{"took":218,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2487,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14362211","_score":17.262915,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting immediate correction of inaccurate information being reported on the above-referenced account that violates the Fair Credit Reporting Act. \n\nACCOUNT STATUS ISSUE : Your credit reporting shows \" Account closed at consumer 's request and dispute investigation completed, consumer disagrees. '' This notation clearly indicates : Account was closed at MY request ( not adverse action ) A formal dispute investigation was completed Investigation results favored consumer position FCRA COMPLIANCE ISSUE : Per FCRA XXXX XXXX ( b ), when a dispute investigation is completed and determines information is inaccurate or incomplete, you must correct the reporting within 30 days. Your own notation acknowledges the investigation was completed with consumer disagreement, yet negative information remains. \n\nBUSINESS IMPACT : I am launching XXXX XXXX XXXX  a sustainable XXXX business, in the next 42 days. This inaccurate reporting is preventing access to necessary business credit lines for inventory and equipment purchases totaling approximately {$8500.00}. \n\nSPECIFIC CORRECTIONS REQUESTED : 1. Remove all negative payment history ( account was closed at my request ) 2. Update status to \" Closed at consumer request '' 3. Remove any late payment notations ( dispute was resolved in my favor ) 4. Submit corrections to all three credit bureaus within 15 days DOCUMENTATION REQUEST : Please provide : Copy of original dispute investigation results Written confirmation of corrections made Timeline for credit bureau updates LEGAL NOTICE : Failure to correct inaccurate information after acknowledgment of completed dispute investigation may constitute willful non-compliance with FCRA Section 623, subject to statutory damages up to {$1000.00} plus attorney fees. \n\nI trust XXXX XXXX will resolve this matter promptly and in compliance with federal law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-29T05:17:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"14362211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-29T05:16:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["reporting <em>within</em> 30 <em>days</em>."]},"sort":[17.262915,"14362211"]},{"_index":"complaint-public-v1","_id":"14361789","_score":17.252048,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting immediate correction of inaccurate information being reported on the above-referenced account that violates the Fair Credit Reporting Act. \n\nACCOUNT STATUS ISSUE : Your credit reporting shows \" Account closed at consumer 's request and dispute investigation completed, consumer disagrees. '' This notation clearly indicates : Account was closed at MY request ( not adverse action ) A formal dispute investigation was completed Investigation results favored consumer position FCRA COMPLIANCE ISSUE : Per FCRA Section 623 ( b ), when a dispute investigation is completed and determines information is inaccurate or incomplete, you must correct the reporting within 30 days. Your own notation acknowledges the investigation was completed with consumer disagreement, yet negative information remains.\n\nBUSINESS IMPACT : I am launching XXXX XXXX XXXX a sustainable XXXX business, in the next 42 days. This inaccurate reporting is preventing access to necessary business credit lines for inventory and equipment purchases totaling approximately {$8500.00}. \n\nSPECIFIC CORRECTIONS REQUESTED : 1. Remove all negative payment history ( account was closed at my request ) 2. Update status to \" Closed at consumer request '' 3. Remove any late payment notations ( dispute was resolved in my favor ) 4. Submit corrections to all three credit bureaus within 15 days DOCUMENTATION REQUEST : Please provide : Copy of original dispute investigation results Written confirmation of corrections made Timeline for credit bureau updates LEGAL NOTICE : Failure to correct inaccurate information after acknowledgment of completed dispute investigation may constitute willful non-compliance with FCRA Section 623, subject to statutory damages up to {$1000.00} plus attorney fees. \n\nI trust Wells Fargo will resolve this matter promptly and in compliance with federal law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-29T05:17:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"14361789","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-06-29T05:00:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["the reporting <em>within</em> 30 <em>days</em>."]},"sort":[17.252048,"14361789"]},{"_index":"complaint-public-v1","_id":"20805514","_score":16.858929,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I've reach out to Cash App on many occasions regarding their handing handling of my pending {$100.00} payment ( Transaction # XXXX ), which has remained unresolved for 41 days despite my full cooperation and numerous attempts to contact their team. \n\nTIMELINE OF EVENTS : XX/XX/year> : A {$100.00} payment ( Transaction # XXXX ) was flagged by Cash App Compliance. I contacted support the same day and was told a refund would be issued by XX/XX/year>. \nXX/XX/year> : I responded via email confirming this was a legitimate domestic peer-to-peer payment to a recipient in Virginia. The XXXX flag emoji referenced in the compliance inquiry was used inadvertently and had no bearing on the nature or destination of the payment. \nXX/XX/year> : No refund was issued. I contacted support again. \nXX/XX/year> : I was told the case had been escalated and I would receive my funds within one week. \nXX/XX/year> : A representative named XXXX confirmed the transaction meets Cash App 's terms of service, that the case remained under escalated review, and that I would receive a response within two business days. \nXX/XX/year> : No response received deadline missed. \nXX/XX/year> : No email, no phone call, no resolution. \nXX/XX/year> : 41 days have passed since the original compliance inquiry with no resolution. \n\nCash App has now missed at least four separate resolution deadlines : XX/XX/XXXX, approximately XX/XX/XXXX, XX/XX/XXXX, and the two-business-day window promised by XXXX on XX/XX/XXXX XXXX This pattern of delay, combined with the complete absence of any written resolution, constitutes a clear violation of Regulation E ( 12 CFR 1005.11 ), which requires Cash App to investigate promptly, complete its review within the legally mandated timeframe, and correct any identified error within one business day of determination. \n\nI first notified Cash App of this issue on XX/XX/year> 41 days ago. The continued delay and lack of written resolution constitutes a potential violation of federal consumer protection law, specifically the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005.11 ).","date_sent_to_company":"2026-03-31T14:18:47.