{"took":258,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":11888,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7191472","_score":18.06868,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE TO SUPPRESS LISTED ACCOUNTS The FCRA states the consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Which you Transunion did not adhere to. The FCRA states that Consumer Reports must be accurate and not misleading. The word maximum, and possible mean greatest in quantity or highest in degree attainable. Accuracy, in turn means freedom from mistake or error. And being free from mistake or error means being free from a misunderstanding of the meaning or implication of something and not deviating from truth or accuracy. \n\n\n\nThe account fail to meet the accuracy standards outlined in 15 USC 1681 ( e ) ( b ) and are therefore incomplete and inaccurate and can not be reported to my report. This notice serves as a dispute regarding your failure to accurately report these accounts and its completeness and to suppress all listed accounts. \n\n\nSUPPRESS ALL LISTED ACCOUNTS BELOW. \n\n\nXXXX XXXX XXXX Inaccurate day of account opened. Inaccurate day of delinquency. Inaccurate payment history. \n\nA compliance standard was put in place In 1997 for credit reporting agencies stating that If items on a consumer credit profile, does not meet the mandatory legal guidelines to be reported it cant be on a consumer credit profile. This deviate from the standard of compliance. You are not in compliance. Remove all listed accounts immediately or legal action will be taken.","date_sent_to_company":"2023-07-01T01:01:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78748","tags":null,"has_narrative":true,"complaint_id":"7191472","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-01T00:50:33.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["A <em>compliance</em> <em>standard</em> was put in place In 1997 for credit reporting agencies stating that If items on a <em>consumer</em> credit profile, does not meet the mandatory <em>legal</em> guidelines to be reported it cant be on a <em>consumer</em> credit profile. This deviate from the <em>standard</em> of <em>compliance</em>. You are not in <em>compliance</em>. Remove all listed accounts immediately or <em>legal</em> action will be taken."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.06868,"7191472"]},{"_index":"complaint-public-v1","_id":"8036228","_score":17.763113,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment from those managing this data. Therefore, kindly furnish all available details elucidating how responsibilities towards accuracy and compliance were neglected. I formally challenge you to scrutinize your records concerning me. In accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, I contest any inaccuracies or deficiencies in reporting. The credit report I received is inaccurate, and it is surprising as adherence to FCRA and applicable Metro 2 data field formatting standards is expected.\n\nAs a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful provision of correct information in a timely manner to avoid violating any of my rights. I am aware that generic form letters have been sent in response to disputes and challenges from consumers, irrespective of the specific information provided. This is illegal, as each dispute and challenge should be addressed individually based on its merits. My letters were generated using widely available software. Failure to process my letters constitutes a violation of 15 U.S. Code 1681i.\n\nPlease note that delaying the processing of consumer letters based on assumptions of third-party assistance is not a legal exception. I am the author of any letters bearing my name, created with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be construed as an intentional disregard of my consumer rights, prompting legal action through my lawyer.","date_sent_to_company":"2023-12-20T14:52:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20772","tags":null,"has_narrative":true,"complaint_id":"8036228","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-20T14:44:08.000Z","state":"MD","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":["In accordance with the Fair Credit Reporting Act ( <em>FCRA</em> ) section 611 ( 15 U.S.C 1681I ) and Metro 2 <em>compliance</em> <em>standards</em>, I contest any inaccuracies or deficiencies in reporting. The credit report I received is inaccurate, and it is surprising as adherence to <em>FCRA</em> and applicable Metro 2 data field formatting <em>standards</em> is expected.\n\nAs a <em>consumer</em>, I have outlined concerns about your reporting in this document."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.763113,"8036228"]},{"_index":"complaint-public-v1","_id":"7186892","_score":17.756567,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE TO SUPPRESS LISTED ACCOUNTS The FCRA states the consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Which you Equifax did not adhere to. The FCRA states that Consumer Reports must be accurate and not misleading. The word maximum, and possible mean greatest in quantity or highest in degree attainable. Accuracy, in turn means freedom from mistake or error. And being free from mistake or error means being free from a misunderstanding of the meaning or implication of something and not deviating from truth or accuracy. \n\n\n\nThese accounts fail to meet the accuracy standards outlined in 15 USC 1681 ( e ) ( b ) and are therefore incomplete and inaccurate and can not be reported to my report. This notice serves as a dispute regarding your failure to accurately report these accounts and its completeness and to delete all listed accounts. \n\n\nSUPPRESS ALL LISTED ACCOUNTS BELOW. \n\n\nXXXX XXXX XXXX reporting in XXXX and XXXX of account being open. DELETE XXXX XXXX XXXX Inaccurate day of account opened. Inaccurate day of delinquency. DELETE XXXX XXXX XXXX XXXX Inaccurate date of last activity. Inaccurate reporting of amount of days late. Inaccurate payment history.Inaccurate first day of delinquency DELETE The credit reporting agencies must be in compliance with their own standards that they set in place. A compliance standard was put in place In XXXX for credit reporting agencies stating that If items on a consumer credit profile, does not meet the mandatory legal guidelines to be reported it cant be on a consumer credit profile. This deviates from the standard of compliance. You are not in compliance. This information is not accurate across all three bureaus, nor is it complete.Remove all listed accounts immediately or legal action will be taken. \n\n\n\n\nIn sum, a report must be factually, incorrect objectively likely to mislead its intended user, or both to violate the maximum accuracy standard of the fair credit