{"took":283,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1517,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11775595","_score":16.41196,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have sent multiple rounds of dispute letters to XXXX and Equifax regarding numerous inaccuracies on my credit reports, including incorrect payment statuses, discrepancies in late payment counts, and unauthorized hard inquiries. Despite providing detailed documentation, including evidence of payments and timelines, both credit reporting agencies have failed to properly investigate or resolve these disputes. \n\nSome disputes were marked as \" frivolous '' without valid justification, and the agencies did not provide sufficient evidence to support their findings or corrections. This failure to act in compliance with the Fair Credit Reporting Act ( FCRA ) has caused significant harm, including damage to my credit score and emotional distress. \n\nI requested the following from the companies : Documentation verifying the accuracy of the disputed accounts. \nStatements of payments made and missed. \nProof of investigation results and decisions made regarding my disputes. \nTo date, neither XXXX nor Equifax has adequately addressed these requests. They have failed to comply with their legal obligations under the FCRA, particularly Section 1681o, which requires reasonable measures to ensure the accuracy of credit reports and proper investigation procedures. \n\nI seek the following resolution : A thorough reinvestigation of all disputed items with written confirmation of the results. \nCorrection or deletion of inaccurate or unverifiable information from my credit reports. \nProof of compliance with FCRA requirements for each disputed item. \nI request that the CFPB intervene to ensure these companies comply with the law and address my disputes promptly.","date_sent_to_company":"2025-01-27T02:04:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77380","tags":null,"has_narrative":true,"complaint_id":"11775595","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-27T02:04:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They have failed to comply with their legal obligations under the <em>FCRA</em>, <em>particularly</em> Section 1681o, which requires reasonable measures to ensure the accuracy of credit reports and proper <em>investigation</em> procedures. \n\nI seek the following resolution : A thorough reinvestigation of all disputed items with written confirmation of the results. \nCorrection or deletion of inaccurate or unverifiable information from my credit reports. \nProof of <em>compliance</em> with <em>FCRA</em> requirements for each disputed item."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.41196,"11775595"]},{"_index":"complaint-public-v1","_id":"11775245","_score":16.376057,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have sent multiple rounds of dispute letters to Experian and XXXX regarding numerous inaccuracies on my credit reports, including incorrect payment statuses, discrepancies in late payment counts, and unauthorized hard inquiries. Despite providing detailed documentation, including evidence of payments and timelines, both credit reporting agencies have failed to properly investigate or resolve these disputes. \n\nSome disputes were marked as \" frivolous '' without valid justification, and the agencies did not provide sufficient evidence to support their findings or corrections. This failure to act in compliance with the Fair Credit Reporting Act ( FCRA ) has caused significant harm, including damage to my credit score and emotional distress. \n\nI requested the following from the companies : Documentation verifying the accuracy of the disputed accounts. \nStatements of payments made and missed. \nProof of investigation results and decisions made regarding my disputes. \nTo date, neither Experian nor XXXX has adequately addressed these requests. They have failed to comply with their legal obligations under the FCRA, particularly Section 1681o, which requires reasonable measures to ensure the accuracy of credit reports and proper investigation procedures. \n\nI seek the following resolution : A thorough reinvestigation of all disputed items with written confirmation of the results. \nCorrection or deletion of inaccurate or unverifiable information from my credit reports. \nProof of compliance with FCRA requirements for each disputed item. \nI request that the CFPB intervene to ensure these companies comply with the law and address my disputes promptly.","date_sent_to_company":"2025-01-27T02:04:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77380","tags":null,"has_narrative":true,"complaint_id":"11775245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-27T01:08:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They have failed to comply with their legal obligations under the <em>FCRA</em>, <em>particularly</em> Section 1681o, which requires reasonable measures to ensure the accuracy of credit reports and proper <em>investigation</em> procedures. \n\nI seek the following resolution : A thorough reinvestigation of all disputed items with written confirmation of the results. \nCorrection or deletion of inaccurate or unverifiable information from my credit reports. \nProof of <em>compliance</em> with <em>FCRA</em> requirements for each disputed item."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.376057,"11775245"]},{"_index":"complaint-public-v1","_id":"8849135","_score":15.970459,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Regarding my recent review of my credit report, I identified several discrepancies that require immediate attention. Notably, there are accounts listed under XXXX XXXX XXXX  and XXXX XXXX XXXX  that do not belong to me. These inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I.\n\nThese inaccuracies have the potential to adversely impact my creditworthiness and financial standing. Therefore, I request a thorough investigation into the reported accounts and personal information discrepancies. Additionally, I seek immediate correction of the inaccuracies in the reported accounts, including removal of those accounts. \n\nI urge prompt action to rectify these issues and ensure compliance with FCRA regulations in the future. Please provide a written confirmation detailing the corrections made and the actions taken to address the violations of the FCRA.","date_sent_to_company":"2024-04-25T01:16:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38122","tags":null,"has_narrative":true,"complaint_id":"8849135","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-25T00:56:25.