{"took":205,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":116762,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10307242","_score":8.53027,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir, Madam, or to whom elsewise it may concern, I regret to inform you that I am contesting any information on my credit report that lacks substantiation, in line with both the FCRA and the established Metro 2 data field reporting standard. Regrettably, I can not acknowledge or accept the allegations of delinquency and derogatoriness without proper factual documentation. I implore you to ensure that all claims are both accurate and in compliance with federal and state regulations, as it is legally mandated. Moreover, I respectfully request physical, verifiable evidence to substantiate the account 's existence and its legitimate usage. If such evidence is not provided, I earnestly ask for the removal of this account from my credit report. Furthermore, I hereby authorize you to send me physical documentation regarding your actions and any updates to my credit report. Your prompt attention to this matter is greatly appreciated. \n\nXXXX - XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting XXXX across all the displayed bureaus, an infraction of compliance! DELETE at once! \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXXXXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXXy information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX My information was compromised in the XXXX XXXX breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX  - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating.","date_sent_to_company":"2024-10-01T18:35:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11787","tags":null,"has_narrative":true,"complaint_id":"10307242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-01T18:30:43.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["These claims are not compliant with <em>FCRA</em> standards. Delete these items and provide proof of adherence to <em>compliance</em> standards for this account. The FTC is investigating."]},"sort":[8.53027,"10307242"]},{"_index":"complaint-public-v1","_id":"10302690","_score":8.53027,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir, Madam, or to whom elsewise it may concern, I regret to inform you that I am contesting any information on my credit report that lacks substantiation, in line with both the FCRA and the established Metro 2 data field reporting standard. Regrettably, I can not acknowledge or accept the allegations of delinquency and derogatoriness without proper factual documentation. I implore you to ensure that all claims are both accurate and in compliance with federal and state regulations, as it is legally mandated. Moreover, I respectfully request physical, verifiable evidence to substantiate the account 's existence and its legitimate usage. If such evidence is not provided, I earnestly ask for the removal of this account from my credit report. Furthermore, I hereby authorize you to send me physical documentation regarding your actions and any updates to my credit report. Your prompt attention to this matter is greatly appreciated. \n\nXXXX - XXXX In compliance with XXXX XXXX XXXX XXXX Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting XXXX across all the displayed bureaus, an infraction of compliance! DELETE at once! \n\nDISCOVERBANK - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX  XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX  XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX  - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX  XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX  XXXX - XXXX My information was compromised in the XXXX XXXX breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX  XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nCOMENITYCBULTA - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating.","date_sent_to_company":"2024-10-01T18:36:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11787","tags":null,"has_narrative":true,"complaint_id":"10302690","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-01T18:35:27.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["These claims are not compliant with <em>FCRA</em> standards. Delete these items and provide proof of adherence to <em>compliance</em> standards for this account. The FTC is investigating."]},"sort":[8.53027,"10302690"]},{"_index":"complaint-public-v1","_id":"16538117","_score":8.403654,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : 1. Dept OF EDXXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - K4/3 Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Experian immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:13:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16538117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-13T21:02:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Upon reviewing my credit report, I have identified specific Metro 2 <em>compliance</em> violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under <em>FCRA</em> 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : 1."]},"sort":[8.403654,"16538117"]},{"_index":"complaint-public-v1","_id":"2671055","_score":8.321262,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Non compliance with FCRA and XXXX XXXX compliance.","date_sent_to_company":"2017-09-12T23:19:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48141","tags":null,"has_narrative":true,"complaint_id":"2671055","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2017-09-12T23:11:22.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Non <em>compliance</em> with <em>FCRA</em> and XXXX XXXX <em>compliance</em>."]},"sort":[8.321262,"2671055"]},{"_index":"complaint-public-v1","_id":"2671025","_score":8.308811,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Non compliance of FCRA and Metro 2 compliance.","date_sent_to_company":"2017-09-12T23:10:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48141","tags":null,"has_narrative":true,"complaint_id":"2671025","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-09-12T23:03:00.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Non <em>compliance</em> of <em>FCRA</em> and Metro 2 <em>compliance</em>."]