{"took":199,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":91,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12497733","_score":30.0694,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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 Subject : URGENT METRO2 DISPUTE Unauthorized Student Loan Reporting & Deletion Request To who it may concern : I am disputing the inaccurate reporting of a student loan account under Metro2 compliance requirements and the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers must ensure accurate reporting, and any unverifiable, outdated, or unauthorized information must be removed.\n\nBased on recent investigations, it has come to my attention that my student loan data may have been accessed and/or altered without my consent, violating Metro2 Compliance Condition Code \" XB '' ( Consumer Disputes Account Information ). If you can not provide a verifiable record proving the legitimacy of this reporting, this account must be deleted immediately per Metro2 e-OSCAR compliance guidelines.\n\nI am demanding the following corrective actions : 1. Metro2 Audit & Verification Conduct a compliance review to determine whether this student loan record meets Metro2 formatting and reporting standards. Provide the E-Oscar verification code used to verify this data. \n\n2. Data Accuracy Certification Submit a formal written response, including proof of contract, promissory note, and complete payment history. If you can not provide this, Metro2 reporting guidelines require deletion under Code \" DA '' ( Delete Account ).\n\n3. Account Deletion for Non-Compliance If the loan was improperly reported, altered, or deleted from official records, the only compliant action under Metro2 guidelines is permanent deletion. Update the status to Code \" DF '' ( Delete Entire File ) within the required reporting period.\n\n4. Written Compliance Assurance Confirm in writing that my student loan records will not be inaccurately reported again, in compliance with FCRA and Metro2 standards.\n\nPursuant to FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond within 30 days of receipt of this notice. Failure to provide documented verification or an appropriate correction will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, and legal authorities. \n\nI expect a written response at your earliest convenience confirming compliance. Please contact me at [ your phone number ] or [ your email address ] for further clarification. \n\nSincerely, XXXXXXXX XXXX XXXXXXXX Enclosures : Copy of credit report with disputed account highlighted Supporting documentation","date_sent_to_company":"2025-03-15T23:13:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"12497733","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-15T23:13:30.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Data</em> <em>Accuracy</em> Certification Submit a formal written response, including proof of contract, promissory note, and complete payment history. If you can not provide this, <em>Metro2</em> reporting <em>guidelines</em> require deletion under Code \" DA '' ( Delete Account ).\n\n3. Account Deletion for Non-<em>Compliance</em> If the loan was improperly reported, altered, or deleted from official records, the only compliant action under <em>Metro2</em> <em>guidelines</em> is permanent deletion."]},"sort":[30.0694,"12497733"]},{"_index":"complaint-public-v1","_id":"17113423","_score":24.867477,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX  False Reporting, Metro-2 Violations A collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to both Experian and XXXX  in XXXX with a rental application. I was denied the rental unit and later received a full refund of my deposit, confirming that no debt ever existed and no outstanding balance was owed. \nDespite the refund and confirmation that the matter was resolved, XXXX XXXX XXXX XXXX XXXX reported a balance and continued collection reporting. I disputed this account with both consumer reporting agencies under FCRA 611, requesting debt validation and review for Metro-2 accuracy and CDIA compliance . \n\nStill Experian nor XXXX  provided legally sufficient validation the debt nor a proper Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). And the account remains despite being unverified.\n\nKey Issues : No legally valid debt deposit refunded Collection continued after account was resolved Failure to provide proof of the alleged debt Failure to provide method of verification Metro-2 data reporting conflicts Metro-2 Compliance Failures Observed The tradeline reporting appears non-compliant with Metro-2 standards, including : No supporting documentation for the alleged obligation Conflicting dates ( DOFD, date of last activity, placement ) Incorrect status codes and dispute handling Balance reporting after confirmed deposit refund Missing or inaccurate Metro-2 base segment data fields Failure to furnish accurate dispute codes per CDIA guidelines Federal & State Law Concerns These actions appear to violate : FCRA 611 failure to conduct proper reinvestigation FCRA 623 inaccurate reporting after notice FCRA 607 ( b ) duty to ensure maximum possible accuracy FDCPA 809 ( b ) continued collection without validation California Civil Code 1788.17 unfair collection practices Consumer Harm Experienced : Due to the inaccurate and unverified reporting, I suffered : Negative credit score impact Loss of housing opportunity Emotional distress and financial inconvenience Requested CFPB Action","date_sent_to_company":"2025-11-08T19:42:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"949XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17113423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-08T19:04:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["reporting after confirmed deposit refund Missing or inaccurate <em>Metro-2</em> base segment <em>data</em> fields Failure to furnish accurate dispute codes per CDIA <em>guidelines</em> Federal & State Law Concerns These actions appear to violate : FCRA 611 failure to conduct proper reinvestigation FCRA 623 inaccurate reporting after notice FCRA 607 ( b ) duty to ensure maximum possible <em>accuracy</em> FDCPA 809 ( b ) continued collection without validation California Civil Code 1788.17 unfair collection practices Consumer Harm Experienced"]},"sort":[24.867477,"17113423"]},{"_index":"complaint-public-v1","_id":"17113233","_score":24.443943,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX Unverified Collection, False Reporting, Metro-2 Violations A collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to both XXXX  and TransUnion in XXXX with a rental application. I was denied the rental unit and later received a full refund of my deposit, confirming that no debt ever existed and no outstanding balance was owed. Despite the refund and confirmation that the matter was resolved, XXXX XXXX XXXX XXXX XXXX reported a balance and continued collection reporting. I disputed this account with both consumer reporting agencies under FCRA XXXX, requesting debt validation and review for XXXX accuracy and CDIA compliance XXXX Still XXXX  nor TransUnion provided legally sufficient validation the debt nor a proper Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). And the account remains despite being unverified. Key Issues : No legally valid debt deposit refunded Collection continued after account was resolved Failure to provide proof of the alleged debt Failure to provide method of verification Metro-2 data reporting conflicts Metro-2 Compliance Failures Observed The tradeline reporting appears non-compliant with Metro-2 standards, including : No supporting documentation for the alleged obligation Conflicting dates ( DOFD, date of last activity, placement ) Incorrect status codes and dispute handling Balance reporting after confirmed deposit refund Missing or inaccurate Metro-2 base segment data fields Failure to furnish accurate dispute codes per CDIA guidelines Federal & State Law Concerns These actions appear to violate : FCRA 611 failure to conduct proper reinvestigation FCRA 623 inaccurate reporting after notice FCRA 607 ( b ) duty to ensure maximum possible accuracy FDCPA 809 ( b ) continued collection without validation California Civil Code 1788.17 unfair collection practices Consumer Harm Experienced : Due to the inaccurate and unverified reporting, I suffered : Negative credit score impact Loss of housing opportunity Emotional distress and financial inconvenience Requested CFPB Action","date_sent_to_company":"2025-11-08T19:45:43.