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Therefore, I request a thorough <em>investigation</em> into the reported accounts and personal information discrepancies. Additionally, I seek immediate correction of the inaccuracies in the reported accounts, including removal of those accounts. \n\nI urge prompt action to rectify these issues and ensure <em>compliance</em> with <em>FCRA</em> regulations in the future. Please provide a written confirmation detailing the corrections made and the actions taken to address the violations of the <em>FCRA</em>."]},"sort":[15.970459,"8849135"]},{"_index":"complaint-public-v1","_id":"8849119","_score":15.958828,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Regarding my recent review of my credit report, I identified several discrepancies that require immediate attention. Notably, there are accounts listed under XXXX XXXXXXXX XXXX and XXXX XXXX XXXX  that do not belong to me. These inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I.\n\nThese inaccuracies have the potential to adversely impact my creditworthiness and financial standing. Therefore, I request a thorough investigation into the reported accounts and personal information discrepancies. Additionally, I seek immediate correction of the inaccuracies in the reported accounts, including removal of those accounts.\n\nI urge prompt action to rectify these issues and ensure compliance with FCRA regulations in the future. Please provide a written confirmation detailing the corrections made and the actions taken to address the violations of the FCRA.","date_sent_to_company":"2024-04-25T01:16:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38122","tags":null,"has_narrative":true,"complaint_id":"8849119","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-25T01:16:22.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Regarding</em> my recent review of my credit report, I identified several discrepancies that require immediate attention. Notably, there are accounts listed under XXXX XXXXXXXX XXXX and XXXX XXXX XXXX  that do not belong to me. These inaccuracies constitute violations of the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>particularly</em> 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I."]},"sort":[15.958828,"8849119"]},{"_index":"complaint-public-v1","_id":"13439379","_score":15.952106,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding XXXX XXXX XXXX XXXX  that is being inaccurately reported to multiple Credit Reporting Agencies. I have attempted multiple times to dispute this account directly with the furnisher and the credit reporting agencies, but the information remains and continues to cause harm to my credit profile. \nThe payment history reflects fabricated and inconsistent reporting, including multiple charge-off notations across different months, which is not possible under accurate credit reporting standards. An account can only be charged off once. \n\nThe information reported is unverifiable, misleading, and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 1681e ( b ) failure to ensure maximum possible accuracy ; FCRA 1681i failure to reasonably investigate disputes ; FCRA 1681s-2 ( b ) failure to correct or delete inaccurate information after notice of dispute. \n\nI am not seeking correction of this data. I am demanding a full deletion of the account from my credit report due to its unlawful reporting practices and non-compliance with XXXX XXXX reporting standards.","date_sent_to_company":"2025-05-09T17:40:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13439379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-09T17:40:19.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The information reported is unverifiable, misleading, and not in <em>compliance</em> with the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>particularly</em> : <em>FCRA</em> 1681e ( b ) failure to ensure maximum possible accuracy ; <em>FCRA</em> 1681i failure to reasonably <em>investigate</em> disputes ; <em>FCRA</em> 1681s-2 ( b ) failure to correct or delete inaccurate information after notice of dispute. \n\nI am not seeking correction of this data."]},"sort":[15.952106,"13439379"]},{"_index":"complaint-public-v1","_id":"13430277","_score":15.952106,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding Capital One Credit Card that is being inaccurately reported to multiple Credit Reporting Agencies. I have attempted multiple times to dispute this account directly with the furnisher and the credit reporting agencies, but the information remains and continues to cause harm to my credit profile.\n\nThe payment history reflects fabricated and inconsistent reporting, including multiple charge-off notations across different months, which is not possible under accurate credit reporting standards. An account can only be charged off once.\n\nThe information reported is unverifiable, misleading, and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 1681e ( b ) failure to ensure maximum possible accuracy ; FCRA 1681i failure to reasonably investigate disputes ; FCRA 1681s-2 ( b ) failure to correct or delete inaccurate information after notice of dispute.\n\nI am not seeking correction of this data. I am demanding a full deletion of the account from my credit report due to its unlawful reporting practices and non-compliance with Metro 2 reporting standards.","date_sent_to_company":"2025-05-09T17:40:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13430277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-05-09T17:30:53.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The information reported is unverifiable, misleading, and not in <em>compliance</em> with the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>particularly</em> : <em>FCRA</em> 1681e ( b ) failure to ensure maximum possible accuracy ; <em>FCRA</em> 1681i failure to reasonably <em>investigate</em> disputes ; <em>FCRA</em> 1681s-2 ( b ) failure to correct or delete inaccurate information after notice of dispute.\n\nI am not seeking correction of this data."]