{"took":266,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":12801,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15386014","_score":19.398724,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Transunion Dispute team, Re : Formal Dispute Immediate Deletion Required e-OSCAR Code : 112 ( Creditor Not Recognized ) This is a Metro 2 / FCRA compliance dispute. IMMEDIATE DELETION IS REQUIRED.\n\nMetro 2 Field Violations : - Field 11 ( Account Type ) is reported as Open. XXXX has confirmed in writing they do not own this account. Furnishing Open is false. IMMEDIATE DELETION IS REQUIRED.\n\n- Field 17 ( Account Status ) is reported with balance and open status. Correct status is 93 Account closed/transferred/sold. Reporting otherwise is false. IMMEDIATE DELETION IS REQUIRED - Field 21 ( Balance Amount ) is reported with balance. XXXX is not the owner. Balance reporting is false. IMMEDIATE DELETION IS REQUIRED.\n\n- Field 71 ( Date of Account Information ) has been altered/re-aged. This violates FCRA 605 ( c ). IMMEDIATE DELETION IS REQUIRED.\n\n- Fields 153154 ( Compliance Condition Code ) should be coded XR Delete Account. Failure to code properly is false furnishing. IMMEDIATE DELETION IS REQUIRED.\n\nFCRA Violations : - 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information knowingly. IMMEDIATE DELETION IS REQUIRED.\n\n- 623 ( b ) ( 1 ) ( A ) : Failure to conduct reasonable investigation. IMMEDIATE DELETION IS REQUIRED.\n\n- 607 ( b ) : CRA failure to assure maximum possible accuracy. IMMEDIATE DELETION IS REQUIRED.\n\n- 605 ( c ) : Illegal re-aging of account. IMMEDIATE DELETION IS REQUIRED.\n\n- 605B : FTC Identity Theft Report provided. CRA failed to block the tradeline within 4 business days as required. FTC report went unnoticed. This is non-compliance. IMMEDIATE DELETION IS REQUIRED.\n\n-Failure to conduct a reasonable investigation of disputes -Continuing to report inaccurate information after being notified -Relying solely on automated systems ( E-oscar ) without proper review.\n\n-Failure to delete unverifiable information False Furnishing Contradiction : - XXXX response states : XXXX XXXX XXXX XXXX owns the account. \n- XXXX response states : XXXX has neither purchased the debt nor received it through transfer of ownership. XXXX is only acting as a collector on behalf of XXXX. \n- Both can not be true. Furnisher reporting is contradictory, false, and impossible to reconcile. This constitutes knowingly furnishing false information. IMMEDIATE DELETION IS REQUIRED Evidence : Attached XXXX letter confirms they claim XXXX owns the account. \nAttached XXXX letter confirms they deny ownership or transfer. \nAttached FTC report was provided. Bureau failed to honor block within 4 days.\n\nNo entity has established ownership. Furnishing is false. Immediate Deletion required.\n\nDemand : This tradeline can not be updated or corrected. It must be deleted.\n\nI demand Immediate Deletion across all credit reporting agencies.\n\nCRA failure under 605B is documented. \nCRA failure under XXXX ( b ) is documented. \nFurnisher failure under XXXX is documented. \nXXXX Deletion is the only resolution. \nContinued furnishing constitutes willful noncompliance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-19T02:46:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60621","tags":null,"has_narrative":true,"complaint_id":"15386014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-19T02:15:05.000Z","state":"IL","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":["To : Transunion <em>Dispute</em> team, Re : Formal <em>Dispute</em> <em>Immediate</em> <em>Deletion</em> Required e-OSCAR Code : 112 ( Creditor Not Recognized ) This is a Metro 2 / FCRA <em>compliance</em> <em>dispute</em>. <em>IMMEDIATE</em> <em>DELETION</em> IS REQUIRED.\n\nMetro 2 Field Violations : - Field 11 ( <em>Account</em> Type ) is <em>reported</em> as Open. <em>XXXX</em> has confirmed in writing they do not own this <em>account</em>. Furnishing Open is false. <em>IMMEDIATE</em> <em>DELETION</em> IS REQUIRED.\n\n- Field 17 ( <em>Account</em> Status ) is <em>reported</em> with balance and open status."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[19.398724,"15386014"]},{"_index":"complaint-public-v1","_id":"9828045","_score":18.729248,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It XXXX Concern : I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised as a result of identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within XXXX business days of receiving this complaint, as mandated by XXXX XXXX XXXX ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX - XXXX - My information was compromised in the XXXX XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX XXXX - XXXX - My information was compromised in the XXXX XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXXXXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX XXXX - XXXX - My information was compromised in the XXXX XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXXXXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX XXXX XXXX  - My information was compromised in the XXXX XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXXXXXX XXXX XXXX - XX/XX/XXXX - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXXXXXX XXXX XXXX  - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX - XX/XX/XXXX XXXX to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX - XX/XX/XXXX XXXX to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX XXXX XXXX - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately.","date_sent_to_company":"2024-08-16T16:34:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11787","tags":null,"has_narrative":true,"complaint_id":"9828045","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-16T16:34:38.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The following items are <em>disputed</em> and must be addressed immediately : <em>XXXX</em> - <em>XXXX</em> - <em>XXXX</em> information was compromised in the <em>XXXX</em> data breach, and unrecognized, fraudulent items have appeared on my credit <em>report</em>. These undocumented claims are invalid and non-compliant with <em>reporting</em> standards. I request <em>immediate</em> <em>deletion</em> of these items and proof of <em>compliance</em> for this <em>account</em>, as the FTC is investigating."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[18.729248,"9828045"]},{"_index":"complaint-public-v1","_id":"9827791","_score":18.686476,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised as a result of identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX XXXX - XXXX - My information was compromised in the XXXX XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX  XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX  XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX  XXXX - XXXX - My information was compromised in the XXXX XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX - XXXX - XXXX information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX XXXXXXXX - XX/XX/XXXX - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX XXXX XXXXXXXX - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX XXXX XXXX - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX XXXX XXXX - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX - XX/XX/XXXX XXXX to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX - XX/XX/XXXX XXXX to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nEXPERIAN BUSINESS CRED - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately.","date_sent_to_company":"2024-08-16T16:34:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11787","tags":null,"has_narrative":true,"complaint_id":"9827791","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-16T16:28:04.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The following items are <em>disputed</em> and must be addressed immediately : <em>XXXX</em> - <em>XXXX</em> - My information was compromised in the <em>XXXX</em> data breach, and unrecognized, fraudulent items have appeared on my credit <em>report</em>. These undocumented claims are invalid and non-compliant with <em>reporting</em> standards. I request <em>immediate</em> <em>deletion</em> of these items and proof of <em>compliance</em> for this <em>account</em>, as the FTC is investigating."