{"took":185,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":20009,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13314678","_score":15.369701,"_source":{"product":"Student loan","complaint_what_happened":"Formal Dispute of Inaccurate Information under FCRA and FDCPA Compliance I am writing to formally dispute inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following accounts contain erroneous, unverifiable, and misleading information that must be investigated and corrected immediately. Account Disputes : Ed Financial XXXX ( Original Creditor : Department of Education/XXXX  XXXX XXXX. Account name EDFINANCIAL SERVICES  XXXX Account XXXX Dispute Basis : The reported date opened is ( XX/XX/year> ), which is impossible. I never authorized information tl be soled to third party. I havent signed any agreements for this action. This is clearly inaccurate and unverifiable per Metro 2 compliance. Please delete this account immediately. As per the FCRA, a hard inquiry can only be listed on my credit report if I initiated the application process and granted explicit consent. Please provide evidence of my signed authorization or remove these inquiries immediately. Per the Fair Credit Reporting Act ( FCRA ), you are required to conduct an investigation within XXXX days and remove any information that can not be verified or is inaccurate. Additionally, under Metro 2 compliance, data furnishers must ensure all reported information is complete, accurate, and timely. The erroneous information listed above fails to meet these requirements and must be removed immediately. Please provide written confirmation of the deletions or corrections within the required time frame.","date_sent_to_company":"2025-05-03T17:40:31.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"77471","tags":null,"has_narrative":true,"complaint_id":"13314678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-05-03T17:34:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Per the Fair Credit Reporting Act ( <em>FCRA</em> ), you are <em>required</em> to conduct an investigation within XXXX days and <em>remove</em> any information that can not be verified or is inaccurate. Additionally, under Metro 2 <em>compliance</em>, data furnishers must ensure all reported information is complete, accurate, and timely. The erroneous information listed above fails to meet these requirements and must be <em>removed</em> <em>immediately</em>."]},"sort":[15.369701,"13314678"]},{"_index":"complaint-public-v1","_id":"12153180","_score":15.058527,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.\n\nI have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report. The credit bureaus are required to either prove Metro 2 compliance within 5 business days or delete the accounts immediately.\n\nI am requesting CFPB oversight to ensure these credit bureaus comply with Metro 2 reporting requirements and remove all non-compliant negative accounts and inquiries from my file within 5-7 days.\n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-02-20T17:32:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"12153180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-20T17:31:32.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting this complaint due to Metro 2 <em>compliance</em> violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full <em>compliance</em> with Metro 2 data formatting standards, which means they must be <em>removed</em> <em>immediately</em> under <em>FCRA</em> laws.\n\nI have attached Metro 2 <em>Compliance</em> Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report."]},"sort":[15.058527,"12153180"]},{"_index":"complaint-public-v1","_id":"12153177","_score":15.058527,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.\n\nI have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report. The credit bureaus are required to either prove Metro 2 compliance within 5 business days or delete the accounts immediately.\n\nI am requesting CFPB oversight to ensure these credit bureaus comply with Metro 2 reporting requirements and remove all non-compliant negative accounts and inquiries from my file within 5-7 days.\n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-02-20T17:32:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"12153177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-20T17:31:32.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting this complaint due to Metro 2 <em>compliance</em> violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full <em>compliance</em> with Metro 2 data formatting standards, which means they must be <em>removed</em> <em>immediately</em> under <em>FCRA</em> laws.\n\nI have attached Metro 2 <em>Compliance</em> Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report."]},"sort":[15.058527,"12153177"]},{"_index":"complaint-public-v1","_id":"12152678","_score":15.014076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.\n\nI have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report. The credit bureaus are required to either prove Metro 2 compliance within 5 business days or delete the accounts immediately.\n\nI am requesting CFPB oversight to ensure these credit bureaus comply with Metro 2 reporting requirements and remove all non-compliant negative accounts and inquiries from my file within 5-7 days.