{"took":102,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":20522,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16538117","_score":18.29527,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : 1. Dept OF EDXXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - K4/3 Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Experian immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:13:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16538117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-13T21:02:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This request is also in reference to <em>compliance</em> with Metro 2 <em>data</em> <em>reporting</em> standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the <em>accuracy</em>, completeness, and verifiability of the following accounts appearing on my XXXX <em>credit</em> <em>report</em>. Which strongly suggests non-<em>compliance</em> and <em>data</em> inconsistency, violating Metro 2 formatting and <em>FCRA</em> requirements for accurate, consistent, and verifiable <em>reporting</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[18.29527,"16538117"]},{"_index":"complaint-public-v1","_id":"11102231","_score":18.245457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request the method of verification ( MOV ) for specific items on my credit report, as authorized by 15 U.S.C. 1681i ( 7 ) under the Fair Credit Reporting Act ( FCRA ). In my prior ( 8 ) disputes, I challenged the accuracy of the following accounts on my credit report : 1. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXXXXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. \n\nXXXX. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXX XXXX Account Number : XXXX Remove this account due to non-compliance XXXX. This is a duplicate account reporting the same account number and different balance. FCRA violation. \nXXXX XXXX XXXX  Account Number : XXXX Remove this account due to non-compliance with the FCRA XXXX. You were notified that the payment history is inaccurate and failed to correct or verify this account. Stop reporting for FCRA non-compliance of inaccurate data furnished on the consumer report XXXX XXXX XXXX Account Number : XXXX Stop reporting for FCRA non-compliance of inaccurate data furnished on the consumer report","date_sent_to_company":"2024-12-10T18:36:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76001","tags":null,"has_narrative":true,"complaint_id":"11102231","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-10T18:33:29.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Stop <em>reporting</em> for <em>FCRA</em> non-<em>compliance</em> of inaccurate <em>data</em> furnished on the consumer <em>report</em> XXXX XXXX XXXX Account Number : XXXX Stop <em>reporting</em> for <em>FCRA</em> non-<em>compliance</em> of inaccurate <em>data</em> furnished on the consumer <em>report</em>"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[18.245457,"11102231"]},{"_index":"complaint-public-v1","_id":"12681016","_score":18.197134,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Dispute of Inaccurate Collection Account and Demand for Removal in Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following collection account reported on my credit file : Creditor Name : Sunrise Credit Services Account Number : XXXX Date Reported : XX/XX/year> Balance : {$78.00} Upon thorough review of my credit report, I identified that the above-referenced collection account contains inaccurate and/or unverifiable information, in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which mandates credit reporting agencies ( CRAs ) to maintain maximum possible accuracy in consumer reports. \nFCRA Violations and Legal Non-Compliance FCRA 1681b Permissible Purpose : This section requires that data furnishers and CRAs have a permissible purpose to report or access my credit file. If this collection account was reported without proper validation, it may constitute a violation. \n\nFCRA 1681i ( a ) Reinvestigation of Disputed Information : Under this section, you are required to conduct a reasonable investigation of the disputed item within XXXX  days of receiving this notice. Should the data furnishers fail to verify the accuracy or completeness of the information, it must be removed immediately. \n\nFCRA 1681s-2 ( b ) Duty of Data Furnishers : The data furnisher is required to conduct a proper investigation into disputes. Failure to do so constitutes non-compliance with the FCRA, making the continued reporting of this account illegal and subject to legal consequences. \n\nRecent Legal Precedent : Negligence in Compliance I would like to bring to your attention the recent lawsuits against XXXX and XXXX related to failure in maintaining compliance with FCRA regulations, resulting in substantial legal penalties. Their negligence in addressing inaccuracies and failing to properly investigate disputes demonstrates a pattern of non-compliance that can not be tolerated. \n\nAs a consumer, I am fully prepared to escalate this matter to legal counsel if you fail to comply with the FCRA regulations. Should you continue to report inaccurate information, you may be subject to legal action for damages under FCRA 1681n ( civil liability for willful noncompliance ) and FCRA 1681o ( civil liability for negligent noncompliance ).","date_sent_to_company":"2025-03-26T15:28:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"70454","tags":null,"has_narrative":true,"complaint_id":"12681016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNRISE CREDIT SERVICES, INC","date_received":"2025-03-26T15:14:37.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["inaccurate and/or unverifiable information, in direct violation of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) 1681e ( b ), which mandates <em>credit</em> <em>reporting</em> agencies ( CRAs ) to maintain maximum possible <em>accuracy</em> in consumer <em>reports</em>."],"company":["SUNRISE <em>CREDIT</em> SERVICES, INC"]},"sort":[18.197134,"12681016"]},{"_index":"complaint-public-v1","_id":"16536763","_score":18.138187,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - XXXX Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the Consumer Data Industry Association ( CDIA ). \n\nAlso, I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX  credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:26:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16536763","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-13T21:19:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This request is also in reference to <em>compliance</em> with Metro 2 <em>data</em> <em>reporting</em> standards as prescribed by the Consumer <em>Data</em> Industry Association ( CDIA ). \n\nAlso, I am disputing the <em>accuracy</em>, completeness, and verifiability of the following accounts appearing on my XXXX  <em>credit</em> <em>report</em>. Which strongly suggests non-<em>compliance</em> and <em>data</em> inconsistency, violating Metro 2 formatting and <em>FCRA</em> requirements for accurate, consistent, and verifiable <em>reporting</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[18.138187,"16536763"]},{"_index":"complaint-public-v1","_id":"8195460","_score":18.007122,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy!","date_sent_to_company":"2024-01-22T04:08:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93312","tags":null,"has_narrative":true,"complaint_id":"8195460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-22T04:08:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You can document your verification process for all the <em>data</em> within my <em>credit</em> <em>report</em> by following these standards set forth under Metro 2 <em>compliance</em> and <em>FCRA</em> law, which will ensure that youre meeting deadlines while maintaining <em>accuracy</em>!"