{"took":228,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":37,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14536920","_score":24.602398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I file this complaint against XXXX for systematic failures to investigate and correct inaccuracies on my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Below is a summary of three written disputes sent to XXXX since XX/XX/XXXX, which remain unresolved : 1. Letter 1 ( Sent ~XXXX XXXX XXXXXXXX ) : * Formal Challenge : Demanded investigation of all inaccurate information under FCRA 611 ( 15 U.S.C. 1681i ) and Metro 2 standards. \n* Violations Cited : Highlighted XXXX failure to adhere to FCRA accuracy mandates and Metro 2 formatting, jeopardizing data integrity per the XXXX XXXX. \n* Demands : Requested verified documentary evidence supporting all disputed items and immediate correction of all inaccuracies to ensure 100 % factual accuracy. \n\n2. Letter 2 ( Sent Subsequently ) : * Specific Disputes : Challenged false delinquency/derogatory marks and unverified inquiries lacking permissible purpose. \n* Legal Obligations : Reiterated TransUnion 's FCRA duty to report only accurate, compliant data and Metro 2 formatting requirements. \n* Demands & Deadline : Requested physical evidence supporting negative accounts and permissible purpose for inquiries. Demanded deletion of unverified items and an updated report within 30 days ( deadline ignored ). \n\n3. Letter 3 ( Sent Subsequently ) : * Personal Information Demands : Directed deletion of all names not matching \" XXXX XXXX XXXX and all addresses not matching \" XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX '' to comply with FCRA/Metro 2 accuracy requirements. \n* Objection to Template Responses : Explicitly protested TransUnion 's illegal practice of sending generic form letters in response to disputes, violating FCRA 1681i ( a ) requiring individualized investigations. \n* Assertion of Rights : Clarified that letters were self-authored or created with consent ; no Power of Attorney is required, and third-party assistance can not justify delay per FCRA. \n* Notice of Intent : Warned that failure to process disputes lawfully would be considered willful non-compliance, leading to legal action. \n\nPersistent Violations & Request for CFPB Intervention : TransUnion has consistently failed to : 1. Conduct reasonable, individualized investigations as mandated by FCRA 611. \n2. Provide verifiable evidence supporting disputed items. \n3. Correct factual inaccuracies in tradelines and personal information ( Name/Address ). \n4. Ensure data formatting complies with Metro 2 standards. \n5. Refrain from illegal template responses to specific disputes. \n6. Resolve disputes within the legally mandated timeframe. \n\nThis pattern of non-compliance harms my financial opportunities and constitutes willful disregard of my consumer rights under the FCRA. I request the CFPB compel TransUnion to : * Immediately delete all unverified/inaccurate information ( accounts, inquiries, names, addresses ). \n* Provide a fully corrected, compliant credit report. \n* Furnish all documentary evidence used in their investigations. \n* Cease the use of illegal template responses. \n\nMy Information ( For Verification & Response ) : * Full Name : XXXX XXXX XXXX * Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX * SSN : XXXX * DOB : XX/XX/XXXXXXXX XXXX XXXX Dispute Address : XXXX XXXX XXXXXXXX, GA XXXX Thank you for your prompt attention to this serious matter.","date_sent_to_company":"2025-07-10T03:26:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10452","tags":null,"has_narrative":true,"complaint_id":"14536920","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-10T03:25:48.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* Legal Obligations : Reiterated TransUnion 's FCRA duty to report only accurate, compliant data and <em>Metro</em> 2 <em>formatting</em> requirements. \n* Demands & Deadline : Requested <em>physical</em> evidence supporting negative accounts and permissible purpose for inquiries. Demanded deletion of unverified items and an updated report within 30 days ( deadline ignored ). \n\n3."]},"sort":[24.602398,"14536920"]},{"_index":"complaint-public-v1","_id":"14532323","_score":24.234612,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal CFPB Complaint : TransUnion 's Violations of FCRA 611 & Metro 2 Standards Regarding Persistent Credit Report Inaccuracies Dear Consumer Financial Protection Bureau ( CFPB ), I file this complaint against TransUnion for systematic failures to investigate and correct inaccuracies on my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Below is a summary of three written disputes sent to TransUnion since XX/XX/XXXX, which remain unresolved : XXXX. Letter XXXX ( Sent ~XXXX XXXX, XXXX ) : * Formal Challenge : Demanded investigation of all inaccurate information under FCRA 611 ( 15 U.S.C. 1681i ) and Metro 2 standards.\n\n* Violations Cited : Highlighted TransUnion 's failure to adhere to FCRA accuracy mandates and Metro 2 formatting, jeopardizing data integrity per the 2020 CRRG.\n\n* Demands : Requested verified documentary evidence supporting all disputed items and immediate correction of all inaccuracies to ensure 100 % factual accuracy.\n\n2. Letter 2 ( Sent Subsequently ) : * Specific Disputes : Challenged false delinquency/derogatory marks and unverified inquiries lacking permissible purpose. \n* Legal Obligations : Reiterated TransUnion 's FCRA duty to report only accurate, compliant data and Metro 2 formatting requirements.\n\n* Demands & Deadline : Requested physical evidence supporting negative accounts and permissible purpose for inquiries. Demanded deletion of unverified items and an updated report within 30 days ( deadline ignored ). \n\nXXXX. Letter XXXX ( Sent Subsequently ) : * Personal Information Demands : Directed deletion of all names not matching \" XXXX XXXX XXXX and all addresses not matching \" XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX '' to comply with FCRA/Metro 2 accuracy requirements.\n\n* Objection to Template Responses : Explicitly protested TransUnion 's illegal practice of sending generic form letters in response to disputes, violating FCRA 1681i ( a ) requiring individualized investigations.\n\n* Assertion of Rights : Clarified that letters were self-authored or created with consent ; no Power of Attorney is required, and third-party assistance can not justify delay per FCRA. \n* Notice of Intent : Warned that failure to process disputes lawfully would be considered willful non-compliance, leading to legal action. \n\nPersistent Violations & Request for CFPB Intervention : TransUnion has consistently failed to : 1. Conduct reasonable, individualized investigations as mandated by FCRA 611.\n\n2. Provide verifiable evidence supporting disputed items.\n\n3. Correct factual inaccuracies in tradelines and personal information ( Name/Address ).\n\n4. Ensure data formatting complies with Metro 2 standards. \nXXXX. Refrain from illegal template responses to specific disputes. \nXXXX. Resolve disputes within the legally mandated timeframe. \n\nThis pattern of non-compliance harms my financial opportunities and constitutes willful disregard of my consumer rights under the FCRA. I request the CFPB compel TransUnion to : * Immediately delete all unverified/inaccurate information ( accounts, inquiries, names, addresses ). \n* Provide a fully corrected, compliant credit report. \n* Furnish all documentary evidence used in their investigations. \n* Cease the use of illegal template responses. \n\nMy Information ( For Verification & Response ) : * Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  SSN : XXXXXXXX XXXX DOB : XX/XX/XXXX XXXX TransUnion Dispute Address Used : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX you for your prompt attention to this serious matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-07-09T04:55:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10452","tags":null,"has_narrative":true,"complaint_id":"14532323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-09T04:51:59.000Z","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":["* Demands : Requested verified <em>documentary</em> evidence supporting all disputed items and immediate correction of all inaccuracies to ensure 100 % factual accuracy.\n\n2. Letter 2 ( Sent Subsequently ) : * Specific Disputes : Challenged false delinquency/derogatory marks and unverified inquiries lacking permissible purpose. \n* Legal Obligations : Reiterated TransUnion 's FCRA duty to report only accurate, compliant data and <em>Metro</em> 2 <em>formatting</em> requirements."]},"sort":[24.234612,"14532323"]},{"_index":"complaint-public-v1","_id":"14532325","_score":24.232567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal CFPB Complaint : TransUnion 's Violations of FCRA 611 & Metro 2 Standards Regarding Persistent Credit Report Inaccuracies Dear Consumer Financial Protection Bureau ( CFPB ), I file this complaint against TransUnion for systematic failures to investigate and correct inaccuracies on my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Below is a summary of three written disputes sent to TransUnion since XX/XX/XXXX, which remain unresolved : XXXX. Letter XXXX ( Sent ~XXXX XXXX, XXXX ) : * Formal Challenge : Demanded investigation of all inaccurate information under FCRA 611 ( 15 U.S.C. 1681i ) and Metro 2 standards.\n\n* Violations Cited : Highlighted TransUnion 's failure to adhere to FCRA accuracy mandates and Metro 2 formatting, jeopardizing data integrity per the 2020 CRRG.\n\n* Demands : Requested verified documentary evidence supporting all disputed items and immediate correction of all inaccuracies to ensure 100 % factual accuracy.\n\n2. Letter 2 ( Sent Subsequently ) : * Specific Disputes : Challenged false delinquency/derogatory marks and unverified inquiries lacking permissible purpose. \n* Legal Obligations : Reiterated TransUnion 's FCRA duty to report only accurate, compliant data and Metro 2 formatting requirements.\n\n* Demands & Deadline : Requested physical evidence supporting negative accounts and permissible purpose for inquiries. Demanded deletion of unverified items and an updated report within 30 days ( deadline ignored ). \n\nXXXX. Letter XXXX ( Sent Subsequently ) : * Personal Information Demands : Directed deletion of all names not matching \" XXXX XXXX XXXX and all addresses not matching \" XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX '' to comply with FCRA/Metro 2 accuracy requirements.\n\n* Objection to Template Responses : Explicitly protested TransUnion 's illegal practice of sending generic form letters in response to disputes, violating FCRA 1681i ( a ) requiring individualized investigations.\n\n* Assertion of Rights : Clarified that letters were self-authored or created with consent ; no Power of Attorney is required, and third-party assistance can not justify delay per FCRA. \n* Notice of Intent : Warned that failure to process disputes lawfully would be considered willful non-compliance, leading to legal action. \n\nPersistent Violations & Request for CFPB Intervention : TransUnion has consistently failed to : 1. Conduct reasonable, individualized investigations as mandated by FCRA 611.\n\n2. Provide verifiable evidence supporting disputed items.\n\n3. Correct factual inaccuracies in tradelines and personal information ( Name/Address ).\n\n4. Ensure data formatting complies with Metro 2 standards. \nXXXX. Refrain from illegal template responses to specific disputes. \nXXXX. Resolve disputes within the legally mandated timeframe. \n\nThis pattern of non-compliance harms my financial opportunities and constitutes willful disregard of my consumer rights under the FCRA. I request the CFPB compel TransUnion to : * Immediately delete all unverified/inaccurate information ( accounts, inquiries, names, addresses ). \n* Provide a fully corrected, compliant credit report. \n* Furnish all documentary evidence used in their investigations. \n* Cease the use of illegal template responses. \n\nMy Information ( For Verification & Response ) : * Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  SSN : XXXXXXXX XXXX DOB : XX/XX/XXXX XXXX TransUnion Dispute Address Used : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX you for your prompt attention to this serious matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-07-09T04:55:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10452","tags":null,"has_narrative":true,"complaint_id":"14532325","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-09T04:51:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* Demands : Requested verified <em>documentary</em> evidence supporting all disputed items and immediate correction of all inaccuracies to ensure 100 % factual accuracy.\n\n2. Letter 2 ( Sent Subsequently ) : * Specific Disputes : Challenged false delinquency/derogatory marks and unverified inquiries lacking permissible purpose. \n* Legal Obligations : Reiterated TransUnion 's FCRA duty to report only accurate, compliant data and <em>Metro</em> 2 <em>formatting</em> requirements."]},"sort":[24.232567,"14532325"]},{"_index":"complaint-public-v1","_id":"14531980","_score":24.18394,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal CFPB Complaint : TransUnion 's Violations of FCRA 611 & Metro 2 Standards Regarding Persistent Credit Report Inaccuracies Dear Consumer Financial Protection Bureau ( CFPB ), I file this complaint against TransUnion for systematic failures to investigate and correct inaccuracies on my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Below is a summary of three written disputes sent to TransUnion since XX/XX/XXXX, which remain unresolved : XXXX. Letter XXXX ( Sent ~XXXX XXXX, XXXX ) : * Formal Challenge : Demanded investigation of all inaccurate information under FCRA 611 ( 15 U.S.C. 1681i ) and Metro 2 standards.\n\n* Violations Cited : Highlighted TransUnion 's failure to adhere to FCRA accuracy mandates and Metro 2 formatting, jeopardizing data integrity per the 2020 CRRG.\n\n* Demands : Requested verified documentary evidence supporting all disputed items and immediate correction of all inaccuracies to ensure 100 % factual accuracy.\n\n2. Letter 2 ( Sent Subsequently ) : * Specific Disputes : Challenged false delinquency/derogatory marks and unverified inquiries lacking permissible purpose. \n* Legal Obligations : Reiterated TransUnion 's FCRA duty to report only accurate, compliant data and Metro 2 formatting requirements.\n\n* Demands & Deadline : Requested physical evidence supporting negative accounts and permissible purpose for inquiries. Demanded deletion of unverified items and an updated report within 30 days ( deadline ignored ). \n\nXXXX. Letter XXXX ( Sent Subsequently ) : * Personal Information Demands : Directed deletion of all names not matching \" XXXX XXXX XXXX and all addresses not matching \" XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX '' to comply with FCRA/Metro 2 accuracy requirements.\n\n* Objection to Template Responses : Explicitly protested TransUnion 's illegal practice of sending generic form letters in response to disputes, violating FCRA 1681i ( a ) requiring individualized investigations.\n\n* Assertion of Rights : Clarified that letters were self-authored or created with consent ; no Power of Attorney is required, and third-party assistance can not justify delay per FCRA. \n* Notice of Intent : Warned that failure to process disputes lawfully would be considered willful non-compliance, leading to legal action. \n\nPersistent Violations & Request for CFPB Intervention : TransUnion has consistently failed to : 1. Conduct reasonable, individualized investigations as mandated by FCRA 611.\n\n2. Provide verifiable evidence supporting disputed items.\n\n3. Correct factual inaccuracies in tradelines and personal information ( Name/Address ).\n\n4. Ensure data formatting complies with Metro 2 standards. \nXXXX. Refrain from illegal template responses to specific disputes. \nXXXX. Resolve disputes within the legally mandated timeframe. \n\nThis pattern of non-compliance harms my financial opportunities and constitutes willful disregard of my consumer rights under the FCRA. I request the CFPB compel TransUnion to : * Immediately delete all unverified/inaccurate information ( accounts, inquiries, names, addresses ). \n* Provide a fully corrected, compliant credit report. \n* Furnish all documentary evidence used in their investigations. \n* Cease the use of illegal template responses. \n\nMy Information ( For Verification & Response ) : * Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  SSN : XXXXXXXX XXXX DOB : XX/XX/XXXX XXXX TransUnion Dispute Address Used : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX you for your prompt attention to this serious matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-07-09T04:55:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10452","tags":null,"has_narrative":true,"complaint_id":"14531980","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-09T03:46:58.000Z","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":["* Demands : Requested verified <em>documentary</em> evidence supporting all disputed items and immediate correction of all inaccuracies to ensure 100 % factual accuracy.\n\n2. Letter 2 ( Sent Subsequently ) : * Specific Disputes : Challenged false delinquency/derogatory marks and unverified inquiries lacking permissible purpose. \n* Legal Obligations : Reiterated TransUnion 's FCRA duty to report only accurate, compliant data and <em>Metro</em> 2 <em>formatting</em> requirements."]},"sort":[24.18394,"14531980"]},{"_index":"complaint-public-v1","_id":"14564724","_score":24.135735,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I file this complaint against INNOVIS for systematic failures to investigate and correct inaccuracies on my credit report, violating the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. Below is a summary of three written disputes sent to INNOVIS since XX/XX/XXXX, which remain unresolved : 1. Letter 1 ( Sent ~XXXX XXXX XXXXXXXX ) : * Formal Challenge : Demanded investigation of all inaccurate information under FCRA 611 ( 15 U.S.C. 1681i ) and Metro 2 standards. \n* Violations Cited : Highlighted INNOVIS failure to adhere to FCRA accuracy mandates and Metro 2 formatting, jeopardizing data integrity per the XXXX XXXX. \n* Demands : Requested verified documentary evidence supporting all disputed items and immediate correction of all inaccuracies to ensure 100 % factual accuracy. \n\n2. Letter 2 ( Sent Subsequently ) : * Specific Disputes : Challenged false delinquency/derogatory marks and unverified inquiries lacking permissible purpose. \n* Legal Obligations : Reiterated TransUnion 's FCRA duty to report only accurate, compliant data and Metro 2 formatting requirements. \n* Demands & Deadline : Requested physical evidence supporting negative accounts and permissible purpose for inquiries. Demanded deletion of unverified items and an updated report within 30 days ( deadline ignored ). \n\n3. Letter 3 ( Sent Subsequently ) : * Personal Information Demands : Directed deletion of all names not matching \" XXXX XXXX XXXX and all addresses not matching \" XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX '' to comply with FCRA/Metro 2 accuracy requirements. \n* Objection to Template Responses : Explicitly protested XXXX XXXX  illegal practice of sending generic form letters in response to disputes, violating FCRA 1681i ( a ) requiring individualized investigations. \n* Assertion of Rights : Clarified that letters were self-authored or created with consent ; no Power of Attorney is required, and third-party assistance can not justify delay per FCRA. \n* Notice of Intent : Warned that failure to process disputes lawfully would be considered willful non-compliance, leading to legal action. \n\nPersistent Violations & Request for CFPB Intervention : TransUnion has consistently failed to : 1. Conduct reasonable, individualized investigations as mandated by FCRA 611. \n2. Provide verifiable evidence supporting disputed items. \n3. Correct factual inaccuracies in tradelines and personal information ( Name/Address ). \n4. Ensure data formatting complies with Metro 2 standards. \n5. Refrain from illegal template responses to specific disputes. \n6. Resolve disputes within the legally mandated timeframe. \n\nThis pattern of non-compliance harms my financial opportunities and constitutes willful disregard of my consumer rights under the FCRA. I request the CFPB compel XXXX to : * Immediately delete all unverified/inaccurate information ( accounts, inquiries, names, addresses ). \n* Provide a fully corrected, compliant credit report. \n* Furnish all documentary evidence used in their investigations. \n* Cease the use of illegal template responses. \n\nMy Information ( For Verification & Response ) : * Full Name : XXXX XXXX XXXX * Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX * SSN : XXXX * DOB : XX/XX/XXXX XXXX INNOVIS Dispute Address : XXXX XXXXXXXX XXXX, GA XXXX XXXX you for your prompt attention to this serious matter.","date_sent_to_company":"2025-07-10T03:26:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10452","tags":null,"has_narrative":true,"complaint_id":"14564724","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-07-10T03:09:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* Legal Obligations : Reiterated TransUnion 's FCRA duty to report only accurate, compliant data and <em>Metro</em> 2 <em>formatting</em> requirements. \n* Demands & Deadline : Requested <em>physical</em> evidence supporting negative accounts and permissible purpose for inquiries. Demanded deletion of unverified items and an updated report within 30 days ( deadline ignored ). \n\n3."]},"sort":[24.135735,"14564724"]},{"_index":"complaint-public-v1","_id":"13386856","_score":22.352783,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against Equifax for its continued reporting of outdated, inaccurate, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). I submitted a dispute on XX/XX/XXXX, formally requesting that Equifax correct or delete all non-compliant entries, but as of today, no correction or verification has been provided. \n\nKey Violations & Issues Identified : 1. Inaccurate Personal Information Equifax continues to report the following false or outdated information : Incorrect previous address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Incorrect previous address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Incorrect current address formatting Incorrect name entries : XXXX XXXX and XXXX XXXX  Employer misreporting : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect date of birth : XXXX ( instead of XX/XX/XXXX ) These entries are not factually accurate, lack verifiable documentation, and may expose me to identity-related risks. Equifax has failed to uphold FCRA 1681e ( b ), which requires all consumer data to be reported with maximum possible accuracy. \n\n2. Failure to Investigate or Validate Derogatory Tradelines Despite my formal dispute, Equifax continues to report accounts that were not validated or corrected. These include : Tradelines with inconsistent date last active and payment status Accounts lacking compliance with Metro 2 formatting requirements No physical or documentary evidence of permissible purpose provided Equifaxs failure to delete or correct unverifiable accounts violates : FCRA 1681i ( a ) ( 1 ) failure to investigate FCRA 1681i ( a ) ( 5 ) failure to delete inaccurate or unverifiable data","date_sent_to_company":"2025-05-07T23:27:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48227","tags":null,"has_narrative":true,"complaint_id":"13386856","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-07T23:22:01.