{"took":78,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1343,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"22420998","_score":21.420713,"_source":{"product":"Debt collection","complaint_what_happened":"This collection account is being reported with incomplete and unverifiable information, in violation of the Fair Credit Reporting Act. \n\nThe tradeline does not identify the original creditor and lacks sufficient documentation to validate the alleged debt. \n\nDespite prior disputes, no lawful validation has been provided. \n\nI am requesting full compliance with FCRA 609 and 611, including : Complete original creditor identification Signed contract or binding obligation Itemized balance breakdown Proof of legal authority to collect Verification of reporting accuracy across all bureaus The failure to provide this documentation renders continued reporting inaccurate and misleading.","date_sent_to_company":"2026-05-21T07:57:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89128","tags":null,"has_narrative":true,"complaint_id":"22420998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2026-05-21T07:51:19.000Z","state":"NV","company_public_response":"Company can't verify or dispute the facts in the complaint","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am requesting full <em>compliance</em> with FCRA 609 and 611, including : <em>Complete</em> original creditor <em>identification</em> Signed contract or binding obligation Itemized balance breakdown <em>Proof</em> of <em>legal</em> authority to collect <em>Verification</em> of reporting accuracy across all bureaus The failure to provide this documentation renders continued reporting inaccurate and misleading."],"company_public_response":["Company can't <em>verify</em> or dispute the facts in the complaint"]},"sort":[21.420713,"22420998"]},{"_index":"complaint-public-v1","_id":"15229051","_score":20.681698,"_source":{"product":"Credit card","complaint_what_happened":"I am disputing the accuracy of a HSBC Bank USA credit card account ending in XXXX  that is currently being reported on my XXXX  credit file. \n\nI have obtained a copy of the original account application from HSBC. Upon review, the application shows serious compliance deficiencies : No U.S. Social Security Number or Individual Taxpayer Identification Number was provided. \nNo U.S. residential address was provided only a XXXX XXXX address appears for both home and mailing purposes. \nNo U.S. visa details or proof of lawful U.S. immigration status were recorded. \nThe applicant is listed as a XXXX XXXX  residing in the XXXX XXXX. \nThe application file consists of three pages, with the final two pages left entirely blank, containing no data, no supporting information, and no signatures & indicating that mandatory verification and due diligence steps were never completed. \n\nThis account was originated without meeting the legal requirements under the USA PATRIOT Act, Section 326 ( Customer Identification Program ), the Bank Secrecy Act, and HSBCs own internal eligibility rules. These regulations require HSBC to verify and retain documentation of a U.S. Tax Identification Number, a valid U.S. residential address, and proof of legal immigration status before issuing a U.S.-based credit card.\n\nBy approving and issuing this account without fulfilling those obligations, HSBC originated an account that does not meet U.S. banking compliance standards. Furnishing such an account to XXXX  constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ) 623. \n\nI have disputed this with XXXX and provided the application as evidence. The tradeline remains, and HSBC has refused to provide any further account-opening documentation or to explain how the account met federal compliance requirements at the time of approval.","date_sent_to_company":"2025-08-12T21:11:33.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"92056","tags":null,"has_narrative":true,"complaint_id":"15229051","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2025-08-12T20:43:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["The application file consists of three pages, with the final two pages left entirely blank, containing no data, no supporting <em>information</em>, and no signatures & indicating that mandatory <em>verification</em> and due diligence steps were never <em>completed</em>. \n\nThis account was originated without meeting the <em>legal</em> requirements under the USA PATRIOT Act, Section 326 ( Customer <em>Identification</em> Program ), the Bank Secrecy Act, and HSBCs own internal eligibility rules."]},"sort":[20.681698,"15229051"]},{"_index":"complaint-public-v1","_id":"16585036","_score":18.972446,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, a collection account from XXXX XXXX XXXX for XXXX XXXX XXXX amount of {$1700.00} was reported on my credit file. I disputed this account with all three credit bureaus ( TXXXX Equifax, XXXX ) in XX/XX/year> under my rights provided by the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). \n\nI sent written dispute letters, copies of my identification, proof of address, and highlighted credit reports via certified mail. The bureaus either : XXXX. Failed to provide a full investigation and proper documentation within 30 days, or XXXX. Verified the account without supplying any signed contracts, itemized billing statements, or proof that the information is accurate, complete, and legally reportable. \n\nBecause the debt remains unverified and incomplete, its continued reporting violates the FCRA. This inaccurate account is damaging my creditworthiness and causing financial harm. \n\nI am requesting that the Consumer Financial Protection Bureau ensure compliance and require the credit bureaus to either : Permanently delete the unverifiable collection and any other inaccurate accounts, or Provide full documentation proving their accuracy and legal basis for reporting.","date_sent_to_company":"2025-10-14T23:12:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89048","tags":null,"has_narrative":true,"complaint_id":"16585036","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-14T23:11:54.000Z","state":"NV","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I sent written dispute letters, copies of my <em>identification</em>, <em>proof</em> of address, and highlighted credit reports via certified mail. The bureaus either : XXXX. Failed to provide a full investigation and proper documentation within 30 days, or XXXX. <em>Verified</em> the account without supplying any signed contracts, itemized billing statements, or <em>proof</em> that the <em>information</em> is accurate, <em>complete</em>, and <em>legally</em> reportable."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[18.972446,"16585036"]},{"_index":"complaint-public-v1","_id":"16581489","_score":18.93079,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, a collection account from XXXX XXXX XXXX for XXXX in the amount of {$1700.00} was reported on my credit file. I disputed this account with all three credit bureaus ( TransUnion, XXXX XXXX ) in XX/XX/year> under my rights provided by the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). \n\nI sent written dispute letters, copies of my identification, proof of address, and highlighted credit reports via certified mail. The bureaus either : 1. Failed to provide a full investigation and proper documentation within 30 days, or 2. Verified the account without supplying any signed contracts, itemized billing statements, or proof that the information is accurate, complete, and legally reportable. \n\nBecause the debt remains unverified and incomplete, its continued reporting violates the FCRA. This inaccurate account is damaging my creditworthiness and causing financial harm. \n\nI am requesting that the Consumer Financial Protection Bureau ensure compliance and require the credit bureaus to either : Permanently delete the unverifiable collection and any other inaccurate accounts, or Provide full documentation proving their accuracy and legal basis for reporting.","date_sent_to_company":"2025-10-21T19:39:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89048","tags":null,"has_narrative":true,"complaint_id":"16581489","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-14T21:49:34.000Z","state":"NV","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":["I sent written dispute letters, copies of my <em>identification</em>, <em>proof</em> of address, and highlighted credit reports via certified mail. The bureaus either : 1. Failed to provide a full investigation and proper documentation within 30 days, or 2. <em>Verified</em> the account without supplying any signed contracts, itemized billing statements, or <em>proof</em> that the <em>information</em> is accurate, <em>complete</em>, and <em>legally</em> reportable."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[18.93079,"16581489"]},{"_index":"complaint-public-v1","_id":"18207526","_score":18.808588,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because Experian has failed to comply with the Fair Credit Reporting Act after I properly reported identity theft. \n\nOn XX/XX/2025, I sent Experian a complete identity theft dispute package via certified mail. The submission included proof of identity, proof of address, an FTC Identity Theft Report, and identification of specific fraudulent accounts and unauthorized inquiries appearing on my Experian credit report.\n\nUnder 15 U.S.C. 1681c-2 ( FCRA 605B ), Experian is required to block and delete identity-theft-related information within four ( 4 ) business days. Despite receipt of all required documentation, the fraudulent accounts and inquiries continue to be reported.\n\nAdditionally, Experian has not provided a legally compliant method of verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Any claim of verification without disclosure of the source, documents reviewed, and method used is insufficient under federal law.\n\nExperians continued reporting of identity-theft-related information constitutes negligent and/or willful non-compliance and is causing ongoing financial harm.","date_sent_to_company":"2025-12-21T19:46:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11779","tags":null,"has_narrative":true,"complaint_id":"18207526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-21T19:36:25.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XX/XX/2025, I sent Experian a <em>complete</em> identity theft dispute package via certified mail. The submission included <em>proof</em> of identity, <em>proof</em> of address, an FTC Identity Theft Report, and <em>identification</em> of specific fraudulent accounts and unauthorized inquiries appearing on my Experian credit report.\n\nUnder 15 U.S.C. 1681c-2 ( FCRA 605B ), Experian is required to block and delete identity-theft-related <em>information</em> within four ( 4 ) business days."