},"sort":[8.308811,"2671025"]},{"_index":"complaint-public-v1","_id":"16602723","_score":8.308423,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA XXXX and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XXXX  while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base XXXX ) compliance violation - Portfolio Type Metro 2 ( Base XXXX ) compliance violation - Date Open Metro 2 ( Base XXXX ) compliance violation - Payment History Profile Metro 2 ( Field XXXX ) compliance violation - The Account Status Metro 2 Base XXXX compliance violation - Current Balance Metro 2 Base XXXX compliance violation - ECOA Code XXXX XXXX & XXXX - Last Payment Date Metro 2 Base XXXX compliance violation - Special Comment Metro 2 Base XXXX compliance violation - XXXX Segment Metro 2 XXXX - Re-Aging Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of FXRA XXXX ( c ) - Medical Debt<XXXX  This is a medical collection reported within the 180 day grace period violating current credit reporting rules This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for TransUnion immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my TransUnion credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA XXXX ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA XXXX.","date_sent_to_company":"2025-10-15T16:43:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"16602723","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-15T16:35:50.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX Account # XXXX Specifically - Failure to report the required <em>Compliance</em> Condition Code XXXX  while account is under active consumer dispute - <em>FCRA</em> <em>Compliance</em> / Date of First Delinquency DOFD Metro 2 ( Base XXXX ) <em>compliance</em> violation - Portfolio Type Metro 2 ( Base XXXX ) <em>compliance</em> violation - Date Open Metro 2 ( Base XXXX ) <em>compliance</em> violation - Payment History Profile Metro 2 ( Field XXXX ) <em>compliance</em> violation - The Account Status Metro 2 Base XXXX <em>compliance</em> violation - Current"]},"sort":[8.308423,"16602723"]},{"_index":"complaint-public-v1","_id":"16536763","_score":8.299562,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - XXXX Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the Consumer Data Industry Association ( CDIA ). \n\nAlso, I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX  credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:26:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16536763","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-13T21:19:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>compliance</em> violation - Terms Metro 2 Base 13 <em>compliance</em> violations- Last Payment Date Metro 2 Base 17 <em>compliance</em> violation - Special Comment Metro 2 Base 19 <em>compliance</em> violation - Reporting Summary Metro 2 Base 18 <em>compliance</em> violation - XXXX Segment Mero 2 <em>compliance</em> violation This complaint is a formal dispute under the Fair Credit Reporting Act ( <em>FCRA</em> ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently"]},"sort":[8.299562,"16536763"]},{"_index":"complaint-public-v1","_id":"2671213","_score":8.284275,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Non compliance of FCRA and XXXX XXXX compliance.","date_sent_to_company":"2017-09-13T05:53:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48141","tags":null,"has_narrative":true,"complaint_id":"2671213","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Clarity Services","date_received":"2017-09-13T00:42:31.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Non <em>compliance</em> of <em>FCRA</em> and XXXX XXXX <em>compliance</em>."]},"sort":[8.284275,"2671213"]},{"_index":"complaint-public-v1","_id":"11380983","_score":8.282166,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Corporation are in Default non compliance to requested information Non compliance to opportunity to cure non compliance to correct errors and multiple FCRA policies and US UCC Codes","date_sent_to_company":"2025-01-04T21:59:58.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"33870","tags":null,"has_narrative":true,"complaint_id":"11380983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-04T21:52:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Corporation are in Default non <em>compliance</em> to requested information Non <em>compliance</em> to opportunity to cure non <em>compliance</em> to correct errors and multiple <em>FCRA</em> policies and US UCC Codes"]},"sort":[8.282166,"11380983"]},{"_index":"complaint-public-v1","_id":"17116390","_score":8.279711,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include but may not be limited to Accounts in Dispute : 1. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX  XXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base 25 ) compliance violation - The Account Status Metro 2 ( Base/17A ) compliance violation - Terms Duration Metro 2 ( Base/13 ) compliance violation - Portfolio Type Metro 2 ( Base/9 ) compliance violation - Date Open Metro 2 ( Base/10 ) compliance violation - Portfolio Type Metro 2 ( Base/8 ) compliance violation - Payment History Profile Metro 2 ( Field/18 ) compliance violation - Current Balance Metro 2 ( Base/12 ) compliance violation - ECOA Code Base/37 J1 & J2/10 - Last Payment Date Metro 2 ( Base/17 ) compliance violation - Special Comment Metro 2 ( Base/19 ) compliance violation - K1 Segment Metro 2 K1/3 - Re-Aging Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of FXRA 605 ( c ) This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the Consumer Data Industry Association ( CDIA ). I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my Equifax credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. Inconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-11-08T16:34:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"17116390","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-08T16:16:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX  XXXX Account # XXXX Specifically - Failure to report the required <em>Compliance</em> Condition Code XB while account is under active consumer dispute - <em>FCRA</em> <em>Compliance</em> / Date of First Delinquency DOFD Metro 2 ( Base 25 ) <em>compliance</em> violation - The Account Status Metro 2 ( Base/17A ) <em>compliance</em> violation - Terms Duration Metro 2 ( Base/13 ) <em>compliance</em> violation - Portfolio Type Metro 2 ( Base/9 ) <em>compliance</em> violation - Date Open Metro 2 ( Base/10 ) <em>compliance</em> violation - Portfolio Type Metro 2 ( Base"]},"sort":[8.279711,"17116390"]},{"_index":"complaint-public-v1","_id":"10548390","_score":8.23528,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a dispute for an account listed on my Credit Report as XXXX XXXX XXXX due to MULTIPLE FCRA violations and multiple and XXXX XXXX compliance violations as described in the XXXX 's XXXX. Experian resolved my dispute and stated that the account will remain on my credit report, without providing any context as to how they came to this conclusion. As of XX/XX/year>, this account is out of compliance with FCRA and the XXXX XXXX reporting guidelines. The account is also being reported with inconsistencies and discrepancies across XXXX, Experian, and XXXX such as The Date Last Active XXXX, Account Status XXXX, and Date Opened XXXX of which ALL of them are reporting inaccurately. I request information on how Experian validated this information? These reporting discrepancies are outside of FCRA the XXXX 's XXXX compliance. Unless this account is deleted from my credit report, my next communication with Experian will be a formal notification of my intent to take legal action against the company, known as a XXXX notice. Experian must demonstrate full compliance with all requirements and standards of FCRA and XXXX 's XXXX Compliance mandates. Please see the attached report for a complete list of violations, inconsistencies and discrepancies related to this account.I al","date_sent_to_company":"2024-10-24T03:13:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37087","tags":null,"has_narrative":true,"complaint_id":"10548390","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-24T02:56:22.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These reporting discrepancies are outside of <em>FCRA</em> the XXXX 's XXXX <em>compliance</em>. Unless this account is deleted from my credit report, my next communication with Experian will be a formal notification of my intent to take legal action against the company, known as a XXXX notice. Experian must demonstrate full <em>compliance</em> with all requirements and standards of <em>FCRA</em> and XXXX 's XXXX <em>Compliance</em> mandates."]},"sort":[8.23528,"10548390"]},{"_index":"complaint-public-v1","_id":"8840188","_score":8.225001,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"complaint. \nXXXX XXXX XXXX  I hereby request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary enforcement actions against Equifax for their violation of the FCRA. I seek the following remedies : Immediate removal of XXXX XXXXXXXX XXXX  from my credit report. \nEnforcement of FCRA regulations to ensure EQUiFAX compliance with consumer protection laws. \nCompensation for damages incurred as a result of EQUIFAX non-compliance with non-compliance FCRA regulations. \nI have attached copies of all relevant correspondence and documentation, including the letter sent to EQUIFAX and any responses received.","date_sent_to_company":"2024-04-23T18:59:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33618","tags":null,"has_narrative":true,"complaint_id":"8840188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-23T18:22:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Compensation for damages incurred as a result of EQUIFAX non-<em>compliance</em> with non-<em>compliance</em> <em>FCRA</em> regulations. \nI have attached copies of all relevant correspondence and documentation, including the letter sent to EQUIFAX and any responses received."]},"sort":[8.225001,"8840188"]},{"_index":"complaint-public-v1","_id":"9960824","_score":8.18514,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal demand for immediate and thorough action regarding the fraudulent items that remain on my credit report, despite my previous notifications to your agency concerning my status as a victim of a data breach and identity theft. I have already filed a report with the Federal Trade Commission, and a copy is enclosed for your reference. Under 15 U.S.C. 1681i ( 7 ), I am entitled to a complete and detailed account of the steps your agency has taken to verify the accuracy of the disputed items on my credit report. Specifically, I request a detailed description of the reinvestigation procedure used, including : 1. The business name, address, and telephone number of any furnisher of information contacted.\n\n2. The name of the person with whom you verified the disputed information.\n\n3. The specific documentation you received and used to validate the accuracy of the information.\n\n4. A comprehensive outline of the procedures your company has in place to ensure each account is 100 % accurate.\n\nYou are required to provide this information to me within 15 days of receiving this request. Failure to do so will constitute a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, for which your agency will be held legally liable. \n\nDespite my previous demands to block and remove the fraudulent items from my credit report, the following items remain : XXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX  My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the Equifax data XXXX, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the Equifax data XXXX, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating.\n\nThe items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. \n\nXXXX - XX/XX/2023 - XXXX to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX XXXX XXXX XXXX - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX - XXXX - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately.","date_sent_to_company":"2024-08-30T13:15:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11787","tags":null,"has_narrative":true,"complaint_id":"9960824","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-30T13:15:13.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These claims are not compliant with <em>FCRA</em> standards. Delete these items and provide proof of adherence to <em>compliance</em> standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the Equifax data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with <em>FCRA</em> standards. Delete these items and provide proof of adherence to <em>compliance</em> standards for this account. The FTC is investigating."]