXXX, I request verification that all reporting complies with the applicable statute of limitations for debt collection in my state. Failure to do so may render the debt unenforceable and subject to removal from my credit report. \n4. Negative Impact on Creditworthiness : The inaccurate reporting of this account as 120 days past due significantly harms my creditworthiness, potentially leading to higher interest rates, increased insurance premiums, and denial of credit applications. \n\nRequest for Immediate Action : In light of the above, I respectfully request that Experian : 1. Investigate : Conduct a thorough investigation into the accuracy of the reported information. \n2. Provide Documentation : Supply the requested documentation to validate the legitimacy and accuracy of the debt. \n3. Correct or Remove : If you are unable to verify the accuracy of the information within the legally mandated timeframe, I request that this account be corrected or removed from my credit report entirely. \n\nDispute Summary ( Metro 2 Fields ) : Compliance Condition Code : 88 ( Account in Dispute by Consumer ) ECOA Code : 1 ( Individual Account Responsibility ) Consumer Information Indicator ( CII ) : XH ( Account disputed by consumer ) Special Comment : XB ( Account information disputed by consumer ) Conclusion : Please complete your investigation and respond to me in writing with the results, including any documentation supporting your findings. If the information can not be verified as accurate, I demand that this account be removed from my credit report in accordance with the FCRA. \n\nThank you for your prompt attention to this matter. I look forward to a thorough investigation and appropriate corrective actions. \n\nSincerely, XXXX XXXX XXXX XXXX : Identity Theft Report Police Report Credit Report CFPBs Notice to Furnishers of Information","date_sent_to_company":"2024-09-30T17:39:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93722","tags":null,"has_narrative":true,"complaint_id":"10298145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-30T17:21:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dispute</em> Summary ( Metro 2 Fields ) : <em>Compliance</em> <em>Condition</em> Code : 88 ( <em>Account</em> in <em>Dispute</em> by <em>Consumer</em> ) ECOA Code : 1 ( Individual <em>Account</em> Responsibility ) <em>Consumer</em> Information Indicator ( CII ) : XH ( <em>Account</em> <em>disputed</em> by <em>consumer</em> ) Special Comment : XB ( <em>Account</em> information <em>disputed</em> by <em>consumer</em> ) Conclusion : Please complete your investigation and respond to me in writing with the results, including any documentation supporting your findings."],"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 provide a public response"]},"sort":[16.228115,"10298145"]},{"_index":"complaint-public-v1","_id":"12506393","_score":15.891857,"_source":{"product":"Student loan","complaint_what_happened":"I am disputing the inaccurate reporting of a student loan account under XXXX compliance requirements and the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers must ensure accurate reporting, and any unverifiable, outdated, or unauthorized information must be removed. \n\nBased on recent investigations, it has come to my attention that my student loan data may have been accessed and/or altered without my consent, violating XXXX Compliance Condition Code \" XXXX  '' ( Consumer Disputes Account Information ). If you can not provide a verifiable record proving the legitimacy of this reporting, this account must be deleted immediately per XXXX XXXX compliance guidelines.","date_sent_to_company":"2025-03-16T17:40:29.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"27127","tags":null,"has_narrative":true,"complaint_id":"12506393","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-03-16T17:32:46.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Based on recent investigations, it has come to my attention that my student loan data may have been accessed and/or altered without my consent, violating XXXX <em>Compliance</em> <em>Condition</em> Code \" XXXX  '' ( <em>Consumer</em> <em>Disputes</em> <em>Account</em> Information ). If you can not provide a verifiable record proving the legitimacy of this reporting, this <em>account</em> must be deleted immediately per XXXX XXXX <em>compliance</em> guidelines."]},"sort":[15.891857,"12506393"]},{"_index":"complaint-public-v1","_id":"11017838","_score":15.685737,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally to address the following account on credit report due to NON-COMPLIANCE with XXXX XXXX reporting standards Creditor : XXXX Account Number : XXXX Report Number : XXXX Date Opened : XX/XX/XXXX Status : Charged Off ( {$420.00} written off ) Balance : {$420.00} past due as of XX/XX/XXXX After a thorough review of my credit report, I have identified significant discrepancies and errors in the way this account is being reported. These discrepancies indicate that the data furnished by XXXX is not in compliance with the Credit Reporting Resource Guide ( CRRG and the XXXX XXXX XXXX set by the Consumer Data Industry Association ( CDIA ). According to the account data, this account is currently reported with an Account Status Code 27 ( Charged Off ) ; however, the reporting fails to accurately reflect the associated data fields and compliance condition codes as required by XXXX XXXX guidelines. Specifically : Inaccurate Reporting of Payment History and Status : The payment history indicates multiple charge-offs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which contradicts the proper reporting guidelines. The use of Account XXXX XXXX XXXX ( XXXX XXXX ) must align with a single, consistent status update, not multiple charge-offs over consecutive months. XXXX reporting does not follow XXXX  XXXX XXXX that require an accurate reporting of delinquency timelines. If an account is charged off, it should not continue to update as charged off for subsequent months without closing the account in the system. 2.Improper Use of Compliance Condition Codes : The current reporting lacks the appropriate Compliance Condition Code ( CCC ), which should be updated to reflect my dispute.Under XXXX XXXX XXXX, when an account is being disputed by the consumer, the account should be reported with the code XB ( Account Information Disputed by Consumer ). The absence of this compliance code indicates that SYNCB/PPC did not properly update the status of this account upon receiving notice of my dispute, which is a violation of FCRA guidelines. XXXX. Failure to Accurately Report Balance and Status Updates : The account shows inconsistent status updates with balances reported incorrectly, last updated as of XX/XX/XXXX, but without clear closure or correction of charge-off status from XX/XX/XXXX. The highest balance of {$420.00} on an account that originally had a credit limit of {$100.00} is questionable and does not align with typical reporting accuracy requirements. Request for Immediate Action In light of the above discrepancies and the failure to adhere to XXXX XXXX standards, I am formally requesting that XXXX : Remove the XXXX account XXXX Account # XXXX ) from my credit report due to inaccurate reporting, non-compliance with the XXXX 's XXXX XXXX XXXX, and violations of the Fair Credit Reporting Act ( FCRA ). 2.Provide documentation verifying the accuracy of the reported information or proof that it complies with the current CRRG guidelines. 