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"949XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17113233","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-08T19:42:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["reporting after confirmed deposit refund Missing or inaccurate <em>Metro-2</em> base segment <em>data</em> fields Failure to furnish accurate dispute codes per CDIA <em>guidelines</em> Federal & State Law Concerns These actions appear to violate : FCRA 611 failure to conduct proper reinvestigation FCRA 623 inaccurate reporting after notice FCRA 607 ( b ) duty to ensure maximum possible <em>accuracy</em> FDCPA 809 ( b ) continued collection without validation California Civil Code 1788.17 unfair collection practices Consumer Harm Experienced"]},"sort":[24.443943,"17113233"]},{"_index":"complaint-public-v1","_id":"16629242","_score":24.093946,"_source":{"product":"Debt collection","complaint_what_happened":"I requested debt validation from USCB Corp over 60 days ago, asking for proof of ownership or assignment, an itemized breakdown of the balance, and documentation from the original creditor.\n\nUSCB Corp has not produced any documentation verifying the debt.\n\nDespite this, they continue to report the account as a collection/charge-off across all three credit bureaus, violating FDCPA 809 ( b ) ( failure to validate before continuing collection ) and FCRA 623 ( a ) ( 1 ) ( A ) ( reporting information known to be inaccurate ). \nUnder Metro-2 Compliance Reporting Guidelines, a furnisher may not continue to report data that lacks factual accuracy or validation. Because the debt remains unvalidated, the reporting is non-compliant and misleading.","date_sent_to_company":"2025-10-16T16:27:59.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"16629242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"USCB Corporation","date_received":"2025-10-16T16:24:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Under <em>Metro-2</em> <em>Compliance</em> Reporting <em>Guidelines</em>, a furnisher may not continue to report <em>data</em> that lacks factual <em>accuracy</em> or validation. Because the debt remains unvalidated, the reporting is non-compliant and misleading."]},"sort":[24.093946,"16629242"]},{"_index":"complaint-public-v1","_id":"4541685","_score":24.066349,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is not a duplicate complaint, please do not flag this as such. \n\nI am XXXX XXXX, and I alone, am submitting this complaint. \n\nI am not willing to be the middleman in this issue, as it is ultimately between you as a Data Furnisher ( XXXX - XXXX ) and the CRAs. \n\nXXXX  - XXXX, is the Tradeline The request is to fix your data and in compliance with Metro2 data standards, so the record in your system - produces itself in a file then sent to a consumer profile/report correctly or delete it. \n\nPlease let this complaint, reiterate the Do not Contact request previously supplied to you, except and as allowed through this portal, and then the laws that govern them. \n\nThis complaint, nor the previous one - was never a request to validate any alleged debt. Instead, it is and was based on this Data Furnisher ( XXXX - XXXX ) reporting inaccurate, incomplete and then misleading data intentionally - to CRA 's, and have failed to respond to the noted issues. \n\nThe responsibility of a Data Furnisher, I am relying on is based on FCRA FDCPA and e- cfr. \n\nhttps : //www.ecfr.gov/cgi-bin/text-idx? XXXX & mc=true & XXXX & XXXX For the CRA 's - Its simply FCRA. \n\nXXXX Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have attached the description from XXXX  as XXXX  XXXX Ingredients, the source. XXXX Scoring calculations, are not different for each CRA.\n\nPayment History Amount of Debt Length of Credit History Amount of New Credit Credit mix Understanding this by then sending data to a CRA, maliciously / intentionally / or ignorantly data, that should be known with forethought, validation and oversight / QA, as the result becomes almost unreasonable to me, and then industry, governance, legal and compliance expectations. It is not until missed payments, collections and the like occur does the data go so far south that one must question its intent. \n\nIT testing, when files are sent or built, are part of a typical SDLC where expected results are defined. XXXX - XXXX is in acceptance of the demonstrative issues in this complaint, or any previous as their normal standard of delivery - and standards. \n\nI will also share what I have learned, painfully, for and to all consumers who see your entity on their report for this journey. \n\nPlease Fix the tradeline so that the data collected from your systems, is produced in a file that is Metro2 compliant, sent to a CRA, and then as a Debt collector - or delete it. \nThe Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. \n\nXXXX in theory verifies the true expected results XXXX is saying is acceptable. \n\nSee attached, for specific complaint details. \n\nThis complaint is based on FCRA and FDCPA. \n\nMetro2 guidelines are the standard. \n\nDOFD/FACRA Date, FCRA - accuracy in reporting, Charge off balances, Pay History - Balance History and Rating History - and false/malicious data - being reported on my tradelines at all 3 CRA 's They are included in this complaint.","date_sent_to_company":"2021-07-22T12:12:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4541685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-07-14T16:17:47.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Metro2</em> <em>guidelines</em> are the standard. \n\nDOFD/FACRA Date, FCRA - <em>accuracy</em> in reporting, Charge off balances, Pay History - Balance History and Rating History - and false/malicious <em>data</em> - being reported on my tradelines at all 3 CRA 's They are included in this complaint."]},"sort":[24.066349,"4541685"]},{"_index":"complaint-public-v1","_id":"4541684","_score":23.912598,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is not a duplicate complaint, please do not flag this as such. \n\nI am XXXX XXXX, and I alone, am submitting this complaint. \n\nI am not willing to be the middleman in this issue, as it is ultimately between you as a Data Furnisher ( XXXX - XXXX ) and the CRAs. \n\nXXXX - XXXX, is the Tradeline The request is to fix your data and in compliance with Metro2 data standards, so the record in your system - produces itself in a file then sent to a consumer profile/report correctly or delete it. \n\nPlease let this complaint, reiterate the Do not Contact request previously supplied to you, except and as allowed through this portal, and then the laws that govern them. \n\nThis complaint, nor the previous one - was never a request to validate any alleged debt. Instead, it is and was based on this Data Furnisher ( XXXX - XXXX ) reporting inaccurate, incomplete and then misleading data intentionally - to CRA 's, and have failed to respond to the noted issues. \n\nThe responsibility of a Data Furnisher, I am relying on is based on FCRA FDCPA and e- cfr. \n\nhttps : //www.ecfr.gov/cgi-bin/text-idx? XXXX & mc=true & XXXX & XXXX For the CRA 's - Its simply FCRA. \n\nXXXX Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have attached the description from XXXX as XXXX XXXX Ingredients, the source. XXXX Scoring calculations, are not different for each CRA. \nPayment History Amount of Debt Length of Credit History Amount of New Credit Credit mix Understanding this by then sending data to a CRA, maliciously / intentionally / or ignorantly data, that should be known with forethought, validation and oversight / QA, as the result becomes almost unreasonable to me, and then industry, governance, legal and compliance expectations. It is not until missed payments, collections and the like occur does the data