{"took":336,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3849,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11454932","_score":16.164827,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Carvant Financial LLC, I am writing to formally address the insufficient response I have received regarding my request for complete and accurate verification of the debt associated with my account. While you have sent a copy of the contract containing my signature, this alone does not satisfy my request for comprehensive documentation to verify the debts accuracy. \n\nSpecifically, I have requested the following additional documents to ensure the accuracy and legitimacy of this matter : 1. A copy of the IRS Form 1099-C ( if the debt has been charged off or forgiven ).\n\n2. Any and all supporting documents or account statements that verify the current balance, payments made, and any charges applied.\n\n3. A clear explanation or breakdown of the debts origin, including itemized details of how the balance was calculated. \n\nAs the original creditor, you are obligated to provide me with all relevant documentation to ensure the accuracy of your records. Sending only the contract with my signature does not constitute proper verification, and your continued failure to provide the requested information is unacceptable. \n\nI have sent multiple requests for different documents, and I have proof of each submission. However, each time, I have received the same inadequate response. Your repeated failure to provide the requested documentation demonstrates a lack of good faith and non-compliance with my rights as a consumer. \n\nAdditionally, I have noticed duplicate messages submitted by you through the Consumer Financial Protection Bureau ( CFPB ), falsely claiming that I have sent duplicate disputes. This is categorically untrue and further raises concerns about your handling of this matter. \n\nIf you fail to comply with this request within 30 days, I will take the following actions : 1. Pursue legal action against Carvant Financial LLC for non-compliance with federal and state laws.\n\n2. Submit a non-compliance report to the appropriate state Department of Motor Vehicles ( DMV ) if this debt is not removed.\n\nThis letter serves as a formal record of your non-compliance and my intent to escalate this matter if it is not resolved promptly. I urge you to provide all requested documents immediately to avoid further action. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-09T16:59:47.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"33570","tags":null,"has_narrative":true,"complaint_id":"11454932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARVANT FINANCIAL LLC","date_received":"2025-01-09T16:56:22.000Z","state":"FL","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Dear Carvant Financial LLC, I am writing to <em>formally</em> address the insufficient response I have received regarding my request for complete and accurate <em>verification</em> of the debt associated with my account. While you have <em>sent</em> a copy of the contract containing my signature, this alone does not satisfy my request for comprehensive <em>documentation</em> to <em>verify</em> the debts accuracy. \n\nSpecifically, I have requested the following additional documents to ensure the accuracy and legitimacy of this matter : 1."],"sub_issue":["Didn't receive enough information to <em>verify</em> debt"]},"sort":[16.164827,"11454932"]},{"_index":"complaint-public-v1","_id":"12452169","_score":15.625402,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I formally disputed an inaccurate account on my Equifax credit report on XX/XX/year> and requested proper verification under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. Despite my good faith efforts, Equifax has failed to provide legally required documentation to support the reported information. First Dispute Sent I requested verification of the account under FCRA 609 ( a ) ( 1 ), asking for a copy of any original signed contract proving I am responsible for this debt. Equifax Verified the Account However, they failed to provide supporting documentation, violating FCRA 611, which requires credit bureaus to conduct a meaningful investigation. Second Dispute Sent I followed up, demanding physical proof that Equifax obtained verification directly from the furnisher. Equifax responded with the same verification response but still failed to provide actual proof. Account Remains Inaccurate Equifax has not conducted a proper investigation and continues to report inaccurate, unverified, and potentially re-aged information.","date_sent_to_company":"2025-03-12T10:43:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23602","tags":null,"has_narrative":true,"complaint_id":"12452169","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-12T10:18:59.000Z","state":"VA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>formally</em> disputed an inaccurate account on my Equifax credit report on XX/XX/year> and requested proper <em>verification</em> under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX <em>compliance</em> guidelines. Despite my good faith efforts, Equifax has failed to provide legally required <em>documentation</em> to support the reported information."]},"sort":[15.625402,"12452169"]},{"_index":"complaint-public-v1","_id":"2577355","_score":15.57983,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax is in violation of FCRA Section 623 and FCRA Section 611 Part ( A ) ( 1 ).\nOn   XXXX    XXXX , 2017, Equifax signed for a certified letter that I sent formally challenging the accuracy, compliance and reportability of information on my credit report regarding   XXXX   accounts from   XXXX   XXXX   Student Ln. I requested them to validate this information and provide me with copies of any documentation bearing my signature. I also notified them that I was aware of FCRA Section 611 ( a ) ( 1 ) ( A ) and that I would be keeping records INCLUDING their method of verification and that I do not consent to   XXXX   or any means of automated verification.\nOn   XXXX   XXXX  , I received an updated copy of my credit report with no changes and a simple statement that the account was \" verified. '' There was no documentation of this verification, including no documentation of my signature or proof that these alleged accounts were mine.\nOn   XXXX    XXXX , 2017, Equifax signed for another certified letter I sent advising them that I was formally requesting a description of the procedure used to determine the accuracy and completeness of the information, and that it should be provided within 15 days of the completion of the reinvestigation. I requested the name, address, and telephone number of each person they contacted regarding these alleged accounts.