},"sort":[8.18514,"9960824"]},{"_index":"complaint-public-v1","_id":"9982766","_score":8.178803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal demand for immediate and thorough action regarding the fraudulent items that remain on my credit report, despite my previous notifications to your agency concerning my status as a victim of a data breach and identity theft. I have already filed a report with the Federal Trade Commission, and a copy is enclosed for your reference. Under 15 U.S.C. 1681i ( 7 ), I am entitled to a complete and detailed account of the steps your agency has taken to verify the accuracy of the disputed items on my credit report. Specifically, I request a detailed description of the reinvestigation procedure used, including : 1. The business name, address, and telephone number of any furnisher of information contacted.\n\n2. The name of the person with whom you verified the disputed information.\n\n3. The specific documentation you received and used to validate the accuracy of the information.\n\n4. A comprehensive outline of the procedures your company has in place to ensure each account is 100 % accurate. \nYou are required to provide this information to me within 15 days of receiving this request. Failure to do so will constitute a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, for which your agency will be held legally liable. \n\nDespite my previous demands to block and remove the fraudulent items from my credit report, the following items remain : XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX XXXX breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXXXXXX My information was compromised in the XXXX XXXX breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data XXXX, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating.\n\nThe items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. \n\nXXXX - XX/XX/year> - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX XXXX XXXX XXXX  - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX - XXXX - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately.","date_sent_to_company":"2024-08-30T13:15:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11787","tags":null,"has_narrative":true,"complaint_id":"9982766","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-30T13:10:01.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These claims are not compliant with <em>FCRA</em> standards. Delete these items and provide proof of adherence to <em>compliance</em> standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with <em>FCRA</em> standards. Delete these items and provide proof of adherence to <em>compliance</em> standards for this account. The FTC is investigating."]},"sort":[8.178803,"9982766"]},{"_index":"complaint-public-v1","_id":"9978093","_score":8.178803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal demand for immediate and thorough action regarding the fraudulent items that remain on my credit report, despite my previous notifications to your agency concerning my status as a victim of a data breach and identity theft. I have already filed a report with the Federal Trade Commission, and a copy is enclosed for your reference. Under 15 U.S.C. 1681i ( 7 ), I am entitled to a complete and detailed account of the steps your agency has taken to verify the accuracy of the disputed items on my credit report. Specifically, I request a detailed description of the reinvestigation procedure used, including : 1. The business name, address, and telephone number of any furnisher of information contacted. \n2. The name of the person with whom you verified the disputed information.\n\n3. The specific documentation you received and used to validate the accuracy of the information.\n\n4. A comprehensive outline of the procedures your company has in place to ensure each account is 100 % accurate.\n\nYou are required to provide this information to me within 15 days of receiving this request. Failure to do so will constitute a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, for which your agency will be held legally liable. \n\nDespite my previous demands to block and remove the fraudulent items from my credit report, the following items remain : XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXXXXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX My information was compromised in the XXXX XXXX breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXXXXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data XXXX, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nThe items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. \n\nXXXX - XX/XX/year> - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX XXXX XXXX XXXX  - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately. \n\nXXXX - XXXX - Due to identity theft from a data breach, this company accessed my credit report without permission, breaching the FCRA. Please delete this unauthorized inquiry from my report immediately.","date_sent_to_company":"2024-08-30T13:15:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11787","tags":null,"has_narrative":true,"complaint_id":"9978093","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-30T13:15:13.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These claims are not compliant with <em>FCRA</em> standards. Delete these items and provide proof of adherence to <em>compliance</em> standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with <em>FCRA</em> standards. Delete these items and provide proof of adherence to <em>compliance</em> standards for this account. The FTC is investigating."]},"sort":[8.178803,"9978093"]},{"_index":"complaint-public-v1","_id":"3705703","_score":8.169032,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing this due to non-compliance with the CRA ( Transunion ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the accounts are accurate but have not produced any documents. There is no way that these tradelines is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.","date_sent_to_company":"2020-06-18T21:40:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30253","tags":"Servicemember","has_narrative":true,"complaint_id":"3705703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-06-18T21:33:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing this due to non-<em>compliance</em> with the CRA ( Transunion ). I strongly believe that they are in violation of the <em>FCRA</em> and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 <em>compliance</em> protocols that the <em>FCRA</em> has in place and violating the <em>FCRA</em>. I believe that they are being in non-<em>compliance</em> with the federal law. The company came back and said that the accounts are accurate but have not produced any documents."]