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[18.007122,"8195460"]},{"_index":"complaint-public-v1","_id":"8195461","_score":17.990223,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy!","date_sent_to_company":"2024-01-22T04:08:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93312","tags":null,"has_narrative":true,"complaint_id":"8195461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-22T04:08:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You can document your verification process for all the <em>data</em> within my <em>credit</em> <em>report</em> by following these standards set forth under Metro 2 <em>compliance</em> and <em>FCRA</em> law, which will ensure that youre meeting deadlines while maintaining <em>accuracy</em>!"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.990223,"8195461"]},{"_index":"complaint-public-v1","_id":"8195445","_score":17.95242,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy!","date_sent_to_company":"2024-01-22T04:08:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93312","tags":null,"has_narrative":true,"complaint_id":"8195445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-22T03:41:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You can document your verification process for all the <em>data</em> within my <em>credit</em> <em>report</em> by following these standards set forth under Metro 2 <em>compliance</em> and <em>FCRA</em> law, which will ensure that youre meeting deadlines while maintaining <em>accuracy</em>!"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.95242,"8195445"]},{"_index":"complaint-public-v1","_id":"11242936","_score":17.814848,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern : I am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy!","date_sent_to_company":"2024-12-21T20:27:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"782XX","tags":null,"has_narrative":true,"complaint_id":"11242936","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-21T20:21:09.000Z","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":["You can document your verification process for all the <em>data</em> within my <em>credit</em> <em>report</em> by following these standards set forth under Metro 2 <em>compliance</em> and <em>FCRA</em> law, which will ensure that youre meeting deadlines while maintaining <em>accuracy</em>!"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[17.814848,"11242936"]},{"_index":"complaint-public-v1","_id":"16847516","_score":17.782211,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian Information Solutions, LLC for failing to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). \n\nExperian continues to report XXXX unverifiable and inaccurate items on my credit report : A bankruptcy ( Case # XXXX ) that the U.S. Bankruptcy Court confirmed has not been verified or certified by Experian ; and A XXXX account that I never opened or authorized, which remains on my report without any supporting contract or billing verification. \n\nThese actions violate FCRA 607 ( b ) ( reasonable procedures for accuracy ) and 611 ( a ) ( reinvestigation and deletion within XXXX  days ). Continued reporting of unverified data constitutes willful non-compliance under 616617. \n\nI am also a documented data-breach victim, and under FCRA 602 ( A ) ( 4 ) Experian must apply heightened accuracy and data protection standards. I have attached documentation and prior dispute correspondence. \n\nI am requesting that the CFPB direct Experian to delete or block these unverifiable accounts, issue a corrected credit report, and provide confirmation of compliance.","date_sent_to_company":"2025-10-27T17:33:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30281","tags":null,"has_narrative":true,"complaint_id":"16847516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-27T17:28:43.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing this complaint against Experian Information Solutions, LLC for failing to comply with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) and <em>Fair</em> Debt Collection Practices Act ( FDCPA ). \n\nExperian continues to <em>report</em> XXXX unverifiable and inaccurate items on my <em>credit</em> <em>report</em> : A bankruptcy ( Case # XXXX ) that the U.S."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[17.782211,"16847516"]},{"_index":"complaint-public-v1","_id":"11104646","_score":17.653248,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request the method of verification ( MOV ) for specific items on my credit report, as authorized by 15 U.S.C. 1681i ( 7 ) under the Fair Credit Reporting Act ( FCRA ). In my prior ( 8 ) disputes, I challenged the accuracy of the following accounts on my credit report : 1. The DLA reported on my credit file is incorrect and this inaccuracy is detrimental to my credit score. By misreporting the DLA you are effectively re-aging the account which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. \nXXXX XXXX XXXX Account Number : XXXX I demand the immediate deletion of this account from my credit file due to re-aging of the account, which is prohibited under FCRA. \n\n2. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. \n\nXXXX. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXX XXXX Account Number : XXXX Remove this account due to non-compliance 4. This is a duplicate account reporting the same account number and different balance. FCRA violation. \nXXXX XXXX XXXX  Account Number : XXXX Remove this account due to non-compliance with the FCRA XXXX you were notified that the payment history is inaccurate and failed to correct or verify this account. Stop reporting for FCRA non-compliance of inaccurate data furnished on the consumer report XXXX XXXX XXXX  Account Number : XXXX Stop reporting for FCRA non-compliance of inaccurate data furnished on the consumer report.","date_sent_to_company":"2024-12-10T18:27:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76001","tags":null,"has_narrative":true,"complaint_id":"11104646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-10T18:14:07.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to formally request the method of verification ( MOV ) for specific items on my <em>credit</em> <em>report</em>, as authorized by 15 U.S.C. 1681i ( 7 ) under the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ). In my prior ( 8 ) disputes, I challenged the <em>accuracy</em> of the following accounts on my <em>credit</em> <em>report</em> : 1. The DLA <em>reported</em> on my <em>credit</em> file is incorrect and this inaccuracy is detrimental to my <em>credit</em> score."