\nToday is   XXXX    XXXX , 2017 and I have not received the documentation from the original request of   XXXX   XXXX  , nor have I received the documentation from the 2nd request of   XXXX   XXXX  . It has been beyond 30 days, as required by law, for the investigation to be complete.","date_sent_to_company":"2017-07-17T23:51:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76904","tags":"Servicemember","has_narrative":true,"complaint_id":"2577355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-17T22:46:58.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On   XXXX    XXXX , 2017, Equifax signed for a certified letter that I <em>sent</em> <em>formally</em> challenging the accuracy, <em>compliance</em> and reportability of information on my credit report regarding   XXXX   accounts from   XXXX   XXXX   Student Ln. I requested them to validate this information and provide me with copies of any <em>documentation</em> bearing my signature."]},"sort":[15.57983,"2577355"]},{"_index":"complaint-public-v1","_id":"13601689","_score":15.491329,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against TransUnion FCRA 611, 609, and XXXX XXXX Compliance Violations Dear CFPB Officer, I am filing this formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance reporting standards. \nXXXX. XXXX XXXX  Account Reinsertion Violation A XXXX account was previously disputed and removed from my TransUnion credit report around XXXX XXXX XXXX. However, the same account ( or a variation of it ) reappeared between XXXX XXXX XXXX, without any notice being sent to me within five business days.\n\nThis is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ), which requires TransUnion to notify the consumer when any previously deleted item is reinserted into the file. I received no such notice. This reinsertion is illegal without proper documentation and timely consumer notice. \nXXXX XXXX XXXX XXXX Account Repeated Verification Without Proof Additionally, an account reported by XXXX XXXX XXXX, opened on XX/XX/year>, has been disputed multiple times with TransUnion. Despite these disputes, TransUnion continues to mark the account as verified without providing any actual proof of validation or underlying documentation. \n\nThis violates : FCRA 611 ( a ) Failure to properly reinvestigate disputed items.\n\nFCRA 609 ( a ) ( 1 ) Failure to provide verification or the method of verification. \nXXXX XXXX Compliance Guidelines Continued reporting of disputed, unverified data violates proper dispute handling procedures.","date_sent_to_company":"2025-05-19T17:38:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48213","tags":null,"has_narrative":true,"complaint_id":"13601689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-19T17:27:07.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["FCRA 609 ( a ) ( 1 ) Failure to provide <em>verification</em> or the method of <em>verification</em>. \nXXXX XXXX <em>Compliance</em> Guidelines Continued reporting of disputed, unverified data violates proper dispute handling procedures."]},"sort":[15.491329,"13601689"]},{"_index":"complaint-public-v1","_id":"3475575","_score":15.223398,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Whereas Lexis Nexis has not properly investigated, or reported information properly and according to the Fair Credit Reporting Act. \nCorrespondence and Dispute sent XX/XX/XXXX regarding A Bankruptcy reporting with source as Hawaii Federal Bankruptcy Court XXXX on XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing and requested verification providing me with copies of any documentation bearing my signature. In the absence of such documentation I formally requested the item be deleted from the credit file. Nexis Lexis Responded with a form letter simply stating Verified from the Hawaii Federal Bankruptcy Court XXXX. \n2nd Correspondence and Dispute sent XX/XX/XXXX requesting Lexis Nexis provide me a description of the procedure use to determine the accuracy and completeness of this information verified including the name, address, and telephone number of each person contacted regarding this listing. Again, I requested documentation bearing my signature and that any further automated response from lexis nexis or e-oscar verification was unacceptable. Nexis Lexis responded with the same form letter as the last one simply stating verified without any of the information I requested and am entitled. \nI contacted this court in Hawaii and they provided me a letter stating they do not provide any information to credit bureaus. I have sent this letter to Lexis Nexis and that mere fact proves they are inaccurately reporting information on my credit report as they continue to report their source of verification as the Court.","date_sent_to_company":"2019-12-27T17:29:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"64157","tags":null,"has_narrative":true,"complaint_id":"3475575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2019-12-23T03:37:33.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Correspondence and Dispute <em>sent</em> XX/XX/XXXX regarding A Bankruptcy reporting with source as Hawaii Federal Bankruptcy Court XXXX on XX/XX/XXXX. I challenged the accuracy, <em>compliance</em> and reportability of this listing and requested <em>verification</em> providing me with copies of any <em>documentation</em> bearing my signature. In the absence of such <em>documentation</em> I <em>formally</em> requested the item be deleted from the credit file."]},"sort":[15.223398,"3475575"]},{"_index":"complaint-public-v1","_id":"16432631","_score":15.07586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing a charge-off account reported by J.P. Morgan Chase Auto that appears inaccurately on my credit reports with Experian and TransUnion.\n\nI have already contacted both credit bureaus and sent formal dispute letters, including a Metro 2 compliance letter and a Section 609 request for verification. The bureaus responded that the account was verified as accurate, but they did not provide any documentation, proof of investigation, or method of verification as required by the Fair Credit Reporting Act ( FCRA 611 ).\n\nI also contacted J.P. Morgan Chase directly but did not receive the original contract, payment history, or any evidence validating the reported information. Without proper documentation, this account should not continue to be reported.