{"took":86,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1411,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8453152","_score":23.566544,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had filed a complaint against Trans Union on XX/XX/2024 identification number XXXX trans responded that they would get back to me in 60 days. This is not acceptable and I Do Not Consent.\n\nThe relevant law is the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which deals with procedure in case of disputed accuracy. Here is the relevant excerpt : \" Section 611 ( a ) ( 1 ) ( A ) If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In other words, if I dispute an item in my credit report, the credit reporting agency must investigate the dispute and either update the status of the disputed item or delete it from your file within 30 days of receiving your dispute notice. \n\nIf Trans Union fails to comply with the Fair Credit Reporting Act ( FCRA ) and does not respond to my dispute within the 30-day timeframe as required by law, I am entitled to certain damages and penalties. Here are some of the potential fines and penalties that Trans Union may face for non-compliance with the FCRA : 1. Statutory Damages : Under the FCRA, if a credit reporting agency willfully fails to comply with the requirements of the Act, the consumer may be entitled to recover statutory damages ranging from {$100.00} to {$1000.00} per violation.\n\n2. Actual Damages : I may also be entitled to recover any actual damages I suffered as a result of Trans Union 's failure to respond to your dispute in a timely manner. \n\n3. Punitive Damages : In cases of willful non-compliance or egregious conduct, a court may award punitive damages to punish Trans Union and deter similar conduct in the future. \n\n4. Attorney 's Fees and Costs : If I have to take legal action against Trans Union for non-compliance with the FCRA, you may also be entitled to recover your attorney 's fees and court costs.","date_sent_to_company":"2024-02-29T22:46:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"847XX","tags":null,"has_narrative":true,"complaint_id":"8453152","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-29T22:26:55.000Z","state":"UT","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":["Statutory <em>Damages</em> : Under the <em>FCRA</em>, if a credit reporting agency willfully fails to comply with the requirements of the Act, the consumer may be <em>entitled</em> to recover statutory <em>damages</em> ranging from {$100.00} to {$1000.00} per violation.\n\n2. <em>Actual</em> <em>Damages</em> : I may also be <em>entitled</em> to recover any <em>actual</em> <em>damages</em> I suffered as a result of Trans Union 's failure to respond to your dispute in a timely manner. \n\n3."]},"sort":[23.566544,"8453152"]},{"_index":"complaint-public-v1","_id":"8456299","_score":23.54962,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had filed a complaint against Equifax on XX/XX/2024 identification number XXXX tEquifax responded that they would get back to me in 60 days. This is not acceptable and I Do Not Consent. The relevant law is the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which deals with procedure in case of disputed accuracy. Here is the relevant excerpt : \" Section 611 ( a ) ( 1 ) ( A ) If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In other words, if I dispute an item in my credit report, the credit reporting agency must investigate the dispute and either update the status of the disputed item or delete it from your file within 30 days of receiving your dispute notice. If XXXX XXXX fails to comply with the Fair Credit Reporting Act ( FCRA ) and does not respond to my dispute within the 30-day timeframe as required by law, I am entitled to certain damages and penalties. Here are some of the potential fines and penalties that XXXX XXXX may face for non-compliance with the FCRA : 1. Statutory Damages : Under the FCRA, if a credit reporting agency willfully fails to comply with the requirements of the Act, the consumer may be entitled to recover statutory damages ranging from {$100.00} to {$1000.00} per violation. 2. Actual Damages : I may also be entitled to recover any actual damages I suffered as a result of XXXX XXXX XXXX failure to respond to your dispute in a timely manner. 3. Punitive Damages : In cases of willful non-compliance or egregious conduct, a court may award punitive damages to punish XXXX XXXX and deter similar conduct in the future. 4. Attorney 's Fees and Costs : If I have to take legal action against XXXX XXXX for non-compliance with the FCRA, you may also be entitled to recover your attorney 's fees and court costs.","date_sent_to_company":"2024-03-01T10:08:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"847XX","tags":null,"has_narrative":true,"complaint_id":"8456299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-01T09:55:01.000Z","state":"UT","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Statutory <em>Damages</em> : Under the <em>FCRA</em>, if a credit reporting agency willfully fails to comply with the requirements of the Act, the consumer may be <em>entitled</em> to recover statutory <em>damages</em> ranging from {$100.00} to {$1000.00} per violation. 