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"20708","tags":null,"has_narrative":true,"complaint_id":"20805514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-03-31T13:10:58.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XX/XX/year> : A representative named XXXX confirmed the transaction meets Cash App 's terms of service, that the case remained under escalated review, and that I would receive a response <em>within</em> two <em>business</em> <em>days</em>. \nXX/XX/year> : No response received deadline missed. \nXX/XX/year> : No email, no phone call, no resolution. \nXX/XX/year> : 41 <em>days</em> have passed since the original <em>compliance</em> inquiry with no resolution."]},"sort":[16.858929,"20805514"]},{"_index":"complaint-public-v1","_id":"11213243","_score":16.168272,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX XXXX XXXX XXXX, I am writing in response to your recent communication dated XXXX XXXX, in which you failed to provide the requested documentation or address the specific issues I raised in my dispute. On XXXX XXXX, I submitted a formal request for information and documentation regarding. However, your response did not include the necessary documentation or a proper resolution of the matter. \nUnder the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ), you are required to investigate the dispute within 30 days and provide a response containing the requested information or a proper resolution. Additionally, if the information can not be verified, it must be corrected or removed from my credit report under 15 U.S. Code 1681i ( a ) ( 1 ).\n\nDespite my clear and specific request for such as account statements, proof of payments, proof of compliance with the billing cycle, 1099-C form, Debt Validation, etc., you have failed to provide this information in your response. This lack of compliance with my request not only delays the resolution of my dispute but also constitutes a violation of my rights under the FCRA.\n\nPlease consider this a formal notice of non-compliance. I request that you immediately provide the following documentation : 1. Account statements, proof of payments, proof of compliance with the billing cycle, 1099-C form, Debt Validation, copies of the billing statements showing the late payment, payment history, etc. ] 2.If you can not provide the requested documentation, you must remove or correct the inaccurate information from my credit report, as required by law. Please be advised that failure to provide the requested documentation within 10 business days from the receipt of this notice will leave me no choice but to escalate this matter. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies for violations of the Fair Credit Reporting Act.\n\nI expect to receive the requested documentation or a proper resolution of the dispute within the next 10 business days. If this matter is not resolved in that time, I will take further action as necessary.\n\nThank you for your immediate attention to this matter.","date_sent_to_company":"2024-12-19T17:09:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"398XX","tags":null,"has_narrative":true,"complaint_id":"11213243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-19T17:09:41.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I expect to receive the requested documentation or a proper resolution of the dispute <em>within</em> the next 10 <em>business</em> <em>days</em>. If this matter is not resolved in that time, I will take further action as necessary.\n\nThank you for your immediate attention to this matter."],"sub_issue":["Investigation took more than 30 <em>days</em>"]},"sort":[16.168272,"11213243"]},{"_index":"complaint-public-v1","_id":"11223058","_score":16.148127,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX XXXX XXXX XXXX, I am writing in response to your recent communication dated XXXX XXXX, in which you failed to provide the requested documentation or address the specific issues I raised in my dispute. On XXXX XXXX, I submitted a formal request for information and documentation regarding. However, your response did not include the necessary documentation or a proper resolution of the matter. \nUnder the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ), you are required to investigate the dispute within 30 days and provide a response containing the requested information or a proper resolution. Additionally, if the information can not be verified, it must be corrected or removed from my credit report under 15 U.S. Code 1681i ( a ) ( XXXX ). \nDespite my clear and specific request for such as account statements, proof of payments, proof of compliance with the billing cycle, 1099-C form, Debt Validation, etc., you have failed to provide this information in your response. This lack of compliance with my request not only delays the resolution of my dispute but also constitutes a violation of my rights under the FCRA.\n\nPlease consider this a formal notice of non-compliance. I request that you immediately provide the following documentation : 1. Account statements, proof of payments, proof of compliance with the billing cycle, 1099-C form, Debt Validation, copies of the billing statements showing the late payment, payment history, etc. ] 2.If you can not provide the requested documentation, you must remove or correct the inaccurate information from my credit report, as required by law. Please be advised that failure to provide the requested documentation within 10 business days from the receipt of this notice will leave me no choice but to escalate this matter. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies for violations of the Fair Credit Reporting Act.\n\nI expect to receive the requested documentation or a proper resolution of the dispute within the next 10 business days. If this matter is not resolved in that time, I will take further action as necessary. \nThank you for your immediate attention to this matter.","date_sent_to_company":"2024-12-19T17:09:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"398XX","tags":null,"has_narrative":true,"complaint_id":"11223058","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-19T16:53:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I expect to receive the requested documentation or a proper resolution of the dispute <em>within</em> the next 10 <em>business</em> <em>days</em>. If this matter is not resolved in that time, I will take further action as necessary. \nThank you for your immediate attention to this matter."],"sub_issue":["Investigation took more than 30 <em>days</em>"]},"sort":[16.148127,"11223058"]},{"_index":"complaint-public-v1","_id":"11213245","_score":16.148127,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX XXXX XXXX XXXX, I am writing in response to your recent communication dated XXXX XXXX, in which you failed to provide the requested documentation or address the specific issues I raised in my dispute. On XXXX XXXX, I submitted a formal request for information and documentation regarding. However, your response did not include the necessary documentation or a proper resolution of the matter. \nUnder the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ), you are required to investigate the dispute within 30 days and provide a response containing the requested information or a proper resolution. Additionally, if the information can not be verified, it must be corrected or removed from my credit report under 15 U.S. Code 1681i ( a ) ( 1 ).