\n\nI believe this information is being reported inaccurately and without complete verification, which is damaging my credit profile. I am asking the CFPB to investigate and ensure that J.P. Morgan Chase and the credit bureaus comply with FCRA standards","date_sent_to_company":"2025-10-21T20:26:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"160XX","tags":null,"has_narrative":true,"complaint_id":"16432631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-08T04:14:44.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have already contacted both credit bureaus and <em>sent</em> <em>formal</em> dispute letters, including a Metro 2 <em>compliance</em> letter and a Section 609 request for <em>verification</em>. The bureaus responded that the account was <em>verified</em> as accurate, but they did not provide any <em>documentation</em>, proof of investigation, or method of <em>verification</em> as required by the Fair Credit Reporting Act ( FCRA 611 ).\n\nI also contacted J.P."]},"sort":[15.07586,"16432631"]},{"_index":"complaint-public-v1","_id":"3255405","_score":14.92602,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The company claims verification of an item on my credit report. I sent letter on XX/XX/19 requesting they provide documentation associated with the account, bearing my signature. I also requested name, address and phone number of each person who personally verified the account. I do not agree to XXXX or any means of automated verification. I am requesting description of procedure to determine accuracy in compliance with The Fair Credit Reporting Act. Also, states item was reported by US Bankruptcy court. The US Bankruptcy court does not report to credit bureaus. I formally request that this information be immediately deleted form the file you maintain under my social security number. I have not received an answer to date of filing this complaint.","date_sent_to_company":"2019-05-28T16:48:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20721","tags":"Servicemember","has_narrative":true,"complaint_id":"3255405","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-28T16:27:03.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The company claims <em>verification</em> of an item on my credit report. I <em>sent</em> letter on XX/XX/19 requesting they provide <em>documentation</em> associated with the account, bearing my signature. I also requested name, address and phone number of each person who personally <em>verified</em> the account. I do not agree to XXXX or any means of automated <em>verification</em>. I am requesting description of procedure to determine accuracy in <em>compliance</em> with The Fair Credit Reporting Act."]},"sort":[14.92602,"3255405"]},{"_index":"complaint-public-v1","_id":"13857065","_score":14.913303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Reporting of Inaccurate Credit Information by TransUnion Summary of Complaint : I am submitting this formal complaint because TransUnion has reported inaccurate and unverifiable information on my credit report. Despite submitting a formal dispute under the Fair Credit Reporting Act ( FCRA ), TransUnion has not resolved the issue or provided any legally compliant justification or documentation as required by law. \n\nAccounts in Dispute : XXXX. XXXX XXXX ( Account ending in XXXX ) : Reported late payment in XX/XX/XXXX, which is inaccurate. \nXXXX. XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Reported late payment in XX/XX/XXXX, which is inaccurate. \n\nLegal Grounds : TransUnion is in violation of the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) : Failure to conduct a proper investigation upon receiving a formal dispute. \n15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.\n\nI also requested the following per Metro-2 compliance standards and have not received a response within the required 30-day timeframe : Method of Verification ( MOV ) for both accounts.\n\nCompliance Condition Code ( CMI ) used to verify these accounts. \nValidation documentation from XXXX XXXX and XXXX XXXX. \nCopies of all communication between TransUnion and the creditors. \n\nRequested Resolution : I request the CFPB to investigate TransUnions failure to meet its legal obligations and compel them to : Immediately delete the inaccurate negative entries from my credit report.\n\nProvide full documentation or verification methods as legally required. \nCease any further reporting of this unverifiable information. \n\nAttachments : A copy of the formal dispute letter sent to TransUnion dated XXXX XXXX","date_sent_to_company":"2025-06-03T17:16:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"13857065","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-03T17:06:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Attachments : A copy of the <em>formal</em> dispute letter <em>sent</em> to TransUnion dated XXXX XXXX"]},"sort":[14.913303,"13857065"]},{"_index":"complaint-public-v1","_id":"2736148","_score":14.838764,"_source":{"product":"Student loan","complaint_what_happened":"I filed a dispute sent through certified mail with XXXX XXXXXXXX on XX/XX/XXXX because I was informed about negative information reported by \" XXXX XXXX XXXXXXXX. '' that stated to validate this information with \" XXXX XXXX XXXX/XXXX '' and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit file maintained under my Social Security number. All 3 student loans listed with a reported balance is {$0.00} but still reporting negatively. I received a reply from XXXX XXXX on XX/XX/XXXX, which is within the 30 days to complete the investigation as per the FCRA verifying the information as accurate but no documentation bearing my signature in which I requested. Next, I sent another letter through certified mail to XXXX, XXXX on XX/XX/XXXX stating to provide a reinvestigation within fifteen ( 15 ) days of completion. Also, additionally to please provide the name, address, and telephone number of each person contacted regarding this alleged account and again to formally request a copy of any documents provided bearing my signature. I 've also reminded them of the \" XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. Cal. XX/XX/XXXX ), they may be liable for your willful non-compliance. I received a reply from XXXX, XXXX on XX/XX/XXXX, which is within the 15 days to complete the reinvestigation verifying the information as accurate but again for the second time no documentation bearing my signature for these student loans that I formally requested.","date_sent_to_company":"2017-11-22T05:47:25.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"21117","tags":null,"has_narrative":true,"complaint_id":"2736148","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-11-22T04:22:57.