{"took":73,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":543,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10685394","_score":21.53555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in written composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. \nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \nXXXX XXXX XXXX FOR THE DATES OF XX/XX/year>, XX/XX/year>, XXXX 2024 Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. \nDELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. \nTo be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. \nPLEASE FIX MY REPORT WITHIN 4 DAYS!","date_sent_to_company":"2024-11-04T14:22:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30263","tags":"Servicemember","has_narrative":true,"complaint_id":"10685394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-04T14:22:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN <em>REPORT</em> SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. \nDELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE <em>COMPLIANCE</em> TO <em>FEDERAL</em> <em>REPORTING</em> <em>LAWS</em> AS IS <em>OBLIGATED</em> OF YOU."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[21.53555,"10685394"]},{"_index":"complaint-public-v1","_id":"9119039","_score":21.501299,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. \n\nTo be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. \n\nPLEASE FIX MY REPORT WITHIN 15 DAYS!","date_sent_to_company":"2024-05-28T14:23:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"9119039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-28T14:13:43.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Legally a consumer complaint notices in <em>demand</em> for a check for <em>compliance</em> and further irrefutable evidence to such claim. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per <em>Federal</em> and my states <em>reporting</em> <em>laws</em>, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. <em>Lawfully</em> certificate physically the creditor classification codes, the exact and complete sequenced."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[21.501299,"9119039"]},{"_index":"complaint-public-v1","_id":"10685610","_score":21.08631,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in written composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. \nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \nXXXX XXXX XXXX FOR THE DATES OF XX/XX/year>, XX/XX/year>, XXXX 2024 Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. \nDELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. \nTo be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. \nPLEASE FIX MY REPORT WITHIN 4 DAYS!","date_sent_to_company":"2024-11-04T14:22:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30263","tags":"Servicemember","has_narrative":true,"complaint_id":"10685610","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-04T14:15:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN <em>REPORT</em> SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. \nDELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE <em>COMPLIANCE</em> TO <em>FEDERAL</em> <em>REPORTING</em> <em>LAWS</em> AS IS <em>OBLIGATED</em> OF YOU."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[21.08631,"10685610"]},{"_index":"complaint-public-v1","_id":"10983087","_score":20.545994,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX * *Formal Notice and Demand : ** This is my second formal CFPB complaint demanding that XXXX immediately comply with FCRA S 605B ( 15 U.S.C. S 1681c-2 ). You are legally obligated to block all information related to identity theft and fraud on my credit report within four business days after receiving this notice. Ignoring this is not an option. ** Fraudulent Accounts in Question : ** XXXX XXXX XXXX : Account XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. This account is fraudulent and unauthorized, severely damaging my FICO credit report due to identity theft and fraud. Despite my first complaint, these false records persist, and your negligence is glaring. Enclosed is the FTC Identity Theft Criminal Complaint ( XXXX ) from the U.S. Federal Trade Commission, verifying the fraudulent nature of these accounts, collections, and inquiries. I demand XXXX XXXX block all identified fraudulent accounts, collections, and hard inquiries from my credit file within the legally mandated four business days. \nFurthermore, you must provide a detailed explanation of your flawed verification process that allowed these errors to persist despite previous notification. Failure to act will leave me no choice but to pursue legal action against XXXX XXXX for non-compliance with federal law and negligence in protecting my identity. This is not a threat, but a promise to uphold my rights. What would be a good resolution? Ensure all correspondence regarding this matter is directed to my email at [ XXXX ]. I expect an immediate, lawful response. Your compliance with the law is non-negotiable","date_sent_to_company":"2024-12-01T02:12:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77021","tags":null,"has_narrative":true,"complaint_id":"10983087","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-01T02:12:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I expect an immediate, <em>lawful</em> response. Your <em>compliance</em> with the <em>law</em> is non-negotiable"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[20.545994,"10983087"]},{"_index":"complaint-public-v1","_id":"10981905","_score":20.501648,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *Formal Notice and Demand XXXX XXXX This is my second formal CFPB complaint demanding that XXXX immediately comply with FCRA S 605B ( 15 U.S.C. S 1681c-2 ). You are legally obligated to block all information related to identity theft and fraud on my credit report within four business days after receiving this notice. Ignoring this is not an option. XXXX  Fraudulent Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Date Opened XXXX XXXXXX/XX/XXXX Balance Owed : {$13000.00}. This account is fraudulent and unauthorized, severely damaging my FICO credit report due to identity theft and fraud. Despite my first complaint, these false records persist, and your negligence is glaring. Enclosed is the FTC Identity Theft Criminal Complaint ( XXXX ) from the U.S. Federal Trade Commission, verifying the fraudulent nature of these accounts, collections, and inquiries. I demand TransUnion LLC block all identified fraudulent accounts, collections, and hard inquiries from my credit file within the legally mandated four business days.