{"took":133,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1115,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11648198","_score":23.101288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is to address an unresolved issue regarding a cancelled debt with Synchrony Bank that is being improperly reported on my XXXX credit report despite being lawfully discharged. Form 1099-C was filed with the IRS to report the cancellation of my credit card debt with Synchrony Bank . Per IRS regulations, a Form 1099-C represents a formal discharge of debt. Consequently, this should reflect as a {$0.00} balance across all credit reporting agencies. XXXX has appropriately deleted the account from my credit report, and XXXX updated the account to reflect a {$0.00} balance. However, XXXX continues to report a balance owed, citing that Synchrony Bank has \" verified '' the account, despite my multiple requests for verification evidence under the Fair Credit Reporting Act ( FCRA ). To date, XXXX has failed to provide any documentation substantiating the balance. Notably, XXXX has cited fraudulent or incomplete investigations, evidenced by Report Numbers # XXXX, # XXXX, XXXX, and XXXX, claiming the account has been verified without any supporting proof. This conduct is inconsistent with federal law and constitutes willful non-compliance. Synchrony Bank and XXXX failed to conduct reasonable investigations into disputes as required by FCRA. XXXX continues to report inaccurate information, violating its obligation to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). A Form 1099-C signifies a legally discharged debt. Synchrony Bank 's continued verification of the account as unpaid is inconsistent with IRS regulations. Supreme Court XXXX XXXX XXXX. XXXX of XXXX. XXXX XXXX, XXXX XXXX XXXX ( 2007 ) : The Supreme Court has affirmed that willful non-compliance with FCRA constitutes reckless disregard for statutory obligations. Synchrony Bank 's failure to provide documentation and XXXX 's inaccurate reporting represent such violations. A company subject to FCRA does not act in good faith if it acts in reckless disregard of its statutory duty, which constitutes willful violation under the statute. Synchrony Bank 's failure to provide documentation substantiating its verification and XXXX 's continued reporting of inaccurate information demonstrate reckless disregard for their statutory obligations under the FCRA. I respectfully remind all parties involved that the XXXX of the United States of America is the supreme law of the land. This includes adherence to federal statutes, such as the Fair Credit Reporting Act, as well as compliance with binding precedent established by the Supreme Court of the United States, such as XXXX XXXX. XXXX of XXXX. XXXX XXXX, XXXX XXXX XXXX ( 2007 ). Failure to rectify this matter would not only undermine my rights as a consumer but also represent a disregard for the rule of law. I urge immediate action to resolve this dispute in a manner consistent with the principles and laws of our nation.","date_sent_to_company":"2025-01-18T03:13:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27520","tags":null,"has_narrative":true,"complaint_id":"11648198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-01-18T02:43:27.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX, XXXX XXXX XXXX ( 2007 ) : The Supreme Court has affirmed that willful non-<em>compliance</em> with <em>FCRA</em> constitutes <em>reckless</em> <em>disregard</em> for statutory obligations. Synchrony Bank 's failure to provide documentation and XXXX 's inaccurate reporting represent such violations. A company subject to <em>FCRA</em> does not act in good faith if it acts in <em>reckless</em> <em>disregard</em> of its statutory duty, which constitutes willful violation under the statute."]},"sort":[23.101288,"11648198"]},{"_index":"complaint-public-v1","_id":"16239211","_score":22.789066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Demand under my rights as a consumer pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and Metro 2 reporting requirements. I am deeply dissatisfied with the reckless, inconsistent, and inaccurate reporting that continues to appear on my credit file despite previous disputes. The continued presence of these accounts demonstrates willful noncompliance and complete disregard for your obligations under federal law. \n\nThe FCRA requires you to maintain maximum possible accuracy in consumer reports. Instead, you have allowed unverifiable, inconsistent, and damaging data to remain, directly harming my creditworthiness and financial standing. Updating notations or re-verifying without proof does not cure these violations. The only lawful and compliant resolution is the permanent DELETION of the accounts outlined below. \n\nAccounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I already disputed this XXXX account, and it is still reporting with late payments even though the balance is {$0.00} and the account is showing open and current with other bureaus. This is a direct violation of FCRA 1681i and 1681s-2 as well as Metro 2 compliance, since you are furnishing conflicting and inaccurate data across the credit bureaus. Reporting a paid account with derogatory late marks is willful noncompliance and reckless disregard for accuracy. I demand permanent DELETION of this account from my credit file, as correcting remarks without full deletion will not cure the damage caused. \n\nXXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this account and you continue to knowingly report conflicting and inaccurate information. One bureau shows the account as paid/closed while others report it as open/current. This is a willful violation of FCRA 1681i and Metro 2 standards and demonstrates reckless disregard for accuracy. I demand permanent DELETION of this account from my credit report immediately. \n\nXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I already disputed this account and it continues to report false late payments even though the balance is {$0.00} and the account is closed by the creditor. The bureaus are reporting inconsistent balances and statuses, which is a direct violation of FCRA 1681i and 1681s-2 as well as Metro 2 standards. Furnishing contradictory and unverifiable data after a prior dispute is willful noncompliance and reckless disregard for accuracy. I demand permanent DELETION of this account from my credit file, because updating remarks or balances does not correct the violations or the damage already caused. \n\nXXXX XXXX XXXX XXXX XXXX XXXX I already disputed this XXXX account and you continue to report it without providing full validation. This is a willful violation of FCRA 1681i and 1681s-2, and a direct breach of Metro 2 compliance because the data is unverifiable, inconsistent, and being furnished without proper documentation. You have failed to produce a complete chain of custody, signed contract, or any proof of legal right to collect. By continuing to report this unverifiable debt, you are acting in reckless disregard of federal law. I demand the permanent DELETION of this account from my credit file immediately, as simple updates or re-verification are not an acceptable remedy. \n\nXXXX XXXX XXXX XXXX XXXX XXXX  I already disputed this collection and it is still reporting without proper validation. This is a willful violation of FCRA 1681i and 1681s-2 because you continue to furnish unverifiable and damaging information. You have failed to provide full documentation proving the accuracy, ownership, and chain of custody of this alleged debt. Reporting it across all three bureaus without proof is reckless disregard for Metro 2 compliance and my rights under federal law. I demand the permanent DELETION of this account from my credit file immediately, as updating or re-verifying without proof only extends the violation. \n\nIncorrect Personal Information Incorrect Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX I have no verifiable connection to this address. It is inaccurately tied to my file and must be permanently deleted. \n\nIncorrect Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have never lived at or been associated with this address. Continuing to report it is inaccurate and must be permanently deleted. \n\nIncorrect Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have never lived at or been associated with this address. Continuing to report it is inaccurate and must be permanently deleted. \n\nIncorrect Employer XXXX  This employer is not and has never been associated with me. Reporting it is inaccurate, misleading, and must be permanently deleted. \n\nYou have been repeatedly notified of these errors and have chosen to ignore your obligations under federal law. If these accounts are not permanently deleted within the time frame allowed by law, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I will also pursue any and all legal remedies available to me, including civil action for damages under the FCRA. \n\nI expect full compliance and a reinvestigation that results in the immediate, permanent DELETION of the accounts and information listed above. Anything less will be considered continued willful noncompliance.","date_sent_to_company":"2025-09-29T18:53:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78223","tags":null,"has_narrative":true,"complaint_id":"16239211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-29T18:53:12.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is a willful violation of <em>FCRA</em> 1681i and 1681s-2 because you continue to furnish unverifiable and damaging information. You have failed to provide full documentation proving the accuracy, ownership, and chain of custody of this alleged debt. Reporting it across all three bureaus without proof is <em>reckless</em> <em>disregard</em> for Metro 2 <em>compliance</em> and my rights under <em>federal</em> law."]