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I received a reply from XXXX, XXXX on XX/XX/XXXX, which is within the 15 days to complete the reinvestigation <em>verifying</em> the information as accurate but again for the second time no <em>documentation</em> bearing my signature for these student loans that I <em>formally</em> requested."]},"sort":[14.838764,"2736148"]},{"_index":"complaint-public-v1","_id":"16849458","_score":14.837187,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal direct dispute to CIG Financial on XX/XX/year>, regarding inaccurate credit reporting ( Account # XXXX ). The dispute was sent via certified mail and clearly requested documentation and investigation under FCRA 1681s-2 ( b ).\n\nCIG Financial failed to respond within the 30-day period required by law, and I did not receive any communication or documentation from them. This constitutes a violation of the FCRA, and they have forfeited the opportunity to verify or correct the account.\n\nTherefore, a fair resolution is for CIG Financial to immediately instruct all credit bureaus including XXXX, XXXX, and XXXX  to permanently delete this account from my credit file. I am also requesting that the CFPB monitor their compliance as a data furnisher going forward.","date_sent_to_company":"2025-10-27T16:53:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80112","tags":null,"has_narrative":true,"complaint_id":"16849458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CIG FINANCIAL LLC","date_received":"2025-10-27T16:47:07.000Z","state":"CO","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I submitted a <em>formal</em> direct dispute to CIG Financial on XX/XX/year>, regarding inaccurate credit reporting ( Account # XXXX ). The dispute was <em>sent</em> via certified mail and clearly requested <em>documentation</em> and investigation under FCRA 1681s-2 ( b ).\n\nCIG Financial failed to respond within the 30-day period required by law, and I did not receive any communication or <em>documentation</em> from them."]},"sort":[14.837187,"16849458"]},{"_index":"complaint-public-v1","_id":"12991384","_score":14.743056,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>, I sent a dispute letter to XXXX  regarding the National Credit System Account Number : XXXX. Under the Fair Credit Reporting Act ( XXXX  ) XXXX U.S. Code XXXX ( a ), XXXX  was required to conduct a reasonable investigation and respond within XXXX  days with accurate information verifying the account. However, XXXX  failed to provide a proper response or any accurate documentation supporting the validity of this account. Due to XXXX non-compliance with the FCRA, I am formally requesting the immediate deletion of this account from my credit report.","date_sent_to_company":"2025-06-03T18:58:51.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"39046","tags":null,"has_narrative":true,"complaint_id":"12991384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-04-16T00:11:29.000Z","state":"MS","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Due to XXXX non-<em>compliance</em> with the FCRA, I am <em>formally</em> requesting the immediate deletion of this account from my credit report."]},"sort":[14.743056,"12991384"]},{"_index":"complaint-public-v1","_id":"13963276","_score":14.647638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have disputed every negative account reporting across all three credit bureaus Experian, Equifax, and TransUnion repeatedly since 2020. These disputes have been sent via certified mail, including formal Method of Verification ( MOV ) requests, and were supported by compliance software that identified all score impacting data for automated disputing. Despite these efforts, the same negative accounts remain, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. These CRAs have repeatedly verified inaccurate or unverifiable data, including accounts already discharged in bankruptcy, re-aged debts, and derogatories with no lawful documentation ever produced. This is a willful, multi-year pattern of FCRA noncompliance.","date_sent_to_company":"2025-06-08T07:22:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46324","tags":null,"has_narrative":true,"complaint_id":"13963276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-08T07:21:29.000Z","state":"IN","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["These disputes have been <em>sent</em> via certified mail, including <em>formal</em> Method of <em>Verification</em> ( MOV ) requests, and were supported by <em>compliance</em> software that identified all score impacting data for automated disputing. Despite these efforts, the same negative accounts remain, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others."]},"sort":[14.647638,"13963276"]},{"_index":"complaint-public-v1","_id":"13963277","_score":14.634523,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have disputed every negative account reporting across all three credit bureaus Experian, Equifax, and TransUnion repeatedly since 2020. These disputes have been sent via certified mail, including formal Method of Verification ( MOV ) requests, and were supported by compliance software that identified all score impacting data for automated disputing. Despite these efforts, the same negative accounts remain, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. These CRAs have repeatedly verified inaccurate or unverifiable data, including accounts already discharged in bankruptcy, re-aged debts, and derogatories with no lawful documentation ever produced. This is a willful, multi-year pattern of FCRA noncompliance.","date_sent_to_company":"2025-06-08T07:22:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46324","tags":null,"has_narrative":true,"complaint_id":"13963277","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-08T07:21:29.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["These disputes have been <em>sent</em> via certified mail, including <em>formal</em> Method of <em>Verification</em> ( MOV ) requests, and were supported by <em>compliance</em> software that identified all score impacting data for automated disputing. Despite these efforts, the same negative accounts remain, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others."]