\n\nDespite my clear and specific request for such as account statements, proof of payments, proof of compliance with the billing cycle, 1099-C form, Debt Validation, etc., you have failed to provide this information in your response. This lack of compliance with my request not only delays the resolution of my dispute but also constitutes a violation of my rights under the FCRA.\n\nPlease consider this a formal notice of non-compliance. I request that you immediately provide the following documentation : 1. Account statements, proof of payments, proof of compliance with the billing cycle, 1099-C form, Debt Validation, copies of the billing statements showing the late payment, payment history, etc. ] 2.If you can not provide the requested documentation, you must remove or correct the inaccurate information from my credit report, as required by law. Please be advised that failure to provide the requested documentation within 10 business days from the receipt of this notice will leave me no choice but to escalate this matter. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies for violations of the Fair Credit Reporting Act.\n\nI expect to receive the requested documentation or a proper resolution of the dispute within the next 10 business days. If this matter is not resolved in that time, I will take further action as necessary.\n\nThank you for your immediate attention to this matter.","date_sent_to_company":"2024-12-19T17:09:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"398XX","tags":null,"has_narrative":true,"complaint_id":"11213245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-19T17:09:41.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I expect to receive the requested documentation or a proper resolution of the dispute <em>within</em> the next 10 <em>business</em> <em>days</em>. If this matter is not resolved in that time, I will take further action as necessary.\n\nThank you for your immediate attention to this matter."],"sub_issue":["Investigation took more than 30 <em>days</em>"]},"sort":[16.148127,"11213245"]},{"_index":"complaint-public-v1","_id":"16569002","_score":15.511449,"_source":{"product":"Mortgage","complaint_what_happened":"This letter serves as a formal demand to correct the inaccurate monthly payment amount shown on my XX/XX/year> statement. The statement reflects a new monthly payment of {$1300.00}, which is incorrect. \n\nI have never missed or been late on a payment, and there is no valid reason for an escrow fee to have been added to my loan. The unauthorized escrow charge of {$1500.00} must be immediately removed from my account. \n\nThis issue has been ongoing for an unacceptably long period of time, despite my repeated attempts to resolve it. I am now requesting written confirmation that : The escrow fee has been removed, and My monthly payment has been restored to the original amount as stated in my loan agreement. \n\nIf this error is not corrected promptly, I will have no choice but to escalate the matter to the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and state mortgage oversight authorities, as this situation has caused unnecessary financial and credit harm. \n\nPlease treat this as a priority and compliance-related issue. I expect a written resolution within 10 business days of receipt of this letter.","date_sent_to_company":"2025-10-14T18:06:50.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"92705","tags":null,"has_narrative":true,"complaint_id":"16569002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-10-14T17:50:53.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["If this error is not <em>corrected</em> promptly, I will have no choice but to escalate the matter to the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and state mortgage oversight authorities, as this situation has caused unnecessary financial and credit harm. \n\nPlease treat this as a priority and <em>compliance</em>-related <em>issue</em>. I expect a written resolution <em>within</em> 10 <em>business</em> <em>days</em> of receipt of this letter."]},"sort":[15.511449,"16569002"]},{"_index":"complaint-public-v1","_id":"14695595","_score":15.493564,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Immediately and permanently delete the fraudulent account listed below, as I did not open or authorize it and it was the result of identity theft : XXXX Account Number : XXXX Block all identity theftrelated data in compliance with 15 U.S.C. 1681c2 within XXXX business days, as I have already submitted the required documentation ( FTC Identity Theft Report, ID, XXXX, proof of address ). \n\nSend me written confirmation that the fraudulent item has been removed and blocked from my credit report. \n\nIssue a corrected and updated copy of my credit report reflecting these deletions. \n\nFailure to take these actions would be a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), and I will pursue further legal remedies as necessary.","date_sent_to_company":"2025-07-16T04:46:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08302","tags":null,"has_narrative":true,"complaint_id":"14695595","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-16T04:41:24.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Immediately and permanently delete the fraudulent account listed below, as I did not open or authorize it and it was the result of identity theft : XXXX Account Number : XXXX Block all identity theftrelated data in <em>compliance</em> with 15 U.S.C. 1681c2 <em>within</em> XXXX <em>business</em> <em>days</em>, as I have already submitted the required documentation ( FTC Identity Theft Report, ID, XXXX, proof of address ). \n\nSend me written confirmation that the fraudulent item has been removed and blocked from my credit report."]