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[18.808588,"18207526"]},{"_index":"complaint-public-v1","_id":"17662145","_score":18.389084,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Formal Dispute Under 15 U.S.C. 1681i ( FCRA ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information currently being reported in my consumer credit file under my name and Social Security Number. \n\nPursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting an investigation into the accuracy, relevance, and verification of all negative, derogatory, and adverse items currently appearing on my credit report. \n\nThe following accounts and entries are disputed due to lack of proper verification, questionable accuracy, and/or failure to comply with FCRA reporting requirements : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( derogatory entry ) XXXX XXXX XXXX XXXX XXXX XXXX  ( both accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any other accounts marked as adverse, delinquent, charged-off, in collections, or inaccurate Under 1681i ( a ), you are required to conduct a reasonable investigation into these disputed accounts and to provide me with written proof of verification including : 1. A copy of the original signed contract or application bearing my signature 2. A complete payment history and itemized accounting 3. Proof the reporting entity has legal standing and authority to report this debt 4. Proof of compliance with the Fair Credit Reporting Act If you are unable to provide this documentation, you are required by law to delete the item ( XXXX ) from my credit report. \n\nAdditionally, I am disputing the following personal information as inaccurate and/or outdated and request it be corrected or deleted from my file : Incorrect or outdated phone numbers, including but not limited to : ( XXXX ) XXXX, ( XXXX ) XXXX and any other numbers not belonging to me Any incorrect former addresses or residence units ( XXXX XXXX & XXXX XXXX ) Any names/aliases not legally mine Please complete your investigation within 30 days as required by law and send me an updated copy of my corrected credit report. \n\nFailure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and the New York State Attorney Generals Office. \n\nI have enclosed a copy of my government-issued identification and proof of address for identification purposes. \n\nSincerelyXXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2025-12-02T07:23:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11234","tags":null,"has_narrative":true,"complaint_id":"17662145","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-02T07:07:36.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["A <em>complete</em> payment history and itemized accounting 3. <em>Proof</em> the reporting entity has <em>legal</em> standing and authority to report this debt 4. <em>Proof</em> of <em>compliance</em> with the Fair Credit Reporting Act If you are unable to provide this documentation, you are required by law to delete the item ( XXXX ) from my credit report."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[18.389084,"17662145"]},{"_index":"complaint-public-v1","_id":"17662840","_score":18.35039,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Formal Dispute Under 15 U.S.C. 1681i ( FCRA ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information currently being reported in my consumer credit file under my name and Social Security Number. \n\nPursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting an investigation into the accuracy, relevance, and verification of all negative, derogatory, and adverse items currently appearing on my credit report. \n\nThe following accounts and entries are disputed due to lack of proper verification, questionable accuracy, and/or failure to comply with FCRA reporting requirements : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( derogatory entry ) XXXX XXXX XXXX XXXX XXXX XXXX  ( both accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any other accounts marked as adverse, delinquent, charged-off, in collections, or inaccurate Under 1681i ( a ), you are required to conduct a reasonable investigation into these disputed accounts and to provide me with written proof of verification including : 1. A copy of the original signed contract or application bearing my signature 2. A complete payment history and itemized accounting 3. Proof the reporting entity has legal standing and authority to report this debt 4. Proof of compliance with the Fair Credit Reporting Act If you are unable to provide this documentation, you are required by law to delete the item ( XXXX ) from my credit report. \n\nAdditionally, I am disputing the following personal information as inaccurate and/or outdated and request it be corrected or deleted from my file : Incorrect or outdated phone numbers, including but not limited to : ( XXXX ) XXXX, ( XXXX ) XXXX and any other numbers not belonging to me Any incorrect former addresses or residence units ( XXXX XXXX & XXXX XXXX ) Any names/aliases not legally mine Please complete your investigation within 30 days as required by law and send me an updated copy of my corrected credit report. \n\nFailure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and the New York State Attorney Generals Office. \n\nI have enclosed a copy of my government-issued identification and proof of address for identification purposes. \n\nSincerelyXXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2025-12-02T07:23:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11234","tags":null,"has_narrative":true,"complaint_id":"17662840","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-02T07:23:13.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["A <em>complete</em> payment history and itemized accounting 3. <em>Proof</em> the reporting entity has <em>legal</em> standing and authority to report this debt 4. <em>Proof</em> of <em>compliance</em> with the Fair Credit Reporting Act If you are unable to provide this documentation, you are required by law to delete the item ( XXXX ) from my credit report."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[18.35039,"17662840"]},{"_index":"complaint-public-v1","_id":"10797058","_score":18.07972,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is to address Discovers  failure to provide legally sufficient proof of the alleged debt associated with the account ending in 3869. Under the Fair Credit Reportin\n\ng Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to verification that any reported information is accurate, complete, and can be substantiated. Discover has failed to fulfill this requirement, a clear violation of my FCRA rights. I am maintaining a detailed record of all correspondence to support my case. Failure to Verify the Account It is clear that this account is questionable, as the spelling of my name has been incorrect throughout this process. I have provided proof of my correct name through a legally issued Social Security card. Despite this, the CFPB and Discover have continued to record and address my name inaccurately. This discrepancy further undermines any claim that I am liable for this account. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies, such as Discover, must conduct a reasonable investigation when a consumer disputes the accuracy of the information. You have not produced any definitive documentation that proves my responsibility for this account, nor have you provided signed authorization or any document definitively linking my identity to the alleged debt beyond basic biographical details. Violation of FCRA Rights The absence of a signed application or photographic identification further weakens Discovers claim. FCRA guidelines mandate that consumer information must be both accurate and verifiable. Without a legitimate, physical signature or government-issued ID, Discover can not verify the accounts legitimacy. Discovers failure to abide by FCRA standards violates my rights and undermines the integrity of the reporting process. Demand for Compliance If Discover can not provide documentation of a legally binding contract or adequate verification under the FCRA, I demand immediate cessation of any reporting of this account to the credit bureaus. Continued reporting of this account without verifiable documentation constitutes an ongoing violation of my rights under the FCRA and may result in legal action. I expect a prompt and thorough response, with full compliance regarding my rights. Failure to address this\nmatter will leave me with no choice but to escalate this complaint with additional legal remedies. I also expect that Discover refrain from providing misleading information to the CFPB regarding this matter.","date_sent_to_company":"2024-11-14T21:21:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90302","tags":null,"has_narrative":true,"complaint_id":"10797058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-11-14T21:15:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This complaint is to address Discovers  failure to provide <em>legally</em> sufficient <em>proof</em> of the alleged debt associated with the account ending in 3869. Under the Fair Credit Reportin\n\ng Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to <em>verification</em> that any reported <em>information</em> is accurate, <em>complete</em>, and can be substantiated. Discover has failed to fulfill this requirement, a clear violation of my FCRA rights. I am maintaining a detailed record of all correspondence to support my case."]},"sort":[18.07972,"10797058"]},{"_index":"complaint-public-v1","_id":"15190495","_score":17.990454,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I filed a dispute through the CFPB ( complaint ID XXXX ) regarding an inaccurate XXXX XXXX account ( Account XXXX ) on my Experian credit report. In my dispute letter, I requested full legal validation of the account, including a signed contract, itemized account history, proof of legal ownership or assignment, evidence of the right to report to credit bureaus, and IRS Form 1099-C if the account was charged off or forgiven ( per IRS Code 6050P ). \n\nOn XX/XX/year>, XXXX responded in writing that they could not investigate my dispute because it allegedly lacked specific facts or information. This is incorrect ; my dispute contained my full name, address, and the exact account number as it appears on my credit report. This meets the identification requirements under 12 C.F.R. 1022.43 ( b ). \n\nDespite having had more than 30 days since my original dispute, XXXX has provided none of the requested documentation and no legal validation of the account. They have also continued to furnish this information to Experian, which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), requiring furnishers to report complete and accurate information. \n\nBecause XXXX only reports to Experian, deletion from Experian would fully remove this account from my credit history. \n\nI am requesting that XXXX either : Provide full legal validation of the account, including : A signed contract or agreement Itemized billing statements or complete account history Proof of legal ownership or assignment of the debt Evidence of the legal right to report the account to Experian IRS Form 1099-C if the debt was charged off or forgiven OR Immediately request deletion of the account from Experian in compliance with FCRA 1681i ( a ) ( 5 ) ( A ), due to failure to verify the accuracy of the information within the statutory timeframe.","date_sent_to_company":"2025-08-09T20:36:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"15190495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-09T20:35:41.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am requesting that XXXX either : Provide full <em>legal</em> validation of the account, including : A signed contract or agreement Itemized billing statements or <em>complete</em> account history <em>Proof</em> of <em>legal</em> ownership or assignment of the debt Evidence of the <em>legal</em> right to report the account to Experian IRS Form 1099-C if the debt was charged off or forgiven OR Immediately request deletion of the account from Experian in <em>compliance</em> with FCRA 1681i ( a ) ( 5 ) ( A ), due to failure to <em>verify</em> the accuracy of the"],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[17.990454,"15190495"]},{"_index":"complaint-public-v1","_id":"15187396","_score":17.98104,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I filed a dispute through the CFPB ( complaint ID XXXX ) regarding an inaccurate ZuntaFi Corp account ( Account XXXX ) on my XXXX credit report. In my dispute letter, I requested full legal validation of the account, including a signed contract, itemized account history, proof of legal ownership or assignment, evidence of the right to report to credit bureaus, and IRS Form 1099-C if the account was charged off or forgiven ( per IRS Code 6050P ). \n\nOn XX/XX/year>, ZuntaFi responded in writing that they could not investigate my dispute because it allegedly lacked specific facts or information. This is incorrect ; my dispute contained my full name, address, and the exact account number as it appears on my credit report. This meets the identification requirements under 12 C.F.R. 1022.43 ( b ).