},"sort":[14.634523,"13963277"]},{"_index":"complaint-public-v1","_id":"16831609","_score":14.630214,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint is filed by XXXX XXXX XXXX, XXXX, authorized representative of consumer XXXX XXXX, regarding SHELLPOINT MORTGAGEs failure to provide verification of disputed account information. Despite a formal dispute sent on XX/XX/year>, and a follow-up letter, SHELLPOINT MORTGAGE has not produced the required documentation or explained how the reported account was verified as accurate. This lack of response violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to conduct a reasonable investigation and provide proof of accuracy. The consumer, through his authorized representative XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, requests that SHELLPOINT MORTGAGE either submit proper verification documents or immediately remove the inaccurate account from all three credit bureaus to ensure compliance with federal law. SHELLPOINT MORTGAGE XXXX","date_sent_to_company":"2025-11-04T15:10:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Conventional home mortgage","zip_code":"115XX","tags":null,"has_narrative":true,"complaint_id":"16831609","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-10-27T04:25:31.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This complaint is filed by XXXX XXXX XXXX, XXXX, authorized representative of consumer XXXX XXXX, regarding SHELLPOINT MORTGAGEs failure to provide <em>verification</em> of disputed account information. Despite a <em>formal</em> dispute <em>sent</em> on XX/XX/year>, and a follow-up letter, SHELLPOINT MORTGAGE has not produced the required <em>documentation</em> or explained how the reported account was <em>verified</em> as accurate."]},"sort":[14.630214,"16831609"]},{"_index":"complaint-public-v1","_id":"16831777","_score":14.6297245,"_source":{"product":"Credit card","complaint_what_happened":"This complaint is filed by XXXX XXXX XXXX, XXXX, authorized representative of consumer XXXX XXXX, regarding Ally Financials failure to provide verification of disputed account information. Despite a formal dispute sent on XX/XX/year>, and a follow-up letter, Ally Financial has not produced the required documentation or explained how the reported account was verified as accurate. This lack of response violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to conduct a reasonable investigation and provide proof of accuracy. The consumer, through his authorized representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, requests that Ally Financial either submit proper verification documents or immediately remove the inaccurate account from all three credit bureaus to ensure compliance with federal law. ALLY FINANCIAL XXXX","date_sent_to_company":"2025-10-27T04:14:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"115XX","tags":null,"has_narrative":true,"complaint_id":"16831777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-10-27T04:10:22.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This complaint is filed by XXXX XXXX XXXX, XXXX, authorized representative of consumer XXXX XXXX, regarding Ally Financials failure to provide <em>verification</em> of disputed account information. Despite a <em>formal</em> dispute <em>sent</em> on XX/XX/year>, and a follow-up letter, Ally Financial has not produced the required <em>documentation</em> or explained how the reported account was <em>verified</em> as accurate."]},"sort":[14.6297245,"16831777"]},{"_index":"complaint-public-v1","_id":"11500899","_score":14.619652,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Prior Cfpb Complaint related to matters today. XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Equifax for Non-Compliance with the FCRA Dear CFPB, I am writing to file a formal complaint against Equifax for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting a bankruptcy on my credit report. Despite providing certified documentation proving the inaccuracy of this information, Equifax has failed to take appropriate corrective action. The details of my complaint are as follows : Reference Details : Reference Number : XXXX Public Record : XXXXXXXX XXXX XXXXXXXX Case Number : XXXX Summary of the Dispute : I, XXXX XXXX XXXX contacted the XXXX XXXX XXXX XXXXXXXX XXXX and received certified documentation verifying that the court does not share bankruptcy information with third-party agencies, including Equifax. This documentation, which clearly demonstrates that the information on my credit report is inaccurate, was sent to Equifax via certified mail and was confirmed as received. Despite this, Equifax has continued to report the bankruptcy and has responded to my dispute with the following statement : \" EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. EQUIFAX VERIFIED THAT THIS ITEM BELONGS. '' Equifaxs response fails to provide clarity on how they verified the information, particularly given the certified proof I provided that refutes their claim. This raises serious concerns about the validity of their verification process and their compliance with FCRA requirements. \n\nImpact of Equifaxs Inaccuracy : Equifaxs failure to correct this error has caused significant harm to my financial standing and personal well-being. The ongoing presence of this inaccurate bankruptcy record on my credit report has resulted in : Denials of credit applications Increased borrowing costs Damage to my financial reputation Attempts to Resolve : I have made XXXX formal attempts to resolve this matter directly with Equifax. Each time, I have provided certified documentation from the XXXX XXXX XXXX XXXX XXXX, yet Equifax has failed to take appropriate corrective action. \n\nRequest for Assistance : I respectfully request the CFPBs intervention to address Equifaxs non-compliance and ensure they : Provide a detailed explanation of how they verified the bankruptcy information in question. \n\nRemove the inaccurate bankruptcy information from my credit report. \n\nImplement measures to prevent similar inaccuracies and verification failures in the future. \n\nEquifaxs refusal to address this issue despite clear evidence of their error demonstrates a disregard for their obligations under the FCRA. I trust that the CFPB will hold Equifax accountable for its failure to maintain accurate and complete information on consumer credit reports. \n\nThank you for your attention to this matter. I am confident that with your assistance, this issue can be resolved promptly. Please feel free to contact me if you require additional documentation or have any questions. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-13T20:33:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"199XX","tags":null,"has_narrative":true,"complaint_id":"11500899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-13T20:26:29.000Z","state":"DE","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["This <em>documentation</em>, which clearly demonstrates that the information on my credit report is inaccurate, was <em>sent</em> to Equifax via certified mail and was confirmed as received. Despite this, Equifax has continued to report the bankruptcy and has responded to my dispute with the following statement : \" EQUIFAX <em>VERIFIED</em> THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY."]