{"took":171,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4293,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13891903","_score":14.121997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im contacting you regarding an item currently listed on my credit report that I believe is not being reported in full compliance with the Fair Credit Reporting Act ( FCRA ), particularly the requirement for maximum possible accuracy. \n\nThe information in question is either incomplete, outdated, or otherwise inaccurate, and therefore should not be included in my credit file under FCRA guidelines.","date_sent_to_company":"2025-06-04T17:33:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92887","tags":null,"has_narrative":true,"complaint_id":"13891903","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-04T17:19:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Im contacting you regarding an item currently listed on my <em>credit</em> <em>report</em> that I believe is not being <em>reported</em> in full <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>particularly</em> the requirement for maximum possible accuracy. \n\nThe information in question is either incomplete, outdated, or otherwise inaccurate, and therefore should not be included in my <em>credit</em> file under FCRA guidelines."],"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":[14.121997,"13891903"]},{"_index":"complaint-public-v1","_id":"13891652","_score":14.105665,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im contacting you regarding an item currently listed on my credit report that I believe is not being reported in full compliance with the Fair Credit Reporting Act ( FCRA ), particularly the requirement for maximum possible accuracy. \n\nThe information in question is either incomplete, outdated, or otherwise inaccurate, and therefore should not be included in my credit file under FCRA guidelines.","date_sent_to_company":"2025-06-04T17:33:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92887","tags":null,"has_narrative":true,"complaint_id":"13891652","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-04T17:19:30.000Z","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":["Im contacting you regarding an item currently listed on my <em>credit</em> <em>report</em> that I believe is not being <em>reported</em> in full <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>particularly</em> the requirement for maximum possible accuracy. \n\nThe information in question is either incomplete, outdated, or otherwise inaccurate, and therefore should not be included in my <em>credit</em> file under FCRA guidelines."],"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":[14.105665,"13891652"]},{"_index":"complaint-public-v1","_id":"11601354","_score":12.963062,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Dispute of Inaccurate Information - Violation of 1681 O ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute certain information on my credit report, which I believe is inaccurate and in violation of Section 1681 of the Fair Credit Reporting Act ( FCRA ), particularly concerning the obligations of credit reporting agencies to maintain accurate records and promptly address consumer disputes.\n\nI have identified the following errors, and I assert that these discrepancies reflect negligence or non-compliance with the requirements set forth under FCRA 1681. The details of the inaccurate information are as follows see attachment.\n\nUnder the provisions of 15 U.S.C. 1681i, I request a thorough investigation and prompt resolution of the following issues. Specifically, I believe the credit reporting agency has failed to conduct an adequate investigation within the 30-day timeframe required under the law, and as such, this may constitute negligence in compliance with your legal obligations.\n\nI kindly request the following actions be taken immediately : Correction or Deletion of Inaccurate Information : Based on my records, the information provided is incorrect. I request that this information be corrected or removed from my credit report as required by the FCRA.\n\nNotification of Results : Once the investigation is complete, I request to be notified of the outcome and that a corrected copy of my credit report be sent to me.\n\nCompliance with FCRA Requirements : Please confirm your compliance with all relevant provisions of the FCRA, particularly those concerning the timely and accurate resolution of consumer disputes.\n\nIf I do not receive a response from you within the required 30 days or if the issue remains unresolved, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for any damages incurred due to your failure to comply with the FCRA.\n\nPlease consider this letter as my formal dispute. I expect your prompt attention to this matter and a resolution that adheres to all relevant federal laws. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-21T14:56:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29615","tags":null,"has_narrative":true,"complaint_id":"11601354","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-21T14:55:45.000Z","state":"SC","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Re : Dispute of Inaccurate Information - Violation of 1681 O ( <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ) To Whom It May Concern : I am writing to formally dispute certain information on my <em>credit</em> <em>report</em>, which I believe is inaccurate and in violation of Section 1681 of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>particularly</em> concerning the obligations of <em>credit</em> <em>reporting</em> agencies to maintain accurate records and promptly address consumer disputes."