3.Update my credit file to remove any negative impact caused by this inaccurate reporting. Failure to Address this Request If XXXX fails to take corrective action within the legally mandated XXXX period.","date_sent_to_company":"2024-12-04T02:49:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"11017838","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-04T02:43:16.000Z","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":["If an <em>account</em> is charged off, it should not continue to update as charged off for subsequent months without closing the <em>account</em> in the system. 2.Improper Use of <em>Compliance</em> <em>Condition</em> Codes : The current reporting lacks the appropriate <em>Compliance</em> <em>Condition</em> Code ( CCC ), which should be updated to reflect my <em>dispute</em>.Under XXXX XXXX XXXX, when an <em>account</em> is being <em>disputed</em> by the <em>consumer</em>, the <em>account</em> should be reported with the code XB ( <em>Account</em> Information <em>Disputed</em> by <em>Consumer</em> )."],"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 provide a public response"]},"sort":[15.685737,"11017838"]},{"_index":"complaint-public-v1","_id":"5242048","_score":15.6030655,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was \" in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. \n\nSince this has happened multiple times over the last year I want this account \" DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.","date_sent_to_company":"2022-02-20T18:21:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38016","tags":"Servicemember","has_narrative":true,"complaint_id":"5242048","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-20T18:21:51.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> XXXX, <em>Account</em> XXXX multiple times across all three Credit Bureau and they have failed to annotate my <em>account</em> was \" in <em>dispute</em>. '' Per Fair Credit Reporting Act ( FCRA ), when you file a <em>dispute</em> with the credit reporting agencies, they are required by the FCRA to show that the item is in <em>dispute</em>. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a <em>Compliance</em> <em>Condition</em> Code."],"product":["Credit reporting, credit repair services, 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 provide a public response"]},"sort":[15.6030655,"5242048"]},{"_index":"complaint-public-v1","_id":"5242047","_score":15.576759,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was \" in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. \n\nSince this has happened multiple times over the last year I want this account \" DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.","date_sent_to_company":"2022-02-20T18:21:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38016","tags":"Servicemember","has_narrative":true,"complaint_id":"5242047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-20T18:21:51.000Z","state":"TN","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> XXXX, <em>Account</em> XXXX multiple times across all three Credit Bureau and they have failed to annotate my <em>account</em> was \" in <em>dispute</em>. '' Per Fair Credit Reporting Act ( FCRA ), when you file a <em>dispute</em> with the credit reporting agencies, they are required by the FCRA to show that the item is in <em>dispute</em>. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a <em>Compliance</em> <em>Condition</em> Code."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[15.576759,"5242047"]},{"_index":"complaint-public-v1","_id":"5242058","_score":15.554262,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was \" in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. Since this has happened multiple times over the last year I want this account \" DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.","date_sent_to_company":"2022-02-20T18:28:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38016","tags":"Servicemember","has_narrative":true,"complaint_id":"5242058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-20T18:28:52.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> XXXX, <em>Account</em> XXXX multiple times across all three Credit Bureau and they have failed to annotate my <em>account</em> was \" in <em>dispute</em>. '' Per Fair Credit Reporting Act ( FCRA ), when you file a <em>dispute</em> with the credit reporting agencies, they are required by the FCRA to show that the item is in <em>dispute</em>. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a <em>Compliance</em> <em>Condition</em> Code."],"product":["Credit reporting, credit repair services, 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 provide a public response"]},"sort":[15.554262,"5242058"]},{"_index":"complaint-public-v1","_id":"5242046","_score":15.554262,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have disputed SYNCB/BP, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was \" in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. \n\nSince this has happened multiple times over the last year I want this account \" DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.","date_sent_to_company":"2022-02-20T18:21:44.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38016","tags":"Servicemember","has_narrative":true,"complaint_id":"5242046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-02-20T17:56:51.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> SYNCB/BP, <em>Account</em> XXXX multiple times across all three Credit Bureau and they have failed to annotate my <em>account</em> was \" in <em>dispute</em>. '' Per Fair Credit Reporting Act ( FCRA ), when you file a <em>dispute</em> with the credit reporting agencies, they are required by the FCRA to show that the item is in <em>dispute</em>. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a <em>Compliance</em> <em>Condition</em> Code."],"product":["Credit reporting, credit repair services, 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 provide a public response"]},"sort":[15.554262,"5242046"]},{"_index":"complaint-public-v1","_id":"10279983","_score":15.396309,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account # XXXX XXXX XXXX XXXX ( XXXX XXXX Format Dispute ) Complaint Reference : # XXXX Dear Experian, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and references complaint # XXXX. Using the Metro 2 format, I request an immediate investigation and correction of the following inaccurately reported information regarding my account : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Card ( Compliance Condition Code 02 Charge-off ) Open Date : XX/XX/XXXX Current Balance : {$320.00} Credit Limit XXXX {$2500.00} Date of First Delinquency : XX/XX/XXXX Date of Charge-off : XX/XX/XXXX Current Status : Charge-off with {$120.00} past due Compliance Condition Codes for Dispute ( Metro 2 ) 1 . Compliance Condition Code 88 ( Account Disputed by Consumer ) : This account contains inaccurate information regarding the charge-off status and the past due amount of {$120.00}. I request an immediate investigation into these discrepancies. \n2. Compliance Condition Code 24 ( Account Paid in Full/Was a Charge-off ) : The reported balance of {$320.00} and the charge-off status are inaccurate and do not reflect any settlements or payments. I request a verification and recalculation of the complete payment history and balance.\n\n3. Compliance Condition Code 19 ( Verify All Account Details ) : I request validation of all account details, including the signed contract, original account agreement, and payment history documentation to ensure accuracy in reporting.