{"took":384,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":310,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14641582","_score":15.337003,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute an account or inquiry listed on my credit report that I believe was obtained or furnished without my written permission, in direct violation of 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ).\n\nAccording to this law, a consumer reporting agency may only furnish a consumer report under specific circumstances, including the written instruction of the consumer. I have not provided any written consent to [ insert name of creditor, collector, or entity ] to access or furnish any information regarding my consumer report. \n\nAs such, I am formally requesting the following : The immediate deletion of the disputed account or inquiry from my credit report ; A full investigation into the matter and the source of the information that was reported ; Copies of any documents that allegedly provide my consent or authorization ; A written response and results of your investigation within the 30-day window, as required by the FCRA.\n\nIf you can not verify that written consent was provided, the account or inquiry must be deleted from my file immediately to remain in compliance with federal law. \n\nThank you for your prompt attention to this matter. I expect a written response within 30 days. \n\nSincerely, [ XXXX XXXX ] [ SSN XXXX ] [ Date of Birth : XX/XX/year> ]","date_sent_to_company":"2025-07-14T23:29:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01832","tags":null,"has_narrative":true,"complaint_id":"14641582","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-14T23:28:53.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["If you can not verify that written consent was provided, the account or inquiry must be deleted from my file immediately to remain in <em>compliance</em> with federal law. \n\nThank you for your prompt attention to this matter. I expect a written response within 30 days. \n\nSincerely, [ XXXX XXXX ] [ SSN XXXX ] [ Date of <em>Birth</em> : XX/XX/<em>year</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":[15.337003,"14641582"]},{"_index":"complaint-public-v1","_id":"14641581","_score":15.337003,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute an account or inquiry listed on my credit report that I believe was obtained or furnished without my written permission, in direct violation of 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ).\n\nAccording to this law, a consumer reporting agency may only furnish a consumer report under specific circumstances, including the written instruction of the consumer. I have not provided any written consent to [ insert name of creditor, collector, or entity ] to access or furnish any information regarding my consumer report. \n\nAs such, I am formally requesting the following : The immediate deletion of the disputed account or inquiry from my credit report ; A full investigation into the matter and the source of the information that was reported ; Copies of any documents that allegedly provide my consent or authorization ; A written response and results of your investigation within the 30-day window, as required by the FCRA.\n\nIf you can not verify that written consent was provided, the account or inquiry must be deleted from my file immediately to remain in compliance with federal law. \n\nThank you for your prompt attention to this matter. I expect a written response within 30 days. \n\nSincerely, [ XXXX XXXX ] [ SSN XXXX ] [ Date of Birth : XX/XX/year> ]","date_sent_to_company":"2025-07-14T23:29:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01832","tags":null,"has_narrative":true,"complaint_id":"14641581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-14T23:28:53.000Z","state":"MA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["If you can not verify that written consent was provided, the account or inquiry must be deleted from my file immediately to remain in <em>compliance</em> with federal law. \n\nThank you for your prompt attention to this matter. I expect a written response within 30 days. \n\nSincerely, [ XXXX XXXX ] [ SSN XXXX ] [ Date of <em>Birth</em> : XX/XX/<em>year</em>> ]"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[15.337003,"14641581"]},{"_index":"complaint-public-v1","_id":"14642564","_score":15.332089,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute an account or inquiry listed on my credit report that I believe was obtained or furnished without my written permission, in direct violation of 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ).\n\nAccording to this law, a consumer reporting agency may only furnish a consumer report under specific circumstances, including the written instruction of the consumer. I have not provided any written consent to [ insert name of creditor, collector, or entity ] to access or furnish any information regarding my consumer report. \n\nAs such, I am formally requesting the following : The immediate deletion of the disputed account or inquiry from my credit report ; A full investigation into the matter and the source of the information that was reported ; Copies of any documents that allegedly provide my consent or authorization ; A written response and results of your investigation within the 30-day window, as required by the FCRA.\n\nIf you can not verify that written consent was provided, the account or inquiry must be deleted from my file immediately to remain in compliance with federal law. \n\nThank you for your prompt attention to this matter. I expect a written response within 30 days. \n\nSincerely, [ XXXX XXXX ] [ SSN XXXX ] [ Date of Birth : XX/XX/year> ]","date_sent_to_company":"2025-07-15T00:30:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01832","tags":null,"has_narrative":true,"complaint_id":"14642564","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-14T23:05:48.