},"sort":[14.619652,"11500899"]},{"_index":"complaint-public-v1","_id":"20701263","_score":14.6103,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding a collection account being reported by I.C. System, Inc. that I have formally disputed and requested validation for.\n\nI sent a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA 809 ), requesting documentation to support the validity of this alleged debt. Specifically, I requested a copy of the original contract, billing statements, proof of assignment, and verification of the amount being reported.\n\nAs of this complaint, I.C. System has not provided any documentation verifying this debt. Despite this, the account continues to be reported on my credit report, which is inaccurate and unverified.\n\nAdditionally, this account has already been removed or is not reporting with another credit bureau after investigation, further demonstrating inconsistency and lack of proper verification.\n\nI.C. System is continuing to report this account without providing proper validation, which is a violation of federal law.\n\nI am requesting CFPB assistance to ensure compliance with the Fair Debt Collection Practices Act and Fair Credit Reporting Act.","date_sent_to_company":"2026-03-27T00:37:37.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"20701263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2026-03-27T00:27:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["System, Inc. that I have <em>formally</em> disputed and requested validation for.\n\nI <em>sent</em> a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA 809 ), requesting <em>documentation</em> to support the validity of this alleged debt. Specifically, I requested a copy of the original contract, billing statements, proof of assignment, and <em>verification</em> of the amount being reported.\n\nAs of this complaint, I.C. System has not provided any <em>documentation</em> <em>verifying</em> this debt."]},"sort":[14.6103,"20701263"]},{"_index":"complaint-public-v1","_id":"13060341","_score":14.5782585,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute an entry on my credit report that has been attributed to XXXX XXXX XXXX Credit Collection Services XXXX {$2800.00} Account XXXX. I recently became aware of this issue during the mortgage application process for a home purchasean extremely critical and time-sensitive financial transaction. \n\nThe report lists a debt allegedly owed to XXXX XXXX XXXX, yet I have never received any prior communication, billing, or verification of this debt. To this day, I have not received any documentation or explanation regarding the validity or origin of this amount. \n\nI am requesting immediate action to : Provide full documentation and a detailed explanation of the alleged debt, including the date of origination, services rendered, and any communications you claim to have sent to me. \n\nImmediately remove this item from my credit report if no such documentation or verification exists. \n\nCorrect any inaccurate reporting you have shared with credit bureaus, in compliance with the Fair Credit Reporting Act ( FCRA ).\n\nFailure to respond adequately to this complaint may result in further action, including filing formal disputes with the credit reporting agencies and lodging complaints with the Ga. State Attorney 's Office and other relevant state regulatory authorities. I have also filled a complaint with the XXXX. \n\nPlease consider this letter a formal dispute and request for investigation. I expect a response within 30 days of the date listed above.","date_sent_to_company":"2025-04-18T17:01:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"30078","tags":null,"has_narrative":true,"complaint_id":"13060341","timely":"No","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2025-04-18T16:48:34.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["To this day, I have not received any <em>documentation</em> or explanation regarding the validity or origin of this amount. \n\nI am requesting immediate action to : Provide full <em>documentation</em> and a detailed explanation of the alleged debt, including the date of origination, services rendered, and any communications you claim to have <em>sent</em> to me. \n\nImmediately remove this item from my credit report if no such <em>documentation</em> or <em>verification</em> exists."]},"sort":[14.5782585,"13060341"]},{"_index":"complaint-public-v1","_id":"14554815","_score":14.577948,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2025, I received a debt collection letter from Credence Resource Management regarding an alleged {$2900.00} debt to XXXX. On XX/XX/2025, I formally disputed the debt under the FDCPA and requested full validation, including proof of ownership and assignment, signed documentation, and an itemized breakdown. \n\nCredence delayed response until XX/XX/XXXX, when they sent a generic itemized bill from a non-disputes email with no legal documentation or proof the debt belonged to me. I responded that same day pointing out deficiencies. They replied only to say the account was \" marked as disputed. '' No additional documentation was ever provided. \n\nOn XX/XX/XXXX, I issued a final notice demanding compliance by XX/XX/XXXX. As of XX/XX/XXXX, no response was received. The 30-day validation window expired without proper verification.","date_sent_to_company":"2025-07-09T08:11:15.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"14225","tags":null,"has_narrative":true,"complaint_id":"14554815","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2025-07-09T07:10:47.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["They replied only to say the account was \" marked as disputed. '' No additional <em>documentation</em> was ever provided. \n\nOn XX/XX/XXXX, I issued a final notice demanding <em>compliance</em> by XX/XX/XXXX. As of XX/XX/XXXX, no response was received. The 30-day validation window expired without proper <em>verification</em>."],"sub_issue":["Didn't receive enough information to <em>verify</em> debt"]},"sort":[14.577948,"14554815"]},{"_index":"complaint-public-v1","_id":"14718262","_score":14.539731,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint because Southwest Recovery Services has failed to provide any verification or documentation supporting their claim of a debt allegedly owed by me. I sent them a formal validation request in XXXX and again on XX/XX/XXXX. Both letters were sent to dispute the alleged debt and to request all supporting documentation, including proof of assignment and compliance with state and federal laws. \n\nDespite my clear and lawful requests, Southwest Recovery has failed to provide any verification of this alleged debt. Instead, they falsely claimed in a previous CFPB response that documentation had been sent to me, when in fact, I have received nothing. \n\nUnder the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, the debt collector must cease collection efforts until they provide proper validation of the debt. Furthermore, failure to properly respond to a lawful dispute and continued collection activities, including reporting to credit bureaus without validation, is a violation of federal law.