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["These include : Tradelines with inconsistent date last active and payment status Accounts lacking <em>compliance</em> with <em>Metro</em> 2 <em>formatting</em> requirements No <em>physical</em> or <em>documentary</em> evidence of permissible purpose provided Equifaxs failure to delete or correct unverifiable accounts violates : FCRA 1681i ( a ) ( 1 ) failure to investigate FCRA 1681i ( a ) ( 5 ) failure to delete inaccurate or unverifiable data"]},"sort":[22.352783,"13386856"]},{"_index":"complaint-public-v1","_id":"10521554","_score":15.3431425,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nDear Sir, Madam, or to whom elsewise it may concern\nI wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful\ndetails concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected.\nI challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the 2020 XXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations. Listed below are the Personal Information that are being challenged Incorrect Name: - XXXX XXXX\nEmployer - XXXX XXXX\nIncorrect Previous Address: - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nEmployer - XXXX\nIncorrect Previous Address: - XXXX XXXX XXXX XXXX XXXX XXXX\nEmployer - XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nIncorrect Name: - XXXX XXXX\nThe following personal information is incorrect - The personal data reporting is inaccurate.\nIncorrect Name: - XXXX XXXX\nI kindly request your immediate attention and prompt resolution of any inaccuracies within your database concerning the recorded names. It is critical to acknowledge that my authentic and precise name is XXXX XXXX. Should your system contain any conflicting information contrary to my explicit declaration, I earnestly\ninsist that you expeditiously rectify these disparities without delay. Your swift compliance with this matter is\ngreatly appreciated.\nEmployer - XXXX XXXX\nThe following personal information is incorrect - The personal data reporting is inaccurate. I humbly request that you kindly update your records with regard to Employer and XXXX XXXX. I have noticed that the information contained therein is currently inaccurate and does not meet the minimum standards for accuracy. As you may be aware, inaccurate data can have serious implications, and failure to correct it may result in legal action. I strongly believe that inaccurate information has no place in your records or on my credit report, and I earnestly demand that it be removed without delay. Your prompt attention to this matter would be greatly appreciated. Incorrect Previous Address: - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nThe following personal information is incorrect - The personal data reporting is inaccurate. I would like to emphasize the significance of maintaining accurate and timely personal information, which should be verifiable as well. It is imperative that your credit profile adheres to the guidelines set forth by the Fair Credit Reporting Act (FCRA) and Metro 2 standards. In order to ensure compliance, I kindly request the deletion of any address within your system that does not align with my specific address of XXXX XXXX XXXX XXXX XXXX XXXX. Your prompt attention to this matter is greatly appreciated as it will contribute to the proper handling of my personal information and uphold the standards expected in our interactions.\nEmployer - XXXX\nThe following personal information is incorrect - The personal data reporting is inaccurate. I am writing to request your prompt attention to the records associated with the Employer - XXXX. It\nhas come to my attention that the current records are inaccurate and do not meet the minimum standard for accuracy. As a responsible and law-abiding individual, it is my duty to bring this matter to your attention and request immediate corrective action. Please be advised that failure to correct the inaccurate data may result in legal action. It is imperative that inaccurate information is removed from both your records and my credit report without delay. I trust that you will take the necessary measures to ensure the accuracy of your records and avoid any legal complications. Incorrect Previous Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nThe following personal information is incorrect - The personal data reporting is inaccurate. It is of utmost importance that your personal information is maintained with accuracy, timeliness, and verifiability. In compliance with the Fair Credit Reporting Act (FCRA) and Metro 2 standards, it is imperative that you possess the appropriate documentation to support your credit profile. Therefore, I kindly request that you promptly remove any address from your system that does not align with my specific address of XXXX XXXX XXXX XXXX XXXX XXXX. Ensuring this alignment will contribute to the integrity of the information and foster a stronger adherence to regulatory requirements. Your attention to this matter and subsequent action are greatly appreciated. Employer - XXXX XXXX XXXX\nThe following personal information is incorrect - The personal data reporting is inaccurate. Dear Employer, I kindly request that you update your records as soon as possible, as I have noticed they are currently inaccurate and do not meet the minimum standard for accuracy. It is crucial to correct any inaccurate data promptly to avoid any potential legal action. Having inaccurate information on both your records and my credit report is unacceptable, and I demand that it be removed immediately.\nXXXX XXXX XXXX\nPlease verify. - This is inaccurately reporting on my report.\nKindly be apprised that the provided XXXX  associated with XXXX  has been scrutinized and noted for potential deviations from the mandatory ethical and compliant reporting standards pertinent to the stated claim. It has come to attention that any variance from these established standards raises concerns about the credibility of the submitted data. Noteworthy indications have surfaced, suggesting possible discrepancies in adhering to the requisite certifiably compliant Metro 2 format Standard(s) for reporting. XXXX  - XXXX\nPlease verify. - This is inaccurately reporting on my report.\nKindly verify and confirm the accurate and compliant reporting of the mentioned XXXX XXXX XXXX. The alleged deviation from compliant reporting standards or potential factual discrepancies warrant a thorough certification of the undeniable accuracy, physical verification, completeness, timeliness, and adherence to regulatory requirements. If any aspect of the claim does not meet these criteria, please promptly remove it from the records. This includes strict adherence to the meticulously structured and comprehensive Metro 2 format for compliant reporting. Your immediate attention to this matter is appreciated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Obtaining information under false pretense. - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. I would like to bring to your attention the matter concerning the alleged XXXX  status of XXXX XXXX XXXX XXXX XXXX XXXX. It has come to my attention that you have provided a section of a credit report that specifically pertains to the mentioned account number. The report suggests that the account number is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data being reported. I must emphasize that there can be no deviation from the established standards for reporting data fields, including the account number, as indicated in the report.\nXXXX XXXX XXXX XXXX XXXX\nXXXX. Obtaining information under false pretense. - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken against your company for non-compliance with the relevant legal requirements. It is crucial for us to have accurate information from documentaries to avoid unforeseen complications in the future, which could have been preventable with proper care for accuracy over mere convenience.\nXXXX XXXX XXXX 15 USC 1681e(b) collections must be 100% accurate across all three bureaus - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isn't removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non\u0002compliance. I am profoundly disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which constitutes a significant deficiency. I demand the immediate deletion of this flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is imperative that we have comprehensive knowledge through accurate documentation to avoid being unprepared for potential future issues caused by preventable factors due to negligence towards accuracy in favor of convenience alone.\nXXXX XXXX XXXX 15 USC 1681e(b) collections must be 100% accurate across all three bureaus. - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isn't removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non\u0002compliance. I regret to express my disappointment regarding your failure to furnish comprehensive documentation substantiating your adherence to compliance reporting standards and relevant consumer laws. This glaring deficiency is of utmost concern. I hereby insist that this flawed and inaccurate report be expunged without delay, failing which, legal recourse shall be pursued against your company for its non-compliance with specific statutory requirements pertaining to these matters. It is imperative that we possess a thorough understanding of the content showcased in documentaries to safeguard against potential unforeseen issues that could have been averted had meticulous attention and conscientiousness been prioritized over mere convenience.\nXXXX XXXX XXXX XXXX  Obtaining information under false pretense. - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. I express my profound disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I demand the immediate deletion of the flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is crucial for us to have comprehensive knowledge through accurate documentation, ensuring we are well-prepared to address potential issues in the future. I, as a consumer, wish to express my apprehensions concerning your reporting procedures as delineated in this document. It is my conviction that your reporting falls short of comprehensive compliance with the stipulations set forth by both the Fair Credit Reporting Act (FCRA) and the Metro 2 compliance requisites. These regulations explicitly dictate the imperative of furnishing precise and punctual information to forestall any potential encroachment upon my rights. Sincerely, XXXX XXXX","date_sent_to_company":"2024-10-21T15:04:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"323XX","tags":null,"has_narrative":true,"complaint_id":"10521554","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-21T14:46:28.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The alleged deviation from compliant reporting standards or potential factual discrepancies warrant a thorough certification of the undeniable accuracy, <em>physical</em> verification, completeness, timeliness, and adherence to regulatory requirements. If any aspect of the claim does not meet these criteria, please promptly remove it from the records. This includes strict adherence to the meticulously structured and comprehensive <em>Metro</em> 2 <em>format</em> for compliant reporting."]},"sort":[15.3431425,"10521554"]},{"_index":"complaint-public-v1","_id":"8573796","_score":15.321016,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently, checked my credit report results back from Experian file report # XXXX. Experian did not resolve the issue at all. This account needs to be addressed immediately by a DELETION because it is still showing on my credit report as a Charged/off account as todays date this is my LAST ATTEMPT for a deletion due to violation of laws committed for XXXX account # XXXX. dated opened on XX/XX/XXXX. \n\nAccording to 15 U.S. Code 1666- Correction of billing errors ( 4 ) The Creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. Also, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct After having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.\n\nAs I know the original creditor didn't notify 21 days before with a statement so there should be no late payments for this account therefore, the original creditor sold and transferred my account to another lender and leaving my account in status of a charged off account. The law has been violated against my rights. According to 15 U.S. Code 1681a A consumer report does not include reporting containing information Soley as the transactional appearances as the consumer and the person making the report. It is affecting my credit scores and chances of obtaining credit! I have been denied for loans several times and approvals due to this law being illegally violated and not following state and federal guidelines. I have paid this account legally paid in full since the dates of XX/XX/XXXX. I have sent a dispute letter to Experian XXXX XXXX XXXX XXXX, Texas XXXX notarized and signed on dates of XX/XX/XXXX. I also sent a certified and notarized dispute letter to the original creditor before the account was illegally transfer and purchased from another lender on dates of XX/XX/XXXX XXXX and failed to respond and has failed to take action to this case. This account needs to be deleted off my credit report since I HAVE NO FURTHER obligation with any creditor debt anymore. It is only affecting my chances of obtaining credit. According to 15 U.S. Code 1666 ( b ) Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit card plan as a late for any purpose, unless the creditor reasonable procedures to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to another law that was violated since the beginning of this journey. According to 15 U.S. Code 6801 Protection of Nonpublic personal information it is the privacy policy of congress that each financial institution has affirmative and continue obligation to respect the privacy of its consumers and to protect the security confidentiality of those customers nonpublic personal information. The information given to the creditor says you have an ONGOING obligation to protect my information. Thats means I did not give permission to the creditor and therefore have violated my rights due to the fact it caused my account to be reported on status as charged off and purchased by another lender. That is an offense illegally they also committed because the law says to protect and NOT share. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it does not meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all your claims need to be accurate and reported in the format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ) Metro 2 I demand proof how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to reinvestigating these suspected claims on your end. I would also like for you to mail me a copy of your actions deleting the account XXXX  off my credit report. If any of these items appear still be on my credit report, please delete immediately! since the violation of several laws was committed and led this account to a charge off status purchased by another lender causing more : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all-illegal behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reportingly!\n\nCERTAINLY, YOU ARE AWARE THAT COMPLETE COMPLIANT REPORTING IS A MANDATE NOT AN OPTION, AS SUCH ANY DEROGATORY ACCUSATIONS ASSOCIATED WITH A NOT COMPLIANT ALLEGED ACCOUNT MOST DEFINITELY, IS NOT COMPLIANTLY REPORTING ITSELF IF NOT UNPROVEN TO BE TRUE, CORRECT, COMPLETE, TIMELY, MINE, OR MY RESPONSIBILITY. HERE I In this written letter is my formal request for you to bring my credit report into METRO-2 COMPLIANCE. I will take for granted that you are knowledgeable of the credit reporting laws ensuring that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none. Given your awareness, coupled with field trained knowledge, I am certain that you understand that a challenge to produce document demonstration in evidence to all claims of which you can not or will not adequately prove physically within the federally mandated timely fashion you are requisite to ANNUL any and all such challenged or disputed indicated misinformation immediately by DELETION of every single one even each any and all aspects of the unproven reported chicanery filled subterfuge. Every step is required to be taken to assure the information reported is completely compliant, true, complete, timely, and correct. You nor any entity has authority to retain or report any undocumented and or unproven adverse allegations or physically unverifiable or not validated claims of derogatory items ) of information, true or not.!\n\nDEROGATORY ACCUSATIONS HAS TO BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME. I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT UPDATE OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION.\n\nWould you ever so kindly, indulge me with the mandated presentations of your requisite actions to authenticate and avow corporeally to the absolute genuineness, accurateness, Alness, accordance, and adherence to every single one even each any and or all of the federally composed legislative documents as related to the now officially challenged allegations of account and or adverse notations therein of such claims. Drawing from my research and complete comprehension.\n\nYou nor any entity is permitted to keep any non-compliant information, particularly upon it being challenged so DELETE even right NOW or unequivocally avouch physically to every single one even each any or all of the excerpts, dated assignments, ledger balances, audited enumerations, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate affirm every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX account # XXXX Please supply information on how you have verified these items. \n\nProvide Physical Proof of Verification ... NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS AND COMPLIANCE TO METRO2 SO PROVE NOW OR THE CLAIM ANNUL/DELETE/REMOVE THE FOLLOWING UNPROVEN TO BE COMPLIANT UNVERIFIED AS TRUE ALLEGED FROM MY FILE.\n\nIn accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and deleted from my report. It is my understanding that you will contact the creditor responsible for these entries for verification purposes. \n\nPlease Delete/Remove any information that can not be verified by the creditor. I am aware that as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Please send a revised copy of my credit report to the aforementioned address.\n\nAccording to the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past six months regarding the corrections made. I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into 100 % complete Compliance. Have a wonderful Day. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-03-18T19:41:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95123","tags":null,"has_narrative":true,"complaint_id":"8573796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-18T19:41:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["OF THE MANDATED <em>METRO</em> 2 DATA <em>FORMATTED</em> REPORTING REGULATION STANDARDS."]},"sort":[15.321016,"8573796"]},{"_index":"complaint-public-v1","_id":"8574066","_score":15.283882,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently, checked my credit report results back from XXXX file report # XXXX. XXXX did not resolve the issue at all. This account needs to be addressed immediately by a DELETION because it is still showing on my credit report as a Charged/off account as todays date this is my LAST ATTEMPT for a deletion due to violation of laws committed for XXXX account # XXXX. dated opened on XX/XX/XXXX. \n\nAccording to 15 U.S. Code 1666- Correction of billing errors ( 4 ) The Creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. Also, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct After having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \n\nAs I know the original creditor didn't notify 21 days before with a statement so there should be no late payments for this account therefore, the original creditor sold and transferred my account to another lender and leaving my account in status of a charged off account. The law has been violated against my rights. According to 15 U.S. Code 1681a A consumer report does not include reporting containing information Soley as the transactional appearances as the consumer and the person making the report. It is affecting my credit scores and chances of obtaining credit! I have been denied for loans several times and approvals due to this law being illegally violated and not following state and federal guidelines. I have paid this account legally paid in full since the dates of XX/XX/XXXX. I have sent a dispute letter to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX notarized and signed on dates of XX/XX/XXXX. I also sent a certified and notarized dispute letter to the original creditor before the account was illegally transfer and purchased from another lender on dates of XX/XX/XXXX XXXX and failed to respond and has failed to take action to this case. This account needs to be deleted off my credit report since I HAVE NO FURTHER obligation with any creditor debt anymore. It is only affecting my chances of obtaining credit. According to 15 U.S. Code 1666 ( b ) Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit card plan as a late for any purpose, unless the creditor reasonable procedures to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to another law that was violated since the beginning of this journey. According to 15 U.S. Code 6801 Protection of Nonpublic personal information it is the privacy policy of congress that each financial institution has affirmative and continue obligation to respect the privacy of its consumers and to protect the security confidentiality of those customers nonpublic personal information. The information given to the creditor says you have an ONGOING obligation to protect my information. Thats means I did not give permission to the creditor and therefore have violated my rights due to the fact it caused my account to be reported on status as charged off and purchased by another lender. That is an offense illegally they also committed because the law says to protect and NOT share. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it does not meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all your claims need to be accurate and reported in the format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ) Metro 2 I demand proof how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to reinvestigating these suspected claims on your end. I would also like for you to mail me a copy of your actions deleting the account XXXX off my credit report. If any of these items appear still be on my credit report, please delete immediately! since the violation of several laws was committed and led this account to a charge off status purchased by another lender causing more : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all-illegal behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reportingly! \n\nCERTAINLY, YOU ARE AWARE THAT COMPLETE COMPLIANT REPORTING IS A MANDATE NOT AN OPTION, AS SUCH ANY DEROGATORY ACCUSATIONS ASSOCIATED WITH A NOT COMPLIANT ALLEGED ACCOUNT MOST DEFINITELY, IS NOT COMPLIANTLY REPORTING ITSELF IF NOT UNPROVEN TO BE TRUE, CORRECT, COMPLETE, TIMELY, MINE, OR MY RESPONSIBILITY. HERE I In this written letter is my formal request for you to bring my credit report into METRO-2 COMPLIANCE. I will take for granted that you are knowledgeable of the credit reporting laws ensuring that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none. Given your awareness, coupled with field trained knowledge, I am certain that you understand that a challenge to produce document demonstration in evidence to all claims of which you can not or will not adequately prove physically within the federally mandated timely fashion you are requisite to ANNUL any and all such challenged or disputed indicated misinformation immediately by DELETION of every single one even each any and all aspects of the unproven reported chicanery filled subterfuge. Every step is required to be taken to assure the information reported is completely compliant, true, complete, timely, and correct. You nor any entity has authority to retain or report any undocumented and or unproven adverse allegations or physically unverifiable or not validated claims of derogatory items ) of information, true or not.! \n\nDEROGATORY ACCUSATIONS HAS TO BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME. I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT UPDATE OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. \n\nWould you ever so kindly, indulge me with the mandated presentations of your requisite actions to authenticate and avow corporeally to the absolute genuineness, accurateness, Alness, accordance, and adherence to every single one even each any and or all of the federally composed legislative documents as related to the now officially challenged allegations of account and or adverse notations therein of such claims. Drawing from my research and complete comprehension. \n\n\n\nYou nor any entity is permitted to keep any non-compliant information, particularly upon it being challenged so DELETE even right NOW or unequivocally XXXX physically to every single one even each any or all of the excerpts, dated assignments, ledger balances, audited enumerations, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate affirm every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX account # XXXX Please supply information on how you have verified these items. \n\nProvide Physical Proof of Verification ... NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS AND COMPLIANCE TO METRO2 SO PROVE NOW OR THE CLAIM ANNUL/DELETE/REMOVE THE FOLLOWING UNPROVEN TO BE COMPLIANT UNVERIFIED AS TRUE ALLEGED FROM MY FILE. \n\n\nIn accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and deleted from my report. It is my understanding that you will contact the creditor responsible for these entries for verification purposes. \n\nPlease Delete/Remove any information that can not be verified by the creditor. I am aware that as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Please send a revised copy of my credit report to the aforementioned address. \n\n\nAccording to the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past six months regarding the corrections made. I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into 100 % complete Compliance. Have a wonderful Day. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-03-18T19:41:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95123","tags":null,"has_narrative":true,"complaint_id":"8574066","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-18T18:23:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["OF THE MANDATED <em>METRO</em> 2 DATA <em>FORMATTED</em> REPORTING REGULATION STANDARDS."]},"sort":[15.283882,"8574066"]},{"_index":"complaint-public-v1","_id":"13948822","_score":14.722145,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The deletion or blocking of accounts due to potential unauthorized inquiries is governed by FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts reported on my consumer credit report, which may stem from potential fraud or unauthorized activity. I request verifiable evidence bearing my signature or electronic signature. This letter represents my personal request, and I kindly ask for your thorough review. I do not recall authorizing these actions, which may constitute a violation of my consumer rights under the Fair Credit Reporting Act 's Section 604. I have already contacted the relevant companies and found that these actions appear to have been initiated without compliant validation or original proof from any of the reporting entities. \n\nListed below are the accounts that are being challenged : XXXX - XXXX Listed below are the collections that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX You report this revolving account as closed with a XXXX balance, yet you fail to meet Metro 2 compliance by providing incomplete and unverifiable data. The National Public Data breach exposed your failure to secure accurate information, violating FCRA 1681e ( b ) and 1681i. Why do you continue reporting unverifiable information that damages your consumers credit? Your willful noncompliance disregards federal law and consumer rights. DELETE this account immediately to comply with consumer protection laws and Metro 2 standards. \n\nXXXX, associated with XXXX : a discontinuance of reporting request is hereby submitted. We kindly request your formal attestation through documented evidence verifying the accuracy and validity of all stated information, including notations, dates, balances, compliance condition code ( XXXX ), and any relevant aspects pertaining to XXXX XXXX compliance segments and fields. Your prompt attention and confirmation of these details are greatly appreciated. \n\nAllow us to examine the reporting of Account XXXX XXXX : XXXX account within the report. It has come to our attention that there XXXX be an issue with the reported data, as it fails to align with the prescribed standards. It is essential to acknowledge that the accuracy of the data might be compromised due to its deviation from the mandated requirements. As you are aware, adherence to the XXXX XXXX standards necessitates the reporting of all data fields in full compliance. It is of utmost importance to emphasize that any deviation from these requirements is strictly prohibited. \n\nUpon my examination of Date Opened ( XXXX ) : XX/XX/year>, it is of utmost importance that you meticulously ensure the alignment of your records with industry standards to maintain impeccable accuracy. I am deeply concerned by the evident deviations from mandatory regulations and compliance guidelines pertaining to this account. It is apparent that an error has occurred ; therefore, I kindly request the immediate removal of this account. Prompt rectification is imperative to mitigate further repercussions. \n\nI have observed discrepancies in High Credit ( XXXX ) : {$270.00}, and I kindly request your attention to ensure that the information in your records aligns with industry standards for accuracy. It is surprising to note deviations from mandatory regulations and compliance guidelines pertaining to this account. It is imperative to address this matter promptly to rectify any errors and mitigate potential repercussions. I respectfully request the immediate review and correction of these discrepancies to prevent further consequences. \n\nThe reported XXXX XXXX ( XXXX ) : {$880.00} is inconsistent across the XXXX credit reporting agencies. This deviation from the required reporting standards has led me to contest the reporting of this claim, as the creditor must prove that their reporting practices fully comply with the Credit Reporting Industry 's Metro 2 Format standards. If they can not demonstrate compliance, their reporting may not meet the necessary requirements. \n\nI feel compelled to bring to your attention the presence of High Credit ( XXXX ) : {$28000.00} in the report, a matter that has left me deeply disappointed and frustrated. Regrettably, the data associated with this account seems to deviate significantly from the established reporting standards of the XXXX, reflecting a disconcerting level of inaccuracy and inconsistency. I respectfully urge an immediate and thorough reevaluation of this data to ascertain its authenticity, precision, timeliness, verification, and adherence to all requisite standards. Should these expectations not be met, I must insist on the prompt removal of my profile from the system. \n\nI would like to draw your attention to the presence of XXXX XXXX ( XXXX ) : {$4000.00} as highlighted in the report. Regrettably, the data pertaining to this account seems to deviate from the established reporting standards set forth by the XXXX, indicating potential inaccuracies or inconsistencies. Therefore, I kindly request you to thoroughly reassess the information and provide irrefutable evidence of its authenticity, accuracy, timeliness, verification, and compliance with all stipulated requirements. If these conditions can not be met, I must insist on the removal of my profile from the records. \n\nI would like to bring to your attention the matter concerning the alleged COFF status of XXXXXXXX XXXX - XXXX. It has come to my attention that you have provided a section of a credit report that specifically pertains to the mentioned account number. The report suggests that the account number is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data being reported. I must emphasize that there can be no deviation from the established standards for reporting data fields, including the account number, as indicated in the report. \n\nYou report this revolving credit card closed with a {$28000.00} balance, yet your data fails XXXX XXXX compliance and lacks accuracy. The XXXX XXXX XXXX breach exposes your willful noncompliance with FCRA XXXX ( b ) and XXXX. How can you justify reporting unverifiable information that harms your consumers credit and violates federal law? You have a legal duty to ensure accuracy and fairness. DELETE this item immediately to comply with consumer protection laws and restore accurate reporting. \n\nI regret to express my disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency necessitates the immediate deletion of the flawed report. Failure to comply may result in legal action for non-compliance with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications. \n\nThe reported Account XXXX ( XXXX ) : XXXX is not consistent across all credit reporting agencies. This deviation from standard reporting practices raises concerns about the accuracy and completeness of the reported information. It is imperative that all credit reporting agencies comply with regulatory mandates and ensure that reported information is valid and certifiably compliant. The reported deficiency in reporting sufficiency and non-compliance with regulatory mandates must be rectified. \n\nI am disputing inaccurate information on my consumer report that violates my rights under the Fair Credit Reporting Act ( FCRA ). Your failure to maintain accurate records and conduct a proper reinvestigation puts you in direct violation of federal law. \n\nCB/WOMNWTHN XXXX You report this revolving account as closed with a XXXX balance, yet you fail to meet XXXX XXXX XXXX by providing incomplete and unverifiable data. The XXXX XXXX XXXX breach exposed your failure to secure accurate information, violating FCRA XXXX ( b ) and XXXX. Why do you continue reporting unverifiable information that damages your consumers credit? Your willful noncompliance disregards federal law and consumer rights. DELETE this account immediately to comply with consumer protection laws and Metro 2 standards. \n\nXXXX XXXX XXXX This revolving account shows a {$15000.00} balance despite being closed. You violate FCRA 1681e ( b ), 1681i, and 623 by failing to maintain accurate and complete information. Metro 2 standards require precise reportingyou consistently ignore these rules. How do you justify reporting inaccurate balances that damage your consumers credit? The National Public Data breach exposes your lack of compliance and verification. DELETE this account immediately for willful noncompliance and repeated failure to meet federal consumer protection laws. \n\nXXXX XXXX You report this revolving credit card closed with a {$28000.00} balance, yet your data fails Metro 2 compliance and lacks accuracy. The National Public Data breach exposes your willful noncompliance with FCRA 1681e ( b ) and 1681i. How can you justify reporting unverifiable information that harms your consumers credit and violates federal law? You have a legal duty to ensure accuracy and fairness. DELETE this item immediately to comply with consumer protection laws and restore accurate reporting. \n\nXXXX XXXX XXXX This revolving account shows a {$5400.00} balance despite being closed. You violate FCRA 1681e ( b ), 1681i, and 623 by failing to maintain accurate and complete information. Metro 2 standards require precise reportingyou consistently ignore these rules. How do you justify reporting inaccurate balances that damage your consumers credit? The National Public Data breach exposes your lack of compliance and verification. DELETE this account immediately for willful noncompliance and repeated failure to meet federal consumer protection laws. \n\nXXXX XXXX XXXX XXXX report this revolving credit card closed with a {$4500.00} balance, yet your data fails Metro 2 compliance and lacks accuracy. The National Public Data breach exposes your willful noncompliance with FCRA 1681e ( b ) and 1681i. How can you justify reporting unverifiable information that harms your consumers credit and violates federal law? You have a legal duty to ensure accuracy and fairness. DELETE this item immediately to comply with consumer protection laws and restore accurate reporting.\n\nI am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of Metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims knownor that should be knownto be unlawful. \n\nI hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report. \n\nListed below are the accounts that are being challenged : XXXX - XXXX Listed below are the collections that are being challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX I am writing to formally dispute the accounts referenced above on my consumer credit report, which appear to have arisen as a result of potential fraud or unauthorized activity. I hereby request verifiable evidence bearing my signature or electronic signature. This letter is being sent on my behalf, and I kindly request your thorough consideration. These actions, undertaken without my authorization, may constitute a violation of my consumer rights as stipulated in the Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ].\n\nUpon my previous contact with the respective companies, it was indicated that these actions may have been initiated without proper validation or original proof from any of the reporting entities. I trust that you will address this matter with the utmost diligence and rectify the potential inaccuracies promptly. Your cooperation is greatly appreciated.\n\nI understand that form letters have been sent in response to consumer disputes and challenges, disregarding their specific information, which is illegal. Each case must be individually addressed. My letters were generated using widely available software. Failure to process them violates 15 U.S. Code 1681i. Processing can not be delayed based on third-party assumptions. I authored all letters with my name. Neglecting timely processing would be an intentional disregard of my consumer rights, prompting legal action.","date_sent_to_company":"2025-06-06T23:56:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30316","tags":null,"has_narrative":true,"complaint_id":"13948822","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-06T23:55:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This deviation from the required reporting standards has led me to contest the reporting of this claim, as the creditor must prove that their reporting practices fully comply with the Credit Reporting Industry 's <em>Metro</em> 2 <em>Format</em> standards. If they can not demonstrate <em>compliance</em>, their reporting may not meet the necessary requirements."]},"sort":[14.722145,"13948822"]},{"_index":"complaint-public-v1","_id":"13931624","_score":14.708405,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The deletion or blocking of accounts due to potential unauthorized inquiries is governed by FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts reported on my consumer credit report, which may stem from potential fraud or unauthorized activity. I request verifiable evidence bearing my signature or electronic signature. This letter represents my personal request, and I kindly ask for your thorough review. I do not recall authorizing these actions, which may constitute a violation of my consumer rights under the Fair Credit Reporting Act 's Section 604. I have already contacted the relevant companies and found that these actions appear to have been initiated without compliant validation or original proof from any of the reporting entities. \n\nListed below are the accounts that are being challenged : XXXX - XXXX Listed below are the collections that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX You report this revolving account as closed with a XXXX balance, yet you fail to meet Metro 2 compliance by providing incomplete and unverifiable data. The National Public Data breach exposed your failure to secure accurate information, violating FCRA 1681e ( b ) and 1681i. Why do you continue reporting unverifiable information that damages your consumers credit? Your willful noncompliance disregards federal law and consumer rights. DELETE this account immediately to comply with consumer protection laws and Metro 2 standards. \n\nXXXX, associated with XXXX : a discontinuance of reporting request is hereby submitted. We kindly request your formal attestation through documented evidence verifying the accuracy and validity of all stated information, including notations, dates, balances, compliance condition code ( XXXX ), and any relevant aspects pertaining to XXXX XXXX compliance segments and fields. Your prompt attention and confirmation of these details are greatly appreciated. \n\nAllow us to examine the reporting of Account XXXX XXXX : XXXX account within the report. It has come to our attention that there XXXX be an issue with the reported data, as it fails to align with the prescribed standards. It is essential to acknowledge that the accuracy of the data might be compromised due to its deviation from the mandated requirements. As you are aware, adherence to the XXXX XXXX standards necessitates the reporting of all data fields in full compliance. It is of utmost importance to emphasize that any deviation from these requirements is strictly prohibited. \n\nUpon my examination of Date Opened ( XXXX ) : XX/XX/year>, it is of utmost importance that you meticulously ensure the alignment of your records with industry standards to maintain impeccable accuracy. I am deeply concerned by the evident deviations from mandatory regulations and compliance guidelines pertaining to this account. It is apparent that an error has occurred ; therefore, I kindly request the immediate removal of this account. Prompt rectification is imperative to mitigate further repercussions. \n\nI have observed discrepancies in High Credit ( XXXX ) : {$270.00}, and I kindly request your attention to ensure that the information in your records aligns with industry standards for accuracy. It is surprising to note deviations from mandatory regulations and compliance guidelines pertaining to this account. It is imperative to address this matter promptly to rectify any errors and mitigate potential repercussions. I respectfully request the immediate review and correction of these discrepancies to prevent further consequences. \n\nThe reported XXXX XXXX ( XXXX ) : {$880.00} is inconsistent across the XXXX credit reporting agencies. This deviation from the required reporting standards has led me to contest the reporting of this claim, as the creditor must prove that their reporting practices fully comply with the Credit Reporting Industry 's Metro 2 Format standards. If they can not demonstrate compliance, their reporting may not meet the necessary requirements. \n\nI feel compelled to bring to your attention the presence of High Credit ( XXXX ) : {$28000.00} in the report, a matter that has left me deeply disappointed and frustrated. Regrettably, the data associated with this account seems to deviate significantly from the established reporting standards of the XXXX, reflecting a disconcerting level of inaccuracy and inconsistency. I respectfully urge an immediate and thorough reevaluation of this data to ascertain its authenticity, precision, timeliness, verification, and adherence to all requisite standards. Should these expectations not be met, I must insist on the prompt removal of my profile from the system. \n\nI would like to draw your attention to the presence of XXXX XXXX ( XXXX ) : {$4000.00} as highlighted in the report. Regrettably, the data pertaining to this account seems to deviate from the established reporting standards set forth by the XXXX, indicating potential inaccuracies or inconsistencies. Therefore, I kindly request you to thoroughly reassess the information and provide irrefutable evidence of its authenticity, accuracy, timeliness, verification, and compliance with all stipulated requirements. If these conditions can not be met, I must insist on the removal of my profile from the records. \n\nI would like to bring to your attention the matter concerning the alleged COFF status of XXXXXXXX XXXX - XXXX. It has come to my attention that you have provided a section of a credit report that specifically pertains to the mentioned account number. The report suggests that the account number is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data being reported. I must emphasize that there can be no deviation from the established standards for reporting data fields, including the account number, as indicated in the report. \n\nYou report this revolving credit card closed with a {$28000.00} balance, yet your data fails XXXX XXXX compliance and lacks accuracy. The XXXX XXXX XXXX breach exposes your willful noncompliance with FCRA XXXX ( b ) and XXXX. How can you justify reporting unverifiable information that harms your consumers credit and violates federal law? You have a legal duty to ensure accuracy and fairness. DELETE this item immediately to comply with consumer protection laws and restore accurate reporting. \n\nI regret to express my disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency necessitates the immediate deletion of the flawed report. Failure to comply may result in legal action for non-compliance with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications. \n\nThe reported Account XXXX ( XXXX ) : XXXX is not consistent across all credit reporting agencies. This deviation from standard reporting practices raises concerns about the accuracy and completeness of the reported information. It is imperative that all credit reporting agencies comply with regulatory mandates and ensure that reported information is valid and certifiably compliant. The reported deficiency in reporting sufficiency and non-compliance with regulatory mandates must be rectified. \n\nI am disputing inaccurate information on my consumer report that violates my rights under the Fair Credit Reporting Act ( FCRA ). Your failure to maintain accurate records and conduct a proper reinvestigation puts you in direct violation of federal law. \n\nCB/WOMNWTHN XXXX You report this revolving account as closed with a XXXX balance, yet you fail to meet XXXX XXXX XXXX by providing incomplete and unverifiable data. The XXXX XXXX XXXX breach exposed your failure to secure accurate information, violating FCRA XXXX ( b ) and XXXX. Why do you continue reporting unverifiable information that damages your consumers credit? Your willful noncompliance disregards federal law and consumer rights. DELETE this account immediately to comply with consumer protection laws and Metro 2 standards. \n\nXXXX XXXX XXXX This revolving account shows a {$15000.00} balance despite being closed. You violate FCRA 1681e ( b ), 1681i, and 623 by failing to maintain accurate and complete information. Metro 2 standards require precise reportingyou consistently ignore these rules. How do you justify reporting inaccurate balances that damage your consumers credit? The National Public Data breach exposes your lack of compliance and verification. DELETE this account immediately for willful noncompliance and repeated failure to meet federal consumer protection laws. \n\nXXXX XXXX You report this revolving credit card closed with a {$28000.00} balance, yet your data fails Metro 2 compliance and lacks accuracy. The National Public Data breach exposes your willful noncompliance with FCRA 1681e ( b ) and 1681i. How can you justify reporting unverifiable information that harms your consumers credit and violates federal law? You have a legal duty to ensure accuracy and fairness. DELETE this item immediately to comply with consumer protection laws and restore accurate reporting. \n\nXXXX XXXX XXXX This revolving account shows a {$5400.00} balance despite being closed. You violate FCRA 1681e ( b ), 1681i, and 623 by failing to maintain accurate and complete information. Metro 2 standards require precise reportingyou consistently ignore these rules. How do you justify reporting inaccurate balances that damage your consumers credit? The National Public Data breach exposes your lack of compliance and verification. DELETE this account immediately for willful noncompliance and repeated failure to meet federal consumer protection laws. \n\nXXXX XXXX XXXX XXXX report this revolving credit card closed with a {$4500.00} balance, yet your data fails Metro 2 compliance and lacks accuracy. The National Public Data breach exposes your willful noncompliance with FCRA 1681e ( b ) and 1681i. How can you justify reporting unverifiable information that harms your consumers credit and violates federal law? You have a legal duty to ensure accuracy and fairness. DELETE this item immediately to comply with consumer protection laws and restore accurate reporting.