go so far south that one must question its intent. \n\nIT testing, when files are sent or built, are part of a typical SDLC where expected results are defined. Comenity - XXXX is in acceptance of the demonstrative issues in this complaint, or any previous as their normal standard of delivery - and standards. \n\nI will also share what I have learned, painfully, for and to all consumers who see your entity on their report for this journey. \n\nPlease Fix the tradeline so that the data collected from your systems, is produced in a file that is Metro2 compliant, sent to a CRA, and then as a Debt collector - or delete it. \nThe Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. \n\nXXXX in theory verifies the true expected results XXXX is saying is acceptable. \n\nSee attached, for specific complaint details. \n\nThis complaint is based on FCRA and FDCPA. \n\nMetro2 guidelines are the standard. \n\nDOFD/FACRA Date, FCRA - accuracy in reporting, Charge off balances, Pay History - Balance History and Rating History - and false/malicious data - being reported on my tradelines at all 3 CRA 's They are included in this complaint.","date_sent_to_company":"2021-07-22T12:12:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4541684","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2021-07-14T16:01:16.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Metro2</em> <em>guidelines</em> are the standard. \n\nDOFD/FACRA Date, FCRA - <em>accuracy</em> in reporting, Charge off balances, Pay History - Balance History and Rating History - and false/malicious <em>data</em> - being reported on my tradelines at all 3 CRA 's They are included in this complaint."]},"sort":[23.912598,"4541684"]},{"_index":"complaint-public-v1","_id":"4541686","_score":23.89229,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is not a duplicate complaint, please do not flag this as such. \n\nI am XXXX XXXX, and I alone, am submitting this complaint. \n\nI am not willing to be the middleman in this issue, as it is ultimately between you as a XXXX XXXX XXXX XXXX - XXXX ) and the CRAs. \n\nXXXX  - XXXX, is the Tradeline The request is to fix your data and in compliance with Metro2 data standards, so the record in your system - produces itself in a file then sent to a consumer profile/report correctly or delete it. \n\nPlease let this complaint, reiterate the Do not Contact request previously supplied to you, except and as allowed through this portal, and then the laws that govern them. \n\nThis complaint, nor the previous one - was never a request to validate any alleged debt. Instead, it is and was based on this Data Furnisher ( XXXX - XXXX ) reporting inaccurate, incomplete and then misleading data intentionally - to CRA 's, and have failed to respond to the noted issues. \n\nThe responsibility of a Data Furnisher, I am relying on is based on FCRA FDCPA and e- cfr. \n\nhttps : //www.ecfr.gov/cgi-bin/text-idx? XXXX & XXXX & XXXX & XXXX For the CRA 's - Its simply FCRA. \n\nXXXX Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have attached the description from XXXX  as XXXX  XXXX Ingredients, the source. XXXX Scoring calculations, are not different for each CRA. \nPayment History Amount of Debt Length of Credit History Amount of New Credit Credit mix Understanding this by then sending data to a CRA, maliciously / intentionally / or ignorantly data, that should be known with forethought, validation and oversight / QA, as the result becomes almost unreasonable to me, and then industry, governance, legal and compliance expectations. It is not until missed payments, collections and the like occur does the data go so far south that one must question its intent. \n\nIT testing, when files are sent or built, are part of a typical SDLC where expected results are defined. XXXX  - XXXX is in acceptance of the demonstrative issues in this complaint, or any previous as their normal standard of delivery - and standards. \n\nI will also share what I have learned, painfully, for and to all consumers who see your entity on their report for this journey. \n\nPlease Fix the tradeline so that the data collected from your systems, is produced in a file that is Metro2 compliant, sent to a CRA, and then as a Debt collector - or delete it. \nThe Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. \n\nXXXX in theory verifies the true expected results XXXX is saying is acceptable. \n\nSee attached, for specific complaint details. \n\nThis complaint is based on FCRA and FDCPA. \n\nMetro2 guidelines are the standard. \n\nDOFD/FACRA Date, FCRA - accuracy in reporting, Charge off balances, Pay History - Balance History and Rating History - and false/malicious data - being reported on my tradelines at all 3 CRA 's They are included in this complaint.","date_sent_to_company":"2021-07-22T12:12:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4541686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-07-14T16:17:47.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Metro2</em> <em>guidelines</em> are the standard. \n\nDOFD/FACRA Date, FCRA - <em>accuracy</em> in reporting, Charge off balances, Pay History - Balance History and Rating History - and false/malicious <em>data</em> - being reported on my tradelines at all 3 CRA 's They are included in this complaint."]},"sort":[23.89229,"4541686"]},{"_index":"complaint-public-v1","_id":"8019402","_score":23.608318,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to raise a severe issue regarding multiple accounts listed on my credit report, which contain inaccuracies, violations of federal laws, and reinserted fraudulent entries. These accounts include derogatory information from multiple creditors, namely 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 \nThese accounts violate federal laws including the Fair Credit Reporting Act ( FCRA ) and Metro2 guidelines, displaying incorrect information such as inaccurate balances, misleading status descriptions, and disregard for required dispute comments. The numerous accounts with derogatory status have adversely impacted my credit profile, in defiance of consumer protection laws. \n\nAdditionally, the reinsertion of previously disputed accounts and insertion of fraudulent names, particularly XXXX XXXX XXXX XXXX ' which does not reflect my legal name XXXX XXXX XXXX XXXX demonstrate a flagrant violation of my rights to accurate and fair reporting. \n\nI demand an immediate, thorough investigation into these egregious violations and prompt removal of all inaccurate and reinserted entries from my credit report. Further, I expect adherence to Metro2 guidelines, FCRA requirements, XXXX CFPB, and XXXX data breach obligations. \n\nYour compliance with rectifying these breaches is not only obligatory but imperative to restore my rightful credit accuracy and consumer rights. Any delay or failure to resolve this matter with urgency will result in escalated legal actions to enforce my rights as a consumer. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-12-18T22:49:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93307","tags":null,"has_narrative":true,"complaint_id":"8019402","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-18T22:12:48.000Z","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":["Further, I expect adherence to <em>Metro2</em> <em>guidelines</em>, FCRA requirements, XXXX CFPB, and XXXX <em>data</em> breach obligations. \n\nYour <em>compliance</em> with rectifying these breaches is not only obligatory but imperative to restore my rightful credit <em>accuracy</em> and consumer rights. Any delay or failure to resolve this matter with urgency will result in escalated legal actions to enforce my rights as a consumer. \n\nSincerely, XXXX XXXX"]},"sort":[23.608318,"8019402"]},{"_index":"complaint-public-v1","_id":"12879206","_score":22.428625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against all three major credit reporting agenciesEquifax, Experian, and TransUnionfor multiple violations of federal law regarding the inaccurate and fraudulent reporting of several accounts and inquiries on my credit profile. I have previously disputed these items in writing, and despite providing comprehensive documentation including ID, Social Security card, police reports, and proof of address, the bureaus have failed to remove, block, or properly investigate the disputed accounts and late payment records.