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[18.686476,"9827791"]},{"_index":"complaint-public-v1","_id":"9827721","_score":18.668034,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised as a result of identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within XXXX business days of receiving this complaint, as mandated by XXXX XXXX XXXX ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX - XXXX - XXXX information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX - XXXX - My information was compromised in the Equifax XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX XXXX - XXXX - My information was compromised in the Equifax XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXX/XX/XXXXXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX XXXX - XXXX - My information was compromised in the Equifax XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXX/XX/XXXX XXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXX/XX/XXXXXXXX - XXXX - My information was compromised in the Equifax XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX - XXXX - XXXX information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXX XXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. \n\nXXXXXX/XX/XXXXXXXX - XX/XX/XXXX - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXXXX/XX/XXXXXXXX - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXXXX/XX/XXXXXXXX - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXXXX/XX/XXXX XXXX - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX XXXX XXXX - XX/XX/XXXX Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately.","date_sent_to_company":"2024-08-16T16:34:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11787","tags":null,"has_narrative":true,"complaint_id":"9827721","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-16T16:34:38.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The following items are <em>disputed</em> and must be addressed immediately : <em>XXXX</em> - <em>XXXX</em> - <em>XXXX</em> information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit <em>report</em>. These undocumented claims are invalid and non-compliant with <em>reporting</em> standards. I request <em>immediate</em> <em>deletion</em> of these items and proof of <em>compliance</em> for this <em>account</em>, as the FTC is investigating."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[18.668034,"9827721"]},{"_index":"complaint-public-v1","_id":"13596806","_score":18.052847,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Deletion of Inaccurate Account Information Under XXXX XXXX Compliance To : Whom it may concern I am writing to formally dispute the reporting of the following account under XXXX XXXX compliance standards. The information provided by Transunion & Experian is inaccurate fails to meet XXXX XXXX guidelines and accuracy requirements, and as such, I am demanding immediate removal of the account from my credit report. \n\nThe disputed account details are as follows : Creditor : XXXX  XXXX  id # XXXX Never late and paid in full before the loan de date and Affirm receipts are attached Under XXXX XXXX XXXX, credit reporting agencies must ensure that all data furnished is accurate, complete, and compliant with industry standards. I have identified discrepancies and compliance violations within the reporting of this account, which make it eligible for immediate deletion. \n\nI demand that Experian & Transunion Conduct a XXXX XXXX compliance review of this account. Remove the account entirely due to its failure to meet the required accuracy and reporting standards. Provide written confirmation of the deletion within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). \n\nIf this request is not honored, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue further legal remedies as necessary. \n\nI expect prompt action on this matter and a full resolution within the legally required time by law","date_sent_to_company":"2025-05-20T00:35:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"13596806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-20T00:35:25.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Demand for <em>Deletion</em> of Inaccurate <em>Account</em> Information Under <em>XXXX</em> <em>XXXX</em> <em>Compliance</em> To : Whom it may concern I am writing to formally <em>dispute</em> the <em>reporting</em> of the following <em>account</em> under <em>XXXX</em> <em>XXXX</em> <em>compliance</em> standards. The information provided by Transunion & Experian is inaccurate fails to meet <em>XXXX</em> <em>XXXX</em> guidelines and accuracy requirements, and as such, I am demanding <em>immediate</em> removal of the <em>account</em> from my credit <em>report</em>."],"issue":["Incorrect information on your <em>report</em>"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[18.052847,"13596806"]},{"_index":"complaint-public-v1","_id":"13587236","_score":18.022398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Deletion of Inaccurate Account Information Under XXXX XXXX Compliance To : Whom it may concern I am writing to formally dispute the reporting of the following account under XXXX XXXX compliance standards. The information provided by Transunion & Experian is inaccurate fails to meet XXXX XXXX guidelines and accuracy requirements, and as such, I am demanding immediate removal of the account from my credit report. \n\nThe disputed account details are as follows : Creditor : XXXX  XXXX  id # XXXX Never late and paid in full before the loan de date and Affirm receipts are attached Under XXXX XXXX XXXX, credit reporting agencies must ensure that all data furnished is accurate, complete, and compliant with industry standards. I have identified discrepancies and compliance violations within the reporting of this account, which make it eligible for immediate deletion. \n\nI demand that Experian & Transunion Conduct a XXXX XXXX compliance review of this account. Remove the account entirely due to its failure to meet the required accuracy and reporting standards. Provide written confirmation of the deletion within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). \n\nIf this request is not honored, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue further legal remedies as necessary. \n\nI expect prompt action on this matter and a full resolution within the legally required time by law","date_sent_to_company":"2025-05-20T00:35:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"13587236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-20T00:14:27.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Demand for <em>Deletion</em> of Inaccurate <em>Account</em> Information Under <em>XXXX</em> <em>XXXX</em> <em>Compliance</em> To : Whom it may concern I am writing to formally <em>dispute</em> the <em>reporting</em> of the following <em>account</em> under <em>XXXX</em> <em>XXXX</em> <em>compliance</em> standards. The information provided by Transunion & Experian is inaccurate fails to meet <em>XXXX</em> <em>XXXX</em> guidelines and accuracy requirements, and as such, I am demanding <em>immediate</em> removal of the <em>account</em> from my credit <em>report</em>."],"issue":["Incorrect information on your <em>report</em>"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[18.022398,"13587236"]},{"_index":"complaint-public-v1","_id":"9588700","_score":18.001955,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to urgently request the deletion of inaccurately reported accounts on my credit report maintained by Equifax. This action is justified due to persistent inaccuracies and failure to comply with the Fair Credit Reporting Act ( FCRA ), despite my repeated efforts through multiple certified letters to Equifax and direct disputes filed with your bureau. \n\nDisputed Accounts Requiring Deletion : XXXX  XXXX Account ( XXXX ) WebBank/Fingerhut Account ( XXXX ) These accounts have been reported with significant errors in their status and balance, and despite my efforts to rectify these through proper channels, including numerous certified letters and disputes lodged directly with Equifax and through the CFPB, compliance has not been achieved. The continued reporting of these inaccuracies is detrimental to my financial standing and violates my consumer rights. \n\nKey Points of Non-Compliance and Request for Action : Repeated Disputes Ignored : I have sent multiple certified letters to Equifax and filed disputes with the CFPB, none of which have resulted in the correction of the erroneous entries. \nDemand for Deletion : Due to the ongoing non-compliance and lack of proper verification as required by FCRA and XXXX XXXX standards, I insist on the immediate deletion of these accounts from my credit report. \nLegal Notice : This letter serves as formal notice of these unresolved disputes and my intention to pursue further legal remedies if these inaccuracies are not corrected within the mandated timeframe of 30 days. \nI urge the CFPB to initiate an immediate investigation into these discrepancies and to enforce corrective measures on Equifax to amend my credit report as per federal requirements, specifically focusing on the deletion of these disputed entries. \n\nThank you for your prompt attention to this critical issue. I look forward to your confirmation of the receipt of this letter and a detailed response outlining the actions that will be taken.","date_sent_to_company":"2024-07-23T22:49:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89431","tags":null,"has_narrative":true,"complaint_id":"9588700","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-23T22:38:01.000Z","state":"NV","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Disputed</em> <em>Accounts</em> Requiring <em>Deletion</em> : <em>XXXX</em>  <em>XXXX</em> <em>Account</em> ( <em>XXXX</em> ) WebBank/Fingerhut <em>Account</em> ( <em>XXXX</em> ) These <em>accounts</em> have been <em>reported</em> with significant errors in their status and balance, and despite my efforts to rectify these through proper channels, including numerous certified letters and <em>disputes</em> lodged directly with Equifax and through the CFPB, <em>compliance</em> has not been achieved."],"issue":["Incorrect information on your <em>report</em>"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[18.001955,"9588700"]},{"_index":"complaint-public-v1","_id":"14153726","_score":17.447767,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX Compliance Dispute Letter XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian, I am disputing the accuracy and compliance of the following account under XXXX XXXX reporting guidelines and the FCRA. \nXXXX XXXX XXXX Account number XXXX This account must meet XXXX XXXX compliance for accuracy, completeness and verifiably I requesting proof of XXXX. Proof of compliance with XXXX XXXX guidelines. \nXXXX. Verification date of Last Activity 3. Immediate deletion of account if its inaccurate, unverifiable, or outdated. \nIf the account fails XXXX XXXX compliance, I demand its removal under XXXX. Please investigate and respond within 30 days as required by law.","date_sent_to_company":"2025-08-04T16:39:03.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"28027","tags":null,"has_narrative":true,"complaint_id":"14153726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WHEELS FINANCIAL GROUP, LLC.","date_received":"2025-06-18T16:48:47.000Z","state":"NC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Immediate</em> <em>deletion</em> of <em>account</em> if its inaccurate, unverifiable, or outdated. \nIf the <em>account</em> fails <em>XXXX</em> <em>XXXX</em> <em>compliance</em>, I demand its removal under <em>XXXX</em>. Please investigate and respond within 30 days as required by law."]},"sort":[17.447767,"14153726"]},{"_index":"complaint-public-v1","_id":"18246431","_score":17.439997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal demand for enforcement and immediate compliance regarding accounts previously submitted to the CFPB on XX/XX/year>. That submission included verified identity theft documentation, specifically a police report, government-issued identification, and proof of current address. \n\nThis matter is no longer a dispute. It is a documented compliance failure. \n\nDespite receipt of proper documentation, the following accounts remain inaccurately reported and unresolved : XXXX XXXX XXXX National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entities have failed to comply with their legal obligation to block and remove fraudulent or inaccurate information after verification. Continued reporting of these accounts constitutes a failure to comply with federal consumer protection requirements. \n\nI am not requesting negotiation, validation, or further investigation. I am demanding immediate enforcement and deletion. \n\nAccordingly, I demand the following actions without delay : XXXXmmediate and permanent deletion of all listed tradelines Notification to all consumer reporting agencies confirming deletion Cessation of all collection activity related to these accounts Written confirmation of compliance Failure to resolve this matter promptly will result in escalated regulatory complaints and pursuit of all available legal remedies for continued noncompliance. \n\nPlease treat this matter with the urgency and seriousness required by law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-23T15:05:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30044","tags":"Servicemember","has_narrative":true,"complaint_id":"18246431","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Adjusters, LLC","date_received":"2025-12-23T15:04:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This letter serves as a formal demand for enforcement and <em>immediate</em> <em>compliance</em> regarding <em>accounts</em> previously submitted to the CFPB on XX/XX/year>. That submission included verified identity theft documentation, specifically a police <em>report</em>, government-issued identification, and proof of current address. \n\nThis matter is no longer a <em>dispute</em>. It is a documented <em>compliance</em> failure."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[17.439997,"18246431"]},{"_index":"complaint-public-v1","_id":"13826241","_score":17.428547,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/scrub>XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Corporation XXXX XXXX XXXX Office Of The General Counsel XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL DISPUTE OF INACCURATE, UNVERIFIABLE, AND INCOMPLETE INFORMATIONDEMAND FOR IMMEDIATE DELETION AND STATUTORY DAMAGES I. NOTICE OF VIOLATIONS AND LEGAL DEMAND This letter serves as formal notice that your credit reporting file contains multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related federal consumer protection statutes. I hereby DISPUTE and DEMAND the immediate and permanent deletion of all inaccurate, incomplete, unverifiable, and outdated information identified herein II. STATUTORY AUTHORITY AND CONSUMER RIGHTS Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within thirty ( 30 ) days. Per FCRA 623 ( b ), furnishers must investigate and respond to disputes. Failure to comply subjects you to statutory damages of $ XXXX {$1000.00} per violation under FCRA 616, plus actual damages, punitive damages, and attorneys fees under FCRA 617.\n\nIII. SPECIFIC DISPUTES AND VIOLATIONS ACCOUNT XXXX : XXXX XXXX XXXX XXXX  Account Status : CLOSEDViolations : FCRA 605 ( a ) ( 4 ) - Reporting period violation : Account shows 4 years 2 months age while closed, potentially exceeding 7-year limit FCRA 623 ( a ) ( 2 ) - Incomplete furnishing : Missing date of first delinquency verification Demand : IMMEDIATE DELETION - Account is closed and potentially time-barred ACCOUNT 2 : XXXX XXXX XXXX Account Number : XXXX XXXX ( INCOMPLETE ) Violations : FCRA 623 ( a ) ( 1 ) - Incomplete account identification Metro 2 Compliance Failure - Partial account number violates furnishing standards FCRA 607 ( b ) - Incomplete consumer reporting information Demand : IMMEDIATE DELETION - Unverifiable due to incomplete data ACCOUNT XXXX : XXXX XXXX XXXX \nAccount Status : CLOSEDLast Payment : N/A ( INCOMPLETE REPORTING ) Violations : FCRA 623 ( a ) ( 2 ) - Incomplete payment history reporting Metro 2 Non-Compliance - Missing required payment amount data FCRA 605 ( a ) - Closed account retention beyond usefulness Demand : IMMEDIATE DELETION - Incomplete and unverifiable ACCOUNT 4 XXXX XXXX XXXX XXXX Violations : FCRA 623 ( a ) ( 1 ) - Incomplete account information visible FCRA 607 ( a ) - Insufficient identifying information Demand : COMPLETE VERIFICATION OR DELETION IV. CREDIT FILE STATUS VIOLATIONS Current Status : FRAUD_VICTIM_INITIAL_ALERT_V FILE_BLOCKED_FOR_PROMOTIONAL_PURPOSES SECURITY_FREEZE Violations : FCRA 605A - Improper fraud alert maintenance and notation FCRA 604 - File access restrictions improperly coded Demand : Correct file status coding immediately V. LEGAL DEMANDS AND REQUIREMENTS IMMEDIATE ACTIONS REQUIRED : 1. PERMANENT DELETION of all closed accounts identified above 2. COMPLETE VERIFICATION or deletion of incomplete account information 3. METHOD OF VERIFICATION ( MOV ) documentation for any accounts you claim to verify 4. WRITTEN CONFIRMATION of all deletions sent to my address above 5. UPDATED CREDIT REPORT reflecting all deletions within 5 business days VERIFICATION STANDARDS DEMANDED : Per FCRA 623 ( b ) ( 1 ), any reinvestigation must include : Original signed credit application or agreement Complete payment history from account inception Chain of title documentation for assigned accounts Verification of reporting period compliance Complete account numbers and identification data VI. NOTICE OF STATUTORY DAMAGES AND RECENT ENFORCEMENT RECENT CFPB ENFORCEMENT : Be advised that the Consumer Financial Protection Bureau recently ordered Equifax to pay a {$15.00} XXXX civil penalty for failing to properly investigate and resolve consumer disputes about inaccurate information on credit reports. CFPB Director XXXX XXXX stated : Equifax failed in its basic duty to investigate and resolve consumer disputes about inaccurate information on their credit reports. \nFCRA 616 - Willful Non-Compliance : $ XXXX {$1000.00} per violationFCRA 617 - Negligent Non-Compliance : Actual damages plus attorneys fees Your company processes approximately XXXX disputes each month and has demonstrated a pattern of inadequate investigations and flawed software systems that led to inaccurate consumer credit scores. This establishes a pattern of willful non-compliance that supports maximum statutory damages. \nIdentified Violations Subject to Damages : Incomplete account reporting : XXXX accounts = $ XXXX {$4000.00} Closed account over-retention : XXXX accounts = $ XXXX {$4000.00} File status coding errors : $ XXXX {$1000.00} TOTAL POTENTIAL DAMAGES : $ XXXX {$9000.00} XXXX. THIRTY-DAY COMPLIANCE DEMAND You have thirty ( 30 ) days from receipt of this letter to : 1. Delete all disputed information that can not be completely verified 2. Provide written confirmation of deletions to my address 3. Furnish updated credit report showing deletions 4. Provide MOV documentation for any information you claim to verify FAILURE TO COMPLY will result in : Federal court action for FCRA violations Demand for maximum statutory damages Claims for punitive damages and attorneys fees State consumer protection law violations VIII. NO PARTIAL COMPLIANCE ACCEPTED This dispute demands COMPLETE DELETION of all accounts identified. Partial verification, continued reporting of incomplete information, or cosmetic changes are NOT ACCEPTABLE and will be considered continued willful violation of federal law. \nIX. PRESERVATION OF RIGHTS This letter preserves all rights under federal and state law. No action or inaction on your part will be construed as waiver of my rights to pursue all available legal remedies. \nX. RESPONSE REQUIREMENTS ALL WRITTEN RESPONSES must be sent to : XXXX XXXX XXXX XXXX XXXX  XXXX Response must include : Written confirmation of deletions Updated credit report MOV documentation ( if claiming verification ) Contact information for further correspondence DEMAND FOR IMMEDIATE COMPLIANCE I expect full compliance within the statutory timeframe. Failure to properly address these violations will result in appropriate legal action to enforce my rights under federal consumer protection laws. \nRespectfully submitted, XXXX XXXXXXXX XXXX XXXX ENCLOSURES : Copy of drivers license Copy of Social Security card Copy of utility bill ( address verification ) Copy of credit report pages showing disputed accounts","date_sent_to_company":"2025-06-01T00:33:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"713XX","tags":null,"has_narrative":true,"complaint_id":"13826241","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-01T00:00:39.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( a ) ( 1 ) - Incomplete <em>account</em> identification Metro 2 <em>Compliance</em> Failure - Partial <em>account</em> number violates furnishing standards FCRA 607 ( b ) - Incomplete consumer <em>reporting</em> information Demand : <em>IMMEDIATE</em> <em>DELETION</em> - Unverifiable due to incomplete data <em>ACCOUNT</em> <em>XXXX</em> : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \n<em>Account</em> Status : CLOSEDLast Payment : N/A ( INCOMPLETE <em>REPORTING</em> ) Violations : FCRA 623 ( a ) ( 2 ) - Incomplete payment history <em>reporting</em> Metro 2 Non-<em>Compliance</em> - Missing required payment amount data FCRA 605 ( a"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.428547,"13826241"]},{"_index":"complaint-public-v1","_id":"12391683","_score":17.2778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Got it! Ill create a powerful dispute letter for Civility ( non-compliance ) regarding inaccurate or unverifiable information on your credit report. \n\n\n\n[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX AZ, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Formal Dispute for Non-Compliance Request for Immediate Deletion of Inaccurate Information Dear [ XXXX ] I am writing to formally dispute and demand the removal of an item currently being reported on my credit file. After reviewing my credit report, I discovered that there is an entry associated with Civility that I believe is inaccurate, unverified, and in violation of federal compliance laws under the Fair Credit Reporting Act ( FCRA ).\n\nAccording to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information contained in their credit report, the credit reporting agency must conduct a proper investigation and verify the information within 30 days. If the creditor fails to provide verifiable proof of the debt or item within that time frame, the item must be permanently deleted from my credit file.\n\nAt this time, Civility has failed to provide verifiable documentation proving the validity of the debt in compliance with the FCRA, which constitutes a clear non-compliance issue. Therefore, I am demanding the immediate deletion of this account from my credit report as required by law.\n\nI am requesting that you : Immediately delete the Civility account from my credit report due to their failure to comply with federal guidelines.\n\nProvide me with written confirmation of the deletion once it has been completed.\n\nFailure to comply with this request will result in me escalating this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing legal action for willful non-compliance under 15 U.S. Code 1681n.\n\nThank you for your prompt attention to this matter. Please send written confirmation of the deletion within 30 days of receiving this letter. Should you have any questions or require additional information, I can be reached at the contact information provided above. \n\nSincerely, [ XXXX XXXX ]","date_sent_to_company":"2025-03-09T07:20:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85301","tags":null,"has_narrative":true,"complaint_id":"12391683","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-09T07:19:55.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Ill create a powerful <em>dispute</em> letter for Civility ( non-<em>compliance</em> ) regarding inaccurate or unverifiable information on your credit <em>report</em>. \n\n\n\n[ <em>XXXX</em> <em>XXXX</em> ] [ <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ] [ <em>XXXX</em> AZ, <em>XXXX</em> ] [ <em>XXXX</em> ] [ <em>XXXX</em> ] [ XX/XX/year> ] Subject : Formal <em>Dispute</em> for Non-<em>Compliance</em> Request for <em>Immediate</em> <em>Deletion</em> of Inaccurate Information Dear [ <em>XXXX</em> ] I am writing to formally <em>dispute</em> and demand the removal of an item currently being <em>reported</em> on my credit file."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.2778,"12391683"]},{"_index":"complaint-public-v1","_id":"12390862","_score":17.2778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Got it! Ill create a powerful dispute letter for Civility ( non-compliance ) regarding inaccurate or unverifiable information on your credit report. \n\n\n\n[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX AZ, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Formal Dispute for Non-Compliance Request for Immediate Deletion of Inaccurate Information Dear [ XXXX ] I am writing to formally dispute and demand the removal of an item currently being reported on my credit file. After reviewing my credit report, I discovered that there is an entry associated with Civility that I believe is inaccurate, unverified, and in violation of federal compliance laws under the Fair Credit Reporting Act ( FCRA ).\n\nAccording to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information contained in their credit report, the credit reporting agency must conduct a proper investigation and verify the information within 30 days. If the creditor fails to provide verifiable proof of the debt or item within that time frame, the item must be permanently deleted from my credit file.\n\nAt this time, Civility has failed to provide verifiable documentation proving the validity of the debt in compliance with the FCRA, which constitutes a clear non-compliance issue. Therefore, I am demanding the immediate deletion of this account from my credit report as required by law.\n\nI am requesting that you : Immediately delete the Civility account from my credit report due to their failure to comply with federal guidelines.\n\nProvide me with written confirmation of the deletion once it has been completed.\n\nFailure to comply with this request will result in me escalating this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing legal action for willful non-compliance under 15 U.S. Code 1681n.\n\nThank you for your prompt attention to this matter. Please send written confirmation of the deletion within 30 days of receiving this letter. Should you have any questions or require additional information, I can be reached at the contact information provided above. \n\nSincerely, [ XXXX XXXX ]","date_sent_to_company":"2025-03-09T07:20:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85301","tags":null,"has_narrative":true,"complaint_id":"12390862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-09T06:39:07.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Ill create a powerful <em>dispute</em> letter for Civility ( non-<em>compliance</em> ) regarding inaccurate or unverifiable information on your credit <em>report</em>. \n\n\n\n[ <em>XXXX</em> <em>XXXX</em> ] [ <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ] [ <em>XXXX</em> AZ, <em>XXXX</em> ] [ <em>XXXX</em> ] [ <em>XXXX</em> ] [ XX/XX/year> ] Subject : Formal <em>Dispute</em> for Non-<em>Compliance</em> Request for <em>Immediate</em> <em>Deletion</em> of Inaccurate Information Dear [ <em>XXXX</em> ] I am writing to formally <em>dispute</em> and demand the removal of an item currently being <em>reported</em> on my credit file."