\n\n4. Compliance Condition Code AW ( Dispute Investigation Information ) : The investigation completed in XX/XX/XXXX did not correct the erroneous information. I request a reinvestigation as the prior investigation results are incomplete. The errors in status, balance, and delinquency dates persist. \n\nData Furnisher Responsibility ( FCRA Section 623 ) Under FCRA Section 623, XXXX XXXX XXXX is required to provide accurate information. The following inaccuracies have been reported : Balance : The reported balance of {$320.00} and the past due amount of {$120.00} are incorrect. I request an update or deletion of these figures if they can not be validated. \nStatus : The charge-off status is incorrectly reported, and the dates of delinquency do not match my records. Proper validation is necessary. \nPayment History : The payment history leading to the charge-off is incomplete, and there is no justification for how the balance accrued to {$320.00}. \n\nRequest for Immediate Action I request that the following actions be taken as part of your investigation : 1. Validate All Account Data : Please provide the original signed contract and full payment history for this account. If XXXX XXXX XXXX can not supply this information, the account should be deleted from my credit report. \n2. Correct or Delete Inaccurate Information : If any errors are found during the investigation, I request the immediate removal of the account or the correction of the balance, status, and payment history.\n\n3. Provide Results of Investigation : In compliance with FCRA regulations, I request a report of your investigation findings within the 30-day period stipulated by law. If XXXX XXXX XXXX can not verify the information, the account must be removed from my credit report. \n\nDispute Summary ( Metro 2 Fields ) Compliance Condition Code : 88 ( Account in Dispute by Consumer ) ECOA Code : 1 ( Individual Account Responsibility ) Consumer Information Indicator ( CII ) : XH ( Account disputed by consumer ) Special Comment : XB ( Account information disputed by consumer ) Thank you for your prompt attention to this matter. I look forward to a thorough investigation and appropriate corrective actions. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Follow-up Dispute for Account XXXX ( {$320.00} ) - Complaint # XXXX Dear Bodie XXXX rep, I am writing to follow up on my previous complaint ( # XXXX ) regarding the fraudulent Kikoff Lending LLC account, which was created in my name without my authorization. Despite your review and response dated XX/XX/XXXX, where you concluded there was insufficient evidence to support the removal of this account, I must reiterate that I am a victim of identity theft and did not authorize this account. \n\nIssues with Response : 1. Identity Theft Documentation : As enclosed in my initial complaint, I provided an Identity Theft Report, police report, and a copy of my credit report indicating this account as fraudulent. These documents support my claim under the Fair Credit Reporting Act ( FCRA ) for immediate removal of this account from my credit file.\n\n2. Electronic Acknowledgement of Terms : Your response mentions that the application process included electronic acknowledgement of your terms. However, I did not authorize the creation of this account, nor did I engage in any electronic signing process related to this transaction. Any electronic signature attributed to me was done without my knowledge or consent and should not be considered valid.\n\nRequest for Further Action : Under FCRA Section 605B and in light of my identity theft documentation, I request the following : 1. Immediate Account Removal : In compliance with the FCRA, you are required to cease reporting any information related to this fraudulent account to the credit bureaus. I request the immediate removal of this account from my credit reports. \nXXXX. Written Confirmation : Provide written confirmation that this account has been removed from all credit reporting agencies and that I am absolved of any financial responsibility for this account. \nXXXX. Investigation Report : I request a detailed explanation of the steps taken during your investigation, including how the information provided in my Identity Theft Report, police report, and credit report was evaluated. If XXXX XXXX XXXX can not conclusively prove that this account was legitimately opened by me, the account must be removed as required by law. \n\nI expect a prompt resolution to this matter and ask that you comply with FCRA regulations by removing this fraudulent account. Failure to act will result in further action, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal avenues as necessary. \n\nPlease send your response to the address listed above, or email me at XXXX. Thank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Police Report Credit Report CFPBs Notice to Furnishers of Information","date_sent_to_company":"2024-09-29T23:45:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93722","tags":null,"has_narrative":true,"complaint_id":"10279983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-29T23:44:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dispute</em> Summary ( Metro 2 Fields ) <em>Compliance</em> <em>Condition</em> Code : 88 ( <em>Account</em> in <em>Dispute</em> by <em>Consumer</em> ) ECOA Code : 1 ( Individual <em>Account</em> Responsibility ) <em>Consumer</em> Information Indicator ( CII ) : XH ( <em>Account</em> <em>disputed</em> by <em>consumer</em> ) Special Comment : XB ( <em>Account</em> information <em>disputed</em> by <em>consumer</em> ) Thank you for your prompt attention to this matter. I look forward to a thorough investigation and appropriate corrective actions."],"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 provide a public response"]},"sort":[15.396309,"10279983"]},{"_index":"complaint-public-v1","_id":"10804072","_score":15.382267,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally to address the following account on credit report due to NON-COMPLIANCE with XXXX XXXX reporting standards Creditor : XXXX  Account Number : XXXX Report Number : XXXX Date Opened : XX/XX/XXXX Status : Charged Off ( {$XXXX} written off ) Balance : {$XXXX} past due as of XX/XX/XXXX After a thorough review of my credit report, I have identified significant discrepancies and errors in the way this account is being reported. These discrepancies indicate that the data furnished by XXXX  is not in compliance with the Credit Reporting XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX set by the XXXX XXXX XXXX XXXX XXXX XXXX ). \n\nAccording to the account data, this account is currently reported with an Account XXXX XXXX XXXX ( XXXX XXXX ) ; however, the reporting fails to accurately reflect the associated data fields and compliance condition codes as required by XXXX XXXX guidelines. Specifically : Inaccurate Reporting of Payment History and Status : The payment history indicates multiple charge-offs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which contradicts the proper reporting guidelines. The use of Account XXXX XXXX XXXX ( XXXX XXXX ) must align with a single, consistent status update, not multiple charge-offs over consecutive months. \n\n1.The reporting does not follow XXXX  XXXX guidelines that require an accurate reporting of delinquency timelines. If an account is charged off, it should not continue to update as charged off for subsequent months without closing the account in the system.