reporting.","date_sent_to_company":"2023-07-01T01:11:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78748","tags":null,"has_narrative":true,"complaint_id":"7186892","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-01T01:05:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Inaccurate payment history.Inaccurate first day of delinquency DELETE The credit reporting agencies must be in <em>compliance</em> with their own <em>standards</em> that they set in place. A <em>compliance</em> <em>standard</em> was put in place In XXXX for credit reporting agencies stating that If items on a <em>consumer</em> credit profile, does not meet the mandatory <em>legal</em> guidelines to be reported it cant be on a <em>consumer</em> credit profile. This deviates from the <em>standard</em> of <em>compliance</em>. You are not in <em>compliance</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[17.756567,"7186892"]},{"_index":"complaint-public-v1","_id":"8036310","_score":17.754251,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment from those managing this data. Therefore, kindly furnish all available details elucidating how responsibilities towards accuracy and compliance were neglected. I formally challenge you to scrutinize your records concerning me. In accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, I contest any inaccuracies or deficiencies in reporting. The credit report I received is inaccurate, and it is surprising as adherence to FCRA and applicable Metro 2 data field formatting standards is expected.\n\nAs a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful provision of correct information in a timely manner to avoid violating any of my rights. I am aware that generic form letters have been sent in response to disputes and challenges from consumers, irrespective of the specific information provided. This is illegal, as each dispute and challenge should be addressed individually based on its merits. My letters were generated using widely available software. Failure to process my letters constitutes a violation of 15 U.S. Code 1681i.\n\nPlease note that delaying the processing of consumer letters based on assumptions of third-party assistance is not a legal exception. I am the author of any letters bearing my name, created with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be construed as an intentional disregard of my consumer rights, prompting legal action through my lawyer.","date_sent_to_company":"2023-12-20T14:52:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20772","tags":null,"has_narrative":true,"complaint_id":"8036310","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-20T14:52:15.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In accordance with the Fair Credit Reporting Act ( <em>FCRA</em> ) section 611 ( 15 U.S.C 1681I ) and Metro 2 <em>compliance</em> <em>standards</em>, I contest any inaccuracies or deficiencies in reporting. The credit report I received is inaccurate, and it is surprising as adherence to <em>FCRA</em> and applicable Metro 2 data field formatting <em>standards</em> is expected.\n\nAs a <em>consumer</em>, I have outlined concerns about your reporting in this document."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.754251,"8036310"]},{"_index":"complaint-public-v1","_id":"10307242","_score":17.685312,"_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":["XXXX - XXXX In <em>compliance</em> with 15 U.S. Code 1681e Whenever a <em>consumer</em> reporting agency prepares a <em>consumer</em> 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 <em>compliance</em>! DELETE at once!"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.685312,"10307242"]},{"_index":"complaint-public-v1","_id":"10302690","_score":17.685312,"_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":["XXXX - XXXX In <em>compliance</em> with XXXX XXXX XXXX XXXX Whenever a <em>consumer</em> reporting agency prepares a <em>consumer</em> 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 <em>compliance</em>! DELETE at once!"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.685312,"10302690"]},{"_index":"complaint-public-v1","_id":"10404211","_score":17.594137,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against American Express ( AMEX ) for inaccurate and unverified reporting on my credit profile with XXXX. The account in question, Account # XXXX, contains multiple discrepancies and has been misreported, resulting in unjust negative marks on my credit report. Despite prior requests, AMEX has not provided sufficient verification or evidence of compliance. Specific issues with this account include : - Incorrect Payment Status and Account Status : This account is inaccurately listed as 'Collection or ChargeOff, ' even though it was closed and legally settled with a XXXX balance. Furthermore, the Creditor Remarks inaccurately state Account Legally Paid in Full for Less than Full Balance, misrepresenting the settled nature of the account and failing to reflect a correct resolution. This status falsely represents the account and fails to meet Fair Credit Reporting Act ( FCRA ) standards for accurate and verified data reporting. \n\n- Non-Compliance with XXXX XXXX Standards : AMEX has not complied with XXXX XXXX standards for accuracy. For example : -Date Reported ( XXXX ) and Date of Last Activity ( XXXX ) are inconsistent with the accounts settled status and closed state. The dates provided imply ongoing delinquency, contradicting the fact that the account has been fully closed. \nXXXX XXXX ( XXXX or XXXX ) is inaccurately presented without proof or documentation, conflicting with the accounts true status and non-compliance with XXXX XXXX standards. \n-Term Length is inaccurately listed as XXXX, which does not apply to this revolving credit account. This further demonstrates inconsistencies in reporting. \n\n- Lack of Verification and Compliance Documentation : Despite requests, AMEX has not provided any proof of compliance with FCRA standards or XXXX XXXX formatting requirements. Under 15 U.S.C. 1681e, credit reporting agencies and furnishers must use reasonable procedures to ensure maximum possible accuracy. American Expresss failure to provide the requested verification documentation and evidence of permissible purpose for this derogatory status is a clear violation of this requirement. \n\nRelevant Legal Violations : This report lacks adherence to essential consumer protection standards : - FCRA Violations : Per 15 U.S.C. 1681e and 12 CFR Part 1022, AMEX must report accurate data, yet their reporting reflects serious inaccuracies that impact my creditworthiness. \n- XXXX XXXX Non-Compliance : Per XXXX guidelines, 'Any Deviation from These Standards Jeopardizes the Integrity of the Data. ' The inaccuracies in AMEXs reporting highlight a lack of adherence to these industry