\n\nFurthermore, you must provide a detailed explanation of your flawed verification process that allowed these errors to persist despite previous notification. Failure to act will leave me no choice but to pursue legal action against TransUnion LLC for non-compliance with federal law and negligence in protecting my identity. This is not a threat, but a promise to uphold my rights. What would be a good resolution? Ensure all correspondence regarding this matter is directed to my email at [ XXXX ]. I expect an immediate, lawful response. Your compliance with the law is non-negotiable","date_sent_to_company":"2024-12-01T02:12:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77021","tags":null,"has_narrative":true,"complaint_id":"10981905","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-01T02:00:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I expect an immediate, <em>lawful</em> response. Your <em>compliance</em> with the <em>law</em> is non-negotiable"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[20.501648,"10981905"]},{"_index":"complaint-public-v1","_id":"9293551","_score":20.494463,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX I XXXX XXXX XXXX XXXX XXXX, XXXX Pennsylvania XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX box XXXX XXXX XXXX PA XXXX Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nXXXX  XXXX XXXX  XXXXXXXX XXXX XXXX  - XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU.\n\nTo be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. \n\nPLEASE FIX MY REPORT WITHIN 15 DAYS!","date_sent_to_company":"2024-06-18T03:51:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"9293551","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-18T03:47:05.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN <em>REPORT</em> SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE <em>COMPLIANCE</em> TO <em>FEDERAL</em> <em>REPORTING</em> <em>LAWS</em> AS IS <em>OBLIGATED</em> OF YOU."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[20.494463,"9293551"]},{"_index":"complaint-public-v1","_id":"9282121","_score":20.457077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. \n\nTo be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. \n\nPLEASE FIX MY REPORT WITHIN XXXX DAYS!","date_sent_to_company":"2024-06-18T02:48:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"9282121","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-18T02:44:00.000Z","state":"PA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN <em>REPORT</em> SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE <em>COMPLIANCE</em> TO <em>FEDERAL</em> <em>REPORTING</em> <em>LAWS</em> AS IS <em>OBLIGATED</em> OF YOU."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[20.457077,"9282121"]},{"_index":"complaint-public-v1","_id":"9281706","_score":20.457077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX I XXXX XXXX XXXX XXXX XXXX, XXXX Pennsylvania XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. \n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nXXXX XXXX XXXX XXXX SECURED CARD - XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per Federal and my states reporting laws, you MUST XXXX  and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. \n\nTo be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. \n\nPLEASE FIX MY REPORT WITHIN 15 DAYS!","date_sent_to_company":"2024-06-18T03:31:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"9281706","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-18T03:20:02.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN <em>REPORT</em> SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE <em>COMPLIANCE</em> TO <em>FEDERAL</em> <em>REPORTING</em> <em>LAWS</em> AS IS <em>OBLIGATED</em> OF YOU."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[20.457077,"9281706"]},{"_index":"complaint-public-v1","_id":"10686445","_score":20.457077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in written composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. \nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \nXXXX XXXX XXXX FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. \nDELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. \nTo be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX  XXXX  Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. \nPLEASE FIX MY REPORT WITHIN 4 DAYS!","date_sent_to_company":"2024-11-04T14:09:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30263","tags":"Servicemember","has_narrative":true,"complaint_id":"10686445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-04T14:09:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN <em>REPORT</em> SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. \nDELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE <em>COMPLIANCE</em> TO <em>FEDERAL</em> <em>REPORTING</em> <em>LAWS</em> AS IS <em>OBLIGATED</em> OF YOU."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[20.457077,"10686445"]},{"_index":"complaint-public-v1","_id":"10686154","_score":20.457077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in written composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. \nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \nXXXX XXXX XXXX FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. \nDELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. \nTo be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. \nPLEASE FIX MY REPORT WITHIN 4 DAYS!","date_sent_to_company":"2024-11-04T14:08:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30263","tags":"Servicemember","has_narrative":true,"complaint_id":"10686154","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-04T14:02:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN <em>REPORT</em> SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. \nDELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE <em>COMPLIANCE</em> TO <em>FEDERAL</em> <em>REPORTING</em> <em>LAWS</em> AS IS <em>OBLIGATED</em> OF YOU."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[20.457077,"10686154"]},{"_index":"complaint-public-v1","_id":"15733528","_score":20.162176,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal dispute and demand for method of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I recently reviewed my credit report from your bureau, and I dispute the accuracy of the following item : Midland Credit Management Account Number : XXXX Amount : {$1200.00} You are legally obligated to conduct a reasonable investigation of any disputed information. If you claim that you have verified this account, I demand that you provide me with the complete method of verification, including but not limited to : 1. The name, address, and telephone number of the party you contacted.\n\n2. The records or documents you used to verify the alleged account.\n\n3. The exact method you used to conclude that this information is accurate.\n\nA generic response or parroted information from the furnisher will not satisfy this legal requirement. Unless you can produce documented, verifiable evidence from the original creditor proving the accuracy of this account, you must immediately remove it from my credit report. \n\nYou are reminded that the FCRA requires accurate and complete reporting. Failure to comply with my lawful request will leave me no choice but to pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. \n\nI expect a full response, with complete documentation, within 30 days as required by law. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit report immediately. \n\nThis is not a request. This is a demand for compliance with federal law.","date_sent_to_company":"2025-09-05T02:59:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"39046","tags":null,"has_narrative":true,"complaint_id":"15733528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-09-05T02:55:57.000Z","state":"MS","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I expect a full response, with complete documentation, within 30 days as required by <em>law</em>. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit <em>report</em> immediately. \n\nThis is not a request. This is a <em>demand</em> for <em>compliance</em> with <em>federal</em> <em>law</em>."]},"sort":[20.162176,"15733528"]},{"_index":"complaint-public-v1","_id":"15752714","_score":20.132088,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal dispute and demand for method of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I recently reviewed my credit report from your bureau, and I dispute the accuracy of the following item : Ncb Management Service Account Number : XXXX Amount : {$3600.00} You are legally obligated to conduct a reasonable investigation of any disputed information. If you claim that you have verified this account, I demand that you provide me with the complete method of verification, including but not limited to : 1. The name, address, and telephone number of the party you contacted.\n\n2. The records or documents you used to verify the alleged account.\n\n3. The exact method you used to conclude that this information is accurate.\n\nA generic response or parroted information from the furnisher will not satisfy this legal requirement. Unless you can produce documented, verifiable evidence from the original creditor proving the accuracy of this account, you must immediately remove it from my credit report. \n\nYou are reminded that the FCRA requires accurate and complete reporting. Failure to comply with my lawful request will leave me no choice but to pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. \n\nI expect a full response, with complete documentation, within 30 days as required by law. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit report immediately. \n\nThis is not a request. This is a demand for compliance with federal law.","date_sent_to_company":"2025-09-05T03:08:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"39046","tags":null,"has_narrative":true,"complaint_id":"15752714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NCB Management Services Inc.","date_received":"2025-09-05T03:00:08.000Z","state":"MS","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I expect a full response, with complete documentation, within 30 days as required by <em>law</em>. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit <em>report</em> immediately. \n\nThis is not a request. This is a <em>demand</em> for <em>compliance</em> with <em>federal</em> <em>law</em>."]},"sort":[20.132088,"15752714"]},{"_index":"complaint-public-v1","_id":"15733716","_score":20.132088,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal dispute and demand for method of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I recently reviewed my credit report from your bureau, and I dispute the accuracy of the following item : Portfolio Recovery Account Number : XXXX Amount : {$1300.00} You are legally obligated to conduct a reasonable investigation of any disputed information. If you claim that you have verified this account, I demand that you provide me with the complete method of verification, including but not limited to : 1. The name, address, and telephone number of the party you contacted.\n\n2. The records or documents you used to verify the alleged account.\n\n3. The exact method you used to conclude that this information is accurate.\n\nA generic response or parroted information from the furnisher will not satisfy this legal requirement. Unless you can produce documented, verifiable evidence from the original creditor proving the accuracy of this account, you must immediately remove it from my credit report. \n\nYou are reminded that the FCRA requires accurate and complete reporting. Failure to comply with my lawful request will leave me no choice but to pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. \n\nI expect a full response, with complete documentation, within 30 days as required by law. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit report immediately. \n\nThis is not a request. This is a demand for compliance with federal law.","date_sent_to_company":"2025-09-05T03:17:23.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"39046","tags":null,"has_narrative":true,"complaint_id":"15733716","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-09-05T03:11:08.000Z","state":"MS","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I expect a full response, with complete documentation, within 30 days as required by <em>law</em>. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit <em>report</em> immediately. \n\nThis is not a request. This is a <em>demand</em> for <em>compliance</em> with <em>federal</em> <em>law</em>."]},"sort":[20.132088,"15733716"]},{"_index":"complaint-public-v1","_id":"15733991","_score":20.12582,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal dispute and demand for method of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I recently reviewed my credit report from your bureau, and I dispute the accuracy of the following item : Midland Credit Management Account Number : XXXX Amount : {$1200.00} You are legally obligated to conduct a reasonable investigation of any disputed information. If you claim that you have verified this account, I demand that you provide me with the complete method of verification, including but not limited to : 1. The name, address, and telephone number of the party you contacted.\n\n2. The records or documents you used to verify the alleged account.\n\n3. The exact method you used to conclude that this information is accurate.\n\nA generic response or parroted information from the furnisher will not satisfy this legal requirement. Unless you can produce documented, verifiable evidence from the original creditor proving the accuracy of this account, you must immediately remove it from my credit report.\n\nYou are reminded that the FCRA requires accurate and complete reporting. Failure to comply with my lawful request will leave me no choice but to pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. \n\nI expect a full response, with complete documentation, within 30 days as required by law. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit report immediately. \n\nThis is not a request. This is a demand for compliance with federal law.","date_sent_to_company":"2025-09-05T02:52:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"39046","tags":null,"has_narrative":true,"complaint_id":"15733991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-09-05T02:44:58.000Z","state":"MS","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I expect a full response, with complete documentation, within 30 days as required by <em>law</em>. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit <em>report</em> immediately. \n\nThis is not a request. This is a <em>demand</em> for <em>compliance</em> with <em>federal</em> <em>law</em>."]},"sort":[20.12582,"15733991"]},{"_index":"complaint-public-v1","_id":"15753736","_score":20.106234,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal dispute and demand for method of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I recently reviewed my credit report from your bureau, and I dispute the accuracy of the following item : Midland Credit Management Account Number : XXXX Amount : {$1200.00} You are legally obligated to conduct a reasonable investigation of any disputed information. If you claim that you have verified this account, I demand that you provide me with the complete method of verification, including but not limited to : 1. The name, address, and telephone number of the party you contacted.\n\n2. The records or documents you used to verify the alleged account.\n\n3. The exact method you used to conclude that this information is accurate.\n\nA generic response or parroted information from the furnisher will not satisfy this legal requirement. Unless you can produce documented, verifiable evidence from the original creditor proving the accuracy of this account, you must immediately remove it from my credit report.\n\nYou are reminded that the FCRA requires accurate and complete reporting. Failure to comply with my lawful request will leave me no choice but to pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.\n\nI expect a full response, with complete documentation, within 30 days as required by law. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit report immediately.\n\nThis is not a request. This is a demand for compliance with federal law.","date_sent_to_company":"2025-09-05T02:34:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"39046","tags":null,"has_narrative":true,"complaint_id":"15753736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-09-05T02:15:36.000Z","state":"MS","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I expect a full response, with complete documentation, within 30 days as required by <em>law</em>. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit <em>report</em> immediately.\n\nThis is not a request. This is a <em>demand</em> for <em>compliance</em> with <em>federal</em> <em>law</em>."]},"sort":[20.106234,"15753736"]},{"_index":"complaint-public-v1","_id":"12214315","_score":19.747517,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute and Demand for Compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian for engaging in sham investigations and failing to properly address consumer disputes. \n\nIt is unacceptable that Experian, as XXXX of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. \n\nBelow, I cite XXXX key federal laws under **15 U.S.C . ** that Experian is legally obligated to comply with : XXXX. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Experians failure to remove or correct such information violates this provision and harms my creditworthiness. \n\nXXXX. XXXX*15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Experians sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation. \n\nXXXX. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within XXXX  days of receiving a dispute. Experians pattern of conducting inadequate or sham investigations, as highlighted by the CFPBs enforcement action, is a clear violation of this law. \n\nI demand that Experian : XXXX. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report. \n\nXXXX. Provide me with written confirmation of the results of the reinvestigation, including any corrections made. \n\nXXXX. Remove any inaccurate, incomplete, or unverifiable information from my credit report. \n\nXXXX. Cease any practices that violate federal consumer protection laws, including sham investigations.","date_sent_to_company":"2025-02-25T15:51:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11553","tags":null,"has_narrative":true,"complaint_id":"12214315","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-25T15:30:37.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Formal Dispute and <em>Demand</em> for <em>Compliance</em> with Consumer Protection <em>Laws</em> To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit <em>report</em>, as well as to address your companys failure to comply with <em>federal</em> consumer protection <em>laws</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[19.747517,"12214315"]},{"_index":"complaint-public-v1","_id":"9150463","_score":19.74174,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. \nYou have broken law 15 US code1666 ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. \n\nshowing proof of the elleged late payment on my report which violated my consumer rights. \n\n\n\n\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT! \n\nXXXX XXXX XXXX Bank ( XXXX ) ( XX/XX/year> ) Per Federal and my states reporting laws, you MUST XXXX and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. \n\nTo be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. \n\nPLEASE FIX MY REPORT WITHIN 15 DAYS!","date_sent_to_company":"2024-06-03T00:52:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"9150463","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-03T00:35:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN <em>REPORT</em> SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE <em>COMPLIANCE</em> TO <em>FEDERAL</em> <em>REPORTING</em> <em>LAWS</em> AS IS <em>OBLIGATED</em> OF YOU."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[19.74174,"9150463"]},{"_index":"complaint-public-v1","_id":"13798833","_score":19.682095,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, I am writing to formally dispute the inaccurate and potentially unlawful collection account reported on my credit fie, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and specifically referencing 15 U.S.C 6802, which prohibit unfair, deceptive, or abusive acts and practices related to consumer financial information.