\n\n2.Improper Use of Compliance Condition Codes : The current reporting lacks the appropriate Compliance Condition Code ( CCC ), which should be updated to reflect my dispute.Under XXXX XXXX XXXX, when an account is being disputed by the consumer, the account should be reported with the code XB ( Account Information Disputed by Consumer ). \nThe absence of this compliance code indicates that SYNCB/PPC did not properly update the status of this account upon receiving notice of my dispute, which is a violation of FCRA guidelines. \n\nXXXX. Failure to Accurately Report Balance and Status Updates : The account shows inconsistent status updates with balances reported incorrectly, last updated as of XX/XX/XXXX, but without clear closure or correction of charge-off status from XX/XX/XXXX. \n\nThe highest balance of {$XXXX} on an account that originally had a credit limit of {$XXXX} is questionable and does not align with typical reporting accuracy requirements. \n\nRequest for Immediate Action In light of the above discrepancies and the failure to adhere to XXXX XXXX standards, I am formally requesting that Experian : Remove the XXXX  account XXXX Account # XXXX ) from my credit report due to inaccurate reporting, non-compliance with the XXXX 's XXXX XXXX XXXX, and violations of the Fair Credit Reporting Act ( FCRA ). \n\nXXXX documentation verifying the accuracy of the reported information or proof that it complies with the current XXXX guidelines. \n\nXXXX my credit file to remove any negative impact caused by this inaccurate reporting. \n\nFailure to Address this Request If Experian fails to take corrective action within the legally mandated XXXX period.","date_sent_to_company":"2024-11-14T08:32:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"10804072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-14T07:59:32.000Z","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":["If an <em>account</em> is charged off, it should not continue to update as charged off for subsequent months without closing the <em>account</em> in the system.\n\n2.Improper Use of <em>Compliance</em> <em>Condition</em> Codes : The current reporting lacks the appropriate <em>Compliance</em> <em>Condition</em> Code ( CCC ), which should be updated to reflect my <em>dispute</em>.Under XXXX XXXX XXXX, when an <em>account</em> is being <em>disputed</em> by the <em>consumer</em>, the <em>account</em> should be reported with the code XB ( <em>Account</em> Information <em>Disputed</em> by <em>Consumer</em> )."],"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 provide a public response"]},"sort":[15.382267,"10804072"]},{"_index":"complaint-public-v1","_id":"15908834","_score":15.347845,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions , Inc . \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  am writing regarding systematic Metro 2 formatting violations and Fair Credit Reporting Act non-compliance related to the above-referenced account ( s ). My investigation has revealed material violations of industry standards and federal consumer protection law. \n\nI. METRO 2 CRRG FORMAT VIOLATIONS IDENTIFIED Your reporting contains the following technical violations of the Credit Reporting Resource Guide : 1. Base Segment Non-Compliance : Account Status Code [ X ] improperly maintained beyond charge-off date Missing Compliance Condition Code XB during dispute period Portfolio Type field misclassification affecting credit scoring 2. K1 Segment Omissions : Failure to include Special Comment Codes during dispute investigation Missing compliance condition markers required under EOSCAR standards 3. Data Element Inconsistencies : [ SPECIFIC FIELD VIOLATIONS WITH METRO 2 FIELD NUMBERS ] II. FCRA PROCEDURAL VIOLATIONS Your organization has violated the following FCRA provisions : 1681s-2 ( b ) - Furnisher Obligations : Failure to conduct reasonable reinvestigation upon notice of dispute Continued reporting of disputed information without proper investigation Inadequate review of consumer-provided documentation 1681i - Dispute Procedures : Investigation timeline exceeded statutory 30-day maximum Inadequate consumer notification of investigation results Failure to provide required consumer rights disclosures III. DAMAGES AND LIABILITY EXPOSURE These violations expose your organization to : Actual Damages : Credit denial, increased interest rates, employment consequences Statutory Damages : XXXX XXXXXXXX {$1000.00} per violation under 15 U.S.C. 1681n Punitive Damages : Willful non-compliance penalties Attorneys Fees : 15 U.S.C. 1681o costs and reasonable attorney fees Injunctive Relief : Court-ordered compliance procedures IV. DEMAND FOR CORRECTIVE ACTION IMMEDIATE REQUIREMENTS ( Within 10 Business Days ) : 1. Complete Account Deletion from all three credit reporting agencies 2. Written Confirmation of deletion with reference numbers 3. Internal System Correction to prevent future inaccurate reporting 4. Compliance Audit of Metro 2 formatting procedures ALTERNATIVE CORRECTIVE REPORTING ( If Account Verified ) : 1. Proper Metro 2 Formatting : Apply Compliance Condition Code XB if disputed Include appropriate K1 segment special comments Correct Account Status Code and Portfolio Type designation 2. FCRA Compliance Documentation : Provide complete investigation file Submit EOSCAR confirmation codes Include original creditor verification records V. SETTLEMENT OPPORTUNITY To resolve this matter without litigation, I demand : Monetary Compensation : $ [ AMOUNT ] for FCRA violations and credit damage Complete Account Deletion with confirmation letters Credit Monitoring Services for 12-month period Written Agreement preventing future reporting on this account VI. PRESERVATION NOTICE You are hereby notified to preserve all documents, electronic records, communications, and data related to this account and me, including but not limited to : Original creditor files and purchase documentation Internal investigation records and procedures EOSCAR/E-OSCAR system communications Employee training materials on Metro 2 compliance Audit records and compliance monitoring reports","date_sent_to_company":"2025-09-12T10:36:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"71457","tags":null,"has_narrative":true,"complaint_id":"15908834","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-12T10:36:16.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Base Segment Non-<em>Compliance</em> : <em>Account</em> Status Code [ X ] improperly maintained beyond charge-off date Missing <em>Compliance</em> <em>Condition</em> Code XB during <em>dispute</em> period Portfolio Type field misclassification affecting credit scoring 2. K1 Segment Omissions : Failure to include Special Comment Codes during <em>dispute</em> investigation Missing <em>compliance</em> <em>condition</em> markers required under EOSCAR standards 3. Data Element Inconsistencies : [ SPECIFIC FIELD VIOLATIONS WITH METRO 2 FIELD NUMBERS ] II."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[15.347845,"15908834"]},{"_index":"complaint-public-v1","_id":"15908833","_score":15.333519,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions , Inc . \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  am writing regarding systematic Metro 2 formatting violations and Fair Credit Reporting Act non-compliance related to the above-referenced account ( s ). My investigation has revealed material violations of industry standards and federal consumer protection law. \n\nI. METRO 2 CRRG FORMAT VIOLATIONS IDENTIFIED Your reporting contains the following technical violations of the Credit Reporting Resource Guide : 1. Base Segment Non-Compliance : Account Status Code [ X ] improperly maintained beyond charge-off date Missing Compliance Condition Code XB during dispute period Portfolio Type field misclassification affecting credit scoring 2. K1 Segment Omissions : Failure to include Special Comment Codes during dispute investigation Missing compliance condition markers required under EOSCAR standards 3. Data Element Inconsistencies : [ SPECIFIC FIELD VIOLATIONS WITH METRO 2 FIELD NUMBERS ] II. FCRA PROCEDURAL VIOLATIONS Your organization has violated the following FCRA provisions : 1681s-2 ( b ) - Furnisher Obligations : Failure to conduct reasonable reinvestigation upon notice of dispute Continued reporting of disputed information without proper investigation Inadequate review of consumer-provided documentation 