\n\nAdditionally, the Texas Finance Code 392 requires a debt collector to validate debts and maintain compliance with consumer protections in this state. This companys lack of response is a violation of both federal and Texas state law. If this matter is not resolved promptly, I intend to file a lawsuit under the FDCPA and Texas Debt Collection Act for : Failure to validate the debt ( 15 U.S.C. 1692g ( b ) ) Continued collection efforts without proper validation False or misleading statements ( XXXX5 U.S.C. 1692e ) Violations of Texas Finance Code 392 I am seeking not only correction of my records but damages, attorneys fees, and court costs as allowed by law. \n\nIve attached final letter that was sent","date_sent_to_company":"2025-07-17T15:00:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"14718262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southwest Recovery Services, Inc.","date_received":"2025-07-17T14:50:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am filing this complaint because Southwest Recovery Services has failed to provide any <em>verification</em> or <em>documentation</em> supporting their claim of a debt allegedly owed by me. I <em>sent</em> them a <em>formal</em> validation request in XXXX and again on XX/XX/XXXX. Both letters were <em>sent</em> to dispute the alleged debt and to request all supporting <em>documentation</em>, including proof of assignment and <em>compliance</em> with state and federal laws."]},"sort":[14.539731,"14718262"]},{"_index":"complaint-public-v1","_id":"11955510","_score":14.519465,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a formal complaint against Spring Oaks Spiral LLC regarding an account that has been inaccurately reported and for which I have not received the required validation documentation. \nI previously sent a debt validation letter to Spring Oaks Spiral LLC requesting verification of the debt, including a copy of any contract bearing my signature that establishes my liability. Despite my written request, the company has failed to provide a response within the legally required timeframe. This lack of response is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). \nAdditionally, the account in question contains inaccurate information, which further raises concerns about its validity. Given that the creditor has not substantiated the claim with appropriate documentation, I request the CFPBs intervention to ensure compliance with federal regulations. I am requesting the following actions : 1. A full investigation into Spring Oaks Spiral LLCs failure to provide the requested validation documents. \n2. Removal of the inaccurate account from my credit report due to non-compliance. \n3. A formal response from Spring Oaks Spiral LLC with all supporting documentation proving the legitimacy of this debt. \nI have attached copies of my original validation request and proof of mailing to support my claim. \nI appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this dispute and provide me with updates regarding the next steps.","date_sent_to_company":"2025-02-05T15:15:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"11955510","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-02-05T15:07:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am filing a <em>formal</em> complaint against Spring Oaks Spiral LLC regarding an account that has been inaccurately reported and for which I have not received the required validation <em>documentation</em>. \nI previously <em>sent</em> a debt validation letter to Spring Oaks Spiral LLC requesting <em>verification</em> of the debt, including a copy of any contract bearing my signature that establishes my liability. Despite my written request, the company has failed to provide a response within the legally required timeframe."]},"sort":[14.519465,"11955510"]},{"_index":"complaint-public-v1","_id":"13872657","_score":14.415303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Heres an example of how you can describe what happened : I disputed inaccurate information reported by Equifax on my credit report concerning an account with XXXX ending in XXXX. On XX/XX/year>, I sent a formal dispute letter to Equifax requesting a reinvestigation of the account under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards.\n\nIn my letter, I requested detailed information and documentation to verify the accuracy of the account, including the account opening date, payment history, balance, and any evidence used to verify the account 's accuracy, such as contracts or billing statements. I also provided copies of my identification and a utility bill to assist with the investigation.\n\nDespite my efforts, Equifax failed to provide the requested information or take appropriate action to verify or correct the account. As of [ insert date ], the account remains on my credit report, and I have not received the required documentation or a satisfactory response within the legally mandated 30-day timeframe. \n\nThis failure to investigate and verify the accuracy of the information violates the FCRA, FDCPA, and other applicable laws. I am requesting immediate action to resolve this matter by either verifying the accuracy of the account with proper documentation or removing the account from my credit report entirely.","date_sent_to_company":"2025-06-03T04:07:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"13872657","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-03T03:51:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I <em>sent</em> a <em>formal</em> dispute letter to Equifax requesting a reinvestigation of the account under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 <em>compliance</em> standards.\n\nIn my letter, I requested detailed information and <em>documentation</em> to <em>verify</em> the accuracy of the account, including the account opening date, payment history, balance, and any evidence used to <em>verify</em> the account 's accuracy, such as contracts or billing statements."]