\n\nIt has come to my attention that this collection account is being reported in a manner that constitutes a clear violation of my rights under federal law. As per 15 U.S.C 6802, credit reporting agencies and collectors are obligated to ensure fair, transparent, and non-deceptive practices when handling consumer information. The ongoing reporting, collection attempts, or related actions concerning this account appear to be excessively aggressive, misleading, or unjustified. \n\nI demand that you immediately investigate and cease any further collection activities regarding this account, as there is no valid or lawful basis for its continued reporting or collection. Under the FCRA and 15 U.S.C 6802, I am entitled to the following : -An immediate validation of the debt, including detailed documentation proving my obligation. \n-Cease and desist any collection attempts until validation is provided. \n-Correction or removal of inaccurate, incomplete, or unlawfully reported information. \n\nFailure to comply with this request and continue to engage un unfair or deceptive practices may result in legal action, including but not limited to reporting violations to the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages for violations of federal law.\n\nThis letter serves as a formal notice and a demand for compliance. I expect your written response within 30 days, confirming that you have initiated an investigation and providing documentation that substantiates this debt. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-31T01:32:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06066","tags":null,"has_narrative":true,"complaint_id":"13798833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-05-31T00:54:57.000Z","state":"CT","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["-Correction or removal of inaccurate, incomplete, or unlawfully <em>reported</em> information. \n\nFailure to comply with this request and continue to engage un unfair or deceptive practices may result in legal action, including but not limited to <em>reporting</em> violations to the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages for violations of <em>federal</em> <em>law</em>.\n\nThis letter serves as a formal notice and a <em>demand</em> for <em>compliance</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[19.682095,"13798833"]},{"_index":"complaint-public-v1","_id":"21392772","_score":19.651157,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX: FORMAL DISPUTE, REQUEST FOR DEBT VALIDATION, CEASE OF COMMUNICATION, AND FCRA/FDCPA COMPLIANCE NOTICE To Whom It May Concern, I am writing to formally dispute the validity and accuracy of the alleged debt referenced above. This correspondence serves as a request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX, and notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. \n\nXXXX. Debt Validation Request ( FDCPA 15 U.S.C. XXXX ) Under 15 U.S.C. XXXXg, I am exercising my right to request validation of this alleged debt. You are required to provide : Verification that I am legally obligated to pay this debt ; The name and address of the original creditor ; A complete chain of title demonstrating lawful ownership of the debt ; A copy of the original signed agreement or contract bearing my signature ; An itemized breakdown of the alleged debt, including principal, interest, fees, and payments ; Proof that your agency has authority to collect this debt in my jurisdiction. \n\nUntil proper validation is provided, you are required to cease all collection activity regarding this account. \n\nXXXX. Dispute of Credit Reporting ( FCRA 15 U.S.C. XXXX ) Pursuant to 15 U.S.C. XXXX, I hereby formally dispute the accuracy and completeness of any information you have furnished or may furnish to any consumer reporting agency, including but not limited to XX/XX/XXXX, and XX/XX/XXXX \n\nYou are hereby instructed to : Immediately conduct a full reinvestigation of this alleged account ; Cease reporting any unverifiable, inaccurate, or incomplete information ; Remove or correct any disputed entries until full verification is completed. \n\nFailure to properly reinvestigate and correct inaccurate reporting constitutes a violation of federal law. \n\nXXXX. Cease and Desist Communication Instructions Under the Fair Debt Collection Practices Act, I hereby demand that you : Immediately cease all telephone communication with me, my workplace, family members, or third parties ; Direct all future communication strictly in writing via certified mail only to the address listed above ; Refrain from any further contact except as required for legal compliance under federal law. \n\nXXXX. Notice of Compliance Requirement You are hereby placed on notice that continued collection activity, reporting of unverified information, or failure to comply with the statutory obligations outlined above may result in complaints being filed with : The Federal Trade Commission ( FTC ) The Office of the State Attorney General And any other applicable regulatory or legal authorities This is not a refusal to pay, but a formal demand for lawful validation and verification of the alleged obligation. \n\nAll rights are expressly reserved under the FDCPA, FCRA, and all applicable state and federal laws. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-04-20T06:52:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"30296","tags":"Servicemember","has_narrative":true,"complaint_id":"21392772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Monterey Financial Services LLC","date_received":"2026-04-20T06:34:26.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Failure to properly reinvestigate and correct inaccurate <em>reporting</em> constitutes a violation of <em>federal</em> <em>law</em>. \n\nXXXX."],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[19.651157,"21392772"]},{"_index":"complaint-public-v1","_id":"12244851","_score":19.482498,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative, I am writing as a XXXX XXXXXXXX of the XXXX and a XXXX XXXX to file a formal grievance regarding the non-compliance of consumer reporting agencies ( CRAs ) with their legal and scientific obligations under federal and international law. Recent practices by these agenciesspecifically, the failure to validate disputed debts within the legally mandated 30-day periodare in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the constitutional rights afforded to me. \n\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as outlined in the XXXX XXXX series on data quality standards, require that all information included in a consumer report be rigorously verified with empirical evidence before being maintained. In my case, the alleged debts remain unsubstantiated by independent, scientifically verifiable proof. This failure undermines the fundamental scientific principle of reproducibility and casts serious doubt on the reliability of the data being reported. \nLawful Reference : Under 15 U.S.C. 1681i of the FCRA, a consumer reporting agency is required to conduct a reasonable investigation and verify the accuracy of disputed information within 30 days. The lack of proper debt validation constitutes a breach of this mandate.