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.653248,"11104646"]},{"_index":"complaint-public-v1","_id":"13545313","_score":17.605896,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im reaching out because there is an item on my credit report that is not being reported in compliance with the Fair Credit Reporting Act ( FCRA ), specifically in regard to maximum accuracy standards. \n\nThe information in question is not accurate, and as such, it does not meet the legal requirement for how data should be maintained and reported on consumer credit files. This is a direct violation of the FCRA, and I expect it to be handled with the seriousness it warrants.","date_sent_to_company":"2025-05-16T16:23:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"370XX","tags":null,"has_narrative":true,"complaint_id":"13545313","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-16T16:20:43.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Im reaching out because there is an item on my <em>credit</em> <em>report</em> that is not being <em>reported</em> in <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), specifically in regard to maximum <em>accuracy</em> standards. \n\nThe information in question is not accurate, and as such, it does not meet the legal requirement for how <em>data</em> should be maintained and <em>reported</em> on consumer <em>credit</em> files. This is a direct violation of the <em>FCRA</em>, and I expect it to be handled with the seriousness it warrants."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[17.605896,"13545313"]},{"_index":"complaint-public-v1","_id":"13554371","_score":17.599604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im reaching out because there is an item on my credit report that is not being reported in compliance with the Fair Credit Reporting Act ( FCRA ), specifically in regard to maximum accuracy standards.\n\nThe information in question is not accurate, and as such, it does not meet the legal requirement for how data should be maintained and reported on consumer credit files. This is a direct violation of the FCRA, and I expect it to be handled with the seriousness it warrants.","date_sent_to_company":"2025-05-16T16:23:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"370XX","tags":null,"has_narrative":true,"complaint_id":"13554371","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-16T16:20:26.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Im reaching out because there is an item on my <em>credit</em> <em>report</em> that is not being <em>reported</em> in <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), specifically in regard to maximum <em>accuracy</em> standards.\n\nThe information in question is not accurate, and as such, it does not meet the legal requirement for how <em>data</em> should be maintained and <em>reported</em> on consumer <em>credit</em> files. This is a direct violation of the <em>FCRA</em>, and I expect it to be handled with the seriousness it warrants."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[17.599604,"13554371"]},{"_index":"complaint-public-v1","_id":"13549357","_score":17.599604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im reaching out because there is an item on my credit report that is not being reported in compliance with the Fair Credit Reporting Act ( FCRA ), specifically in regard to maximum accuracy standards.\n\nThe information in question is not accurate, and as such, it does not meet the legal requirement for how data should be maintained and reported on consumer credit files. This is a direct violation of the FCRA, and I expect it to be handled with the seriousness it warrants.","date_sent_to_company":"2025-05-16T16:23:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"370XX","tags":null,"has_narrative":true,"complaint_id":"13549357","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-16T16:19:40.000Z","state":"TN","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Im reaching out because there is an item on my <em>credit</em> <em>report</em> that is not being <em>reported</em> in <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), specifically in regard to maximum <em>accuracy</em> standards.\n\nThe information in question is not accurate, and as such, it does not meet the legal requirement for how <em>data</em> should be maintained and <em>reported</em> on consumer <em>credit</em> files. This is a direct violation of the <em>FCRA</em>, and I expect it to be handled with the seriousness it warrants."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[17.599604,"13549357"]},{"_index":"complaint-public-v1","_id":"8025196","_score":17.58449,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint due to unresolved inaccuracies in my credit report related to two accounts with USAA Federal Savings Bank, as reported to XXXX. The reports contain incorrect information and do not comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. \n\nRequest for Review : I have requested USAA to review their data to ensure accuracy according to FCRA and XXXX XXXX compliance standards, including the permissible purpose and accurate sourcing of any inquiries within my credit profile.\n\nChallenged Accounts : The accounts being challenged are listed as USAA FEDERAL SAVINGS XXXX ( XXXX ) - ( XXXX ) XXXX and XXXX. \nSpecific Discrepancies : Key concerns include incorrect payment status reported as 'CollectionOrChargeOff, ' discrepancies in 'Date Opened, ' and 'Account Status ' reported as closed. These inaccuracies deviate from the required XXXX XXXX reporting standards. \nDemand for Compliance and Accuracy : I have demanded documented proof of compliance with reporting standards and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of compliance. \nIssues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and compliance with regulatory mandates for credit reporting. \nCall for Immediate Action : If USAA Federal Savings Bank fails to provide evidence of compliance and does not correct these inaccuracies, I have stated my intention to pursue legal action. \nI am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by USAA Federal Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX.","date_sent_to_company":"2023-12-19T22:15:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32168","tags":"Servicemember","has_narrative":true,"complaint_id":"8025196","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-12-19T22:12:26.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing a complaint due to unresolved inaccuracies in my <em>credit</em> <em>report</em> related to two accounts with USAA Federal Savings Bank, as <em>reported</em> to XXXX. The <em>reports</em> contain incorrect information and do not comply with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) and XXXX XXXX standards."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[17.58449,"8025196"]},{"_index":"complaint-public-v1","_id":"10621634","_score":17.51446,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Regarding Fair Credit Reporting Act ( FCRA ) Compliance and Metro 2 Compliance for Account Verification by XXXX XXXX XXXX. I am submitting a complaint regarding XXXX XXXX XXXX handling of my credit report. I believe they are not complying with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards regarding accurate credit reporting. XXXX XXXX XXXX have reported an account to the credit bureaus, XXXX and TransUnion. I am disputing this account accuracy and validity. Despite my request for verification, I am concerned that they have not followed appropriate Metro 2 reporting standards. Specifically, I am requesting a review to ensure : 1. Proper credit reporting codes, as outlined by Metro 2 compliance, have been used in verifying and reporting this account. 