1681i - Dispute Procedures : Investigation timeline exceeded statutory 30-day maximum Inadequate consumer notification of investigation results Failure to provide required consumer rights disclosures III. DAMAGES AND LIABILITY EXPOSURE These violations expose your organization to : Actual Damages : Credit denial, increased interest rates, employment consequences Statutory Damages : XXXX XXXXXXXX {$1000.00} per violation under 15 U.S.C. 1681n Punitive Damages : Willful non-compliance penalties Attorneys Fees : 15 U.S.C. 1681o costs and reasonable attorney fees Injunctive Relief : Court-ordered compliance procedures IV. DEMAND FOR CORRECTIVE ACTION IMMEDIATE REQUIREMENTS ( Within 10 Business Days ) : 1. Complete Account Deletion from all three credit reporting agencies 2. Written Confirmation of deletion with reference numbers 3. Internal System Correction to prevent future inaccurate reporting 4. Compliance Audit of Metro 2 formatting procedures ALTERNATIVE CORRECTIVE REPORTING ( If Account Verified ) : 1. Proper Metro 2 Formatting : Apply Compliance Condition Code XB if disputed Include appropriate K1 segment special comments Correct Account Status Code and Portfolio Type designation 2. FCRA Compliance Documentation : Provide complete investigation file Submit EOSCAR confirmation codes Include original creditor verification records V. SETTLEMENT OPPORTUNITY To resolve this matter without litigation, I demand : Monetary Compensation : $ [ AMOUNT ] for FCRA violations and credit damage Complete Account Deletion with confirmation letters Credit Monitoring Services for 12-month period Written Agreement preventing future reporting on this account VI. PRESERVATION NOTICE You are hereby notified to preserve all documents, electronic records, communications, and data related to this account and me, including but not limited to : Original creditor files and purchase documentation Internal investigation records and procedures EOSCAR/E-OSCAR system communications Employee training materials on Metro 2 compliance Audit records and compliance monitoring reports","date_sent_to_company":"2025-09-12T10:36:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"71457","tags":null,"has_narrative":true,"complaint_id":"15908833","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-12T10:36:16.000Z","state":"LA","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":["Base Segment Non-<em>Compliance</em> : <em>Account</em> Status Code [ X ] improperly maintained beyond charge-off date Missing <em>Compliance</em> <em>Condition</em> Code XB during <em>dispute</em> period Portfolio Type field misclassification affecting credit scoring 2. K1 Segment Omissions : Failure to include Special Comment Codes during <em>dispute</em> investigation Missing <em>compliance</em> <em>condition</em> markers required under EOSCAR standards 3. Data Element Inconsistencies : [ SPECIFIC FIELD VIOLATIONS WITH METRO 2 FIELD NUMBERS ] II."],"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 provide a public response"]},"sort":[15.333519,"15908833"]},{"_index":"complaint-public-v1","_id":"14452539","_score":14.729827,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Account number XXXX I am filing a formal complaint against XXXX XXXX and the XXXX XXXX  credit bureaus ( XXXX, Equifax, and XXXX  ) for reporting XXXX inaccurate and unverifiable late payments on my XXXX XXXX account. \n\nXXXX XXXX XX/XX/year> XX/XX/year> These late payments are negatively impacting my credit profile and were submitted without full compliance to Metro 2 industry reporting standards and FCRA Section 611 ( a ).\n\nI have submitted disputes to the credit bureaus and requested the method of verification, timestamp of delinquency, and proof of Metro 2 compliance ( including base segment coding and condition codes ). The credit bureaus failed to respond with adequate documentation and instead verified the item generically without fulfilling their legal duty. \n\nSpecifically : No proof has been provided of proper delinquency coding format per Metro 2 No reporting of any \" Compliance Condition Codes '' as required No records of hardship, deferral, or grace periods acknowledged No detailed method of verification provided by the data furnishers I am now requesting that the CFPB enforce a full reinvestigation into the legitimacy of these entries and demand their permanent deletion if full compliance and verification can not be proven within 30 days. \n\nThese lates were either : Reported inaccurately Verified without proper documentation Or coded in a way that violates Metro 2 & FCRA rules This complaint is being filed to protect my rights under the Fair Credit Reporting Act and to ensure that only 100 % verifiable, accurate, and lawfully reported data remains on my consumer credit file. \n\nI am attaching supporting documentation and demand an immediate reinvestigation and deletion if the furnishers and bureaus can not provide full proof of accuracy.","date_sent_to_company":"2025-07-03T05:57:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29579","tags":null,"has_narrative":true,"complaint_id":"14452539","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-03T05:56:49.000Z","state":"SC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have submitted <em>disputes</em> to the credit bureaus and requested the method of verification, timestamp of delinquency, and proof of Metro 2 <em>compliance</em> ( including base segment coding and <em>condition</em> codes ). The credit bureaus failed to respond with adequate documentation and instead verified the item generically without fulfilling their legal duty."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[14.729827,"14452539"]},{"_index":"complaint-public-v1","_id":"14435174","_score":14.729827,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Account number XXXX I am filing a formal complaint against XXXX XXXX and the XXXX XXXX  credit bureaus ( XXXX, XXXX, and TransUnion ) for reporting XXXX inaccurate and unverifiable late payments on my XXXX XXXX account. \n\nXXXX XXXX XX/XX/year> XX/XX/year> These late payments are negatively impacting my credit profile and were submitted without full compliance to Metro 2 industry reporting standards and FCRA Section 611 ( a ).\n\nI have submitted disputes to the credit bureaus and requested the method of verification, timestamp of delinquency, and proof of Metro 2 compliance ( including base segment coding and condition codes ). The credit bureaus failed to respond with adequate documentation and instead verified the item generically without fulfilling their legal duty. \n\nSpecifically : No proof has been provided of proper delinquency coding format per Metro 2 No reporting of any \" Compliance Condition Codes '' as required No records of hardship, deferral, or grace periods acknowledged No detailed method of verification provided by the data furnishers I am now requesting that the CFPB enforce a full reinvestigation into the legitimacy of these entries and demand their permanent deletion if full compliance and verification can not be proven within 30 days. \n\nThese lates were either : Reported inaccurately Verified without proper documentation Or coded in a way that violates Metro 2 & FCRA rules This complaint is being filed to protect my rights under the Fair Credit Reporting Act and to ensure that only 100 % verifiable, accurate, and lawfully reported data remains on my consumer credit file. \n\nI am attaching supporting documentation and demand an immediate reinvestigation and deletion if the furnishers and bureaus can not provide full proof of accuracy.","date_sent_to_company":"2025-07-03T05:57:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29579","tags":null,"has_narrative":true,"complaint_id":"14435174","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-03T05:56:49.