\n\nThese failures constitute violations under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act, and the Identity Theft and Assumption Deterrence Act, as well as Florida state law. Furthermore, the accounts and late payment notations fail to meet Metro2 compliance standards required for accurate credit reporting. \n\nDisputed Accounts and Violations : XXXX XXXX XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; FDCPA 1692g ; Metro2 ; 15 U.S.C. 1681 Action Requested : Immediate removal and blocking under FCRA 605B. \n\nXXXX  Account XXXX : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. \n\nXXXX XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. \n\nXXXX  Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. \n\nXXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. \n\nXXXX XXXX XXXX XXXX XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ) ; FDCPA 1692g ; Metro2 Action Requested : Removal of all late payments and correction of any derogatory data. \n\nXXXXXXXX XXXX ( Credit Card ) Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ) ; FDCPA 1692g ; Metro2 Action Requested : Removal of all late payments and accurate correction. \n\nAdditional Issues : Fraudulent Inquiries : XXXX XXXX and additional inquiries were made without authorization or permissible purpose. \nViolations : FCRA 604 ( a ) ; Action Requested : Immediate removal.\n\nIncorrect Address Reporting : XXXX XXXX XXXX XXXX appears on my report without any association to me.\n\nAction Requested : Remove the address and restrict future association. \n\nFederal Law Violations Cited : FCRA, 15 U.S.C. 1681 et seq.\n\n607 ( b ) : Duty to ensure maximum possible accuracy 611 ( a ) ( 1 ) ( A ) : 30-day dispute investigation requirement 611 ( a ) ( 6 ) : Reinvestigation duties 605B : Block of information resulting from identity theft FDCPA, 15 U.S.C. 1692g : Validation of debts within 5 days Gramm-Leach-Bliley Act, 15 U.S.C. 68016809 : Data protection and security Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Florida Statutes 817.568 : Identity theft as a felony offense FTC Guidelines 15 U.S.C. 1681g ( e ) : Rights of identity theft victims Demands to the CFPB : Investigate and Enforce Compliance : Compel all three bureaus to investigate properly, block fraudulent accounts, and remove all derogatory data per FCRA 605B.\n\nEnforce Late Payment Removal : Specifically enforce the removal of late payments from XXXX and XXXX accounts. \n\nEnforce Metro2 Compliance : Ensure the bureaus follow CDIA Metro2 standards for accurate data formatting and reporting.\n\nCorrect All Errors Across All Bureaus : Ensure consistency of information across Equifax, Experian, and TransUnion.\n\nProvide Written Confirmation : I request documented confirmation that each bureau has complied with the law and corrected my record.","date_sent_to_company":"2025-04-08T19:07:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33484","tags":null,"has_narrative":true,"complaint_id":"12879206","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-08T18:58:35.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["theft as a felony offense FTC <em>Guidelines</em> 15 U.S.C. 1681g ( e ) : Rights of identity theft victims Demands to the CFPB : Investigate and Enforce <em>Compliance</em> : Compel all three bureaus to investigate properly, block fraudulent accounts, and remove all derogatory <em>data</em> per FCRA 605B."]},"sort":[22.428625,"12879206"]},{"_index":"complaint-public-v1","_id":"12887406","_score":22.30695,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against all three major credit reporting agenciesEquifax, Experian, and TransUnionfor multiple violations of federal law regarding the inaccurate and fraudulent reporting of several accounts and inquiries on my credit profile. I have previously disputed these items in writing, and despite providing comprehensive documentation including ID, Social Security card, police reports, and proof of address, the bureaus have failed to remove, block, or properly investigate the disputed accounts and late payment records.\n\nThese failures constitute violations under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act, and the Identity Theft and Assumption Deterrence Act, as well as Florida state law. Furthermore, the accounts and late payment notations fail to meet Metro2 compliance standards required for accurate credit reporting. \n\nDisputed Accounts and Violations : XXXX XXXX XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; FDCPA 1692g ; Metro2 ; 15 U.S.C. 1681 Action Requested : Immediate removal and blocking under FCRA 605B. \n\nXXXX  Account XXXX : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. \n\nXXXX XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. \n\nXXXX  Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. \n\nXXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. \n\nXXXX XXXX XXXX XXXX XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ) ; FDCPA 1692g ; Metro2 Action Requested : Removal of all late payments and correction of any derogatory data. \n\nXXXXXXXX XXXX ( Credit Card ) Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ) ; FDCPA 1692g ; Metro2 Action Requested : Removal of all late payments and accurate correction. \n\nAdditional Issues : Fraudulent Inquiries : XXXX XXXX and additional inquiries were made without authorization or permissible purpose. \nViolations : FCRA 604 ( a ) ; Action Requested : Immediate removal.\n\nIncorrect Address Reporting : XXXX XXXX XXXX XXXX appears on my report without any association to me.\n\nAction Requested : Remove the address and restrict future association. \n\nFederal Law Violations Cited : FCRA, 15 U.S.C. 1681 et seq.\n\n607 ( b ) : Duty to ensure maximum possible accuracy 611 ( a ) ( 1 ) ( A ) : 30-day dispute investigation requirement 611 ( a ) ( 6 ) : Reinvestigation duties 605B : Block of information resulting from identity theft FDCPA, 15 U.S.C. 1692g : Validation of debts within 5 days Gramm-Leach-Bliley Act, 15 U.S.C. 68016809 : Data protection and security Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Florida Statutes 817.568 : Identity theft as a felony offense FTC Guidelines 15 U.S.C. 1681g ( e ) : Rights of identity theft victims Demands to the CFPB : Investigate and Enforce Compliance : Compel all three bureaus to investigate properly, block fraudulent accounts, and remove all derogatory data per FCRA 605B.\n\nEnforce Late Payment Removal : Specifically enforce the removal of late payments from XXXX and XXXX accounts. \n\nEnforce Metro2 Compliance : Ensure the bureaus follow CDIA Metro2 standards for accurate data formatting and reporting.\n\nCorrect All Errors Across All Bureaus : Ensure consistency of information across Equifax, Experian, and TransUnion.\n\nProvide Written Confirmation : I request documented confirmation that each bureau has complied with the law and corrected my record.","date_sent_to_company":"2025-04-08T19:07:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33484","tags":null,"has_narrative":true,"complaint_id":"12887406","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-08T19:07:07.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["theft as a felony offense FTC <em>Guidelines</em> 15 U.S.C. 1681g ( e ) : Rights of identity theft victims Demands to the CFPB : Investigate and Enforce <em>Compliance</em> : Compel all three bureaus to investigate properly, block fraudulent accounts, and remove all derogatory <em>data</em> per FCRA 605B."]},"sort":[22.30695,"12887406"]},{"_index":"complaint-public-v1","_id":"12869883","_score":22.255487,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against all three major credit reporting agenciesEquifax, Experian, and TransUnionfor multiple violations of federal law regarding the inaccurate and fraudulent reporting of several accounts and inquiries on my credit profile. I have previously disputed these items in writing, and despite providing comprehensive documentation including ID, Social Security card, police reports, and proof of address, the bureaus have failed to remove, block, or properly investigate the disputed accounts and late payment records.