},"sort":[15.952106,"13430277"]},{"_index":"complaint-public-v1","_id":"13421530","_score":15.943418,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding XXXX XXXX XXXX XXXX that is being inaccurately reported to multiple Credit Reporting Agencies. I have attempted multiple times to dispute this account directly with the furnisher and the credit reporting agencies, but the information remains and continues to cause harm to my credit profile. \nThe payment history reflects fabricated and inconsistent reporting, including multiple charge-off notations across different months, which is not possible under accurate credit reporting standards. An account can only be charged off once. \n\nThe information reported is unverifiable, misleading, and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 1681e ( b ) failure to ensure maximum possible accuracy ; FCRA 1681i failure to reasonably investigate disputes ; FCRA 1681s-2 ( b ) failure to correct or delete inaccurate information after notice of dispute. \n\nI am not seeking correction of this data. I am demanding a full deletion of the account from my credit report due to its unlawful reporting practices and non-compliance with XXXX XXXX reporting standards.","date_sent_to_company":"2025-05-09T17:40:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13421530","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-09T17:40:19.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The information reported is unverifiable, misleading, and not in <em>compliance</em> with the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>particularly</em> : <em>FCRA</em> 1681e ( b ) failure to ensure maximum possible accuracy ; <em>FCRA</em> 1681i failure to reasonably <em>investigate</em> disputes ; <em>FCRA</em> 1681s-2 ( b ) failure to correct or delete inaccurate information after notice of dispute. \n\nI am not seeking correction of this data."]},"sort":[15.943418,"13421530"]},{"_index":"complaint-public-v1","_id":"8849021","_score":15.932932,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Regarding my recent review of my credit report, I identified several discrepancies that require immediate attention. Notably, there are accounts listed under XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX that do not belong to me. These inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I.\n\nThese inaccuracies have the potential to adversely impact my creditworthiness and financial standing. Therefore, I request a thorough investigation into the reported accounts and personal information discrepancies. Additionally, I seek immediate correction of the inaccuracies in the reported accounts, including removal of those accounts.\n\nI urge prompt action to rectify these issues and ensure compliance with FCRA regulations in the future. Please provide a written confirmation detailing the corrections made and the actions taken to address the violations of the FCRA.","date_sent_to_company":"2024-04-25T01:16:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38122","tags":null,"has_narrative":true,"complaint_id":"8849021","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-25T01:16:22.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Regarding</em> my recent review of my credit report, I identified several discrepancies that require immediate attention. Notably, there are accounts listed under XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX that do not belong to me. These inaccuracies constitute violations of the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>particularly</em> 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I."]},"sort":[15.932932,"8849021"]},{"_index":"complaint-public-v1","_id":"7939168","_score":15.5498495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am reaching out to bring to your attention concerns regarding the handling of my credit information by Lexis Nexis. I believe there may be a violation of the provisions outlined in 15 U.S. Code 1681s2 ( a ) of the Fair Credit Reporting Act ( FCRA ). \nPersonal Tracking Information : XXXX XXXX XXXX XXXX XXXX ( XX/XX/2023 ) XXXX ( XX/XX/2023 ) XXXXXXXX XXXX XXXX I am disputing XXXX XXXX XXXX information listed on my credit report, as reported by Lexis Nexis to XXXX. \nDespite multiple requests, I have not received proof of the verification process for the updated information, particularly regarding its accuracy. Regrettably, Lexis Nexis has failed to provide any documentation, raising concerns about their compliance with the FCRA and their responsibility to furnish accurate information. According to Pacer and the US Bankruptcy Court, they do not provide this information to third parties.\n\nIn light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a comprehensive investigation into Lexis Nexis ' practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate removal of the unverified and inaccurate information from my credit report. \nYour attention to this matter is essential for ensuring fair and accurate credit reporting, and I appreciate your assistance in promptly resolving this issue. \nSincerely, XXXX XXXX","date_sent_to_company":"2023-12-03T19:59:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48234","tags":null,"has_narrative":true,"complaint_id":"7939168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-12-03T19:52:51.000Z","state":"MI","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Despite multiple requests, I have not received proof of the verification process for the updated information, <em>particularly</em> <em>regarding</em> its accuracy. Regrettably, Lexis Nexis has failed to provide any documentation, raising concerns about their <em>compliance</em> with the <em>FCRA</em> and their responsibility to furnish accurate information. According to Pacer and the US Bankruptcy Court, they do not provide this information to third parties."]