\n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-02-20T17:32:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"12152678","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-20T17:22:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting this complaint due to Metro 2 <em>compliance</em> violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full <em>compliance</em> with Metro 2 data formatting standards, which means they must be <em>removed</em> <em>immediately</em> under <em>FCRA</em> laws.\n\nI have attached Metro 2 <em>Compliance</em> Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report."]},"sort":[15.014076,"12152678"]},{"_index":"complaint-public-v1","_id":"12144132","_score":14.54717,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary for CFPB Metro 2 Compliance Challenge ( Escalation Request ) I am escalating this complaint due to the failure to properly address my previous dispute under FCRA. The first time, I filed a traditional FCRA dispute, which gave them 30 days to respond. However, this time, I am not disputing the accountsI am demanding immediate deletion under Metro 2 Compliance standards, which requires them to either prove compliance or remove the accounts immediately within 5 business days.\n\nUnder CDIAs Metro 2 guidelines, TransUnion is required to ensure that all data is fully compliant with Metro 2 formatting and reporting standards. These accounts do not meet Metro 2 compliance, meaning they must be deleted immediately or they will be in violation of federal data reporting laws.\n\nKey Issues with their Non-Compliance : They have already been notified but are acting as if they did not receive my previous request.\n\nThese accounts are not properly formatted under Metro 2, making them legally unreportable and subject to immediate deletion.\n\nUnder 15 U.S.C. 1681e ( b ) & 1681i ( 5 ) ( A ), they must either validate full Metro 2 compliance or delete these accounts immediatelynot in 30 days, but within 5 business days.\n\nI have re-attached my Metro 2 Compliance Letter with full documentation for review. \n\nThank you for your prompt attention.","date_sent_to_company":"2025-02-21T02:33:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"12144132","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-21T02:26:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complaint Summary for CFPB Metro 2 <em>Compliance</em> Challenge ( Escalation Request ) I am escalating this complaint due to the failure to properly address my previous dispute under <em>FCRA</em>. The first time, I filed a traditional <em>FCRA</em> dispute, which gave them 30 days to respond. However, this time, I am not disputing the accountsI am demanding immediate deletion under Metro 2 <em>Compliance</em> standards, which <em>requires</em> them to either prove <em>compliance</em> or <em>remove</em> the accounts <em>immediately</em> within 5 business days."]},"sort":[14.54717,"12144132"]},{"_index":"complaint-public-v1","_id":"6148561","_score":14.543442,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Transunion is willing noncomplying to my requests. \nThis is not a Dispute I am requesting items I identified removed from my consumer report pursuant to 15 USC 1681c-2 as a result of identity theft immediately, I already disputed which I shouldnt have to if your are in Compliance there shouldnt be a Dispute items should be removed in 4 days and where the investigations evidence that you are in accordance.why havent they I received a update in mail this isnt proper action by a credit reporting agency who in compliance with FCRA standards See attached required information for block","date_sent_to_company":"2022-10-31T08:03:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"6148561","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-31T07:53:40.000Z","state":"PA","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":["This is not a Dispute I am requesting items I identified <em>removed</em> from my consumer report pursuant to 15 USC 1681c-2 as a result of identity theft <em>immediately</em>, I already disputed which I shouldnt have to if your are in <em>Compliance</em> there shouldnt be a Dispute items should be <em>removed</em> in 4 days and where the investigations evidence that you are in accordance.why havent they I received a update in mail this isnt proper action by a credit reporting agency who in <em>compliance</em> with <em>FCRA</em> standards See attached"]},"sort":[14.543442,"6148561"]},{"_index":"complaint-public-v1","_id":"12144085","_score":14.540707,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary for CFPB Metro 2 Compliance Challenge ( Escalation Request ) I am escalating this complaint due to the failure to properly address my previous dispute under FCRA. The first time, I filed a traditional FCRA dispute, which gave them 30 days to respond. However, this time, I am not disputing the accountsI am demanding immediate deletion under Metro 2 Compliance standards, which requires them to either prove compliance or remove the accounts immediately within 5 business days.\n\nUnder CDIAs Metro 2 guidelines, TransUnion is required to ensure that all data is fully compliant with Metro 2 formatting and reporting standards. These accounts do not meet Metro 2 compliance, meaning they must be deleted immediately or they will be in violation of federal data reporting laws.\n\nKey Issues with their Non-Compliance : They have already been notified but are acting as if they did not receive my previous request.