\n\n2. Ancient Principles of Justice and Fairness The principles of justice have been enshrined in ancient legal texts, such as the Code of Hammurabi and the legal traditions of Roman jurisprudence, which insist that claims must be supported by timely and accurate evidence. When evidence is lacking, justice demands the expungement of unsupported claims to preserve an individuals honor and integrity.\n\nLawful Reference : This time-honored principle is echoed in the due process protections guaranteed by the Fifth Amendment of the U.S. Constitution and further reinforced by international legal instruments such as the Universal Declaration of Human Rights ( Article 12 ) and the International Covenant on Civil and Political Rights ( Article 14 ). \n\n3. Constitutional and International Law Compliance As a consumer reporting agency, CRAs are legally bound to ensure that all information reported is accurate and substantiated. The failure to provide proper debt validationby merely updating or verifying without documented, evidence-based confirmationdirectly violates the FCRAs requirements as well as my constitutional right to due process.\n\nLawful Reference : The FCRA, particularly 15 U.S.C. 1681e ( b ) and 1681i, combined with the FDCPA under 15 U.S.C. 1692g, mandates that any alleged debt must be validated and that collection activities must cease until such validation is provided.\n\n4. Debt Validation Requirements Under Federal Law The FDCPA requires that any debt in dispute be properly validated. Specifically, 15 U.S.C. 1692g obligates debt collectors to furnish a validation notice detailing the amount of the debt and the creditors information, ceasing collection activities until the debt is verified. The absence of such a validation notice and the continued reporting of an unverified debt clearly violate federal law.\n\nLawful Reference : Failure to adhere to these statutory requirements not only contravenes the FDCPA but also exacerbates the risk of disseminating inaccurate information in my consumer report, thereby violating the FCRA as well. \n\n5. Request for Enforcement and Remedial Action Given the foregoing, I respectfully demand that the CFPB enforce the applicable federal laws against these consumer reporting agencies to ensure full compliance. I urge your office to require that CRAs : Conduct proper, scientifically rigorous investigations in accordance with 15 U.S.C. 1681i.\n\nRemove any unvalidated debt entries that have not met the 30-day verification requirement.\n\nProvide a complete audit trail of all validations performed, in alignment with the due process protections under the Fifth Amendment.\n\nCease the reporting and potential use of unsubstantiated data in consumer reports, in accordance with both domestic and international legal mandates. \n\nI trust that the CFPB will take immediate and decisive action to rectify these violations and safeguard the rights of consumers. Until comprehensive enforcement measures are implemented, I reserve all rights under U.S. law, international treaties, and the longstanding legal traditions that protect XXXX XXXX XXXX XXXX XXXX \n\nRespectfully, UCC 1-308","date_sent_to_company":"2025-02-28T20:32:34.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"76542","tags":null,"has_narrative":true,"complaint_id":"12244851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-28T20:27:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>Lawful</em> Reference : Failure to adhere to these statutory requirements not only contravenes the FDCPA but also exacerbates the risk of disseminating inaccurate information in my consumer <em>report</em>, thereby violating the FCRA as well. \n\n5. Request for Enforcement and Remedial Action Given the foregoing, I respectfully <em>demand</em> that the CFPB enforce the applicable <em>federal</em> <em>laws</em> against these consumer <em>reporting</em> agencies to ensure full <em>compliance</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Other personal consumer <em>report</em>"]},"sort":[19.482498,"12244851"]},{"_index":"complaint-public-v1","_id":"15553113","_score":19.4025,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX Account # XXXX FORMAL DISPUTE AND DEMAND FOR INVESTIGATION To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the reporting of the above-referenced account, pursuant to the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ).\n\nLEGAL BASIS FOR DISPUTE 15 U.S.C. 1681i Duty to Reinvestigate Upon notice of a dispute, consumer reporting agencies and furnishers of information like XXXX XXXX XXXX XXXX are required to conduct a reasonable reinvestigation to verify the accuracy of the information. Failure to properly verify obligates deletion. \n\n15 U.S.C. 1681s-2 Responsibilities of Furnishers As a furnisher, you may not report information that you know, or reasonably should know, is inaccurate. Once notified of this dispute, you are required to : Investigate the disputed information, Report the results of your investigation to the credit bureaus, and Correct or delete any information found to be inaccurate or unverifiable.\n\nUCC Article 9, Part 6 Disposition of Collateral After Default If this account involved repossession, resale, or disposition of collateral, you were required to comply with the provisions of UCC 9-601 through 9-628, including providing notice of disposition, conducting the sale in a commercially reasonable manner, and applying proceeds correctly. \n\nIf any part of these requirements were not strictly adhered to, the alleged deficiency balance is unenforceable and can not be lawfully collected or reported. \n\nDEMANDS Accordingly, I demand the following actions be taken : Immediate deletion of the XXXX XXXX XXXX XXXX tradeline from all credit reporting agencies if you can not provide full documentation proving compliance with both federal law and UCC Part 6. \n\nCopies of all contracts, payment histories, notices of default, repossession records, and proof of sale of collateral ( if applicable ), to substantiate any remaining balance you claim. \n\nWritten confirmation within 30 days that this account has either been corrected with complete supporting documentation or fully deleted from my credit file. \n\nNOTICE OF RIGHTS Failure to comply will constitute a willful violation of federal law. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, and to pursue all remedies available under the FCRA, UCC, and any other applicable law, including statutory damages, actual damages, attorneys fees, and costs. \n\nThis letter is written in good faith and with the expectation of full compliance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-27T14:17:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"15553113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-27T14:16:41.000Z","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":["If any part of these requirements were not strictly adhered to, the alleged deficiency balance is unenforceable and can not be <em>lawfully</em> collected or <em>reported</em>. \n\n<em>DEMANDS</em> Accordingly, I <em>demand</em> the following actions be taken : Immediate deletion of the XXXX XXXX XXXX XXXX tradeline from all credit <em>reporting</em> agencies if you can not provide full documentation proving <em>compliance</em> with both <em>federal</em> <em>law</em> and UCC Part 6."