},"sort":[22.789066,"16239211"]},{"_index":"complaint-public-v1","_id":"16239974","_score":22.74185,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Demand under my rights as a consumer pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and Metro 2 reporting requirements. I am deeply dissatisfied with the reckless, inconsistent, and inaccurate reporting that continues to appear on my credit file despite previous disputes. The continued presence of these accounts demonstrates willful noncompliance and complete disregard for your obligations under federal law. \n\nThe FCRA requires you to maintain maximum possible accuracy in consumer reports. Instead, you have allowed unverifiable, inconsistent, and damaging data to remain, directly harming my creditworthiness and financial standing. Updating notations or re-verifying without proof does not cure these violations. The only lawful and compliant resolution is the permanent DELETION of the accounts outlined below. \n\nAccounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I already disputed this XXXX account, and it is still reporting with late payments even though the balance is {$0.00} and the account is showing open and current with other bureaus. This is a direct violation of FCRA 1681i and 1681s-2 as well as Metro 2 compliance, since you are furnishing conflicting and inaccurate data across the credit bureaus. Reporting a paid account with derogatory late marks is willful noncompliance and reckless disregard for accuracy. I demand permanent DELETION of this account from my credit file, as correcting remarks without full deletion will not cure the damage caused. \n\nXXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this account and you continue to knowingly report conflicting and inaccurate information. One bureau shows the account as paid/closed while others report it as open/current. This is a willful violation of FCRA 1681i and Metro 2 standards and demonstrates reckless disregard for accuracy. I demand permanent DELETION of this account from my credit report immediately. \n\nXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I already disputed this account and it continues to report false late payments even though the balance is {$0.00} and the account is closed by the creditor. The bureaus are reporting inconsistent balances and statuses, which is a direct violation of FCRA 1681i and 1681s-2 as well as Metro 2 standards. Furnishing contradictory and unverifiable data after a prior dispute is willful noncompliance and reckless disregard for accuracy. I demand permanent DELETION of this account from my credit file, because updating remarks or balances does not correct the violations or the damage already caused. \n\nXXXX XXXX XXXX XXXX XXXX XXXX I already disputed this XXXX account and you continue to report it without providing full validation. This is a willful violation of FCRA 1681i and 1681s-2, and a direct breach of Metro 2 compliance because the data is unverifiable, inconsistent, and being furnished without proper documentation. You have failed to produce a complete chain of custody, signed contract, or any proof of legal right to collect. By continuing to report this unverifiable debt, you are acting in reckless disregard of federal law. I demand the permanent DELETION of this account from my credit file immediately, as simple updates or re-verification are not an acceptable remedy. \n\nXXXX XXXX XXXX XXXX XXXX XXXX  I already disputed this collection and it is still reporting without proper validation. This is a willful violation of FCRA 1681i and 1681s-2 because you continue to furnish unverifiable and damaging information. You have failed to provide full documentation proving the accuracy, ownership, and chain of custody of this alleged debt. Reporting it across all three bureaus without proof is reckless disregard for Metro 2 compliance and my rights under federal law. I demand the permanent DELETION of this account from my credit file immediately, as updating or re-verifying without proof only extends the violation. \n\nIncorrect Personal Information Incorrect Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX I have no verifiable connection to this address. It is inaccurately tied to my file and must be permanently deleted. \n\nIncorrect Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have never lived at or been associated with this address. Continuing to report it is inaccurate and must be permanently deleted. \n\nIncorrect Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have never lived at or been associated with this address. Continuing to report it is inaccurate and must be permanently deleted. \n\nIncorrect Employer XXXX  This employer is not and has never been associated with me. Reporting it is inaccurate, misleading, and must be permanently deleted. \n\nYou have been repeatedly notified of these errors and have chosen to ignore your obligations under federal law. If these accounts are not permanently deleted within the time frame allowed by law, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I will also pursue any and all legal remedies available to me, including civil action for damages under the FCRA. \n\nI expect full compliance and a reinvestigation that results in the immediate, permanent DELETION of the accounts and information listed above. Anything less will be considered continued willful noncompliance.","date_sent_to_company":"2025-09-29T18:53:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78223","tags":null,"has_narrative":true,"complaint_id":"16239974","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-29T18:48:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is a willful violation of <em>FCRA</em> 1681i and 1681s-2 because you continue to furnish unverifiable and damaging information. You have failed to provide full documentation proving the accuracy, ownership, and chain of custody of this alleged debt. Reporting it across all three bureaus without proof is <em>reckless</em> <em>disregard</em> for Metro 2 <em>compliance</em> and my rights under <em>federal</em> law."]},"sort":[22.74185,"16239974"]},{"_index":"complaint-public-v1","_id":"16239210","_score":22.74185,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Demand under my rights as a consumer pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and Metro 2 reporting requirements. I am deeply dissatisfied with the reckless, inconsistent, and inaccurate reporting that continues to appear on my credit file despite previous disputes. The continued presence of these accounts demonstrates willful noncompliance and complete disregard for your obligations under federal law. \n\nThe FCRA requires you to maintain maximum possible accuracy in consumer reports. Instead, you have allowed unverifiable, inconsistent, and damaging data to remain, directly harming my creditworthiness and financial standing. Updating notations or re-verifying without proof does not cure these violations. The only lawful and compliant resolution is the permanent DELETION of the accounts outlined below. \n\nAccounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I already disputed this XXXX account, and it is still reporting with late payments even though the balance is {$0.00} and the account is showing open and current with other bureaus. This is a direct violation of FCRA 1681i and 1681s-2 as well as Metro 2 compliance, since you are furnishing conflicting and inaccurate data across the credit bureaus. Reporting a paid account with derogatory late marks is willful noncompliance and reckless disregard for accuracy. I demand permanent DELETION of this account from my credit file, as correcting remarks without full deletion will not cure the damage caused. \n\nXXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this account and you continue to knowingly report conflicting and inaccurate information. One bureau shows the account as paid/closed while others report it as open/current. This is a willful violation of FCRA 1681i and Metro 2 standards and demonstrates reckless disregard for accuracy. I demand permanent DELETION of this account from my credit report immediately. \n\nXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I already disputed this account and it continues to report false late payments even though the balance is {$0.00} and the account is closed by the creditor. The bureaus are reporting inconsistent balances and statuses, which is a direct violation of FCRA 1681i and 1681s-2 as well as Metro 2 standards. Furnishing contradictory and unverifiable data after a prior dispute is willful noncompliance and reckless disregard for accuracy. I demand permanent DELETION of this account from my credit file, because updating remarks or balances does not correct the violations or the damage already caused. \n\nXXXX XXXX XXXX XXXX XXXX XXXX I already disputed this XXXX account and you continue to report it without providing full validation. This is a willful violation of FCRA 1681i and 1681s-2, and a direct breach of Metro 2 compliance because the data is unverifiable, inconsistent, and being furnished without proper documentation. You have failed to produce a complete chain of custody, signed contract, or any proof of legal right to collect. By continuing to report this unverifiable debt, you are acting in reckless disregard of federal law. I demand the permanent DELETION of this account from my credit file immediately, as simple updates or re-verification are not an acceptable remedy. \n\nXXXX XXXX XXXX XXXX XXXX XXXX  I already disputed this collection and it is still reporting without proper validation. This is a willful violation of FCRA 1681i and 1681s-2 because you continue to furnish unverifiable and damaging information. You have failed to provide full documentation proving the accuracy, ownership, and chain of custody of this alleged debt. Reporting it across all three bureaus without proof is reckless disregard for Metro 2 compliance and my rights under federal law. I demand the permanent DELETION of this account from my credit file immediately, as updating or re-verifying without proof only extends the violation. \n\nIncorrect Personal Information Incorrect Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX I have no verifiable connection to this address. It is inaccurately tied to my file and must be permanently deleted. \n\nIncorrect Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have never lived at or been associated with this address. Continuing to report it is inaccurate and must be permanently deleted. \n\nIncorrect Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have never lived at or been associated with this address. Continuing to report it is inaccurate and must be permanently deleted. \n\nIncorrect Employer XXXX  This employer is not and has never been associated with me. Reporting it is inaccurate, misleading, and must be permanently deleted. \n\nYou have been repeatedly notified of these errors and have chosen to ignore your obligations under federal law. If these accounts are not permanently deleted within the time frame allowed by law, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I will also pursue any and all legal remedies available to me, including civil action for damages under the FCRA. \n\nI expect full compliance and a reinvestigation that results in the immediate, permanent DELETION of the accounts and information listed above. Anything less will be considered continued willful noncompliance.","date_sent_to_company":"2025-09-29T18:53:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78223","tags":null,"has_narrative":true,"complaint_id":"16239210","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-29T18:53:12.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is a willful violation of <em>FCRA</em> 1681i and 1681s-2 because you continue to furnish unverifiable and damaging information. You have failed to provide full documentation proving the accuracy, ownership, and chain of custody of this alleged debt. Reporting it across all three bureaus without proof is <em>reckless</em> <em>disregard</em> for Metro 2 <em>compliance</em> and my rights under <em>federal</em> law."]