\n\nThese accounts are not properly formatted under Metro 2, making them legally unreportable and subject to immediate deletion.\n\nUnder 15 U.S.C. 1681e ( b ) & 1681i ( 5 ) ( A ), they must either validate full Metro 2 compliance or delete these accounts immediatelynot in 30 days, but within 5 business days.\n\nI have re-attached my Metro 2 Compliance Letter with full documentation for review. \n\nThank you for your prompt attention.","date_sent_to_company":"2025-02-21T02:33:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"12144085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-21T02:32:40.000Z","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":["Complaint Summary for CFPB Metro 2 <em>Compliance</em> Challenge ( Escalation Request ) I am escalating this complaint due to the failure to properly address my previous dispute under <em>FCRA</em>. The first time, I filed a traditional <em>FCRA</em> dispute, which gave them 30 days to respond. However, this time, I am not disputing the accountsI am demanding immediate deletion under Metro 2 <em>Compliance</em> standards, which <em>requires</em> them to either prove <em>compliance</em> or <em>remove</em> the accounts <em>immediately</em> within 5 business days."]},"sort":[14.540707,"12144085"]},{"_index":"complaint-public-v1","_id":"11063891","_score":14.439575,"_source":{"product":"Debt collection","complaint_what_happened":"According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately","date_sent_to_company":"2024-12-12T15:43:57.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"15108","tags":null,"has_narrative":true,"complaint_id":"11063891","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2024-12-06T15:50:46.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["The following claims are unverified and <em>require</em> further investigation. Please report any verified claims <em>immediately</em>. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in <em>compliance</em> with regulations or <em>remove</em> <em>immediately</em>"]},"sort":[14.439575,"11063891"]},{"_index":"complaint-public-v1","_id":"12056131","_score":14.406672,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS, OR ARE DEFICENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSEWISE, NOT COMPLIANT, TO INCLUDE TO XXXX XXXX REPORTING STANDARDS. \nEXPERIAN, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX  Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report immediately This is a violation of the FCRA and is a sign of violation of required XXXX XXXX Compliance Reporting. \nBy the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE REULATIONS, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.","date_sent_to_company":"2025-02-12T03:18:40.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"60402","tags":null,"has_narrative":true,"complaint_id":"12056131","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-12T03:09:38.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["EXPERIAN, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX  Please <em>remove</em> this inaccurate, untrue, incomplete, and non-compliant information from my credit report <em>immediately</em> This is a violation of the <em>FCRA</em> and is a sign of violation of <em>required</em> XXXX XXXX <em>Compliance</em> Reporting."]},"sort":[14.406672,"12056131"]},{"_index":"complaint-public-v1","_id":"4015220","_score":14.341935,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor.","date_sent_to_company":"2020-12-16T20:05:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"937XX","tags":null,"has_narrative":true,"complaint_id":"4015220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-12-16T20:05:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["The <em>FCRA</em> <em>requires</em> Credit bureaus to follow up and investigate those inquiries in question and <em>remove</em>. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and <em>remove</em> <em>immediately</em> for non-<em>compliance</em>. Under the laws of the <em>FCRA</em>, Experian is <em>required</em> by the <em>FCRA</em> to follow up with the creditor."]},"sort":[14.341935,"4015220"]},{"_index":"complaint-public-v1","_id":"5791967","_score":14.324933,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am sending a complaint today to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Experian to follow up and investigate those inquiries in question and delete them. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrences or remove them immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor. \nThe following inquiries need to be removed immediately : XXXX XXXX Date of inquiry XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2022 ; XXXX  XXXX  XXXX  Date of inquiry XX/XX/2022 ;","date_sent_to_company":"2022-07-21T05:18:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"5791967","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-21T01:04:50.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The <em>FCRA</em> <em>requires</em> Experian to follow up and investigate those inquiries in question and delete them. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrences or <em>remove</em> them <em>immediately</em> for non-<em>compliance</em>. Under the laws of the <em>FCRA</em>, Experian is <em>required</em> by the <em>FCRA</em> to follow up with the creditor."]