},"sort":[15.5498495,"7939168"]},{"_index":"complaint-public-v1","_id":"8880734","_score":15.470621,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation and Review of Credit Report Dispute Resolution To Whom It May Concern, I am writing to formally challenge the conclusions reached in your recent investigation regarding the account ending in XXXX, as reported by XXXX XXXX XXXX XXXX XXXX. Your response dated XX/XX/2024, states that adjustments have been made to my credit file. However, it fails to provide a comprehensive disclosure of the investigative process, including crucial documentation that verifies the legitimacy of the data furnished and its compliance with applicable laws and standards. \n\nDemand for Evidence and Compliance Verification : Documentation of Authority and Accuracy : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( a ) ( 6 ) ( B ) ( iii ), I request detailed documentation that supports the results of your investigation. This should include : A copy of the original contract or agreement with XXXX XXXX XXXX XXXX XXXX. \nCorrespondence or transaction records that validate the reported data. \nVerification of Calculation and Reporting Standards : In light of XXXX XXXX XXXX XXXX ( XXXX ) guidelines, particularly those related to the reporting of credit losses under XXXX XXXX, provide evidence of the methodology used in determining the \" Charge Off Amount '' and its alignment with Generally Accepted Accounting Principles ( GAAP ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulations : Given the amendments under the Bank Secrecy Act ( BSA ) and its XXXX frameworks, please furnish details showing your compliance with these regulations during the data furnishing and investigation processes, particularly concerning the verification of my identity and the prevention of fraudulent reporting. \n\nResolution and Compliance Demand : I think your response 's discrepancies in the reporting and the lack of transparency are concerning. They suggest potential non-compliance with the FCRA and other relevant statutes, which may lead to legal ramifications affecting both our parties. Failure to adequately address these concerns might compel me to take further legal action, including but not limited to seeking statutory damages under FCRA 1681n and 1681o for willful and negligent noncompliance. \n\nI expect a response within 30 days of this letter, detailing the actions you have taken to rectify these issues and including all requested documents. Please treat this matter with the urgency and diligence it requires. \n\nSincerely, XXXX XXXXXXXX XXXX XXXX XXXX without prejudice, all natural inalienable rights reserved. \n\n\ncc : Consumer Financial Protection Bureau New York Department of Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-04-29T22:27:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11433","tags":null,"has_narrative":true,"complaint_id":"8880734","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-29T22:20:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulations : Given the amendments under the Bank Secrecy Act ( BSA ) and its XXXX frameworks, please furnish details showing your <em>compliance</em> with these regulations during the data furnishing and <em>investigation</em> processes, <em>particularly</em> concerning the verification of my identity and the prevention of fraudulent reporting. \n\nResolution and <em>Compliance</em> Demand : I think your response 's discrepancies in the reporting and the lack of transparency are concerning."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.470621,"8880734"]},{"_index":"complaint-public-v1","_id":"13422588","_score":15.402377,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding the XXXX XXXX account issued by XXXX XXXX Bank that is being inaccurately reported to XXXX. I have attempted multiple times to dispute this account directly with the furnisher and the credit reporting agencies, but the information remains and continues to cause harm to my credit profile. \n\nIssues and Legal Violations : The payment history reflects fabricated and inconsistent reporting, including multiple charge-off notations across different months, which is not possible under accurate credit reporting standards. An account can only be charged off once. \n\nThe account shows good standing before jumping to XXXX day delinquencies, which is factually impossible within a XXXX billing cycle. \n\nThe information reported is unverifiable, misleading, and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly : FCRA XXXX ( b ) failure to ensure maximum possible accuracy ; FCRA XXXX failure to reasonably investigate disputes ; FCRA XXXX ( b ) failure to correct or delete inaccurate information after notice of dispute. \n\nI am not seeking correction of this data. I am demanding a full deletion of the account from my credit report due to its unlawful reporting practices and non-compliance with XXXX XXXX reporting standards.","date_sent_to_company":"2025-05-09T15:24:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13422588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-09T15:24:07.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The information reported is unverifiable, misleading, and not in <em>compliance</em> with the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>particularly</em> : <em>FCRA</em> XXXX ( b ) failure to ensure maximum possible accuracy ; <em>FCRA</em> XXXX failure to reasonably <em>investigate</em> disputes ; <em>FCRA</em> XXXX ( b ) failure to correct or delete inaccurate information after notice of dispute. \n\nI am not seeking correction of this data."]},"sort":[15.402377,"13422588"]},{"_index":"complaint-public-v1","_id":"11478734","_score":15.399707,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a certified letter to Experian that was delivered on XX/XX/year>, requesting detailed information about how my dispute regarding accounts from XXXX and XXXX was investigated. I am attaching a copy of the letter for your reference. \n\nIt has been 7 days since the certified letter was delivered, and I have yet to receive any response from Experian. Under the FCRA, specifically 15 U.S.C. 1681i ( a ), when a consumer requests information about how their dispute was investigated, the credit reporting agency is required to provide that information, including details of the investigation procedures. The lack of response from Experian suggests they may not have this information, raising serious concerns about the validity of these accounts, particularly since they appear to be inaccurate or unsubstantiated. \n\nAs a consumer, I am entitled to have my rights protected, and I am extremely frustrated with Experian 's continuous failure to adhere to the law. This includes both failure to respond within the required timeframe and failure to provide the necessary information regarding how my dispute was handled. At this point, it is clear that Experian is not in compliance with the FCRA, and I ask your office to take action to resolve this matter. \n\nThis is my second complaint regarding this matter and I am seeking an update on the status of my case. Experian must be held accountable for their violations of the law, and as a consumer, I request your immediate assistance in ensuring that my rights are upheld.","date_sent_to_company":"2025-01-11T04:46:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"39402","tags":null,"has_narrative":true,"complaint_id":"11478734","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-11T04:35:44.