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[12.963062,"11601354"]},{"_index":"complaint-public-v1","_id":"11615854","_score":12.953594,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Dispute of Inaccurate Information - Violation of 1681 O ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute certain information on my credit report, which I believe is inaccurate and in violation of Section 1681 of the Fair Credit Reporting Act ( FCRA ), particularly concerning the obligations of credit reporting agencies to maintain accurate records and promptly address consumer disputes.\n\nI have identified the following errors, and I assert that these discrepancies reflect negligence or non-compliance with the requirements set forth under FCRA 1681. The details of the inaccurate information are as follows see attachment.\n\nUnder the provisions of 15 U.S.C. 1681i, I request a thorough investigation and prompt resolution of the following issues. Specifically, I believe the credit reporting agency has failed to conduct an adequate investigation within the 30-day timeframe required under the law, and as such, this may constitute negligence in compliance with your legal obligations. \n\nI kindly request the following actions be taken immediately : Correction or Deletion of Inaccurate Information : Based on my records, the information provided is incorrect. I request that this information be corrected or removed from my credit report as required by the FCRA. \n\nNotification of Results : Once the investigation is complete, I request to be notified of the outcome and that a corrected copy of my credit report be sent to me. \n\nCompliance with FCRA Requirements : Please confirm your compliance with all relevant provisions of the FCRA, particularly those concerning the timely and accurate resolution of consumer disputes. \n\nIf I do not receive a response from you within the required 30 days or if the issue remains unresolved, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for any damages incurred due to your failure to comply with the FCRA. \n\nPlease consider this letter as my formal dispute. I expect your prompt attention to this matter and a resolution that adheres to all relevant federal laws. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-21T14:55:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29615","tags":null,"has_narrative":true,"complaint_id":"11615854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-21T14:27:26.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Re : Dispute of Inaccurate Information - Violation of 1681 O ( <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ) To Whom It May Concern : I am writing to formally dispute certain information on my <em>credit</em> <em>report</em>, which I believe is inaccurate and in violation of Section 1681 of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>particularly</em> concerning the obligations of <em>credit</em> <em>reporting</em> agencies to maintain accurate records and promptly address consumer disputes."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[12.953594,"11615854"]},{"_index":"complaint-public-v1","_id":"11601357","_score":12.923862,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Dispute of Inaccurate Information - Violation of 1681 O ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute certain information on my credit report, which I believe is inaccurate and in violation of Section 1681 of the Fair Credit Reporting Act ( FCRA ), particularly concerning the obligations of credit reporting agencies to maintain accurate records and promptly address consumer disputes.\n\nI have identified the following errors, and I assert that these discrepancies reflect negligence or non-compliance with the requirements set forth under FCRA 1681. The details of the inaccurate information are as follows see attachment.\n\nUnder the provisions of 15 U.S.C. 1681i, I request a thorough investigation and prompt resolution of the following issues. Specifically, I believe the credit reporting agency has failed to conduct an adequate investigation within the 30-day timeframe required under the law, and as such, this may constitute negligence in compliance with your legal obligations.\n\nI kindly request the following actions be taken immediately : Correction or Deletion of Inaccurate Information : Based on my records, the information provided is incorrect. I request that this information be corrected or removed from my credit report as required by the FCRA.\n\nNotification of Results : Once the investigation is complete, I request to be notified of the outcome and that a corrected copy of my credit report be sent to me.\n\nCompliance with FCRA Requirements : Please confirm your compliance with all relevant provisions of the FCRA, particularly those concerning the timely and accurate resolution of consumer disputes.\n\nIf I do not receive a response from you within the required 30 days or if the issue remains unresolved, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for any damages incurred due to your failure to comply with the FCRA.\n\nPlease consider this letter as my formal dispute. I expect your prompt attention to this matter and a resolution that adheres to all relevant federal laws.\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-21T14:56:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29615","tags":null,"has_narrative":true,"complaint_id":"11601357","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-21T14:55:45.