},"sort":[22.74185,"16239210"]},{"_index":"complaint-public-v1","_id":"11648160","_score":22.33601,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is to address an unresolved issue regarding a cancelled debt with XXXXXX/XX/XXXX that is being improperly reported on my Experian credit report despite being lawfully discharged. Form 1099-C was filed with the IRS to report the cancellation of my credit card debt with XXXXXX/XX/XXXXXXXX Per IRS regulations, a Form 1099-C represents a formal discharge of debt. Consequently, this should reflect as a {$0.00} balance across all credit reporting agencies. XXXX has appropriately deleted the account from my credit report, and XXXX updated the account to reflect a {$0.00} balance. However, Experian continues to report a balance owed, citing that XXXXXX/XX/XXXX has \" verified '' the account, despite my multiple requests for verification evidence under the Fair Credit Reporting Act ( FCRA ). To date, Experian has failed to provide any documentation substantiating the balance. Notably, Experian has cited fraudulent or incomplete investigations, evidenced by Report Numbers # XXXX, # XXXX, XXXX, and XXXX, claiming the account has been verified without any supporting proof. This conduct is inconsistent with federal law and constitutes willful non-compliance. XXXX XX/XX/XXXX and Experian failed to conduct reasonable investigations into disputes as required by FCRA. Experian continues to report inaccurate information, violating its obligation to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). A Form 1099-C signifies a legally discharged debt. XXXXXX/XX/XXXX continued verification of the account as unpaid is inconsistent with IRS regulations. Supreme Court Precedent XXXX XXXX. XXXX of XXXX. XXXX XXXX, 551 U.S. 47 ( 2007 ) : The Supreme Court has affirmed that willful non-compliance with FCRA constitutes reckless disregard for statutory obligations. XXXX Bank 's failure to provide documentation and Experian 's inaccurate reporting represent such violations. A company subject to FCRA does not act in good faith if it acts in reckless disregard of its statutory duty, which constitutes willful violation under the statute. XXXXXX/XX/XXXX failure to provide documentation substantiating its verification and Experian 's continued reporting of inaccurate information demonstrate reckless disregard for their statutory obligations under the FCRA. I respectfully remind all parties involved that the Constitution of the United States of America is the supreme law of the land. This includes adherence to federal statutes, such as the Fair Credit Reporting Act, as well as compliance with binding precedent established by the Supreme Court of the United States, such as XXXX XXXX. XXXX of XXXX. XXXX XXXX, 551 U.S. 47 ( 2007 ). Failure to rectify this matter would not only undermine my rights as a consumer but also represent a disregard for the rule of law. I urge immediate action to resolve this dispute in a manner consistent with the principles and laws of our nation.","date_sent_to_company":"2025-01-18T03:13:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27520","tags":null,"has_narrative":true,"complaint_id":"11648160","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-18T03:13:19.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX, 551 U.S. 47 ( 2007 ) : The Supreme Court has affirmed that willful non-<em>compliance</em> with <em>FCRA</em> constitutes <em>reckless</em> <em>disregard</em> for statutory obligations. XXXX Bank 's failure to provide documentation and Experian 's inaccurate reporting represent such violations. A company subject to <em>FCRA</em> does not act in good faith if it acts in <em>reckless</em> <em>disregard</em> of its statutory duty, which constitutes willful violation under the statute."]},"sort":[22.33601,"11648160"]},{"_index":"complaint-public-v1","_id":"18066041","_score":21.154999,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion LLC unlawfully reinserted previously deleted accounts ( XXXX XXXX ending XXXX ) into my credit file without providing the mandatory advance written notice or obtaining the required certification from the furnishers, in direct violation of the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ). These accounts were disputed on XX/XX/year> and were deleted by XX/XX/year>, confirming TransUnions prior determination that the information could not be verified. Despite this, TransUnion willfully reinserted the same information without compliance with statutory reinsertion procedures. This conduct reflects a pattern of reckless disregard for federal law, causes ongoing financial and reputational harm, and constitutes a willful FCRA violation, not a clerical error.","date_sent_to_company":"2025-12-16T06:46:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11218","tags":null,"has_narrative":true,"complaint_id":"18066041","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-16T06:37:43.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite this, TransUnion willfully reinserted the same information without <em>compliance</em> with statutory reinsertion procedures. This conduct reflects a pattern of <em>reckless</em> <em>disregard</em> for <em>federal</em> law, causes ongoing financial and reputational harm, and constitutes a willful <em>FCRA</em> violation, not a clerical error."]},"sort":[21.154999,"18066041"]},{"_index":"complaint-public-v1","_id":"16238712","_score":20.729055,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. \n\nI demand immediate deletion of the following fraudulent accounts : XXXX XXXX  XXXX This is completely inaccurate. \n\nXXXX XXXX XXXX This is completely inaccurate. \n\nYour continued negligence in handling identity theft reports violates the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data 15 U.S.C. 1681n Willful non-compliance with the FCRA 15 U.S.C. 1681o Negligence in reinvestigating disputed information 15 U.S.C. 1681s-2 Failure of furnishers to report accurate data If you fail to comply within 10 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office , and I will seek legal damages for your reckless disregard of federal law.","date_sent_to_company":"2025-09-29T20:02:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30080","tags":null,"has_narrative":true,"complaint_id":"16238712","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-29T20:01:33.000Z","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":["Attorney Generals Office , and I will seek legal damages for your <em>reckless</em> <em>disregard</em> of <em>federal</em> law."]},"sort":[20.729055,"16238712"]},{"_index":"complaint-public-v1","_id":"15540297","_score":20.696886,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit reporting agencies are willfully violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) by reporting a false child support obligation that does not belong to me. I have provided clear court documentation showing that no such arrears exist, yet the agencies continue to publish inaccurate and damaging information. This failure violates 15 U.S.C. 1681e ( b ) ( duty to ensure maximum possible accuracy ) and 15 U.S.C. 1681i ( duty to conduct a reasonable reinvestigation ). By ignoring legally binding court orders and maintaining false support data, the agencies are acting with reckless disregard for accuracy, causing me financial and reputational harm. I am demanding immediate deletion of this inaccurate reporting and full compliance with federal law.","date_sent_to_company":"2025-08-26T03:14:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92571","tags":null,"has_narrative":true,"complaint_id":"15540297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-26T03:06:45.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["By ignoring legally binding court orders and maintaining false support data, the agencies are acting with <em>reckless</em> <em>disregard</em> for accuracy, causing me financial and reputational harm. I am demanding immediate deletion of this inaccurate reporting and full <em>compliance</em> with <em>federal</em> law."]},"sort":[20.696886,"15540297"]},{"_index":"complaint-public-v1","_id":"16244296","_score":20.68442,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. \n\nI demand immediate deletion of the following fraudulent accounts : XXXX XXXX  XXXX This is completely inaccurate. \n\nXXXX XXXX XXXX This is completely inaccurate. \n\nYour continued negligence in handling identity theft reports violates the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data 15 U.S.C. 1681n Willful non-compliance with the FCRA 15 U.S.C. 1681o Negligence in reinvestigating disputed information 15 U.S.C. 1681s-2 Failure of furnishers to report accurate data If you fail to comply within 10 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office , and I will seek legal damages for your reckless disregard of federal law.","date_sent_to_company":"2025-09-29T20:02:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30080","tags":null,"has_narrative":true,"complaint_id":"16244296","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-29T19:57:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Attorney Generals Office , and I will seek legal damages for your <em>reckless</em> <em>disregard</em> of <em>federal</em> law."]},"sort":[20.68442,"16244296"]},{"_index":"complaint-public-v1","_id":"16238713","_score":20.68442,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. \n\nI demand immediate deletion of the following fraudulent accounts : XXXX XXXX  XXXX This is completely inaccurate. \n\nXXXX XXXX XXXX This is completely inaccurate. \n\nYour continued negligence in handling identity theft reports violates the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data 15 U.S.C. 1681n Willful non-compliance with the FCRA 15 U.S.C. 1681o Negligence in reinvestigating disputed information 15 U.S.C. 1681s-2 Failure of furnishers to report accurate data If you fail to comply within 10 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office , and I will seek legal damages for your reckless disregard of federal law.","date_sent_to_company":"2025-09-29T20:02:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30080","tags":null,"has_narrative":true,"complaint_id":"16238713","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-29T20:01:33.000Z","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":["Attorney Generals Office , and I will seek legal damages for your <em>reckless</em> <em>disregard</em> of <em>federal</em> law."]},"sort":[20.68442,"16238713"]},{"_index":"complaint-public-v1","_id":"10943214","_score":20.289827,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Moreover, your compliance with the XXXX XXXX format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors. \nLet me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities, I will not hesitate to pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Your disregard for the truth has left a stain upon my financial identity, but rest assured, I will not allow this injustice to stand. I will not be silent in the face of this violation. You have XXXX XXXX from the date of this letter to correct these wrongs and restore my rightful credit standing. \nI look forward to your swift and just resolution of this matter. \nAlso any address that is not XXXX XXXX XXXXXXXX XXXX XXXX Va XXXX remove it for the address i provided is the only place I have lived within the last XXXX XXXX  remove the INQUIRES THAT WILL BE ATTACHED TO FTC REPORT BELOW","date_sent_to_company":"2024-11-27T01:03:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"233XX","tags":null,"has_narrative":true,"complaint_id":"10943214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-27T01:03:38.000Z","state":"VA","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":["Moreover, your <em>compliance</em> with the XXXX XXXX format and <em>FCRA</em> guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been <em>recklessly</em> <em>disregarded</em>. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors. \nLet me be clear : I am demanding an immediate and thorough investigation into these accounts."]},"sort":[20.289827,"10943214"]},{"_index":"complaint-public-v1","_id":"10943512","_score":20.228994,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Moreover, your compliance with the XXXX XXXX format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors.\n\nLet me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities, I will not hesitate to pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Your disregard for the truth has left a stain upon my financial identity, but rest assured, I will not allow this injustice to stand. I will not be silent in the face of this violation. You have 15 days from the date of this letter to correct these wrongs and restore my rightful credit standing. \nI look forward to your swift and just resolution of this matter. \nAlso any address that is not XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  remove it for the address i provided is the only place I have lived within the last XXXX years remove the INQUIRES THAT WILL BE ATTACHED TO FTC REPORT BELOW","date_sent_to_company":"2024-11-27T01:03:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"233XX","tags":null,"has_narrative":true,"complaint_id":"10943512","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-27T00:36:26.000Z","state":"VA","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":["Moreover, your <em>compliance</em> with the XXXX XXXX format and <em>FCRA</em> guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been <em>recklessly</em> <em>disregarded</em>. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors.\n\nLet me be clear : I am demanding an immediate and thorough investigation into these accounts."]},"sort":[20.228994,"10943512"]},{"_index":"complaint-public-v1","_id":"9450337","_score":19.616909,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian is willfully reporting inaccurate information that violates HJR-192 Public Law 73-10. Despite being provided with substantial evidence and clear information to rectify these inaccuracies on the credit report, Experian has negligently and deliberately failed to make the necessary adjustments. This blatant noncompliance and refusal to adhere to the law and congressional mandates are causing significant harm. Under the Fair Credit Reporting Act ( FCRA ), Experian has a legal obligation to ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Their failure to correct known inaccuracies constitutes a willful violation of the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Moreover, Experian 's continued reporting of inaccurate information, despite being informed of the errors, can be seen as a reckless disregard for their duties under the FCRA, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). Experian 's actions not only violate federal law but also undermine the protections intended by HJR-192 Public Law 73-10, which prohibits the reporting of late or missed payments as this is not possible. The failure to comply with this law, despite being provided with the necessary documentation, further evidences their intentional misconduct. I demand the immediate removal of all disputed information and the correction of the reported status. Failure to comply will result in legal action to enforce compliance and seek damages for the harm caused by Experian 's reckless and unlawful behavior.","date_sent_to_company":"2024-07-09T03:14:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"97338","tags":null,"has_narrative":true,"complaint_id":"9450337","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-09T03:10:14.000Z","state":"OR","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":["Failure to comply will result in legal action to enforce <em>compliance</em> and seek damages for the harm caused by Experian 's <em>reckless</em> and unlawful behavior."]},"sort":[19.616909,"9450337"]},{"_index":"complaint-public-v1","_id":"9450480","_score":19.569843,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax is willfully reporting inaccurate information that violates HJR-192 Public Law 73-10. Despite being provided with substantial evidence and clear information to rectify these inaccuracies on the credit report, Equifax has negligently and deliberately failed to make the necessary adjustments. This blatant noncompliance and refusal to adhere to the law and congressional mandates are causing significant harm. Under the Fair Credit Reporting Act ( FCRA ), Equifax has a legal obligation to ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Their failure to correct known inaccuracies constitutes a willful violation of the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Moreover, Equifax 's continued reporting of inaccurate information, despite being informed of the errors, can be seen as a reckless disregard for their duties under the FCRA, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). Equifax 's actions not only violate federal law but also undermine the protections intended by HJR-192 Public Law 73-10, which prohibits the reporting of late or missed payments as this is not possible. The failure to comply with this law, despite being provided with the necessary documentation, further evidences their intentional misconduct. I demand the immediate removal of all disputed information and the correction of the reported status. Failure to comply will result in legal action to enforce compliance and seek damages for the harm caused by Equifax 's reckless and unlawful behavior.","date_sent_to_company":"2024-07-09T03:19:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"97338","tags":null,"has_narrative":true,"complaint_id":"9450480","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-09T03:16:47.000Z","state":"OR","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Failure to comply will result in legal action to enforce <em>compliance</em> and seek damages for the harm caused by Equifax 's <em>reckless</em> and unlawful behavior."]},"sort":[19.569843,"9450480"]},{"_index":"complaint-public-v1","_id":"9450445","_score":19.54459,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion is willfully reporting inaccurate information that violates XXXX XXXX XXXX XXXX. Despite being provided with substantial evidence and clear information to rectify these inaccuracies on the credit report, TransUnion has negligently and deliberately failed to make the necessary adjustments. This blatant noncompliance and refusal to adhere to the law and congressional mandates are causing significant harm. \n\nUnder the Fair Credit Reporting Act ( FCRA ), TransUnion has a legal obligation to ensure the accuracy of the information they report ( XXXX XXXX. XXXX ( b ) ). Their failure to correct known inaccuracies constitutes a willful violation of the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Moreover, TransUnion 's continued reporting of inaccurate information, despite being informed of the errors, can be seen as a reckless disregard for their duties under the FCRA, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). \n\nTransUnion 's actions not only violate federal law but also undermine the protections intended by XXXX Public Law 73-10, which prohibits the reporting of late or missed payments as this is not possible. The failure to comply with this law, despite being provided with the necessary documentation, further evidences their intentional misconduct. \n\nI demand the immediate removal of all disputed information and the correction of the reported status. Failure to comply will result in legal action to enforce compliance and seek damages for the harm caused by TransUnion 's reckless and unlawful behavior.","date_sent_to_company":"2024-07-09T03:06:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"97338","tags":null,"has_narrative":true,"complaint_id":"9450445","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-09T02:54:12.000Z","state":"OR","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":["Failure to comply will result in legal action to enforce <em>compliance</em> and seek damages for the harm caused by TransUnion 's <em>reckless</em> and unlawful behavior."]},"sort":[19.54459,"9450445"]},{"_index":"complaint-public-v1","_id":"13933924","_score":19.369839,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian has willfully and knowingly verified a tradeline tied to XXXX XXXX XXXX ( XXXX ) despite being provided with documented evidence of mail fraud, unvalidated debt, and multiple federal violations. I sent a formal Section 609 validation request on XX/XX/year>. It was delivered on XX/XX/year>. No legally sufficient validation was ever provided. \n\nInstead, XXXX responded via the CFPB stating they would cease communication, place the account in restrictive status, and notify bureaus of the dispute. Despite that, XXXX re-reported the account as a new collection on XX/XX/year>, in direct contradiction to their statement. I immediately submitted updated documents to Experianover XXXX pages, including CFPB and USPS Inspector General documentation confirming active investigations for mail fraud and deceptive reporting.\n\nDespite the overwhelming evidence of consumer rights violations under the FCRA ( Sections 1681i, 607 ( b ), and 609 ), Experian verified the tradeline again and is continuing to report false, damaging information. I have never attended the XXXX  XXXX XXXX. The basis of the account is fraudulent, and Experians repeated verification after being provided with irrefutable legal and federal records constitutes gross negligence and reckless disregard for FCRA compliance.","date_sent_to_company":"2025-06-06T21:26:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"97128","tags":"Servicemember","has_narrative":true,"complaint_id":"13933924","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-06T21:14:49.000Z","state":"OR","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":["Despite the overwhelming evidence of consumer rights violations under the <em>FCRA</em> ( Sections 1681i, 607 ( b ), and 609 ), Experian verified the tradeline again and is continuing to report false, damaging information. I have never attended the XXXX  XXXX XXXX. The basis of the account is fraudulent, and Experians repeated verification after being provided with irrefutable legal and <em>federal</em> records constitutes gross negligence and <em>reckless</em> <em>disregard</em> for <em>FCRA</em> <em>compliance</em>."]},"sort":[19.369839,"13933924"]},{"_index":"complaint-public-v1","_id":"14160252","_score":19.275972,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit reporting agencies are willfully violating my rights under multiple federal consumer protection laws by continuing to report inaccurate, incomplete, and conflicting information on my credit reports despite multiple disputes and opportunities to correct the information. These agencies have completely failed to comply with FCRA 15 USC 1681i ( failure to conduct reasonable reinvestigation ), 1681e ( b ) ( failure to maintain maximum possible accuracy ), and 1681n ( willful noncompliance ), as well as violations under Metro 2 compliance standards. \n\nSpecifically, the XXXX XXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX  ) are reporting grossly inconsistent data across Equifax, Experian, and TransUnion. The payment histories, charge-off dates, late payment statuses, and balances are conflicting between the bureaus. These conflicting data entries can not coexist for the same consumer file, making the entire reporting unverifiable, obsolete, and legally impossible to validate. \n\nThe bureaus had more than sufficient time and multiple opportunities to verify or correct this reporting but continue to recklessly publish and furnish false information, directly damaging my creditworthiness. Their repeated failure to correct these inaccuracies after formal disputes constitutes willful noncompliance and reckless disregard for my rights under the law. \n\nAdditionally, these violations are even more egregious considering I am a known victim of the Equifax Data Breach and the XXXX XXXXc Data Breach. My personal information has been compromised, making strict adherence to FCRA accuracy standards even more critical. Yet, these agencies continue to mishandle and circulate unverifiable derogatory information.","date_sent_to_company":"2025-06-18T10:08:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10458","tags":null,"has_narrative":true,"complaint_id":"14160252","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-18T10:06:13.