2. <em>Actual</em> <em>Damages</em> : I may also be <em>entitled</em> to recover any <em>actual</em> <em>damages</em> I suffered as a result of XXXX XXXX XXXX failure to respond to your dispute in a timely manner. 3."]},"sort":[23.54962,"8456299"]},{"_index":"complaint-public-v1","_id":"6273457","_score":23.407967,"_source":{"product":"Debt collection","complaint_what_happened":"In XXXX, the FCRA BECAME LAW \" TO ENSURE FAIR AND ACCURATE CREDIT REPORTING, PROMOTE EFFICIENCY IN XXXX XXXX XXXX, AND PROTECT CONSUMER PRIVACY. '' XXXX XXXX. Co.of Am. V. Burr, 551 U.S. 47, 52 ( 2007 ) SHARING CREDIT INFORMATION, \" THOUGH OFTEN NECESSARY IN MODERN ECONOMY, CAN RESULT IN A SIGNIFICANT INVASION OF PRIVACY AND CAN JEOPARSIZE A COMSUMER 'S PERSONAL REPUTATIONAL, AND FINANCIAL WELL BEING. '' DELETION OF WILLFUL NON COMPLIANCE NEGLECTFUL NON COMPLIANCE OF INTENTIONAL. FDCPA VIOLATION, INVASION OF PRIVACY, DECEPTIVE. TRADE PRACTICES BY THE COLLECTION AGENCY IMPERSONATING \" ATTORNEYS. '' FCRA PROVIDES A PRIVATE RIGHT OF ACTION FOR THE INJURED CONSUMERS. 551 U.S. at 53 ; TRW INC. v. ANDREWS, 534 U.S. 19, 23 ( XXXX  ). A WILFUL VIOLATION ENTITLES. A CONSUMER TO ACTUAL DAMAGES. 15 U.S.C. 1681o ( a ). A WILLFUL VIOLATION ENTITLES THE CONSUMER TO ACTUAL OR STATUTORY DAMAGES, WITH PUNITIVE DAMAGES LEFT TO * the court 's discretion. 15 U.S.C. 1681n ( a ). DO NOT UPDATE ADVERSE INFORMATION PLACED WITHOUT HANDWRITTEN CONSENT BEFORE HAND!! DELETE THIS FRAUDULENT ACCOUNT AT ONCE!!","date_sent_to_company":"2022-12-03T07:17:30.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6273457","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-12-03T06:49:23.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["TRADE PRACTICES BY THE COLLECTION AGENCY IMPERSONATING \" ATTORNEYS. '' <em>FCRA</em> PROVIDES A PRIVATE RIGHT OF ACTION FOR THE INJURED CONSUMERS. 551 U.S. at 53 ; TRW INC. v. ANDREWS, 534 U.S. 19, 23 ( XXXX  ). A WILFUL VIOLATION <em>ENTITLES</em>. A CONSUMER TO <em>ACTUAL</em> <em>DAMAGES</em>. 15 U.S.C. 1681o ( a ). A WILLFUL VIOLATION <em>ENTITLES</em> THE CONSUMER TO <em>ACTUAL</em> OR STATUTORY <em>DAMAGES</em>, WITH PUNITIVE <em>DAMAGES</em> LEFT TO * the court 's discretion. 15 U.S.C. 1681n ( a )."]},"sort":[23.407967,"6273457"]},{"_index":"complaint-public-v1","_id":"10660565","_score":22.101566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I don't understand how Experian continues to report this fraudulent account on my credit report. The other credit bureaus such as XXXX and XXXX conducted investigations and removed this account since I am a victim of identity theft fraud. \n\nThe following fraudulent account must be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ) *The following account is the result of identity theft. \n\n*Account name : XXXX XXXX XXXX XXXX XXXX *This account does not belong to me. I have never had any commercial relationship with XXXX XXXX. \n\n*I am concerned about how this account could be associated with my name and Social Security number. I did not authorize the opening of this account or permit any third parties to conduct transactions in my name. \n\n*This account was created through identity theft and was opened without my knowledge or authorization. \n\n*Pursuant to Section 605B of the Fair Credit Reporting Act, I request that this account be immediately removed and blocked from my credit report, and that notifications be sent to all furnishers of this information as required by law.\n\n*Additionally, there is a duplicate entry of this fraudulent account on my credit report. This must be corrected promptly to ensure accuracy and compliance with my rights under the FCRA.\n\n*Notice of Potential Penalties for Non-Compliance *Under the Fair Credit Reporting Act, credit bureaus are required to investigate and correct errors, especially in cases of identity theft. If a credit bureau fails to fulfill its duties, the following penalties may apply : *Statutory Damages : Consumers are entitled to seek statutory damages, which can range from {$100.00} to {$1000.00} per violation.\n\n*Actual Damages : If the error results in harm, such as higher interest rates, loan denials, or emotional distress, I am entitled to seek compensation for actual damages.\n\n*Punitive Damages : In cases of willful non-compliance, punitive damages may be awarded as a deterrent.\n\n*Attorney 's Fees and Costs : The FCRA provides for the recovery of attorney 's fees and costs if legal action is taken.