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have submitted <em>disputes</em> to the credit bureaus and requested the method of verification, timestamp of delinquency, and proof of Metro 2 <em>compliance</em> ( including base segment coding and <em>condition</em> codes ). The credit bureaus failed to respond with adequate documentation and instead verified the item generically without fulfilling their legal duty."],"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 provide a public response"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[14.729827,"14435174"]},{"_index":"complaint-public-v1","_id":"15574986","_score":14.711779,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issues with Reporting : The account is reported as Paid/Closed with a {$0.00} balance and {$0.00} original balance, yet it is simultaneously coded as Collection/Charge-Off. This is factually inconsistent and misleading.\n\nThe remarks include : Payment after charge off/collection | Dispute resolved ; consumer disagrees, account closed by consumer. This conflicts with the listed condition of Paid/Closed and creates an inaccurate impression of delinquency.\n\nThe account reflects no active debt, no payment obligation, and no outstanding balance, yet remains coded as derogatory. This is a direct violation of Metro 2 reporting compliance, which requires accuracy, consistency, and completeness.\n\nThe entry provides no verifiable original balance, creditor sale/assignment details, or charge-off documentation, which makes it unverifiable under the FCRA.","date_sent_to_company":"2025-08-28T21:50:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08816","tags":null,"has_narrative":true,"complaint_id":"15574986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-28T21:36:29.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Issues with Reporting : The <em>account</em> is reported as Paid/Closed with a {$0.00} balance and {$0.00} original balance, yet it is simultaneously coded as Collection/Charge-Off. This is factually inconsistent and misleading.\n\nThe remarks include : Payment after charge off/collection | <em>Dispute</em> resolved ; <em>consumer</em> disagrees, <em>account</em> closed by <em>consumer</em>. This conflicts with the listed <em>condition</em> of Paid/Closed and creates an inaccurate impression of delinquency."],"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 provide a public response"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[14.711779,"15574986"]},{"_index":"complaint-public-v1","_id":"14452537","_score":14.672139,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Account number XXXX I am filing a formal complaint against XXXX XXXX and the XXXX XXXX  credit bureaus ( Experian, XXXX, and XXXX  ) for reporting XXXX inaccurate and unverifiable late payments on my XXXX XXXX account. \n\nXXXX XXXX XX/XX/year> XX/XX/year> These late payments are negatively impacting my credit profile and were submitted without full compliance to Metro 2 industry reporting standards and FCRA Section 611 ( a ).\n\nI have submitted disputes to the credit bureaus and requested the method of verification, timestamp of delinquency, and proof of Metro 2 compliance ( including base segment coding and condition codes ). The credit bureaus failed to respond with adequate documentation and instead verified the item generically without fulfilling their legal duty. \n\nSpecifically : No proof has been provided of proper delinquency coding format per Metro 2 No reporting of any \" Compliance Condition Codes '' as required No records of hardship, deferral, or grace periods acknowledged No detailed method of verification provided by the data furnishers I am now requesting that the CFPB enforce a full reinvestigation into the legitimacy of these entries and demand their permanent deletion if full compliance and verification can not be proven within 30 days. \n\nThese lates were either : Reported inaccurately Verified without proper documentation Or coded in a way that violates Metro 2 & FCRA rules This complaint is being filed to protect my rights under the Fair Credit Reporting Act and to ensure that only 100 % verifiable, accurate, and lawfully reported data remains on my consumer credit file. \n\nI am attaching supporting documentation and demand an immediate reinvestigation and deletion if the furnishers and bureaus can not provide full proof of accuracy.","date_sent_to_company":"2025-07-03T05:57:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29579","tags":null,"has_narrative":true,"complaint_id":"14452537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-03T05:56:49.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have submitted <em>disputes</em> to the credit bureaus and requested the method of verification, timestamp of delinquency, and proof of Metro 2 <em>compliance</em> ( including base segment coding and <em>condition</em> codes ). The credit bureaus failed to respond with adequate documentation and instead verified the item generically without fulfilling their legal duty."],"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 provide a public response"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[14.672139,"14452537"]},{"_index":"complaint-public-v1","_id":"12951299","_score":14.605466,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX Experian Attn : Executive Customer Relations XXXX XXXX XXXX XXXX XXXX, CA XXXX **RE : Formal Dispute per FCRA Section 611 ( a ) - Metro2 Non-Compliance** **Consumer Name : ** XXXX XXXXr **Date of Birth : ** XX/XX/XXXX **SSN : ** XXXX **Special Comment Code : ** XXXX  ( Consumer Disputes Account Information ) To Whom It May Concern : This communication serves as my formal dispute under FCRA Section 611 ( a ) ( 2 ) regarding multiple accounts on my Experian credit report that fail to comply with Metro2 reporting standards as outlined in the XXXX 's Credit Reporting Resource Guide ( XXXX ). \n\nI am aware of the Consumer Financial Protection Bureau 's lawsuit against Experian ( Case Number : XXXX ) alleging systematic failures in Metro2 compliance verification during the dispute resolution process.\n\nThe following accounts contain Metro2 Format violations per the XXXX and FCRA Section 623 ( b ) : **1. XXXX - Account Condition Code : Currently showing Collection ( Code 97 ) - Portfolio Type : 31 - Balance : {$1000.00} as of XX/XX/XXXX - XXXX Code issue : Account incorrectly lacks Consumer Dispute Indicator ( XXXX  ) - Compliance Failure : Despite \" Under dispute '' marking, no Compliance Condition Code XC has been applied - Metro2 Correction Required : Apply XH ( Disputed Information ) indicator and correct Account Status code **2. XXXX - Account Status : Under dispute - Metro2 Compliance Issue : No Specialized Payment Indicator ( SPI ) code or Account Status ( 05 ) reflecting dispute - Required Action : Apply appropriate XXXX XXXX dispute indicators **3. Account with Negative Payment History** - Payment History Profile : Containing delinquencies for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Metro2 Compliance Issue : Inaccurate Payment History Profile codes- Required Correction : Apply appropriate payment codes as per XXXX XXXX. Duplicate XXXX XXXXXXXX Accounts ( XXXX ) ** - Metro2 Violation : XXXX Section 6.8 prohibits duplicate account reporting - Account Corrections Required : Remove duplicate tradeline and retain single accurate account with proper Date Opened field Per FCRA Section 611 ( a ) and the E-OSCARXXXX requirements outlined in the XXXX, I formally request : 1. Full Metro2 compliance review including verification of all Base Segment fields and applicable Appendage Segments 2. Proper transmission of all dispute codes ( XXXX XXXX ) to data furnishers via XXXX 3. Verification of FCRA-compliant reinvestigation including all relevant Account Status Codes 4. Removal of all accounts that can not be verified in compliance with Metro2 Format requirements 5. Written confirmation that all disputed accounts have been properly coded with applicable XXXX XXXX XXXX XXXX  indicators 6. Notification of all corrections to data furnishers, including proper Metro2 compliance requirements This dispute requires your verification that all data furnishers are properly certified in Metro2 Format reporting per CDIA requirements and that all Account Status, Portfolio Type, and Consumer Information Indicator fields comply with current CRRG standards.