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.2778,"12390862"]},{"_index":"complaint-public-v1","_id":"12390544","_score":17.2778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Got it! Ill create a powerful dispute letter for Civility ( non-compliance ) regarding inaccurate or unverifiable information on your credit report. \n\n\n\n[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX AZ, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Formal Dispute for Non-Compliance Request for Immediate Deletion of Inaccurate Information Dear [ XXXX ] I am writing to formally dispute and demand the removal of an item currently being reported on my credit file. After reviewing my credit report, I discovered that there is an entry associated with Civility that I believe is inaccurate, unverified, and in violation of federal compliance laws under the Fair Credit Reporting Act ( FCRA ).\n\nAccording to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information contained in their credit report, the credit reporting agency must conduct a proper investigation and verify the information within 30 days. If the creditor fails to provide verifiable proof of the debt or item within that time frame, the item must be permanently deleted from my credit file.\n\nAt this time, Civility has failed to provide verifiable documentation proving the validity of the debt in compliance with the FCRA, which constitutes a clear non-compliance issue. Therefore, I am demanding the immediate deletion of this account from my credit report as required by law.\n\nI am requesting that you : Immediately delete the Civility account from my credit report due to their failure to comply with federal guidelines.\n\nProvide me with written confirmation of the deletion once it has been completed.\n\nFailure to comply with this request will result in me escalating this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing legal action for willful non-compliance under 15 U.S. Code 1681n.\n\nThank you for your prompt attention to this matter. Please send written confirmation of the deletion within 30 days of receiving this letter. Should you have any questions or require additional information, I can be reached at the contact information provided above. \n\nSincerely, [ XXXX XXXX ]","date_sent_to_company":"2025-03-09T07:20:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85301","tags":null,"has_narrative":true,"complaint_id":"12390544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-09T07:19:55.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Ill create a powerful <em>dispute</em> letter for Civility ( non-<em>compliance</em> ) regarding inaccurate or unverifiable information on your credit <em>report</em>. \n\n\n\n[ <em>XXXX</em> <em>XXXX</em> ] [ <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ] [ <em>XXXX</em> AZ, <em>XXXX</em> ] [ <em>XXXX</em> ] [ <em>XXXX</em> ] [ XX/XX/year> ] Subject : Formal <em>Dispute</em> for Non-<em>Compliance</em> Request for <em>Immediate</em> <em>Deletion</em> of Inaccurate Information Dear [ <em>XXXX</em> ] I am writing to formally <em>dispute</em> and demand the removal of an item currently being <em>reported</em> on my credit file."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.2778,"12390544"]},{"_index":"complaint-public-v1","_id":"10728946","_score":17.247253,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the charged-off auto loan account with account number [ XXXX ] on my credit report. This account has been reported inaccurately and is in violation of XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ). I demand its immediate deletion from my report. \n\nNon-Compliance and Inaccuracies Include : Incorrect reporting of the Date of First Delinquency ( DOFD ). \nMisleading charge-off status and balance amounts. \nInaccurate closed status without clear verification. \n\nIf these items are not deleted within 30 days, I will proceed with a lawsuit for willful non-compliance with FCRA and XXXX XXXX standards, seeking damages for the harm caused by this inaccurate reporting. \n\nThis is my final demand for deletion. Any failure to respond with full compliance will leave me no choice but to take legal action. I have consistently disputed to resolve the issue before taking legal action the credit bureaus state that it was verified and updated but that cant be true because with proper investigation they wouldve realized this account shouldnt be reporting on my credit report.","date_sent_to_company":"2024-11-08T15:30:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23227","tags":null,"has_narrative":true,"complaint_id":"10728946","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-08T14:47:30.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I am <em>disputing</em> the charged-off auto loan <em>account</em> with <em>account</em> number [ <em>XXXX</em> ] on my credit <em>report</em>. This <em>account</em> has been <em>reported</em> inaccurately and is in violation of <em>XXXX</em> <em>XXXX</em> <em>compliance</em> standards and the Fair Credit <em>Reporting</em> Act ( FCRA ). I demand its <em>immediate</em> <em>deletion</em> from my <em>report</em>. \n\nNon-<em>Compliance</em> and Inaccuracies Include : Incorrect <em>reporting</em> of the Date of First Delinquency ( DOFD ). \nMisleading charge-off status and balance amounts."],"sub_issue":["Problem with personal statement of <em>dispute</em>"]},"sort":[17.247253,"10728946"]},{"_index":"complaint-public-v1","_id":"9379345","_score":17.239079,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Subject : Immediate XXXX  XXXX Compliance Dispute and Demand for Deletion of Account # XXXX Dear LVNV Funding LLC, I am writing to formally dispute and demand the immediate deletion of inaccurate and damaging information regarding my account ( # XXXX ) as reported to the major credit bureaus. The current reporting violates XXXX XXXX format standards and my rights under the Fair Credit Reporting Act ( FCRA ), specifically CFPB 1006.34 ( b ) ( 4 ). \n\nSpecific Issues : Account Status and Payment History : The account is inaccurately reported as \" Open '' and \" Late 120 Days '' on XXXX, contradicting the \" Collection/Chargeoff '' status reported on XXXX. This inconsistency must be corrected to accurately reflect the account 's true status. \n\nNumber of Months ( Terms ) : There is a discrepancy with XXXX reporting \" XXXX '' month as the term, while XXXX reports \" XXXX '' months. This inconsistency needs immediate clarification and correction. \n\nDate Last Active and Date of Last Payment : Conflicting dates between bureaus ( e.g., \" XX/XX/XXXX '' and \" XX/XX/XXXX '' ) require clarification and accurate reporting. \n\nComments and Dispute Resolution : The reported comments, including \" Customer disputed account '' and \" Consumer disputes this account information, '' are inaccurate and misleading. These comments should be removed promptly as they do not accurately reflect my dispute status. \n\nDue to these substantial inaccuracies and their negative impact on my creditworthiness, I demand the immediate deletion of this erroneous account information from all credit bureau records. Under FCRA regulations and CFPB 1006.34 ( b ) ( 4 ), I assert my right to accurate reporting and request that LVNV Funding LLC complies with this demand without delay. \n\nFailure to promptly delete this inaccurate information will compel me to escalate this matter further, including filing complaints with regulatory agencies and pursuing legal remedies against LVNV Funding LLC for non-compliance with FCRA regulations. \n\nPlease provide written confirmation of the deletion and documentation verifying the removal of this erroneous account information from all credit bureau records. \n\nThank you for your immediate attention to this critical matter. I expect a response confirming the deletion within the legally mandated timeframe. \n\nSincerely, XXXX XXXX XXXX XX/XX/XXXX","date_sent_to_company":"2024-06-29T00:51:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95361","tags":null,"has_narrative":true,"complaint_id":"9379345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-06-29T00:42:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, CA <em>XXXX</em> Date of Birth : XX/XX/<em>XXXX</em> LVNV Funding LLC c/o Resurgent Capital Services <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, SC <em>XXXX</em> Subject : <em>Immediate</em> <em>XXXX</em>  <em>XXXX</em> <em>Compliance</em> <em>Dispute</em> and Demand for <em>Deletion</em> of <em>Account</em> # <em>XXXX</em> Dear LVNV Funding LLC, I am writing to formally <em>dispute</em> and demand the <em>immediate</em> <em>deletion</em> of inaccurate and damaging information regarding my <em>account</em> ( # <em>XXXX</em> ) as <em>reported</em> to the major credit bureaus."],"issue":["Incorrect information on your <em>report</em>"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[17.239079,"9379345"]},{"_index":"complaint-public-v1","_id":"15175663","_score":17.196175,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Failure to Provide Legally Compliant Validation Demand for Deletion Under FCRA, FDCPA, and Metro 2 To Whom It May Concern, This is a formal response to the companys claim that documentation was mailed on XX/XX/XXXX, despite my ongoing dispute and request for proper validation and compliance. While the company alleges that they mailed documents via U.S. Mail, the following points illustrate noncompliance with federal laws and reporting guidelines, thereby requiring the immediate deletion of this tradeline from all consumer reporting agencies : Legal Violations and Basis for Deletion 15 U.S. Code 1681i ( FCRA ) Reinvestigation of Disputed Information A consumer has the right to dispute inaccurate or unverifiable information. If the furnisher can not verify with documented evidence the accuracy and ownership of the debt within 30 days, the information must be deleted. A claim that mail was sent does not constitute validation or verification. No actual evidence or full documentation has been provided to me. 15 U.S. Code 1692g ( FDCPA ) Debt Validation Requirement When a consumer disputes a debt, the collector must provide : A copy of the original signed contract or agreement. A complete accounting and breakdown of the alleged debt. Proof that the agency has the legal right to collect. A simple notice allegedly mailed, without proof of content and delivery ( i.e., green card signature or USPS tracking ), is not sufficient under federal law. Metro 2 Compliance ( Credit Reporting Format Standard ) If an account is in dispute, it must be marked as such with Compliance Condition Code XXXX XXXX XXXX until the dispute is resolved. Failure to do so is a compliance violation, and inaccurate or unverifiable data must be deleted. XXXX XXXX : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Credit bureaus must perform more than a cursory investigation. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX FCRA requires accuracy, and failure to investigate thoroughly or to maintain accurate records warrants deletion. Demand for Immediate Action Given the companys failure to : Provide verifiable documentation of the debt, show proof of actual delivery or receipt of any mailed materials, provide a full investigation and documented evidence under 15 USC 1681i, Comply with Metro 2 and FDCPA debt validation protocols, I demand the immediate deletion of the account from all consumer reporting agencies as required by law. If the information is not removed, I will escalate this matter with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) And consider seeking redress in federal court for willful noncompliance under 15 U.S. Code 1681n and 1681o. \nRespectfully, XXXX XXXX","date_sent_to_company":"2025-08-08T13:15:49.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"60544","tags":null,"has_narrative":true,"complaint_id":"15175663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rent Recovery Solutions","date_received":"2025-08-08T13:12:15.000Z","state":"IL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Metro 2 <em>Compliance</em> ( Credit <em>Reporting</em> Format Standard ) If an <em>account</em> is in <em>dispute</em>, it must be marked as such with <em>Compliance</em> Condition Code <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> until the <em>dispute</em> is resolved. Failure to do so is a <em>compliance</em> violation, and inaccurate or unverifiable data must be deleted. <em>XXXX</em> <em>XXXX</em> : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> <em>XXXX</em> XXXXXXXX ) Credit bureaus must perform more than a cursory investigation."]},"sort":[17.196175,"15175663"]},{"_index":"complaint-public-v1","_id":"14985407","_score":17.136606,"_source":{"product":"Debt collection","complaint_what_happened":"To : Experian Dispute department XXXX XXXX XXXX XXXX, TX. XXXX Transunion XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Formal dispute for deletion - FCRA Section 602 : Congressional findings and statement of purpose, FCRA Section 607 : Compliance procedures, FCRA Section 609 : Disclosures to consumers, FCRA Section 611 : Procedure in case of disputed accuracy, FCRA Section 623 : Responsibilities of furnishers of information to consumer reporting agencies.\n\nTo whom it may concern, I am writing to formally dispute and demand the immediate deletion of inaccurate, unverifiabe, and non compliant account being reported under my consumer profile. The Following debt buyer is reporting an account that violates multiple sections of the FCRA. \n\n* LVNV funding LLC ( address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NV XXXX ) This account is appearing on my credit report without full legal compliance, original contracts, or proper chain of custody verification. I am requesting full deletion, not correction, of the account listed based on the following legal and procedural deficiencies FCRA Violations : FCRA Section 602 : You are legally required to provide a complete method of verification, including full account history, the original signed application, and the complete chain of ownership from the original creditor. This was never provided.\n\nFCRA Section 611 : Credit bureaus are required to reinvestigate disputed information with in 30 days. if this account can not be verified with\noriginal source documentation, they must be deleted.\n\nI have reason to believe that re aging and data manipulation may be occuring - re aging a debt without proof is a serious federal violation under FCRA.\n\nAs a result I demand the following : immediate deletion of any account reported by the above mentioned company.\n\nFull removal from all 3 credit bureaus A copy of my updated credit report. \n\nI expect this dispute to be resolved within XXXX  days. \n\nThank you for your time and compliance XXXX XXXX","date_sent_to_company":"2025-07-31T01:18:21.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"206XX","tags":null,"has_narrative":true,"complaint_id":"14985407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-07-31T01:08:56.000Z","state":"MD","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["To whom it may concern, I am writing to formally <em>dispute</em> and demand the <em>immediate</em> <em>deletion</em> of inaccurate, unverifiabe, and non compliant <em>account</em> being <em>reported</em> under my consumer profile. The Following debt buyer is <em>reporting</em> an <em>account</em> that violates multiple sections of the FCRA."]},"sort":[17.136606,"14985407"]},{"_index":"complaint-public-v1","_id":"17375183","_score":17.126575,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"INCORRECT REPORTING NOTICE IMMEDIATE DELETION REQUIRED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/year> Date : Today Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute & Demand for Immediate Deletion XXXX Account # XXXX ( Reported Charge-Off ) I am formally disputing the accuracy, completeness, and legal compliance of the XXXX account XXXX under Account # XXXX on my Experian credit report. This account contains multiple reporting violations, making it unverified, inaccurate, and legally required to be deleted immediately.\n\n1. Inconsistent and Contradictory Reporting Late payments are reported after account closure, which is impossible. This violates FCRA 607 ( b ).\n\n2. Account Shows Consumer Dispute s but Negative Data Continues Experian can not continue reporting disputed negative information without full verification under FCRA 611 ( a ).\n\n3. Payment History Conflicts With Charge-Off Timeline Payment grid shows inaccurate data across multiple months.\n\n4. Verified Victim of the XXXX  Data Breach Additional verification is required under FCRA identity theft provisions due to compromised identity. \nDEMAND FOR ACTION I request immediate deletion of this account due to inaccurate, unverifiable, and contradictory reporting. \nIf Experian can not produce original-creditor documentation validating each data point within 30 days, federal law requires deletion. \nRequested Resolution : Permanent deletion of XXXX Account # XXXX Please send an updated copy of my corrected report. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-19T10:17:27.