},"sort":[8.169032,"3705703"]},{"_index":"complaint-public-v1","_id":"16602938","_score":8.159613,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base XXXX ) compliance violation - Portfolio Type Metro 2 ( Base XXXX ) compliance violation - Date Open Metro XXXX ( Base XXXX ) compliance violation - Payment History Profile Metro 2 ( Field XXXX ) compliance violation - The Account Status XXXX XXXX Base XXXX compliance violation - Current Balance Metro 2 Base XXXX compliance violation - ECOA Code XXXX XXXX & XXXX - Last Payment Date Metro 2 Base XXXX XXXX violation - Special Comment Metro 2 Base XXXX XXXX violation - XXXX Segment XXXX XXXX XXXX - XXXX Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of XXXX XXXX ( c ) - Medical XXXX This is a medical collection reported within the 180 day grace period violating current credit reporting rules This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax XXXX XXXX and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my Experian credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-15T16:35:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"16602938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-15T16:28:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The following data fields are either inaccurate, incomplete, or unverifiable under <em>FCRA</em> 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically - Failure to report the required <em>Compliance</em> Condition Code XB while account is under active consumer dispute - <em>FCRA</em> <em>Compliance</em> / Date of"]},"sort":[8.159613,"16602938"]},{"_index":"complaint-public-v1","_id":"10837841","_score":8.110481,"_source":{"product":"Credit card","complaint_what_happened":"Despite my attempts to resolve inaccuracies on my credit report, American Express has not taken appropriate measures, raising major compliance concerns in relation to the FCRA/FDCPA. The handling of my disputes has been inadequate and violates the FCRA. Specific issues include Delayed Responses : My inquiries have gone unanswered for an unreasonable time, violating my right to prompt dispute resolution. Inadequate Investigation : The institutions investigations have been superficial, failing to address my specific concerns and failing to respond to the Illinois Attorney General. Non-Compliance with Consumer Protection Laws : The institutions lack of responsiveness and transparency raises serious compliance issues, concerning the FCRA and the FDCPA.","date_sent_to_company":"2024-11-19T19:27:33.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"610XX","tags":null,"has_narrative":true,"complaint_id":"10837841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-11-19T19:23:03.000Z","state":"IL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Non-<em>Compliance</em> with Consumer Protection Laws : The institutions lack of responsiveness and transparency raises serious <em>compliance</em> issues, concerning the <em>FCRA</em> and the FDCPA."]},"sort":[8.110481,"10837841"]},{"_index":"complaint-public-v1","_id":"11849902","_score":8.1086445,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Non-Compliance Under the Fair Credit Reporting Act ( 15 USC 1681 ( o ) ) Dear I am writing to formally dispute a violation of the **Fair Credit Reporting Act** ( FCRA ), specifically under **15 USC 1681 ( o ) **, which outlines civil liability for negligent non-compliance with the obligations of the Act. I have identified an instance of non-compliance by your company that is negatively impacting my credit report and does not meet the requirements set forth by the FCRA.\n\nThis issue is causing tangible harm to my credit history and my ability to access fair financial services.\n\nAs stated in **15 USC 1681 ( o ) **, consumers are entitled to protection against negligent non-compliance with the provisions of the FCRA . I request that your company promptly investigate and correct the inaccurate or mishandled information in accordance with the procedures set forth by the law. Additionally, I expect written confirmation regarding the actions taken to rectify the issue within the timeframes specified by the FCRA.\n\nPlease be reminded that under the aforementioned statute, negligent non-compliance may result in civil liability, including compensatory damages, which can be claimed by affected consumers. I hope this matter can be resolved without the need for further legal action.\n\nThank you for your prompt attention to this matter. I look forward to your response within the time limits established by the FCRA. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-30T05:11:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11355","tags":null,"has_narrative":true,"complaint_id":"11849902","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-30T04:54:53.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dispute of Non-<em>Compliance</em> Under the Fair Credit Reporting Act ( 15 USC 1681 ( o ) ) Dear I am writing to formally dispute a violation of the **Fair Credit Reporting Act** ( <em>FCRA</em> ), specifically under **15 USC 1681 ( o ) **, which outlines civil liability for negligent non-<em>compliance</em> with the obligations of the Act. I have identified an instance of non-<em>compliance</em> by your company that is negatively impacting my credit report and does not meet the requirements set forth by the <em>FCRA</em>."]