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["If you can not verify that written consent was provided, the account or inquiry must be deleted from my file immediately to remain in <em>compliance</em> with federal law. \n\nThank you for your prompt attention to this matter. I expect a written response within 30 days. \n\nSincerely, [ XXXX XXXX ] [ SSN XXXX ] [ Date of <em>Birth</em> : XX/XX/<em>year</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":[15.332089,"14642564"]},{"_index":"complaint-public-v1","_id":"10252559","_score":14.917537,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. \n\nI formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. \n\nI have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately.","date_sent_to_company":"2024-09-27T00:30:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"10252559","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-27T00:24:10.000Z","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>Consumer</em> Name : ( XXXX, XXXX ), <em>Consumer</em> Social Security Number : ( XXXX ), <em>Consumer</em> Date of <em>Birth</em> : ( XX/XX/<em>year</em>> ), Contents of Complaint : Upon reviewing my <em>Consumer</em> Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), <em>Consumer</em> Reporting Agencies are legally required to ensure the utmost accuracy in reporting <em>consumer</em> 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":[14.917537,"10252559"]},{"_index":"complaint-public-v1","_id":"10252477","_score":14.917537,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. \n\nI formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. \n\nI have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately.","date_sent_to_company":"2024-09-27T00:35:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"10252477","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-27T00:31:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Consumer</em> Name : ( XXXX, XXXX ), <em>Consumer</em> Social Security Number : ( XXXX ), <em>Consumer</em> Date of <em>Birth</em> : ( XX/XX/<em>year</em>> ), Contents of Complaint : Upon reviewing my <em>Consumer</em> Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), <em>Consumer</em> Reporting Agencies are legally required to ensure the utmost accuracy in reporting <em>consumer</em> information."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.917537,"10252477"]},{"_index":"complaint-public-v1","_id":"16245594","_score":14.721136,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a dispute to Experian regarding inaccurate, unverifiable, and incomplete information on my credit report. My dispute was made directly by me, with my identifying information included ( name, current address, date of birth, and last four of SSN ). \nInstead of conducting a reinvestigation, Experian sent me a letter dated XX/XX/year>, claiming my dispute was not authorized by me. This is false. My dispute was valid, direct, and complete. \nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Experian is required to conduct a reasonable reinvestigation of any disputed information within 30 days. If they consider a dispute frivolous or irrelevant, they must notify the consumer of the specific reasons. Experian has failed to do so and is using stall tactics to avoid compliance. \nI also sent Experian a formal rebuttal letter on XX/XX/year> demanding immediate reinvestigation, method of verification, and preservation of evidence. Failure to comply is willful noncompliance, subject to statutory damages under 15 U.S.C. 616617. \n\nAttached is a copy of Experians stall letter, along with my rebuttal sent via Certified Mail. \n\nSincerely, XXXX XXXX XXXX XXXX ( Last XXXX ) : XXXX XXXX","date_sent_to_company":"2025-09-29T15:36:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31204","tags":null,"has_narrative":true,"complaint_id":"16245594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-29T15:16:39.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["If they consider a dispute frivolous or irrelevant, they must notify the <em>consumer</em> of the specific reasons. Experian has failed to do so and is using stall tactics to avoid <em>compliance</em>. \nI also sent Experian a <em>formal</em> rebuttal letter on XX/XX/<em>year</em>> demanding immediate reinvestigation, method of verification, and preservation of evidence. Failure to comply is willful noncompliance, subject to statutory damages under 15 U.S.C. 616617."],"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":[14.721136,"16245594"]},{"_index":"complaint-public-v1","_id":"16578554","_score":14.191716,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Consumer Financial Protection Bureau Dear CFPB XXXX, I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C.\n\n1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) regarding inaccurate reporting by TransUnion and the following furnishers : XXXX XXXX XXXX XXXX, USAA Federal Savings Bank, XXXX XXXX, XXXX XXXX Bank ( XXXX ) XXXX and XXXX The issues include : inconsistent reporting, invalid balance fields, improper charge-off status, missing credit limits, residual dispute remarks, and data misclassification all of which violate FCRA 607 ( b ), 611 ( a ) ( 5 ) ( B ), and 623 ( a ) ( 1 ) ( A ). I request that the CFPB initiate a formal investigation and compel the companies to correct or remove the disputed data, confirm compliance, and provide written confirmation within 30 days. Sincerely, XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/year>","date_sent_to_company":"2025-10-14T05:27:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"917XX","tags":null,"has_narrative":true,"complaint_id":"16578554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-10-14T05:27:23.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I request that the CFPB initiate a <em>formal</em> investigation and compel the companies to correct or remove the disputed data, confirm <em>compliance</em>, and provide written confirmation within 30 days. Sincerely, XXXX XXXX XXXX XXXX, CA XXXX Date of <em>Birth</em> : XX/XX/<em>year</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":[14.191716,"16578554"]},{"_index":"complaint-public-v1","_id":"16578932","_score":14.150755,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Letter Consumer Financial Protection Bureau Dear CFPB XXXX, I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C.