standards.","date_sent_to_company":"2024-10-09T18:53:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32168","tags":"Servicemember","has_narrative":true,"complaint_id":"10404211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-10-09T18:46:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Relevant <em>Legal</em> Violations : This report lacks adherence to essential <em>consumer</em> protection <em>standards</em> : - <em>FCRA</em> Violations : Per 15 U.S.C. 1681e and 12 CFR Part 1022, AMEX must report accurate data, yet their reporting reflects serious inaccuracies that impact my creditworthiness. \n- XXXX XXXX Non-<em>Compliance</em> : Per XXXX guidelines, 'Any Deviation from These <em>Standards</em> Jeopardizes the Integrity of the Data. ' The inaccuracies in AMEXs reporting highlight a lack of adherence to these industry <em>standards</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.594137,"10404211"]},{"_index":"complaint-public-v1","_id":"8034629","_score":17.426739,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment by those managing this information, so kindly furnish all available details outlining how accuracy and compliance responsibilities have been neglected. I officially challenge you to thoroughly review the data on file for me, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, addressing any inaccuracies or deficiencies in reporting. The credit report I received lacks accuracy, which is surprising considering the expectation that you adhere to FCRA and relevant Metro 2 data field formatting standards.\n\nAs a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful and timely provision of correct information to ensure none of my rights are violated. I am aware that you have been responding to disputes and challenges from consumers with form letters, irrespective of the specific information provided. This practice is illegal, as each dispute and challenge must be individually addressed based on its merits. My letters were generated using universally accessible software. Failure to process my letters violates 15 U.S. Code 5 1681i.\n\nPlease note that delaying the processing of consumer letters under the assumption that third-party assistance may be available is not a legal exception. I am the author of any letters bearing my name, written either by me or my advisors with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be considered an intentional disregard of my consumer rights, prompting me to involve my lawyer for legal action.","date_sent_to_company":"2023-12-20T20:28:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"199XX","tags":null,"has_narrative":true,"complaint_id":"8034629","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-20T20:22:46.000Z","state":"DE","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 officially challenge you to thoroughly review the data on file for me, in accordance with the Fair Credit Reporting Act ( <em>FCRA</em> ) Section 611 ( 15 U.S.C 1681I ) and Metro 2 <em>compliance</em> <em>standards</em>, addressing any inaccuracies or deficiencies in reporting. The credit report I received lacks accuracy, which is surprising considering the expectation that you adhere to <em>FCRA</em> and relevant Metro 2 data field formatting <em>standards</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.426739,"8034629"]},{"_index":"complaint-public-v1","_id":"8034704","_score":17.418432,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment by those managing this information, so kindly furnish all available details outlining how accuracy and compliance responsibilities have been neglected. I officially challenge you to thoroughly review the data on file for me, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, addressing any inaccuracies or deficiencies in reporting. The credit report I received lacks accuracy, which is surprising considering the expectation that you adhere to FCRA and relevant Metro 2 data field formatting standards.\n\nAs a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful and timely provision of correct information to ensure none of my rights are violated. I am aware that you have been responding to disputes and challenges from consumers with form letters, irrespective of the specific information provided. This practice is illegal, as each dispute and challenge must be individually addressed based on its merits. My letters were generated using universally accessible software. Failure to process my letters violates 15 U.S. Code 5 1681i.\n\nPlease note that delaying the processing of consumer letters under the assumption that third-party assistance may be available is not a legal exception. I am the author of any letters bearing my name, written either by me or my advisors with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be considered an intentional disregard of my consumer rights, prompting me to involve my lawyer for legal action.","date_sent_to_company":"2023-12-20T20:28:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"199XX","tags":null,"has_narrative":true,"complaint_id":"8034704","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-20T20:28:08.000Z","state":"DE","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I officially challenge you to thoroughly review the data on file for me, in accordance with the Fair Credit Reporting Act ( <em>FCRA</em> ) Section 611 ( 15 U.S.C 1681I ) and Metro 2 <em>compliance</em> <em>standards</em>, addressing any inaccuracies or deficiencies in reporting. The credit report I received lacks accuracy, which is surprising considering the expectation that you adhere to <em>FCRA</em> and relevant Metro 2 data field formatting <em>standards</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.418432,"8034704"]},{"_index":"complaint-public-v1","_id":"8034703","_score":17.418432,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment by those managing this information, so kindly furnish all available details outlining how accuracy and compliance responsibilities have been neglected. I officially challenge you to thoroughly review the data on file for me, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, addressing any inaccuracies or deficiencies in reporting. The credit report I received lacks accuracy, which is surprising considering the expectation that you adhere to FCRA and relevant Metro 2 data field formatting standards.\n\nAs a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful and timely provision of correct information to ensure none of my rights are violated. I am aware that you have been responding to disputes and challenges from consumers with form letters, irrespective of the specific information provided. This practice is illegal, as each dispute and challenge must be individually addressed based on its merits. My letters were generated using universally accessible software. Failure to process my letters violates 15 U.S. Code 5 1681i.