},"sort":[8.1086445,"11849902"]},{"_index":"complaint-public-v1","_id":"12644260","_score":8.091407,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX ] [ XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX [ XXXX ] Equifax [ Address ] [ City, State, ZIP Code ] Subject : URGENT Metro 2 Compliance Dispute Investigation Request To Whom It May Concern, I am formally disputing the accuracy and compliance of the following accounts on my credit report as reported by [ Credit Bureau Name ]. This dispute is being filed in accordance with the Fair Credit Reporting Act ( FCRA ) 611 and Metro 2 compliance requirements. Upon reviewing my credit report dated XX/XX/year>, I have identified multiple derogatory accounts, charge-offs, and inaccurately reported items that require immediate verification under Metro 2s e-OSCAR and Data Furnisher Reporting Standards. Below is a list of disputed accounts, including the furnishers and associated compliance concerns : XXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Charge-off status : Metro 2 guidelines require accurate reporting of payment history. Verification requested : Provide method of validation, including compliance with FCRA 623 ( a ) ( 3 ) ( Duty of Furnishers to Provide Accurate Information ). XXXX. XXXXXXXX XXXX [ Account Number : XXXX ] Charge-off reported but no payment history provided. Missing compliance details required under Metro 2 guidelines ( Base Segment ). XXXX. XXXX XXXX [ Account Number : XXXX ] Closed by credit grantor remark conflicts with reported charge-off. e-OSCAR investigation requested for validation under Metro 2. XXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Account marked Profit and Loss Write-off but lacks original date of delinquency ( DOFD ). Violation of FCRA 605 ( a ) ( 5 ) if DOFD is misreportedXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Overlimit reporting discrepancies between credit limit and balance. Requires compliance verification under Metro 2s Compliance Condition Code C. Metro 2 Compliance & FCRA Violations Each of these accounts may be inaccurately reported or unverifiable under Metro 2 compliance rules. The FCRA mandates that if an item can not be verified, it must be deleted. REQUESTED ACTIONS : 1. Provide Metro 2-compliant documentation validating each disputed item. 2. If full compliance can not be proven, immediately delete these accounts from my credit report. 3. Provide a detailed response within 30 days, as required under FCRA 611 ( a ). Failure to comply with this dispute request may result in formal complaints to the CFPB ( Consumer Financial Protection Bureau ) and legal action under FCRA non-compliance penalties. I expect prompt handling of this matter and an updated corrected credit report. Please mail all responses to my address listed above. Sincerely, [ XXXX XXXX ]","date_sent_to_company":"2025-03-24T16:05:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60473","tags":null,"has_narrative":true,"complaint_id":"12644260","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-24T15:59:55.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Violation of <em>FCRA</em> 605 ( a ) ( 5 ) if DOFD is misreportedXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Overlimit reporting discrepancies between credit limit and balance. Requires <em>compliance</em> verification under Metro 2s <em>Compliance</em> Condition Code C. Metro 2 <em>Compliance</em> & <em>FCRA</em> Violations Each of these accounts may be inaccurately reported or unverifiable under Metro 2 <em>compliance</em> rules. The <em>FCRA</em> mandates that if an item can not be verified, it must be deleted. REQUESTED ACTIONS : 1."]},"sort":[8.091407,"12644260"]},{"_index":"complaint-public-v1","_id":"12513592","_score":8.08747,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"[ XXXX XXXX ] [ XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX [ XXXX ] Experian [ Address ] [ City, State, ZIP Code ] Subject : URGENT Metro 2 Compliance Dispute Investigation Request To Whom It May Concern, I am formally disputing the accuracy and compliance of the following accounts on my credit report as reported by [ Credit Bureau Name ]. This dispute is being filed in accordance with the Fair Credit Reporting Act ( FCRA ) 611 and Metro 2 compliance requirements. \n\nUpon reviewing my credit report dated XX/XX/year>, I have identified multiple derogatory accounts, charge-offs, and inaccurately reported items that require immediate verification under Metro 2s e-OSCAR and Data Furnisher Reporting Standards. \n\nBelow is a list of disputed accounts, including the furnishers and associated compliance concerns : XXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Charge-off status : XXXX XXXX XXXX require accurate reporting of payment history. \nVerification requested : Provide method of validation, including compliance with FCRA 623 ( a ) ( 3 ) ( Duty of Furnishers to Provide Accurate Information ). \nXXXX. XXXXXXXX XXXX [ Account XXXX : XXXX ] XXXX reported but no payment history provided. \nMissing compliance details required under Metro 2 guidelines ( XXXX XXXX ). \nXXXX. XXXX XXXX [ Account XXXX : XXXX ] Closed by credit grantor remark conflicts with reported charge-off. \ne-OSCAR investigation requested for validation under Metro 2. \nXXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Account marked Profit and Loss Write-off but lacks original date of delinquency ( XXXX  ). \nViolation of FCRA 605 ( a ) ( 5 ) if XXXX is misreported. \nXXXX. XXXX XXXX XXXX XXXX XXXX  [ Account Number : XXXX ] Overlimit reporting discrepancies between credit limit and balance. \nRequires compliance verification under XXXXetro 2s Compliance Condition Code C.\n\nMetro 2 Compliance & FCRA Violations Each of these accounts may be inaccurately reported or unverifiable under Metro 2 compliance rules. The FCRA mandates that if an item can not be verified, it must be deleted. \n\nREQUESTED ACTIONS : XXXX. Provide Metro 2-compliant documentation validating each disputed item.\n\n2. If full compliance can not be proven, immediately delete these accounts from my credit report.\n\n3. Provide a detailed response within 30 days, as required under FCRA 611 ( a ).\n\nFailure to comply with this dispute request may result in formal complaints to the CFPB ( Consumer Financial Protection Bureau ) and legal action under FCRA non-compliance penalties. \n\nI expect prompt handling of this matter and an updated corrected credit report. Please mail all responses to my address listed above. \n\nSincerely, [ XXXX XXXX ]","date_sent_to_company":"2025-03-17T18:34:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60473","tags":null,"has_narrative":true,"complaint_id":"12513592","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-17T18:06:02.