\n\nUnder the FCRA, ECOA Regulation B, and CFPB guidelines, I expect a complete response within 30 days including verification that proper dispute codes have been applied to my consumer disclosure. \n\nSincerely, XXXX XXXX Enclosures : - Copy of Experian credit report with Metro2 compliance issues highlighted - Supporting documentation for disputed items","date_sent_to_company":"2025-04-12T01:15:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"12951299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-12T01:10:41.000Z","state":"LA","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":["XXXX - <em>Account</em> <em>Condition</em> Code : Currently showing Collection ( Code 97 ) - Portfolio Type : 31 - Balance : {$1000.00} as of XX/XX/XXXX - XXXX Code issue : <em>Account</em> incorrectly lacks <em>Consumer</em> <em>Dispute</em> Indicator ( XXXX  ) - <em>Compliance</em> Failure : Despite \" Under <em>dispute</em> '' marking, no <em>Compliance</em> <em>Condition</em> Code XC has been applied - Metro2 Correction Required : Apply XH ( <em>Disputed</em> Information ) indicator and correct <em>Account</em> Status code **2."],"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 provide a public response"]},"sort":[14.605466,"12951299"]},{"_index":"complaint-public-v1","_id":"16557603","_score":14.454845,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This serves as a formal dispute, reinvestigation demand, and notice of intent to sue under the Fair Credit Reporting Act ( FCRA ) and Metro-2 Compliance Reporting Standards. \nUpon review of my Equifax credit file, I discovered a XXXX / XXXX credit card account reported with a {$5000.00} limit. I did not authorize, apply for, or open this account. It is fraudulent. \nDespite my identity theft reports and documentation, Equifax verified this item as accurate, which is a direct violation of my consumer rights. Additionally, Equifaxs failure to safeguard personal information during known data breaches further establishes negligence in verifying consumer data.\n\nFCRA Violations 1. 602 Failure to ensure fair and accurate reporting.\n\n2. 605 ( b ) Failure to delete or correct inaccurate information within 5 business days.\n\n3. 605A Failure to apply heightened fraud alert protocols.\n\n4. 607 ( b ) Failure to maintain procedures for maximum accuracy. 5. 611 ( a ) Failure to reinvestigate using original documentation. 6. 609 ( a ) ( 2 ) Failure to provide complete method of verification. 7. 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate. 8. 616617 Civil liability for willful and negligent non-compliance ( {$1000.00} per violation ).\n\nMetro-2 Compliance Violations 1. Base Segment Error Improper ECOA and ownership coding.\n\n2. Status Code Violation Fraudulent accounts must be reported as XB Consumer Claims Fraud.\n\n3. Date Mismatch Inconsistent open and last-update dates ( Fields 24 & 25 ). 4. Missing Compliance Condition Code Required D or E condition code omitted.\n\n5. Failure to Suppress Unverified Data Unverified tradelines must be suppressed within 5 business days of dispute.\n\nProof of Fraud & Negligence - FTC Identity Theft Report # XXXX identifying XXXX / XXXX as fraudulent. - Affidavit of Truth ( attached ). \n- Experian Report : XXXX account removed as fraudulent. \n- Identity IQ Report ID : Confirms fraudulent status. \n- Equifaxs prior data breach compromised personal data. \n- Equifax verified this item as accurate despite insufficient evidence.","date_sent_to_company":"2025-10-14T02:01:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"270XX","tags":null,"has_narrative":true,"complaint_id":"16557603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-14T01:57:27.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Metro-2 <em>Compliance</em> Violations 1. Base Segment Error Improper ECOA and ownership coding.\n\n2. Status Code Violation Fraudulent <em>accounts</em> must be reported as XB <em>Consumer</em> Claims Fraud.\n\n3. Date Mismatch Inconsistent open and last-update dates ( Fields 24 & 25 ). 4. Missing <em>Compliance</em> <em>Condition</em> Code Required D or E <em>condition</em> code omitted.\n\n5. Failure to Suppress Unverified Data Unverified tradelines must be suppressed within 5 business days of <em>dispute</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.454845,"16557603"]},{"_index":"complaint-public-v1","_id":"22228739","_score":14.406927,"_source":{"product":"Debt collection","complaint_what_happened":"I am formally disputing an apartment-related debt being collected and reported by IQ Data XXXX  XXXX  because the alleged damages were pre-existing and improperly attributed to me. \n\nI moved into the apartment in XX/XX/XXXX and completed the required move-in inventory and condition form at the beginning of the tenancy. On that form, I documented multiple pre-existing issues within the unit, including flooring/carpet damage. IQ Data XXXX has now provided a copy of the move-in inspection form, and the document itself reflects handwritten notes regarding the flooring condition at move-in. \n\nDuring my tenancy, maintenance requests were submitted regarding the flooring issue, and management attempted repairs. The repairs were unsuccessful and the flooring problem continued afterward, demonstrating that management was aware of the condition during occupancy and that the issue was ongoing in nature rather than newly caused tenant damage. \n\nDespite this documented history, I was later charged for flooring-related damages after moving out, and the alleged balance was placed with IQ Data XXXX  XXXX  for collection and reported to XXXX XXXX and XXXX \n\nI disputed the account with the credit bureaus and requested investigations into the accuracy of the debt. I also submitted complaints through the Consumer Financial Protection Bureau beginning on or around XX/XX/XXXX. Despite the existence of documentation showing that the flooring condition existed at move-in and was the subject of maintenance and repair attempts during tenancy, the account was still verified and continues to be reported as valid. \n\nThe documentation now available directly contradicts the claim that the flooring damage originated during my tenancy. IQ Data XXXX has not provided sufficient evidence demonstrating that I caused any new tenant-related damage beyond the pre-existing conditions documented at move-in. No adequate before-and-after evidence, move-out comparison documentation, or proof establishing tenant-caused damage beyond the pre-existing condition has been provided. \n\nAdditionally, all credit bureaus failed to meaningfully explain the method used to verify the account despite requests for investigation details and supporting documentation. The continued reporting of this disputed and inaccurate account raises serious concerns regarding compliance with the Fair Credit Reporting Act, including the requirement to conduct a reasonable investigation and maintain maximum possible accuracy in credit reporting. Continued collection and reporting of a disputed debt without sufficient validation also raises concerns under the Fair Debt Collection Practices Act. \n\nThis inaccurate account has caused significant financial and emotional harm. Because of this false and disputed reporting, I have experienced difficulty obtaining housing and apartments. The continued reporting of this account has negatively impacted my credit profile and rental opportunities despite evidence showing the alleged damages were pre-existing and known during tenancy.","date_sent_to_company":"2026-05-15T02:14:31.