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[19.4025,"15553113"]},{"_index":"complaint-public-v1","_id":"15542356","_score":19.4025,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX Account # XXXX FORMAL DISPUTE AND DEMAND FOR INVESTIGATION To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the reporting of the above-referenced account, pursuant to the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ).\n\nLEGAL BASIS FOR DISPUTE 15 U.S.C. 1681i Duty to Reinvestigate Upon notice of a dispute, consumer reporting agencies and furnishers of information like XXXX XXXX XXXX XXXX are required to conduct a reasonable reinvestigation to verify the accuracy of the information. Failure to properly verify obligates deletion. \n\n15 U.S.C. 1681s-2 Responsibilities of Furnishers As a furnisher, you may not report information that you know, or reasonably should know, is inaccurate. Once notified of this dispute, you are required to : Investigate the disputed information, Report the results of your investigation to the credit bureaus, and Correct or delete any information found to be inaccurate or unverifiable.\n\nUCC Article 9, Part 6 Disposition of Collateral After Default If this account involved repossession, resale, or disposition of collateral, you were required to comply with the provisions of UCC 9-601 through 9-628, including providing notice of disposition, conducting the sale in a commercially reasonable manner, and applying proceeds correctly. \n\nIf any part of these requirements were not strictly adhered to, the alleged deficiency balance is unenforceable and can not be lawfully collected or reported. \n\nDEMANDS Accordingly, I demand the following actions be taken : Immediate deletion of the XXXX XXXX XXXX XXXX tradeline from all credit reporting agencies if you can not provide full documentation proving compliance with both federal law and UCC Part 6. \n\nCopies of all contracts, payment histories, notices of default, repossession records, and proof of sale of collateral ( if applicable ), to substantiate any remaining balance you claim. \n\nWritten confirmation within 30 days that this account has either been corrected with complete supporting documentation or fully deleted from my credit file. \n\nNOTICE OF RIGHTS Failure to comply will constitute a willful violation of federal law. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, and to pursue all remedies available under the FCRA, UCC, and any other applicable law, including statutory damages, actual damages, attorneys fees, and costs. \n\nThis letter is written in good faith and with the expectation of full compliance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-27T14:17:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"15542356","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-27T14:16:41.000Z","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":["If any part of these requirements were not strictly adhered to, the alleged deficiency balance is unenforceable and can not be <em>lawfully</em> collected or <em>reported</em>. \n\n<em>DEMANDS</em> Accordingly, I <em>demand</em> the following actions be taken : Immediate deletion of the XXXX XXXX XXXX XXXX tradeline from all credit <em>reporting</em> agencies if you can not provide full documentation proving <em>compliance</em> with both <em>federal</em> <em>law</em> and UCC Part 6."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[19.4025,"15542356"]},{"_index":"complaint-public-v1","_id":"15555277","_score":19.386715,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX Account # XXXX FORMAL DISPUTE AND DEMAND FOR INVESTIGATION To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the reporting of the above-referenced account, pursuant to the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ).\n\nLEGAL BASIS FOR DISPUTE 15 U.S.C. 1681i Duty to Reinvestigate Upon notice of a dispute, consumer reporting agencies and furnishers of information like XXXX XXXX XXXX XXXX are required to conduct a reasonable reinvestigation to verify the accuracy of the information. Failure to properly verify obligates deletion. \n\n15 U.S.C. 1681s-2 Responsibilities of Furnishers As a furnisher, you may not report information that you know, or reasonably should know, is inaccurate. Once notified of this dispute, you are required to : Investigate the disputed information, Report the results of your investigation to the credit bureaus, and Correct or delete any information found to be inaccurate or unverifiable.\n\nUCC Article 9, Part 6 Disposition of Collateral After Default If this account involved repossession, resale, or disposition of collateral, you were required to comply with the provisions of UCC 9-601 through 9-628, including providing notice of disposition, conducting the sale in a commercially reasonable manner, and applying proceeds correctly. \n\nIf any part of these requirements were not strictly adhered to, the alleged deficiency balance is unenforceable and can not be lawfully collected or reported. \n\nDEMANDS Accordingly, I demand the following actions be taken : Immediate deletion of the XXXX XXXX XXXX XXXX tradeline from all credit reporting agencies if you can not provide full documentation proving compliance with both federal law and UCC Part 6. \n\nCopies of all contracts, payment histories, notices of default, repossession records, and proof of sale of collateral ( if applicable ), to substantiate any remaining balance you claim. \n\nWritten confirmation within 30 days that this account has either been corrected with complete supporting documentation or fully deleted from my credit file. \n\nNOTICE OF RIGHTS Failure to comply will constitute a willful violation of federal law. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, and to pursue all remedies available under the FCRA, UCC, and any other applicable law, including statutory damages, actual damages, attorneys fees, and costs. \n\nThis letter is written in good faith and with the expectation of full compliance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-27T14:17:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10469","tags":null,"has_narrative":true,"complaint_id":"15555277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-27T14:12:16.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["If any part of these requirements were not strictly adhered to, the alleged deficiency balance is unenforceable and can not be <em>lawfully</em> collected or <em>reported</em>. \n\n<em>DEMANDS</em> Accordingly, I <em>demand</em> the following actions be taken : Immediate deletion of the XXXX XXXX XXXX XXXX tradeline from all credit <em>reporting</em> agencies if you can not provide full documentation proving <em>compliance</em> with both <em>federal</em> <em>law</em> and UCC Part 6."