},"sort":[15.493564,"14695595"]},{"_index":"complaint-public-v1","_id":"12633634","_score":15.487583,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate and derogatory information reported by Equifax on my credit report concerning XXXX XXXX XXXX \n\nUnder the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the accuracy of information it reports. Specifically, Section 605 ( b ) mandates that credit reporting agencies remove disputed inaccurate information within four business days if the information can not be verified. The derogatory entries on my report regarding XXXX XXXXl remain unverified and false, despite my previous disputes. \n\nThese errors have directly prevented me from purchasing a home and securing financial stability. This persistence in incorrect reporting constitutes a violation of my rights under FCRA Sections 605 ( b ), 607 ( b ), and 611, which protect consumers from inaccurate and harmful credit information. \n\nI demand that Equifax immediately remove all inaccurate and derogatory entries regarding XXXX XXXX and provide me with a corrected credit report within four business days. Failure to resolve this matter may result in further legal action to ensure compliance and protect my rights under federal law.\n\nAttached are supporting documents for your review. \n\nThank you for your prompt attention to this urgent issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-25T21:22:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85345","tags":null,"has_narrative":true,"complaint_id":"12633634","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-25T21:11:43.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I demand that Equifax immediately remove all inaccurate and derogatory entries regarding XXXX XXXX and provide me with a <em>corrected</em> credit report <em>within</em> four <em>business</em> <em>days</em>. Failure to resolve this matter may result in further legal action to ensure <em>compliance</em> and protect my rights under federal law.\n\nAttached are supporting documents for your review. \n\nThank you for your prompt attention to this urgent <em>issue</em>. \n\nSincerely, XXXX XXXX"]},"sort":[15.487583,"12633634"]},{"_index":"complaint-public-v1","_id":"15113208","_score":15.473275,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting the permanent deletion and blocking of the fraudulent account listed below from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX Account Number : XXXX This account was not opened or authorized by me and is the result of identity theft. I have already submitted all required documents under 15 U.S.C. 1681c2, including : FTC Identity Theft Report Government-issued photo ID Social Security card Proof of current address Per FCRA requirements, I expect the following actions to be taken : Permanent deletion of the fraudulent account from all credit files. \n\nBlocking of all identity theft-related data within 4 business days. \n\nA corrected credit report showing the removal. \n\nWritten confirmation of the deletion and action taken. \n\nIf not resolved, I will proceed with complaints to the CFPB, FTC, BBB, and Attorney General, and may pursue legal action under FCRA 616 for non-compliance.","date_sent_to_company":"2025-08-07T01:08:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19140","tags":null,"has_narrative":true,"complaint_id":"15113208","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-07T00:44:49.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have already submitted all required documents under 15 U.S.C. 1681c2, including : FTC Identity Theft Report Government-<em>issued</em> photo ID Social Security card Proof of current address Per FCRA requirements, I expect the following actions to be taken : Permanent deletion of the fraudulent account from all credit files. \n\nBlocking of all identity theft-related data <em>within</em> 4 <em>business</em> <em>days</em>. \n\nA <em>corrected</em> credit report showing the removal. \n\nWritten confirmation of the deletion and action taken."]},"sort":[15.473275,"15113208"]},{"_index":"complaint-public-v1","_id":"14694355","_score":15.4603195,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Immediately and permanently delete the fraudulent account listed below, as I did not open or authorize it and it was the result of identity theft : XXXX Account Number : XXXX Block all identity theftrelated data in compliance with XXXX U.S.C. XXXX within XXXX business days, as I have already submitted the required documentation ( FTC Identity Theft Report, ID, SSN, proof of address ). Send me written confirmation that the fraudulent item has been removed and blocked from my credit report. Issue a corrected and updated copy of my credit report reflecting these deletions. Failure to take these actions would be a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), and I will pursue further legal remedies as necessary.","date_sent_to_company":"2025-07-16T04:52:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08302","tags":null,"has_narrative":true,"complaint_id":"14694355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-16T04:46:55.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Immediately and permanently delete the fraudulent account listed below, as I did not open or authorize it and it was the result of identity theft : XXXX Account Number : XXXX Block all identity theftrelated data in <em>compliance</em> with XXXX U.S.C. XXXX <em>within</em> XXXX <em>business</em> <em>days</em>, as I have already submitted the required documentation ( FTC Identity Theft Report, ID, SSN, proof of address ). Send me written confirmation that the fraudulent item has been removed and blocked from my credit report."]},"sort":[15.4603195,"14694355"]},{"_index":"complaint-public-v1","_id":"15111981","_score":15.457132,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting the permanent deletion and blocking of the fraudulent account listed below from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX  Account Number : XXXX This account was not opened or authorized by me and is the result of identity theft. I have already submitted all required documents under 15 U.S.C. 1681c2, including : FTC Identity Theft Report Government-issued photo ID Social Security card Proof of current address Per FCRA requirements, I expect the following actions to be taken : Permanent deletion of the fraudulent account from all credit files. \n\nBlocking of all identity theft-related data within 4 business days.\n\nA corrected credit report showing the removal.\n\nWritten confirmation of the deletion and action taken.\n\nIf not resolved, I will proceed with complaints to the CFPB, FTC, XXXX, and Attorney General, and may pursue legal action under FCRA 616 for non-compliance.","date_sent_to_company":"2025-08-07T01:50:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19140","tags":null,"has_narrative":true,"complaint_id":"15111981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-07T01:25:00.