},"sort":[14.324933,"5791967"]},{"_index":"complaint-public-v1","_id":"4048610","_score":14.300116,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor.","date_sent_to_company":"2021-01-05T20:21:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"937XX","tags":null,"has_narrative":true,"complaint_id":"4048610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-01-05T20:17:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["The <em>FCRA</em> <em>requires</em> Credit bureaus to follow up and investigate those inquiries in question and <em>remove</em>. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and <em>remove</em> <em>immediately</em> for non-<em>compliance</em>. Under the laws of the <em>FCRA</em>, Experian is <em>required</em> by the <em>FCRA</em> to follow up with the creditor."]},"sort":[14.300116,"4048610"]},{"_index":"complaint-public-v1","_id":"14536630","_score":14.250395,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"These accounts are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to remove fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items immediately to remain in compliance. \nXXXX XXXX XX/XX/year>","date_sent_to_company":"2025-07-10T05:11:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60901","tags":null,"has_narrative":true,"complaint_id":"14536630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-10T04:52:43.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have informed the credit bureaus and original creditors, submitted all <em>required</em> documentation under the <em>FCRA</em>, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with <em>FCRA</em> provisions, including the obligation to <em>remove</em> fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items <em>immediately</em> to remain in <em>compliance</em>. \nXXXX XXXX XX/XX/year>"]},"sort":[14.250395,"14536630"]},{"_index":"complaint-public-v1","_id":"13330800","_score":14.248641,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This credit company has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct thorough investigations and failing to correct or remove the disputed information, as required by law. \n\nI am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full compliance with the FCRA, I will have no choice but to pursue legal action to seek monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under federal law.","date_sent_to_company":"2025-05-04T21:19:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"13330800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-04T21:12:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This credit company has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( <em>FCRA</em> ) by neglecting to conduct thorough investigations and failing to correct or <em>remove</em> the disputed information, as <em>required</em> by law."]},"sort":[14.248641,"13330800"]},{"_index":"complaint-public-v1","_id":"6973958","_score":14.24461,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately","date_sent_to_company":"2023-05-13T19:50:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46307","tags":null,"has_narrative":true,"complaint_id":"6973958","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-13T19:44:17.000Z","state":"IN","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":["Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in <em>compliance</em> with regulations or <em>remove</em> <em>immediately</em>"]},"sort":[14.24461,"6973958"]},{"_index":"complaint-public-v1","_id":"12353623","_score":14.24461,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. \n\nXXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-06T17:51:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11570","tags":null,"has_narrative":true,"complaint_id":"12353623","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-06T17:50:50.000Z","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":["The following claims are unverified and <em>require</em> further investigation. Please report any verified claims <em>immediately</em>. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in <em>compliance</em> with regulations or <em>remove</em> <em>immediately</em>. \n\nXXXX XXXX XXXX XXXX"]},"sort":[14.24461,"12353623"]},{"_index":"complaint-public-v1","_id":"6973938","_score":14.229313,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately","date_sent_to_company":"2023-05-13T19:51:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46307","tags":null,"has_narrative":true,"complaint_id":"6973938","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-13T19:51:00.000Z","state":"IN","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":["Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in <em>compliance</em> with regulations or <em>remove</em> <em>immediately</em>"]},"sort":[14.229313,"6973938"]},{"_index":"complaint-public-v1","_id":"6973937","_score":14.229313,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. 