\n\nPlease note that delaying the processing of consumer letters under the assumption that third-party assistance may be available is not a legal exception. I am the author of any letters bearing my name, written either by me or my advisors with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be considered an intentional disregard of my consumer rights, prompting me to involve my lawyer for legal action.","date_sent_to_company":"2023-12-20T20:28:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"199XX","tags":null,"has_narrative":true,"complaint_id":"8034703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-20T20:28:08.000Z","state":"DE","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 officially challenge you to thoroughly review the data on file for me, in accordance with the Fair Credit Reporting Act ( <em>FCRA</em> ) Section 611 ( 15 U.S.C 1681I ) and Metro 2 <em>compliance</em> <em>standards</em>, addressing any inaccuracies or deficiencies in reporting. The credit report I received lacks accuracy, which is surprising considering the expectation that you adhere to <em>FCRA</em> and relevant Metro 2 data field formatting <em>standards</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.418432,"8034703"]},{"_index":"complaint-public-v1","_id":"8025196","_score":17.41682,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint due to unresolved inaccuracies in my credit report related to two accounts with USAA Federal Savings Bank, as reported to XXXX. The reports contain incorrect information and do not comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. \n\nRequest for Review : I have requested USAA to review their data to ensure accuracy according to FCRA and XXXX XXXX compliance standards, including the permissible purpose and accurate sourcing of any inquiries within my credit profile.\n\nChallenged Accounts : The accounts being challenged are listed as USAA FEDERAL SAVINGS XXXX ( XXXX ) - ( XXXX ) XXXX and XXXX. \nSpecific Discrepancies : Key concerns include incorrect payment status reported as 'CollectionOrChargeOff, ' discrepancies in 'Date Opened, ' and 'Account Status ' reported as closed. These inaccuracies deviate from the required XXXX XXXX reporting standards. \nDemand for Compliance and Accuracy : I have demanded documented proof of compliance with reporting standards and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of compliance. \nIssues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and compliance with regulatory mandates for credit reporting. \nCall for Immediate Action : If USAA Federal Savings Bank fails to provide evidence of compliance and does not correct these inaccuracies, I have stated my intention to pursue legal action. \nI am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by USAA Federal Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX.","date_sent_to_company":"2023-12-19T22:15:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32168","tags":"Servicemember","has_narrative":true,"complaint_id":"8025196","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-12-19T22:12:26.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["These inaccuracies deviate from the required XXXX XXXX reporting <em>standards</em>. \nDemand for <em>Compliance</em> and Accuracy : I have demanded documented proof of <em>compliance</em> with reporting <em>standards</em> and <em>consumer</em> protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of <em>compliance</em>. \nIssues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and <em>compliance</em> with regulatory mandates for credit reporting."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.41682,"8025196"]},{"_index":"complaint-public-v1","_id":"9289966","_score":17.13026,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of XXXX XXXX compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. \n\n\n\nUpon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. \n\n\n\nIn light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 Consumer Reporting Resource Guide ( CRRG ) standards jeopardizes the integrity of dataa matter of grave concern. \n\n\n\nFurthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. \n\n\n\nIn accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. \n\n\n\nFurthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that XXXX comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.","date_sent_to_company":"2024-06-18T17:09:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33015","tags":null,"has_narrative":true,"complaint_id":"9289966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-18T17:07:39.000Z","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":["Remove any inaccuracies and false accounts promptly to comply with <em>FCRA</em> and XXXX XXXX <em>standards</em>. \n\n\n\nIn accordance with the <em>FCRA</em>, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-<em>compliance</em> will result in swift <em>legal</em> action within [ 30 days ]."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.13026,"9289966"]},{"_index":"complaint-public-v1","_id":"9291389","_score":17.118805,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of Metro 2 compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. \n\n\n\nUpon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. \n\n\n\nIn light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 Consumer Reporting Resource Guide ( CRRG ) standards jeopardizes the integrity of dataa matter of grave concern. \n\n\n\nFurthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. \n\n\n\nIn accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. \n\n\n\nFurthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by CDIA in their CRRG, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.","date_sent_to_company":"2024-06-18T15:33:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08234","tags":null,"has_narrative":true,"complaint_id":"9291389","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-18T15:30:57.000Z","state":"NJ","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":["Remove any inaccuracies and false accounts promptly to comply with <em>FCRA</em> and XXXX XXXX <em>standards</em>. \n\n\n\nIn accordance with the <em>FCRA</em>, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-<em>compliance</em> will result in swift <em>legal</em> action within [ 30 days ]."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.118805,"9291389"]},{"_index":"complaint-public-v1","_id":"9290842","_score":17.114408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section XXXX ( XXXX XXXX. XXXX ) and the shocking absence of XXXX XXXX compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. \n\n\n\nUpon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. \n\n\n\nIn light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 Consumer Reporting Resource Guide ( CRRG ) standards jeopardizes the integrity of dataa matter of grave concern. \n\n\n\nFurthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. \n\n\n\nIn accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. \n\n\n\nFurthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that XXXX comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.","date_sent_to_company":"2024-06-18T15:40:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08234","tags":null,"has_narrative":true,"complaint_id":"9290842","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-18T15:38:52.