\n\nThese failures constitute violations under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act, and the Identity Theft and Assumption Deterrence Act, as well as Florida state law. Furthermore, the accounts and late payment notations fail to meet Metro2 compliance standards required for accurate credit reporting. \n\nDisputed Accounts and Violations : XXXX XXXX XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; FDCPA 1692g ; Metro2 ; 15 U.S.C. 1681 Action Requested : Immediate removal and blocking under FCRA 605B. \n\nXXXX  Account XXXX : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. \n\nXXXX XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. \n\nXXXX  Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. \n\nXXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ) ; Metro2 ; 15 U.S.C. 1681 Action Requested : Removal and blocking of account. \n\nXXXX XXXX XXXX XXXX XXXX Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ) ; FDCPA 1692g ; Metro2 Action Requested : Removal of all late payments and correction of any derogatory data. \n\nXXXXXXXX XXXX ( Credit Card ) Account # : XXXX Violations : FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 6 ) ; FDCPA 1692g ; Metro2 Action Requested : Removal of all late payments and accurate correction. \n\nAdditional Issues : Fraudulent Inquiries : XXXX XXXX and additional inquiries were made without authorization or permissible purpose. \nViolations : FCRA 604 ( a ) ; Action Requested : Immediate removal.\n\nIncorrect Address Reporting : XXXX XXXX XXXX XXXX appears on my report without any association to me.\n\nAction Requested : Remove the address and restrict future association. \n\nFederal Law Violations Cited : FCRA, 15 U.S.C. 1681 et seq.\n\n607 ( b ) : Duty to ensure maximum possible accuracy 611 ( a ) ( 1 ) ( A ) : 30-day dispute investigation requirement 611 ( a ) ( 6 ) : Reinvestigation duties 605B : Block of information resulting from identity theft FDCPA, 15 U.S.C. 1692g : Validation of debts within 5 days Gramm-Leach-Bliley Act, 15 U.S.C. 68016809 : Data protection and security Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Florida Statutes 817.568 : Identity theft as a felony offense FTC Guidelines 15 U.S.C. 1681g ( e ) : Rights of identity theft victims Demands to the CFPB : Investigate and Enforce Compliance : Compel all three bureaus to investigate properly, block fraudulent accounts, and remove all derogatory data per FCRA 605B.\n\nEnforce Late Payment Removal : Specifically enforce the removal of late payments from XXXX and XXXX accounts. \n\nEnforce Metro2 Compliance : Ensure the bureaus follow CDIA Metro2 standards for accurate data formatting and reporting.\n\nCorrect All Errors Across All Bureaus : Ensure consistency of information across Equifax, Experian, and TransUnion.\n\nProvide Written Confirmation : I request documented confirmation that each bureau has complied with the law and corrected my record.","date_sent_to_company":"2025-04-08T19:07:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33484","tags":null,"has_narrative":true,"complaint_id":"12869883","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-08T19:07:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["theft as a felony offense FTC <em>Guidelines</em> 15 U.S.C. 1681g ( e ) : Rights of identity theft victims Demands to the CFPB : Investigate and Enforce <em>Compliance</em> : Compel all three bureaus to investigate properly, block fraudulent accounts, and remove all derogatory <em>data</em> per FCRA 605B."]},"sort":[22.255487,"12869883"]},{"_index":"complaint-public-v1","_id":"14654013","_score":22.21832,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I mailed a formal Request for Information ( RQI ) to Midland demanding documentation to validate the debt. I gave them 30 days to respond under federal dispute procedure. As of today, they have not provided a single document listed below which they are obligated to provide under FDCPA 809 ( b ) and FCRA 1681i ( a ). \nRequested Items ( Ignored ) -The Original signed contract or application for credit - Complete chain of assignment ( Forward Flow, Purchase Agreement, Bill of Sale ) - Full billing statements from the original creditor - Proof of Midlands legal right to collect ( standing ) - Metro2 compliance audit or internal reporting data - Proof of permissible purpose under FCRA 1681b - Verification of identity matching procedures - Explanation of how account was verified despite an FTC identity theft affidavit on file -Proof of bonding or insurance claim attached to this debt Their failure to provide any of the above violates FDCPA 809 ( b ) and FCRA 1681i ( a ) ( 1 ). \nIn addition ; on XX/XX/XXXX, I submitted an official FTC Identity Theft Affidavit, clearly identifying the Midland tradeline as fraudulent. Under FCRA 1681c-2 ( a ), the furnisher is required to block and delete this tradeline within 4 business days.\n\nThey did not delete the account. Instead, they continued to report it to the credit bureaus, in full violation of federal law. Their conduct directly violates FTC guidelines on identity theft and constitutes willful noncompliance. Despite receiving legal notice of dispute and identity theft, Midland continued collection attempts including what appeared to be a deceptive attempt at mock service ( papers without envelope, no judges signature, and no proper court markings ). \nThis behavior is : Coercive : Reporting derogatory data to pressure payment despite no lawful proof Extortionate ( civil context ) : Attempting to extract payment by falsely implying legal action Deceptive service : Threatening sheriff delivery of paperwork without legal filing Violates : FDCPA XXXX ( XXXX ) Threatening legal action not intended or permitted FDCPA 807 ( 10 ) Use of false or deceptive means FDCPA 808 ( 8 ) Use of identifying info on unsealed mail ( Midland name on papers ) FDCPA 805 ( b ) Communicating about a debt with third parties ( my family ) Midlands reporting also violates Metro2 format compliance, which requires : Accurate payment status matching across bureaus, Correct balance and charge-off status, Accurate date of last activity and date opened and Uniform high credit limits and terms Inconsistencies were found across Experian, TransUnion, and Equifax, including : Mismatched balance data Incorrect open/close dates Conflicting payment status info Inaccurate high credit / charge-off reporting This violates : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy Metro2 Compliance Guidelines ( CRA Data Furnisher Agreement ) By failing to respond to the RQI and by continuing to report after I disputed and submitted identity theft evidence, Midland violated : FCRA 1681s-2 ( b ) Duty to reinvestigate upon notice of dispute FCRA 1681i ( a ) ( 1 ) Failure to conduct a reasonable investigation FDCPA 807 ( 8 ) Threatening legal outcomes not permitted or backed by proof Under the Gramm-Leach-Bliley Act, Midland is required to safeguard consumer data and avoid improper disclosure or use. Their continued handling of disputed/identity theft-linked data despite notification constitutes : GLBA 68016809 violations ( failure to ensure privacy and integrity of consumer data ) Potential breaches of data minimization and sharing rules with CRAs Supporting Case Laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Continuing collection after receiving dispute letter violates FDCPA 809 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX All collection activity must cease pending proper validation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX credit reporting = third-party communication XXXX XXXX Midland, XXXX XXXX XXXX. XXXX XXXX Credit reporting is a collection act under FDCPA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Reporting to pressure payment is a form of coercion","date_sent_to_company":"2025-07-14T08:42:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"82009","tags":null,"has_narrative":true,"complaint_id":"14654013","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-07-14T08:03:03.000Z","state":"WY","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["/ charge-off reporting This violates : FCRA 1681e ( b ) Failure to maintain maximum possible <em>accuracy</em> <em>Metro2</em> <em>Compliance</em> <em>Guidelines</em> ( CRA <em>Data</em> Furnisher Agreement ) By failing to respond to the RQI and by continuing to report after I disputed and submitted identity theft evidence, Midland violated : FCRA 1681s-2 ( b ) Duty to reinvestigate upon notice of dispute FCRA 1681i ( a ) ( 1 ) Failure to conduct a reasonable investigation FDCPA 807 ( 8 ) Threatening legal outcomes not permitted or backed"]},"sort":[22.21832,"14654013"]},{"_index":"complaint-public-v1","_id":"12602875","_score":21.766775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : Subject : Dispute of Charge-Off Accounts ( 1099-C ) Request for Removal Based on FCRA Violations and Identity Theft Protections I am writing to dispute several charge-off accounts listed on my credit report, which I believe were reported in violation of federal law. Specifically, I am requesting the removal of these accounts that have been marked as Charge-Off and reported as 1099-C ( Cancellation of Debt ). Upon review, I believe these accounts may have been reported erroneously or were the result of identity theft. I am invoking the provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1666b, 15 U.S.C. 1681i, 15 U.S.C. 1681s-2, and 15 U.S.C. 1681c-2 ( c ) ( a ), as well as Metro2 compliance standards, to request the immediate investigation and removal of these accounts.\n\nBelow are the accounts that are being disputed : Account Name : XXXX ; Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) Account Name : XXXX XXXX XXXX  XXXX ; Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) Account Name : XXXX XXXX  ; Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) Legal Grounds for Dispute 1. 15 U.S.C. 1666b Reporting of Charge-Offs Under 15 U.S.C. 1666b, creditors are required to provide accurate and timely reporting of charge-offs and cancellations of debt. If the creditor has reported the debt as a Charge-Off but has failed to provide proper documentation or did not follow the correct process of notifying the consumer, this constitutes an error in reporting. If I did not receive proper documentation of the charge-off or the cancellation of debt ( 1099-C ), or if the account was settled or disputed, the charge-off should be removed.\n\n2. 15 U.S.C. 1681i Dispute Resolution Process Under 15 U.S.C. 1681i, when a consumer disputes information on their credit report, the credit reporting agency must conduct a reasonable investigation within 30 days to verify the accuracy of the reported information. If the information can not be verified, it must be removed. Given that these charge-off accounts may not be accurate or may have been reported under false pretenses, I request that you investigate these entries and provide me with written confirmation of the findings. If the accounts are unverifiable, they must be deleted from my credit report.\n\n3. 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information Under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate data to the credit bureaus. This includes the responsibility to investigate disputed information and correct any inaccuracies. If the creditor or lender who reported these charge-offs has failed to verify the information or provide accurate reporting, they are in violation of this provision, and the credit reporting agencies are required to remove the information from my report.\n\n4. 15 U.S.C. 1681c-2 ( c ) ( a ) Removal of Information Due to Identity Theft Under 15 U.S.C. 1681c-2 ( c ) ( a ), if any information on my credit report is a result of identity theft, the credit reporting agency must block and remove this information within 4 business days of receiving a complaint consisting of the relevant details. I believe some of the charge-off accounts in question may be the result of fraudulent activity or identity theft. As such, I am requesting that you treat these accounts as potentially fraudulent and immediately block and remove these accounts from my credit report.\n\n5. Metro2 Compliance and FCRA Guidelines The credit reporting agency must comply with the Metro2 guidelines for the accurate reporting of charge-off accounts and other credit data. If these charge-offs do not comply with the Metro2 standards or the FCRA, they must be corrected or removed. This includes ensuring that the data is accurate, the correct codes are used, and the reporting is made in compliance with the law. If any of these accounts were reported incorrectly under Metro2 guidelines, I request they be removed.\n\nRequest for Immediate Action I respectfully request the following actions be taken : 1. Remove any charge-off accounts that have been reported in violation of 15 U.S.C. 1666b, including those that may lack proper documentation or the correct reporting of the cancellation of debt ( 1099-C ).\n\n2. Remove any disputed charge-off accounts under 15 U.S.C. 1681i that can not be verified by the creditor or furnishers of the information.\n\n3. Remove any charge-off accounts reported under 15 U.S.C. 1681s-2 that have been inaccurately reported by the furnisher of information.\n\n4. Block and remove any charge-off accounts that I identify as fraudulent or related to identity theft, in compliance with 15 U.S.C. 1681c-2 ( c ) ( a ), and ensure that these accounts are removed within 4 business days.\n\n5. Ensure that all charge-off accounts comply with Metro2 Compliance standards and FCRA regulations .\n\nPlease conduct a thorough investigation and provide me with the results of your findings within the 30-day period required under 15 U.S.C. 1681i. If the information is found to be unverifiable or inaccurate, I request that these charge-off accounts be deleted from my credit report. Additionally, if the investigation determines that any of the charge-offs are the result of identity theft or fraudulent activity, I request that you block and remove these entries from my report in compliance with the FCRA and 15 U.S.C. 1681c-2 ( c ) ( a ).\n\nIf any of the charge-off accounts are found to be valid and accurate, I request that you provide supporting documentation that verifies the legitimacy of these entries, including proof of my authorization or any supporting agreements.\n\nThank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of these erroneous charge-off accounts and any other necessary corrections to my credit report. Sincerely\n, XXXX XXXX XXXX XX/XX/XXXX XXXX","date_sent_to_company":"2025-03-21T22:20:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94806","tags":null,"has_narrative":true,"complaint_id":"12602875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-21T22:14:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Metro2</em> <em>Compliance</em> and FCRA <em>Guidelines</em> The credit reporting agency must comply with the <em>Metro2</em> <em>guidelines</em> for the accurate reporting of charge-off accounts and other credit <em>data</em>. If these charge-offs do not comply with the <em>Metro2</em> standards or the FCRA, they must be corrected or removed. This includes ensuring that the <em>data</em> is accurate, the correct codes are used, and the reporting is made in <em>compliance</em> with the law."]},"sort":[21.766775,"12602875"]},{"_index":"complaint-public-v1","_id":"12599969","_score":21.766775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : Subject : Dispute of Charge-Off Accounts ( 1099-C ) Request for Removal Based on FCRA Violations and Identity Theft Protections I am writing to dispute several charge-off accounts listed on my credit report, which I believe were reported in violation of federal law. Specifically, I am requesting the removal of these accounts that have been marked as Charge-Off and reported as 1099-C ( Cancellation of Debt ). Upon review, I believe these accounts may have been reported erroneously or were the result of identity theft. I am invoking the provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1666b, 15 U.S.C. 1681i, 15 U.S.C. 1681s-2, and 15 U.S.C. 1681c-2 ( c ) ( a ), as well as Metro2 compliance standards, to request the immediate investigation and removal of these accounts.