{"took":229,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":20451,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13489402","_score":18.915554,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nInaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXXXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Please remove it from my credit report This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nWFC Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Please remove it from my credit report. \n\nInaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed.\n\nSYNFSTPROG Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nMIDLANDCRE Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXXXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nOPPITY FIN Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX Please remove it from my credit report.","date_sent_to_company":"2025-05-13T11:15:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13489402","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-13T11:15:03.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law."]},"sort":[18.915554,"13489402"]},{"_index":"complaint-public-v1","_id":"13485558","_score":18.895426,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nInaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXXXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Please remove it from my credit report This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nWFC Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Please remove it from my credit report. \n\nInaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed.\n\nSYNFSTPROG Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nMIDLANDCRE Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXXXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nOPPITY FIN Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX Please remove it from my credit report.","date_sent_to_company":"2025-05-13T11:15:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13485558","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-13T11:15:03.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law."]},"sort":[18.895426,"13485558"]},{"_index":"complaint-public-v1","_id":"13488269","_score":18.895353,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nInaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXXXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Please remove it from my credit report This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nWFC Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Please remove it from my credit report. \n\nInaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed.\n\nSYNFSTPROG Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nMIDLANDCRE Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXXXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nOPPITY FIN Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX Please remove it from my credit report.","date_sent_to_company":"2025-05-13T11:15:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13488269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-13T11:05:21.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law."]},"sort":[18.895353,"13488269"]},{"_index":"complaint-public-v1","_id":"14975558","_score":18.864096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX CARD - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance BMGMONEYIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance MIDTOWN FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance EXETER FI - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX XXXX - XX/XX/year> - This hard inquiry was unauthorized and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), as I did not consent to it, and I demand its immediate removal or face potential legal action.","date_sent_to_company":"2025-07-30T16:56:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"14975558","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-30T16:56:07.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX - These late payments are inaccurately reported in violation of the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-<em>compliance</em> XXXX CARD - These late payments are inaccurately reported in violation of the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692"]},"sort":[18.864096,"14975558"]},{"_index":"complaint-public-v1","_id":"14975379","_score":18.850447,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX CARD - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance BMGMONEYIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance MIDTOWN FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance EXETER FI - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX XXXX - XX/XX/year> - This hard inquiry was unauthorized and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), as I did not consent to it, and I demand its immediate removal or face potential legal action.","date_sent_to_company":"2025-07-30T16:56:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"14975379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-30T16:51:50.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX - These late payments are inaccurately reported in violation of the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-<em>compliance</em> XXXX CARD - These late payments are inaccurately reported in violation of the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692"]},"sort":[18.850447,"14975379"]},{"_index":"complaint-public-v1","_id":"14975559","_score":18.838226,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX CARD - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance BMGMONEYIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance MIDTOWN FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance EXETER FI - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX XXXX - XX/XX/year> - This hard inquiry was unauthorized and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), as I did not consent to it, and I demand its immediate removal or face potential legal action.","date_sent_to_company":"2025-07-30T16:56:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"14975559","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-30T16:56:07.000Z","state":"AL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX - These late payments are inaccurately reported in violation of the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-<em>compliance</em> XXXX CARD - These late payments are inaccurately reported in violation of the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ) and the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692"]},"sort":[18.838226,"14975559"]},{"_index":"complaint-public-v1","_id":"4428919","_score":18.713202,"_source":{"product":"Debt collection","complaint_what_happened":"My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : CAPTIAL ONE Account # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. \n\nIf all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2021-06-03T20:18:26.000Z","issue":"Written notification about debt","sub_product":"Federal student loan debt","zip_code":"341XX","tags":null,"has_narrative":true,"complaint_id":"4428919","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-06-03T20:07:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Reporting Act and <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act bylaws as mandated by federal laws."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Federal student loan <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[18.713202,"4428919"]},{"_index":"complaint-public-v1","_id":"13127856","_score":18.648651,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX - XXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt CollectionPractices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C.\n\n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX - This account is inaccurate because you have incorrectly stated the court 's name. You are required to include the court 's name, city, and state in your reporting, which you have failed to do. I demand that you remove this inaccurate public record from my consumer report based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). \nUS DEPARTMENT OF EDU - XX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove.","date_sent_to_company":"2025-04-22T20:37:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13127856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-22T20:33:19.000Z","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":["XXXX XXXX - XXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law."]},"sort":[18.648651,"13127856"]},{"_index":"complaint-public-v1","_id":"13104557","_score":18.62376,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX - XXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt CollectionPractices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C.\n\n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX - This account is inaccurate because you have incorrectly stated the court 's name. You are required to include the court 's name, city, and state in your reporting, which you have failed to do. I demand that you remove this inaccurate public record from my consumer report based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). \nUS DEPARTMENT OF EDU - XX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove.","date_sent_to_company":"2025-04-22T20:37:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13104557","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-22T20:37:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX - XXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law."]},"sort":[18.62376,"13104557"]},{"_index":"complaint-public-v1","_id":"13111738","_score":18.62363,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX - XXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt CollectionPractices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C.\n\n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX - This account is inaccurate because you have incorrectly stated the court 's name. You are required to include the court 's name, city, and state in your reporting, which you have failed to do. I demand that you remove this inaccurate public record from my consumer report based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). \nUS DEPARTMENT OF EDU - XX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove.","date_sent_to_company":"2025-04-22T20:37:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13111738","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-22T20:37:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX - XXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law."]},"sort":[18.62363,"13111738"]},{"_index":"complaint-public-v1","_id":"13589848","_score":18.599596,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Please remove it from my credit report.","date_sent_to_company":"2025-05-19T18:51:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37013","tags":null,"has_narrative":true,"complaint_id":"13589848","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-19T18:45:27.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law. \nXXXX Please remove it from my credit report."]},"sort":[18.599596,"13589848"]},{"_index":"complaint-public-v1","_id":"13601368","_score":18.57965,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Please remove it from my credit report.","date_sent_to_company":"2025-05-19T18:51:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37013","tags":null,"has_narrative":true,"complaint_id":"13601368","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-19T18:51:22.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law. \nXXXX Please remove it from my credit report."]},"sort":[18.57965,"13601368"]},{"_index":"complaint-public-v1","_id":"13589450","_score":18.57965,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThe inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Please remove it from my credit report.","date_sent_to_company":"2025-05-19T18:51:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37013","tags":null,"has_narrative":true,"complaint_id":"13589450","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-19T18:51:22.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law. \nXXXX Please remove it from my credit report."]