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["This includes both failure to respond within the required timeframe and failure to provide the necessary information <em>regarding</em> how my dispute was handled. At this point, it is clear that Experian is not in <em>compliance</em> with the <em>FCRA</em>, and I ask your office to take action to resolve this matter. \n\nThis is my second complaint <em>regarding</em> this matter and I am seeking an update on the status of my case."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.399707,"11478734"]},{"_index":"complaint-public-v1","_id":"13427199","_score":15.393726,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding the XXXX XXXX account issued by XXXX XXXX XXXX  that is being inaccurately reported to Experian. I have attempted multiple times to dispute this account directly with the furnisher and the credit reporting agencies, but the information remains and continues to cause harm to my credit profile. \n\nIssues and Legal Violations : The payment history reflects fabricated and inconsistent reporting, including multiple charge-off notations across different months, which is not possible under accurate credit reporting standards. An account can only be charged off once.\n\nThe account shows good standing before jumping to 90+ day delinquencies, which is factually impossible within a 30-day billing cycle.\n\nThe information reported is unverifiable, misleading, and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 1681e ( b ) failure to ensure maximum possible accuracy ; FCRA 1681i failu\nre to reasonably investigate disputes ; FCRA 1681s-2 ( b ) failure to correct or delete inaccurate information after notice of dispute.\n\nI am not seeking correction of this data. I am demanding a full deletion of the account from my credit report due to its unlawful reporting practices and non-compliance with Metro 2 reporting standards.","date_sent_to_company":"2025-05-09T15:24:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13427199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-09T15:24:07.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The information reported is unverifiable, misleading, and not in <em>compliance</em> with the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>particularly</em> : <em>FCRA</em> 1681e ( b ) failure to ensure maximum possible accuracy ; <em>FCRA</em> 1681i failu\nre to reasonably <em>investigate</em> disputes ; <em>FCRA</em> 1681s-2 ( b ) failure to correct or delete inaccurate information after notice of dispute.\n\nI am not seeking correction of this data."]},"sort":[15.393726,"13427199"]},{"_index":"complaint-public-v1","_id":"13427691","_score":15.390816,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding the Apple Card account issued by Goldman Sachs Bank that is being inaccurately reported to Experian. I have attempted multiple times to dispute this account directly with the furnisher and the credit reporting agencies, but the information remains and continues to cause harm to my credit profile. \n\nIssues and Legal Violations : The payment history reflects fabricated and inconsistent reporting, including multiple charge-off notations across different months, which is not possible under accurate credit reporting standards. An account can only be charged off once. \n\nThe account shows good standing before jumping to XXXX day delinquencies, which is factually impossible within a XXXX billing cycle. \n\nThe information reported is unverifiable, misleading, and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly : FCRA XXXX ( b ) failure to ensure maximum possible accuracy ; FCRA XXXX failure to reasonably investigate disputes ; FCRA XXXX ( b ) failure to correct or delete inaccurate information after notice of dispute. \n\nI am not seeking correction of this data. I am demanding a full deletion of the account from my credit report due to its unlawful reporting practices and non-compliance with XXXX XXXX reporting standards.","date_sent_to_company":"2025-05-09T15:24:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13427691","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-05-09T15:06:06.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The information reported is unverifiable, misleading, and not in <em>compliance</em> with the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>particularly</em> : <em>FCRA</em> XXXX ( b ) failure to ensure maximum possible accuracy ; <em>FCRA</em> XXXX failure to reasonably <em>investigate</em> disputes ; <em>FCRA</em> XXXX ( b ) failure to correct or delete inaccurate information after notice of dispute. \n\nI am not seeking correction of this data."]},"sort":[15.390816,"13427691"]},{"_index":"complaint-public-v1","_id":"11611410","_score":15.389898,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements, particularly 15 USC 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). Despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refused to conduct proper investigations or correct the errors as mandated by law. \n\nOn XX/XX/XXXX, I sent dispute letters to Equifax regarding XXXX XXXX, XXXX a/c XXXX. I provided detailed evidence supporting my disputes, yet Equifax either failed to respond adequately or continued reporting incorrect information. This failure has caused harm to my credit score, impacting my ability to secure credit. \n\nThe recent CFPB enforcement action ( CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, XX/XX/XXXX ) demonstrates a pattern of non-compliance by Equifax. My experience aligns with the improper practices highlighted in this lawsuit, including a lack of diligence in investigating consumer disputes.","date_sent_to_company":"2025-01-21T00:20:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"11611410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-20T23:35:29.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to file a complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) requirements, <em>particularly</em> 15 USC 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). Despite multiple written disputes <em>regarding</em> inaccuracies on my credit report, Equifax has refused to conduct proper <em>investigations</em> or correct the errors as mandated by law. \n\nOn XX/XX/XXXX, I sent dispute letters to Equifax <em>regarding</em> XXXX XXXX, XXXX a/c XXXX."]