\n\nI am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of Metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims knownor that should be knownto be unlawful. \n\nI hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report. \n\nListed below are the accounts that are being challenged : XXXX - XXXX Listed below are the collections that are being challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX I am writing to formally dispute the accounts referenced above on my consumer credit report, which appear to have arisen as a result of potential fraud or unauthorized activity. I hereby request verifiable evidence bearing my signature or electronic signature. This letter is being sent on my behalf, and I kindly request your thorough consideration. These actions, undertaken without my authorization, may constitute a violation of my consumer rights as stipulated in the Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ].\n\nUpon my previous contact with the respective companies, it was indicated that these actions may have been initiated without proper validation or original proof from any of the reporting entities. I trust that you will address this matter with the utmost diligence and rectify the potential inaccuracies promptly. Your cooperation is greatly appreciated.\n\nI understand that form letters have been sent in response to consumer disputes and challenges, disregarding their specific information, which is illegal. Each case must be individually addressed. My letters were generated using widely available software. Failure to process them violates 15 U.S. Code 1681i. Processing can not be delayed based on third-party assumptions. I authored all letters with my name. Neglecting timely processing would be an intentional disregard of my consumer rights, prompting legal action.","date_sent_to_company":"2025-06-06T23:56:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30316","tags":null,"has_narrative":true,"complaint_id":"13931624","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-06T23:44:53.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This deviation from the required reporting standards has led me to contest the reporting of this claim, as the creditor must prove that their reporting practices fully comply with the Credit Reporting Industry 's <em>Metro</em> 2 <em>Format</em> standards. If they can not demonstrate <em>compliance</em>, their reporting may not meet the necessary requirements."]},"sort":[14.708405,"13931624"]},{"_index":"complaint-public-v1","_id":"8574826","_score":14.399843,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Request to Update Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that need to be addressed : one 30 day late payment and one 60 day late payment. \n\n1. Update the account as paid and never late off my credit report. \n\nAccount Number : XXXX Update as paid and never late for accounts XXXX XXXX XXXX from my credit report for these dates XXXX and XX/XX/XXXX one late payment of a 30 day for XXXX and one 60-day late payment for XX/XX/XXXX. \n\nI recently, checked my credit report and noticed a billing error under 15 U.S. Code1666 - Correction of billing errors. \n\n( 4 ) The Creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. Also the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( ii ) After having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \n\nAs I know the original creditor didn't notify 21 days before with a statement so there should be no late payments for this account therefore, the original creditor closed my account on one 30-day late payment and one 60-day late payment. It is affecting my credit scores and chances of obtaining credit! This account was opened on XX/XX/XXXX with Experian. However, there is also inaccurate dates when the account was also opened and being reported across all credit reports which is another inaccurate topic we can talk about. All my information should be reporting the same across all 3 bureaus. But I demand to see hard proof of the creditor for payments on this account showing that I was late for XXXX, and XXXX of a one 30-day XXXX late payment and one of a 60-day XXXX. late payment. I can prove that my XXXX  account checking debit card XXXX XXXX has always charged my payments on AUTOPAY and on time. My account # XXXX and routing # XXXX proof that the original creditor has always charged my autopayments on time but committed a billing error for those dates and left my account on a late payment status, of one of a 30 day and of a 60-day late payment. According to 15 U.S. Code 1666 ( b ) Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit card plan as a late for any purpose, unless the creditor reasonable procedures to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I would appreciate if you send me documentation that you will update all derogatory and inaccurate information from this account that is all I require. Otherwise, please provide me with your documentation showing that these payments were indeed late. All other previous months show long positive payment history since I opened the account with autopayments, but the creditor has failed to take my payment for those dates. There is inaccurate information being reported for dates of XXXX for one 30 day missed late payment and one 60 day missed late payment for XX/XX/XXXX. Please send me copies that you will update this account as paid and never late for those dates. As well as any all payment receipt documentation in you're possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as late. Pursuant to the above title section ( e ) ( 3 ) : I will expect a written reply within the required 30-day timeframe. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it does not meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all your claims need to be accurate and reported in the format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ) Metro 2 I demand proof how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to reinvestigating these suspected claims on your end. Update the account XXXX XXXX XXXX as paid and never late. You have 30 days to investigate this matter and confirm that it is being reported correctly or update/remove any late payments from my credit report. I also would like for you to mail me a copy of your actions and my updated paid and never late for those dates listed on my credit report. If any of these items appear to be false, please update/remove immediately! the late payments as paid and never late for XXXX and XX/XX/XXXX. \n\n\nRE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all-illegal behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! \n\n\nCERTAINLY, YOU ARE AWARE THAT COMPLETE COMPLIANT REPORTING IS A MANDATE NOT AN OPTION, AS SUCH ANY DEROGATORY ACCUSATIONS ASSOCIATED WITH A NOT COMPLIANT ALLEGED ACCOUNT MOST DEFINITELY, IS NOT COMPLIANTLY REPORTING ITSELF IF NOT UNPROVEN TO BE TRUE, CORRECT, COMPLETE, TIMELY, MINE, OR MY RESPONSIBILITY. HERE in this written letter is my formal request for you to bring my credit report into METRO-2 COMPLIANCE. I will take for granted that you are knowledgeable of the credit reporting laws ensuring that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none. Given your awareness, coupled with field trained knowledge, I am certain that you understand that a challenge to produce document demonstration in evidence to all claims of which you can not or will not adequately prove physically within the federally mandated timely fashion you are requisite to ANNUL any and all such challenged or disputed indicated misinformation immediately by UPDATE/CORRECT of every single one even each any and all aspects of the unproven reported chicanery filled subterfuge. Every step is required to be taken to assure the information reported is completely compliant, true, complete, timely, and correct. You nor any entity has authority to retain or report any undocumented and or unproven adverse allegations or physically unverifiable or not validated claims of derogatory items ) of information, true or not! \n\n\nDEROGATORY ACCUSATIONS HAS TO BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO UPDATE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME. I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. \n\n\nUNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT UPDATE OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. \n\n\nWould you ever so kindly, indulge me with the mandated presentations of your requisite actions to authenticate and avow corporeally to the absolute genuineness, accurateness, Alness, accordance, and adherence to every single one even each any and or all of the federally composed legislative documents as related to the now officially challenged allegations of account and or adverse notations therein of such claims. Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenged so UPDATE TODAY even right NOW or unequivocally avouch physically to every single one even each any or all of the excerpts, dated assignments, ledger balances, audited enumerations, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate affirm every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX XXXX account # XXXX Please supply information on how you have verified these items. \n\nProvide Physical Proof of Verification ... NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS AND COMPLIANCE TO METRO2 SO PROVE NOW OR UPDATE THE CLAIM ANNUL/UPDATE/REMOVE THE FOLLOWING UNPROVEN TO BE COMPLIANT UNVERIFIED AS TRUE ALLEGED FROM MY FILE. \n\nIn accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and deleted from my report. It is my understanding that you will contact the creditor responsible for these entries for verification purposes. Please Update/Paid and never late and any information that can not be verified by the creditor should be promptly updated as paid and never late. I am aware that as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Please send a revised copy of my credit report to the aforementioned address. According to the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past six months regarding the corrections made. \n\nI am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into 100 % complete Compliance. Have a wonderful Day Sincerely, XXXX XXXX","date_sent_to_company":"2024-03-18T18:11:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95116","tags":null,"has_narrative":true,"complaint_id":"8574826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-18T18:11:32.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["OF THE MANDATED <em>METRO</em> 2 DATA <em>FORMATTED</em> REPORTING REGULATION STANDARDS."]},"sort":[14.399843,"8574826"]},{"_index":"complaint-public-v1","_id":"8573525","_score":14.388571,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Request to Update Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that need to be addressed : XXXX 30 day late payment and one 60 day late payment. \n\n1. Update the account as paid and never late off my credit report. \n\nAccount Number : XXXX Update as paid and never late for accounts XXXX XXXX XXXX from my credit report for these dates XXXX and XX/XX/XXXX XXXX late payment of a 30 day for XXXX and one 60-day late payment for XX/XX/XXXX. \n\nI recently, checked my credit report and noticed a billing error under 15 U.S. Code1666 - Correction of billing errors. \n\n( 4 ) The Creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. Also the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( ii ) After having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \n\nAs I know the original creditor didn't notify 21 days before with a statement so there should be no late payments for this account therefore, the original creditor closed my account on one 30-day late payment and one 60-day late payment. It is affecting my credit scores and chances of obtaining credit! This account was opened on XX/XX/XXXX with XXXX. However, there is also inaccurate dates when the account was also opened and being reported across all credit reports which is another inaccurate topic we can talk about. All my information should be reporting the same across all 3 bureaus. But I demand to see hard proof of the creditor for payments on this account showing that I was late for XXXX, and XXXX of a one 30-day XXXX late payment and one of a 60-day XXXX. late payment. I can prove that my XXXX  account checking debit card XXXX XXXX has always charged my payments on AUTOPAY and on time. My account # XXXX and routing # XXXX proof that the original creditor has always charged my autopayments on time but committed a billing error for those dates and left my account on a late payment status, of one of a 30 day and of a 60-day late payment. According to 15 U.S. Code 1666 ( b ) Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit card plan as a late for any purpose, unless the creditor reasonable procedures to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I would appreciate if you send me documentation that you will update all derogatory and inaccurate information from this account that is all I require. Otherwise, please provide me with your documentation showing that these payments were indeed late. All other previous months show long positive payment history since I opened the account with autopayments, but the creditor has failed to take my payment for those dates. There is inaccurate information being reported for dates of XXXX for one 30 day missed late payment and one 60 day missed late payment for XX/XX/XXXX. Please send me copies that you will update this account as paid and never late for those dates. As well as any all payment receipt documentation in you're possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as late. Pursuant to the above title section ( e ) ( 3 ) : I will expect a written reply within the required 30-day timeframe. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it does not meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all your claims need to be accurate and reported in the format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ) Metro 2 I demand proof how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to reinvestigating these suspected claims on your end. Update the account XXXX XXXX XXXX as paid and never late. You have 30 days to investigate this matter and confirm that it is being reported correctly or update/remove any late payments from my credit report. I also would like for you to mail me a copy of your actions and my updated paid and never late for those dates listed on my credit report. If any of these items appear to be false, please update/remove immediately! the late payments as paid and never late for XXXX and XX/XX/XXXX. \n\n\nRE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all-illegal behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! \n\n\nCERTAINLY, YOU ARE AWARE THAT COMPLETE COMPLIANT REPORTING IS A MANDATE NOT AN OPTION, AS SUCH ANY DEROGATORY ACCUSATIONS ASSOCIATED WITH A NOT COMPLIANT ALLEGED ACCOUNT MOST DEFINITELY, IS NOT COMPLIANTLY REPORTING ITSELF IF NOT UNPROVEN TO BE TRUE, CORRECT, COMPLETE, TIMELY, MINE, OR MY RESPONSIBILITY. HERE in this written letter is my formal request for you to bring my credit report into METRO-2 COMPLIANCE. I will take for granted that you are knowledgeable of the credit reporting laws ensuring that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none. Given your awareness, coupled with field trained knowledge, I am certain that you understand that a challenge to produce document demonstration in evidence to all claims of which you can not or will not adequately prove physically within the federally mandated timely fashion you are requisite to ANNUL any and all such challenged or disputed indicated misinformation immediately by UPDATE/CORRECT of every single one even each any and all aspects of the unproven reported chicanery filled subterfuge. Every step is required to be taken to assure the information reported is completely compliant, true, complete, timely, and correct. You nor any entity has authority to retain or report any undocumented and or unproven adverse allegations or physically unverifiable or not validated claims of derogatory items ) of information, true or not! \n\n\nDEROGATORY ACCUSATIONS HAS TO BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO UPDATE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME. I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. \n\n\nUNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT UPDATE OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. \n\n\nWould you ever so kindly, indulge me with the mandated presentations of your requisite actions to authenticate and avow corporeally to the absolute genuineness, accurateness, Alness, accordance, and adherence to every single one even each any and or all of the federally composed legislative documents as related to the now officially challenged allegations of account and or adverse notations therein of such claims. Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenged so UPDATE TODAY even right NOW or unequivocally avouch physically to every single one even each any or all of the excerpts, dated assignments, ledger balances, audited enumerations, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate affirm every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX XXXX account # XXXX Please supply information on how you have verified these items. \n\nProvide Physical Proof of Verification ... NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS AND COMPLIANCE TO METRO2 SO PROVE NOW OR UPDATE THE CLAIM ANNUL/UPDATE/REMOVE THE FOLLOWING UNPROVEN TO BE COMPLIANT UNVERIFIED AS TRUE ALLEGED FROM MY FILE. \n\nIn accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and deleted from my report. It is my understanding that you will contact the creditor responsible for these entries for verification purposes. Please Update/Paid and never late and any information that can not be verified by the creditor should be promptly updated as paid and never late. I am aware that as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Please send a revised copy of my credit report to the aforementioned address. According to the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past six months regarding the corrections made. \n\nI am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into 100 % complete Compliance. Have a wonderful Day Sincerely, XXXX XXXX","date_sent_to_company":"2024-03-18T18:11:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95116","tags":null,"has_narrative":true,"complaint_id":"8573525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-18T18:11:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["OF THE MANDATED <em>METRO</em> 2 DATA <em>FORMATTED</em> REPORTING REGULATION STANDARDS."]},"sort":[14.388571,"8573525"]},{"_index":"complaint-public-v1","_id":"8107457","_score":14.143548,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX My name is XXXX XXXX. Please make sure you remove any name in your system which does not match the first and last names listed on this letter. CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your system must remove any address that does not match the one listed on this letter. XXXX - XXXX The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! When I scrutinized Date of Last Activity ( XXXX ) presenting XX/XX/XXXX I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by Metro 2. If I can't trust what's in my credit report, then there is no point to having XXXX at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! Viewing Account Description demonstrating Individual Account. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? Lets examine High Balance ( XXXX ) showing -. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. XXXX XXXX XXXX XXXX XXXX The content mentioned above was never certified to meet the reporting standards. The data provided was never verified, so it's possible that it's not accurate or up-to-date. I need documentation that confirms this data is in line with the reporting obligations and any consumer protection laws. If this information is inaccurate or incomplete, I demand that it be deleted immediately. I was looking at Last Payment ( XXXX ) expressing -. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! Upon inspecting Term Length ( XXXX ) exhibiting -. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. Upon inspecting Creditor Remarks ( XXXX ) exhibiting CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS CHARGED OFF ACCOUNT. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information Lets examine Date of Last Activity ( XXXX ) showing XX/XX/XXXX The proof is in the pudding. I challenge you to show that your process for reporting and formatting accounts into Metro 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them? XXXX XXXX XXXX XXXX 'm disappointed that you have failed to provide documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards these matters - it's very important we know what kind documentaries can show us so we don't get caught flat-footed when things go south later down the road due an issue which may have been preventable had there only ever been XXXX shred left behind by those who knew better but chose not care enough about accuracy over convenience alone ( you ). When I scrutinized Credit Limit ( XXXX ) presenting {$3700.00}. The information reported doesn't seem to meet the standards set by Metro 2 guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. Upon inspecting Date Reported ( - ) exhibiting XX/XX/XXXX. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from Metro 2 standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. I want to bring to your attention Payment Amount ( XXXX ) reporting {$0.00} The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! When I scrutinized Account Description presenting Individual Account. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards Upon inspecting Account # ( XXXX ) exhibiting XXXX. I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the XXXX, so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % Viewing High Balance ( XXXX ) demonstrating- is deviating from applicable compliance standards! It is imperative that the data within my credit report is accurately reported, which can be accomplished only if there's no deviation from what's required for compliance reporting! If data reporting isn't done correctly or taken seriously then we might see less integrity of said reports as they will lack XXXX or more essential components needed to make them believable and reliable. If the data in my reports is inaccurate that may negatively impact my credit score and my ability to obtain financing in the future. XXXXXXXX XXXX XXXX XXXXXXXX I am extremely disappointed that the information you have provided is not accurate and does not meet the minimum standards for credit reporting. I demand that this be fixed immediately or else I will take legal action. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. Lets take a look at Credit Limit ( XXXX ) reporting {$8700.00}. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report When I scrutinized Account Type ( XXXX ) presenting Revolving This account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! I want to bring to your attention Date Reported ( - ) reporting XX/XX/XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! XXXX XXXX XXXX XXXX XXXXXXXX The information above was never confirmed to be in compliance with proper reporting standards. The information is deficient and I demand that it be removed immediately. Viewing Creditor Remarks ( XXXX ) demonstrating CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately! Lets examine Last Payment ( XXXX ) showing - I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove that all information for this particular account has been verified. Bring to your attention Credit Limit XXXX XXXX ) reporting - What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! I was looking at Payment Status ( XXXX ) expressing Charge-off. The accuracy of what youre reporting for this account is in question, and as such I demand that it be fixed immediately or else there will be legal action taken against you. Viewing Date Reported ( - ) demonstrating XX/XX/XXXX. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation? Viewing High Balance ( XXXX ) demonstrating -. There are some aspects of this account that I am having trouble understanding because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? XXXX XXXX - XXXX The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately, as it is deficient. Lets examine Credit Limit ( XXXX ) showing - Compliance with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! Upon inspecting XXXX  Year Payment History exhibiting OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions. Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself! Upon inspecting Balance Owed ( XXXX ) exhibiting {$160.00}. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Your information is not accurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. I want to bring to your attention Payment Status ( XXXX ) reporting -. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. I was looking at Last Payment ( XXXX ) expressing -. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately. Lets examine High Balance ( XXXX ) showing {$6900.00} Metro 2 requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! I was looking at Date Opened ( XXXX ) expressing XX/XX/XXXX We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! I want to bring to your attention Credit Limit XXXX XXXX ) reporting -. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? Viewing Date Reported ( - ) demonstrating XX/XX/XXXX The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards. Inquiries XXXX XX/XX/XXXX Equifax I was shocked to find an alleged hard inquiry on my credit report. As you know, this is not something that should have been reported and if so then why did they let it happen? The Fair Credit Reporting Act states no one may access your information without permission from YOU first! If you can't provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, then delete the alleged inquiries immediately. XXXX XX/XX/XXXX Equifax I am writing to formally request that the credit inquiries listed here be deleted from my credit report. I have not authorized any of the companies listed to view my credit history, and as such, the inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if you could remove them immediately. XXXX XX/XX/XXXX Equifax I noticed some unauthorized credit inquiries on my credit report and I'm concerned that my privacy rights have been violated. I did not authorize anyone at these companies to make an inquiry into my credit report and I would like you to investigate this and provide me with any documentation you have with my signature. If these inquiries are found to be fraudulent, I would like them to be immediately deleted from my credit file. According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! Please send your written response to my address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.","date_sent_to_company":"2024-01-04T17:39:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8107457","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-04T17:36:40.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["As I know, You must always report all fields in <em>compliance</em> with <em>Metro</em> 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information Lets examine Date of Last Activity ( XXXX ) showing XX/XX/XXXX The proof is in the pudding. I challenge you to show that your process for reporting and <em>formatting</em> accounts into <em>Metro</em> 2 files meets all of these guidelines!"]},"sort":[14.143548,"8107457"]},{"_index":"complaint-public-v1","_id":"4761030","_score":14.011559,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA, XXXX Date of birth : XXXX RE : REQUEST TO make justifiable corrections or removals of unverifiable or invalid allegations of account information so to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy, and compliance else wise of every single one even each any and or all of the aspects of alleged account information documentarily to be proven mine so to further enhance your adequate and mandated compliance to proper and fair reporting. \nTo whom it might concern, NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIMS. This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The account ( s ) in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. Under the Fair Credit Reporting Act, 15 U.S.C.? S 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.\n\nUnder the FCRA 15 U.S.C.? S 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted. Therefore, if you are unable to provide me with a copy of the verifiable and irrefutable proof that you have on file for everyone even each any and or all of the adverse accounts listed below NO LATER than 30 days of receipt of this complaint challenging your compliance to true accurate and complete timely reporting then you must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of subterfuge from my credit report. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSE WISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT DELETION OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. \nI demand the following accounts be properly verified of Metro 2 COMPLIANCE, as REQUIRED! PROVE OR DELETE IMMEDIATELY! \nName of ALLEGED Account : Alleged Account Number : Provide Physical Proof of Verification or Please DELETE IMMEDIATELY!! \nXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX Data Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : 0.00, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : 0.00, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly.EALL XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Payment : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. \nPlease provide me with a copy of an updated and corrected credit report showing these items removed. \nThank You, XXXX XXXX","date_sent_to_company":"2021-09-28T20:03:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"4761030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2021-09-28T19:29:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["OF THE MANDATED <em>METRO</em> 2 DATA <em>FORMATTED</em> REPORTING REGULATION STANDARDS."]},"sort":[14.011559,"4761030"]},{"_index":"complaint-public-v1","_id":"4795996","_score":14.004702,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Date of birth : XXXX RE : REQUEST TO make justifiable corrections or removals of unverifiable or invalid allegations of account information so to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy, and compliance else wise of every single one even each any and or all of the aspects of alleged account information documentarily to be proven mine so to further enhance your adequate and mandated compliance to proper and fair reporting. To whom it might concern, NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIMS. This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The account ( s ) in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. Under the Fair Credit Reporting Act, 15 U.S.C.? S 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C.? S 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted. Therefore, if you are unable to provide me with a copy of the verifiable and irrefutable proof that you have on file for everyone even each any and or all of the adverse accounts listed below NO LATER than 30 days of receipt of this complaint challenging your compliance to true accurate and complete timely reporting then you must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of subterfuge from my credit report. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSE WISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT DELETION OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. I demand the following accounts be properly verified of Metro 2 COMPLIANCE, as REQUIRED! PROVE OR DELETE IMMEDIATELY! Name of ALLEGED Account : Alleged Account Number : Provide Physical Proof of Verification or Please DELETE IMMEDIATELY!! XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly.EXXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Payment : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. Please provide me with a copy of an updated and corrected credit report showing these items removed. Thank You, XXXX XXXX","date_sent_to_company":"2021-10-11T20:13:42.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"4795996","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Verisk Analytics Inc","date_received":"2021-10-11T20:05:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["OF THE MANDATED <em>METRO</em> 2 DATA <em>FORMATTED</em> REPORTING REGULATION STANDARDS."]},"sort":[14.004702,"4795996"]},{"_index":"complaint-public-v1","_id":"16722744","_score":11.409153,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Inaccurate/Unverifiable Reporting, Mixed-File Elements, and Permissible-Purpose Certification for Inquiries Demand for Reinvestigation under FCRA 611 and Compliance with 607 ( b ), 604, 605 ( a ), 623, and GLBA TransUnion, I am disputing the items below as inaccurate, incomplete, inconsistent across bureaus, obsolete, or otherwise not in compliance with the FCRA and XXXX. This is a formal request for reinvestigation under 15 U.S.C. 1681i ( FCRA 611 ) and a demand that you maintain maximum possible accuracy under 1681e ( b ) ( FCRA 607 ( b ) ). For each item, you must conduct an independent reinvestigation ( see Cushman v. TransUnion, 115 F.3d 220 ) and obtain primary source records ( statements/ledgers showing due dates, receipt, posting, and aging logic ) mere codes are not proof. If unverifiable to that standard, delete the item or the entire tradeline and send me written results plus the method of verification and the furnisher contact you used. \nXXXX ) Personal Information ( mixed/variant data remove/correct ) Name variants : Report lists XXXX XXXX XXXX ( XXXX XXXX while other bureaus use XXXX XXXX. Remove any incomplete/incorrect AKAs not supplied by me. \nAddress variance : TU  shows XXXX XXXX while my correct mailable address is XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. Correct the full address format and XXXX. \nEmployers : XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) are outdated and not relevant to present credit risk. Remove obsolete employer entries. \nLegal basis : FCRA 607 ( b ) ( maximum possible accuracy ) ; 611 ( a ) ( 1 ) ( A ) ( reinvestigation ). \nXXXX ) Mortgage Tradelines Status/remark conflicts and cross-bureau inconsistencies A ) XXXX XXXX  ( Acct ending XXXX ) TU : Closed due to refinance ( XX/XX/XXXX ), current ; XXXX  shows Paid/Closed ; XXXX wrongly shows Open/Current and Consumer disputes reinvestigation in progress. TU must align with verifiable furnisher records and flag the cross-bureau inconsistency. If records dont reconcile, suppress conflicting fields and demand furnisher correction. \nB ) XXXX XXXX  ( Acct ending XXXX ) TU : Closed/Transferred ( XX/XX/XXXX ) with heavy historic late buckets noted in XXXX ; XXXX show Open/Current plus XXXX  shows an active dispute flag. A tradeline can not simultaneously be closed/ transferred and open/current. Demand uniform, evidence-based status with accurate DoLA/DoFD and remarks. If the furnisher can not produce primary statements/transfer documents, delete. \nLegal basis : FCRA 607 ( b ), 611 ( a ) ; duties of furnishers under 623 ( a ) ( 1 ) ( A ) and 623 ( b ) to correct and update ; Metro-2 : base segment fields for Account Status, Payment Rating, Compliance Condition ( dispute codes ), Special Comment/Remarks, Date of First Delinquency ( K ) must be consistent. \nXXXX ) Revolving/Charge-Off Tradelines remark/status conflicts ; potential re-aging A ) XXXX XXXX XXXXXXXX ) TU shows Collection/Chargeoff ; Payment after chargeoff ; Settled < full ; XXXX  shows Late XXXX  Days ; legally paid in full for less than full ; XXXX  shows Derogatory ; Paid charge-off ; Settlement accepted. Conflicting statuses/remarks and progression increase risk of re-aging if dates/amounts dont reconcile. Provide full ledger and DoFD ; if you or the furnisher can not substantiate, delete. \nXXXX ) XXXX  XXXX ( XXXX ) TU : Payment after chargeoff ; Dispute resolved; reported by grantor ; XXXX : Account was in dispute now resolved ; Unpaid loss ; Legally paid in full < full ; XXXX  : Settlement accepted. These are mutually inconsistent outcomes for a single account. Provide the actual settlement letter/transaction and XXXX  ; otherwise delete. \nC ) XXXX ( XXXX ) Appears only on XXXX  as a derogatory charge-off with late buckets into XXXX though origination was XXXX. XXXX shows no tradeline ; cross-bureau asymmetry requires proof that reporting meets XXXX obsolescence rules under 605 ( a ) and that late-bucket aging is tied to a single, original DoFD with no improper re-aging. If not, delete. \nLegal basis : FCRA 605 ( a ) ( obsolescence ), 607 ( b ), 611 ; 623 ( a ) ( 2 ) duty to update/correct ; XXXX XXXX XXXX XXXX Payment History Profile, Compliance Condition Codes, Special Comment must align. \nXXXX ) Auto Loan dispute-flag remnants and late buckets XXXX XXXX XXXX ( XXXX ) TU remark : Dispute resolved; reported by XXXX with XXXX lates in the XXXX history. Provide ledger ( due date vs. posting/receipt ) for each alleged late ; remove any residual dispute codes and any unsubstantiated lates. If not verified by primary records, delete lates or the entire tradeline. \nXXXX ) Authorized-User / Third-Party Accounts XXXX ( Authorized User ) Ensure this XXXX  line does not factor adverse history and that XXXX Consumer Information Indicator reflects XXXX status accurately with no late attribution to me. Remove if the furnisher can not certify permissible, authorized reporting. \nXXXX ) Inquiries certification of permissible purpose ( FCRA 604 ) XXXX XX/XX/XXXX ( TU ) XXXX XX/XX/XXXX ( XXXX  ) ( listed here for completeness across bureaus ) Provide the exact permissible-purpose category under 604 ( a ) ( 3 ), the application/transaction tying my written instruction or a firm credit offer ( if a soft prescreen ), and the source of my data. If you can not certify permissible purpose with documentary evidence, delete the inquiry and send written confirmation. \nXXXX ) Data-Breach & Security Demands ( GLBA & FCRA ) Given ongoing industry-wide data incidents, I demand : A statement whether my file or any data used to furnish these tradelines was impacted by any security incident or breach, and if so, the date, data elements, impacted furnisher, and remediation ; The source of any non-traditional/self-reported utility/insurance data and your legal basis to include it ( provide the furnisher contracts and XXXX/industry format used ) ; Immediate suppression of any data reasonably believed to be compromised, per your duties to ensure accuracy and protect consumer information ( FCRA 607 ( b ) ; XXXX  XXXX administrative, technical, and physical safeguards ).","date_sent_to_company":"2025-10-21T14:49:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"16722744","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-21T14:44:49.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If you can not certify permissible purpose with <em>documentary</em> evidence, delete the inquiry and send written confirmation."]},"sort":[11.409153,"16722744"]},{"_index":"complaint-public-v1","_id":"8688486","_score":11.3572035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. \nThe data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately. \nBelow is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX - My only name is XXXX XXXX. Please remove any other name you may have for me. \nCURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX - XXXX only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. Please make sure you remove any address in your system which does not match the address listed on this letter. \nXXXX XXXX XXXX XXXX XXXX  TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Revolving Balance Owed : XXXX {$7900.00} Credit Limit : XXXX {$9500.00} Creditor Remarks : XXXX Charged off as bad debt Dispute resolved; customer disagrees Creditor Type : - Credit Card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX Balance XXXX XXXX {$9500.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$7900.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX The information above was never certified to meet any reporting standards. The data is incomplete, unsupported, and may be inaccurate. I demand that this information be deleted. \nAlso, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Ive highlighted and circled additional areas of concern. \nBring to your attention Balance Owed XXXX XXXX ) reporting {$7900.00} I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. \nI was looking at Payment Amount ( XXXX ) expressing {$0.00}. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately. \nViewing Account Description demonstrating Individual. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately! \nLets examine Account Type ( XXXX ) showing Revolving I challenge you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so then clearly my credit report which relies on accurate information will also not be accurate! \nXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - XXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Collection Balance Owed : XXXX {$380.00} Credit Limit : XXXX - Creditor Remarks : XXXX Account information disputed by consumer, meets FCRA requirements Creditor Type : - Collection Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$380.00} Last Payment : XXXX - Past Due Amount : XXXX - Payment Amount : XXXX - Payment Status : XXXX Collection/Chargeoff Term Length : XXXX - The information above has not been verified to meet reporting standards. The data provided is not complete, accurate, or up-to-date, and I demand that it be corrected. \nPage XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Also, see the image above for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nI was looking at Account Status ( XXXX ) expressing Derogatory. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! \nI was looking at Account # ( XXXX ) expressing XXXX The data on this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove to me that everything is true, accurate, consistent etcetera! If unable then remove my profile immediately- please do not hesitate in removing accounts which do not meet these requirements I was looking at Account Type ( XXXX ) expressing Collection We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! \nViewing Creditor Remarks ( XXXX ) demonstrating Account information disputed by consumer, meets FCRA requirements. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about XXXX  requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! \nLets examine Creditor Type ( - ) showing Collection. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. \nUpon inspecting Past Due Amount ( XXXX ) exhibiting -. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account. \nXXXX XXXX XXXX XXXX XXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Installment Balance Owed : XXXX {$34000.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Charged off as bad debt Dispute resolved; customer disagrees Creditor Type : - Debt consolidation Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$29000.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$34000.00} Payment Amount : XXXX {$0.00} Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : XXXX Collection/Chargeoff Term Length : XXXX XXXX The information provided above has not been certified to meet any reporting standards. The data is not complete, accurate, or up-to-date, and no evidence has been supplied to confirm compliance with any consumer protection laws. I demand that this information be deleted immediately. \nAlso, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nLets examine Credit Limit ( XXXX ) showing {$0.00} Compliance with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! \nWhen I scrutinized High Balance ( XXXX ) presenting {$29000.00} XXXX noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards s\n\net by Metro 2. If I can't trust what's in my credit report, then there is no point to having one at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! Lets examine 2 Year Payment History showing The proof is in the pudding. I challenge you to show that your process for reporting and formatting accounts into Metro 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them? \nXXXX XXXX - XXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Revolving Balance Owed : XXXX {$2400.00} Credit Limit : XXXX {$2000.00} Creditor Remarks : XXXX Charged off as bad debt Canceled by credit grantor Creditor Type : - Credit Card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$2400.