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have already submitted all required documents under 15 U.S.C. 1681c2, including : FTC Identity Theft Report Government-<em>issued</em> photo ID Social Security card Proof of current address Per FCRA requirements, I expect the following actions to be taken : Permanent deletion of the fraudulent account from all credit files. \n\nBlocking of all identity theft-related data <em>within</em> 4 <em>business</em> <em>days</em>.\n\nA <em>corrected</em> credit report showing the removal.\n\nWritten confirmation of the deletion and action taken."]},"sort":[15.457132,"15111981"]},{"_index":"complaint-public-v1","_id":"15113741","_score":15.437957,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting the permanent deletion and blocking of the fraudulent account listed below from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX Account Number : XXXX This account was not opened or authorized by me and is the result of identity theft. I have already submitted all required documents under 15 U.S.C. 1681c2, including : FTC Identity Theft Report Government-issued photo ID Social Security card Proof of current address Per FCRA requirements, I expect the following actions to be taken : Permanent deletion of the fraudulent account from all credit files.\n\nBlocking of all identity theft-related data within 4 business days.\n\nA corrected credit report showing the removal.\n\nWritten confirmation of the deletion and action taken.\n\nIf not resolved, I will proceed with complaints to the CFPB, FTCXXXX XXXX and Attorney General, and may pursue legal action under FCRA 616 for non-compliance.","date_sent_to_company":"2025-08-07T01:24:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19140","tags":null,"has_narrative":true,"complaint_id":"15113741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-07T01:10:43.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have already submitted all required documents under 15 U.S.C. 1681c2, including : FTC Identity Theft Report Government-<em>issued</em> photo ID Social Security card Proof of current address Per FCRA requirements, I expect the following actions to be taken : Permanent deletion of the fraudulent account from all credit files.\n\nBlocking of all identity theft-related data <em>within</em> 4 <em>business</em> <em>days</em>.\n\nA <em>corrected</em> credit report showing the removal.\n\nWritten confirmation of the deletion and action taken."]},"sort":[15.437957,"15113741"]},{"_index":"complaint-public-v1","_id":"11160747","_score":15.322267,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding American Express for inaccurately reporting a business account as an individual account on my personal credit report. This misrepresentation creates an incorrect liability and violates consumer protection laws and tax guidelines. \n\nThe account in question is a XXXX XXXX XXXX, issued for use by a separate legal entity. I, as an individual, am not personally liable for this account beyond its connection to the business entity. The card is explicitly a business credit card, not a personal credit card, as designed for business expenses. \n\nFurthermore, American Express is attempting to charge me {$28000.00}, an amount they have already written off for their tax benefit. Under federal tax law, including 26 U.S.C. 6050P, when a creditor writes off or cancels a debt over {$600.00} for tax purposes, they must issue a 1099-C form to the debtor. If American Express has benefited from writing off this debt, they can not continue to report or pursue it as a personal liability against me.\n\nAmerican Expresss misclassification of this account as an individual account on my personal credit report is inaccurate, misleading, and creates undue harm to my credit standing. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.\n\nRequested Resolution : XXXX. Ensure the account is correctly classified as a business account and not reported as my personal liability. \nXXXX. Investigate American Expresss attempt to charge {$28000.00} while they have already benefited from writing off the debt for tax purposes. \nXXXX. Confirm compliance with the FCRA and IRS reporting laws. \n\nPlease confirm receipt of this complaint and provide an update within 5-10 business days. I appreciate your prompt attention to this matter and trust you will work to correct these inaccuracies.","date_sent_to_company":"2024-12-15T22:42:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92620","tags":null,"has_narrative":true,"complaint_id":"11160747","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-12-15T22:27:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Ensure the account is <em>correctly</em> classified as a <em>business</em> account and not reported as my personal liability. \nXXXX. Investigate American Expresss attempt to charge {$28000.00} while they have already benefited from writing off the debt for tax purposes. \nXXXX. Confirm <em>compliance</em> with the FCRA and IRS reporting laws. \n\nPlease confirm receipt of this complaint and provide an update <em>within</em> 5-10 <em>business</em> <em>days</em>."]},"sort":[15.322267,"11160747"]},{"_index":"complaint-public-v1","_id":"14728282","_score":15.28089,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"A fair resolution to this issue would be as follows : Permanently delete and block the following fraudulent accounts and inquiries from my credit file as required under the FCRA : XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX  Account Number : 1655 Block all identity theftrelated data under 15 U.S.C. 1681c2 within 4 business days, as required by federal law.\n\nProvide written confirmation that the fraudulent accounts and inquiries have been fully removed and blocked. \n\nIssue a free updated copy of my corrected credit report reflecting these deletions. \n\nThese entries are a result of identity theft. All supporting documentation has already been provided, including : Government-issued photo ID Social Security card Proof of current address A valid FTC Identity Theft Report This resolution aligns with my rights under the Fair Credit Reporting Act ( FCRA ) and applicable federal laws, and I expect full compliance within the legal timeframe.","date_sent_to_company":"2025-07-19T02:53:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19151","tags":null,"has_narrative":true,"complaint_id":"14728282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-19T02:43:08.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Issue</em> a free updated copy of my <em>corrected</em> credit report reflecting these deletions. \n\nThese entries are a result of identity theft. All supporting documentation has already been provided, including : Government-<em>issued</em> photo ID Social Security card Proof of current address A valid FTC Identity Theft Report This resolution aligns with my rights under the Fair Credit Reporting Act ( FCRA ) and applicable federal laws, and I expect full <em>compliance</em> <em>within</em> the legal timeframe."]