},"sort":[15.389898,"11611410"]},{"_index":"complaint-public-v1","_id":"8920420","_score":15.283381,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Equifax regarding their failure to conduct a proper investigation into an identity theft issue, despite repeated requests and submission of required documentation. This has caused significant distress and financial harm to me. \n\nOn XX/XX/2024, I contacted Equifax to report a case of identity theft and requested a thorough investigation into the matter. I provided all necessary documentation including a photocopy of my driver 's license, a copy of my XXXX XXXX  XXXX, and a copy of a recent utility bill as proof of identity. Despite submitting these documents, Equifax sent me a stall letter stating that they needed the same documents, which had already been provided. This demonstrates a blatant disregard for consumer requests and a failure to comply with the Fair Credit Reporting Act ( FCRA ). \n\nFurthermore, I explicitly requested that Equifax place a block on any information resulting from the identity theft and to delete any fraudulent accounts associated with it, particularly XXXX with XXXX. However, Equifax has not taken any action to address these concerns, which is in direct violation of the FCRA. \n\nEquifax 's negligence in handling my case not only violates federal laws but also undermines the purpose of consumer protection regulations. By failing to conduct a proper investigation and ignoring my requests for resolution, Equifax has allowed fraudulent activity to persist, putting my financial well-being at risk. \n\nI demand that Equifax promptly conducts a thorough investigation into the identity theft issue, places a block on any fraudulent information, and deletes any accounts associated with the identity theft, particularly with XXXX. Additionally, I expect Equifax to provide me with a detailed report of the actions taken to resolve this matter. \n\nI urge the Consumer Financial Protection Bureau to investigate this complaint thoroughly and take appropriate action against Equifax for their non-compliance with FCRA regulations and their failure to protect consumer rights. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-05-03T23:59:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92243","tags":null,"has_narrative":true,"complaint_id":"8920420","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-03T23:45:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I urge the Consumer Financial Protection Bureau to <em>investigate</em> this complaint thoroughly and take appropriate action against Equifax for their non-<em>compliance</em> with <em>FCRA</em> regulations and their failure to protect consumer rights. \n\nThank you for your attention to this matter."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"]},"sort":[15.283381,"8920420"]},{"_index":"complaint-public-v1","_id":"16955993","_score":15.268631,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute inaccurate information on my TransUnion credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 607 ( b ), I request that you conduct a full and thorough investigation into the following items, as they do not comply with Metro 2 compliance standards for accuracy.\n\nDisputed Accounts : 1. Account Name : [ Insert Creditor Name ] Account Number : [ Insert Account Number ] Issue : [ Charge-off, Late Payments, etc. ] Dispute Details : The account has been inaccurately reported with a balance, payment history, or delinquency status that does not align with the account 's actual activity. I am requesting a complete investigation into this account for accuracy, particularly regarding the Date of First Delinquency ( DOFD ) and Account Status as per Metro 2 requirements.\n\n2. [ Continue with additional accounts if applicable ]","date_sent_to_company":"2025-10-31T11:31:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"068XX","tags":null,"has_narrative":true,"complaint_id":"16955993","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-31T11:28:28.000Z","state":"CT","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":["Pursuant to the Fair Credit Reporting Act ( <em>FCRA</em> ) 607 ( b ), I request that you conduct a full and thorough <em>investigation</em> into the following items, as they do not comply with Metro 2 <em>compliance</em> standards for accuracy.\n\nDisputed Accounts : 1."]},"sort":[15.268631,"16955993"]},{"_index":"complaint-public-v1","_id":"11885301","_score":15.232262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Dispute Resolution Team, I am writing to formally dispute the accuracy of credit report information regarding the account with XXXX XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, I request a thorough investigation into the disputed entries listed on my credit report. \n\nAccount Details : Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$22000.00} Status : Charged off with {$4400.00} past due as of XX/XX/year> Disputed Entries and FCRA Compliance : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that the credit reporting agencies promptly investigate disputed information from consumers and correct or delete any inaccurate, incomplete, or unverifiable information.\n\nFCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information provide accurate and complete information to the credit reporting agencies.\n\nDetailed Requests for Compliance : Investigation Method : Please describe the procedures used in your investigation, consistent with FCRA requirements. \nDocumentation and Evidence : I request copies of all documents, records, and other evidence sourced from the furnisher during your investigation. \nContact Information : Please provide contact details for the furnishers involved, allowing me to verify the information independently. \nResults of the Investigation : A detailed report of the investigation 's findings is requested, along with an explanation of the determination. \nUpdated Credit Report : Should changes occur based on the investigation findings, a free copy of my updated credit report is requested post-correction.\n\nCompliance Assurance : Confirm that all investigation procedures adhere strictly to the stipulated FCRA guidelines. \nWritten Confirmation : Documentation of each phase of the investigation, including initiation, intermediary communications, and conclusion dates, is requested. \nAttached are relevant documents supporting my dispute. This matter requires urgent attention, and I expect a resolution within the 30-day timeframe specified by the FCRA. \n\nThank you for your prompt attention to this important issue. I look forward to your detailed response and a resolution that accurately reflects my credit history. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-01T23:59:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"11885301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-01T23:58:45.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Dear Dispute Resolution Team, I am writing to formally dispute the accuracy of credit report information <em>regarding</em> the account with XXXX XXXX. In accordance with the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>particularly</em> Sections 611 and 623, I request a thorough <em>investigation</em> into the disputed entries listed on my credit report."]},"sort":[15.232262,"11885301"]},{"_index":"complaint-public-v1","_id":"11884753","_score":15.232262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Dispute Resolution Team, I am writing to formally dispute the accuracy of credit report information regarding the account with XXXX XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, I request a thorough investigation into the disputed entries listed on my credit report. \n\nAccount Details : Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$22000.00} Status : Charged off with {$4400.00} past due as of XX/XX/year> Disputed Entries and FCRA Compliance : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that the credit reporting agencies promptly investigate disputed information from consumers and correct or delete any inaccurate, incomplete, or unverifiable information.\n\nFCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information provide accurate and complete information to the credit reporting agencies.\n\nDetailed Requests for Compliance : Investigation Method : Please describe the procedures used in your investigation, consistent with FCRA requirements. \nDocumentation and Evidence : I request copies of all documents, records, and other evidence sourced from the furnisher during your investigation. \nContact Information : Please provide contact details for the furnishers involved, allowing me to verify the information independently. \nResults of the Investigation : A detailed report of the investigation 's findings is requested, along with an explanation of the determination. \nUpdated Credit Report : Should changes occur based on the investigation findings, a free copy of my updated credit report is requested post-correction.\n\nCompliance Assurance : Confirm that all investigation procedures adhere strictly to the stipulated FCRA guidelines. \nWritten Confirmation : Documentation of each phase of the investigation, including initiation, intermediary communications, and conclusion dates, is requested. \nAttached are relevant documents supporting my dispute. This matter requires urgent attention, and I expect a resolution within the 30-day timeframe specified by the FCRA. \n\nThank you for your prompt attention to this important issue. I look forward to your detailed response and a resolution that accurately reflects my credit history. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-01T23:59:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"11884753","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-01T23:58:45.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Dear Dispute Resolution Team, I am writing to formally dispute the accuracy of credit report information <em>regarding</em> the account with XXXX XXXX. In accordance with the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>particularly</em> Sections 611 and 623, I request a thorough <em>investigation</em> into the disputed entries listed on my credit report."]},"sort":[15.232262,"11884753"]},{"_index":"complaint-public-v1","_id":"11882721","_score":15.232262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Dispute Resolution Team, I am writing to formally dispute the accuracy of credit report information regarding the account with XXXX XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, I request a thorough investigation into the disputed entries listed on my credit report. \n\nAccount Details : Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$22000.00} Status : Charged off with {$4400.00} past due as of XX/XX/year> Disputed Entries and FCRA Compliance : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that the credit reporting agencies promptly investigate disputed information from consumers and correct or delete any inaccurate, incomplete, or unverifiable information.\n\nFCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information provide accurate and complete information to the credit reporting agencies.\n\nDetailed Requests for Compliance : Investigation Method : Please describe the procedures used in your investigation, consistent with FCRA requirements. \nDocumentation and Evidence : I request copies of all documents, records, and other evidence sourced from the furnisher during your investigation. \nContact Information : Please provide contact details for the furnishers involved, allowing me to verify the information independently. \nResults of the Investigation : A detailed report of the investigation 's findings is requested, along with an explanation of the determination. \nUpdated Credit Report : Should changes occur based on the investigation findings, a free copy of my updated credit report is requested post-correction.\n\nCompliance Assurance : Confirm that all investigation procedures adhere strictly to the stipulated FCRA guidelines. \nWritten Confirmation : Documentation of each phase of the investigation, including initiation, intermediary communications, and conclusion dates, is requested. \nAttached are relevant documents supporting my dispute. This matter requires urgent attention, and I expect a resolution within the 30-day timeframe specified by the FCRA. \n\nThank you for your prompt attention to this important issue. I look forward to your detailed response and a resolution that accurately reflects my credit history. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-01T23:59:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"11882721","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-01T23:29:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Dear Dispute Resolution Team, I am writing to formally dispute the accuracy of credit report information <em>regarding</em> the account with XXXX XXXX. In accordance with the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>particularly</em> Sections 611 and 623, I request a thorough <em>investigation</em> into the disputed entries listed on my credit report."]