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$2400.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX The information provided above has not been certified to meet reporting standards and should be considered suspect. Any wrong, incomplete, or unsupported material should be deleted immediately. \nAlso, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nPage XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX When I scrutinized Payment Status ( XXXX ) presenting Collection/Chargeoff This account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! \nI want to bring to your attention Date Opened ( XXXX ) reporting XX/XX/XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! \nViewing Creditor Remarks ( XXXX ) demonstrating Charged off as bad debt Canceled by credit grantor. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? \nUpon inspecting High Balance ( XXXX ) exhibiting {$2400.00}. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. \nBring to your attention Date of Last Activity ( XXXX ) reporting XX/XX/XXXX What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! \nXXXX XXXX - XXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Installment Balance Owed : XXXX {$2400.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Charged XXXX XXXX bad debt Profit and loss write-off Creditor Type : - Auto Loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$11000.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$2400.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX I'm disappointed that you have failed to provide documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards these matters - it's very important we know what kind documentaries can show us so we don't get caught flat-footed when things go south later down the road due an issue which may have been preventable had there only ever been one shred left behind by those who knew better but chose not care enough about accuracy over convenience alone ( you ). \nPage XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nWhen I scrutinized Past Due Amount ( XXXX ) presenting {$2400.00}. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliant Lets examine Term Length ( XXXX ) showing XXXX. That's not quite right. What is your current level of compliance with XXXX  standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of XXXX reporting requirements or remove my information from this account immediately! \nUpon inspecting Account Status ( XXXX ) exhibiting Derogatory. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. \nI want to bring to your attention Balance Owed ( XXXX ) reporting {$2400.00}. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. \nViewing Account Type ( XXXX ) demonstrating Installment. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation? \nXXXXXXXX XXXX XXXX XXXXXXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Revolving Balance Owed : XXXX {$4500.00} Credit Limit : XXXX {$3700.00} Creditor Remarks : XXXX Charged XXXX XXXX bad debt Canceled by credit grantor Creditor Type : - Credit Card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$4500.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$4500.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX It's very important that your company complies with all applicable consumer laws and reporting standards. I am disappointed that you have failed to provide any documentation to prove compliance. If this report is not deleted immediately, legal action will be taken against your company. \nPage XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Also, see the image above for XXXX CARD ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nLets take a look at Past Due Amount ( XXXX ) reporting {$4500.00}. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report Upon inspecting Payment Status ( XXXX ) exhibiting Collection/Chargeoff. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! \nI want to bring to your attention Date Reported ( - ) reporting XX/XX/XXXX The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! \nInquiries XXXX XXXX XXXXXX/XX/XXXX TransUnion .I 'm not happy with this! I received my credit report from you, and there are some companies on here that I don't recognize. It looks like they put an inquiry on my file without me knowing- but I shouldn't have to deal with this unless it was something approved by me first. The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act in order to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report. \nXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion This is not right! I received a credit report from you and there are some companies that i'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first!! U S Code 15 USC 1681 ES Seg Section 604 states all users must have a permitted purpose under fair reporting act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report Respectfully You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX Please send your written response to my address of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. \nPage XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page XXXX of XXXX","date_sent_to_company":"2024-04-05T06:21:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8688486","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-05T06:17:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I challenge you to show that your process for reporting and <em>formatting</em> accounts into <em>Metro</em> 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them?"]},"sort":[11.3572035,"8688486"]},{"_index":"complaint-public-v1","_id":"11390557","_score":10.42679,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am hereby contesting the accuracy of any information contained within my credit report that lacks substantiated evidence. This pertains particularly to unproven claims, such as allegations of delinquency and derogatoriness. My action is aligned with the provisions set forth in the Fair Credit Reporting Act ( FCRA ) and adheres to the recognized industry standard for Metro 2 data field reporting. I emphasize that, in accordance with federal and state laws, it is imperative that all allegations are reported accurately and comprehensively. Reporting claims that contravene established laws and regulations is not only inaccurate but also unjust.\n\nI write to formally notify you of the necessity to ensure the factual and accurate reporting of all claims, as mandated by the Metro 2 reporting standard. I kindly request that you furnish tangible, verifiable evidence substantiating the existence of the account and its lawful usage. Should such evidence not be forthcoming, I insist on the removal of said account from my credit report. In accordance with this request, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. Your prompt attention to this matter is greatly appreciated. \nListed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX FL XXXXXXXX Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX the Inquiries that are XXXX challenged PFS - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX The following personal information is incorrect- The personal data reporting is inaccurate. \n\nIncorrect Name : - XXXX XXXX XXXX I wish to draw your attention to the imperative of maintaining current records within your organization. It is with a sense of disappointment and concern that I have observed the presence of names in your system that do not align with the personal information I have expressly provided in this communication. As a result, I kindly request the immediate rectification of any such discrepancies to ensure the precision and integrity of your database. It is of utmost importance that the information you possess accurately reflects my identity, which consists solely of the name XXXX XXXX XXXX. Your prompt attention to resolving this matter is sincerely appreciated, as it will prevent any further inconvenience or dissatisfaction. \n\nIncorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. \n\nIncorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am writing to respectfully request that you take action to remove a specific address from my credit file. This address is no longer my place of residence, and it is not deliverable by the United States Postal Service. I am concerned that the inclusion of this address in my credit file may leave me vulnerable to identity fraud, and as such, I urge you to take immediate steps to remove it. Additionally, I wish to clarify that I have never resided at this address and that the personal information associated with it is either incomplete or inaccurate. Therefore, I kindly request that you delete this address from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ). I trust that you will take this matter seriously and handle it with the necessary urgency and care. \n\nIncorrect DOB : - XXXX The following personal information is incorrect - The personal data reporting is inaccurate. \n\nIncorrect DOB : - XXXX I hereby bring to your notice an error within the documented report. I am eager to gain insight into your viewpoint on this issue. I respectfully urge you to undertake the task of verifying the accuracy of my credit report and reporting protocols. Should you be unable to do so, it would indicate that the data regarding my profile is in error, as it does not conform to the established Metro 2 standards.\n\nIncorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. \n\nKindly note that the sole address I can provide is XXXX XXXX XXXX, situated in XXXX, fl, with the postal code XXXX. Should you possess any records of alternative addresses within your system that do not correspond to the aforementioned details, I kindly request their immediate removal. This action will ensure the accuracy of the database in relation to my personal information. \n\nXXXX XXXX XXXX - XXXX This account is inaccuarately reporting late payments on multiple bureaus. The discrepancies in the payment status across Equifax, XXXX, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also displays inconsistency in reporting activity dates. - I have not received any documentation validating the legitimacy of this debt or confirming the details reported. Under FCRA 15 USC 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted from my report. If the credit bureau can not substantiate this account 's accuracy, I expect to be removed immediately I am writing to express my profound dissatisfaction with the current state of the information pertaining to XXXX XXXX XXXX and XXXX within your database. It is disheartening to note that the provided data lacks currency and fails to adhere to the essential benchmarks of accuracy. I implore you to address this matter with the utmost urgency. Failure to rectify this situation in a timely manner may leave me with no choice but to pursue legal recourse. It is imperative to emphasize that erroneous and flawed data should have no bearing within your esteemed database or on my credit report. Consequently, I earnestly request the immediate deletion of said information. \n\nXXXX XXXX XXXX XXXX - XXXX This account is inaccurately reporting late payments on multiple bureaus. The discrepancies in the payment status Equifax, XXXX, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also display inconsistency in reporting activity date. - This is paid as agreed and should not be reporting negatively on my report. I am disputing the accuracy of this account under 15 USC 1681i. Please update the late payments to \" Paid as agreed, never late, '' in accordance with 15 USC 1681e ( b ). The account must be corrected across all three bureaus, or it should be removed due to incomplete and inaccurate reporting. Failure to correct these discrepancies violates 15 USC 1681i ( 5 ). If the issues are not resolved, the account should be deleted.\n\nThe information provided above does not appear to meet any certified reporting standards and may be unreliable. I kindly request that any incorrect, incomplete, or unsupported material be removed from the record. \n\nFurthermore, I would like to draw your attention to the image above for XXXX XXXX  XXXX XXXX - XXXX which highlights additional areas of concern that need to be addressed. \n\nXXXX  - XXXX Let me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. 1681b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. - I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. 1681i ( a ). \n\nXXXX - XXXX The purported delinquency and derogatory information mentioned above lack the essential and legally required documentary evidence substantiating the current certifiably accurate reporting of negative items, which must also be physically verified, confirmed, and irrefutably true, correct, timely, and sufficiently complete. Due to these deficiencies, I respectfully request the immediate and complete removal of all aspects of the alleged negativity from my account, in order to restore and uphold the ethical and lawful standards mandated for consumer credit reporting practices. \n\nXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The account is listed as \" closed '' by Equifax and XXXX, but \" open '' by XXXX. The inconsistency in reporting violates FCRA 15 USC 1681e ( b ), which mandates that credit bureaus report only accurate and consistent informartion. - This is account is inaccurately reporting late payments, and discrepancies in reporting the across bureaus violate 15 USC 1681e ( b ), which mandates maximum possible accuracy in consumer reports. The \" Late Pay '' issue reflects inconsistent data between Equifax, XXXX, and XXXX, which is legally required to be fully accurate and consistent. \n\nKindly be advised that the provided details, denoted as XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, seem to exhibit apparent inconsistencies with the mandatory standards set for ethical and compliant assertion of this particular claim. In accordance with CDIA guidelines, any divergence from the established standard raises concerns regarding the credibility of the asserted data. Observable cues suggest the presence of plausible irregularities in adhering to the essential Metro 2 format Standard ( s ) for accurate reporting.\n\nXXXX - XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The \" Late Pay '' and \" Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.\n\nI am profoundly disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which constitutes a significant deficiency. I demand the immediate deletion of this flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is imperative that we have comprehensive knowledge through accurate documentation to avoid being unprepared for potential future issues caused by preventable factors due to negligence towards accuracy in favor of convenience alone. \n\nXXXXXXXX XXXX XXXX  XXXX a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and unverifiable information listed on my credit report for the account identified as XXXX XXXX, with the account number XXXX XXXX This account is being reported incorrectly, and I demand immediate correction or removal.The reported information is inaccurate and does not comply with the standards outlined by the FCRA. Specifically : 1. The balance of {$15000.00}, marked as past due, is questionable and unverified. The reported high balance and past due amounts show inconsistencies across the reporting. 2. The account shows conflicting dates for last activity ( XX/XX/XXXX ) and last reported ( XX/XX/XXXX ), which calls into question the validity of the data provided. 3. The account status is marked as Closed/Chargeoff with comments stating Charged off account closed by credit grantor, yet there is no evidence that this reporting has been substantiated.Under FCRA 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy. Additionally, under FCRA 1681i, I am entitled to an investigation of any disputed information.I demand that you : 1. Verify the accuracy of this account by obtaining original documentation directly from XXXX XXXX, not just confirmation from third-party debt collectors. 2. Remove or correct any information that can not be 100 % verified as accurate and complete within the required 30-day investigation period. - I demand that you : 1. Verify the accuracy of this account by obtaining original documentation directly from XXXX XXXX, not just confirmation from third-party debt collectors. 2. Remove or correct any information that can not be 100 % verified as accurate and complete within the required 30-day investigation period.Failure to comply with this formal dispute will result in immediate action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and other regulatory bodies. Furthermore, I will not hesitate to pursue legal action to protect my credit and ensure compliance with the FCRA.\n\nI am deeply disappointed in your failure to provide documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I demand the immediate deletion of this flawed and inaccurate report. Failure to comply may result in legal action for non-compliance with the relevant legal requirements. It is crucial that we possess accurate information from documentaries to avoid being unprepared for potential future issues that could have been prevented with more care for accuracy over convenience. \n\nXXXXXXXX XXXX XXXX XXXX XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The \" Late Pay '' and \" Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.\n\nMay I humbly request that you desist from reporting any detrimental aspects of the allegations pertaining to the account details specified below? It is plausible that the said account, identified by the name XXXXXXXX XXXX XXXX  and XXXX XXXX, may have been reported unfairly, without proper certification or in violation of applicable laws. Therefore, I kindly demand that you promptly remove any information indicating late payments with derogatory connotations from your records, as mandated by law. \n\nXXXX XXXX XXXX - XXXX I am writing to formally dispute the erroneous and unverifiable information appearing on my credit report under the name XXXX XXXX XXXX, with account number XXXX, pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) .The following issues with this account render its reporting invalid and demand immediate investigation and correction : 1. The reported past-due balance of {$690.00} is inaccurate, unverified, and inconsistent across the information provided by different credit bureaus. 2. Discrepancies in dates such as Last Activity and Last Reported make it clear that this accounts reporting has not been properly maintained or verified. 3. Comments such as Collection/Chargeoff and Account Seriously Past Due are unsubstantiated and violate FCRA requirements for accuracy and complete verifiability.Under FCRA 1681i, you are required to : Conduct a thorough investigation to verify the accuracy of this account. This verification must include original documents from the original creditornot information merely passed along by XXXX XXXX XXXX. Correct or delete any information that can not be fully verified. - If you are unable to validate the accuracy and legitimacy of this account, I demand its immediate deletion from my credit report to prevent further harm to my creditworthiness.Please note that failure to comply with this formal dispute within the 30-day investigation period mandated by the FCRA will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action to enforce my rights under federal law.Attached are copies of my credit report highlighting the disputed account for your convenience. I expect written confirmation of your findings and any corrective actions taken at the conclusion of your investigation. \n\nXXXX XXXX XXXX - XXXX, I kindly request your attention to the data presented above, which appears to lack proper certification to meet reporting standards. Additionally, it is important to acknowledge that this information may be incomplete, outdated, or unsupported. With utmost respect, I would appreciate your prompt consideration in removing any inaccurate or unsupported material from this page. \n\nXXXX - XXXX Let me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. 1681b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law.\n\nWe would like to bring to your attention the inconsistency pertaining to the currently reported XXXX with account number displayed as XXXX, which has been observed across the three credit reporting agencies. It is our obligation to ensure that all reported items comply with the mandated reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a discrepancy from these standards, which must not deviate to maintain the integrity of the data, as stated in the CDIA CRRG 3- 4.\n\nAs such, until there is evident confirmation of all aspect ( s ) of claim ( s ) that are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid, particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements, the reported item in question remains lawfully questionable. \n\nXXXX XXXX XXXX - XXXX The collection account shows inconsistencies in bureaus and lacks validation under 15 USC 1692g.\n\nAdditionally, the account charge-off status does not align with accurate reporting procedures, violating 15 USC 1681e ( b ), which mandates maximum possible accuracy in credit reporting. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report.\n\nI express my deep disappointment regarding your failure to provide documented evidence of compliance with reporting standards and relevant consumer laws. This deficiency is of utmost significance. I kindly request that you promptly remove this flawed and inaccurate report, as failure to do so will leave us with no choice but to initiate legal proceedings against your company for its non-compliance with specific legal requirements in these matters. It is imperative that we are aware of the nature of the information presented in documentaries to avoid being unprepared when confronted with adverse situations that could have been prevented had there been proper attention paid to accuracy instead of mere convenience. \n\nXXXX - XXXX This account is reporting inconsistencies in reporting is a violation of FCRA 15 USC 1681e ( b ), which requires credit bureaus to report only accurate and consistent information. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. \n\nXXXX - XXXX, I hope this message finds you well. I would like to bring to your attention that the data presented above does not appear to have undergone certification to meet the required reporting standards. Additionally, it is crucial to acknowledge that this information might be incomplete, outdated, or lacking proper support. Therefore, I kindly request that any inaccurate or unsupported material be expeditiously removed from this page. \n\nXXXX XXXX XXXX - XXXX I am writing to formally dispute the inaccurate and unverifiable information related to XXXX XXXX XXXX with account number XXXX, ** as reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation into this matter and prompt correction or removal of the erroneous information.This account is reported as {$1500.00} past due with comments stating, Medical Subject has not satisfied debt. However, this reporting contains several inaccuracies and violations of the FCRA : 1. The balance and high balance amounts are inconsistent and unverified. 2. The reporting fails to provide specific details about the original creditor, making it impossible to verify the legitimacy of this account. 