\n\nBelow are the accounts that are being disputed : Account Name : XXXX ; Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) Account Name : XXXX XXXX XXXX  XXXX ; Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) Account Name : XXXX XXXX  ; Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) Legal Grounds for Dispute 1. 15 U.S.C. 1666b Reporting of Charge-Offs Under 15 U.S.C. 1666b, creditors are required to provide accurate and timely reporting of charge-offs and cancellations of debt. If the creditor has reported the debt as a Charge-Off but has failed to provide proper documentation or did not follow the correct process of notifying the consumer, this constitutes an error in reporting. If I did not receive proper documentation of the charge-off or the cancellation of debt ( 1099-C ), or if the account was settled or disputed, the charge-off should be removed.\n\n2. 15 U.S.C. 1681i Dispute Resolution Process Under 15 U.S.C. 1681i, when a consumer disputes information on their credit report, the credit reporting agency must conduct a reasonable investigation within 30 days to verify the accuracy of the reported information. If the information can not be verified, it must be removed. Given that these charge-off accounts may not be accurate or may have been reported under false pretenses, I request that you investigate these entries and provide me with written confirmation of the findings. If the accounts are unverifiable, they must be deleted from my credit report.\n\n3. 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information Under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate data to the credit bureaus. This includes the responsibility to investigate disputed information and correct any inaccuracies. If the creditor or lender who reported these charge-offs has failed to verify the information or provide accurate reporting, they are in violation of this provision, and the credit reporting agencies are required to remove the information from my report.\n\n4. 15 U.S.C. 1681c-2 ( c ) ( a ) Removal of Information Due to Identity Theft Under 15 U.S.C. 1681c-2 ( c ) ( a ), if any information on my credit report is a result of identity theft, the credit reporting agency must block and remove this information within 4 business days of receiving a complaint consisting of the relevant details. I believe some of the charge-off accounts in question may be the result of fraudulent activity or identity theft. As such, I am requesting that you treat these accounts as potentially fraudulent and immediately block and remove these accounts from my credit report.\n\n5. Metro2 Compliance and FCRA Guidelines The credit reporting agency must comply with the Metro2 guidelines for the accurate reporting of charge-off accounts and other credit data. If these charge-offs do not comply with the Metro2 standards or the FCRA, they must be corrected or removed. This includes ensuring that the data is accurate, the correct codes are used, and the reporting is made in compliance with the law. If any of these accounts were reported incorrectly under Metro2 guidelines, I request they be removed.\n\nRequest for Immediate Action I respectfully request the following actions be taken : 1. Remove any charge-off accounts that have been reported in violation of 15 U.S.C. 1666b, including those that may lack proper documentation or the correct reporting of the cancellation of debt ( 1099-C ).\n\n2. Remove any disputed charge-off accounts under 15 U.S.C. 1681i that can not be verified by the creditor or furnishers of the information.\n\n3. Remove any charge-off accounts reported under 15 U.S.C. 1681s-2 that have been inaccurately reported by the furnisher of information.\n\n4. Block and remove any charge-off accounts that I identify as fraudulent or related to identity theft, in compliance with 15 U.S.C. 1681c-2 ( c ) ( a ), and ensure that these accounts are removed within 4 business days.\n\n5. Ensure that all charge-off accounts comply with Metro2 Compliance standards and FCRA regulations .\n\nPlease conduct a thorough investigation and provide me with the results of your findings within the 30-day period required under 15 U.S.C. 1681i. If the information is found to be unverifiable or inaccurate, I request that these charge-off accounts be deleted from my credit report. Additionally, if the investigation determines that any of the charge-offs are the result of identity theft or fraudulent activity, I request that you block and remove these entries from my report in compliance with the FCRA and 15 U.S.C. 1681c-2 ( c ) ( a ).\n\nIf any of the charge-off accounts are found to be valid and accurate, I request that you provide supporting documentation that verifies the legitimacy of these entries, including proof of my authorization or any supporting agreements.\n\nThank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of these erroneous charge-off accounts and any other necessary corrections to my credit report. Sincerely\n, XXXX XXXX XXXX XX/XX/XXXX XXXX","date_sent_to_company":"2025-03-21T22:20:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94806","tags":null,"has_narrative":true,"complaint_id":"12599969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-21T22:19:40.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Metro2</em> <em>Compliance</em> and FCRA <em>Guidelines</em> The credit reporting agency must comply with the <em>Metro2</em> <em>guidelines</em> for the accurate reporting of charge-off accounts and other credit <em>data</em>. If these charge-offs do not comply with the <em>Metro2</em> standards or the FCRA, they must be corrected or removed. This includes ensuring that the <em>data</em> is accurate, the correct codes are used, and the reporting is made in <em>compliance</em> with the law."]},"sort":[21.766775,"12599969"]},{"_index":"complaint-public-v1","_id":"12599288","_score":21.714624,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : Subject : Dispute of Charge-Off Accounts ( 1099-C ) Request for Removal Based on FCRA Violations and Identity Theft Protections I am writing to dispute several charge-off accounts listed on my credit report, which I believe were reported in violation of federal law. Specifically, I am requesting the removal of these accounts that have been marked as Charge-Off and reported as 1099-C ( Cancellation of Debt ). Upon review, I believe these accounts may have been reported erroneously or were the result of identity theft. I am invoking the provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1666b, 15 U.S.C. 1681i, 15 U.S.C. 1681s-2, and 15 U.S.C. 1681c-2 ( c ) ( a ), as well as Metro2 compliance standards, to request the immediate investigation and removal of these accounts.\n\nBelow are the accounts that are being disputed : Account Name : XXXX ; Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) Account Name : XXXX XXXX XXXX  XXXX ; Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) Account Name : XXXX XXXX  ; Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) Legal Grounds for Dispute 1. 15 U.S.C. 1666b Reporting of Charge-Offs Under 15 U.S.C. 1666b, creditors are required to provide accurate and timely reporting of charge-offs and cancellations of debt. If the creditor has reported the debt as a Charge-Off but has failed to provide proper documentation or did not follow the correct process of notifying the consumer, this constitutes an error in reporting. If I did not receive proper documentation of the charge-off or the cancellation of debt ( 1099-C ), or if the account was settled or disputed, the charge-off should be removed.\n\n2. 15 U.S.C. 1681i Dispute Resolution Process Under 15 U.S.C. 1681i, when a consumer disputes information on their credit report, the credit reporting agency must conduct a reasonable investigation within 30 days to verify the accuracy of the reported information. If the information can not be verified, it must be removed. Given that these charge-off accounts may not be accurate or may have been reported under false pretenses, I request that you investigate these entries and provide me with written confirmation of the findings. If the accounts are unverifiable, they must be deleted from my credit report.