\n\n*Failure to address this issue promptly and accurately may subject the bureau to these penalties. I expect immediate compliance with the FCRA requirements to correct and permanently block this fraudulent account from my credit file. \n\n*Request for Verification Procedures *In addition, I request a detailed explanation of the procedures that XXXX has XXXX to verify this account information, as required under the Fair Credit Reporting Act. This information is essential to understand how this error was made and to prevent future occurrences.","date_sent_to_company":"2024-11-01T12:15:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33032","tags":null,"has_narrative":true,"complaint_id":"10660565","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-01T11:46:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["If a credit bureau fails to fulfill its duties, the following penalties may apply : *Statutory <em>Damages</em> : Consumers are <em>entitled</em> to seek statutory <em>damages</em>, which can range from {$100.00} to {$1000.00} per violation.\n\n*<em>Actual</em> <em>Damages</em> : If the error results in harm, such as higher interest rates, loan denials, or emotional distress, I am <em>entitled</em> to seek compensation for <em>actual</em> <em>damages</em>.\n\n*Punitive <em>Damages</em> : In cases of willful non-<em>compliance</em>, punitive <em>damages</em> may be awarded as a deterrent."]},"sort":[22.101566,"10660565"]},{"_index":"complaint-public-v1","_id":"10094717","_score":21.092075,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"*Company name DISCOVER FINANCIAL did a soft pull on my credit report on XXXX I did not initiate any transaction or relationship with DISCOVER FINANCIAL that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. \nThis unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. DISCOVER FINANCIAL willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. \n\nRelevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.\n\n15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.","date_sent_to_company":"2024-09-12T20:47:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"10094717","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-09-12T20:41:41.000Z","state":"NV","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Relevant Laws : 15 U.S.C. 1681b ( <em>FCRA</em> ) : Limits access to a consumer 's credit report to specific, permissible purposes.\n\n15 U.S.C. 1681n : <em>Entitles</em> consumers to statutory <em>damages</em> of up to {$1000.00} for willful non-<em>compliance</em> with the <em>FCRA</em>, even if no <em>actual</em> damage occurs."]},"sort":[21.092075,"10094717"]},{"_index":"complaint-public-v1","_id":"15701873","_score":20.837078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-09-03T15:08:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34203","tags":null,"has_narrative":true,"complaint_id":"15701873","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-03T14:57:59.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under <em>FCRA</em> 616 and 617, which <em>entitles</em> me to statutory, <em>actual</em>, and punitive <em>damages</em>."]},"sort":[20.837078,"15701873"]},{"_index":"complaint-public-v1","_id":"15701753","_score":20.837078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-09-03T15:08:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34203","tags":null,"has_narrative":true,"complaint_id":"15701753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-03T15:08:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under <em>FCRA</em> 616 and 617, which <em>entitles</em> me to statutory, <em>actual</em>, and punitive <em>damages</em>."]},"sort":[20.837078,"15701753"]},{"_index":"complaint-public-v1","_id":"15601759","_score":20.837078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-29T16:03:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"63114","tags":null,"has_narrative":true,"complaint_id":"15601759","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-29T16:02:30.000Z","state":"MO","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":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under <em>FCRA</em> 616 and 617, which <em>entitles</em> me to statutory, <em>actual</em>, and punitive <em>damages</em>."]},"sort":[20.837078,"15601759"]},{"_index":"complaint-public-v1","_id":"15588884","_score":20.837078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-28T14:50:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"15588884","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-28T14:49:31.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under <em>FCRA</em> 616 and 617, which <em>entitles</em> me to statutory, <em>actual</em>, and punitive <em>damages</em>."]},"sort":[20.837078,"15588884"]},{"_index":"complaint-public-v1","_id":"15501729","_score":20.837078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-25T16:20:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92410","tags":null,"has_narrative":true,"complaint_id":"15501729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-25T16:12:54.