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Remove any inaccuracies and false accounts promptly to comply with <em>FCRA</em> and XXXX XXXX <em>standards</em>. \n\n\n\nIn accordance with the <em>FCRA</em>, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-<em>compliance</em> will result in swift <em>legal</em> action within [ 30 days ]."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.114408,"9290842"]},{"_index":"complaint-public-v1","_id":"9290925","_score":17.113922,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of Metro 2 compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations.\n\nUpon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and Metro 2 data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. \n\n\n\nIn light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 Consumer Reporting Resource Guide ( CRRG ) standards jeopardizes the integrity of dataa matter of grave concern.\n\nFurthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with Metro 2 standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and Metro 2 standards. \n\n\n\nIn accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. \n\n\n\nFurthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by CDIA in their CRRG, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.","date_sent_to_company":"2024-06-18T15:50:21.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33186","tags":null,"has_narrative":true,"complaint_id":"9290925","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-18T15:47:25.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Any deviation from the 2020 <em>Consumer</em> Reporting Resource Guide ( CRRG ) <em>standards</em> jeopardizes the integrity of dataa matter of grave concern.\n\nFurthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-<em>compliance</em> with Metro 2 <em>standards</em> and ensure my credit report adheres strictly to the established formatting <em>standards</em>. Remove any inaccuracies and false accounts promptly to comply with <em>FCRA</em> and Metro 2 <em>standards</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.113922,"9290925"]},{"_index":"complaint-public-v1","_id":"15391022","_score":17.079077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Late Payments Metro 2 Compliance Dear XXXX Credit Reporting Department , I am writing to formally request the removal of late payments reported on my [ Auto Loan Part Number : XXXX. ], which has been paid in full. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 reporting standards, and applicable case law that reinforces the importance of accurate and fair credit reporting. \n\nUpon reviewing my TransUnion/XXXX  credit reports, I have identified late payments that may not be in compliance with Metro 2 reporting guidelines and FCRA standards . Therefore, I respectfully request a compliance verification review. If these late payments fail to meet the accurate, complete, and timely data reporting obligations as outlined by the XXXX and federal law, I request their immediate removal from all credit bureaus. \n\nRelevant Legal Precedents and Compliance Standards 1. Fair Credit Reporting Act ( FCRA ) Violations & Consequences FCRA 1681s-2 ( a ) Data furnishers must ensure maximum possible accuracy when reporting consumer information. \nFCRA 1681s-2 ( b ) Requires furnishers to conduct a reasonable investigation when a dispute is raised. Failure to correct inaccurate or unverifiable information constitutes noncompliance. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Metro 2 Standards The XXXX Metro 2 Format mandates that furnishers provide data that is accurate, complete, and timely. \nNoncompliance with Metro 2 standards could result in the misreporting of account status, which may violate FCRA guidelines on accuracy and fairness. \n\nRelevant Case Law Supporting My Request XXXX. XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Establishes that credit reporting agencies and furnishers must conduct reasonable investigations when disputes arise. If Metro 2 compliance is not met, the account information should be removed or corrected. \nXXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces that credit furnishers must provide accurate and complete data. Inaccurate or misleading reporting is a violation of FCRA obligations. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXXXXXX XXXX XXXX  ) Found that credit reporting agencies must correct or remove incorrect negative marks when they do not adhere to FCRA standards of accuracy. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Demonstrates that failure to update and maintain accurate consumer reports can lead to damages and legal liability for the furnisher. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Confirms that consumers have the right to challenge the accuracy of reported information, and furnishers must correct errors or risk legal consequences. \n\n\nI appreciate your prompt attention to this matter. Please direct all correspondence to my mailing address provided above. If further documentation is needed, feel free to reach out. \n\nSincerely, XXXX","date_sent_to_company":"2025-08-19T16:51:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78109","tags":null,"has_narrative":true,"complaint_id":"15391022","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-19T16:51:32.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Upon reviewing my TransUnion/XXXX  credit reports, I have identified late payments that may not be in <em>compliance</em> with Metro 2 reporting guidelines and <em>FCRA</em> <em>standards</em> . Therefore, I respectfully request a <em>compliance</em> verification review. If these late payments fail to meet the accurate, complete, and timely data reporting obligations as outlined by the XXXX and federal law, I request their immediate removal from all credit bureaus. \n\nRelevant <em>Legal</em> Precedents and <em>Compliance</em> <em>Standards</em> 1."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.079077,"15391022"]},{"_index":"complaint-public-v1","_id":"15377181","_score":17.079077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Late Payments Metro 2 Compliance Dear XXXX Credit Reporting Department , I am writing to formally request the removal of late payments reported on my [ Auto Loan Part Number : XXXX. ], which has been paid in full. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 reporting standards, and applicable case law that reinforces the importance of accurate and fair credit reporting. \n\nUpon reviewing my XXXX credit reports, I have identified late payments that may not be in compliance with Metro 2 reporting guidelines and FCRA standards . Therefore, I respectfully request a compliance verification review. If these late payments fail to meet the accurate, complete, and timely data reporting obligations as outlined by the XXXX and federal law, I request their immediate removal from all credit bureaus. \n\nRelevant Legal Precedents and Compliance Standards 1. Fair Credit Reporting Act ( FCRA ) Violations & Consequences FCRA 1681s-2 ( a ) Data furnishers must ensure maximum possible accuracy when reporting consumer information. \nFCRA 1681s-2 ( b ) Requires furnishers to conduct a reasonable investigation when a dispute is raised. Failure to correct inaccurate or unverifiable information constitutes noncompliance. \n\n2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Metro 2 Standards The XXXX Metro 2 Format mandates that furnishers provide data that is accurate, complete, and timely. \nNoncompliance with Metro 2 standards could result in the misreporting of account status, which may violate FCRA guidelines on accuracy and fairness. \n\nRelevant Case Law Supporting My Request XXXX. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Establishes that credit reporting agencies and furnishers must conduct reasonable investigations when disputes arise. If Metro 2 compliance is not met, the account information should be removed or corrected. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces that credit furnishers must provide accurate and complete data. Inaccurate or misleading reporting is a violation of FCRA obligations. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX. XXXX. XXXX ) Found that credit reporting agencies must correct or remove incorrect negative marks when they do not adhere to FCRA standards of accuracy. \nXXXX. XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Demonstrates that failure to update and maintain accurate consumer reports can lead to damages and legal liability for the furnisher. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Confirms that consumers have the right to challenge the accuracy of reported information, and furnishers must correct errors or risk legal consequences. \n\n\nI appreciate your prompt attention to this matter. Please direct all correspondence to my mailing address provided above. If further documentation is needed, feel free to reach out. \n\nSincerely, XXXX","date_sent_to_company":"2025-08-19T16:51:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78109","tags":null,"has_narrative":true,"complaint_id":"15377181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-19T16:51:32.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Upon reviewing my XXXX credit reports, I have identified late payments that may not be in <em>compliance</em> with Metro 2 reporting guidelines and <em>FCRA</em> <em>standards</em> . Therefore, I respectfully request a <em>compliance</em> verification review. If these late payments fail to meet the accurate, complete, and timely data reporting obligations as outlined by the XXXX and federal law, I request their immediate removal from all credit bureaus. \n\nRelevant <em>Legal</em> Precedents and <em>Compliance</em> <em>Standards</em> 1."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.079077,"15377181"]},{"_index":"complaint-public-v1","_id":"13545313","_score":17.055021,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im reaching out because there is an item on my credit report that is not being reported in compliance with the Fair Credit Reporting Act ( FCRA ), specifically in regard to maximum accuracy standards. \n\nThe information in question is not accurate, and as such, it does not meet the legal requirement for how data should be maintained and reported on consumer credit files. This is a direct violation of the FCRA, and I expect it to be handled with the seriousness it warrants.","date_sent_to_company":"2025-05-16T16:23:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"370XX","tags":null,"has_narrative":true,"complaint_id":"13545313","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-16T16:20:43.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Im reaching out because there is an item on my credit report that is not being reported in <em>compliance</em> with the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically in regard to maximum accuracy <em>standards</em>. \n\nThe information in question is not accurate, and as such, it does not meet the <em>legal</em> requirement for how data should be maintained and reported on <em>consumer</em> credit files. This is a direct violation of the <em>FCRA</em>, and I expect it to be handled with the seriousness it warrants."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.055021,"13545313"]},{"_index":"complaint-public-v1","_id":"13554371","_score":17.052357,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im reaching out because there is an item on my credit report that is not being reported in compliance with the Fair Credit Reporting Act ( FCRA ), specifically in regard to maximum accuracy standards.\n\nThe information in question is not accurate, and as such, it does not meet the legal requirement for how data should be maintained and reported on consumer credit files. This is a direct violation of the FCRA, and I expect it to be handled with the seriousness it warrants.","date_sent_to_company":"2025-05-16T16:23:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"370XX","tags":null,"has_narrative":true,"complaint_id":"13554371","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-16T16:20:26.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Im reaching out because there is an item on my credit report that is not being reported in <em>compliance</em> with the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically in regard to maximum accuracy <em>standards</em>.\n\nThe information in question is not accurate, and as such, it does not meet the <em>legal</em> requirement for how data should be maintained and reported on <em>consumer</em> credit files. This is a direct violation of the <em>FCRA</em>, and I expect it to be handled with the seriousness it warrants."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.052357,"13554371"]},{"_index":"complaint-public-v1","_id":"13549357","_score":17.052357,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im reaching out because there is an item on my credit report that is not being reported in compliance with the Fair Credit Reporting Act ( FCRA ), specifically in regard to maximum accuracy standards.