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"22228739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2026-05-15T01:53:25.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The continued reporting of this <em>disputed</em> and inaccurate <em>account</em> raises serious concerns regarding <em>compliance</em> with the Fair Credit Reporting Act, including the requirement to conduct a reasonable investigation and maintain maximum possible accuracy in credit reporting. Continued collection and reporting of a <em>disputed</em> debt without sufficient validation also raises concerns under the Fair Debt Collection Practices Act. \n\nThis inaccurate <em>account</em> has caused significant financial and emotional harm."]},"sort":[14.406927,"22228739"]},{"_index":"complaint-public-v1","_id":"15254981","_score":14.391895,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Midland Credit Management , Inc . \nAttn : Chief Compliance Officer XXXX. XXXX XXXX XXXX XXXX, CA XXXX Re : Account # XXXX XXXX Compliance Request for Removal To Whom It May Concern : This letter serves as my formal notice of dispute regarding the reporting of the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX Credit Reporting Resource Guide ( CRRG ) standards for data furnishers.\n\nThe current reporting of this account contains factual and compliance errors under XXXX XXXX reporting standards and FCRA 623 ( a ), which require that all furnished information be accurate, complete, and in proper format. Specifically : Account Status Misreporting According to the XXXX XXXX CRRG, an account reported as Placed for Collection must reflect an accurate and verifiable Date of First Delinquency ( DOFD ). The DOFD for this account has not been verified or disclosed to me as required under FCRA 623 ( a ) ( 5 ).\n\nDuplicate Remarks The remark Account information disputed by consumer appears multiple times in the tradeline. XXXX XXXX standards prohibit redundant dispute coding and require the dispute condition code to be applied accurately and singularly ( Com\n\npliance Condition Code XB when in dispute ). This redundancy constitutes inaccurate reporting. Incomplete Original Creditor Identification The listing shows Original creditor name : Midland Credit Management Inc. However, Midland Credit Management is a debt buyer, not the original creditor. XXXX XXXX requires the actual original creditors name and identifying information. This is a compliance error under FCRA 623 ( a ) ( 1 ) ( A ). \n\nFailure to Update During Dispute Under XXXX XXXX standards and FCRA 623 ( a ) ( 3 ), a furnisher must report the account as in dispute and suppress certain data fields until the dispute is resolved. This tradeline reflects ongoing updates without the proper dispute coding structure, violating this standard. \n\nBecause these violations render the reporting of this account factually inaccurate and non-compliant with federal law and XXXX XXXX requirements, I am requesting immediate deletion of the tradeline from all consumer reporting agencies to avoid continued furnishing of inaccurate data. \n\nPlease provide : Written confirmation of deletion sent to me and all consumer reporting agencies to which you have furnished this account. \n\nThe name and contact information of the person responsible for handling XXXX XXXX compliance at Midland Credit Management. \n\nAll documentation you claim supports the current reporting, including the original creditor agreement and complete payment history from inception. \n\nIf Midland Credit Management continues to report this account without correcting the identified XXXX XXXX compliance failures, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and the Federal Trade Commission ( FTC ), and to pursue all available remedies under FCRA 616617.\n\nI expect your written response within 30 days of receipt of this letter, as required by law. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-13T22:34:43.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"60504","tags":null,"has_narrative":true,"complaint_id":"15254981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-08-13T22:30:53.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["The DOFD for this <em>account</em> has not been verified or disclosed to me as required under FCRA 623 ( a ) ( 5 ).\n\nDuplicate Remarks The remark <em>Account</em> information <em>disputed</em> by <em>consumer</em> appears multiple times in the tradeline. XXXX XXXX standards prohibit redundant <em>dispute</em> coding and require the <em>dispute</em> <em>condition</em> code to be applied accurately and singularly ( Com\n\npliance <em>Condition</em> Code XB when in <em>dispute</em> ). This redundancy constitutes inaccurate reporting."]},"sort":[14.391895,"15254981"]},{"_index":"complaint-public-v1","_id":"16536763","_score":14.367157,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - XXXX Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the Consumer Data Industry Association ( CDIA ). \n\nAlso, I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX  credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:26:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16536763","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-13T21:19:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to : <em>Accounts</em> in <em>Dispute</em> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, - Failure to report the required <em>Compliance</em> <em>Condition</em> Code XB while <em>account</em> is under active <em>consumer</em> <em>dispute</em> - The <em>Account</em> Status Metro 2 Base 17A <em>compliance</em> violation - Current Balance Metro Base 12"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.367157,"16536763"]},{"_index":"complaint-public-v1","_id":"16538117","_score":14.258951,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : 1. Dept OF EDXXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - K4/3 Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Experian immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:13:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16538117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-13T21:02:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Dept OF EDXXXX <em>Account</em> # XXXX Specifically - Failure to report the required <em>Compliance</em> <em>Condition</em> Code XB while <em>account</em> is under active <em>consumer</em> <em>dispute</em> - The <em>Account</em> Status Metro 2 Base 17A <em>compliance</em> violation - Current Balance Metro Base 12 <em>compliance</em> violation - Terms Metro 2 Base 13 <em>compliance</em> violations- Last Payment Date Metro 2 Base 17 <em>compliance</em> violation - Special Comment Metro 2 Base 19 <em>compliance</em> violation - Reporting Summary Metro 2 Base 18 <em>compliance</em> violation - K4/3 Segment Mero 2 <em>compliance</em>"],"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 provide a public response"]},"sort":[14.258951,"16538117"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1502,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1502}]}},"product":{"doc_count":1502,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting 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