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under <em>FCRA</em> 616 and 617, which <em>entitles</em> me to statutory, <em>actual</em>, and punitive <em>damages</em>."]},"sort":[20.837078,"15501729"]},{"_index":"complaint-public-v1","_id":"15500975","_score":20.837078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-25T16:20:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92410","tags":null,"has_narrative":true,"complaint_id":"15500975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-25T16:19:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under <em>FCRA</em> 616 and 617, which <em>entitles</em> me to statutory, <em>actual</em>, and punitive <em>damages</em>."]},"sort":[20.837078,"15500975"]},{"_index":"complaint-public-v1","_id":"15500640","_score":20.837078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-25T17:07:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"55016","tags":null,"has_narrative":true,"complaint_id":"15500640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-25T17:06:47.000Z","state":"MN","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":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under <em>FCRA</em> 616 and 617, which <em>entitles</em> me to statutory, <em>actual</em>, and punitive <em>damages</em>."]},"sort":[20.837078,"15500640"]},{"_index":"complaint-public-v1","_id":"15499341","_score":20.837078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-25T17:51:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"63033","tags":null,"has_narrative":true,"complaint_id":"15499341","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-25T17:43:30.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. 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I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-22T18:18:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75087","tags":null,"has_narrative":true,"complaint_id":"15453911","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-22T18:14:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. 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I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-22T16:46:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"01801","tags":null,"has_narrative":true,"complaint_id":"15453889","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-22T16:46:00.000Z","state":"MA","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":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. 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I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-22T18:18:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75087","tags":null,"has_narrative":true,"complaint_id":"15451168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-22T18:18:21.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under <em>FCRA</em> 616 and 617, which <em>entitles</em> me to statutory, <em>actual</em>, and punitive <em>damages</em>."]},"sort":[20.837078,"15451168"]},{"_index":"complaint-public-v1","_id":"15443949","_score":20.837078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA XXXX ( b ) and XXXX, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA XXXX and XXXX, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-21T12:39:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33405","tags":null,"has_narrative":true,"complaint_id":"15443949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-21T12:39:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> XXXX ( b ) and XXXX, yet the company has failed to correct or validate the reporting. 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I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-21T16:43:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30721","tags":null,"has_narrative":true,"complaint_id":"15439116","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-21T16:43:18.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. 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I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-21T16:43:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30721","tags":null,"has_narrative":true,"complaint_id":"15439115","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-21T16:43:18.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. 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I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.","date_sent_to_company":"2025-08-20T12:27:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"50315","tags":null,"has_narrative":true,"complaint_id":"15414618","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-20T12:18:53.000Z","state":"IA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have made multiple written requests for verification in <em>compliance</em> with <em>FCRA</em> 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. 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I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. 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