\n\nThe information in question is not accurate, and as such, it does not meet the legal requirement for how data should be maintained and reported on consumer credit files. This is a direct violation of the FCRA, and I expect it to be handled with the seriousness it warrants.","date_sent_to_company":"2025-05-16T16:23:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"370XX","tags":null,"has_narrative":true,"complaint_id":"13549357","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-16T16:19:40.000Z","state":"TN","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Im reaching out because there is an item on my credit report that is not being reported in <em>compliance</em> with the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically in regard to maximum accuracy <em>standards</em>.\n\nThe information in question is not accurate, and as such, it does not meet the <em>legal</em> requirement for how data should be maintained and reported on <em>consumer</em> credit files. This is a direct violation of the <em>FCRA</em>, and I expect it to be handled with the seriousness it warrants."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[17.052357,"13549357"]},{"_index":"complaint-public-v1","_id":"11700476","_score":16.898907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint addresses Equifaxs repeated and egregious failures to comply with federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), as well as industry standards governed by Metro 2 and the XXXX XXXX XXXX XXXX ( XXXX ) guidelines. Equifaxs inadequate handling of the XXXX account ( Account # XXXX ) and its persistent inaccuracies demonstrate a systemic disregard for its legal obligations and the harm caused to consumers like me. \n\nI urge the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to hold Equifax accountable for these violations and compel the deletion of the disputed account. \n\nDetailed Violations 1. FCRA 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy Under FCRA XXXX ( b ), Equifax is legally obligated to ensure that information reported in my credit file is accurate and complete. Despite this, Equifax continues to inaccurately report the XXXX account as a charge-off, even though the account was resolved. \n\nAccording to XXXX XXXX standards, a resolved account should reflect : Compliance Condition Code XA to suppress further reporting.\n\nAccount Status Code 13 to indicate that the account has been paid in full or settled for less than the full balance. \nSpecial Comment Code AU, which confirms that the account has been paid in full or closed at the consumers request. \nXXXX failure to update the account in compliance with these reporting standards directly violates its obligations under the FCRA to maintain accurate records. \n\nThis ongoing inaccuracy undermines the purpose of the FCRA, which is to ensure the integrity of consumer credit files. XXXX negligence has materially harmed my creditworthiness, leading to potential denials of credit, higher interest rates, and reputational damage. \n\nXXXX. FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to Conduct Meaningful Investigations XXXX response to my previous disputes has been superficial and automated, relying heavily on the e-Oscar system, which courts and regulators have criticized for failing to provide meaningful investigations. \n\nLegal Precedent : In XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized that credit reporting agencies must conduct a thorough reinvestigation of disputed information, not rely solely on automated verification by data furnishers. Equifax has violated this requirement by dismissing my disputes without reviewing the specific inaccuracies I highlighted. \nCFPB Lawsuit Against Equifax ( XXXX ) : The CFPBs enforcement action against Equifax for inadequate dispute investigations further highlights systemic failures in their dispute-resolution processes. This recent lawsuit demonstrates that Equifax is aware of its obligations yet continues to fail consumers by prioritizing expediency over accuracy. \nXXXX failure to conduct a meaningful investigation of my disputes violates FCRA 1681i ( a ) ( 1 ) ( A ) and deprives me of my right to accurate reporting. \n\nXXXX. Violations of XXXX XXXX and XXXX XXXX XXXX reporting practices are also inconsistent with Metro 2 standards and CDIA guidelines, which set the industry baseline for accurate credit reporting. Specifically : Field 41 ( Compliance Condition Code ) : Equifax failed to apply the correct compliance condition code ( XA ) to suppress reporting of this resolved account.\n\nPayment History Profile : Despite the resolution of the account, Equifax has continued to report derogatory payment history ( \" CO '' for charge-off ), further violating Metro 2 guidelines.\n\nDate of First Delinquency ( DOFD ) : Any reporting beyond the statutory seven-year window for negative information under FCRA 1681c ( a ) ( 4 ) must be suppressed. Equifax has failed to ensure compliance in this regard.\n\nBy failing to adhere to these standards, Equifax has undermined the accuracy and integrity of my credit file, rendering the account legally unreportable. \n\nLegal Precedent Supporting My XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that credit reporting agencies must go beyond automated processes when investigating disputes and engage in meaningful investigations. Equifaxs reliance on automated systems like e-Oscar violates this precedent. \nXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Reinforces that credit bureaus are responsible for investigating disputed accounts independently, rather than deferring entirely to furnishers. \nCFPB v. Equifax ( XXXX ) : The CFPB found Equifax guilty of inadequate dispute handling, including sham investigations and failure to correct inaccuracies. This case highlights Equifaxs ongoing disregard for its legal obligations, directly relevant to the failures in my case. \nRequested Resolutions To rectify these violations and restore the integrity of my credit file, I request the following resolutions : Immediate Deletion of the XXXX Account : Permanently delete this account from my credit file. Its inaccuracies, coupled with violations of Metro 2 standards and the FCRA, render it unreportable. \nUpdated Credit Report : Provide a corrected credit report reflecting the deletion of this account and removal of all associated derogatory notations, including Charge-Off status and negative payment history.\n\nAudit and Process Improvements : Conduct a comprehensive internal audit of Equifaxs dispute-handling procedures, focusing on its reliance on e-Oscar. Implement corrective actions, including : Training for personnel to ensure compliance with FCRA and Metro 2 standards.\n\nEnhancements to dispute resolution processes to include manual reviews.\n\nFormal Written Acknowledgment : Issue a formal acknowledgment of these errors, with an explanation of corrective measures taken and assurances that such failures will not recur.\n\nFinancial Compensation ( if applicable ) : If the inaccurate reporting resulted in financial harm ( e.g., denial of credit, increased interest rates ), Equifax must provide appropriate compensation.