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Re : Dispute of Inaccurate Information - Violation of 1681 O ( <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ) To Whom It May Concern : I am writing to formally dispute certain information on my <em>credit</em> <em>report</em>, which I believe is inaccurate and in violation of Section 1681 of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>particularly</em> concerning the obligations of <em>credit</em> <em>reporting</em> agencies to maintain accurate records and promptly address consumer disputes."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[12.923862,"11601357"]},{"_index":"complaint-public-v1","_id":"3256156","_score":12.889569,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection","date_sent_to_company":"2019-05-28T19:20:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30233","tags":null,"has_narrative":true,"complaint_id":"3256156","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-05-28T19:09:41.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the <em>fair</em>, accurate, complete and compliant <em>reporting</em> of the claims, <em>particularly</em> being significantly deficient is any display of certified metro 2 <em>compliance</em>. As such, given the fact of recent breaches of information collection"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.889569,"3256156"]},{"_index":"complaint-public-v1","_id":"3255195","_score":12.889569,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection","date_sent_to_company":"2019-05-28T07:34:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31088","tags":null,"has_narrative":true,"complaint_id":"3255195","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-28T07:27:18.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the <em>fair</em>, accurate, complete and compliant <em>reporting</em> of the claims, <em>particularly</em> being significantly deficient is any display of certified metro 2 <em>compliance</em>. As such, given the fact of recent breaches of information collection"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.889569,"3255195"]},{"_index":"complaint-public-v1","_id":"3256270","_score":12.887856,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection","date_sent_to_company":"2019-05-28T11:16:52.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30224","tags":null,"has_narrative":true,"complaint_id":"3256270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-28T11:12:02.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the <em>fair</em>, accurate, complete and compliant <em>reporting</em> of the claims, <em>particularly</em> being significantly deficient is any display of certified metro 2 <em>compliance</em>. As such, given the fact of recent breaches of information collection"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.887856,"3256270"]},{"_index":"complaint-public-v1","_id":"3255671","_score":12.887856,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection","date_sent_to_company":"2019-05-28T19:32:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30233","tags":null,"has_narrative":true,"complaint_id":"3255671","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-28T19:21:44.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the <em>fair</em>, accurate, complete and compliant <em>reporting</em> of the claims, <em>particularly</em> being significantly deficient is any display of certified metro 2 <em>compliance</em>. As such, given the fact of recent breaches of information collection"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.887856,"3255671"]},{"_index":"complaint-public-v1","_id":"3255189","_score":12.8774185,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA,  FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection","date_sent_to_company":"2019-05-28T07:06:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31088","tags":null,"has_narrative":true,"complaint_id":"3255189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-05-28T06:48:54.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the <em>fair</em>, accurate, complete and compliant <em>reporting</em> of the claims, <em>particularly</em> being significantly deficient is any display of certified metro 2 <em>compliance</em>. As such, given the fact of recent breaches of information collection"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.8774185,"3255189"]},{"_index":"complaint-public-v1","_id":"3255625","_score":12.863593,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection","date_sent_to_company":"2019-05-28T18:58:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"312XX","tags":null,"has_narrative":true,"complaint_id":"3255625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-05-28T18:52:03.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the <em>fair</em>, accurate, complete and compliant <em>reporting</em> of the claims, <em>particularly</em> being significantly deficient is any display of certified metro 2 <em>compliance</em>. As such, given the fact of recent breaches of information collection"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.863593,"3255625"]},{"_index":"complaint-public-v1","_id":"3255193","_score":12.863593,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection","date_sent_to_company":"2019-05-28T07:25:56.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31088","tags":null,"has_narrative":true,"complaint_id":"3255193","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-05-28T07:15:09.