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The bureaus had more than sufficient time and multiple opportunities to verify or correct this reporting but continue to <em>recklessly</em> publish and furnish false information, directly damaging my creditworthiness. Their repeated failure to correct these inaccuracies after formal disputes constitutes willful noncompliance and <em>reckless</em> <em>disregard</em> for my rights under the law."]},"sort":[19.275972,"14160252"]},{"_index":"complaint-public-v1","_id":"11552427","_score":19.253927,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian has repeatedly denied my disputes, claiming the information is accurate, despite clear evidence to the contrary. I believe this conduct violates several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ). \n\nViolations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies like Experian have a duty to ensure the accuracy and completeness of the information they report. Specifically : 1. 15 U.S.C. 1681e ( b ) : This provision requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. By failing to adequately investigate my disputes and relying solely on the furnishers verification, Experian has failed to meet this obligation.\n\n2. 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Court decisions such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX affirm that a superficial or automated reinvestigation process does not satisfy this requirement. Experians consistent denial of my disputes without proper investigation suggests a violation of this statute.\n\n3. 15 U.S.C. 1681c ( f ) : The FCRA also prohibits reporting information that can not be verified. Given that Experian continues to report incorrect information despite my disputes, it raises questions about their compliance with this provision.\n\nNegligence and Reckless Disregard Courts have held credit reporting agencies accountable for negligent or reckless behavior regarding the accuracy of consumer reports. For instance, in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-15T18:07:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85201","tags":null,"has_narrative":true,"complaint_id":"11552427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-15T17:49:30.000Z","state":"AZ","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":["Negligence and <em>Reckless</em> <em>Disregard</em> Courts have held credit reporting agencies accountable for negligent or <em>reckless</em> behavior regarding the accuracy of consumer reports. For instance, in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[19.253927,"11552427"]},{"_index":"complaint-public-v1","_id":"11538808","_score":19.253927,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX has repeatedly denied my disputes, claiming the information is accurate, despite clear evidence to the contrary. I believe this conduct violates several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ). \n\nViolations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies like XXXX have a duty to ensure the accuracy and completeness of the information they report. Specifically : 1. 15 U.S.C. 1681e ( b ) : This provision requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. By failing to adequately investigate my disputes and relying solely on the furnishers verification, XXXX has failed to meet this obligation. \n2. 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Court decisions such as Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) affirm that a superficial or automated reinvestigation process does not satisfy this requirement. Experians consistent denial of my disputes without proper investigation suggests a violation of this statute.\n\n3. 15 U.S.C. 1681c ( f ) : The FCRA also prohibits reporting information that can not be verified. Given that XXXX continues to report incorrect information despite my disputes, it raises questions about their compliance with this provision. \n\nNegligence and Reckless Disregard Courts have held credit reporting agencies accountable for negligent or reckless behavior regarding the accuracy of consumer reports. For instance, in *Cushman v. TransUnion Corp. , 115 F.3d 220.","date_sent_to_company":"2025-01-15T18:10:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85201","tags":null,"has_narrative":true,"complaint_id":"11538808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-15T18:08:09.000Z","state":"AZ","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":["Negligence and <em>Reckless</em> <em>Disregard</em> Courts have held credit reporting agencies accountable for negligent or <em>reckless</em> behavior regarding the accuracy of consumer reports. For instance, in *Cushman v. TransUnion Corp. , 115 F.3d 220."]},"sort":[19.253927,"11538808"]},{"_index":"complaint-public-v1","_id":"17036616","_score":19.24498,"_source":{"product":"Credit card","complaint_what_happened":"b'This complaint is submitted on behalf of XXXX XXXX XXXX  by his authorized representative, XXXX XXXX  of XXXX XXXX XXXX XXXX, against Nordstrom/TD Bank USA for willful and negligent noncompliance with the Fair Credit Reporting Act (FCRA), specifically Sections 611(a)(1)(A) and 623(a)(1)(A). Despite multiple formal disputes and clear notice under federal law, Nordstrom/TD Bank USA has continuously failed to provide verifiable documentation substantiating the accuracy of the reported account number XXXX XXXX XXXX XXXX. XXXX, XXXX, and XXXX  each reported that the furnisher verified the account as accurate, yet no evidentiary proof or supporting records have ever been provided to the consumer as required. This conduct demonstrates a complete disregard for the duty to ensure accurate reporting and to conduct a reasonable reinvestigation when a consumer files a dispute. Merely confirming the information without any documentary support from the creditors own records does not satisfy the standard of compliance mandated under the FCRA. The ongoing reporting of this unverified account constitutes willful and negligent violations under Sections 616 and 617, and Nordstrom/TD Bank USA should be held accountable for failing to maintain and provide proper substantiation. On behalf of XXXX XXXX, XXXX XXXX XXXX XXXX demands that the CFPB compel Nordstrom/TD Bank USA to immediately produce verifiable documentary evidenceincluding the original signed credit application, complete account history, internal verification logs, and a detailed explanation of the verification processor, failing that, permanently delete this account from all consumer credit files maintained by XXXX, XXXX, and XXXX. Continued reporting of this unverifiable account constitutes reckless disregard of consumer protection laws and a clear violation of federal rights. XXXX XXXX, through his authorized representative XXXX XXXX respectfully requests full enforcement action and any applicable civil penalties to ensure compliance and restoration of accurate reporting.'","date_sent_to_company":"2025-11-05T22:44:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"17036616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-11-05T22:38:54.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Continued reporting of this unverifiable account constitutes <em>reckless</em> <em>disregard</em> of consumer protection laws and a clear violation of <em>federal</em> rights. XXXX XXXX, through his authorized representative XXXX XXXX respectfully requests full enforcement action and any applicable civil penalties to ensure <em>compliance</em> and restoration of accurate reporting.'"]},"sort":[19.24498,"17036616"]},{"_index":"complaint-public-v1","_id":"14159440","_score":19.189976,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit reporting agencies are willfully violating my rights under multiple federal consumer protection laws by continuing to report inaccurate, incomplete, and conflicting information on my credit reports despite multiple disputes and opportunities to correct the information. These agencies have completely failed to comply with FCRA 15 USC 1681i ( failure to conduct reasonable reinvestigation ), 1681e ( b ) ( failure to maintain maximum possible accuracy ), and 1681n ( willful noncompliance ), as well as violations under Metro 2 compliance standards. \n\nSpecifically, the XXXX XXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX  ) are reporting grossly inconsistent data across Equifax, Experian, and TransUnion. The payment histories, charge-off dates, late payment statuses, and balances are conflicting between the bureaus. These conflicting data entries can not coexist for the same consumer file, making the entire reporting unverifiable, obsolete, and legally impossible to validate. \n\nThe bureaus had more than sufficient time and multiple opportunities to verify or correct this reporting but continue to recklessly publish and furnish false information, directly damaging my creditworthiness. Their repeated failure to correct these inaccuracies after formal disputes constitutes willful noncompliance and reckless disregard for my rights under the law. \n\nAdditionally, these violations are even more egregious considering I am a known victim of the Equifax Data Breach and the XXXX XXXXc Data Breach. My personal information has been compromised, making strict adherence to FCRA accuracy standards even more critical. Yet, these agencies continue to mishandle and circulate unverifiable derogatory information.","date_sent_to_company":"2025-06-18T10:08:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10458","tags":null,"has_narrative":true,"complaint_id":"14159440","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-18T09:59:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The bureaus had more than sufficient time and multiple opportunities to verify or correct this reporting but continue to <em>recklessly</em> publish and furnish false information, directly damaging my creditworthiness. Their repeated failure to correct these inaccuracies after formal disputes constitutes willful noncompliance and <em>reckless</em> <em>disregard</em> for my rights under the law."]},"sort":[19.189976,"14159440"]},{"_index":"complaint-public-v1","_id":"11553279","_score":19.124157,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX has repeatedly denied my disputes, claiming the information is accurate, despite clear evidence to the contrary. I believe this conduct violates several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ). \n\nViolations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies like XXXX have a duty to ensure the accuracy and completeness of the information they report. Specifically : 1. 15 U.S.C. 1681e ( b ) : This provision requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. By failing to adequately investigate my disputes and relying solely on the furnishers verification, XXXX has failed to meet this obligation. \n2. 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Court decisions such as Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) affirm that a superficial or automated reinvestigation process does not satisfy this requirement. Experians consistent denial of my disputes without proper investigation suggests a violation of this statute.