\n\n1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) regarding inaccurate reporting by TransUnion and the following furnishers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank, XXXX XXXX, XXXX XXXX Bank ( XXXX ) XXXX and XXXX The issues include : inconsistent reporting, invalid balance fields, improper charge-off status, missing credit limits, residual dispute remarks, and data misclassification all of which violate FCRA 607 ( b ), 611 ( a ) ( 5 ) ( B ), and 623 ( a ) ( 1 ) ( A ). I request that the CFPB initiate a formal investigation and compel the companies to correct or remove the disputed data, confirm compliance, and provide written confirmation within 30 days. Sincerely, XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/year>","date_sent_to_company":"2025-10-14T05:27:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"917XX","tags":null,"has_narrative":true,"complaint_id":"16578932","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-14T05:18:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I request that the CFPB initiate a <em>formal</em> investigation and compel the companies to correct or remove the disputed data, confirm <em>compliance</em>, and provide written confirmation within 30 days. Sincerely, XXXX XXXX XXXX XXXX, CA XXXX Date of <em>Birth</em> : XX/XX/<em>year</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":[14.150755,"16578932"]},{"_index":"complaint-public-v1","_id":"10786473","_score":14.141981,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> -- - Dear [ Credit Reporting Agency ] , I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( [ Account Number : XXXX ] ) for which I have maintained timely payments. \n\nPursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the utmost accuracy of the information they report.\n\nI demand an immediate investigation into the discrepancies on my credit report. Please provide verifiable evidence, such as account statements, to substantiate any alleged late payments. If you can not provide this evidence, you are legally required to update my records to reflect my accurate payment history, as per FCRA Section 611.\n\nThere are only four days remaining to complete this investigation from the date of my initial request. Non-compliance with this timeline will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action.","date_sent_to_company":"2024-11-13T19:45:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"10786473","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-13T19:44:59.000Z","state":"AL","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":["Non-<em>compliance</em> with this timeline will result in a <em>formal</em> complaint to the <em>Consumer</em> Financial Protection Bureau ( CFPB ) and possible legal action."],"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":[14.141981,"10786473"]},{"_index":"complaint-public-v1","_id":"10782262","_score":14.138521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> -- - Dear [ Credit Reporting Agency XXXX XXXX XXXX am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( [ Account Number : XXXX ] ) for which I have maintained timely payments. \n\nPursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the utmost accuracy of the information they report.\n\nI demand an immediate investigation into the discrepancies on my credit report. Please provide verifiable evidence, such as account statements, to substantiate any alleged late payments. If you can not provide this evidence, you are legally required to update my records to reflect my accurate payment history, as per FCRA Section 611.\n\nThere are only four days remaining to complete this investigation from the date of my initial request. Non-compliance with this timeline will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action.","date_sent_to_company":"2024-11-13T19:45:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"10782262","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-13T19:44:59.000Z","state":"AL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Non-<em>compliance</em> with this timeline will result in a <em>formal</em> complaint to the <em>Consumer</em> Financial Protection Bureau ( CFPB ) and possible legal action."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.138521,"10782262"]},{"_index":"complaint-public-v1","_id":"10786477","_score":14.106115,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> -- - Dear [ Credit Reporting Agency ] , I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( [ Account Number : XXXX ] ) for which I have maintained timely payments. \n\nPursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the utmost accuracy of the information they report. \nI demand an immediate investigation into the discrepancies on my credit report. Please provide verifiable evidence, such as account statements, to substantiate any alleged late payments. If you can not provide this evidence, you are legally required to update my records to reflect my accurate payment history, as per FCRA Section 611.\n\nThere are only four days remaining to complete this investigation from the date of my initial request. Non-compliance with this timeline will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action.","date_sent_to_company":"2024-11-13T19:45:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"10786477","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-13T19:44:59.000Z","state":"AL","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":["Non-<em>compliance</em> with this timeline will result in a <em>formal</em> complaint to the <em>Consumer</em> Financial Protection Bureau ( CFPB ) and possible legal action."],"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":[14.106115,"10786477"]},{"_index":"complaint-public-v1","_id":"11055270","_score":13.892995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally resubmit my complaint to CARRINGTON MORTGAGE regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XX/XX/year>. The associated FTC complaint report number for this issue is XXXX. I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.","date_sent_to_company":"2024-12-06T17:27:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"11055270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2024-12-06T17:03:04.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As a <em>consumer</em>, I am asserting my rights under both federal and state <em>consumer</em> protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a <em>formal</em> dispute of the information reported and a request for an immediate <em>compliance</em> check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.892995,"11055270"]},{"_index":"complaint-public-v1","_id":"11049783","_score":13.884809,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally resubmit my complaint to SHEFFIELD FINANCIAL regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XX/XX/year>. The associated FTC complaint report number for this issue is XXXX. I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.","date_sent_to_company":"2024-12-06T16:11:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"11049783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2024-12-06T15:56:19.