2. That all data fields, such as the account status, date of delinquency, payment history, and balance information, meet the standards for accuracy, fairness, and completeness as per FCRA and Metro 2 guidelines. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate National Credit Adjusters compliance with these standards and take appropriate action to ensure fair credit reporting. 1. Verification that all Metro 2 compliant codes were used correctly in reporting this account. 2. Full review of the account for FCRA compliance, with any inaccurate or unverifiable information removed from my credit report. Thank you for your assistance in resolving this matter. XXXX XXXX Social security number XXXX","date_sent_to_company":"2024-10-30T03:01:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"10621634","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-30T03:01:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Subject : Dispute Regarding <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) <em>Compliance</em> and Metro 2 <em>Compliance</em> for Account Verification by XXXX XXXX XXXX. I am submitting a complaint regarding XXXX XXXX XXXX handling of my <em>credit</em> <em>report</em>. I believe they are not complying with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) and Metro 2 <em>compliance</em> standards regarding accurate <em>credit</em> <em>reporting</em>. XXXX XXXX XXXX have <em>reported</em> an account to the <em>credit</em> bureaus, XXXX and TransUnion."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[17.51446,"10621634"]},{"_index":"complaint-public-v1","_id":"10622514","_score":17.500818,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Regarding Fair Credit Reporting Act ( FCRA ) Compliance and Metro 2 Compliance for Account Verification by XXXX XXXX XXXX. I am submitting a complaint regarding XXXX XXXX XXXX handling of my credit report. I believe they are not complying with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards regarding accurate credit reporting. XXXX XXXX XXXX have reported an account to the credit bureaus, TransUnion. I am disputing this account accuracy and validity. Despite my request for verification, I am concerned that they have not followed appropriate Metro 2 reporting standards. Specifically, I am requesting a review to ensure : 1. Proper credit reporting codes, as outlined by Metro 2 compliance, have been used in verifying and reporting this account. 2. That all data fields, such as the account status, date of delinquency, payment history, and balance information, meet the standards for accuracy, fairness, and completeness as per FCRA and Metro 2 guidelines. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate National Credit Adjusters compliance with these standards and take appropriate action to ensure fair credit reporting. 1. Verification that all Metro 2 compliant codes were used correctly in reporting this account. 2. Full review of the account for FCRA compliance, with any inaccurate or unverifiable information removed from my credit report. Thank you for your assistance in resolving this matter. XXXX XXXX Social security number XXXX","date_sent_to_company":"2024-10-30T03:19:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"10622514","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-30T03:14:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Dispute Regarding <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) <em>Compliance</em> and Metro 2 <em>Compliance</em> for Account Verification by XXXX XXXX XXXX. I am submitting a complaint regarding XXXX XXXX XXXX handling of my <em>credit</em> <em>report</em>. I believe they are not complying with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) and Metro 2 <em>compliance</em> standards regarding accurate <em>credit</em> <em>reporting</em>. XXXX XXXX XXXX have <em>reported</em> an account to the <em>credit</em> bureaus, TransUnion. I am disputing this account <em>accuracy</em> and validity."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[17.500818,"10622514"]},{"_index":"complaint-public-v1","_id":"9315465","_score":17.47829,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently initiated a dispute regarding a tradeline on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that information providers furnish accurate and verifiable data. The specific tradeline in question has been reported as \" ND '' ( No Data ) for the past XXXX months by the data furnisher, indicating a prolonged absence of any reported information. In my dispute, I emphasized the FCRA 's requirement for truthful and complete reporting, highlighting that such prolonged non-reporting could inaccurately reflect on my credit history. I have formally requested the data furnisher to either substantiate the accuracy of the reported information or remove the tradeline from my credit report to ensure compliance with FCRA standards.","date_sent_to_company":"2024-06-22T00:29:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91942","tags":null,"has_narrative":true,"complaint_id":"9315465","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-21T23:59:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["In my dispute, I emphasized the <em>FCRA</em> 's requirement for truthful and complete <em>reporting</em>, highlighting that such prolonged non-<em>reporting</em> could inaccurately reflect on my <em>credit</em> history. I have formally requested the <em>data</em> furnisher to either substantiate the <em>accuracy</em> of the <em>reported</em> information or remove the tradeline from my <em>credit</em> <em>report</em> to ensure <em>compliance</em> with <em>FCRA</em> standards."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[17.47829,"9315465"]},{"_index":"complaint-public-v1","_id":"16459065","_score":17.46509,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the following accounts and inquiries that are being inaccurately and unlawfully reported on my credit file. Each of these items violates the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and my consumer rights. I demand permanent deletion of these accounts because they are inconsistent, unverifiable, and harmful. If you can not provide full and complete proof of accuracy, you are legally required to delete these items. \n\nXXXX XXXX XXXX This account is being reported with inconsistent, inaccurate, and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false information after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. This demonstrates willful non-compliance and reckless disregard for consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which violates the accuracy requirements under the FCRA and Metro 2 compliance standards. You are knowingly continuing to report false information after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my consumer rights. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for corrections or updatesit must be fully and permanently deleted immediately. \n\nXXXX XXXX This account is being reported with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which makes the reporting inaccurate and in direct violation of the FCRA and Metro 2 compliance standards. You are knowingly continuing to publish false and unverifiable information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my rights as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 accuracy standards. If one bureau already deleted it, that confirms it can not be fully verified. You are knowingly reporting false information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. Continuing to report unverified data shows willful non-compliance and direct harm to me as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully deleted immediately. \n\nXXXX XXXX XXXX This account is being reported with inconsistent and unverifiable information across the bureaus. The balance, dates, and remarks do not match, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false data after prior disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and disregard for my consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. \n\nXXXX XXXXXXXX XXXX This account is reporting with inconsistent and unverifiable data across all three bureaus. The balance, dates, and remarks conflict, which makes the reporting inaccurate and a direct violation of the FCRA and Metro 2 accuracy standards. You are knowingly continuing to report false and unverifiable information after repeated disputes, which is willful non-compliance under FCRA 607 ( b ) and 611. This demonstrates reckless disregard for accuracy and has caused ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX  XXXX This account is filled with inconsistent and unverifiable information across the bureaus. The balance, status, dates, and remarks all conflict, which proves it can not be verified under Metro 2 standards or the FCRAs requirement for maximum possible accuracy. You are knowingly reporting false and contradictory data after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. Continuing to report this inaccurate information shows willful non-compliance and bad faith handling of my disputes. Because this account can not be proven accurate in full, I demand its permanent deletion from my credit file. This is not a request for correction or updateit must be deleted completely and immediately. \n\nXXXX XXXX This account is being reported with inconsistent, unverifiable, and inaccurate data across all three bureaus. The balance, status, and dates do not match, which proves it can not be verified to the standard required under the FCRA and Metro 2 guidelines. You are knowingly reporting false and conflicting information, which violates FCRA 607 ( b ) and 611. After multiple disputes, you have failed to provide full and accurate documentation to support this account. That is willful non-compliance and harmful to me as a consumer. Because this account can not be verified with complete accuracy, it must be permanently deleted from my credit file. This is not a request for correction or updateI demand full deletion of this account immediately. \n\nXXXX  XXXX XXXX This account is being reported with conflicting, inconsistent, and unverifiable information across the bureaus. The dates, balance, and remarks do not align, which makes the reporting inaccurate and non-compliant with FCRA requirements and Metro 2 standards. You are knowingly publishing false data after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. By continuing to report this unverifiable information, you are acting in bad faith and causing ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully deleted immediately. \n\nUnauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX My identity was stolen due to a data breach, and these companies accessed my credit report without consent, violating the FCRA. I request immediate removal of these unauthorized accesses from my report. \n\nPersonal Information Errors Incorrect Name XXXX XXXX Incorrect XXXX XXXX Incorrect Address XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX Address XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX I am disputing the inaccurate personal information on my credit report. The incorrect names, addresses, and other personal details do not belong to me and must be immediately removed under 15 U.S. Code 1681c. Inaccurate personal data leads to misattributed accounts and reporting errors, violating FCRA compliance. DELETE this now! \n\nI am an Equifax Data Breachimpacted consumer, and my personal data was compromised through no fault of my own. Because of this breach, the risk of identity theft and data misuse is significantly higher. Continuing to publish and circulate inaccurate or unverifiable data in light of this fact demonstrates willful non-compliance, negligence, and reckless disregard for my consumer rights. \n\nThe reporting agencies have failed to perform reasonable investigations, have ignored clear evidence of inaccuracies, and continue to verify false information. This ongoing reporting of unverifiable data is causing measurable financial harm, reputational damage, and emotional distress.","date_sent_to_company":"2025-10-08T06:24:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93313","tags":null,"has_narrative":true,"complaint_id":"16459065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-08T06:19:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am formally disputing the following accounts and inquiries that are being inaccurately and unlawfully <em>reported</em> on my <em>credit</em> file. Each of these items violates the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), Metro 2 <em>compliance</em> standards, and my consumer rights. I demand permanent deletion of these accounts because they are inconsistent, unverifiable, and harmful. If you can not provide full and complete proof of <em>accuracy</em>, you are legally required to delete these items."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.46509,"16459065"]},{"_index":"complaint-public-v1","_id":"16458761","_score":17.46509,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the following accounts and inquiries that are being inaccurately and unlawfully reported on my credit file. Each of these items violates the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and my consumer rights. I demand permanent deletion of these accounts because they are inconsistent, unverifiable, and harmful. If you can not provide full and complete proof of accuracy, you are legally required to delete these items. \n\nXXXX XXXX XXXX This account is being reported with inconsistent, inaccurate, and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false information after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. This demonstrates willful non-compliance and reckless disregard for consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which violates the accuracy requirements under the FCRA and Metro 2 compliance standards. You are knowingly continuing to report false information after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my consumer rights. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for corrections or updatesit must be fully and permanently deleted immediately. \n\nXXXX XXXX This account is being reported with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which makes the reporting inaccurate and in direct violation of the FCRA and Metro 2 compliance standards. You are knowingly continuing to publish false and unverifiable information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my rights as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 accuracy standards. If one bureau already deleted it, that confirms it can not be fully verified. You are knowingly reporting false information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. Continuing to report unverified data shows willful non-compliance and direct harm to me as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully deleted immediately. \n\nXXXX XXXX XXXX This account is being reported with inconsistent and unverifiable information across the bureaus. The balance, dates, and remarks do not match, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false data after prior disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and disregard for my consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. \n\nXXXX XXXXXXXX XXXX This account is reporting with inconsistent and unverifiable data across all three bureaus. The balance, dates, and remarks conflict, which makes the reporting inaccurate and a direct violation of the FCRA and Metro 2 accuracy standards. You are knowingly continuing to report false and unverifiable information after repeated disputes, which is willful non-compliance under FCRA 607 ( b ) and 611. This demonstrates reckless disregard for accuracy and has caused ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX  XXXX This account is filled with inconsistent and unverifiable information across the bureaus. The balance, status, dates, and remarks all conflict, which proves it can not be verified under Metro 2 standards or the FCRAs requirement for maximum possible accuracy. You are knowingly reporting false and contradictory data after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. Continuing to report this inaccurate information shows willful non-compliance and bad faith handling of my disputes. Because this account can not be proven accurate in full, I demand its permanent deletion from my credit file. This is not a request for correction or updateit must be deleted completely and immediately. \n\nXXXX XXXX This account is being reported with inconsistent, unverifiable, and inaccurate data across all three bureaus. The balance, status, and dates do not match, which proves it can not be verified to the standard required under the FCRA and Metro 2 guidelines. You are knowingly reporting false and conflicting information, which violates FCRA 607 ( b ) and 611. After multiple disputes, you have failed to provide full and accurate documentation to support this account. That is willful non-compliance and harmful to me as a consumer. Because this account can not be verified with complete accuracy, it must be permanently deleted from my credit file. This is not a request for correction or updateI demand full deletion of this account immediately. \n\nXXXX  XXXX XXXX This account is being reported with conflicting, inconsistent, and unverifiable information across the bureaus. The dates, balance, and remarks do not align, which makes the reporting inaccurate and non-compliant with FCRA requirements and Metro 2 standards. You are knowingly publishing false data after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. By continuing to report this unverifiable information, you are acting in bad faith and causing ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully deleted immediately. \n\nUnauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX My identity was stolen due to a data breach, and these companies accessed my credit report without consent, violating the FCRA. I request immediate removal of these unauthorized accesses from my report. \n\nPersonal Information Errors Incorrect Name XXXX XXXX Incorrect XXXX XXXX Incorrect Address XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX Address XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX I am disputing the inaccurate personal information on my credit report. The incorrect names, addresses, and other personal details do not belong to me and must be immediately removed under 15 U.S. Code 1681c. Inaccurate personal data leads to misattributed accounts and reporting errors, violating FCRA compliance. DELETE this now! \n\nI am an Equifax Data Breachimpacted consumer, and my personal data was compromised through no fault of my own. Because of this breach, the risk of identity theft and data misuse is significantly higher. Continuing to publish and circulate inaccurate or unverifiable data in light of this fact demonstrates willful non-compliance, negligence, and reckless disregard for my consumer rights. \n\nThe reporting agencies have failed to perform reasonable investigations, have ignored clear evidence of inaccuracies, and continue to verify false information. This ongoing reporting of unverifiable data is causing measurable financial harm, reputational damage, and emotional distress.","date_sent_to_company":"2025-10-08T06:24:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93313","tags":null,"has_narrative":true,"complaint_id":"16458761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-08T06:23:52.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am formally disputing the following accounts and inquiries that are being inaccurately and unlawfully <em>reported</em> on my <em>credit</em> file. Each of these items violates the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), Metro 2 <em>compliance</em> standards, and my consumer rights. I demand permanent deletion of these accounts because they are inconsistent, unverifiable, and harmful. If you can not provide full and complete proof of <em>accuracy</em>, you are legally required to delete these items."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.46509,"16458761"]},{"_index":"complaint-public-v1","_id":"10623388","_score":17.462965,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Regarding Fair Credit Reporting Act ( FCRA ) Compliance and Metro 2 Compliance for Account Verification by XXXX XXXX XXXX. I am submitting a complaint regarding XXXX XXXX XXXX handling of my credit report. I believe they are not complying with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards regarding accurate credit reporting. XXXX XXXX XXXX have reported an account to the credit bureaus, Equifax and XXXX. I am disputing this account accuracy and validity. Despite my request for verification, I am concerned that they have not followed appropriate Metro 2 reporting standards. Specifically, I am requesting a review to ensure : 1. Proper credit reporting codes, as outlined by Metro 2 compliance, have been used in verifying and reporting this account. 2. That all data fields, such as the account status, date of delinquency, payment history, and balance information, meet the standards for accuracy, fairness, and completeness as per FCRA and Metro 2 guidelines. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate National Credit Adjusters compliance with these standards and take appropriate action to ensure fair credit reporting. 1. Verification that all Metro 2 compliant codes were used correctly in reporting this account. 2. Full review of the account for FCRA compliance, with any inaccurate or unverifiable information removed from my credit report. Thank you for your assistance in resolving this matter. XXXX XXXX Social security number XXXX","date_sent_to_company":"2024-10-30T03:01:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"10623388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-30T02:41:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Subject : Dispute Regarding <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) <em>Compliance</em> and Metro 2 <em>Compliance</em> for Account Verification by XXXX XXXX XXXX. I am submitting a complaint regarding XXXX XXXX XXXX handling of my <em>credit</em> <em>report</em>. I believe they are not complying with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) and Metro 2 <em>compliance</em> standards regarding accurate <em>credit</em> <em>reporting</em>. XXXX XXXX XXXX have <em>reported</em> an account to the <em>credit</em> bureaus, Equifax and XXXX."