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Requires <em>compliance</em> verification under XXXXetro 2s <em>Compliance</em> Condition Code C.\n\nMetro 2 <em>Compliance</em> & <em>FCRA</em> Violations Each of these accounts may be inaccurately reported or unverifiable under Metro 2 <em>compliance</em> rules. The <em>FCRA</em> mandates that if an item can not be verified, it must be deleted. \n\nREQUESTED ACTIONS : XXXX. Provide Metro 2-compliant documentation validating each disputed item.\n\n2. If full <em>compliance</em> can not be proven, immediately delete these accounts from my credit report.\n\n3."]},"sort":[8.08747,"12513592"]},{"_index":"complaint-public-v1","_id":"16600653","_score":8.083026,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : Names XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Addresses XXXX. XXXX XXXX XXXX PL XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone Numbers XXXX. XXXX XXXX. XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - First name XXXX XXXX Field XXXX compliance violation - Middle Name XXXX XXXX Field XXXX compliance violation - First line of Field Address XXXX XXXX Field XXXX compliance violation - XXXX XXXX XXXX Field XXXX compliance violation compliance violation - Address Indicator XXXX XXXX Field XXXX compliance violation - Segment Identifier XXXX XXXX XXXX Field XXXX compliance violation - XXXX Segment Employment XXXX XXXX Field XXXX compliance violation - First Line of Employer Address XXXX XXXX Field XXXX compliance violation - Total Telephone Numbers ( All Segments ) XXXX XXXX Field XXXX compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with XXXX XXXX data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my Equifax credit report. Which strongly suggests non-compliance and data inconsistency, violating XXXX XXXX formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the XXXX XXXX Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-15T18:26:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"16600653","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-15T18:14:13.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["- XXXX Segment Employment XXXX XXXX Field XXXX <em>compliance</em> violation - First Line of Employer Address XXXX XXXX Field XXXX <em>compliance</em> violation - Total Telephone Numbers ( All Segments ) XXXX XXXX Field XXXX <em>compliance</em> violation This complaint is a formal dispute under the Fair Credit Reporting Act ( <em>FCRA</em> ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau."]},"sort":[8.083026,"16600653"]},{"_index":"complaint-public-v1","_id":"12681016","_score":8.062513,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Dispute of Inaccurate Collection Account and Demand for Removal in Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following collection account reported on my credit file : Creditor Name : Sunrise Credit Services Account Number : XXXX Date Reported : XX/XX/year> Balance : {$78.00} Upon thorough review of my credit report, I identified that the above-referenced collection account contains inaccurate and/or unverifiable information, in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which mandates credit reporting agencies ( CRAs ) to maintain maximum possible accuracy in consumer reports. \nFCRA Violations and Legal Non-Compliance FCRA 1681b Permissible Purpose : This section requires that data furnishers and CRAs have a permissible purpose to report or access my credit file. If this collection account was reported without proper validation, it may constitute a violation. \n\nFCRA 1681i ( a ) Reinvestigation of Disputed Information : Under this section, you are required to conduct a reasonable investigation of the disputed item within XXXX  days of receiving this notice. Should the data furnishers fail to verify the accuracy or completeness of the information, it must be removed immediately. \n\nFCRA 1681s-2 ( b ) Duty of Data Furnishers : The data furnisher is required to conduct a proper investigation into disputes. Failure to do so constitutes non-compliance with the FCRA, making the continued reporting of this account illegal and subject to legal consequences. \n\nRecent Legal Precedent : Negligence in Compliance I would like to bring to your attention the recent lawsuits against XXXX and XXXX related to failure in maintaining compliance with FCRA regulations, resulting in substantial legal penalties. Their negligence in addressing inaccuracies and failing to properly investigate disputes demonstrates a pattern of non-compliance that can not be tolerated. \n\nAs a consumer, I am fully prepared to escalate this matter to legal counsel if you fail to comply with the FCRA regulations. Should you continue to report inaccurate information, you may be subject to legal action for damages under FCRA 1681n ( civil liability for willful noncompliance ) and FCRA 1681o ( civil liability for negligent noncompliance ).","date_sent_to_company":"2025-03-26T15:28:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"70454","tags":null,"has_narrative":true,"complaint_id":"12681016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNRISE CREDIT SERVICES, INC","date_received":"2025-03-26T15:14:37.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Recent Legal Precedent : Negligence in <em>Compliance</em> I would like to bring to your attention the recent lawsuits against XXXX and XXXX related to failure in maintaining <em>compliance</em> with <em>FCRA</em> regulations, resulting in substantial legal penalties. Their negligence in addressing inaccuracies and failing to properly investigate disputes demonstrates a pattern of non-<em>compliance</em> that can not be tolerated."]},"sort":[8.062513,"12681016"]},{"_index":"complaint-public-v1","_id":"15338736","_score":8.052939,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute and Request for Immediate Deletion Willful Non-Compliance as Fraud To Whom It May Concern : I am formally disputing the accuracy and legality of the above-referenced account appearing on my credit report, under my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ).\n\nDespite prior attempts to resolve this matter directly with the furnisher and the credit reporting agencies, the account in question continues to be reported inaccurately and without proper verification. This constitutes willful non-compliance with the FCRA, and I am now escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) for immediate investigation and resolution.