},"sort":[18.57965,"13589450"]},{"_index":"complaint-public-v1","_id":"12159546","_score":18.504763,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b(2). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they cannot collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.\n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.\n\nXXXX XXXX XXXX XXXX  This charged-off account is in violation of the Fair Credit Reporting Act\n(15 U.S.C.  1681) and the Truth in Lending Act (15 U.S.C.  1601), as it remains inaccurately\nreported without proper validation, and failure to remove it will lead to legal action for willful non\u0002compliance with federal consumer protection laws. - This is paid as agreed and should not be\nreporting negatively on my report.\nXXXX XXXX XXXX  - This charged-off account is in violation of the Fair Credit Reporting Act\n(15 U.S.C.  1681) and the Truth in Lending Act (15 U.S.C.  1601), as it remains inaccurately\nreported without proper validation, and failure to remove it will lead to legal action for willful non\u0002compliance with federal consumer protection laws. - This is paid as agreed and should not be\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt\nCollection Practices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681),\nas it has not been properly validated; failure to remove it will result in legal action for non\u0002compliance with federal law.\nXXXX XXXX XXXX - This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt\nCollection Practices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681),\nas it has not been properly validated; failure to remove it will result in legal action for non\u0002compliance with federal law.\nXXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act (15\nU.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has not been properly\nvalidated; failure to remove it will result in legal action for non-compliance with federal law.\nXXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act (15\nU.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has not been properly\nvalidated; failure to remove it will result in legal action for non-compliance with federal law.\nXXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX  - This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law. XXXX XXXX XXXX XXXX - This hard inquiry was unauthorized and violates the Fair Credit\nReporting Act (15 U.S.C.  1681b), as I did not consent to it, and I demand its immediate removal\nor face potential legal action. - Delete immediately!\nXXXX XXXX XXXX XXXX  - This hard inquiry was unauthorized and violates the Fair Credit\nReporting Act (15 U.S.C.  1681b), as I did not consent to it, and I demand its immediate removal\nor face potential legal action. - Delete immediately!","date_sent_to_company":"2025-02-21T12:00:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78217","tags":null,"has_narrative":true,"complaint_id":"12159546","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-21T11:59:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em>\n<em>Practices</em> Act (15 U.S.C.  1692g) and the <em>Fair</em> Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-<em>compliance</em> with\nfederal law."]},"sort":[18.504763,"12159546"]},{"_index":"complaint-public-v1","_id":"12159545","_score":18.504763,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b(2). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they cannot collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.\n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.\n\nXXXX XXXX XXXX XXXX  This charged-off account is in violation of the Fair Credit Reporting Act\n(15 U.S.C.  1681) and the Truth in Lending Act (15 U.S.C.  1601), as it remains inaccurately\nreported without proper validation, and failure to remove it will lead to legal action for willful non\u0002compliance with federal consumer protection laws. - This is paid as agreed and should not be\nreporting negatively on my report.\nXXXX XXXX XXXX  - This charged-off account is in violation of the Fair Credit Reporting Act\n(15 U.S.C.  1681) and the Truth in Lending Act (15 U.S.C.  1601), as it remains inaccurately\nreported without proper validation, and failure to remove it will lead to legal action for willful non\u0002compliance with federal consumer protection laws. - This is paid as agreed and should not be\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt\nCollection Practices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681),\nas it has not been properly validated; failure to remove it will result in legal action for non\u0002compliance with federal law.\nXXXX XXXX XXXX - This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt\nCollection Practices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681),\nas it has not been properly validated; failure to remove it will result in legal action for non\u0002compliance with federal law.\nXXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act (15\nU.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has not been properly\nvalidated; failure to remove it will result in legal action for non-compliance with federal law.\nXXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act (15\nU.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has not been properly\nvalidated; failure to remove it will result in legal action for non-compliance with federal law.\nXXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX  - This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law. XXXX XXXX XXXX XXXX - This hard inquiry was unauthorized and violates the Fair Credit\nReporting Act (15 U.S.C.  1681b), as I did not consent to it, and I demand its immediate removal\nor face potential legal action. - Delete immediately!\nXXXX XXXX XXXX XXXX  - This hard inquiry was unauthorized and violates the Fair Credit\nReporting Act (15 U.S.C.  1681b), as I did not consent to it, and I demand its immediate removal\nor face potential legal action. - Delete immediately!","date_sent_to_company":"2025-02-21T12:00:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78217","tags":null,"has_narrative":true,"complaint_id":"12159545","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-21T11:59:50.