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Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately","date_sent_to_company":"2023-05-13T19:51:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46307","tags":null,"has_narrative":true,"complaint_id":"6973937","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-13T19:51:00.000Z","state":"IN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in <em>compliance</em> with regulations or <em>remove</em> <em>immediately</em>"]},"sort":[14.229313,"6973937"]},{"_index":"complaint-public-v1","_id":"12353901","_score":14.229313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. \n\nXXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-06T17:51:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11570","tags":null,"has_narrative":true,"complaint_id":"12353901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-06T17:14:20.000Z","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":["The following claims are unverified and <em>require</em> further investigation. Please report any verified claims <em>immediately</em>. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in <em>compliance</em> with regulations or <em>remove</em> <em>immediately</em>. \n\nXXXX XXXX XXXX XXXX"]},"sort":[14.229313,"12353901"]},{"_index":"complaint-public-v1","_id":"12348665","_score":14.229313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. \n\nXXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-06T17:51:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11570","tags":null,"has_narrative":true,"complaint_id":"12348665","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-06T17:50:50.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The following claims are unverified and <em>require</em> further investigation. Please report any verified claims <em>immediately</em>. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in <em>compliance</em> with regulations or <em>remove</em> <em>immediately</em>. \n\nXXXX XXXX XXXX XXXX"]},"sort":[14.229313,"12348665"]},{"_index":"complaint-public-v1","_id":"12515369","_score":14.220734,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims areunverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately :","date_sent_to_company":"2025-03-17T16:59:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11570","tags":null,"has_narrative":true,"complaint_id":"12515369","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-17T16:35:41.000Z","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":["Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in <em>compliance</em> with regulations or <em>remove</em> <em>immediately</em> :"]},"sort":[14.220734,"12515369"]},{"_index":"complaint-public-v1","_id":"10637436","_score":14.220734,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately.","date_sent_to_company":"2024-10-31T21:12:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70403","tags":null,"has_narrative":true,"complaint_id":"10637436","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-31T21:07:22.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in <em>compliance</em> with regulations or <em>remove</em> <em>immediately</em>."]},"sort":[14.220734,"10637436"]},{"_index":"complaint-public-v1","_id":"13330087","_score":14.208259,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This credit company has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct thorough investigations and failing to correct or remove the disputed information, as required by law. \n\nI am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full compliance with the FCRA, I will have no choice but to pursue legal action to seek monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under federal law.","date_sent_to_company":"2025-05-04T21:28:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"13330087","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-04T21:21:22.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This credit company has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( <em>FCRA</em> ) by neglecting to conduct thorough investigations and failing to correct or <em>remove</em> the disputed information, as <em>required</em> by law."]},"sort":[14.208259,"13330087"]},{"_index":"complaint-public-v1","_id":"13327874","_score":14.208259,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This credit company has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct thorough investigations and failing to correct or remove the disputed information, as required by law.\n\nI am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full compliance with the FCRA, I will have no choice but to pursue legal action to seek monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under federal law.","date_sent_to_company":"2025-05-04T21:12:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"13327874","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-04T20:53:28.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This credit company has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( <em>FCRA</em> ) by neglecting to conduct thorough investigations and failing to correct or <em>remove</em> the disputed information, as <em>required</em> by law."]},"sort":[14.208259,"13327874"]},{"_index":"complaint-public-v1","_id":"12525282","_score":14.202484,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims areunverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately :","date_sent_to_company":"2025-03-17T16:59:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11570","tags":null,"has_narrative":true,"complaint_id":"12525282","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-17T16:59:10.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in <em>compliance</em> with regulations or <em>remove</em> <em>immediately</em> 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