},"sort":[15.28089,"14728282"]},{"_index":"complaint-public-v1","_id":"9753272","_score":15.260143,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on my dispute letter dated [ XX/XX/XXXX ] concerning inaccuracies on my credit report. It has now been [ 36 ] days since the 30-day investigation period mandated by the Fair Credit Reporting Act ( FCRA ) expired. \n\nYour failure to adhere to the FCRA, 15 U.S.C. 1681i, which requires a response within 30 days, constitutes a clear violation of federal law. This statute mandates that you conduct a thorough investigation of my dispute and provide a resolution within the specified timeframe. Your inaction is unacceptable and not only impairs my credit standing but also infringes upon my rights as a consumer. \n\nThe disputed items remain unresolved, and the details are as follows : XXXX XXXX Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/XXXX XXXX XXXX  Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/XXXX XXXX XXXX  Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/XXXX XXXX  Type of Business : All Banks Date of Inquiry : XX/XX/XXXX Enclosed are copies of my original dispute letter and the supporting documentation previously provided. Given your non-compliance with the legal requirements, I demand that you immediately : Complete your investigation : Correct or remove the inaccurate information from my credit report without further delay. \nProvide a written response : Detail the results of your investigation and confirm the actions taken to rectify this issue. \nIf you fail to comply with these demands within the next 10 days, I will have no choice but to escalate this matter by my rights under the FCRA. \n\nThis situation requires your immediate attention. I expect a prompt resolution to avoid further legal and regulatory actions.","date_sent_to_company":"2024-08-08T22:54:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32836","tags":null,"has_narrative":true,"complaint_id":"9753272","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-08T22:37:07.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Given your non-<em>compliance</em> with the legal requirements, I demand that you immediately : Complete your investigation : <em>Correct</em> or remove the inaccurate information from my credit report without further delay. \nProvide a written response : Detail the results of your investigation and confirm the actions taken to rectify this <em>issue</em>. \nIf you fail to comply with these demands <em>within</em> the next 10 <em>days</em>, I will have no choice but to escalate this matter by my rights under the FCRA."],"sub_issue":["Investigation took more than 30 <em>days</em>"]},"sort":[15.260143,"9753272"]},{"_index":"complaint-public-v1","_id":"9747037","_score":15.245546,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on my dispute letter dated [ XX/XX/XXXX ] concerning inaccuracies on my credit report. It has now been [ 36 ] days since the 30-day investigation period mandated by the Fair Credit Reporting Act ( FCRA ) expired. \n\nYour failure to adhere to the FCRA, 15 U.S.C. 1681i, which requires a response within 30 days, constitutes a clear violation of federal law. This statute mandates that you conduct a thorough investigation of my dispute and provide a resolution within the specified timeframe. Your inaction is unacceptable and not only impairs my credit standing but also infringes upon my rights as a consumer. \n\nThe disputed items remain unresolved, and the details are as follows : XXXX Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/XXXX XXXX XXXX  Type of Business : Miscellaneous Finance Date of Inquiry : XX/XX/XXXX XXXX  Type of Business : Miscellaneous Finance Date of Inquiry : XX/XX/XXXX XXXX  Type of Business : Miscellaneous Finance Date of Inquiry : XX/XX/XXXX Enclosed are copies of my original dispute letter and the supporting documentation previously provided. Given your non-compliance with the legal requirements, I demand that you immediately : Complete your investigation : Correct or remove the inaccurate information from my credit report without further delay. \nProvide a written response : Detail the results of your investigation and confirm the actions taken to rectify this issue. \nIf you fail to comply with these demands within the next 10 days, I will have no choice but to escalate this matter by filing a formal complaint under my rights under the FCRA. \n\nThis situation requires your immediate attention. I expect a prompt resolution to avoid further legal and regulatory actions.","date_sent_to_company":"2024-08-08T23:43:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32836","tags":null,"has_narrative":true,"complaint_id":"9747037","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-08T23:37:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Given your non-<em>compliance</em> with the legal requirements, I demand that you immediately : Complete your investigation : <em>Correct</em> or remove the inaccurate information from my credit report without further delay. \nProvide a written response : Detail the results of your investigation and confirm the actions taken to rectify this <em>issue</em>."],"sub_issue":["Investigation took more than 30 <em>days</em>"]},"sort":[15.245546,"9747037"]},{"_index":"complaint-public-v1","_id":"15040062","_score":15.099567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a valid identity theft block request to ChexSystems for a fraudulent account from XXXX XXXX XXXX. I included all documentation required under 15 U.S. Code 1681c2 : my FTC identity theft report, police report, written statement, and proof of identity and address ( utility bill ). Despite this, ChexSystems denied my request without a valid reason. Under the FCRA, ChexSystems is legally required to block fraudulent information within 4 business days of receiving proper documentation. Their refusal to do so is a violation of my rights. I am requesting immediate removal of the XXXX XXXX XXXX account from my ChexSystems file and compliance with federal law. If this issue is not corrected, I will escalate the matter to the FTC and consider further legal action.","date_sent_to_company":"2025-08-01T17:34:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"15040062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-08-01T17:33:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the FCRA, ChexSystems is legally required to block fraudulent information <em>within</em> 4 <em>business</em> <em>days</em> of receiving proper documentation. Their refusal to do so is a violation of my rights. I am requesting immediate removal of the XXXX XXXX XXXX account from my ChexSystems file and <em>compliance</em> with federal law. If this <em>issue</em> is not <em>corrected</em>, I will escalate the matter to the FTC and consider further legal action."]