\n\nCommitment to Future Compliance : Equifax must demonstrate ongoing compliance with FCRA, Metro 2, and CDIA standards by submitting to regular compliance reviews and reporting the results to the CFPB. \nConclusion Equifaxs repeated failures to ensure the accuracy of my credit report and its reliance on sham investigations represent gross violations of its statutory duties under the FCRA and industry standards. These failures have caused material harm to my financial standing and creditworthiness. \n\nAs established in XXXX XXXX XXXX XXXX and reinforced by the CFPB v. Equifax ( XXXX ) lawsuit, Equifax is legally obligated to provide accurate reporting and conduct meaningful investigations into consumer disputes. The systemic issues highlighted in this complaint render the XXXX account unreportable under both federal law and industry standards. \n\nI respectfully request that the CFPB compel Equifax to : Immediately delete the XXXX account, Issue a corrected credit report, Conduct an internal audit, and Ensure future compliance to prevent similar violations.","date_sent_to_company":"2025-01-22T20:04:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33165","tags":null,"has_narrative":true,"complaint_id":"11700476","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-22T19:54:26.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Commitment to Future <em>Compliance</em> : Equifax must demonstrate ongoing <em>compliance</em> with <em>FCRA</em>, Metro 2, and CDIA <em>standards</em> by submitting to regular <em>compliance</em> reviews and reporting the results to the CFPB. \nConclusion Equifaxs repeated failures to ensure the accuracy of my credit report and its reliance on sham investigations represent gross violations of its statutory duties under the <em>FCRA</em> and industry <em>standards</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[16.898907,"11700476"]},{"_index":"complaint-public-v1","_id":"9415627","_score":16.843225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. \n\nPlease send the following information used to validate the validity of the invalidated items below : XXXX XXXX  Account NumbeXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-07-03T15:18:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29690","tags":null,"has_narrative":true,"complaint_id":"9415627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-03T15:12:10.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["With the Fair Credit Reporting Act ( <em>FCRA</em> ) section 611 ( 15 U S C 1681I ) and XXXX XXXX <em>compliance</em> <em>standards</em>, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the <em>FCRA</em> and applicable XXXX XXXX data field formatting <em>standards</em>. As a <em>consumer</em>, I have listed the concerns about your reporting in this document."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.843225,"9415627"]},{"_index":"complaint-public-v1","_id":"9415680","_score":16.83903,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. \n\nPlease send the following information used to validate the validity of the invalidated items below : XXXX XXXX  Account NumberXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-07-03T15:18:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29690","tags":null,"has_narrative":true,"complaint_id":"9415680","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-03T15:18:19.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["With the Fair Credit Reporting Act ( <em>FCRA</em> ) section 611 ( 15 U S C 1681I ) and XXXX XXXX <em>compliance</em> <em>standards</em>, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the <em>FCRA</em> and applicable XXXX XXXX data field formatting <em>standards</em>. As a <em>consumer</em>, I have listed the concerns about your reporting in this document."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[16.83903,"9415680"]},{"_index":"complaint-public-v1","_id":"9415678","_score":16.83903,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. \n\nPlease send the following information used to validate the validity of the invalidated items below : XXXX XXXX  Account Number:XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-07-03T15:18:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29690","tags":null,"has_narrative":true,"complaint_id":"9415678","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-03T15:18:19.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["With the Fair Credit Reporting Act ( <em>FCRA</em> ) section 611 ( 15 U S C 1681I ) and XXXX XXXX <em>compliance</em> <em>standards</em>, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the <em>FCRA</em> and applicable XXXX XXXX data field formatting <em>standards</em>. As a <em>consumer</em>, I have listed the concerns about your reporting in this document."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.83903,"9415678"]},{"_index":"complaint-public-v1","_id":"8166580","_score":16.61921,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've identified several deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the information in my report. Consequently, I refute the allegations against me and challenge you to substantiate the reporting of this incomplete negative information on my credit report. \n\nAs per 15 U.S.C 1681e, consumer reporting agencies must adhere to reasonable procedures to ensure the utmost accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) stipulates that furnishers must provide information about consumer accounts with integrity and accuracy, conducting reasonable investigations of consumer disputes following Metro 2 compliance standards outlined in the XXXX. \n\nDeparting from these standards jeopardizes the integrity of the data, as highlighted in the XXXX. Reporting errors can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my request would signify a disregard for my consumer rights. \n\nReporting unconfirmed and potentially unethical information that does not meet certified standards is unjust. I dispute these claims and request evidence of proper reporting standards. Your actions are a violation of my rights, as detailed in this document. The incomplete and non-compliant nature of the report fails to meet legal standards. I demand certification of all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to comply may prompt me to escalate these issues to the CFPB, FTC, and my Attorney General.","date_sent_to_company":"2024-01-17T20:49:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"925XX","tags":null,"has_narrative":true,"complaint_id":"8166580","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-17T20:49:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I demand certification of all aspects of required <em>FCRA</em>/Metro 2 <em>compliance</em> truthfully, correctly, and in a timely manner. 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