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em>\n<em>Practices</em> Act (15 U.S.C.  1692g) and the <em>Fair</em> Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-<em>compliance</em> with\nfederal law."]},"sort":[18.504763,"12159545"]},{"_index":"complaint-public-v1","_id":"12159368","_score":18.504763,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b(2). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they cannot collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.\n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.\n\nXXXX XXXX XXXX XXXX  This charged-off account is in violation of the Fair Credit Reporting Act\n(15 U.S.C.  1681) and the Truth in Lending Act (15 U.S.C.  1601), as it remains inaccurately\nreported without proper validation, and failure to remove it will lead to legal action for willful non\u0002compliance with federal consumer protection laws. - This is paid as agreed and should not be\nreporting negatively on my report.\nXXXX XXXX XXXX  - This charged-off account is in violation of the Fair Credit Reporting Act\n(15 U.S.C.  1681) and the Truth in Lending Act (15 U.S.C.  1601), as it remains inaccurately\nreported without proper validation, and failure to remove it will lead to legal action for willful non\u0002compliance with federal consumer protection laws. - This is paid as agreed and should not be\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt\nCollection Practices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681),\nas it has not been properly validated; failure to remove it will result in legal action for non\u0002compliance with federal law.\nXXXX XXXX XXXX - This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt\nCollection Practices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681),\nas it has not been properly validated; failure to remove it will result in legal action for non\u0002compliance with federal law.\nXXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act (15\nU.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has not been properly\nvalidated; failure to remove it will result in legal action for non-compliance with federal law.\nXXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act (15\nU.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has not been properly\nvalidated; failure to remove it will result in legal action for non-compliance with federal law.\nXXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX  - This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law. XXXX XXXX XXXX XXXX - This hard inquiry was unauthorized and violates the Fair Credit\nReporting Act (15 U.S.C.  1681b), as I did not consent to it, and I demand its immediate removal\nor face potential legal action. - Delete immediately!\nXXXX XXXX XXXX XXXX  - This hard inquiry was unauthorized and violates the Fair Credit\nReporting Act (15 U.S.C.  1681b), as I did not consent to it, and I demand its immediate removal\nor face potential legal action. - Delete immediately!","date_sent_to_company":"2025-02-21T12:00:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78217","tags":null,"has_narrative":true,"complaint_id":"12159368","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-21T11:54:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em>\n<em>Practices</em> Act (15 U.S.C.  1692g) and the <em>Fair</em> Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-<em>compliance</em> with\nfederal law."]},"sort":[18.504763,"12159368"]},{"_index":"complaint-public-v1","_id":"12515998","_score":18.364418,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX XXXX XXXX XXXXXXXX - This charged-off account is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ), as it remains inaccurately reported without proper validation, and failure to remove it will lead to legal action for willful non-compliance with federal consumer protection laws. - Please remove this account XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \n\nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nIncorrect Address - XXXX XXXXXXXX XXXX  XXXX XXXX, FL, XXXX - The following personal information is incorrect - Please remove. \nIncorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX - The following personal information is incorrect - Please remove. \nEMPLOYER - XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect - Please remove. \nEMPLOYER - XXXX XXXX XXXX XXXX - The following personal information is incorrect - Please remove.","date_sent_to_company":"2025-03-17T15:38:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33901","tags":null,"has_narrative":true,"complaint_id":"12515998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-17T15:38:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX - XXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law. - Remove this account! \nXXXX XXXX XXXXXXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( XXXX U.S.C. XXXX ) and the <em>Fair</em> Credit Reporting Act ( XXXX XXXX."]},"sort":[18.364418,"12515998"]},{"_index":"complaint-public-v1","_id":"12523402","_score":18.343193,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX XXXX XXXX XXXXXXXX - This charged-off account is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ), as it remains inaccurately reported without proper validation, and failure to remove it will lead to legal action for willful non-compliance with federal consumer protection laws. - Please remove this account XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \n\nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nIncorrect Address - XXXX XXXXXXXX XXXX  XXXX XXXX, FL, XXXX - The following personal information is incorrect - Please remove. \nIncorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX - The following personal information is incorrect - Please remove. \nEMPLOYER - XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect - Please remove. \nEMPLOYER - XXXX XXXX XXXX XXXX - The following personal information is incorrect - Please remove.","date_sent_to_company":"2025-03-17T15:38:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33901","tags":null,"has_narrative":true,"complaint_id":"12523402","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-17T15:38:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX - XXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law. - Remove this account! \nXXXX XXXX XXXXXXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( XXXX U.S.C. XXXX ) and the <em>Fair</em> Credit Reporting Act ( XXXX XXXX."]