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[19.386715,"15555277"]},{"_index":"complaint-public-v1","_id":"10498770","_score":19.30117,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * *Formal Notice and Demand : ** This is my second formal CFPB complaint demanding that XXXX immediately comply with FCRA S 605B ( 15 U.S.C. S 1681c-2 ). You are legally obligated to block all information related to identity theft and fraud on my credit report within four business days after receiving this notice. Ignoring this is not an option.\n\n** Fraudulent Accounts in Question : ** XXXX : Account # XXXX Date Opened : XX/XX/XXXX BalanceOwed : {$12000.00}. XXXX : Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. XXXX : Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed {$18000.00}. \nThese accounts are fraudulent and unauthorized, severely damaging my FICO credit report due to identity theft and fraud. Despite my first complaint, these false records persist, and your negligence is glaring.\n\nEnclosed is the FTC Identity Theft Criminal Complaint ( XXXX ) from the U.S. Federal Trade Commission, verifying the fraudulent nature of these accounts, collections, and inquiries.\n\nI demand Experian block all identified fraudulent accounts, collections, and hard inquiries from my credit file within the legally mandated four business days. Furthermore, you must provide a detailed explanation of your flawed verification process that allowed these errors to persist despite previous notification.\n\nFailure to act will leave me no choice but to pursue legal action against XXXX for non-compliance with federal law and negligence in protecting my identity. This is not a threat, but a promise to uphold my rights. \nWhat would be a good resolution? \nEnsure all correspondence regarding this matter is directed to my email at [ XXXX ]. I expect an immediate, lawful response. \nYour compliance with the law is non-negotiable.","date_sent_to_company":"2024-10-18T19:56:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77021","tags":null,"has_narrative":true,"complaint_id":"10498770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-18T19:49:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I expect an immediate, <em>lawful</em> response. \nYour <em>compliance</em> with the <em>law</em> is non-negotiable."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[19.30117,"10498770"]},{"_index":"complaint-public-v1","_id":"14068522","_score":19.229822,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The claims reported against me fail to meet the minimum federal requirements for legal and compliant reporting. I am now exercising my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards to challenge the reportability of each unverified claim listed below. \n\nI demand that you provide verifiable, factual, and certified evidence that each account was reported using the compliant XXXX XXXX format and that the reporting followed proper and lawful procedures. Any deviation, omission, or failure to meet these standards constitutes unethical and potentially unlawful conduct. You are required to DELETE all unverified or non-compliant items immediately or send physical documentation verifying full compliance. \n\nI do not authorize you or any entity to accept, retain, report, transcribe, or use any of my personal information unless it is confirmed to be factual, accurate, and reported in full compliance with XXXX XXXX standards. Per FCRA Section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX guidelines, I am contesting any claim that is alleged without proof and not certified as accurate, complete, and lawfully submitted. Derogatory or delinquent marks without concrete proof are unacceptable and must be removed. \n\nYou are legally obligated to report only accurate and verifiable data. Reporting false, incomplete, or unconfirmed claims violates federal law and my states consumer protection laws. Retaining such data, knowing it is non-compliant, is unlawful. \n\nThis letter is your notice. You have 30 days to complete a reasonable investigation and either : Provide physical, certified documentation verifying compliance, OR DELETE the disputed item ( s ) from my credit report entirely. \n\nAlso, I demand physical proof of permissible purpose for each of the following inquiries : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I never gave written or verbal consent for these inquiries. If you can not produce a credit application bearing my signature or proof of a valid permissible purpose ( FCRA 1681b ), DELETE these inquiries IMMEDIATELY. Failure to do so continues to harm my credit and violates my rights under the FCRA. \n\nLet me be clearcredit pulls are only permitted for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order If the inquiry does not fall under one of these categories, then it is unauthorized and must be deleted. You have one opportunity to prove that I applied for credit and authorized these companies to access my file. If you cant, DELETE IT NOW.\n\nI also want to make this clear : if you ignore this demand or fail to take action, I will pursue all available remedies, including legal action. Civil suits under the FCRA allow for {$1000.00} per violation. And if your negligence or misconduct causes further harmsuch as enabling identity theftI will escalate this to include criminal complaints and fraud investigations. \n\nIf you refuse to comply, I will consider your inaction willful, hostile, and deliberately injurious. I expect confirmation of deletion or full documentation of compliance sent to me via physical mail. Anything less will be treated as non-compliance.","date_sent_to_company":"2025-06-13T17:27:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77386","tags":null,"has_narrative":true,"complaint_id":"14068522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-13T17:22:35.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Per FCRA Section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX guidelines, I am contesting any claim that is alleged without proof and not certified as accurate, complete, and <em>lawfully</em> submitted. Derogatory or delinquent marks without concrete proof are unacceptable and must be removed. \n\nYou are legally <em>obligated</em> to <em>report</em> only accurate and verifiable data. <em>Reporting</em> false, incomplete, or unconfirmed claims violates <em>federal</em> <em>law</em> and my states consumer protection <em>laws</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[19.229822,"14068522"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":543,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":543}]}},"product":{"doc_count":543,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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