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"75460","tags":null,"has_narrative":true,"complaint_id":"17375183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-19T10:09:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["INCORRECT <em>REPORTING</em> NOTICE <em>IMMEDIATE</em> <em>DELETION</em> REQUIRED XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX : XX/XX/year> Date : Today Experian XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX Re : Formal <em>Dispute</em> & Demand for <em>Immediate</em> <em>Deletion</em> <em>XXXX</em> <em>Account</em> # <em>XXXX</em> ( <em>Reported</em> Charge-Off ) I am formally <em>disputing</em> the accuracy, completeness, and legal <em>compliance</em> of the <em>XXXX</em> <em>account</em> <em>XXXX</em> under <em>Account</em> # <em>XXXX</em> on my Experian credit <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[17.126575,"17375183"]},{"_index":"complaint-public-v1","_id":"17229302","_score":17.014812,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX Subject : Dispute of Fraudulent Accounts and Request for Immediate Deletion Due to XXXX  Data Breach Exposure To Whom It May Concern : I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX  data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, I demand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : ACCOUNTS : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Basis for My Dispute XXXX. Violation of XXXX U.S.C. XXXX ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within XXXX  days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. \nXXXX. Violation of XXXX U.S.C. XXXX XXXX ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non compliance with federal law. \nXXXX. XXXX XXXX Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX million individuals, is well documented. As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. \nConsequences of Non -- Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under XXXX U.S.C. XXXX -- XXXX ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information. \n\nInitiating legal proceedings to seek statutory and punitive damages for willful non -- compliance under XXXX U.S.C. XXXX and negligent non -- compliance under XXXX U.S.C. XXXX. \n\nReporting your non -- compliance to state Attorney XXXX offices, as consumer protection laws vary by state. \nMy Demands XXXX. Immediate Deletion of Fraudulent Items : I demand that the disputed accounts be permanently deleted from my credit profile without delay. \nXXXX. Verification of Remaining Accounts : Provide written proof that all remaining accounts have been verified as legitimate under FCRA guidelines. \nXXXX. Confirmation of Deletion : Provide a formal letter within 30 days confirming the deletion of the fraudulent accounts and any related inquiries.","date_sent_to_company":"2025-11-13T15:26:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90270","tags":null,"has_narrative":true,"complaint_id":"17229302","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-13T15:21:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["TransUnion LLC Consumer <em>Dispute</em> Center <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Subject : <em>Dispute</em> of Fraudulent <em>Accounts</em> and Request for <em>Immediate</em> <em>Deletion</em> Due to <em>XXXX</em>  Data Breach Exposure To Whom It May Concern : I am writing to formally <em>dispute</em> the accuracy and legitimacy of certain items listed on my credit <em>report</em> under my rights as outlined in the Fair Credit <em>Reporting</em> Act ( FCRA ), specifically 15 U.S.C. 1681 et seq."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[17.014812,"17229302"]},{"_index":"complaint-public-v1","_id":"14095067","_score":17.002708,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary for CFPB Submission Subject : URGENT Equifax Refusing to Block Fraudulent Closed Accounts per FCRA 1681c-2 I am a victim of identity theft and submitted a formal dispute to Equifax, along with : FTC Identity Theft Report Police Report Proof of identity and address Despite full compliance, Equifax is unlawfully continuing to report the following fraudulent CLOSED accounts, in violation of FCRA 1681c-2 which mandates deletion within 4 business days : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX This continued reporting is damaging and illegal. I am demanding immediate deletion and request that the CFPB take enforcement action to compel Equifaxs compliance.","date_sent_to_company":"2025-06-16T21:04:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33179","tags":null,"has_narrative":true,"complaint_id":"14095067","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-16T21:01:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I am demanding <em>immediate</em> <em>deletion</em> and request that the CFPB take enforcement action to compel Equifaxs <em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[17.002708,"14095067"]},{"_index":"complaint-public-v1","_id":"17230081","_score":16.980726,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX : Dispute of Fraudulent Accounts and Request for Immediate Deletion Due to XXXX  Data Breach Exposure To Whom It May Concern : I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX  data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, I demand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : ACCOUNTS : XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. \nXXXX. Violation of 15 U.S.C. 1681c 2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The XXXX  data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non compliance with federal law. \nXXXX. XXXX  's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is well documented. As the affected party, my data was compromised through no fault of my own, and I hold XXXX  and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. \nConsequences of Non -- Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681s -- 2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information. \n\nInitiating legal proceedings to seek statutory and punitive damages for willful non -- compliance under 15 U.S.C. 1681n and negligent non -- compliance under 15 U.S.C. 1681o.\n\nReporting your non -- compliance to state Attorney Generals offices, as consumer protection laws vary by state. \nMy Demands 1. Immediate Deletion of Fraudulent Items : I demand that the disputed accounts be permanently deleted from my credit profile without delay.\n\n2. Verification of Remaining Accounts : Provide written proof that all remaining accounts have been verified as legitimate under FCRA guidelines. \nXXXX. Confirmation of Deletion : Provide a formal letter within 30 days confirming the deletion of the fraudulent accounts and any related inquiries.","date_sent_to_company":"2025-11-13T15:09:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21216","tags":null,"has_narrative":true,"complaint_id":"17230081","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-13T15:05:07.000Z","state":"MD","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":["TransUnion LLC Consumer <em>Dispute</em> Center <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : <em>Dispute</em> of Fraudulent <em>Accounts</em> and Request for <em>Immediate</em> <em>Deletion</em> Due to <em>XXXX</em>  Data Breach Exposure To Whom It May Concern : I am writing to formally <em>dispute</em> the accuracy and legitimacy of certain items listed on my credit <em>report</em> under my rights as outlined in the Fair Credit <em>Reporting</em> Act ( FCRA ), specifically 15 U.S.C. 1681 et seq."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.980726,"17230081"]},{"_index":"complaint-public-v1","_id":"10737263","_score":16.969524,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the charged-off auto loan account with account number [ XXXX ] on my credit report. This account has been reported inaccurately and is in violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). I demand its immediate deletion from my report.\n\nNon-Compliance and Inaccuracies Include : Incorrect reporting of the Date of First Delinquency ( DOFD ).\n\nMisleading charge-off status and balance amounts.\n\nInaccurate closed status without clear verification.\n\nIf these items are not deleted within 30 days, I will proceed with a lawsuit for willful non-compliance with FCRA and Metro 2 standards, seeking damages for the harm caused by this inaccurate reporting. \n\nThis is my final demand for deletion. Any failure to respond with full compliance will leave me no choice but to take legal action. I have consistently disputed to resolve the issue before taking legal action the credit bureaus state that it was verified and updated but that cant be true because with proper investigation they wouldve realized this account shouldnt be reporting on my credit report.","date_sent_to_company":"2024-11-08T15:30:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23227","tags":null,"has_narrative":true,"complaint_id":"10737263","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-08T15:30:15.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I am <em>disputing</em> the charged-off auto loan <em>account</em> with <em>account</em> number [ <em>XXXX</em> ] on my credit <em>report</em>. This <em>account</em> has been <em>reported</em> inaccurately and is in violation of Metro 2 <em>compliance</em> standards and the Fair Credit <em>Reporting</em> Act ( FCRA ). I demand its <em>immediate</em> <em>deletion</em> from my <em>report</em>.\n\nNon-<em>Compliance</em> and Inaccuracies Include : Incorrect <em>reporting</em> of the Date of First Delinquency ( DOFD ).\n\nMisleading charge-off status and balance amounts.