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[17.462965,"10623388"]},{"_index":"complaint-public-v1","_id":"16458762","_score":17.462063,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the following accounts and inquiries that are being inaccurately and unlawfully reported on my credit file. Each of these items violates the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and my consumer rights. I demand permanent deletion of these accounts because they are inconsistent, unverifiable, and harmful. If you can not provide full and complete proof of accuracy, you are legally required to delete these items. \n\nXXXX XXXX XXXX This account is being reported with inconsistent, inaccurate, and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false information after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. This demonstrates willful non-compliance and reckless disregard for consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which violates the accuracy requirements under the FCRA and Metro 2 compliance standards. You are knowingly continuing to report false information after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my consumer rights. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for corrections or updatesit must be fully and permanently deleted immediately. \n\nXXXX XXXX This account is being reported with inconsistent and unverifiable data across the bureaus. The balance, dates, and status do not align, which makes the reporting inaccurate and in direct violation of the FCRA and Metro 2 compliance standards. You are knowingly continuing to publish false and unverifiable information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and reckless disregard for my rights as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX This account is reporting with inconsistent and unverifiable data across the bureaus. The balance, status, and dates do not align, which violates the FCRA and Metro 2 accuracy standards. If one bureau already deleted it, that confirms it can not be fully verified. You are knowingly reporting false information after repeated disputes, which is a clear violation of FCRA 607 ( b ) and 611. Continuing to report unverified data shows willful non-compliance and direct harm to me as a consumer. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully deleted immediately. \n\nXXXX XXXX XXXX This account is being reported with inconsistent and unverifiable information across the bureaus. The balance, dates, and remarks do not match, which violates the FCRA and Metro 2 standards requiring maximum possible accuracy. You are knowingly continuing to report false data after prior disputes, which is a direct violation of FCRA 607 ( b ) and 611. This shows willful non-compliance and disregard for my consumer rights. Because this account can not be verified with 100 % accuracy, I demand its permanent deletion from my credit file. This is not a request for an update or correctionthis account must be fully and permanently deleted immediately. \n\nXXXX XXXXXXXX XXXX This account is reporting with inconsistent and unverifiable data across all three bureaus. The balance, dates, and remarks conflict, which makes the reporting inaccurate and a direct violation of the FCRA and Metro 2 accuracy standards. You are knowingly continuing to report false and unverifiable information after repeated disputes, which is willful non-compliance under FCRA 607 ( b ) and 611. This demonstrates reckless disregard for accuracy and has caused ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully and permanently deleted immediately. \n\nXXXX XXXX XXXX  XXXX This account is filled with inconsistent and unverifiable information across the bureaus. The balance, status, dates, and remarks all conflict, which proves it can not be verified under Metro 2 standards or the FCRAs requirement for maximum possible accuracy. You are knowingly reporting false and contradictory data after repeated disputes, which is a direct violation of FCRA 607 ( b ) and 611. Continuing to report this inaccurate information shows willful non-compliance and bad faith handling of my disputes. Because this account can not be proven accurate in full, I demand its permanent deletion from my credit file. This is not a request for correction or updateit must be deleted completely and immediately. \n\nXXXX XXXX This account is being reported with inconsistent, unverifiable, and inaccurate data across all three bureaus. The balance, status, and dates do not match, which proves it can not be verified to the standard required under the FCRA and Metro 2 guidelines. You are knowingly reporting false and conflicting information, which violates FCRA 607 ( b ) and 611. After multiple disputes, you have failed to provide full and accurate documentation to support this account. That is willful non-compliance and harmful to me as a consumer. Because this account can not be verified with complete accuracy, it must be permanently deleted from my credit file. This is not a request for correction or updateI demand full deletion of this account immediately. \n\nXXXX  XXXX XXXX This account is being reported with conflicting, inconsistent, and unverifiable information across the bureaus. The dates, balance, and remarks do not align, which makes the reporting inaccurate and non-compliant with FCRA requirements and Metro 2 standards. You are knowingly publishing false data after multiple disputes, which is a direct violation of FCRA 607 ( b ) and 611. By continuing to report this unverifiable information, you are acting in bad faith and causing ongoing harm to me as a consumer. Because this account can not be verified with complete accuracy, I demand its permanent deletion from my credit file. This is not a request for updates or correctionsit must be fully deleted immediately. \n\nUnauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX My identity was stolen due to a data breach, and these companies accessed my credit report without consent, violating the FCRA. I request immediate removal of these unauthorized accesses from my report. \n\nPersonal Information Errors Incorrect Name XXXX XXXX Incorrect XXXX XXXX Incorrect Address XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX Address XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX I am disputing the inaccurate personal information on my credit report. The incorrect names, addresses, and other personal details do not belong to me and must be immediately removed under 15 U.S. Code 1681c. Inaccurate personal data leads to misattributed accounts and reporting errors, violating FCRA compliance. DELETE this now! \n\nI am an Equifax Data Breachimpacted consumer, and my personal data was compromised through no fault of my own. Because of this breach, the risk of identity theft and data misuse is significantly higher. Continuing to publish and circulate inaccurate or unverifiable data in light of this fact demonstrates