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As a <em>consumer</em>, I am asserting my rights under both federal and state <em>consumer</em> protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a <em>formal</em> dispute of the information reported and a request for an immediate <em>compliance</em> check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter."],"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":[13.884809,"11049783"]},{"_index":"complaint-public-v1","_id":"11038344","_score":13.884809,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally resubmit my complaint to EQUIFAX regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX. My date of birth is XX/XX/year>. The associated FTC complaint report number for this issue is XXXX. I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.","date_sent_to_company":"2024-12-05T19:55:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"11038344","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-05T19:27:45.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As a <em>consumer</em>, I am asserting my rights under both federal and state <em>consumer</em> protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a <em>formal</em> dispute of the information reported and a request for an immediate <em>compliance</em> check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.884809,"11038344"]},{"_index":"complaint-public-v1","_id":"11050397","_score":13.851718,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally resubmit my complaint to LOANDEPOT.COM LLC regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX  XXXX XXXX, MI XXXX. My date of birth is XX/XX/year>. The associated FTC complaint report number for this issue is XXXX. I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.","date_sent_to_company":"2024-12-06T16:54:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"11050397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LD Holdings Group, LLC","date_received":"2024-12-06T16:22:00.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As a <em>consumer</em>, I am asserting my rights under both federal and state <em>consumer</em> protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a <em>formal</em> dispute of the information reported and a request for an immediate <em>compliance</em> check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.851718,"11050397"]},{"_index":"complaint-public-v1","_id":"19342041","_score":13.841585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : XXXX XXXX XXXX \nAttn : Consumer Relations XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Via Certified Mail, Email, and Consumer Portal ________________________________________ CONSUMER INFORMATION Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN ( last XXXX ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ FORMAL DEMAND FOR IMMEDIATE REMOVAL UNVERIFIABLE & UNLAWFUL REPORTING This letter serves as a formal DEMAND for immediate removal of unlawful information currently being reported in my XXXX consumer file. \nI have already formally disputed these items and filed a CFPB complaint documenting that XXXX is reporting false, inaccurate, incomplete, and unverifiable account abuse information without competent proof. \nContinued reporting after notice constitutes willful non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). \n________________________________________ LEGAL DEFECTS REQUIRING IMMEDIATE DELETION XXXX is in violation of federal law because : 15 U.S.C. 1681e ( b ) You are reporting information without assuring maximum possible accuracy 15 U.S.C. 1681i ( a ) You have failed to conduct a reasonable reinvestigation supported by documentation 15 U.S.C. 1681s-2 ( b ) Furnishers have not produced lawful verification Unverified account abuse designations are defamatory per se when used to block access to banking services Automated responses, internal codes, or furnisher assertions do not satisfy the FCRA. \n________________________________________ FORMAL DEMAND Because XXXX can not lawfully verify the disputed information with documentary evidence, you are hereby required to : XXXX. IMMEDIATELY DELETE all disputed entries from my XXXX  file XXXX. Cease reporting any account abuse, NSF, or unpaid closure data related to these entries XXXX. Provide written confirmation of deletion within XXXX days XXXX. Ensure no reinsertion occurs without full FCRA compliance This demand is not a request for reinvestigation. \nIt is a notice of required deletion due to legal defect. \n________________________________________ FINAL NOTICE If XXXX  fails to comply immediately, I will proceed without further notice with : Escalation of my CFPB complaint Texas Attorney General XXXX XXXX FTC complaint Civil litigation for statutory, actual, and punitive damages under the FCRA Your continued reporting after notice will be used as evidence of willful non-compliance. \n________________________________________ Sincerely, XXXX XXXX Signature : XXXX XXXX XXXX Date : XXXX Enclosures : CFPB Complaint Prior Dispute Letters XXXX  Disclosure Government ID & Proof of Address","date_sent_to_company":"2026-02-08T20:13:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75115","tags":"Servicemember","has_narrative":true,"complaint_id":"19342041","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-02-08T20:13:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To : XXXX XXXX XXXX \nAttn : <em>Consumer</em> Relations XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Via Certified Mail, Email, and <em>Consumer</em> Portal ________________________________________ <em>CONSUMER</em> INFORMATION Name : XXXX XXXX XXXX Date of <em>Birth</em> : XX/XX/<em>year</em>> SSN ( last XXXX ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ <em>FORMAL</em> DEMAND FOR IMMEDIATE REMOVAL UNVERIFIABLE & UNLAWFUL REPORTING This letter serves as a <em>formal</em> DEMAND for immediate"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.841585,"19342041"]},{"_index":"complaint-public-v1","_id":"16330962","_score":13.408038,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Equifax Failure to Accurately Report and Update Credit Information To Whom It May Concern, I am submitting this formal complaint against Equifax Information Services, LLC for its repeated failure to accurately report and update my credit file, which has caused significant financial harm. \nThe last accurate update to my credit report by Equifax was on XX/XX/year>, when my credit score reflected XXXX. Since that date, Equifax has failed to maintain accurate reporting. My credit score has been improperly reported as XXXX for the months of XXXX, XXXX, XXXX, and XX/XX/year>. \nThis is not only inaccurate but impossible, and it violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., which requires consumer reporting agencies to ensure maximum possible accuracy ( 1681e ( b ) ) and to investigate and correct inaccuracies in a timely manner ( 1681i ).