},"sort":[15.232262,"11882721"]},{"_index":"complaint-public-v1","_id":"7179522","_score":15.076723,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. \n\nAs a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX XXXX, and TransUnionregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. \n\nHowever, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been \" validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. \n\nI firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness. \n\nI request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that the credit bureaus comply with their legal obligations under the FCRA. I kindly request the following actions : 1. Thorough Investigation : Direct the credit bureaus to conduct a proper and diligent investigation into the accuracy of the disputed items on my credit report. This investigation should involve gathering and providing verifiable proof or documentation to support their claims of validation. \n\n2. Removal of Inaccurate Information : In the event that the credit bureaus are unable to provide sufficient evidence validating the accuracy of the disputed items, I request their immediate removal from my credit report as mandated by the FCRA.\n\n3. Compliance Monitoring : Oversee the credit bureaus ' practices to ensure their compliance with Title 15, Section 1581, and other relevant provisions of the FCRA. Implement appropriate measures to prevent the dissemination of inaccurate information and ensure the fair and accurate reporting of consumer credit data.","date_sent_to_company":"2023-06-28T18:13:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20854","tags":null,"has_narrative":true,"complaint_id":"7179522","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-28T18:13:05.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This raises serious concerns <em>regarding</em> their <em>compliance</em> with the <em>FCRA</em>, <em>particularly</em> Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. \n\nI firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable <em>investigation</em> into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.076723,"7179522"]},{"_index":"complaint-public-v1","_id":"7178874","_score":15.076723,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. \n\nAs a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausEquifax, XXXX, and TransUnionregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. \n\nHowever, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been \" validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. \n\nI firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness. \n\nI request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that the credit bureaus comply with their legal obligations under the FCRA. I kindly request the following actions : 1. Thorough Investigation : Direct the credit bureaus to conduct a proper and diligent investigation into the accuracy of the disputed items on my credit report. This investigation should involve gathering and providing verifiable proof or documentation to support their claims of validation. \n\n2. Removal of Inaccurate Information : In the event that the credit bureaus are unable to provide sufficient evidence validating the accuracy of the disputed items, I request their immediate removal from my credit report as mandated by the FCRA. \n3. Compliance Monitoring : Oversee the credit bureaus ' practices to ensure their compliance with Title 15, Section 1581, and other relevant provisions of the FCRA. Implement appropriate measures to prevent the dissemination of inaccurate information and ensure the fair and accurate reporting of consumer credit data.","date_sent_to_company":"2023-06-28T18:13:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20854","tags":null,"has_narrative":true,"complaint_id":"7178874","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-28T18:13:05.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This raises serious concerns <em>regarding</em> their <em>compliance</em> with the <em>FCRA</em>, <em>particularly</em> Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. \n\nI firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable <em>investigation</em> into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.076723,"7178874"]},{"_index":"complaint-public-v1","_id":"7178931","_score":15.063108,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. \n\nAs a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX, Experian, and XXXXregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. \n\nHowever, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been \" validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. \n\nI firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness. \n\nI request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that the credit bureaus comply with their legal obligations under the FCRA. I kindly request the following actions : 1. Thorough Investigation : Direct the credit bureaus to conduct a proper and diligent investigation into the accuracy of the disputed items on my credit report. This investigation should involve gathering and providing verifiable proof or documentation to support their claims of validation. \n\n2. Removal of Inaccurate Information : In the event that the credit bureaus are unable to provide sufficient evidence validating the accuracy of the disputed items, I request their immediate removal from my credit report as mandated by the FCRA. \n\n3. Compliance Monitoring : Oversee the credit bureaus ' practices to ensure their compliance with Title 15, Section 1581, and other relevant provisions of the FCRA. Implement appropriate measures to prevent the dissemination of inaccurate information and ensure the fair and accurate reporting of consumer credit data.","date_sent_to_company":"2023-06-28T18:12:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20854","tags":null,"has_narrative":true,"complaint_id":"7178931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-28T18:01:46.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This raises serious concerns <em>regarding</em> their <em>compliance</em> with the <em>FCRA</em>, <em>particularly</em> Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. \n\nI firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable <em>investigation</em> into the accuracy of the disputed items. 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