\n\nDespite having had more than 30 days since my original dispute, ZuntaFi has provided none of the requested documentation and no legal validation of the account. They have also continued to furnish this information to XXXX which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), requiring furnishers to report complete and accurate information.\n\nBecause ZuntaFi only reports to XXXX, deletion from XXXX would fully remove this account from my credit history.\n\nI am requesting that ZuntaFi either : Provide full legal validation of the account, including : A signed contract or agreement Itemized billing statements or complete account history Proof of legal ownership or assignment of the debt Evidence of the legal right to report the account to\nXXXX XXXXRS Form 1099-C if the debt was charged off or forgiven OR Immediately request deletion of the account from XXXX in compliance with FCRA 1681i ( a ) ( 5 ) ( A ), due to failure to verify the accuracy of the information within the statutory timeframe.","date_sent_to_company":"2025-08-09T20:36:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"15187396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ZuntaFi Corp","date_received":"2025-08-09T20:24:45.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am requesting that ZuntaFi either : Provide full <em>legal</em> validation of the account, including : A signed contract or agreement Itemized billing statements or <em>complete</em> account history <em>Proof</em> of <em>legal</em> ownership or assignment of the debt Evidence of the <em>legal</em> right to report the account to\nXXXX XXXXRS Form 1099-C if the debt was charged off or forgiven OR Immediately request deletion of the account from XXXX in <em>compliance</em> with FCRA 1681i ( a ) ( 5 ) ( A ), due to failure to <em>verify</em> the accuracy of the"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[17.98104,"15187396"]},{"_index":"complaint-public-v1","_id":"17655917","_score":17.96009,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted formal written disputes to the credit reporting agencies regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit reports. These include charge-offs, collections, late payments, and unauthorized hard inquiries. I provided identification, proof of address, and detailed dispute letters.\n\nDespite providing complete documentation, the credit bureaus have continued to report information that is inaccurate, not fully verified, or improperly validated. Several of the disputed accounts contain incorrect payment histories, inconsistent dates, and missing documentation. Some items were verified without the credit bureaus providing any proof or method of verification, which violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).\n\nIn addition, certain student loan late payments were reported during periods covered by the federal CARES Act protections, during which federal servicers were prohibited from reporting delinquencies. Reporting late payments during that period violates both federal law and FCRA accuracy requirements ( FCRA 607 ( b ) ).\n\nSeveral hard inquiries also appear on my reports without my authorization or permissible purpose, violating FCRA 604 ( a ) ( 2 ). I requested verification, but no documentation or signed application has been provided.\n\nI am asking the CFPB to require the credit bureaus to : 1. Conduct a complete and lawful reinvestigation of all disputed items, 2. Provide documentation used to verify the accuracy of each item, and 3. Permanently delete any information that can not be fully verified according to the requirements of FCRA 611 ( a ) ( 5 ) ( A ).\n\nThis inaccurate and unverified reporting has resulted in repeated denials for housing and has caused significant harm. I am requesting CFPB intervention to ensure full legal compliance and correction of my consumer reports.","date_sent_to_company":"2025-12-02T17:45:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23860","tags":null,"has_narrative":true,"complaint_id":"17655917","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-02T17:45:02.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am requesting CFPB intervention to ensure full <em>legal</em> <em>compliance</em> and correction of my consumer reports."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[17.96009,"17655917"]},{"_index":"complaint-public-v1","_id":"17658434","_score":17.94439,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted formal written disputes to the credit reporting agencies regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit reports. These include charge-offs, collections, late payments, and unauthorized hard inquiries. I provided identification, proof of address, and detailed dispute letters.\n\nDespite providing complete documentation, the credit bureaus have continued to report information that is inaccurate, not fully verified, or improperly validated. Several of the disputed accounts contain incorrect payment histories, inconsistent dates, and missing documentation. Some items were verified without the credit bureaus providing any proof or method of verification, which violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).\n\nIn addition, certain student loan late payments were reported during periods covered by the federal CARES Act protections, during which federal servicers were prohibited from reporting delinquencies. Reporting late payments during that period violates both federal law and FCRA accuracy requirements ( FCRA 607 ( b ) ).\n\nSeveral hard inquiries also appear on my reports without my authorization or permissible purpose, violating FCRA 604 ( a ) ( 2 ). I requested verification, but no documentation or signed application has been provided.\n\nI am asking the CFPB to require the credit bureaus to : 1. Conduct a complete and lawful reinvestigation of all disputed items, 2. Provide documentation used to verify the accuracy of each item, and 3. Permanently delete any information that can not be fully verified according to the requirements of FCRA 611 ( a ) ( 5 ) ( A ).\n\nThis inaccurate and unverified reporting has resulted in repeated denials for housing and has caused significant harm. I am requesting CFPB intervention to ensure full legal compliance and correction of my consumer reports.","date_sent_to_company":"2025-12-02T17:45:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23860","tags":null,"has_narrative":true,"complaint_id":"17658434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-02T17:20:17.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am requesting CFPB intervention to ensure full <em>legal</em> <em>compliance</em> and correction of my consumer reports."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[17.94439,"17658434"]},{"_index":"complaint-public-v1","_id":"17655915","_score":17.922,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted formal written disputes to the credit reporting agencies regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit reports. These include charge-offs, collections, late payments, and unauthorized hard inquiries. I provided identification, proof of address, and detailed dispute letters.\n\nDespite providing complete documentation, the credit bureaus have continued to report information that is inaccurate, not fully verified, or improperly validated. Several of the disputed accounts contain incorrect payment histories, inconsistent dates, and missing documentation. Some items were verified without the credit bureaus providing any proof or method of verification, which violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).\n\nIn addition, certain student loan late payments were reported during periods covered by the federal CARES Act protections, during which federal servicers were prohibited from reporting delinquencies. Reporting late payments during that period violates both federal law and FCRA accuracy requirements ( FCRA 607 ( b ) ).\n\nSeveral hard inquiries also appear on my reports without my authorization or permissible purpose, violating FCRA 604 ( a ) ( 2 ). I requested verification, but no documentation or signed application has been provided.\n\nI am asking the CFPB to require the credit bureaus to : 1. Conduct a complete and lawful reinvestigation of all disputed items, 2. Provide documentation used to verify the accuracy of each item, and 3. Permanently delete any information that can not be fully verified according to the requirements of FCRA 611 ( a ) ( 5 ) ( A ).\n\nThis inaccurate and unverified reporting has resulted in repeated denials for housing and has caused significant harm. I am requesting CFPB intervention to ensure full legal compliance and correction of my consumer reports.","date_sent_to_company":"2025-12-02T17:45:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23860","tags":null,"has_narrative":true,"complaint_id":"17655915","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-02T17:45:02.000Z","state":"VA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am requesting CFPB intervention to ensure full <em>legal</em> <em>compliance</em> and correction of my consumer reports."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[17.922,"17655915"]},{"_index":"complaint-public-v1","_id":"16666582","_score":17.829493,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this follow-up complaint regarding continued systematic violations of the Fair Credit Reporting Act by all three major credit reporting agencies following their inadequate response to my original CFPB complaint # XXXX. Despite providing proper identification documentation ( driver 's license and Social Security card ) as required, these agencies have willfully failed to conduct proper investigations and continue to violate federal consumer protection law. \n\nOn XX/XX/XXXX, I filed CFPB complaint # XXXX against Equifax, Experian, and TransUnion for systematic FCRA violations following their failure to properly investigate my notarized dispute letters dated XX/XX/XXXX. \n\nKey Facts from Original Complaint : - Properly notarized dispute letters sent XX/XX/XXXX - Proper identification provided : Driver 's license and Social Security card - Certified mail delivery to all three agencies - Over 60 days passed with inadequate or no response - Multiple closed accounts disputed across all three reports EQUIFAX INFORMATION SERVICES LLC - TOTAL NON-COMPLIANCE Current Violation Status : COMPLETE FAILURE TO INVESTIGATE Despite receiving : - Properly notarized dispute letter ( XX/XX/XXXX ) - Valid driver 's license copy - Valid Social Security card copy - Certified mail delivery confirmation - CFPB complaint notification ( XX/XX/XXXX ) Equifax Response : XXXX INVESTIGATION CONDUCTED Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX - XXXX XXXX : {$61.00}, Closed XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Closed XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : {$74.00}, Closed XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : {$55.00}, Closed XX/XX/XXXX XXXX. XXXX - XXXX XXXX : {$510.00}, Closed XX/XX/XXXX XXXX. XXXX - XXXX XX/XX/XXXX Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Willful failure to conduct investigation despite proper identification - 15 U.S.C. 1681i ( a ) ( 5 ) : Complete failure to provide written investigation results- 15 U.S.C. 1681e ( b ) : Willful disregard for accuracy requirements- 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to promptly investigate despite proper consumer identification EXPERIAN INFORMATION SOLUTIONS INC. - TOTAL NON-COMPLIANCE Current Violation Status : COMPLETE FAILURE TO INVESTIGATE Despite receiving : - Properly notarized dispute letter ( XX/XX/XXXX ) - Valid driver 's license copy - Valid Social Security card copy - Certified mail delivery confirmation - CFPB complaint notification ( XX/XX/XXXX ) Experian Response : XXXX INVESTIGATION CONDUCTED Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX - XXXX XXXX : {$61.00}, Closed XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Closed XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : {$74.00}, Closed XX/XX/XXXX XXXX. XXXX XXXX - High Balance : {$55.00}, Closed XX/XX/XXXX Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Willful failure to conduct investigation despite proper identification - 15 U.S.C. 1681i ( a ) ( 5 ) : Complete failure to provide written investigation results- 15 U.S.C. 1681e ( b ) : Willful disregard for accuracy requirements- 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to promptly investigate despite proper consumer identification TRANSUNION LLC - PARTIAL COMPLIANCE WITH CONTINUED VIOLATIONS Current Violation Status : INADEQUATE INVESTIGATION WITH CONTINUED VIOLATIONS Despite receiving : - Properly notarized dispute letter ( XX/XX/XXXX ) - Valid driver 's license copy - Valid Social Security card copy - Certified mail delivery confirmation - CFPB complaint notification ( XX/XX/XXXX ) TransUnion Response : PARTIAL INVESTIGATION - CONTINUED VIOLATIONS Positive Action Taken : - REMOVED : XXXX XXXX XXXXXXXX account ( proving disputes had merit ) Continued Violations : - STILL REPORTING : XXXX XXXX account with inaccurate information - FAILED TO PROVIDE : Documentation of verification method as required by 15 U.S.C. 1681i ( a ) ( 7 ) - IGNORED : Explicit rejection of automated verification systems Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Inadequate investigation of remaining disputed account - 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide verification method documentation - 15 U.S.C. 1681e ( b ) : Continued reporting of inaccurate information despite proper identification CRITICAL LEGAL ISSUE - IDENTIFICATION REQUIREMENT VIOLATIONS Proper Identification Was Provided All three credit reporting agencies received complete and proper identification as required by federal law : 1. Valid Driver 's License Copy - Government-issued photo identification 2. Valid Social Security Card Copy - Official Social Security Administration document 3. Properly Notarized Dispute Letters - Legal verification of identity and signature 4. Certified Mail Delivery - Proof of receipt by agencies Legal Standard for Investigation Requirements Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies must conduct investigations when : - Consumer provides proper identification PROVIDED - Consumer disputes information in writing PROVIDED - Dispute is not frivolous or irrelevant PROVEN BY TRANSUNION 'S DELETION Willful Violations - No Excuse for Non-Compliance The agencies can not claim : - Insufficient identification - Driver 's license and Social Security card provided - Improper dispute format - Properly notarized letters sent via certified mail - Frivolous disputes - TransUnion 's deletion proves merit - Lack of notice - CFPB complaint provided additional notice EVIDENCE OF WILLFUL NONCOMPLIANCE Pattern of Systematic Violations XXXX. Complete Non-Response Despite Proper Documentation XXXX. Equifax : XXXX accounts disputed, XXXX investigations conducted XXXX. Experian : XXXX accounts disputed, XXXX investigations conducted XXXX. TransUnion : Partial compliance proving capability but willful selective noncompliance XXXX. Proof of XXXX XXXX. TransUnion 's deletion of XXXX account XXXX all disputes had legitimate basis XXXX. Makes Equifax and Experian 's complete non-response even more egregious XXXX. Demonstrates willful disregard rather than good faith disagreement 9. Regulatory Notice Ignored 10. CFPB complaint # XXXX provided additional regulatory notice XXXX. Agencies aware of federal oversight yet continue violations XXXX. Pattern of disregard for consumer protection enforcement XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ), willful noncompliance includes : - Reckless disregard for FCRA requirements- Complete non-response despite proper identification - Objectively unreasonable interpretation - No reasonable basis for ignoring proper disputes - Pattern of violations - Systematic non-compliance across multiple accounts and agencies HARM TO CONSUMER Ongoing Credit Damage 1. Credit Score Impact 2. Continued reporting of inaccurate closed accounts XXXX. Negative impact on credit utilization calculations XXXX. XXXX XXXX of credit scores 5. Access to Credit 6. Denial of credit applications due to inaccurate reporting 7. Higher interest rates on approved credit 8. Reduced credit limits and unfavorable terms 9. Financial Harm 10. Quantifiable higher borrowing costs 11. Lost opportunities for favorable financing 12. Additional costs for credit monitoring and repair efforts Constitutional Violations 1. Fifth Amendment Due Process 2. Denial of fair procedures for dispute resolution despite proper identification 3. Arbitrary and capricious agency conduct 4. Fourteenth Amendment Equal Protection 5. Discriminatory application of investigation standards 6. Unequal treatment compared to other consumers REQUESTED REGULATORY ACTION Immediate Relief Required 1. Mandatory Investigation Orders 2. Order Equifax to immediately investigate all 6 disputed accounts 3. Order Experian to immediately investigate all 4 disputed accounts 4. Order TransUnion to complete investigation of XXXX XXXX account XXXX. Compliance Monitoring 6. 15-day deadline for complete investigations 7. Required documentation of investigation methods 8. Mandatory reporting of corrective actions taken 9. Regulatory Penalties 10. Civil money penalties for willful FCRA violations 11. Enhanced oversight and monitoring of agency compliance 12. Public disclosure of systematic violations Consumer Protection Measures 1. Credit Report Corrections 2. Immediate removal of all inaccurate information 3. Correction letters to all creditors who received inaccurate reports 4. Updated credit reports provided at no cost 5. Damage Mitigation 6. Compensation for credit score damage and higher borrowing costs 7. Coverage of credit monitoring and repair expenses XXXX. Remedial measures for ongoing harm SUPPORTING DOCUMENTATION Evidence Provided : XXXX. XXXX notarized dispute letters ( XX/XX/XXXX ) XXXX. Certified mail delivery receipts XXXX. Driver 's license and Social Security card copies XXXX. Current credit reports showing continued inaccurate reporting XXXX. CFPB complaint # XXXX documentation XXXX. Evidence of TransUnion 's partial compliance ( XXXX deletion XXXX CONCLUSION This follow-up complaint demonstrates systematic and willful violations of the Fair Credit Reporting Act by all three major credit reporting agencies. Despite receiving proper identification documentation and legal notice through multiple channels, these agencies have : Equifax & Experian : Completely failed to conduct any investigations ( total noncompliance ) TransUnion : Conducted selective investigations proving capability but willful non-compliance The agencies ' conduct violates federal law, harms consumers, and undermines the integrity of the credit reporting system. Immediate regulatory intervention is required to ensure compliance with federal consumer protection law and prevent continued harm to consumers. \n\nTransUnion 's deletion of the XXXX account XXXX that all disputes had merit, making the complete non-response by Equifax and Experian inexcusable and demonstrating willful violations warranting maximum regulatory penalties.","date_sent_to_company":"2025-10-17T21:54:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48092","tags":null,"has_narrative":true,"complaint_id":"16666582","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-17T20:47:15.000Z","state":"MI","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["- FAILED TO PROVIDE : Documentation of <em>verification</em> method as required by 15 U.S.C. 1681i ( a ) ( 7 ) - IGNORED : Explicit rejection of automated <em>verification</em> systems Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Inadequate investigation of remaining disputed account - 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide <em>verification</em> method documentation - 15 U.S.C. 1681e ( b ) : Continued reporting of inaccurate <em>information</em> despite proper <em>identification</em> CRITICAL <em>LEGAL</em> ISSUE - <em>IDENTIFICATION</em> REQUIREMENT"],"sub_issue":["Difficulty submitting a dispute or getting <em>information</em> about a dispute over the phone"]},"sort":[17.829493,"16666582"]},{"_index":"complaint-public-v1","_id":"16666575","_score":17.829493,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this follow-up complaint regarding continued systematic violations of the Fair Credit Reporting Act by all three major credit reporting agencies following their inadequate response to my original CFPB complaint # XXXX. Despite providing proper identification documentation ( driver 's license and Social Security card ) as required, these agencies have willfully failed to conduct proper investigations and continue to violate federal consumer protection law. \n\nOn XX/XX/XXXX, I filed CFPB complaint # XXXX against Equifax, Experian, and TransUnion for systematic FCRA violations following their failure to properly investigate my notarized dispute letters dated XX/XX/XXXX. \n\nKey Facts from Original Complaint : - Properly notarized dispute letters sent XX/XX/XXXX - Proper identification provided : Driver 's license and Social Security card - Certified mail delivery to all three agencies - Over 60 days passed with inadequate or no response - Multiple closed accounts disputed across all three reports EQUIFAX INFORMATION SERVICES LLC - TOTAL NON-COMPLIANCE Current Violation Status : COMPLETE FAILURE TO INVESTIGATE Despite receiving : - Properly notarized dispute letter ( XX/XX/XXXX ) - Valid driver 's license copy - Valid Social Security card copy - Certified mail delivery confirmation - CFPB complaint notification ( XX/XX/XXXX ) Equifax Response : XXXX INVESTIGATION CONDUCTED Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX - XXXX XXXX : {$61.00}, Closed XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Closed XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : {$74.00}, Closed XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : {$55.00}, Closed XX/XX/XXXX XXXX. XXXX - XXXX XXXX : {$510.00}, Closed XX/XX/XXXX XXXX. XXXX - XXXX XX/XX/XXXX Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Willful failure to conduct investigation despite proper identification - 15 U.S.C. 1681i ( a ) ( 5 ) : Complete failure to provide written investigation results- 15 U.S.C. 1681e ( b ) : Willful disregard for accuracy requirements- 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to promptly investigate despite proper consumer identification EXPERIAN INFORMATION SOLUTIONS INC. - TOTAL NON-COMPLIANCE Current Violation Status : COMPLETE FAILURE TO INVESTIGATE Despite receiving : - Properly notarized dispute letter ( XX/XX/XXXX ) - Valid driver 's license copy - Valid Social Security card copy - Certified mail delivery confirmation - CFPB complaint notification ( XX/XX/XXXX ) Experian Response : XXXX INVESTIGATION CONDUCTED Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX - XXXX XXXX : {$61.00}, Closed XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Closed XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : {$74.00}, Closed XX/XX/XXXX XXXX. XXXX XXXX - High Balance : {$55.00}, Closed XX/XX/XXXX Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Willful failure to conduct investigation despite proper identification - 15 U.S.C. 1681i ( a ) ( 5 ) : Complete failure to provide written investigation results- 15 U.S.C. 1681e ( b ) : Willful disregard for accuracy requirements- 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to promptly investigate despite proper consumer identification TRANSUNION LLC - PARTIAL COMPLIANCE WITH CONTINUED VIOLATIONS Current Violation Status : INADEQUATE INVESTIGATION WITH CONTINUED VIOLATIONS Despite receiving : - Properly notarized dispute letter ( XX/XX/XXXX ) - Valid driver 's license copy - Valid Social Security card copy - Certified mail delivery confirmation - CFPB complaint notification ( XX/XX/XXXX ) TransUnion Response : PARTIAL INVESTIGATION - CONTINUED VIOLATIONS Positive Action Taken : - REMOVED : XXXX XXXX XXXXXXXX account ( proving disputes had merit ) Continued Violations : - STILL REPORTING : XXXX XXXX account with inaccurate information - FAILED TO PROVIDE : Documentation of verification method as required by 15 U.S.C. 1681i ( a ) ( 7 ) - IGNORED : Explicit rejection of automated verification systems Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Inadequate investigation of remaining disputed account - 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide verification method documentation - 15 U.S.C. 1681e ( b ) : Continued reporting of inaccurate information despite proper identification CRITICAL LEGAL ISSUE - IDENTIFICATION REQUIREMENT VIOLATIONS Proper Identification Was Provided All three credit reporting agencies received complete and proper identification as required by federal law : 1. Valid Driver 's License Copy - Government-issued photo identification 2. Valid Social Security Card Copy - Official Social Security Administration document 3. Properly Notarized Dispute Letters - Legal verification of identity and signature 4. Certified Mail Delivery - Proof of receipt by agencies Legal Standard for Investigation Requirements Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies must conduct investigations when : - Consumer provides proper identification PROVIDED - Consumer disputes information in writing PROVIDED - Dispute is not frivolous or irrelevant PROVEN BY TRANSUNION 'S DELETION Willful Violations - No Excuse for Non-Compliance The agencies can not claim : - Insufficient identification - Driver 's license and Social Security card provided - Improper dispute format - Properly notarized letters sent via certified mail - Frivolous disputes - TransUnion 's deletion proves merit - Lack of notice - CFPB complaint provided additional notice EVIDENCE OF WILLFUL NONCOMPLIANCE Pattern of Systematic Violations XXXX. Complete Non-Response Despite Proper Documentation XXXX. Equifax : XXXX accounts disputed, XXXX investigations conducted XXXX. Experian : XXXX accounts disputed, XXXX investigations conducted XXXX. TransUnion : Partial compliance proving capability but willful selective noncompliance XXXX. Proof of XXXX XXXX. TransUnion 's deletion of XXXX account XXXX all disputes had legitimate basis XXXX. Makes Equifax and Experian 's complete non-response even more egregious XXXX. Demonstrates willful disregard rather than good faith disagreement 9. Regulatory Notice Ignored 10. CFPB complaint # XXXX provided additional regulatory notice XXXX. Agencies aware of federal oversight yet continue violations XXXX. Pattern of disregard for consumer protection enforcement XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ), willful noncompliance includes : - Reckless disregard for FCRA requirements- Complete non-response despite proper identification - Objectively unreasonable interpretation - No reasonable basis for ignoring proper disputes - Pattern of violations - Systematic non-compliance across multiple accounts and agencies HARM TO CONSUMER Ongoing Credit Damage 1. Credit Score Impact 2. Continued reporting of inaccurate closed accounts XXXX. Negative impact on credit utilization calculations XXXX. XXXX XXXX of credit scores 5. Access to Credit 6. Denial of credit applications due to inaccurate reporting 7. Higher interest rates on approved credit 8. Reduced credit limits and unfavorable terms 9. Financial Harm 10. Quantifiable higher borrowing costs 11. Lost opportunities for favorable financing 12. Additional costs for credit monitoring and repair efforts Constitutional Violations 1. Fifth Amendment Due Process 2. Denial of fair procedures for dispute resolution despite proper identification 3. Arbitrary and capricious agency conduct 4. Fourteenth Amendment Equal Protection 5. Discriminatory application of investigation standards 6. Unequal treatment compared to other consumers REQUESTED REGULATORY ACTION Immediate Relief Required 1. Mandatory Investigation Orders 2. Order Equifax to immediately investigate all 6 disputed accounts 3. Order Experian to immediately investigate all 4 disputed accounts 4. Order TransUnion to complete investigation of XXXX XXXX account XXXX. Compliance Monitoring 6. 15-day deadline for complete investigations 7. Required documentation of investigation methods 8. Mandatory reporting of corrective actions taken 9. Regulatory Penalties 10. Civil money penalties for willful FCRA violations 11. Enhanced oversight and monitoring of agency compliance 12. Public disclosure of systematic violations Consumer Protection Measures 1. Credit Report Corrections 2. Immediate removal of all inaccurate information 3. Correction letters to all creditors who received inaccurate reports 4. Updated credit reports provided at no cost 5. Damage Mitigation 6. Compensation for credit score damage and higher borrowing costs 7. Coverage of credit monitoring and repair expenses XXXX. Remedial measures for ongoing harm SUPPORTING DOCUMENTATION Evidence Provided : XXXX. XXXX notarized dispute letters ( XX/XX/XXXX ) XXXX. Certified mail delivery receipts XXXX. Driver 's license and Social Security card copies XXXX. Current credit reports showing continued inaccurate reporting XXXX. CFPB complaint # XXXX documentation XXXX. Evidence of TransUnion 's partial compliance ( XXXX deletion XXXX CONCLUSION This follow-up complaint demonstrates systematic and willful violations of the Fair Credit Reporting Act by all three major credit reporting agencies. Despite receiving proper identification documentation and legal notice through multiple channels, these agencies have : Equifax & Experian : Completely failed to conduct any investigations ( total noncompliance ) TransUnion : Conducted selective investigations proving capability but willful non-compliance The agencies ' conduct violates federal law, harms consumers, and undermines the integrity of the credit reporting system. Immediate regulatory intervention is required to ensure compliance with federal consumer protection law and prevent continued harm to consumers. \n\nTransUnion 's deletion of the XXXX account XXXX that all disputes had merit, making the complete non-response by Equifax and Experian inexcusable and demonstrating willful violations warranting maximum regulatory penalties.","date_sent_to_company":"2025-10-17T21:54:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48092","tags":null,"has_narrative":true,"complaint_id":"16666575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-17T21:54:12.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["- FAILED TO PROVIDE : Documentation of <em>verification</em> method as required by 15 U.S.C. 1681i ( a ) ( 7 ) - IGNORED : Explicit rejection of automated <em>verification</em> systems Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Inadequate investigation of remaining disputed account - 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide <em>verification</em> method documentation - 15 U.S.C. 1681e ( b ) : Continued reporting of inaccurate <em>information</em> despite proper <em>identification</em> CRITICAL <em>LEGAL</em> ISSUE - <em>IDENTIFICATION</em> REQUIREMENT"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Difficulty submitting a dispute or getting <em>information</em> about a dispute over the phone"]},"sort":[17.829493,"16666575"]},{"_index":"complaint-public-v1","_id":"16666576","_score":17.825394,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this follow-up complaint regarding continued systematic violations of the Fair Credit Reporting Act by all three major credit reporting agencies following their inadequate response to my original CFPB complaint # XXXX. Despite providing proper identification documentation ( driver 's license and Social Security card ) as required, these agencies have willfully failed to conduct proper investigations and continue to violate federal consumer protection law. \n\nOn XX/XX/XXXX, I filed CFPB complaint # XXXX against Equifax, Experian, and TransUnion for systematic FCRA violations following their failure to properly investigate my notarized dispute letters dated XX/XX/XXXX. \n\nKey Facts from Original Complaint : - Properly notarized dispute letters sent XX/XX/XXXX - Proper identification provided : Driver 's license and Social Security card - Certified mail delivery to all three agencies - Over 60 days passed with inadequate or no response - Multiple closed accounts disputed across all three reports EQUIFAX INFORMATION SERVICES LLC - TOTAL NON-COMPLIANCE Current Violation Status : COMPLETE FAILURE TO INVESTIGATE Despite receiving : - Properly notarized dispute letter ( XX/XX/XXXX ) - Valid driver 's license copy - Valid Social Security card copy - Certified mail delivery confirmation - CFPB complaint notification ( XX/XX/XXXX ) Equifax Response : XXXX INVESTIGATION CONDUCTED Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX - XXXX XXXX : {$61.00}, Closed XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Closed XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : {$74.00}, Closed XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : {$55.00}, Closed XX/XX/XXXX XXXX. XXXX - XXXX XXXX : {$510.00}, Closed XX/XX/XXXX XXXX. XXXX - XXXX XX/XX/XXXX Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Willful failure to conduct investigation despite proper identification - 15 U.S.C. 1681i ( a ) ( 5 ) : Complete failure to provide written investigation results- 15 U.S.C. 1681e ( b ) : Willful disregard for accuracy requirements- 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to promptly investigate despite proper consumer identification EXPERIAN INFORMATION SOLUTIONS INC. - TOTAL NON-COMPLIANCE Current Violation Status : COMPLETE FAILURE TO INVESTIGATE Despite receiving : - Properly notarized dispute letter ( XX/XX/XXXX ) - Valid driver 's license copy - Valid Social Security card copy - Certified mail delivery confirmation - CFPB complaint notification ( XX/XX/XXXX ) Experian Response : XXXX INVESTIGATION CONDUCTED Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX - XXXX XXXX : {$61.00}, Closed XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Closed XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : {$74.00}, Closed XX/XX/XXXX XXXX. XXXX XXXX - High Balance : {$55.00}, Closed XX/XX/XXXX Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Willful failure to conduct investigation despite proper identification - 15 U.S.C. 1681i ( a ) ( 5 ) : Complete failure to provide written investigation results- 15 U.S.C. 1681e ( b ) : Willful disregard for accuracy requirements- 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to promptly investigate despite proper consumer identification TRANSUNION LLC - PARTIAL COMPLIANCE WITH CONTINUED VIOLATIONS Current Violation Status : INADEQUATE INVESTIGATION WITH CONTINUED VIOLATIONS Despite receiving : - Properly notarized dispute letter ( XX/XX/XXXX ) - Valid driver 's license copy - Valid Social Security card copy - Certified mail delivery confirmation - CFPB complaint notification ( XX/XX/XXXX ) TransUnion Response : PARTIAL INVESTIGATION - CONTINUED VIOLATIONS Positive Action Taken : - REMOVED : XXXX XXXX XXXXXXXX account ( proving disputes had merit ) Continued Violations : - STILL REPORTING : XXXX XXXX account with inaccurate information - FAILED TO PROVIDE : Documentation of verification method as required by 15 U.S.C. 1681i ( a ) ( 7 ) - IGNORED : Explicit rejection of automated verification systems Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Inadequate investigation of remaining disputed account - 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide verification method documentation - 15 U.S.C. 1681e ( b ) : Continued reporting of inaccurate information despite proper identification CRITICAL LEGAL ISSUE - IDENTIFICATION REQUIREMENT VIOLATIONS Proper Identification Was Provided All three credit reporting agencies received complete and proper identification as required by federal law : 1. Valid Driver 's License Copy - Government-issued photo identification 2. Valid Social Security Card Copy - Official Social Security Administration document 3. Properly Notarized Dispute Letters - Legal verification of identity and signature 4. Certified Mail Delivery - Proof of receipt by agencies Legal Standard for Investigation Requirements Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies must conduct investigations when : - Consumer provides proper identification PROVIDED - Consumer disputes information in writing PROVIDED - Dispute is not frivolous or irrelevant PROVEN BY TRANSUNION 'S DELETION Willful Violations - No Excuse for Non-Compliance The agencies can not claim : - Insufficient identification - Driver 's license and Social Security card provided - Improper dispute format - Properly notarized letters sent via certified mail - Frivolous disputes - TransUnion 's deletion proves merit - Lack of notice - CFPB complaint provided additional notice EVIDENCE OF WILLFUL NONCOMPLIANCE Pattern of Systematic Violations XXXX. Complete Non-Response Despite Proper Documentation XXXX. Equifax : XXXX accounts disputed, XXXX investigations conducted XXXX. Experian : XXXX accounts disputed, XXXX investigations conducted XXXX. TransUnion : Partial compliance proving capability but willful selective noncompliance XXXX. Proof of XXXX XXXX. TransUnion 's deletion of XXXX account XXXX all disputes had legitimate basis XXXX. Makes Equifax and Experian 's complete non-response even more egregious XXXX. Demonstrates willful disregard rather than good faith disagreement 9. Regulatory Notice Ignored 10. CFPB complaint # XXXX provided additional regulatory notice XXXX. Agencies aware of federal oversight yet continue violations XXXX. Pattern of disregard for consumer protection enforcement XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ), willful noncompliance includes : - Reckless disregard for FCRA requirements- Complete non-response despite proper identification - Objectively unreasonable interpretation - No reasonable basis for ignoring proper disputes - Pattern of violations - Systematic non-compliance across multiple accounts and agencies HARM TO CONSUMER Ongoing Credit Damage 1. Credit Score Impact 2. Continued reporting of inaccurate closed accounts XXXX. Negative impact on credit utilization calculations XXXX. XXXX XXXX of credit scores 5. Access to Credit 6. Denial of credit applications due to inaccurate reporting 7. Higher interest rates on approved credit 8. Reduced credit limits and unfavorable terms 9. Financial Harm 10. Quantifiable higher borrowing costs 11. Lost opportunities for favorable financing 12. Additional costs for credit monitoring and repair efforts Constitutional Violations 1. Fifth Amendment Due Process 2. Denial of fair procedures for dispute resolution despite proper identification 3. Arbitrary and capricious agency conduct 4. Fourteenth Amendment Equal Protection 5. Discriminatory application of investigation standards 6. Unequal treatment compared to other consumers REQUESTED REGULATORY ACTION Immediate Relief Required 1. Mandatory Investigation Orders 2. Order Equifax to immediately investigate all 6 disputed accounts 3. Order Experian to immediately investigate all 4 disputed accounts 4. Order TransUnion to complete investigation of XXXX XXXX account XXXX. Compliance Monitoring 6. 15-day deadline for complete investigations 7. Required documentation of investigation methods 8. Mandatory reporting of corrective actions taken 9. Regulatory Penalties 10. Civil money penalties for willful FCRA violations 11. Enhanced oversight and monitoring of agency compliance 12. Public disclosure of systematic violations Consumer Protection Measures 1. Credit Report Corrections 2. Immediate removal of all inaccurate information 3. Correction letters to all creditors who received inaccurate reports 4. Updated credit reports provided at no cost 5. Damage Mitigation 6. Compensation for credit score damage and higher borrowing costs 7. Coverage of credit monitoring and repair expenses XXXX. Remedial measures for ongoing harm SUPPORTING DOCUMENTATION Evidence Provided : XXXX. XXXX notarized dispute letters ( XX/XX/XXXX ) XXXX. Certified mail delivery receipts XXXX. Driver 's license and Social Security card copies XXXX. Current credit reports showing continued inaccurate reporting XXXX. CFPB complaint # XXXX documentation XXXX. Evidence of TransUnion 's partial compliance ( XXXX deletion XXXX CONCLUSION This follow-up complaint demonstrates systematic and willful violations of the Fair Credit Reporting Act by all three major credit reporting agencies. Despite receiving proper identification documentation and legal notice through multiple channels, these agencies have : Equifax & Experian : Completely failed to conduct any investigations ( total noncompliance ) TransUnion : Conducted selective investigations proving capability but willful non-compliance The agencies ' conduct violates federal law, harms consumers, and undermines the integrity of the credit reporting system. Immediate regulatory intervention is required to ensure compliance with federal consumer protection law and prevent continued harm to consumers. \n\nTransUnion 's deletion of the XXXX account XXXX that all disputes had merit, making the complete non-response by Equifax and Experian inexcusable and demonstrating willful violations warranting maximum regulatory penalties.","date_sent_to_company":"2025-10-17T21:54:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48092","tags":null,"has_narrative":true,"complaint_id":"16666576","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-17T21:54:12.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["- FAILED TO PROVIDE : Documentation of <em>verification</em> method as required by 15 U.S.C. 1681i ( a ) ( 7 ) - IGNORED : Explicit rejection of automated <em>verification</em> systems Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Inadequate investigation of remaining disputed account - 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide <em>verification</em> method documentation - 15 U.S.C. 1681e ( b ) : Continued reporting of inaccurate <em>information</em> despite proper <em>identification</em> CRITICAL <em>LEGAL</em> ISSUE - <em>IDENTIFICATION</em> REQUIREMENT"],"sub_issue":["Difficulty submitting a dispute or getting <em>information</em> about a dispute over the phone"]},"sort":[17.825394,"16666576"]},{"_index":"complaint-public-v1","_id":"15756964","_score":17.768234,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to dispute certain information contained in my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are legally obligated to ensure that all information reported is accurate, complete, and verifiable.\n\nThis letter serves as formal notice that my file contains information that I believe is inaccurate or unverifiable. Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information. If the information can not be verified within 30 days, you must promptly delete it from my credit file.\n\nIn accordance with your obligations under the FCRA : 1. Conduct a thorough reinvestigation of my credit file.\n\n2. Remove any and all information that can not be verified within the statutory timeframe. \nXXXX. Provide me with written confirmation of the results of your reinvestigation and an updated copy of my credit report. \n\nFor verification of my identity, I have enclosed copies of my government-issued identification, Social Security card , and proof of current address.\n\nPlease note that failure to comply with your obligations under the FCRA may constitute a violation of federal law, and I reserve the right to pursue further remedies as allowed under 15 U.S.C. 1681n and 1681o.\n\nI expect full compliance within the timeframes required by law. Thank you for your prompt attention to this matter.","date_sent_to_company":"2025-09-06T02:15:21.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"77033","tags":null,"has_narrative":true,"complaint_id":"15756964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-09-06T02:00:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["For <em>verification</em> of my identity, I have enclosed copies of my government-issued <em>identification</em>, Social Security card , and <em>proof</em> of current address.\n\nPlease note that failure to comply with your obligations under the FCRA may constitute a violation of federal law, and I reserve the right to pursue further remedies as allowed under 15 U.S.C. 1681n and 1681o.\n\nI expect full <em>compliance</em> within the timeframes required by law. Thank you for your prompt attention to this matter."]},"sort":[17.768234,"15756964"]},{"_index":"complaint-public-v1","_id":"17890656","_score":17.375954,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against Radius Global Solutions regarding the alleged medical collection they are reporting under account number XXXX for {$180.00}, currently reporting only to XXXX. I submitted a written request for validation of this alleged debt pursuant to FDCPA 809 ( b ), and despite confirmed receipt, this company has failed to provide any legally sufficient written validation for well over 30 days. Under federal law, all collection and reporting activity must cease until proper validation is provided ; however, Radius Global Solutions has continued furnishing this unverified account to Experian, constituting violations of FDCPA 1692e and 1692f for deceptive and unfair collection conduct and violations of FCRA 623 ( a ) for reporting information that is neither complete nor verified. Additionally, reporting this account without documentation establishing contractual liability, original creditor identification, medical billing detail, proof of assignment, and itemized account history violates XXXX XXXX reporting standards, which require substantiated verification prior to reporting any collection tradeline. By continuing to report a debt that has never been validated, Radius Global Solutions is exposing itself to statutory civil liability of up to {$1000.00} per violation under the FDCPA, with additional damages available under the FCRA for negligent or willful non-compliance.","date_sent_to_company":"2025-12-09T19:03:33.