\n\nBecause of these false reports : 1. I have been denied credit opportunities.\n\n2. I have been subjected to higher interest rates.\n\n3. I have faced unnecessary financial and emotional hardship due to Equifaxs negligence.\n\nI request that the CFPB investigate Equifaxs failure to maintain and update accurate records, enforce compliance with the FCRA, and ensure that my credit report is corrected immediately. \nI am also requesting written confirmation of the actions taken to resolve this matter. \nThank you for your attention to this complaint. \nSincerely, XXXX XXXX XXXX of Birth XXXX XXXX of SSN for verification XXXX","date_sent_to_company":"2025-10-02T12:01:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23666","tags":null,"has_narrative":true,"complaint_id":"16330962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-02T11:48:04.000Z","state":"VA","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I request that the CFPB investigate Equifaxs failure to maintain and update accurate records, enforce <em>compliance</em> with the FCRA, and ensure that my credit report is corrected immediately. \nI am also requesting written confirmation of the actions taken to resolve this matter. \nThank you for your attention to this complaint. \nSincerely, XXXX XXXX XXXX of <em>Birth</em> XXXX XXXX of SSN for verification XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.408038,"16330962"]},{"_index":"complaint-public-v1","_id":"9412198","_score":13.221758,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against LCI ( hereinafter \" LCI '' ) for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). \n\nSummary of the Dispute : I have a bankruptcy being reported on my XXXX credit report that does not belong to me. XXXX claims that they verified this information with the bankruptcy court ; however, the bankruptcy court has stated unequivocally that they do not verify or provide information to consumer reporting agencies. Specifically, the Bankruptcy Court asserts : \" The Bankruptcy Court does not report or provide information to consumer reporting agencies. The Bankruptcy Court is not responsible for verifying or validating information in consumers credit reports '' XXXX XXXXXXXX XXXX XXXX last visited on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX. \n\nWhen I presented this information to XXXX, they responded that the bankruptcy was verified by LCI. Upon contacting LCI, I received a form letter stating that the last XXXX digits of my social security number and an address match the information they have on file. However, the address in question has never been and is not my address. Furthermore, considering that the last XXXX digits of a social security number are not unique and can easily match multiple individuals XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; See also XXXX XXXX XXXX XXXX last visited on XXXX XXXX XXXX XXXX XXXX XXXX it is beyond reasonable to assert that LCI is inaccurately attributing this bankruptcy to me based on incomplete and unreliable data. \n\nViolation of Federal Rule of Bankruptcy Procedure XXXX : Federal Rule of Bankruptcy Procedure XXXX mandates that certain personal identification information be redacted from documents filed with the court. Filings containing an individual 's social security number, taxpayer identification number, or birth date ; the name of a minor ; or a financial account number may only include : The last four digits of the social security number and taxpayer identification number ; The year of the individual 's birth ; The minors initials ; The last four digits of the financial account number. \nGiven this redaction requirement, it is axiomatic that the bankruptcy could not possibly be accurately reported in compliance with the FCRA. The law commands credit reporting companies to follow reasonable procedures to assure maximum possible accuracy. \n\nFCRA Compliance Issues : Under the FCRA, credit reporting agencies are required to report only accurate and verifiable information. The inaccurate reporting of this bankruptcy by LCI and its inclusion in my XXXX credit report demonstrates a blatant disregard for the requirement to ensure the maximum possible accuracy of consumer information. Such inaccuracies have significant adverse effects on my creditworthiness and financial well-being. \n\nI demand that this incorrect bankruptcy entry be immediately removed from my XXXX credit report. The inaccurate reporting by LCI is unacceptable, and I urge the CFPB to take appropriate action to enforce compliance with the FCRA and ensure that such errors do not persist. \n\nI appreciate your prompt attention to this matter and look forward to a swift resolution.","date_sent_to_company":"2024-07-03T21:55:42.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"98387","tags":null,"has_narrative":true,"complaint_id":"9412198","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"LCI Acquisition Inc.","date_received":"2024-07-03T21:15:30.000Z","state":"WA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Filings containing an individual 's social security number, taxpayer identification number, or <em>birth</em> date ; the name of a minor ; or a financial account number may only include : The last four digits of the social security number and taxpayer identification number ; The <em>year</em> of the individual 's <em>birth</em> ; The minors initials ; The last four digits of the financial account number."