\n\n3. 15 U.S.C. 1681c ( f ) : The FCRA also prohibits reporting information that can not be verified. Given that XXXX continues to report incorrect information despite my disputes, it raises questions about their compliance with this provision. \n\nNegligence and Reckless Disregard Courts have held credit reporting agencies accountable for negligent or reckless behavior regarding the accuracy of consumer reports. For instance, in *XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.","date_sent_to_company":"2025-01-15T18:10:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85201","tags":null,"has_narrative":true,"complaint_id":"11553279","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-15T18:08:09.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Negligence and <em>Reckless</em> <em>Disregard</em> Courts have held credit reporting agencies accountable for negligent or <em>reckless</em> behavior regarding the accuracy of consumer reports. For instance, in *XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX."]},"sort":[19.124157,"11553279"]},{"_index":"complaint-public-v1","_id":"16458621","_score":19.107487,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am demanding the permanent deletion of the following accounts from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and Metro 2 compliance standards. Your repeated failure to correct or delete these accounts despite prior disputes constitutes willful noncompliance and reckless disregard of consumer protection laws. \n\nXXXX XXXX - XXXX I am demanding immediate action regarding this XXXX  XXXX account. I have disputed this several times, yet you continue to publish false, misleading, and unverifiable late payment notations. This is a direct violation of FCRA 1681i for failure to conduct a reasonable investigation, FCRA 1681e ( b ) for knowingly reporting inaccurate data, and Metro 2 compliance standards that prohibit the reporting of contradictory or incomplete information. \n\nYour continued reporting of these derogatory late payments without verified documentation is willful noncompliance and reckless disregard for federal law. Each time you verify without proof, you violate my consumer rights and knowingly damage my creditworthiness. You are required to ensure maximum possible accuracy, yet you have failed to do so. \n\nI am demanding that you permanently DELETE the inaccurate late payment remarks and immediately update this account to reflect Pays as Agreed. If you can not provide proper proof that meets Metro 2 and FCRA standards, then you must permanently DELETE the entire account for failure to comply with federal law. I refuse to accept repeated rubber-stamp verifications that do not meet the standard of a reasonable investigation. Failure to correct this will be considered intentional harm to my credit standing and a violation of my rights under federal law. \n\nIncorrect Date of Birth - XX/XX/XXXX This is my final warning before I escalate this legally. You are deliberately failing to correct inaccurate personal information, violating 15 U.S. Code 1681s-2. This is a blatant FCRA violation, and I am fully prepared to take legal action. You have 5 days to remove all false personal data, or I will proceed with formal complaints and legal action. \n\nIncorrect Address - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This is my final warning before I escalate this legally. You are deliberately failing to correct inaccurate personal information, violating 15 U.S. Code 1681s-2. This is a blatant FCRA violation, and I am fully prepared to take legal action. You have 5 days to remove all false personal data, or I will proceed with formal complaints and legal action. \n\nIf you fail to permanently delete these items, I will escalate this matter with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for your willful noncompliance and negligent harm to my creditworthiness. \n\nYou have no lawful basis to continue publishing unverifiable, false, and inconsistent data. Under FCRA 611, you are required to delete this information. I expect full compliance within the time allowed by law. \n\nXXXX XXXX XXXX- XXXX I am demanding that this XXXX XXXX XXXX account be permanently deleted from my Experian and TransUnion credit reports. This account has already been deleted from Equifax due to lack of verifiability, which proves you do not have lawful documentation to continue reporting it. Yet you are still publishing this derogatory information, which is a direct violation of FCRA 1681i and 1681e ( b ).\n\nYour reporting is inconsistent across bureaus, violating Metro 2 compliance standards requiring uniform and accurate reporting. You can not verify an account with one bureau while deleting it from another. Such contradictions clearly show the data is unverifiable and misleading. Continuing to report this false account is reckless, negligent, and willful noncompliance with federal law. \n\nThis account provides no positive impact on my credit profile, and its presence only serves to damage my creditworthiness. Under FCRA 611, unverifiable information must be permanently deleted. I demand that you immediately DELETE this account entirely from Experian and TransUnion. Any further refusal to delete will be treated as intentional harm and unlawful reporting. \n\nXXXX XXXX XXXX XXXX - XXXX I am demanding the immediate and permanent deletion of this XXXX XXXX XXXX XXXX account from my Experian report. This account has already been deleted from the other credit bureaus for lack of verifiability, yet you continue to publish false and misleading information in violation of FCRA 1681i and 1681e ( b ).\n\nYour reporting is inconsistent across the bureaus, which is a direct breach of Metro 2 compliance requiring uniform accuracy. The fact that this account was deleted elsewhere proves you can not properly verify or document it. By continuing to report it on Experian alone, you are knowingly publishing unverifiable and damaging information, which constitutes willful noncompliance and reckless disregard for consumer protection laws. \n\nThis account has been deemed unverifiable and must be permanently DELETED from Experian. You can not lawfully re-age or selectively report a charge-off that no longer exists across all credit files. FCRA 611 requires you to delete unverifiable information, and your refusal to do so demonstrates gross negligence. I am not asking for another investigation or correction. I am demanding full and immediate permanent deletion of this account from Experian, as you have no legal right to continue reporting it. \n\nUnauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of the above inquiries is a direct violation of 15 U.S. Code 1681b, which strictly limits access to my credit file. I did not apply for credit or give written consent for these inquiries. Providing my report without my authorization is illegal.\n\nIf you can not provide a signed, legally admissible authorization, you must remove each inquiry immediately. Failure to comply will result in formal complaints to the CFPB, FTC, and legal action for willful noncompliance. DELETE NOW. \n\nIncorrect Personal Information Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my final warning before I escalate this legally. You are deliberately failing to correct inaccurate personal information, violating 15 U.S. Code 1681s-2. This is a blatant FCRA violation, and I am fully prepared to take legal action. You have 5 days to remove all false personal data, or I will proceed with formal complaints and legal action. \n\nThe bureaus continued rubber-stamp verifications, inconsistent reporting across credit agencies, and failure to remove unverifiable data demonstrate willful noncompliance and reckless disregard for federal law and consumer rights. Their actions ( and inactions ) are unlawful, negligent, and harmful, particularly given my Equifax Data Breach status, which heightens the risk of ongoing data inaccuracy and identity misuse.","date_sent_to_company":"2025-10-08T07:51:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92392","tags":null,"has_narrative":true,"complaint_id":"16458621","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-08T07:50:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is a direct violation of <em>FCRA</em> 1681i for failure to conduct a reasonable investigation, <em>FCRA</em> 1681e ( b ) for knowingly reporting inaccurate data, and Metro 2 <em>compliance</em> standards that prohibit the reporting of contradictory or incomplete information. \n\nYour continued reporting of these derogatory late payments without verified documentation is willful noncompliance and <em>reckless</em> <em>disregard</em> for <em>federal</em> law."]},"sort":[19.107487,"16458621"]},{"_index":"complaint-public-v1","_id":"16458620","_score":19.107487,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am demanding the permanent deletion of the following accounts from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and Metro 2 compliance standards. Your repeated failure to correct or delete these accounts despite prior disputes constitutes willful noncompliance and reckless disregard of consumer protection laws. \n\nXXXX XXXX - XXXX I am demanding immediate action regarding this XXXX  XXXX account. I have disputed this several times, yet you continue to publish false, misleading, and unverifiable late payment notations. This is a direct violation of FCRA 1681i for failure to conduct a reasonable investigation, FCRA 1681e ( b ) for knowingly reporting inaccurate data, and Metro 2 compliance standards that prohibit the reporting of contradictory or incomplete information. \n\nYour continued reporting of these derogatory late payments without verified documentation is willful noncompliance and reckless disregard for federal law. Each time you verify without proof, you violate my consumer rights and knowingly damage my creditworthiness. You are required to ensure maximum possible accuracy, yet you have failed to do so. \n\nI am demanding that you permanently DELETE the inaccurate late payment remarks and immediately update this account to reflect Pays as Agreed. If you can not provide proper proof that meets Metro 2 and FCRA standards, then you must permanently DELETE the entire account for failure to comply with federal law. I refuse to accept repeated rubber-stamp verifications that do not meet the standard of a reasonable investigation. Failure to correct this will be considered intentional harm to my credit standing and a violation of my rights under federal law. \n\nIncorrect Date of Birth - XX/XX/XXXX This is my final warning before I escalate this legally. You are deliberately failing to correct inaccurate personal information, violating 15 U.S. Code 1681s-2. This is a blatant FCRA violation, and I am fully prepared to take legal action. You have 5 days to remove all false personal data, or I will proceed with formal complaints and legal action. \n\nIncorrect Address - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This is my final warning before I escalate this legally. You are deliberately failing to correct inaccurate personal information, violating 15 U.S. Code 1681s-2. This is a blatant FCRA violation, and I am fully prepared to take legal action. You have 5 days to remove all false personal data, or I will proceed with formal complaints and legal action. \n\nIf you fail to permanently delete these items, I will escalate this matter with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for your willful noncompliance and negligent harm to my creditworthiness. \n\nYou have no lawful basis to continue publishing unverifiable, false, and inconsistent data. Under FCRA 611, you are required to delete this information. I expect full compliance within the time allowed by law. \n\nXXXX XXXX XXXX- XXXX I am demanding that this XXXX XXXX XXXX account be permanently deleted from my Experian and TransUnion credit reports. This account has already been deleted from Equifax due to lack of verifiability, which proves you do not have lawful documentation to continue reporting it. Yet you are still publishing this derogatory information, which is a direct violation of FCRA 1681i and 1681e ( b ).