},"sort":[15.099567,"15040062"]},{"_index":"complaint-public-v1","_id":"15013064","_score":15.083133,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Immediate reinvestigation of the late payment reported by XXXX XXXX ( Account # XXXX ), including a thorough review of all documentation proving that proper notice was provided prior to reporting the late payment. \n\nIf XXXX XXXX can not provide verifiable proof ( such as dated reminder letters, emails, or other communications ) showing that they notified you about the missed payment before reporting it to the credit bureaus, the late payment must be permanently deleted from your credit report in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nProvide a corrected and updated credit report reflecting the removal of the inaccurate late payment entry once the deletion is made. \n\nSend a written confirmation verifying the deletion and the completion of the reinvestigation within 15 business days. \n\nAssurance that this issue will be handled in a timely and compliant manner to prevent further violations or harm to your credit standing.","date_sent_to_company":"2025-08-01T13:10:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08081","tags":null,"has_narrative":true,"complaint_id":"15013064","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-01T02:55:49.000Z","state":"NJ","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":["Send a written confirmation verifying the deletion and the completion of the reinvestigation <em>within</em> 15 <em>business</em> <em>days</em>. \n\nAssurance that this <em>issue</em> will be handled in a timely and compliant manner to prevent further violations or harm to your credit standing."]},"sort":[15.083133,"15013064"]},{"_index":"complaint-public-v1","_id":"15010128","_score":15.083133,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Immediate reinvestigation of the late payment reported by XXXX XXXX ( Account # XXXX ), including a thorough review of all documentation proving that proper notice was provided prior to reporting the late payment. \n\nIf XXXX XXXX can not provide verifiable proof ( such as dated reminder letters, emails, or other communications ) showing that they notified you about the missed payment before reporting it to the credit bureaus, the late payment must be permanently deleted from your credit report in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nProvide a corrected and updated credit report reflecting the removal of the inaccurate late payment entry once the deletion is made. \n\nSend a written confirmation verifying the deletion and the completion of the reinvestigation within 15 business days. \n\nAssurance that this issue will be handled in a timely and compliant manner to prevent further violations or harm to your credit standing.","date_sent_to_company":"2025-08-01T02:52:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08081","tags":null,"has_narrative":true,"complaint_id":"15010128","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-01T02:49:36.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Send a written confirmation verifying the deletion and the completion of the reinvestigation <em>within</em> 15 <em>business</em> <em>days</em>. \n\nAssurance that this <em>issue</em> will be handled in a timely and compliant manner to prevent further violations or harm to your credit standing."]},"sort":[15.083133,"15010128"]},{"_index":"complaint-public-v1","_id":"14938321","_score":15.083133,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To resolve this issue fairly and in full compliance with the Fair Credit Reporting Act ( FCRA ), I am requesting : A complete reinvestigation of the late payment reported by XXXX XXXX ( Account Number : XXXX ). \n\nDocumentation from the creditor showing that proper notice of the upcoming due date and any late payment was sent to me including dated letters, emails, or reminders. \n\nIf they can not provide proof of such notice, the immediate permanent deletion of the late payment from my credit file. \n\nWritten confirmation from Equifax once the inaccurate information has been removed. \n\nAn updated and corrected copy of my credit report within 15 business days.\n\nIf this resolution is not provided, I will escalate this complaint further with the FTC, state Attorney General, and take legal action under FCRA 616, which allows up to {$1000.00} per violation, plus actual damages and legal costs.","date_sent_to_company":"2025-07-30T04:08:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30324","tags":null,"has_narrative":true,"complaint_id":"14938321","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-30T04:01:45.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["An updated and <em>corrected</em> copy of my credit report <em>within</em> 15 <em>business</em> <em>days</em>.\n\nIf this resolution is not provided, I will escalate this complaint further with the FTC, state Attorney General, and take legal action under FCRA 616, which allows up to {$1000.00} per violation, plus actual damages and legal costs."]},"sort":[15.083133,"14938321"]},{"_index":"complaint-public-v1","_id":"15008160","_score":14.968057,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting the immediate and permanent deletion of the following fraudulent account from my credit report : XXXX XXXX XXXX Account Number : XXXX This account is the result of identity theft, not a legitimate obligation. I have already provided all required documentation to support this claim, including : Government-issued photo ID Social Security card Proof of current address FTC Identity Theft Report Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to take the following actions : Block this identity theftrelated account from my credit file within XXXX business days of receiving proper documentation, in accordance with 15 U.S.C. 1681c2.\n\nReinvestigate and, if no proof of authorization is found, permanently delete the account per 15 U.S.C. 1681i ( a ).\n\nProvide written confirmation of the deletion and send an updated copy of my corrected credit report within XXXX business days. \n\nIf this matter is not resolved promptly, I will proceed with formal complaints to the CFPB, FTC, BBB, and the State Attorneys General in both your jurisdiction and mine. I also reserve the right to take legal action under FCRA 616, which entitles me to up to {$1000.00} per violation, plus any actual damages and attorneys fees. \n\nThis resolution is lawful and time-sensitive. I expect immediate action and full compliance without delay.","date_sent_to_company":"2025-07-31T02:50:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19140","tags":null,"has_narrative":true,"complaint_id":"15008160","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-31T02:14:48.