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"17890656","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Radius Global Solutions LLC","date_received":"2025-12-09T18:59:58.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Additionally, reporting this account without documentation establishing contractual liability, original creditor <em>identification</em>, medical billing detail, <em>proof</em> of assignment, and itemized account history violates XXXX XXXX reporting standards, which require substantiated <em>verification</em> prior to reporting any collection tradeline."]},"sort":[17.375954,"17890656"]},{"_index":"complaint-public-v1","_id":"11819428","_score":17.339226,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Unauthorized Collection Account Reported by Eastern Account System Dear Equifax, I am writing to formally dispute an account reported by a collection agency named Eastern Account System that appears on my Equifax credit report. Based on my research, XXXX XXXX  XXXX is not registered or licensed to collect debts in my state of California, as confirmed by the Nationwide Multistate Licensing System ( NMLS ). Therefore, their collection activities are unauthorized and unlawful in my state. \n\nUnder the Fair Credit Reporting Act ( FCRA ), 611, I request an immediate investigation into this matter. As this collection agency is not legally authorized to collect debts in California and the account can not be verified as legitimate, I demand that this account be permanently deleted from my credit report. \n\nTo support my dispute, I am including : A copy of my government-issued identification to verify my identity Proof of my California residency Please complete your investigation promptly and provide written confirmation once this account has been permanently removed from my credit file. Reporting inaccurate and unverifiable information violates my rights as a consumer under the FCRA, and I trust Equifax will address this issue in compliance with federal law. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-28T20:15:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90638","tags":null,"has_narrative":true,"complaint_id":"11819428","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-28T20:05:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As this collection agency is not <em>legally</em> authorized to collect debts in California and the account can not be <em>verified</em> as legitimate, I demand that this account be permanently deleted from my credit report. \n\nTo support my dispute, I am including : A copy of my government-issued <em>identification</em> to <em>verify</em> my identity <em>Proof</em> of my California residency Please <em>complete</em> your investigation promptly and provide written confirmation once this account has been permanently removed from my credit file."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[17.339226,"11819428"]},{"_index":"complaint-public-v1","_id":"11263419","_score":17.122086,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am formally disputing the accuracy, ownership, and reporting of this collection account, which I have no knowledge of. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am requesting immediate validation and investigation of this account. Furthermore, I am demanding compliance with all relevant federal laws governing the reporting and collection of consumer debts. Specifically, I request the following : 1. Validation of Debt ( 15 U.S.C. 1692g ) Provide complete and detailed validation of this debt, including : A copy of the original signed agreement or contract proving this account is mine. \nAn itemized accounting of all charges, fees, and payments made to date, showing how the balance was calculated. \nProof of your legal authority to collect this debt, including a copy of the assignment contract or bill of sale that establishes a valid chain of assignments. If the debt was sold multiple times, provide documentation for each transfer. \n\n2. Proof of Permissible Purpose ( 15 U.S.C. 1681b ) If you accessed my credit report, provide documentation showing that you had a permissible purpose to do so under the FCRA. Specifically, demonstrate that : You have a valid legal basis to access my consumer credit file. \nThis account was reported or accessed in compliance with federal law. \n\nUnauthorized access to my credit file is a violation of the Fair Credit Reporting Act and may result in legal consequences. \n\n3. Compliance with Privacy Laws ( 15 U.S.C. 6802 ) Under the Gramm-Leach-Bliley Act, you must demonstrate compliance with federal laws protecting my nonpublic personal information. Provide proof that : I was notified and provided consent for any disclosures of my information to third parties. \nYour possession and use of my personal information complies with all applicable privacy regulations. \n\nFailure to comply with these requirements constitutes an unlawful disclosure of personal information. \n\n4. Verification of Reporting Accuracy ( 15 U.S.C. 1681e ( b ) ) Under the FCRA, all information reported to credit bureaus must be accurate and complete. If you intend to verify this account, provide the following : A detailed explanation of the procedures followed to verify the accuracy of this information under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ). \nAll documentation retrieved and reviewed during the investigation that proves this account is accurate. \n\n5. Method of Verification and Shortened Timeline ( FCRA 611 ) If you verify this account, I demand a detailed description of the method and procedure used to verify its accuracy. This includes : All documentation from the original creditor. \nA detailed breakdown of how the reported information was confirmed to be correct. \n\nYou must provide this information to me within 15 days of verification ( or the legally required timeframe of 30 days under the FCRA ). If you can not verify this account, it must be removed from my credit report immediately under 15 U.S.C. 1681i ( a ) ( 5 ). \n\n6. Identity Theft Investigation ( 18 U.S.C. 1028A ) If this debt resulted from identity theft or fraud, I demand that you investigate under 18 U.S.C. 1028A. Provide evidence proving this account was not the result of fraudulent activity, including : All identification and information used to create the account. \nProof that the account was lawfully opened and maintained. \n\nFailure to investigate or provide adequate documentation will result in further legal action. \n\n7. Compliance with Billing Procedures ( 15 U.S.C. 1666b ) If this account includes late payments, demonstrate compliance with the Truth in Lending Act ( TILA, 15 U.S.C. 1666b ). Specifically, provide proof that : Periodic billing statements, as required under 15 U.S.C. 1637 ( b ), were provided at least 21 days prior to the payment due date. \nLate payment reporting adhered to all federal guidelines. \n\nIf these procedures were not followed, any late payment reporting is invalid and must be deleted. \n\nCease and Desist Request ( FDCPA 805 ( c ) ) Under 15 U.S.C. 1692c ( c ), I formally request that you cease and desist all communication with me regarding this alleged debt. You may only contact me to provide : 1. Validation of the debt as requested above. \n2. Notice that you are terminating collection efforts.\n\n3. Notification of legal actions you intend to take, if any.\n\nFailure to comply with this request will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. \n\nSummary of Demands If you can not validate this debt, prove its accuracy, or demonstrate compliance with the laws listed above, you must : 1. Immediately delete this account from my credit report under FCRA 611 ( a ) ( 5 ).\n\n2. Cease all collection activity related to this account. \n\nFailure to comply with these demands will result in complaints to the appropriate regulatory agencies and may result in legal action for violations of federal law. \n\nThank you for your prompt attention to this matter. I expect to receive all requested documentation and responses within the legally mandated timeframe.","date_sent_to_company":"2024-12-25T04:50:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"48601","tags":null,"has_narrative":true,"complaint_id":"11263419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2024-12-25T04:37:48.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Provide evidence proving this account was not the result of fraudulent activity, including : All <em>identification</em> and <em>information</em> used to create the account. \n<em>Proof</em> that the account was lawfully opened and maintained. \n\nFailure to investigate or provide adequate documentation will result in further <em>legal</em> action. \n\n7. <em>Compliance</em> with Billing Procedures ( 15 U.S.C. 1666b ) If this account includes late payments, demonstrate <em>compliance</em> with the Truth in Lending Act ( TILA, 15 U.S.C. 1666b )."]},"sort":[17.122086,"11263419"]},{"_index":"complaint-public-v1","_id":"15868040","_score":17.10354,"_source":{"product":"Debt collection","complaint_what_happened":"On numerous times i have notified this Kenosian & Milele that is is either mistaken identity or identity theft. I have furnish FTC Identity report in the past. I have requested numerous time to give copies of Identification that was used to obtain this loan but never receive this. Kenosian only sends documents of the loan but not any legal ID that was used. I have contact my local Police dept to file a report but they need the copies of Identification used for their report. Kenosian refuses to send proper paperwork of any and all photos of Identification used. Instead they send ither documents of the loan which i am attaching but still no proof they have the correct person. I am asking once again to please send proper copies of Identification Used to obtain this loan. \n\n\n\n\n\n\nXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( KENOSIAN & MIELE ) RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation i requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I want copies of State government issued Identification showing picture and address of individual used to obtain this debt. Copies of all signature pages, not electronic signatures, used to obtain this debt. Dont just send copies of loan application with no names or address. You must send copies of proper Identification and signatures used by the individual to obtain this loan. Copies of all Government issued Identification you used to determine i was the individual responsible for this debt. Each request in the past, has been followed up with no proof of identity, and insufficient documentation of individuals identity used to obtain this loan. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require XXXX days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. XXXX XXXX. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow XXXX  days for processing after I receive this information back. Best Regards, XXXX XXXX cc Federal Trade Commission","date_sent_to_company":"2025-09-11T22:45:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"93065","tags":null,"has_narrative":true,"complaint_id":"15868040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Law Offices of Kenosian & Miele, LLP","date_received":"2025-09-11T22:26:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["This is NOT a request for <em>verification</em> or <em>proof</em> of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any <em>legal</em> obligation to pay you."]