\n\nYour reporting is inconsistent across bureaus, violating Metro 2 compliance standards requiring uniform and accurate reporting. You can not verify an account with one bureau while deleting it from another. Such contradictions clearly show the data is unverifiable and misleading. Continuing to report this false account is reckless, negligent, and willful noncompliance with federal law. \n\nThis account provides no positive impact on my credit profile, and its presence only serves to damage my creditworthiness. Under FCRA 611, unverifiable information must be permanently deleted. I demand that you immediately DELETE this account entirely from Experian and TransUnion. Any further refusal to delete will be treated as intentional harm and unlawful reporting. \n\nXXXX XXXX XXXX XXXX - XXXX I am demanding the immediate and permanent deletion of this XXXX XXXX XXXX XXXX account from my Experian report. This account has already been deleted from the other credit bureaus for lack of verifiability, yet you continue to publish false and misleading information in violation of FCRA 1681i and 1681e ( b ).\n\nYour reporting is inconsistent across the bureaus, which is a direct breach of Metro 2 compliance requiring uniform accuracy. The fact that this account was deleted elsewhere proves you can not properly verify or document it. By continuing to report it on Experian alone, you are knowingly publishing unverifiable and damaging information, which constitutes willful noncompliance and reckless disregard for consumer protection laws. \n\nThis account has been deemed unverifiable and must be permanently DELETED from Experian. You can not lawfully re-age or selectively report a charge-off that no longer exists across all credit files. FCRA 611 requires you to delete unverifiable information, and your refusal to do so demonstrates gross negligence. I am not asking for another investigation or correction. I am demanding full and immediate permanent deletion of this account from Experian, as you have no legal right to continue reporting it. \n\nUnauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of the above inquiries is a direct violation of 15 U.S. Code 1681b, which strictly limits access to my credit file. I did not apply for credit or give written consent for these inquiries. Providing my report without my authorization is illegal.\n\nIf you can not provide a signed, legally admissible authorization, you must remove each inquiry immediately. Failure to comply will result in formal complaints to the CFPB, FTC, and legal action for willful noncompliance. DELETE NOW. \n\nIncorrect Personal Information Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my final warning before I escalate this legally. You are deliberately failing to correct inaccurate personal information, violating 15 U.S. Code 1681s-2. This is a blatant FCRA violation, and I am fully prepared to take legal action. You have 5 days to remove all false personal data, or I will proceed with formal complaints and legal action. \n\nThe bureaus continued rubber-stamp verifications, inconsistent reporting across credit agencies, and failure to remove unverifiable data demonstrate willful noncompliance and reckless disregard for federal law and consumer rights. Their actions ( and inactions ) are unlawful, negligent, and harmful, particularly given my Equifax Data Breach status, which heightens the risk of ongoing data inaccuracy and identity misuse.","date_sent_to_company":"2025-10-08T07:51:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92392","tags":null,"has_narrative":true,"complaint_id":"16458620","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-08T07:50:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is a direct violation of <em>FCRA</em> 1681i for failure to conduct a reasonable investigation, <em>FCRA</em> 1681e ( b ) for knowingly reporting inaccurate data, and Metro 2 <em>compliance</em> standards that prohibit the reporting of contradictory or incomplete information. \n\nYour continued reporting of these derogatory late payments without verified documentation is willful noncompliance and <em>reckless</em> <em>disregard</em> for <em>federal</em> law."]},"sort":[19.107487,"16458620"]},{"_index":"complaint-public-v1","_id":"16459557","_score":19.073683,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am demanding the permanent deletion of the following accounts from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and Metro 2 compliance standards. Your repeated failure to correct or delete these accounts despite prior disputes constitutes willful noncompliance and reckless disregard of consumer protection laws. \n\nXXXX XXXX - XXXX I am demanding immediate action regarding this XXXX  XXXX account. I have disputed this several times, yet you continue to publish false, misleading, and unverifiable late payment notations. This is a direct violation of FCRA 1681i for failure to conduct a reasonable investigation, FCRA 1681e ( b ) for knowingly reporting inaccurate data, and Metro 2 compliance standards that prohibit the reporting of contradictory or incomplete information. \n\nYour continued reporting of these derogatory late payments without verified documentation is willful noncompliance and reckless disregard for federal law. Each time you verify without proof, you violate my consumer rights and knowingly damage my creditworthiness. You are required to ensure maximum possible accuracy, yet you have failed to do so. \n\nI am demanding that you permanently DELETE the inaccurate late payment remarks and immediately update this account to reflect Pays as Agreed. If you can not provide proper proof that meets Metro 2 and FCRA standards, then you must permanently DELETE the entire account for failure to comply with federal law. I refuse to accept repeated rubber-stamp verifications that do not meet the standard of a reasonable investigation. Failure to correct this will be considered intentional harm to my credit standing and a violation of my rights under federal law. \n\nIncorrect Date of Birth - XX/XX/XXXX This is my final warning before I escalate this legally. You are deliberately failing to correct inaccurate personal information, violating 15 U.S. Code 1681s-2. This is a blatant FCRA violation, and I am fully prepared to take legal action. You have 5 days to remove all false personal data, or I will proceed with formal complaints and legal action. \n\nIncorrect Address - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This is my final warning before I escalate this legally. You are deliberately failing to correct inaccurate personal information, violating 15 U.S. Code 1681s-2. This is a blatant FCRA violation, and I am fully prepared to take legal action. You have 5 days to remove all false personal data, or I will proceed with formal complaints and legal action. \n\nIf you fail to permanently delete these items, I will escalate this matter with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for your willful noncompliance and negligent harm to my creditworthiness. \n\nYou have no lawful basis to continue publishing unverifiable, false, and inconsistent data. Under FCRA 611, you are required to delete this information. I expect full compliance within the time allowed by law. \n\nXXXX XXXX XXXX- XXXX I am demanding that this XXXX XXXX XXXX account be permanently deleted from my Experian and TransUnion credit reports. This account has already been deleted from Equifax due to lack of verifiability, which proves you do not have lawful documentation to continue reporting it. Yet you are still publishing this derogatory information, which is a direct violation of FCRA 1681i and 1681e ( b ).\n\nYour reporting is inconsistent across bureaus, violating Metro 2 compliance standards requiring uniform and accurate reporting. You can not verify an account with one bureau while deleting it from another. Such contradictions clearly show the data is unverifiable and misleading. Continuing to report this false account is reckless, negligent, and willful noncompliance with federal law. \n\nThis account provides no positive impact on my credit profile, and its presence only serves to damage my creditworthiness. Under FCRA 611, unverifiable information must be permanently deleted. I demand that you immediately DELETE this account entirely from Experian and TransUnion. Any further refusal to delete will be treated as intentional harm and unlawful reporting. \n\nXXXX XXXX XXXX XXXX - XXXX I am demanding the immediate and permanent deletion of this XXXX XXXX XXXX XXXX account from my Experian report. This account has already been deleted from the other credit bureaus for lack of verifiability, yet you continue to publish false and misleading information in violation of FCRA 1681i and 1681e ( b ).\n\nYour reporting is inconsistent across the bureaus, which is a direct breach of Metro 2 compliance requiring uniform accuracy. The fact that this account was deleted elsewhere proves you can not properly verify or document it. By continuing to report it on Experian alone, you are knowingly publishing unverifiable and damaging information, which constitutes willful noncompliance and reckless disregard for consumer protection laws. \n\nThis account has been deemed unverifiable and must be permanently DELETED from Experian. You can not lawfully re-age or selectively report a charge-off that no longer exists across all credit files. FCRA 611 requires you to delete unverifiable information, and your refusal to do so demonstrates gross negligence. I am not asking for another investigation or correction. I am demanding full and immediate permanent deletion of this account from Experian, as you have no legal right to continue reporting it. \n\nUnauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of the above inquiries is a direct violation of 15 U.S. Code 1681b, which strictly limits access to my credit file. I did not apply for credit or give written consent for these inquiries. Providing my report without my authorization is illegal.