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have already provided all required documentation to support this claim, including : Government-<em>issued</em> photo ID Social Security card Proof of current address FTC Identity Theft Report Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to take the following actions : Block this identity theftrelated account from my credit file <em>within</em> XXXX <em>business</em> <em>days</em> of receiving proper documentation, in accordance with 15 U.S.C. 1681c2."]},"sort":[14.968057,"15008160"]},{"_index":"complaint-public-v1","_id":"14789107","_score":14.946843,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To resolve this matter fairly and in compliance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the credit reporting agency : Permanently delete the following fraudulent accounts and unauthorized inquiries from my credit report : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Inquiry dated XX/XX/XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX XXXX  XXXX Account Number : XXXX Block all identity theftrelated data within 4 business days of receiving my supporting documentation, in accordance with 15 U.S.C. 1681c2.\n\nProvide a corrected and updated copy of my consumer credit report reflecting the removals. \n\nSend written confirmation of each deletion and block within the legal timeframe. \n\nI have already provided all supporting documents including my : Government-issued photo ID Social Security card Proof of address FTC Identity Theft Report If this issue is not resolved promptly, I will proceed with complaints to the CFPB, FTC, XXXX, and relevant Attorney General offices, and reserve the right to pursue legal action under FCRA 616 for statutory and actual damages, including legal fees.","date_sent_to_company":"2025-07-20T04:55:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77407","tags":null,"has_narrative":true,"complaint_id":"14789107","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-20T04:51:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To resolve this matter fairly and in <em>compliance</em> with the Fair Credit Reporting Act ( FCRA ), I am requesting that the credit reporting agency : Permanently delete the following fraudulent accounts and unauthorized inquiries from my credit report : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Inquiry dated XX/XX/XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX XXXX  XXXX Account Number : XXXX Block all identity theftrelated data <em>within</em> 4 <em>business</em> <em>days</em> of receiving my supporting documentation, in"]},"sort":[14.946843,"14789107"]},{"_index":"complaint-public-v1","_id":"14789168","_score":14.917867,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To resolve this matter fairly and in compliance with the Fair Credit Reporting Act ( FCRA ) and federal law, I am requesting the following actions : Immediately and permanently delete the fraudulent accounts and unauthorized inquiries listed below, which I previously disputed and provided supporting documentation for : XXXX XXXX XXXX XXXXXXXX Account No : XXXX XXXX XXXX XXXX Account Nos : XXXX and XXXX XXXX  XXXX Account No : XXXX Block all identity theftrelated data within 4 business days in accordance with 15 U.S.C. 1681c2, as you have already received : My FTC Identity Theft Report Government-issued ID Social Security card Proof of current address Provide a corrected and updated copy of my credit report reflecting these deletions.\n\nSend me written confirmation of the deletions and identity theft blocks within the legal timeframe.\n\nFailure to fully resolve this issue will result in additional complaints to the CFPB, FTC, XXXX, and the Attorney General 's Office. I also reserve the right to take legal action under FCRA 616 for statutory and actual damages. \n\nThis is a clear case of identity theft, not a misunderstanding, and I expect complete resolution without delay.","date_sent_to_company":"2025-07-20T04:47:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77407","tags":null,"has_narrative":true,"complaint_id":"14789168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-20T04:40:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To resolve this matter fairly and in <em>compliance</em> with the Fair Credit Reporting Act ( FCRA ) and federal law, I am requesting the following actions : Immediately and permanently delete the fraudulent accounts and unauthorized inquiries listed below, which I previously disputed and provided supporting documentation for : XXXX XXXX XXXX XXXXXXXX Account No : XXXX XXXX XXXX XXXX Account Nos : XXXX and XXXX XXXX  XXXX Account No : XXXX Block all identity theftrelated data <em>within</em> 4 <em>business</em> <em>days</em> in accordance"]},"sort":[14.917867,"14789168"]},{"_index":"complaint-public-v1","_id":"13770744","_score":14.861513,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint to EQUIFAX because the above-listed companies are reporting fraudulent, unverified, and inaccurate accounts on my credit reports. I have no knowledge of or contractual relationship with any of these creditors. These accounts do not belong to me and may be the result of identity theft or erroneous data reporting. I have submitted formal disputes to the credit bureaus and to each individual furnisher.\n\nMy dispute packets included : An FTC Identity Theft Report A copy of my government-issued photo ID Proof of current address Despite submitting the required documentation, the accounts continue to appear on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( a ) Requires deletion of identity-theft-related accounts within 4 business days of receiving valid documentation. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report data they know or reasonably should know is inaccurate. FCRA 623 ( b ) ( 1 ) Requires furnishers to conduct a reasonable investigation and correct or delete the information within 30 days. Metro 2 Compliance These furnishers have failed to flag the accounts correctly ( XB ) during the investigation or to remove them properly using deletion code ( DA ). These accounts are materially damaging my credit profile and violating my consumer protection rights under federal law.","date_sent_to_company":"2025-05-29T00:24:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78504","tags":null,"has_narrative":true,"complaint_id":"13770744","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-29T00:13:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FCRA 623 ( b ) ( 1 ) Requires furnishers to conduct a reasonable investigation and <em>correct</em> or delete the information <em>within</em> 30 <em>days</em>. Metro 2 <em>Compliance</em> These furnishers have failed to flag the accounts <em>correctly</em> ( XB ) during the investigation or to remove them properly using deletion code ( DA ). 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