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_product":["Other personal <em>consumer</em> report"]},"sort":[13.221758,"9412198"]},{"_index":"complaint-public-v1","_id":"18288633","_score":13.039543,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am submitting this complaint regarding Prosper Marketplace , Inc.s continued reporting of late payments on my credit report despite documented hardship, a federal government shutdown, and Prospers own admitted cybersecurity breach involving my sensitive personal information. \nIn XX/XX/year>, I notified Prosper of a XXXX  XXXX that required medical recovery and temporarily impacted my ability to manage financial obligations. Later in the year, from XX/XX/XXXX through XX/XX/year>, I was directly affected by the federal government shutdown, resulting in loss and delay of income beyond my control. \nDespite these circumstances, Prosper continued to report late payments. I am currently paid up under a formal repayment agreement with Prosper in which payments are current and remaining past-due amounts are deferred to the end of the loan. There are no ongoing delinquencies. \nOn XX/XX/year>, Prosper notified me in writing that my Social Security number, date of birth, bank account information, and credit application data were accessed during a cybersecurity incident involving Prospers systems between XXXX and XX/XX/year>. This raises serious concerns regarding data integrity, accuracy of account records, and fairness of adverse credit reporting during the affected period. \nI contacted Prosper to request a goodwill and compliance-based review in light of : Documented medical hardship A federal government shutdown impacting income Prospers confirmed data breach involving my personal and financial data Prosper responded on XX/XX/year> with a generic statement asserting that the account was reported accurately and refused adjustment. Prosper did not address hardship accommodations, did not address the shutdown, did not address the data breach, and did not confirm whether reporting integrity was reviewed following compromised systems. \nProspers refusal to meaningfully investigate or consider these factors constitutes incomplete dispute handling and creates ongoing consumer harm. Accuracy alone does not absolve a furnisher from its obligations to ensure fair, verifiable, and compliant reporting, particularly following a data breach involving sensitive consumer information. \nI am requesting regulatory review and intervention. I seek removal of the late payment notations associated with these hardship and breach-impacted periods and a written response from Prosper that substantively addresses these issues.","date_sent_to_company":"2025-12-26T03:52:52.000Z","issue":"Incorrect information on your report","sub_product":"Installment loan","zip_code":"798XX","tags":null,"has_narrative":true,"complaint_id":"18288633","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Prosper Marketplace, Inc.","date_received":"2025-12-26T03:05:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am currently paid up under a <em>formal</em> repayment agreement with Prosper in which payments are current and remaining past-due amounts are deferred to the end of the loan. There are no ongoing delinquencies. \nOn XX/XX/<em>year</em>>, Prosper notified me in writing that my Social Security number, date of <em>birth</em>, bank account information, and credit application data were accessed during a cybersecurity incident involving Prospers systems between XXXX and XX/XX/<em>year</em>>."]},"sort":[13.039543,"18288633"]},{"_index":"complaint-public-v1","_id":"12051212","_score":13.036608,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against LexisNexis for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LexisNexis for multiple violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Despite my repeated attempts to access my consumer report and correct inaccuracies, LexisNexis has failed to comply with its statutory obligations under the FCRA.\n\n1. Denial of Access to Consumer Report Under 15 U.S.C. 1681g ( a ), consumer reporting agencies are required to provide consumers with all information in their files upon request. I have made multiple requests to LexisNexis for a copy of my consumer report, yet they have failed to provide the requested information, thereby violating their obligations under the FCRA.\n\n2. Unauthorized Security Freeze LexisNexis has placed a security freeze on my file without my authorization, preventing me from accessing my own information. This unauthorized action not only restricts my access but also contravenes the FCRA 's provisions regarding consumer rights to access and dispute information in their files. \n\nXXXX. Inaccurate Information in Consumer Report Upon obtaining my consumer report, I discovered that LexisNexis has included inaccurate information not associated with my legal name, XXXX XXXX XXXX. This misreporting violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nRequested Actions In light of these violations, I respectfully request the Consumer Financial Protection Bureau to : Investigate LexisNexis 's Non-Compliance : Conduct a thorough investigation into LexisNexis 's failure to provide access to consumer reports, unauthorized security freezes, and inaccurate reporting.\n\nEnforce Compliance with the FCRA : Mandate that LexisNexis provides me with immediate access to my complete and accurate consumer report, removes any unauthorized security freezes, and deletes all information not associated with my legal name, XXXX XXXX XXXX. \nImpose Statutory Fines : Pursue all fines and penalties authorized by law for LexisNexis 's willful non-compliance with the FCRA. \nLexisNexis 's actions have caused significant inconvenience and potential harm to my creditworthiness and personal reputation. I urge the Consumer Financial Protection Bureau to take swift and decisive action to rectify these violations and prevent future occurrences. \n\nThank you for your attention to this matter. I am available to provide any additional information or documentation required to support this complaint. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Phone : XXXX","date_sent_to_company":"2025-02-13T20:32:21.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"92264","tags":null,"has_narrative":true,"complaint_id":"12051212","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-02-13T20:19:26.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I urge the <em>Consumer</em> Financial Protection Bureau to take swift and decisive action to rectify these violations and prevent future occurrences. \n\nThank you for your attention to this matter. I am available to provide any additional information or documentation required to support this complaint. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of <em>Birth</em> : XX/XX/<em>year</em>> Phone : XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.036608,"12051212"]},{"_index":"complaint-public-v1","_id":"11594575","_score":13.020916,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, one of the major credit reporting agencies, for failing to properly address my dispute regarding inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \n\nOn XX/XX/year>, I submitted a written dispute ( file number : XXXX ) to TransUnion requesting the correction of my legal name and the removal of information associated with an incorrect name, XXXX XXXX XXXX. I included all of the required documentation to verify my identity and prove the accuracy of my claim. Specifically, I enclosed : XXXX. A copy of my Social Security card.\n\n2. A copy of my drivers license.\n\n3. A copy of my birth certificate.\n\n4. A recent utility bill as proof of address.\n\nDespite providing this extensive documentation, I received a response from TransUnion dated XX/XX/year>, claiming that I needed to submit additional identity verification documents, which I had already provided. ( This was also not the only credit bureau that I sent this letter to, XXXX was able to complete the request using the information sent in by me. ) This is clearly a stall tactic and a failure to fulfill their obligations under the FCRA. \n\nViolations of the FCRA 1. Failure to Properly Investigate Disputes : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation of disputes. Instead of conducting a proper investigation, TransUnion has chosen to stall and request duplicate documentation.\n\n2. Failure to Correct or Remove Inaccurate Information : The FCRA requires that inaccurate or unverifiable information must be corrected or removed within 30 days. XXXX actions appear to be an attempt to avoid compliance with this requirement. \nXXXX. Unfair Practices : XXXX refusal to acknowledge the documentation I submitted demonstrates an intentional disregard for my rights under the FCRA. \n\nI have attached copies of the original dispute I sent to TransUnion, the supporting documentation, and their inadequate response for your reference. \n\nConclusion : XXXX actions have caused unnecessary delays and stress, and their refusal to address this issue in good faith violates federal law. I trust the CFPB will intervene to hold TransUnion accountable and protect my rights as a consumer. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX Enclosures : 1. Copy of the original dispute letter sent to TransUnion 2. Copies of all supporting documents ( SSN card, drivers license, birth certificate, utility bill ) 3. Copy of TransUnions response dated XX/XX/year> 2025","date_sent_to_company":"2025-01-18T19:10:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"056XX","tags":null,"has_narrative":true,"complaint_id":"11594575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-18T18:45:01.000Z","state":"VT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I trust the CFPB will intervene to hold TransUnion accountable and protect my rights as a <em>consumer</em>. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX Enclosures : 1. Copy of the original dispute letter sent to TransUnion 2. Copies of all supporting documents ( SSN card, drivers license, <em>birth</em> certificate, utility bill ) 3. Copy of TransUnions response dated XX/XX/<em>year</em>> 2025"],"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":[13.020916,"11594575"]},{"_index":"complaint-public-v1","_id":"13683579","_score":12.998387,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint to request a formal correction of the personal information contained in my credit file. Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Format established by the Consumer Data Industry Association ( CDIA ), consumer reporting agencies are required to report only accurate, complete, and up-to-date personal identifiers.\n\nDespite my prior efforts, my credit report continues to reflect outdated and unverifiable information. I am requesting that all obsolete names, former addresses, and irrelevant employer data be permanently deleted, and that only the following verified personal information remain on my file : Verified Personal Information to Report : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/year> Last 4 of SSN : XXXX In support of this request, I have provided the following documentation : A copy of my valid government-issued photo ID A recent utility bill showing my current address As required under FCRA 15 U.S.C. 1681e ( b ), you are legally obligated to maintain reasonable procedures to ensure maximum possible accuracy in the reporting of consumer information. Outdated or unverifiable personal data that does not meet these standards must be removed.\n\nI am formally requesting the following : Removal of all outdated, duplicate, or inaccurate personal identifiers from my credit file ; Retention of only the verified information listed above ; Written confirmation that my credit profile has been updated accordingly.\n\nFailure to comply with these legal obligations may result in regulatory complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. \n\nThank you for your prompt attention to this matter. I expect full compliance with federal law and timely written confirmation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-23T02:56:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48507","tags":null,"has_narrative":true,"complaint_id":"13683579","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-23T02:50:23.000Z","state":"MI","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I expect full <em>compliance</em> with federal law and timely written confirmation. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.998387,"13683579"]},{"_index":"complaint-public-v1","_id":"13680461","_score":12.998387,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint to request a formal correction of the personal information contained in my credit file. Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Format established by the Consumer Data Industry Association ( CDIA ), consumer reporting agencies are required to report only accurate, complete, and up-to-date personal identifiers.