\n\nIf you can not provide a signed, legally admissible authorization, you must remove each inquiry immediately. Failure to comply will result in formal complaints to the CFPB, FTC, and legal action for willful noncompliance. DELETE NOW. \n\nIncorrect Personal Information Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my final warning before I escalate this legally. You are deliberately failing to correct inaccurate personal information, violating 15 U.S. Code 1681s-2. This is a blatant FCRA violation, and I am fully prepared to take legal action. You have 5 days to remove all false personal data, or I will proceed with formal complaints and legal action. \n\nThe bureaus continued rubber-stamp verifications, inconsistent reporting across credit agencies, and failure to remove unverifiable data demonstrate willful noncompliance and reckless disregard for federal law and consumer rights. Their actions ( and inactions ) are unlawful, negligent, and harmful, particularly given my Equifax Data Breach status, which heightens the risk of ongoing data inaccuracy and identity misuse.","date_sent_to_company":"2025-10-08T07:51:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92392","tags":null,"has_narrative":true,"complaint_id":"16459557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-08T07:43:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is a direct violation of <em>FCRA</em> 1681i for failure to conduct a reasonable investigation, <em>FCRA</em> 1681e ( b ) for knowingly reporting inaccurate data, and Metro 2 <em>compliance</em> standards that prohibit the reporting of contradictory or incomplete information. \n\nYour continued reporting of these derogatory late payments without verified documentation is willful noncompliance and <em>reckless</em> <em>disregard</em> for <em>federal</em> law."]},"sort":[19.073683,"16459557"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1115,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1115}]}},"product":{"doc_count":1115,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1014,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1006},{"key":"Other personal consumer report","doc_count":8}]}},{"key":"Debt collection","doc_count":73,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":31},{"key":"I do not know","doc_count":22},{"key":"Auto debt","doc_count":6},{"key":"Other debt","doc_count":6},{"key":"Telecommunications debt","doc_count":5},{"key":"Rental debt","doc_count":2},{"key":"Medical debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":12}]}},{"key":"Credit card","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":6},{"key":"Store credit card","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":3}]}},{"key":"Mortgage","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"VA mortgage","doc_count":2}]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":2}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}}]}},"issue":{"doc_count":1115,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":513,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":406},{"key":"Account information incorrect","doc_count":40},{"key":"Public record information inaccurate","doc_count":31},{"key":"Account status incorrect","doc_count":28},{"key":"Old information reappears or never goes away","doc_count":5},{"key":"Personal information incorrect","doc_count":2},{"key":"Information is missing that should be on the report","doc_count":1}]}},{"key":"Improper use of your report","doc_count":292,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":251},{"key":"Credit inquiries on your report that you don't recognize","doc_count":28},{"key":"Report provided to employer without your written authorization","doc_count":13}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":202,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":152},{"key":"Investigation took more than 30 days","doc_count":29},{"key":"Was not notified of investigation status or results","doc_count":10},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":8},{"key":"Problem with personal statement of dispute","doc_count":3}]}},{"key":"Attempts to collect debt not owed","doc_count":46,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":28},{"key":"Debt was result of identity theft","doc_count":14},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":3},{"key":"Debt was paid","doc_count":1}]}},{"key":"False statements or representation","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":15}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":9},{"key":"Investigation took more than 30 days","doc_count":3}]}},{"key":"Written notification about debt","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":5},{"key":"Didn't receive notice of right to dispute","doc_count":3}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":3},{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1}]}},{"key":"Electronic communications","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":3}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":2}]}},{"key":"Dealing with your lender or servicer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":2}]}},{"key":"Getting a credit card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":2}]}},{"key":"Managing the loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":2}]}},{"key":"Trouble during payment process","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":2}]}},{"key":"Getting the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Funds not handled or disbursed as instructed","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":1}]}},{"key":"Struggling to pay your bill","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't work with you while you're going through financial hardship","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Collected or attempted to collect exempt funds","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":1}]}}]}},"timely":{"doc_count":1115,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":1113},{"key":"No","doc_count":2}]}},"company_response":{"doc_count":1115,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":641},{"key":"Closed with non-monetary relief","doc_count":473},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":1115,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":1115}]}},"company":{"doc_count":1115,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":332},{"key":"Experian Information Solutions Inc.","doc_count":331},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":300},{"key":"JPMORGAN CHASE & CO.","doc_count":8},{"key":"LEXISNEXIS","doc_count":8},{"key":"Resurgent Capital Services L.P.","doc_count":8},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":6},{"key":"RAS LaVrar, LLC","doc_count":6},{"key":"AMERICAN EXPRESS COMPANY","doc_count":5},{"key":"SYNCHRONY FINANCIAL","doc_count":4},{"key":"Shellpoint Partners, LLC","doc_count":4},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":3},{"key":"CL Holdings LLC","doc_count":3},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":3},{"key":"Nelnet, Inc.","doc_count":3},{"key":"Portfolio Recovery Associates, LLC","doc_count":3},{"key":"BARCLAYS BANK DELAWARE","doc_count":2},{"key":"CarMax, Inc.","doc_count":2},{"key":"Central Portfolio Control Inc.","doc_count":2},{"key":"DISCOVER BANK","doc_count":2},{"key":"Early Warning Services, LLC","doc_count":2},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":2},{"key":"GOLDMAN SACHS BANK USA","doc_count":2},{"key":"Harris & Harris, Ltd.","doc_count":2},{"key":"Kikoff Inc.","doc_count":2},{"key":"Mercedes Benz Financial Services","doc_count":2},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":2},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":2},{"key":"National Credit Adjusters, LLC","doc_count":2},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":2},{"key":"Spring Oaks Capital, LLC","doc_count":2},{"key":"Aldridge PIte Haan, LLP","doc_count":1},{"key":"Allied Collection Services, Inc. (Nevada)","doc_count":1},{"key":"Alorica Inc.","doc_count":1},{"key":"American Credit Acceptance, LLC","doc_count":1},{"key":"Atlanticus Services Corporation","doc_count":1},{"key":"BMW Financial Services NA, LLC","doc_count":1},{"key":"BTH Management","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"Bridgecrest Acceptance Corporation","doc_count":1},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":1},{"key":"CARRINGTON MORTGAGE SERVICES, LLC","doc_count":1},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":1},{"key":"CBC Companies, Inc.","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"CITIBANK, N.A.","doc_count":1},{"key":"CORELOGIC INC","doc_count":1},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":1},{"key":"CashRepublic Holdings, Inc.","doc_count":1},{"key":"Cedars Business Services, LLC","doc_count":1},{"key":"Clark County Collection Service","doc_count":1},{"key":"Collection Management Holdings, LLC","doc_count":1},{"key":"Consumer Portfolio Services, Inc.","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"Danco Financial Services, LLC","doc_count":1},{"key":"Diversified Adjustment Service, Inc.","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"FC HoldCo LLC","doc_count":1},{"key":"FIRST ADVANTAGE CORPORATION","doc_count":1},{"key":"FIRST NATIONAL BANK OF OMAHA","doc_count":1},{"key":"GOLDEN 1 CREDIT UNION, THE","doc_count":1},{"key":"General Motors Financial Company, Inc.","doc_count":1},{"key":"HW Holding, Inc","doc_count":1},{"key":"Harley Davidson Financial Services Inc","doc_count":1},{"key":"ID Analytics, Inc.","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"Kovo","doc_count":1},{"key":"Kriya Capital, LLC","doc_count":1},{"key":"LCI Acquisition Inc.","doc_count":1},{"key":"Marlette Funding, LLC","doc_count":1},{"key":"Messerli & Kramer P.A.","doc_count":1},{"key":"Millco Management","doc_count":1},{"key":"National Credit Systems,Inc.","doc_count":1},{"key":"OneMain Finance Corporation","doc_count":1},{"key":"PATRICK A. CAREY, P.A.","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"Pollack & Rosen, P.A.","doc_count":1},{"key":"Rausch Sturm LLP","doc_count":1},{"key":"RentDebt Automated Collections, LLC","doc_count":1},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":1},{"key":"Southern Credit Adjusters, Inc.","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"TRANSWORLD SYSTEMS INC","doc_count":1},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":1},{"key":"TekCollect Inc.","doc_count":1},{"key":"Upstart Holdings, Inc.","doc_count":1},{"key":"Velocity Portfolio Group","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":1115,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":269},{"key":"FL","doc_count":118},{"key":"TX","doc_count":108},{"key":"NY","doc_count":101},{"key":"GA","doc_count":86},{"key":"VA","doc_count":51},{"key":"NJ","doc_count":39},{"key":"AZ","doc_count":35},{"key":"MI","doc_count":33},{"key":"NC","doc_count":25},{"key":"PA","doc_count":22},{"key":"MD","doc_count":20},{"key":"SC","doc_count":20},{"key":"KY","doc_count":18},{"key":"MN","doc_count":13},{"key":"NV","doc_count":13},{"key":"OH","doc_count":12},{"key":"WI","doc_count":11},{"key":"AL","doc_count":10},{"key":"LA","doc_count":10},{"key":"MA","doc_count":10},{"key":"MO","doc_count":10},{"key":"OR","doc_count":9},{"key":"TN","doc_count":9},{"key":"IL","doc_count":8},{"key":"MS","doc_count":7},{"key":"AR","doc_count":6},{"key":"CO","doc_count":6},{"key":"OK","doc_count":6},{"key":"WA","doc_count":5},{"key":"DC","doc_count":4},{"key":"CT","doc_count":3},{"key":"HI","doc_count":3},{"key":"MT","doc_count":3},{"key":"NH","doc_count":3},{"key":"ID","doc_count":2},{"key":"NM","doc_count":2},{"key":"PR","doc_count":2},{"key":"IN","doc_count":1},{"key":"NE","doc_count":1},{"key":"WY","doc_count":1}]}},"company_public_response":{"doc_count":1115,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":656},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":14}]}},"tags":{"doc_count":1115,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":54},{"key":"Older American","doc_count":29},{"key":"Older American, Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[19.073683,"16459557"],"3":[18.837738,"12889102"],"4":[18.70372,"15746349"],"5":[17.716555,"12357699"],"6":[16.712921,"14186491"],"7":[15.91064,"12288662"],"8":[15.581156,"11959003"]}}}