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the <em>fair</em>, accurate, complete and compliant <em>reporting</em> of the claims, <em>particularly</em> being significantly deficient is any display of certified metro 2 <em>compliance</em>. As such, given the fact of recent breaches of information collection"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.863593,"3255193"]},{"_index":"complaint-public-v1","_id":"3255223","_score":12.845715,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection","date_sent_to_company":"2019-05-28T11:11:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30224","tags":null,"has_narrative":true,"complaint_id":"3255223","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-05-28T10:58:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the <em>fair</em>, accurate, complete and compliant <em>reporting</em> of the claims, <em>particularly</em> being significantly deficient is any display of certified metro 2 <em>compliance</em>. As such, given the fact of recent breaches of information collection"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.845715,"3255223"]},{"_index":"complaint-public-v1","_id":"16234001","_score":12.820365,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting as a consumer who has carefully reviewed my credit report and identified multiple inaccuracies that are adversely affecting my credit standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 1681e ( b ) and 1681i, I am formally disputing the accuracy of the information listed below and requesting a prompt investigation to ensure compliance with the requirement of maximum possible accuracy. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-09-29T07:57:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"393XX","tags":null,"has_narrative":true,"complaint_id":"16234001","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-29T07:52:34.000Z","state":"MS","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 submitting as a consumer who has carefully reviewed my <em>credit</em> <em>report</em> and identified multiple inaccuracies that are adversely affecting my <em>credit</em> standing. Pursuant to the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>particularly</em> 1681e ( b ) and 1681i, I am formally disputing the accuracy of the information listed below and requesting a prompt investigation to ensure <em>compliance</em> with the requirement of maximum possible accuracy."],"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":[12.820365,"16234001"]},{"_index":"complaint-public-v1","_id":"16250243","_score":12.781036,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting as a consumer who has carefully reviewed my credit report and identified multiple inaccuracies that are adversely affecting my credit standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 1681e ( b ) and 1681i, I am formally disputing the accuracy of the information listed below and requesting a prompt investigation to ensure compliance with the requirement of maximum possible accuracy. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-09-29T07:57:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"393XX","tags":null,"has_narrative":true,"complaint_id":"16250243","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-29T07:56:38.000Z","state":"MS","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting as a consumer who has carefully reviewed my <em>credit</em> <em>report</em> and identified multiple inaccuracies that are adversely affecting my <em>credit</em> standing. Pursuant to the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>particularly</em> 1681e ( b ) and 1681i, I am formally disputing the accuracy of the information listed below and requesting a prompt investigation to ensure <em>compliance</em> with the requirement of maximum possible accuracy."],"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":[12.781036,"16250243"]},{"_index":"complaint-public-v1","_id":"16879858","_score":12.642514,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am sending this complaint to report multiple inaccurate, unverifiable, and misleading accounts that continue to appear on my credit report despite previous disputes. These accounts contain inconsistent payment details, incorrect balances, and instances of duplicate reporting, all of which have negatively affected my credit standing. The continued presence of these inaccuracies raises concerns about the credit bureaus and furnishers compliance with the Fair Credit Reporting Act ( FCRA ), particularly regarding the duty to maintain and report accurate and verifiable information. \n). XXXX XXXX Balance {$15000.00} XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX Balance {$10000.00}","date_sent_to_company":"2025-10-28T06:56:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"273XX","tags":null,"has_narrative":true,"complaint_id":"16879858","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-28T06:52:01.000Z","state":"NC","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":["The continued presence of these inaccuracies raises concerns about the <em>credit</em> bureaus and furnishers <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>particularly</em> regarding the duty to maintain and <em>report</em> accurate and verifiable information. \n). XXXX XXXX Balance {$15000.00} XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX Balance {$10000.00}"],"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":[12.642514,"16879858"]},{"_index":"complaint-public-v1","_id":"16879655","_score":12.630206,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am sending this complaint to report multiple inaccurate, unverifiable, and misleading accounts