willful non-compliance, negligence, and reckless disregard for my consumer rights. \n\nThe reporting agencies have failed to perform reasonable investigations, have ignored clear evidence of inaccuracies, and continue to verify false information. This ongoing reporting of unverifiable data is causing measurable financial harm, reputational damage, and emotional distress.","date_sent_to_company":"2025-10-08T06:24:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93313","tags":null,"has_narrative":true,"complaint_id":"16458762","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-08T06:23:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am formally disputing the following accounts and inquiries that are being inaccurately and unlawfully <em>reported</em> on my <em>credit</em> file. Each of these items violates the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), Metro 2 <em>compliance</em> standards, and my consumer rights. I demand permanent deletion of these accounts because they are inconsistent, unverifiable, and harmful. If you can not provide full and complete proof of <em>accuracy</em>, you are legally required to delete these items."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.462063,"16458762"]},{"_index":"complaint-public-v1","_id":"16576369","_score":17.450844,"_source":{"product":"Debt collection","complaint_what_happened":"I am deeply disappointed by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment is my entitlement, and I kindly request a detailed account of the failures in upholding accuracy and compliance. The credit report I received is surprisingly inaccurate, considering the expected adherence to the FCRA and applicable XXXX XXXX data field formatting standards. I challenge you to provide a verified, complete, and truthful document as evidence for each claim. It is crucial to remove any false accounts promptly to avoid future financial implications. My credit report holds immense importance, and I demand factual accuracy, verification, and compliance in all documented data. \n\nListed below are the Collections that are being challenged I.C. SYSTEM, INC - XXXX","date_sent_to_company":"2025-10-14T10:02:24.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"71360","tags":null,"has_narrative":true,"complaint_id":"16576369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-10-14T09:58:53.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["My <em>credit</em> <em>report</em> holds immense importance, and I demand factual <em>accuracy</em>, verification, and <em>compliance</em> in all documented <em>data</em>. \n\nListed below are the Collections that are being challenged I.C. SYSTEM, INC - XXXX"],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[17.450844,"16576369"]},{"_index":"complaint-public-v1","_id":"16602723","_score":17.442875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA XXXX and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XXXX  while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base XXXX ) compliance violation - Portfolio Type Metro 2 ( Base XXXX ) compliance violation - Date Open Metro 2 ( Base XXXX ) compliance violation - Payment History Profile Metro 2 ( Field XXXX ) compliance violation - The Account Status Metro 2 Base XXXX compliance violation - Current Balance Metro 2 Base XXXX compliance violation - ECOA Code XXXX XXXX & XXXX - Last Payment Date Metro 2 Base XXXX compliance violation - Special Comment Metro 2 Base XXXX compliance violation - XXXX Segment Metro 2 XXXX - Re-Aging Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of FXRA XXXX ( c ) - Medical Debt<XXXX  This is a medical collection reported within the 180 day grace period violating current credit reporting rules This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for TransUnion immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my TransUnion credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA XXXX ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA XXXX.","date_sent_to_company":"2025-10-15T16:43:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"16602723","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-15T16:35:50.000Z","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":["This request is also in reference to <em>compliance</em> with Metro 2 <em>data</em> <em>reporting</em> standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the <em>accuracy</em>, completeness, and verifiability of the following accounts appearing on my TransUnion <em>credit</em> <em>report</em>. Which strongly suggests non-<em>compliance</em> and <em>data</em> inconsistency, violating Metro 2 formatting and <em>FCRA</em> requirements for accurate, consistent, and verifiable <em>reporting</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[17.442875,"16602723"]},{"_index":"complaint-public-v1","_id":"7598086","_score":17.424736,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern : I am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. \n1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! \nBelow is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-09-24T19:53:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93307","tags":null,"has_narrative":true,"complaint_id":"7598086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-24T19:50:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To whom it may concern : I am challenging you to review your <em>data</em> on file for me! I insist that all inaccuracies or deficiencies of <em>reporting</em> be corrected in accordance with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) section 611 ( 15 U.S.C. \n1681I ) and Metro 2 <em>compliance</em> standards. The information in my profile needs to be accurate and complete."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.424736,"7598086"]},{"_index":"complaint-public-v1","_id":"11484491","_score":17.41708,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute the accuracy and inclusion of outdated and incorrect address information on my credit file. Per the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and verifiable data in my credit report. Additionally, I request compliance with the Metro 2 and CDIA standards for accurate and uniform reporting.","date_sent_to_company":"2025-01-11T22:57:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60620","tags":null,"has_narrative":true,"complaint_id":"11484491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-11T22:57:48.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to dispute the <em>accuracy</em> and inclusion of outdated and incorrect address information on my <em>credit</em> file. Per the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), you are required to maintain accurate and verifiable <em>data</em> in my <em>credit</em> <em>report</em>. Additionally, I request <em>compliance</em> with the Metro 2 and CDIA standards for accurate and uniform <em>reporting</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.41708,"11484491"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":20522,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":20522}]}},"product":{"doc_count":20522,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":18515,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":18422},{"key":"Other personal consumer report","doc_count":93}]}},{"key":"Credit reporting, credit repair 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