\n\nInaccurate closed status without clear verification."],"sub_issue":["Problem with personal statement of <em>dispute</em>"]},"sort":[16.969524,"10737263"]},{"_index":"complaint-public-v1","_id":"17229970","_score":16.955448,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX : Dispute of Fraudulent Accounts and Request for Immediate Deletion Due to XXXX Data Breach Exposure To Whom It May Concern : I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX  data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, I demand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : ACCOUNTS : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Basis for My Dispute XXXX. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within XXXX  days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. \nXXXX. Violation of 15 U.S.C. 1681c 2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The XXXX  data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non compliance with federal law. \nXXXX. XXXXXXXX XXXX Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is well documented. As the affected party, my data was compromised through no fault of my own, and I hold XXXX and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. \nConsequences of Non -- Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681s -- 2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information. \n\nInitiating legal proceedings to seek statutory and punitive damages for willful non -- compliance under 15 U.S.C. 1681n and negligent non -- compliance under 15 U.S.C. 1681o.\n\nReporting your non -- compliance to state Attorney Generals offices, as consumer protection laws vary by state. \nMy Demands XXXX. Immediate Deletion of Fraudulent Items : I demand that the disputed accounts be permanently deleted from my credit profile without delay. \nXXXX. Verification of Remaining Accounts : Provide written proof that all remaining accounts have been verified as legitimate under FCRA guidelines. \nXXXX. Confirmation of Deletion : Provide a formal letter within XXXX  days confirming the deletion of the fraudulent accounts and any related inquiries.","date_sent_to_company":"2025-11-13T15:03:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30260","tags":null,"has_narrative":true,"complaint_id":"17229970","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-13T14:58:55.000Z","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":["TransUnion LLC Consumer <em>Dispute</em> Center <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> : <em>Dispute</em> of Fraudulent <em>Accounts</em> and Request for <em>Immediate</em> <em>Deletion</em> Due to <em>XXXX</em> Data Breach Exposure To Whom It May Concern : I am writing to formally <em>dispute</em> the accuracy and legitimacy of certain items listed on my credit <em>report</em> under my rights as outlined in the Fair Credit <em>Reporting</em> Act ( FCRA ), specifically 15 U.S.C. 1681 et seq."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.955448,"17229970"]},{"_index":"complaint-public-v1","_id":"17230559","_score":16.944603,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX Subject : Dispute of Fraudulent Accounts and Request for Immediate Deletion Due to XXXX Data Breach Exposure To Whom It May Concern : I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, I demand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. \n2. Violation of 15 U.S.C. 1681c 2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The XXXX  data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non compliance with federal law. \n3. XXXX XXXX Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is well documented. As the affected party, my data was compromised through no fault of my own, and I hold XXXX and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. \nConsequences of Non -- Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681s -- 2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information. \n\nInitiating legal proceedings to seek statutory and punitive damages for willful non -- compliance under 15 U.S.C. 1681n and negligent non -- compliance under 15 U.S.C. 1681o. \n\nReporting your non -- compliance to state Attorney Generals offices, as consumer protection laws vary by state. \nMy Demands 1. Immediate Deletion of Fraudulent Items : I demand that the disputed accounts be permanently deleted from my credit profile without delay. \n2. Verification of Remaining Accounts : Provide written proof that all remaining accounts have been verified as legitimate under FCRA guidelines. \n3. Confirmation of Deletion : Provide a formal letter within 30 days confirming the deletion of the fraudulent accounts and any related inquiries.","date_sent_to_company":"2025-11-13T14:50:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"662XX","tags":null,"has_narrative":true,"complaint_id":"17230559","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-13T14:45:21.000Z","state":"KS","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":["TransUnion LLC Consumer <em>Dispute</em> Center <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Subject : <em>Dispute</em> of Fraudulent <em>Accounts</em> and Request for <em>Immediate</em> <em>Deletion</em> Due to <em>XXXX</em> Data Breach Exposure To Whom It May Concern : I am writing to formally <em>dispute</em> the accuracy and legitimacy of certain items listed on my credit <em>report</em> under my rights as outlined in the Fair Credit <em>Reporting</em> Act ( FCRA ), specifically 15 U.S.C. 1681 et seq."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.944603,"17230559"]},{"_index":"complaint-public-v1","_id":"10604909","_score":16.933758,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Negative Accounts Request for Deletion for Non-Compliance and Inaccuracies Name on Report : XXXX XXXX Social Security Number ( Last XXXX Digits ) : XXXX Dear Sir or Madam, I am writing to formally dispute the negative accounts reported on my credit report by XXXX XXXX XXXX, Jefferson Capital, and XXXX XXXX XXXX. These accounts are inaccurately reported, and I am requesting their immediate deletion from my credit report due to their failure to meet compliance standards as outlined in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX guidelines. \n\nPlease find the accounts in question below : XXXX XXXX XXXX XXXX : {$720.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX Jefferson Capital Balance : {$540.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : Jefferson Capital XXXX XXXX XXXX Balance : {$460.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX These entries are damaging my credit report and, upon review, may contain inaccuracies or reporting issues inconsistent with the XXXX XXXX  compliance standards. I request that each of these accounts be thoroughly investigated, verified, and, if non-compliant or unverifiable, immediately removed from my credit file. \n\nActions Requested : Verification of Compliance : Confirm that all aspects of these accounts are fully compliant with XXXX XXXX standards, including the reporting of balance, status, dates, and creditor information. \nDeletion of Unverifiable Accounts : If these accounts can not be verified as accurate or compliant with all applicable standards, I request their immediate deletion from my credit report.\n\nWritten Confirmation : Please provide written confirmation that these items have been investigated and, if appropriate, removed from my credit report.\n\nIn compliance with 15 U.S.C. 1681i, I request that you complete this investigation within the legally required 30-day timeframe and provide me with an updated copy of my credit report showing these corrections.\n\nThank you for your immediate attention to this matter. I look forward to a prompt resolution and verification of these corrections. \n\nSincerely, XXXX XXXX Phone Number : XXXX Email Address : XXXX XXXX","date_sent_to_company":"2024-10-28T18:20:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27407","tags":null,"has_narrative":true,"complaint_id":"10604909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-10-28T18:20:51.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Dispute</em> of Negative <em>Accounts</em> Request for <em>Deletion</em> for Non-<em>Compliance</em> and Inaccuracies Name on <em>Report</em> : <em>XXXX</em> <em>XXXX</em> Social Security Number ( Last <em>XXXX</em> Digits ) : <em>XXXX</em> Dear Sir or Madam, I am writing to formally <em>dispute</em> the negative <em>accounts</em> <em>reported</em> on my credit <em>report</em> by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, Jefferson Capital, and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.933758,"10604909"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":12801,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":12801}]}},"product":{"doc_count":12801,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":11567,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":11523},{"key":"Other personal consumer report","doc_count":44}]}},{"key":"Debt 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