\n\nDespite my prior efforts, my credit report continues to reflect outdated and unverifiable information. I am requesting that all obsolete names, former addresses, and irrelevant employer data be permanently deleted, and that only the following verified personal information remain on my file : Verified Personal Information to Report : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/year> Last 4 of SSN : XXXX In support of this request, I have provided the following documentation : A copy of my valid government-issued photo ID A recent utility bill showing my current address As required under FCRA 15 U.S.C. 1681e ( b ), you are legally obligated to maintain reasonable procedures to ensure maximum possible accuracy in the reporting of consumer information. Outdated or unverifiable personal data that does not meet these standards must be removed.\n\nI am formally requesting the following : Removal of all outdated, duplicate, or inaccurate personal identifiers from my credit file ; Retention of only the verified information listed above ; Written confirmation that my credit profile has been updated accordingly.\n\nFailure to comply with these legal obligations may result in regulatory complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. \n\nThank you for your prompt attention to this matter. I expect full compliance with federal law and timely written confirmation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-23T02:56:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48507","tags":null,"has_narrative":true,"complaint_id":"13680461","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-23T02:56:01.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I expect full <em>compliance</em> with federal law and timely written confirmation. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.998387,"13680461"]},{"_index":"complaint-public-v1","_id":"10920813","_score":12.996604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In my credit report, several errors and potentially unverified items came to my attention, prompting me to take action to ensure compliance with federal law, particularly the Fair Credit Reporting Act ( FCRA ). Here 's what happened : I found inaccuracies in my personal information, including my name, employers, addresses, and date of birth, which are incorrectly reported. Additionally, accounts such as XXXX XXXX, XXXX, and XXXX are listed but require factual verification. There are also collections from entities like XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, and XXXX XXXX, which may not be valid. Furthermore, an unauthorized inquiry from XXXX XXXX XXXX  on XX/XX/year>, is present on my report. \n\nI formally contested these inaccuracies and unverified entries under 15 U.S.C. 1681i, which mandates that credit reporting agencies must investigate disputed information within 30 days. I requested they provide verifiable evidence of the legitimacy and accuracy of the disputed items, as required by law and Metro 2 data field reporting standards. If they can not verify the data with physical proof, they are legally obligated to correct or remove it from my credit report. \n\nThese inaccuracies and unverified claims undermine the integrity of my credit report and infringe on my rights as a consumer. I am now waiting for the reporting agency to resolve these disputes promptly and provide me with an updated and corrected credit report.","date_sent_to_company":"2024-11-25T14:17:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30088","tags":null,"has_narrative":true,"complaint_id":"10920813","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-25T14:08:25.000Z","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":["In my credit report, several errors and potentially unverified items came to my attention, prompting me to take action to ensure <em>compliance</em> with federal law, particularly the Fair Credit Reporting Act ( FCRA ). Here 's what happened : I found inaccuracies in my personal information, including my name, employers, addresses, and date of <em>birth</em>, which are incorrectly reported. Additionally, accounts such as XXXX XXXX, XXXX, and XXXX are listed but require factual verification."],"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":[12.996604,"10920813"]},{"_index":"complaint-public-v1","_id":"13680462","_score":12.967542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint to request a formal correction of the personal information contained in my credit file. Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Format established by the Consumer Data Industry Association ( CDIA ), consumer reporting agencies are required to report only accurate, complete, and up-to-date personal identifiers.\n\nDespite my prior efforts, my credit report continues to reflect outdated and unverifiable information. I am requesting that all obsolete names, former addresses, and irrelevant employer data be permanently deleted, and that only the following verified personal information remain on my file : Verified Personal Information to Report : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/year> Last 4 of SSN : XXXX In support of this request, I have provided the following documentation : A copy of my valid government-issued photo ID A recent utility bill showing my current address As required under FCRA 15 U.S.C. 1681e ( b ), you are legally obligated to maintain reasonable procedures to ensure maximum possible accuracy in the reporting of consumer information. Outdated or unverifiable personal data that does not meet these standards must be removed.\n\nI am formally requesting the following : Removal of all outdated, duplicate, or inaccurate personal identifiers from my credit file ; Retention of only the verified information listed above ; Written confirmation that my credit profile has been updated accordingly.\n\nFailure to comply with these legal obligations may result in regulatory complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. \n\nThank you for your prompt attention to this matter. I expect full compliance with federal law and timely written confirmation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-23T02:56:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48507","tags":null,"has_narrative":true,"complaint_id":"13680462","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-23T02:56:01.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I expect full <em>compliance</em> with federal law and timely written confirmation. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to 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