that continue to appear on my credit report despite previous disputes. These accounts contain inconsistent payment details, incorrect balances, and instances of duplicate reporting, all of which have negatively affected my credit standing. The continued presence of these inaccuracies raises concerns about the credit bureaus and furnishers compliance with the Fair Credit Reporting Act ( FCRA ), particularly regarding the duty to maintain and report accurate and verifiable information. \n). XXXX XXXX Balance {$15000.00} XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX Balance {$10000.00}","date_sent_to_company":"2025-10-28T06:56:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"273XX","tags":null,"has_narrative":true,"complaint_id":"16879655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-28T06:56:14.000Z","state":"NC","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":["The continued presence of these inaccuracies raises concerns about the <em>credit</em> bureaus and furnishers <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>particularly</em> regarding the duty to maintain and <em>report</em> accurate and verifiable information. \n). XXXX XXXX Balance {$15000.00} XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX Balance {$10000.00}"],"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":[12.630206,"16879655"]},{"_index":"complaint-public-v1","_id":"16879654","_score":12.630206,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am sending this complaint to report multiple inaccurate, unverifiable, and misleading accounts that continue to appear on my credit report despite previous disputes. These accounts contain inconsistent payment details, incorrect balances, and instances of duplicate reporting, all of which have negatively affected my credit standing. The continued presence of these inaccuracies raises concerns about the credit bureaus and furnishers compliance with the Fair Credit Reporting Act ( FCRA ), particularly regarding the duty to maintain and report accurate and verifiable information. \n). XXXX XXXX Balance {$15000.00} XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX Balance {$10000.00}","date_sent_to_company":"2025-10-28T06:56:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"273XX","tags":null,"has_narrative":true,"complaint_id":"16879654","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-28T06:56:14.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The continued presence of these inaccuracies raises concerns about the <em>credit</em> bureaus and furnishers <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>particularly</em> regarding the duty to maintain and <em>report</em> accurate and verifiable information. \n). XXXX XXXX Balance {$15000.00} XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX Balance {$10000.00}"],"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":[12.630206,"16879654"]},{"_index":"complaint-public-v1","_id":"7989689","_score":12.356562,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Possible Finance for their failure to respond to my dispute letter, sent on XX/XX/2023, regarding discrepancies in my credit report. The certified letter ( USPS Tracking # XXXX ) was received on XX/XX/2023, but no acknowledgment or response has been provided. \n\nThis inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which mandates investigation and correction of inaccuracies on credit reports. The failure to validate or rectify these discrepancies not only undermines the integrity of my credit report but also contradicts Nevada 's adaptation of the Uniform Commercial Code ( UCC ), specifically XXXX XXXX. \n\nI request the CFPB 's intervention to ensure compliance with federal and state consumer protection laws and to address this failure in upholding my right to an accurate and fair credit report.","date_sent_to_company":"2023-12-12T16:23:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"7989689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Possible Financial Inc","date_received":"2023-12-12T16:13:51.000Z","state":"NV","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing a complaint against Possible Finance for their failure to respond to my dispute letter, sent on XX/XX/2023, regarding discrepancies in my <em>credit</em> <em>report</em>. The certified letter ( USPS Tracking # XXXX ) was received on XX/XX/2023, but no acknowledgment or response has been provided. \n\nThis inaction violates my rights under the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>particularly</em> 15 U.S.C. 1681i, which mandates investigation and correction of inaccuracies on <em>credit</em> <em>reports</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":[12.356562,"7989689"]},{"_index":"complaint-public-v1","_id":"8707305","_score":12.30611,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Balance $ XXXX - {$1000.00} I have reasons to believe that the information provided by these sources, particularly the collection account from XXXX XXXX is inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new credit opportunities. I am exercising my rights under the Fair Credit Reporting Act, specifically referencing the following provisions : - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681e - Compliance procedures -15 U.S. Code & 1962f- Unfair practices","date_sent_to_company":"2024-04-05T19:30:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"8707305","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-05T19:30:53.000Z","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":["Balance $ XXXX - {$1000.00} I have reasons to