},"sort":[14.415303,"13872657"]},{"_index":"complaint-public-v1","_id":"16831775","_score":14.31448,"_source":{"product":"Credit card","complaint_what_happened":"This complaint is filed by XXXX XXXX XXXX, XXXX, authorized representative of consumer XXXX XXXX, regarding JPMCB - CARD SERVICEs failure to provide verification of disputed account information. Despite a formal dispute sent on XX/XX/year>, and a follow-up letter, JPMCB - CARD SERVICE has not produced the required documentation or explained how the reported account was verified as accurate. This lack of response violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to conduct a reasonable investigation and provide proof of accuracy. The consumer, through his authorized representative XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, requests that JPMCB - CARD SERVICE either submit proper verification documents or immediately remove the inaccurate account from all three credit bureaus to ensure compliance with federal law. JPMCB - CARD SERVICE XXXX","date_sent_to_company":"2025-11-04T15:05:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"115XX","tags":null,"has_narrative":true,"complaint_id":"16831775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-10-27T04:19:32.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This complaint is filed by XXXX XXXX XXXX, XXXX, authorized representative of consumer XXXX XXXX, regarding JPMCB - CARD SERVICEs failure to provide <em>verification</em> of disputed account information. Despite a <em>formal</em> dispute <em>sent</em> on XX/XX/year>, and a follow-up letter, JPMCB - CARD SERVICE has not produced the required <em>documentation</em> or explained how the reported account was <em>verified</em> as accurate."]},"sort":[14.31448,"16831775"]},{"_index":"complaint-public-v1","_id":"10987274","_score":14.280415,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am submitting this formal request to validate a debt pursued by L J ROSS & ASSOCIATES, referenced in their communication dated [ insert date ]. This submission is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.\n\nI dispute the validity of this debt and request that the debt collector provide the following documentation to validate their claim : Details of the Alleged Debt The name and contact information of the original creditor.\n\nA detailed itemization of the debt, including the original balance, all fees, interest, or other charges applied, and the current balance.\n\nProof of Collection Authority Documentation showing that L J ROSS & ASSOCIATES is authorized to collect this debt. \nA copy of the signed agreement or contract establishing the original obligation.\n\nVerification of My Responsibility Evidence demonstrating that I am responsible for this debt, including verification of my name, address, and any account numbers associated with the debt. \nLegal Compliance Copies of any judgments, if applicable. \nWritten confirmation that the debt has not been sold, transferred, or assigned since the original obligation was incurred. \nPer the FDCPA, I request that all collection efforts be paused until this validation is provided. Additionally, I request that future communication be conducted in writing and sent to the address listed above. \n\nThank you for addressing this matter promptly. I appreciate your assistance in ensuring compliance with federal regulations.","date_sent_to_company":"2024-12-02T01:03:29.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"106XX","tags":null,"has_narrative":true,"complaint_id":"10987274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LJ Ross Associates","date_received":"2024-12-02T01:00:00.000Z","state":"NY","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Proof of Collection Authority <em>Documentation</em> showing that L J ROSS & ASSOCIATES is authorized to collect this debt. \nA copy of the signed agreement or contract establishing the original obligation.\n\n<em>Verification</em> of My Responsibility Evidence demonstrating that I am responsible for this debt, including <em>verification</em> of my name, address, and any account numbers associated with the debt. \nLegal <em>Compliance</em> Copies of any judgments, if applicable."]},"sort":[14.280415,"10987274"]},{"_index":"complaint-public-v1","_id":"10638768","_score":14.279928,"_source":{"product":"Debt collection","complaint_what_happened":"In XX/XX/2024, I noticed a collection account from XXXX XXXX XXXX on my credit report, alleging I owed {$510.00} in back rent to my former apartment complex, XXXX XXXX XXXX. Upon my move-out, I had settled all balances, and no outstanding amount was due. I believe this collection is fraudulent and an overcharge. \n\nOn XX/XX/2024, I sent a formal letter to XXXX XXXX XXXX requesting verification of the debt under the Fair Credit Reporting Act ( FCRA ). After receiving no response, I followed up with another letter on XX/XX/2024, again requesting verification. To date, I have not received any communication or documentation substantiating the debt. \n\nIn addition, when I contacted XXXX XXXX Internationals help desk, I was informed that my requests had been received but that no verification could be provided. I was directed to contact their Compliance Department, which I have done twice without receiving any response. \n\nGiven the lack of verification and documentation, I am disputing this debt and requesting its immediate removal from my credit report.","date_sent_to_company":"2024-11-05T19:10:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"10012","tags":null,"has_narrative":true,"complaint_id":"10638768","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"T.S. Holdings","date_received":"2024-10-31T19:14:42.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["On XX/XX/2024, I <em>sent</em> a <em>formal</em> letter to XXXX XXXX XXXX requesting <em>verification</em> of the debt under the Fair Credit Reporting Act ( FCRA ). After receiving no response, I followed up with another letter on XX/XX/2024, again requesting <em>verification</em>. To date, I have not received any communication or <em>documentation</em> substantiating the debt. \n\nIn addition, when I contacted XXXX XXXX Internationals help desk, I was informed that my requests had been received but that no <em>verification</em> could be provided."]},"sort":[14.279928,"10638768"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3849,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3849}]}},"product":{"doc_count":3849,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2706,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2694},{"key":"Other personal consumer report","doc_count":12}]}},{"key":"Debt 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