},"sort":[17.10354,"15868040"]},{"_index":"complaint-public-v1","_id":"12946399","_score":17.100864,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX  Dispute Team, I am writing to dispute the unauthorized reinsertion of a previously deleted and fraudulent account : OneMain Financial, account # XXXX, which has reappeared on my credit report without notification or justification. This account was initially removed following the submission of a valid FTC Identity Theft Report and a local police report, which you acknowledged and accepted during the original dispute process.\n\nThe reinsertion of this account violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which explicitly requires that a consumer reporting agency provide written notice within\n5 business days of reinserting any previously deleted information. It also requires the agency to certify the accuracy and completeness of the information prior to reinsertion. As of the date of this letter, I have not received any such notice or certification. \n\nIn addition, I am demanding a complete and lawful reinvestigation of this account under 15 U.S.C. 1681i ( a ). As part of that process, you are legally obligated to provide the following : A detailed explanation of your method of verification, including the name and contact information of the individual or department at OneMain Financial who verified this account. \n\nAll documentation received from OneMain Financial that you used to justify the reinsertion. \n\nConcrete proof, such as the original account application, my signature, government-issued identification, or any other legitimate documentation clearly linking me to this account. \n\nA full explanation of how this account was determined to be in compliance with the identity theft protections under 15 U.S.C. 1681c-2, which outlines the procedures for blocking information resulting from fraud. \n\nMere verbal confirmation or vague assertions from the furnisher do not meet the legal threshold for verification. I demand concrete, document-based validation. Without it, the account must be permanently deleted and not reinserted under any circumstances. \n\nAdditionally, I would like to draw your attention to XXXX recent legal actions and settlements, where the company was found to have violated consumers ' FCRA rights by reinserting or reporting unverifiable information without proper investigation or notification. Continuing this pattern of non-compliance may expose your agency to similar legal liability.\n\nYou are required to complete this reinvestigation within 30 days under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, due to the severity of this matter and the prior documentation you have already received, I am demanding a response within 15 days of receipt of this letter. \n\nFailure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. I will also consider legal action for willful and negligent violations of the FCRA under 15 U.S.C. 1681n and 1681o, which provide for statutory damages, punitive damages, and attorneys fees. \n\nPlease send all correspondence to the address listed above. I expect your full compliance with federal law and immediate corrective action regarding this matter.","date_sent_to_company":"2025-05-29T16:36:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27012","tags":"Servicemember","has_narrative":true,"complaint_id":"12946399","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2025-04-11T10:22:19.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Concrete <em>proof</em>, such as the original account application, my signature, government-issued <em>identification</em>, or any other legitimate documentation clearly linking me to this account. \n\nA full explanation of how this account was determined to be in <em>compliance</em> with the identity theft protections under 15 U.S.C. 1681c-2, which outlines the procedures for blocking <em>information</em> resulting from fraud."]},"sort":[17.100864,"12946399"]},{"_index":"complaint-public-v1","_id":"10825945","_score":17.034777,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file. \nDespite my efforts to address this directly with the credit bureau ( s ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ). \nThe account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( XXXX ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA. \nUnder FCRA Section 611, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved.\n\nThe credit bureau ( s ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account.\n\nMy Requests : 1. Immediate Deletion : - I am requesting that the credit bureau ( s ) immediately delete this account as it is fraudulent. If itcannot be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed.\n\n2. Investigation : - I demand the credit bureau ( s ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account.\n\n- The ID used to open this account and proof it matches my information.\n\n- Full chain of custody of the account and records of all transfers.\n\n- Proof of legal authority and licensing of the debt collector/creditor to collect this debt.\n\n3. Compliance with the Law : - The credit bureau ( s ) must comply with FCRA Section 611 by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action.\n\nThis fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me.\n\nI have attached all relevant documentation, including my correspondence with the credit bureau ( s ) and copies of my credit report reflecting this account.\n\nThank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you","date_sent_to_company":"2024-11-16T20:20:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21239","tags":null,"has_narrative":true,"complaint_id":"10825945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-16T19:52:19.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["If itcannot be <em>verified</em> with the original signed contract, chain of custody, and matching <em>identification</em> used to open the account, it must be permanently removed.\n\n2. Investigation : - I demand the credit bureau ( s ) provide a <em>complete</em> investigation and <em>verification</em> process, including : - The original signed contract authorizing this account.\n\n- The ID used to open this account and <em>proof</em> it matches my <em>information</em>.\n\n- Full chain of custody of the account and records of all transfers."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Personal <em>information</em> incorrect"]},"sort":[17.034777,"10825945"]},{"_index":"complaint-public-v1","_id":"10824318","_score":17.034777,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file. \nDespite my efforts to address this directly with the credit bureau ( XXXX ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ). \nThe account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( XXXX ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA. \nUnder FCRA Section XXXX, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved. \nThe credit bureau ( XXXX ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account. \nMy Requests : XXXX. Immediate Deletion : - I am requesting that the credit bureau ( XXXX ) immediately delete this account as it is fraudulent. If itcannot be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed. \nXXXX. Investigation : - I demand the credit bureau ( XXXX ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account. \n- The ID used to open this account and proof it matches my information. \n- Full chain of custody of the account and records of all transfers. \n- Proof of legal authority and licensing of the debt collector/creditor to collect this debt. \nXXXX. Compliance with the Law : - The credit bureau ( XXXX ) must comply with FCRA Section XXXX by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action. \nThis fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me. \nI have attached all relevant documentation, including my correspondence with the credit bureau ( XXXX ) and copies of my credit report reflecting this account. \nThank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you","date_sent_to_company":"2024-11-16T20:20:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21239","tags":null,"has_narrative":true,"complaint_id":"10824318","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-16T20:20:30.000Z","state":"MD","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Investigation : - I demand the credit bureau ( XXXX ) provide a <em>complete</em> investigation and <em>verification</em> process, including : - The original signed contract authorizing this account. \n- The ID used to open this account and <em>proof</em> it matches my <em>information</em>. \n- Full chain of custody of the account and records of all transfers. \n- <em>Proof</em> of <em>legal</em> authority and licensing of the debt collector/creditor to collect this debt. \nXXXX."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Personal <em>information</em> incorrect"]},"sort":[17.034777,"10824318"]},{"_index":"complaint-public-v1","_id":"10822786","_score":17.034777,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file. \nDespite my efforts to address this directly with the credit bureau ( XXXX ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ). \nThe account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( XXXX ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA. \nUnder FCRA Section XXXX, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved. \nThe credit bureau ( XXXX ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account. \nMy Requests : XXXX. Immediate Deletion : - I am requesting that the credit bureau ( XXXX ) immediately delete this account as it is fraudulent. If itcannot be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed. \nXXXX. Investigation : - I demand the credit bureau ( XXXX ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account. \n- The ID used to open this account and proof it matches my information. \n- Full chain of custody of the account and records of all transfers. \n- Proof of legal authority and licensing of the debt collector/creditor to collect this debt. \nXXXX. Compliance with the Law : - The credit bureau ( XXXX ) must comply with FCRA Section XXXX by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action. \nThis fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me. \nI have attached all relevant documentation, including my correspondence with the credit bureau ( XXXX ) and copies of my credit report reflecting this account. \nThank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you","date_sent_to_company":"2024-11-16T20:20:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21239","tags":null,"has_narrative":true,"complaint_id":"10822786","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-16T20:20:30.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Investigation : - I demand the credit bureau ( XXXX ) provide a <em>complete</em> investigation and <em>verification</em> process, including : - The original signed contract authorizing this account. \n- The ID used to open this account and <em>proof</em> it matches my <em>information</em>. \n- Full chain of custody of the account and records of all transfers. \n- <em>Proof</em> of <em>legal</em> authority and licensing of the debt collector/creditor to collect this debt. \nXXXX."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Personal <em>information</em> incorrect"]},"sort":[17.034777,"10822786"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1343,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1343}]}},"product":{"doc_count":1343,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":944,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":936},{"key":"Other personal consumer report","doc_count":8}]}},{"key":"Credit reporting, credit repair services, or other personal 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