3. Dates such as last activity ( XX/XX/XXXX ) and last reported ( XX/XX/XXXX ) do not align logically with the accounts status.Under FCRA 1681i, credit reporting agencies must ensure that all reported information is accurate, verifiable, and complete. Moreover, under FCRA 1681e ( b ), you are obligated to use reasonable procedures to ensure maximum possible accuracy of all information reported. - I demand that you : 1. Verify the accuracy of this account by obtaining complete and original documentation directly from the original creditor. 2. If this account can not be fully verified as accurate, complete, and compliant with the FCRA, you must delete it from my credit report immediately.Please note that failure to resolve this dispute will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Additionally, I reserve the right to take legal action for damages caused by inaccurate reporting.\n\nI am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken against your company for non-compliance with the relevant legal requirements. It is crucial for us to have accurate information from documentaries to avoid unforeseen complications in the future, which could have been preventable with proper care for accuracy over mere convenience. \n\nXXXX XXXX XXXXXXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The \" Late Pay '' and \" Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report.\n\nI am writing to bring to your attention the current discrepancies present in the XXXX account, as indicated by the account number XXXX, across the three credit reporting agencies.\n\nIt is important to note that any inconsistency, incompleteness, inaccuracy, or omission of reported information can be considered a discrepancy from the industry standard of reporting compliance, which follows the Metro 2 Data-filled Field Formatted reporting requirements. Deviating from these standards can jeopardize the integrity of the data, as outlined in the CDIA CRRG 3-4. \n\nXXXX XXXX XXXX - XXXX I am writing to formally dispute the inaccurate and unverifiable information listed on my credit report under the FCRA ( 15 U.S.C. 1681 ). The account in question, identified as [ Account Name : XXXX XXXX XXXX ] with the account number [ Last 4 Digits : XXXXXXXX XXXX XXXX contains errors that must be corrected or removed immediately.Specifically, this account is reporting : 1. A balance of {$1000.00} listed as past due, even though the details do not align with my records. 2. Inconsistent and unverifiable dates between last activity, date closed, and last reported, which cast doubt on the accuracy of the reporting. 3. Negative status across multiple credit bureaus without sufficient evidence to substantiate the claim.Under the FCRA, you are required to report only accurate and fully verified information. I demand the following actions : 1. Verify the legitimacy of this account by obtaining original documentation directly from the original creditor. Merely verifying it with the current debt holder does not satisfy FCRA requirements. 2. If the accuracy of this information can not be fully validated, you are obligated under FCRA 1681i to promptly delete it from my credit report.Be advised that failure to correct this error may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), and I reserve the right to pursue legal action to protect my credit profile. - I request a written response confirming your investigation and any changes made to my credit report. Per the FCRA, you have 30 days from the receipt of this dispute to complete your investigation and respond.Please find enclosed copies of my credit report excerpts highlighting the disputed information for your reference.\n\nWe kindly remind you to take prompt action and remove any unproven or inadequately supported claims associated with the account number XXXX. As a data reporting provider, it is imperative that you meet the minimal criteria required to report with the conditional privilege to do so. Failure to adhere to the mandatory Metro 2 Compliance standards, as outlined in the CDIA 's CRRG guidelines, risks compromising the integrity of the data, and we can not compromise on this matter.\n\nWe respectfully dispute the reportability of any claim that you fail to prove conclusively, particularly if it does not comply with the above-mentioned mandatory Metro 2 Compliance standards. Therefore, we urge you to validate the accuracy of all allegations and ensure compliance with the requisite reporting practices to be deemed certifiably compliant. We appreciate your immediate attention to this matter and look forward to a timely resolution. \nXXXX - XXXX Let me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax, XXXX, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. 1681b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. - I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. 1681i ( a ).\n\nI hereby bring to your attention the details pertaining to the XXXX associated XXXX XXXX. It is important to acknowledge that the data provided above has not undergone certification to meet any reporting standards. Furthermore, it is imperative to highlight that this information may suffer from incompleteness, outdatedness, or lack of support. In light of this, I respectfully request the removal of any erroneous or unsupported material from the aforementioned page. \n\nINQUIRY - XXXX  - XXXX Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly remove it from my credit report. \n\nINQUIRY - XXXX XXXX XXXX I am writing to express my deep concern regarding an unauthorized inquiry that appeared on my credit report recently. As you are aware, under the Fair Credit Reporting Act, it is imperative that no one accesses an individual 's information without obtaining their prior consent. Therefore, I would like to request that you provide me with evidence that justifies the presence of this inquiry on my credit report. \n\nI kindly ask that you furnish me with the necessary documentation that demonstrates the basis for this inquiry, including any relevant details and signatures that confirm that I had indeed applied for a loan or lineofbusiness venture through the company in question. I believe that upon reviewing the evidence, you will agree that these inquiries were not appropriate and should not have been included on my credit report. \n\nI would appreciate it if you could resolve this issue promptly and ensure that my credit report accurately reflects my creditworthiness. Please let me know if there is any additional information that you may need from me to resolve this matter satisfactorily. \nINQUIRY - XXXX - XXXX Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly remove it from my credit report. \n\nI hope this communication finds you well. Today, I received a copy of my credit report and, to my surprise, noticed an alleged hard inquiry associated with my account INQUIRY - XXXX - XXXX. Regrettably, I have no recollection of authorizing such an inquiry, and I am now seeking your kind assistance in providing documentation related to the credit application. Specifically, I request proof of a signature or any supporting evidence that confirms my application for credit with the mentioned company. In the absence of such validating documentation, I earnestly urge you to expeditiously remove the alleged inquiries from my credit report. \nINQUIRY - XXXXXXXX XXXX XXXX XXXX  XXXX Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly remove it from my credit report. \n\nsee attachment","date_sent_to_company":"2025-01-05T21:48:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"11390557","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-05T21:39:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to adhere to the mandatory <em>Metro</em> 2 <em>Compliance</em> standards, as outlined in the CDIA 's CRRG guidelines, risks compromising the integrity of the data, and we can not compromise on this matter.\n\nWe respectfully dispute the reportability of any claim that you fail to prove conclusively, particularly if it does not comply with the above-mentioned mandatory <em>Metro</em> 2 <em>Compliance</em> standards."]},"sort":[10.42679,"11390557"]},{"_index":"complaint-public-v1","_id":"8574842","_score":10.3537445,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Request to Update Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that need to be addressed : XXXX 30 day late payment and XXXX 60 day late payment. \n\nXXXX. Update the account as paid and never late off my credit report. \n\nAccount Number : XXXX Update as paid and never late for accounts XXXX XXXX XXXX from my credit report for these dates XXXX and XX/XX/XXXX XXXX late payment of a 30 day for XXXX and XXXX XXXX late payment for XX/XX/XXXX. \n\nI recently, checked my credit report and noticed a billing error under 15 U.S. Code1666 - Correction of billing errors.\n\n( 4 ) The Creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. Also the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( ii ) After having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. \n\nAs I know the original creditor didn't notify 21 days before with a statement so there should be no late payments for this account therefore, the original creditor closed my account on XXXX XXXX late payment and XXXX XXXX late payment. It is affecting my credit scores and chances of obtaining credit! This account was opened on XX/XX/XXXX with XXXX. However, there is also inaccurate dates when the account was also opened and being reported across all credit reports which is another inaccurate topic we can talk about. All my information should be reporting the same across all XXXX bureaus. But I demand to see hard proof of the creditor for payments on this account showing that I was late for XXXX, and XXXX of a XXXX XXXX XXXX late payment and XXXX of a XXXX XXXX. late payment. I can prove that my wells account checking debit card XXXX XXXX has always charged my payments on XXXX and on time. My account # XXXX and routing # XXXX proof that the original creditor has always charged my autopayments on time but committed a billing error for those dates and left my account on a late payment status, of XXXX of a 30 day and of a XXXX late payment. According to 15 U.S. Code 1666 ( b ) Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit card plan as a late for any purpose, unless the creditor reasonable procedures to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I would appreciate if you send me documentation that you will update all derogatory and inaccurate information from this account that is all I require. Otherwise, please provide me with your documentation showing that these payments were indeed late. All other previous months show long positive payment history since I opened the account with autopayments, but the creditor has failed to take my payment for those dates. There is inaccurate information being reported for dates of XXXX for XXXX 30 day missed late payment and XXXX 60 day missed late payment for XX/XX/XXXX. Please send me copies that you will update this account as paid and never late for those dates. As well as any all payment receipt documentation in you're possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as late. Pursuant to the above title section ( XXXX ) ( XXXX ) : I will expect a written reply within the required XXXX timeframe. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it does not meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all your claims need to be accurate and reported in the format. This requirement goes by XXXX names : ( XXXX ) The Fair Credit Reporting Act ; or ( XXXX ) XXXX XXXX XXXX demand proof how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to reinvestigating these suspected claims on your end. Update the account XXXX XXXX XXXX as paid and never late. You have 30 days to investigate this matter and confirm that it is being reported correctly or update/remove any late payments from my credit report. I also would like for you to mail me a copy of your actions and my updated paid and never late for those dates listed on my credit report. If any of these items appear to be false, please update/remove immediately! the late payments as paid and never late for XXXX and XX/XX/XXXX. \n\n\nRE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all-illegal behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX XXXX field formatted reporting! \n\n\nCERTAINLY, YOU ARE AWARE THAT COMPLETE COMPLIANT REPORTING IS A MANDATE NOT AN OPTION, AS SUCH ANY DEROGATORY ACCUSATIONS ASSOCIATED WITH A NOT COMPLIANT ALLEGED ACCOUNT MOST DEFINITELY, IS NOT COMPLIANTLY REPORTING ITSELF IF NOT UNPROVEN TO BE TRUE, CORRECT, COMPLETE, TIMELY, MINE, OR MY RESPONSIBILITY. HERE in this written letter is my formal request for you to bring my credit report into XXXX COMPLIANCE. I will take for granted that you are knowledgeable of the credit reporting laws ensuring that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none. Given your awareness, coupled with field trained knowledge, I am certain that you understand that a challenge to produce document demonstration in evidence to all claims of which you can not or will not adequately prove physically within the federally mandated timely fashion you are requisite to ANNUL any and all such challenged or disputed indicated misinformation immediately by UPDATE/CORRECT of every single XXXX even each any and all aspects of the unproven reported chicanery filled subterfuge. Every step is required to be taken to assure the information reported is completely compliant, true, complete, timely, and correct. You nor any entity has authority to retain or report any undocumented and or unproven adverse allegations or physically unverifiable or not validated claims of derogatory items ) of information, true or not! \n\n\nDEROGATORY ACCUSATIONS HAS TO BE XXXX XXXX COMPLIANT TO RETAIN OR REPORT SO UPDATE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME. I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. \n\n\nUNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY XXXX XXXX COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT UPDATE OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED XXXX XXXX DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. \n\n\nWould you ever so kindly, indulge me with the mandated presentations of your requisite actions to authenticate and avow corporeally to the absolute genuineness, accurateness, Alness, accordance, and adherence to every single one even each any and or all of the federally composed legislative documents as related to the now officially challenged allegations of account and or adverse notations therein of such claims. Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenged so UPDATE TODAY even right NOW or unequivocally XXXX physically to every single XXXX even each any or all of the excerpts, dated assignments, ledger balances, audited enumerations, documents of identification, each of the XXXX format fielded XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate affirm every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX XXXX account # XXXX Please supply information on how you have verified these items. \n\nProvide Physical Proof of Verification ... NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS AND COMPLIANCE TO XXXX SO PROVE NOW OR UPDATE THE CLAIM ANNUL/UPDATE/REMOVE THE FOLLOWING UNPROVEN TO BE COMPLIANT UNVERIFIED AS TRUE ALLEGED FROM MY FILE. \n\nIn accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and deleted from my report. It is my understanding that you will contact the creditor responsible for these entries for verification purposes. Please Update/Paid and never late and any information that can not be verified by the creditor should be promptly updated as paid and never late. I am aware that as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Please send a revised copy of my credit report to the aforementioned address. According to the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past XXXX months regarding the corrections made. \n\nI am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into 100 % complete Compliance. Have a wonderful Day Sincerely, XXXX XXXX","date_sent_to_company":"2024-03-18T18:11:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95116","tags":null,"has_narrative":true,"complaint_id":"8574842","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-18T17:05:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX field <em>formatted</em> reporting!"]},"sort":[10.3537445,"8574842"]},{"_index":"complaint-public-v1","_id":"11775021","_score":9.761049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : NOTICE OF DISPUTE OF DEBT AND DEMAND FOR VERIFIED DOCUMENTATION ; FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) ; FAIR CREDIT REPORTING ACT ( \" FCRA '' ) To Whom It May Concern, I am writing regarding the unpaid debt on the derogatory account listed above, which I dispute and attempt to correct your records. By sending this letter, I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary. Please also be advised that non-compliance with my demands, could put your company in serious legal trouble. \n\nAccording to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company. \n\nI hereby DEMAND that your company will provide me \" under penalty of perjury '' with the following verified documentary evidence of alleged debt : 1. Please provide a verified copy both front and back of the alleged original contract / agreement / promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract / agreement / promissory note ; 2. Provide verification and documentation that there is a valid basis for your firms charge-off of the alleged debt. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account? \n3. Please describe in detail your firms charge-off procedures as they apply under the Sarbanes Oxley Act of XXXX ( Pub.L. XXXX, XXXX XXXX. XXXX ) ; 4. Have you determined that alleged debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that ; 5. Please explain how the added interest, fees or other charges are expressly authorized by the consumer agreement, creating the debt and permitted by law ; 6. Please provide an itemization showing the dates and amounts of each reduction or payment were accrued in your firms procedure, authorized by the consumer agreement and creating the debt or permitted by law ; 7. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, or an Insurance Claim ; 8. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to Metro-2 compliance between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced ; 9. Please describe how your firm ensures comprehensive accuracy and input of all consumer data into the Metro-2 format and if there have been any recent issues ( last 4 years ) with data consistency or breaches in information transmission quality reported to you under your firms CRB agreement with any Credit Reporting Agency ; 10. Please provide the name, title, address and phone number of the natural person who is the CUSTODIAN of the actual alleged contract/agreement/promissory note. If the physical location of the said alleged contract is different from that of the CUSTODIAN, please provide the address of that location also ; 11. Please verify that you have not purchased evidence of alleged debt ; 12. Documentation showing that you have the legal right to collect this debt ; 13. Copies of any documents that show I agreed to pay what you say I owe ; 14. Proof that the Statute of Limitations has not expired on this account ; If you fail to provide all parts and requests of the information or documentation I have asked for, please stipulate why to each request including the authorized party that is refusing to comply or make such information available. I will understand that you are unable to confirm or document your claims but the reason or motive must be made clear including the responsible party under the tort law precedents of respondeat superior. \n\nIf you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. \nBecause I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. \nYou can not add interest or fees except those allowed by the original contract or state law. \nAny attempt to collect this debt without validating it violates the FDCPA. \nAlso be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX \nI have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.\n\nFinally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt. \nFinally, please note that I do not wish to receive further telephone calls concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).\n\nPlease be aware that any negative mark on my XXXX, XXXX, XXXX, Equifax, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX report ( s ) for a debt I don't owe violates the FCRA. Therefore, if you can not validate the debt, you must request that all national credit reporting agencies that you have reported to delete the entry. In addition, until I have received and reviewed any evidence you provide me, I ask that you take no action that might damage my credit reports. \n\nIf the debt described above has been resolved, I ask that you remove, or have removed any derogatory marks from my XXXX and other CRA 's credit reports per the FCRA and send me confirmation that you have done so. \n\nPlease note that if you fail to respond within 30 days of receipt of this letter, I am prepared to take legal action against your company for causes of action including but not limited to, defamation, fraud, and violations under the FCRA. If your firm can not or chooses not to respond to this validation demand and its conditions, I will not hesitate to file suit and seek my own payday against your firm for malicious and inaccurate activities. See. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. \n\n\nI am waiting for your immediate action to my demands. \n\n\nBest Regards,","date_sent_to_company":"2025-01-26T23:22:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"327XX","tags":null,"has_narrative":true,"complaint_id":"11775021","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-26T23:22:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to <em>Metro</em>-2 <em>compliance</em> between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced ; 9."]},"sort":[9.761049,"11775021"]},{"_index":"complaint-public-v1","_id":"11775020","_score":9.761049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : NOTICE OF DISPUTE OF DEBT AND DEMAND FOR VERIFIED DOCUMENTATION ; FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) ; FAIR CREDIT REPORTING ACT ( \" FCRA '' ) To Whom It May Concern, I am writing regarding the unpaid debt on the derogatory account listed above, which I dispute and attempt to correct your records. By sending this letter, I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary. Please also be advised that non-compliance with my demands, could put your company in serious legal trouble. \n\nAccording to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company. \n\nI hereby DEMAND that your company will provide me \" under penalty of perjury '' with the following verified documentary evidence of alleged debt : 1. Please provide a verified copy both front and back of the alleged original contract / agreement / promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract / agreement / promissory note ; 2. Provide verification and documentation that there is a valid basis for your firms charge-off of the alleged debt. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account? \nXXXX. Please describe in detail your firms charge-off procedures as they apply under the XXXX XXXX XXXX of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ; 4. Have you determined that alleged debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that ; 5. Please explain how the added interest, fees or other charges are expressly authorized by the consumer agreement, creating the debt and permitted by law ; 6. Please provide an itemization showing the dates and amounts of each reduction or payment were accrued in your firms procedure, authorized by the consumer agreement and creating the debt or permitted by law ; 7. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, or an Insurance Claim ; 8. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to Metro-2 compliance between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced ; 9. Please describe how your firm ensures comprehensive accuracy and input of all consumer data into the Metro-2 format and if there have been any recent issues ( last 4 years ) with data consistency or breaches in information transmission quality reported to you under your firms CRB agreement with any Credit Reporting Agency ; 10. Please provide the name, title, address and phone number of the natural person who is the CUSTODIAN of the actual alleged contract/agreement/promissory note. If the physical location of the said alleged contract is different from that of the CUSTODIAN, please provide the address of that location also ; 11. Please verify that you have not purchased evidence of alleged debt ; 12. Documentation showing that you have the legal right to collect this debt ; 13. Copies of any documents that show I agreed to pay what you say I owe ; 14. Proof that the Statute of Limitations has not expired on this account ; If you fail to provide all parts and requests of the information or documentation I have asked for, please stipulate why to each request including the authorized party that is refusing to comply or make such information available. I will understand that you are unable to confirm or document your claims but the reason or motive must be made clear including the responsible party under the tort law precedents of respondeat superior. \n\nIf you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. \nBecause I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. \nYou can not add interest or fees except those allowed by the original contract or state law. \nAny attempt to collect this debt without validating it violates the FDCPA. \nAlso be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. \nI have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.\n\nFinally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.\n\nFinally, please note that I do not wish to receive further telephone calls concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). \nPlease be aware that any negative mark on my XXXX, XXXX, XXXX, Equifax, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX report ( s ) for a debt I don't owe violates the FCRA. Therefore, if you can not validate the debt, you must request that all national credit reporting agencies that you have reported to delete the entry. In addition, until I have received and reviewed any evidence you provide me, I ask that you take no action that might damage my credit reports. \n\nIf the debt described above has been resolved, I ask that you remove, or have removed any derogatory marks from my XXXX and other CRA 's credit reports per the FCRA and send me confirmation that you have done so. \n\nPlease note that if you fail to respond within 30 days of receipt of this letter, I am prepared to take legal action against your company for causes of action including but not limited to, defamation, fraud, and violations under the FCRA. If your firm can not or chooses not to respond to this validation demand and its conditions, I will not hesitate to file suit and seek my own payday against your firm for malicious and inaccurate activities. See. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. \n\n\nI am waiting for your immediate action to my demands. \n\n\nBest Regards,","date_sent_to_company":"2025-01-26T22:42:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"327XX","tags":null,"has_narrative":true,"complaint_id":"11775020","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-26T22:42:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to <em>Metro</em>-2 <em>compliance</em> between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced ; 9."]},"sort":[9.761049,"11775020"]},{"_index":"complaint-public-v1","_id":"11774906","_score":9.761049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : NOTICE OF DISPUTE OF DEBT AND DEMAND FOR VERIFIED DOCUMENTATION ; FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) ; FAIR CREDIT REPORTING ACT ( \" FCRA '' ) To Whom It May Concern, I am writing regarding the unpaid debt on the derogatory account listed above, which I dispute and attempt to correct your records. By sending this letter, I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary. Please also be advised that non-compliance with my demands, could put your company in serious legal trouble. \n\nAccording to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company. \n\nI hereby DEMAND that your company will provide me \" under penalty of perjury '' with the following verified documentary evidence of alleged debt : 1. Please provide a verified copy both front and back of the alleged original contract / agreement / promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract / agreement / promissory note ; 2. Provide verification and documentation that there is a valid basis for your firms charge-off of the alleged debt. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account?\n\n3. Please describe in detail your firms charge-off procedures as they apply under the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ) ; 4. Have you determined that alleged debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that ; 5. Please explain how the added interest, fees or other charges are expressly authorized by the consumer agreement, creating the debt and permitted by law ; 6. Please provide an itemization showing the dates and amounts of each reduction or payment were accrued in your firms procedure, authorized by the consumer agreement and creating the debt or permitted by law ; 7. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, or an Insurance Claim ; 8. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to Metro-2 compliance between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced ; 9. Please describe how your firm ensures comprehensive accuracy and input of all consumer data into the Metro-2 format and if there have been any recent issues ( last 4 years ) with data consistency or breaches in information transmission quality reported to you under your firms CRB agreement with any Credit Reporting Agency ; 10. Please provide the name, title, address and phone number of the natural person who is the CUSTODIAN of the actual alleged contract/agreement/promissory note. If the physical location of the said alleged contract is different from that of the CUSTODIAN, please provide the address of that location also ; 11. Please verify that you have not purchased evidence of alleged debt ; 12. Documentation showing that you have the legal right to collect this debt ; 13. Copies of any documents that show I agreed to pay what you say I owe ; 14. Proof that the Statute of Limitations has not expired on this account ; If you fail to provide all parts and requests of the information or documentation I have asked for, please stipulate why to each request including the authorized party that is refusing to comply or make such information available. I will understand that you are unable to confirm or document your claims but the reason or motive must be made clear including the responsible party under the tort law precedents of respondeat superior. \n\nIf you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. \nBecause I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. \nYou can not add interest or fees except those allowed by the original contract or state law. \nAny attempt to collect this debt without validating it violates the FDCPA. \nAlso be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXXI have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. \nFinally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt. \nFinally, please note that I do not wish to receive further telephone calls concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). \nPlease be aware that any negative mark on my XXXX, XXXX, XXXX, Equifax, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX report ( s ) for a debt I don't owe violates the FCRA. Therefore, if you can not validate the debt, you must request that all national credit reporting agencies that you have reported to delete the entry. In addition, until I have received and reviewed any evidence you provide me, I ask that you take no action that might damage my credit reports. \n\nIf the debt described above has been resolved, I ask that you remove, or have removed any derogatory marks from my XXXX and other CRA 's credit reports per the FCRA and send me confirmation that you have done so. \n\nPlease note that if you fail to respond within 30 days of receipt of this letter, I am prepared to take legal action against your company for causes of action including but not limited to, defamation, fraud, and violations under the FCRA. If your firm can not or chooses not to respond to this validation demand and its conditions, I will not hesitate to file suit and seek my own payday against your firm for malicious and inaccurate activities. See. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n\nI am waiting for your immediate action to my demands. \n\n\nBest Regards,","date_sent_to_company":"2025-01-26T23:16:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"327XX","tags":null,"has_narrative":true,"complaint_id":"11774906","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-26T23:16:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to <em>Metro</em>-2 <em>compliance</em> between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced ; 9."]},"sort":[9.761049,"11774906"]},{"_index":"complaint-public-v1","_id":"11774584","_score":9.761049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : NOTICE OF DISPUTE OF DEBT AND DEMAND FOR VERIFIED DOCUMENTATION ; FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) ; FAIR CREDIT REPORTING ACT ( \" FCRA '' ) To Whom It May Concern, I am writing regarding the unpaid debt on the derogatory account listed above, which I dispute and attempt to correct your records. By sending this letter, I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary. Please also be advised that non-compliance with my demands, could put your company in serious legal trouble.\n\nAccording to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company.\n\nI hereby DEMAND that your company will provide me \" under penalty of perjury '' with the following verified documentary evidence of alleged debt : XXXX. Please provide a verified copy both front and back of the alleged original contract / agreement / promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract / agreement / promissory note ; XXXX. Provide verification and documentation that there is a valid basis for your firms charge-off of the alleged debt. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account? \nXXXX. Please describe in detail your firms charge-off procedures as they apply under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Have you determined that alleged debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that ; XXXX. Please explain how the added interest, fees or other charges are expressly authorized by the consumer agreement, creating the debt and permitted by law ; XXXX. Please provide an itemization showing the dates and amounts of each reduction or payment were accrued in your firms procedure, authorized by the consumer agreement and creating the debt or permitted by law ; XXXX. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a XXXX write-off, or an Insurance Claim ; XXXX. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to Metro-2 compliance between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced ; 9. Please describe how your firm ensures comprehensive accuracy and input of all consumer data into the Metro-2 format and if there have been any recent issues ( last 4 years ) with data consistency or breaches in information transmission quality reported to you under your firms CRB agreement with any Credit Reporting Agency XXXX XXXX. Please provide the name, title, address and phone number of the natural person who is the CUSTODIAN of the actual alleged contract/agreement/promissory note. If the physical location of the said alleged contract is different from that of the XXXX, please provide the address of that location also ; XXXX. Please verify that you have not purchased evidence of alleged debt ; XXXX. Documentation showing that you have the legal right to collect this debt ; XXXX. Copies of any documents that show I agreed to pay what you say I owe ; XXXX. Proof that the Statute of Limitations has not expired on this account ; If you fail to provide all parts and requests of the information or documentation I have asked for, please stipulate why to each request including the authorized party that is refusing to comply or make such information available. I will understand that you are unable to confirm or document your claims but the reason or motive must be made clear including the responsible party under the tort law precedents of respondeat superior. \n\nIf you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. \nBecause I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. \nYou can not add interest or fees except those allowed by the original contract or state law. \nAny attempt to collect this debt without validating it violates the FDCPA. \nAlso be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. \nI have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.\n\nFinally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.\n\nFinally, please note that I do not wish to receive further telephone calls concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). \nPlease be aware that any negative mark on my XXXX XXXX XXXX Equifax, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX report ( s ) for a debt I don't owe violates the FCRA. Therefore, if you can not validate the debt, you must request that all national credit reporting agencies that you have reported to delete the entry. In addition, until I have received and reviewed any evidence you provide me, I ask that you take no action that might damage my credit reports.\n\nIf the debt described above has been resolved, I ask that you remove, or have removed any derogatory marks from my XXXX and other CRA 's credit reports per the FCRA and send me confirmation that you have done so. \n\nPlease note that if you fail to respond within 30 days of receipt of this letter, I am prepared to take legal action against your company for causes of action including but not limited to, defamation, fraud, and violations under the FCRA. If your firm can not or chooses not to respond to this validation demand and its conditions, I will not hesitate to file suit and seek my own payday against your firm for malicious and inaccurate activities. See. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n\nI am waiting for your immediate action to my demands. \n\n\nBest Regards,","date_sent_to_company":"2025-01-26T23:34:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"327XX","tags":null,"has_narrative":true,"complaint_id":"11774584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-26T23:34:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to <em>Metro</em>-2 <em>compliance</em> between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced ; 9."]},"sort":[9.761049,"11774584"]},{"_index":"complaint-public-v1","_id":"11776955","_score":9.747626,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : NOTICE OF DISPUTE OF DEBT AND DEMAND FOR VERIFIED DOCUMENTATION ; FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) ; FAIR CREDIT REPORTING ACT ( \" FCRA '' ) To Whom It May Concern, I am writing regarding the unpaid debt on the derogatory account listed above, which I dispute and attempt to correct your records. By sending this letter, I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary. Please also be advised that non-compliance with my demands, could put your company in serious legal trouble.\n\nAccording to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company.\n\nI hereby DEMAND that your company will provide me \" under penalty of perjury '' with the following verified documentary evidence of alleged debt : XXXX. Please provide a verified copy both front and back of the alleged original contract / agreement / promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract / agreement / promissory note ; XXXX. Provide verification and documentation that there is a valid basis for your firms charge-off of the alleged debt. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account? \nXXXX. Please describe in detail your firms charge-off procedures as they apply under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Have you determined that alleged debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that ; XXXX. Please explain how the added interest, fees or other charges are expressly authorized by the consumer agreement, creating the debt and permitted by law ; XXXX. Please provide an itemization showing the dates and amounts of each reduction or payment were accrued in your firms procedure, authorized by the consumer agreement and creating the debt or permitted by law ; XXXX. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, or an Insurance Claim ; XXXX. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to Metro-2 compliance between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced ; 9. Please describe how your firm ensures comprehensive accuracy and input of all consumer data into the Metro-2 format and if there have been any recent issues ( last 4 years ) with data consistency or breaches in information transmission quality reported to you under your firms CRB agreement with any Credit Reporting Agency ; XXXX. Please provide the name, title, address and phone number of the natural person who is the CUSTODIAN of the actual alleged contract/agreement/promissory note. If the physical location of the said alleged contract is different from that of the XXXX, please provide the address of that location also ; XXXX. Please verify that you have not purchased evidence of alleged debt ; XXXX. Documentation showing that you have the legal right to collect this debt ; XXXX. Copies of any documents that show I agreed to pay what you say I owe ; XXXX. Proof that the Statute of Limitations has not expired on this account ; If you fail to provide all parts and requests of the information or documentation I have asked for, please stipulate why to each request including the authorized party that is refusing to comply or make such information available. I will understand that you are unable to confirm or document your claims but the reason or motive must be made clear including the responsible party under the tort law precedents of respondeat superior. \n\nIf you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. \nBecause I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. \nYou can not add interest or fees except those allowed by the original contract or state law. \nAny attempt to collect this debt without validating it violates the FDCPA. \nAlso be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. \nI have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.\n\nFinally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.\n\nFinally, please note that I do not wish to receive further telephone calls concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).\n\nPlease be aware that any negative mark on my XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX report ( s ) for a debt I don't owe violates the FCRA. Therefore, if you can not validate the debt, you must request that all national credit reporting agencies that you have reported to delete the entry. In addition, until I have received and reviewed any evidence you provide me, I ask that you take no action that might damage my credit reports. \n\nIf the debt described above has been resolved, I ask that you remove, or have removed any derogatory marks from my XXXX and other CRA 's credit reports per the FCRA and send me confirmation that you have done so. \n\nPlease note that if you fail to respond within 30 days of receipt of this letter, I am prepared to take legal action against your company for causes of action including but not limited to, defamation, fraud, and violations under the FCRA. If your firm can not or chooses not to respond to this validation demand and its conditions, I will not hesitate to file suit and seek my own payday against your firm for malicious and inaccurate activities. See. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n\nI am waiting for your immediate action to my demands. \n\n\nBest Regards,","date_sent_to_company":"2025-01-26T22:49:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"327XX","tags":null,"has_narrative":true,"complaint_id":"11776955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-01-26T22:43:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to <em>Metro</em>-2 <em>compliance</em> between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced ; 9."]},"sort":[9.747626,"11776955"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":37,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":37}]}},"product":{"doc_count":37,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":35,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":35}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1},{"key":"Other personal consumer report","doc_count":1}]}}]}},"issue":{"doc_count":37,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":11},{"key":"Account information incorrect","doc_count":7},{"key":"Information belongs to someone else","doc_count":3}]}},{"key":"Improper use of your report","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":14}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2}]}}]}},"timely":{"doc_count":37,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":37}]}},"company_response":{"doc_count":37,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with non-monetary relief","doc_count":23},{"key":"Closed with explanation","doc_count":14}]}},"submitted_via":{"doc_count":37,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":37}]}},"company":{"doc_count":37,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":19},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":8},{"key":"Experian Information Solutions Inc.","doc_count":4},{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"CBC Companies, Inc.","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"LEXISNEXIS","doc_count":1},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":1},{"key":"Verisk Analytics Inc","doc_count":1}]}},"state":{"doc_count":37,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":18},{"key":"CA","doc_count":7},{"key":"NY","doc_count":5},{"key":"GA","doc_count":4},{"key":"MI","doc_count":2},{"key":"AL","doc_count":1}]}},"company_public_response":{"doc_count":37,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":12}]}},"tags":{"doc_count":37,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[9.747543,"11776955"]}}}