believe that the information provided by these sources, <em>particularly</em> the collection account from XXXX XXXX is inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new <em>credit</em> opportunities. I am exercising my rights under the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act, specifically referencing the following provisions : - 15 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":[12.30611,"8707305"]},{"_index":"complaint-public-v1","_id":"8707304","_score":12.296551,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Balance $ XXXX - {$1000.00} I have reasons to believe that the information provided by these sources, particularly the collection account from XXXX XXXX is inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new credit opportunities. I am exercising my rights under the Fair Credit Reporting Act, specifically referencing the following provisions : - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681e - Compliance procedures -15 U.S. Code & 1962f- Unfair practices","date_sent_to_company":"2024-04-05T19:30:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"8707304","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-05T19:30:53.000Z","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":["Balance $ XXXX - {$1000.00} I have reasons to believe that the information provided by these sources, <em>particularly</em> the collection account from XXXX XXXX is inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new <em>credit</em> opportunities. I am exercising my rights under the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act, specifically referencing the following provisions : - 15 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":[12.296551,"8707304"]},{"_index":"complaint-public-v1","_id":"8686193","_score":12.296551,"_source":{"product":"Credit card","complaint_what_happened":"Balance $ XXXX - $ XXXXI have reasons to believe that the information provided by these sources, particularly the collection account from JPMCB CARD is inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new credit opportunities. \nI am exercising my rights under the Fair Credit Reporting Act, specifically referencing the following provisions : - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681e - Compliance procedures -15 U.S. Code & 1962f- Unfair practices","date_sent_to_company":"2024-04-05T01:11:11.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"8686193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-04-05T00:18:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Balance $ XXXX - $ XXXXI have reasons to believe that the information provided by these sources, <em>particularly</em> the collection account from JPMCB CARD is inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new <em>credit</em> opportunities. \nI am exercising my rights under the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act, specifically referencing the following provisions : - 15 U.S."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[12.296551,"8686193"]},{"_index":"complaint-public-v1","_id":"18207248","_score":12.276103,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion failed to provide a lawful dispute result and instead returned the outcome as Unknown, stating that dispute results were not received. This does not satisfy the Fair Credit Reporting Acts requirement for a reasonable investigation and clear verification.\n\nTransUnion did not provide any documentation showing that the furnisher verified the account, nor did they delete or correct the inaccurate information.\n\nThis unresolved reporting is causing ongoing financial harm and emotional distress, particularly as I am dealing with ongoing health issues. I am requesting that TransUnion either provide full verification with documented proof or delete the account immediately.\n\nI am requesting CFPB assistance to ensure compliance with federal law.","date_sent_to_company":"2025-12-21T18:48:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"291XX","tags":null,"has_narrative":true,"complaint_id":"18207248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-21T18:41:55.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This does not satisfy the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Acts requirement for a reasonable investigation and clear verification.\n\nTransUnion did not provide any documentation showing that the furnisher verified the account, nor did they delete or correct the inaccurate information.\n\nThis unresolved <em>reporting</em> is causing ongoing financial harm and emotional distress, <em>particularly</em> as I am dealing with ongoing health issues."],"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":[12.276103,"18207248"]},{"_index":"complaint-public-v1","_id":"11039551","_score":12.270099,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to report potential violations of the Fair Credit Reporting Act ( FCRA ), particularly under Section 623 ( a ) ( 6 ), concerning inaccurate and unverifiable information reported to credit bureaus. I request the investigations and take corrective action.\n\nSection 623 ( a ) ( 6 ) requires data furnishers to report accurate information and investigate disputed data in good faith. Failure to correct or update inaccuracies is noncompliant with the FCRA. Additionally, under Section 611 ( b ), if a consumer disputes information, credit bureaus must conduct a reasonable investigation and remove any unverifiable data.\n\nI respectfully urge an investigation and ensure compliance with FCRA standards. 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