\n\nGrounds for Dispute : Lack of Proper Verification : The furnisher has failed to provide legally sufficient documentation to verify the accuracy and ownership of the account. Violation of FCRA Procedures : The continued reporting of this account without proper reinvestigation violates 15 U.\nS.C. 1681i ( a ), which mandates a timely and thorough reinvestigation of disputed information.\n\nWillful Non-Compliance and Fraud : The persistent reporting of unverifiable and inaccurate information, despite notice of dispute, may constitute willful non-compliance and fraudulent misrepresentation under federal law. \n\nRequested Action : I respectfully request the CFPB to : Investigate the reporting practices of the furnisher and the credit reporting agencies involved.\n\nEnforce compliance with the FCRA and any other applicable consumer protection statutes.\n\nDirect the immediate deletion of the disputed account from all consumer reporting agencies due to failure to verify and continued willful non-compliance.\n\nI am formally disputing multiple accounts that have been previously removed from my credit report following valid disputes. These accounts have now been reinserted without proper notice or verification, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).\n\nLegal Violations : Failure to Notify of Reinsertion Under FCRA 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts previously deleted information, it must notify the consumer in writing within 5 business days. I have not received any such notice. \nFailure to Certify Accuracy Before Reinsertion Per FCRA 1681i ( a ) ( 5 ) ( A ), the information must be certified by the furnisher as accurate before it can be reinserted. There is no evidence that this certification occurred.\n\nFailure to Conduct Reasonable Reinvestigation Under FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. The repeated reinsertion of previously disputed and removed accounts suggests that no proper reinvestigation was conducted.\n\nWillful Non-Compliance and Negligence. These actions may constitute willful non-compliance under FCRA 1681n and negligent non-compliance under FCRA 1681o, both of which are grounds for legal action and damages.\n\nI am attaching all relevant documentation, including prior dispute letters, responses ( if any ), and copies of my credit report showing the disputed account. \n\nThank you for your attention to this urgent matter. I trust the CFPB will act swiftly to protect my rights and ensure fair and accurate credit reporting.","date_sent_to_company":"2025-08-17T19:51:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75007","tags":null,"has_narrative":true,"complaint_id":"15338736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-17T19:16:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Willful Non-<em>Compliance</em> and Fraud : The persistent reporting of unverifiable and inaccurate information, despite notice of dispute, may constitute willful non-<em>compliance</em> and fraudulent misrepresentation under federal law. \n\nRequested Action : I respectfully request the CFPB to : Investigate the reporting practices of the furnisher and the credit reporting agencies involved.\n\nEnforce <em>compliance</em> with the <em>FCRA</em> and any other applicable consumer protection statutes."]},"sort":[8.052939,"15338736"]},{"_index":"complaint-public-v1","_id":"10621634","_score":8.032483,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Regarding Fair Credit Reporting Act ( FCRA ) Compliance and Metro 2 Compliance for Account Verification by XXXX XXXX XXXX. I am submitting a complaint regarding XXXX XXXX XXXX handling of my credit report. I believe they are not complying with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards regarding accurate credit reporting. XXXX XXXX XXXX have reported an account to the credit bureaus, XXXX and TransUnion. I am disputing this account accuracy and validity. Despite my request for verification, I am concerned that they have not followed appropriate Metro 2 reporting standards. Specifically, I am requesting a review to ensure : 1. Proper credit reporting codes, as outlined by Metro 2 compliance, have been used in verifying and reporting this account. 2. That all data fields, such as the account status, date of delinquency, payment history, and balance information, meet the standards for accuracy, fairness, and completeness as per FCRA and Metro 2 guidelines. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate National Credit Adjusters compliance with these standards and take appropriate action to ensure fair credit reporting. 1. Verification that all Metro 2 compliant codes were used correctly in reporting this account. 2. Full review of the account for FCRA compliance, with any inaccurate or unverifiable information removed from my credit report. Thank you for your assistance in resolving this matter. XXXX XXXX Social security number XXXX","date_sent_to_company":"2024-10-30T03:01:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"10621634","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-30T03:01:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Subject : Dispute Regarding Fair Credit Reporting Act ( <em>FCRA</em> ) <em>Compliance</em> and Metro 2 <em>Compliance</em> for Account Verification by XXXX XXXX XXXX. I am submitting a complaint regarding XXXX XXXX XXXX handling of my credit report. I believe they are not complying with the Fair Credit Reporting Act ( <em>FCRA</em> ) and Metro 2 <em>compliance</em> standards regarding accurate credit reporting. XXXX XXXX XXXX have reported an account to the credit bureaus, XXXX and TransUnion."]},"sort":[8.032483,"10621634"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":116762,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":116762}]}},"product":{"doc_count":116762,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":98222,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":97762},{"key":"Other personal consumer report","doc_count":460}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":9547,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":9484},{"key":"Other personal consumer 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