},"sort":[18.343193,"12523402"]},{"_index":"complaint-public-v1","_id":"12515991","_score":18.3431,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX XXXX XXXX XXXXXXXX - This charged-off account is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ), as it remains inaccurately reported without proper validation, and failure to remove it will lead to legal action for willful non-compliance with federal consumer protection laws. - Please remove this account XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \n\nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - Remove this account! \nIncorrect Address - XXXX XXXXXXXX XXXX  XXXX XXXX, FL, XXXX - The following personal information is incorrect - Please remove. \nIncorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX - The following personal information is incorrect - Please remove. \nEMPLOYER - XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect - Please remove. \nEMPLOYER - XXXX XXXX XXXX XXXX - The following personal information is incorrect - Please remove.","date_sent_to_company":"2025-03-17T15:39:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33901","tags":null,"has_narrative":true,"complaint_id":"12515991","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-17T15:35:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX - XXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law. - Remove this account! \nXXXX XXXX XXXXXXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( XXXX U.S.C. XXXX ) and the <em>Fair</em> Credit Reporting Act ( XXXX XXXX."]},"sort":[18.3431,"12515991"]},{"_index":"complaint-public-v1","_id":"13593412","_score":18.318792,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX","date_sent_to_company":"2025-05-19T18:59:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62703","tags":null,"has_narrative":true,"complaint_id":"13593412","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-19T18:58:37.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law."]},"sort":[18.318792,"13593412"]},{"_index":"complaint-public-v1","_id":"13589378","_score":18.318792,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX","date_sent_to_company":"2025-05-19T18:59:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62703","tags":null,"has_narrative":true,"complaint_id":"13589378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-19T18:54:04.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law."]},"sort":[18.318792,"13589378"]},{"_index":"complaint-public-v1","_id":"13602925","_score":18.308846,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX","date_sent_to_company":"2025-05-19T18:59:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62703","tags":null,"has_narrative":true,"complaint_id":"13602925","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-19T18:58:37.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C. 1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law."]},"sort":[18.308846,"13602925"]},{"_index":"complaint-public-v1","_id":"12895648","_score":18.302223,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I demand that the following account be verified or removed immediately : XXXX  - XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. \nXXXX  - XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - Please delete this to my credit report XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - Please delete this to my credit report Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EMPLOYER - XXXX  EMPLOYER - XXXX  EMPLOYER - XXXX XXXX XXXX","date_sent_to_company":"2025-04-09T13:29:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39350","tags":null,"has_narrative":true,"complaint_id":"12895648","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-09T13:19:39.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX - XXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C.\n\n1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law."]},"sort":[18.302223,"12895648"]},{"_index":"complaint-public-v1","_id":"12909445","_score":18.292742,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I demand that the following account be verified or removed immediately : XXXX  - XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. \nXXXX  - XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - Please delete this to my credit report XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - Please delete this to my credit report Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EMPLOYER - XXXX  EMPLOYER - XXXX  EMPLOYER - XXXX XXXX XXXX","date_sent_to_company":"2025-04-09T13:29:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39350","tags":null,"has_narrative":true,"complaint_id":"12909445","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-09T13:28:53.000Z","state":"MS","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX - XXXX - This <em>collection</em> account violates the <em>Fair</em> <em>Debt</em> <em>Collection</em> <em>Practices</em> Act ( 15 U.S.C.\n\n1692g ) and the <em>Fair</em> Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law."]},"sort":[18.292742,"12909445"]},{"_index":"complaint-public-v1","_id":"12900183","_score":18.282072,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I demand that the following account be verified or removed immediately : XXXX  - XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. \nXXXX  - XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - Please delete this to my credit report XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - Please delete this to my credit report Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EMPLOYER - XXXX  EMPLOYER - XXXX  EMPLOYER - XXXX XXXX XXXX","date_sent_to_company":"2025-04-09T13:29:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39350","tags":null,"has_narrative":true,"complaint_id":"12900183","timely":"Yes","company_response":"Closed with non-monetary 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