\n\n3. 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information Under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate data to the credit bureaus. This includes the responsibility to investigate disputed information and correct any inaccuracies. If the creditor or lender who reported these charge-offs has failed to verify the information or provide accurate reporting, they are in violation of this provision, and the credit reporting agencies are required to remove the information from my report.\n\n4. 15 U.S.C. 1681c-2 ( c ) ( a ) Removal of Information Due to Identity Theft Under 15 U.S.C. 1681c-2 ( c ) ( a ), if any information on my credit report is a result of identity theft, the credit reporting agency must block and remove this information within 4 business days of receiving a complaint consisting of the relevant details. I believe some of the charge-off accounts in question may be the result of fraudulent activity or identity theft. As such, I am requesting that you treat these accounts as potentially fraudulent and immediately block and remove these accounts from my credit report.\n\n5. Metro2 Compliance and FCRA Guidelines The credit reporting agency must comply with the Metro2 guidelines for the accurate reporting of charge-off accounts and other credit data. If these charge-offs do not comply with the Metro2 standards or the FCRA, they must be corrected or removed. This includes ensuring that the data is accurate, the correct codes are used, and the reporting is made in compliance with the law. If any of these accounts were reported incorrectly under Metro2 guidelines, I request they be removed.\n\nRequest for Immediate Action I respectfully request the following actions be taken : 1. Remove any charge-off accounts that have been reported in violation of 15 U.S.C. 1666b, including those that may lack proper documentation or the correct reporting of the cancellation of debt ( 1099-C ).\n\n2. Remove any disputed charge-off accounts under 15 U.S.C. 1681i that can not be verified by the creditor or furnishers of the information.\n\n3. Remove any charge-off accounts reported under 15 U.S.C. 1681s-2 that have been inaccurately reported by the furnisher of information.\n\n4. Block and remove any charge-off accounts that I identify as fraudulent or related to identity theft, in compliance with 15 U.S.C. 1681c-2 ( c ) ( a ), and ensure that these accounts are removed within 4 business days.\n\n5. Ensure that all charge-off accounts comply with Metro2 Compliance standards and FCRA regulations .\n\nPlease conduct a thorough investigation and provide me with the results of your findings within the 30-day period required under 15 U.S.C. 1681i. If the information is found to be unverifiable or inaccurate, I request that these charge-off accounts be deleted from my credit report. Additionally, if the investigation determines that any of the charge-offs are the result of identity theft or fraudulent activity, I request that you block and remove these entries from my report in compliance with the FCRA and 15 U.S.C. 1681c-2 ( c ) ( a ).\n\nIf any of the charge-off accounts are found to be valid and accurate, I request that you provide supporting documentation that verifies the legitimacy of these entries, including proof of my authorization or any supporting agreements.\n\nThank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of these erroneous charge-off accounts and any other necessary corrections to my credit report. Sincerely\n, XXXX XXXX XXXX XX/XX/XXXX XXXX","date_sent_to_company":"2025-03-21T22:20:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94806","tags":null,"has_narrative":true,"complaint_id":"12599288","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-21T22:19:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Metro2</em> <em>Compliance</em> and FCRA <em>Guidelines</em> The credit reporting agency must comply with the <em>Metro2</em> <em>guidelines</em> for the accurate reporting of charge-off accounts and other credit <em>data</em>. If these charge-offs do not comply with the <em>Metro2</em> standards or the FCRA, they must be corrected or removed. This includes ensuring that the <em>data</em> is accurate, the correct codes are used, and the reporting is made in <em>compliance</em> with the law."]},"sort":[21.714624,"12599288"]},{"_index":"complaint-public-v1","_id":"16845413","_score":21.639217,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Gramm-Leach-Bliley Act ( GLBA ). Upon review of my credit file dated XX/XX/2025, I discovered several accounts that are inaccurate, incomplete, and unlawfully reported. \nPlease investigate and remove the following negative accounts that are reported in violation of FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ), as well as Metro-2 Format Compliance : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) Reported as open and in collection with inconsistent status and payment history across bureaus. \nViolates 607 ( b ) for failure to maintain maximum possible accuracy and 623 ( a ) ( 1 ) ( A ) for furnishing incomplete information. \nXXXX. XXXX XXXX XXXX balance and payment history. No permissible purpose under 604 ; fails to validate debt under 609 ( a ) ( 1 ). Data reporting after charge-off constitutes a willful violation under 623 ( a ) ( 2 ). \nXXXX. XXXX XXXX XXXX XXXX XXXX Auto Loan ) Late payments ( XXXX, XXXX, XXXX  days ) are inconsistent across bureaus. Reporting both as agreed and negative simultaneously violates 607 ( b ) and Metro-2 guidelines for uniform reporting. \nXXXX. XXXX XXXX XXXX Charged-off account with paid as agreed remarks on other bureaus. Fails to meet FCRA 607 ( b ) and Metro-2 compliance standards. \nXXXX. XXXX XXXX XXXX Conflicting account status ( closed and open ) and disputed history not properly noted. Violates 623 ( a ) ( 1 ) ( A ) for inaccurate reporting and 611 for failure to conduct a reasonable reinvestigation. \nXXXX. XXXX XXXX Account shows late payment after XXXX balance and closure, violating 607 ( b ) accuracy standards and 623 ( a ) ( 2 ) duty to correct. \nAdditionally, there are inquiries not tied to any valid permissible purpose under FCRA 604 ( a ) ( 3 ). Please verify and delete any inquiries that lack written consumer authorization.\n\nThese reporting errors are serious violations of federal law and may indicate unauthorized third-party data exposure, constituting a data breach under GLBA 501 ( b ). I request full documentation of all entities who have accessed or furnished my information.","date_sent_to_company":"2025-10-27T18:18:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"31907","tags":null,"has_narrative":true,"complaint_id":"16845413","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-27T18:11:17.000Z","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":["Reporting both as agreed and negative simultaneously violates 607 ( b ) and <em>Metro-2</em> <em>guidelines</em> for uniform reporting. \nXXXX. XXXX XXXX XXXX Charged-off account with paid as agreed remarks on other bureaus. Fails to meet FCRA 607 ( b ) and <em>Metro-2</em> <em>compliance</em> standards. \nXXXX. XXXX XXXX XXXX Conflicting account status ( closed and open ) and disputed history not properly noted. Violates 623 ( a ) ( 1 ) ( A ) for inaccurate reporting and 611 for failure to conduct a reasonable reinvestigation."]},"sort":[21.639217,"16845413"]},{"_index":"complaint-public-v1","_id":"4557553","_score":21.503593,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"While I requested DO NOT CONTACT and it was acknowledged by XXXX, it was not adhered to. Please ensure - it is adhered to. \n\nPlease ensure that you ( XXXX XXXX XXXX ) REPORT to the CRAs any details that need to be communicated, corrected or resolved. \n\nI am XXXX XXXX, and I am the author of this dispute. This is NOT a Duplicate complaint, please do not flag it as such. I am not a Credit Repair Organization, nor am I using one I just love the data. \n\nThe screenshots/attachments/data within this complaint - are pulled directly from XXXX and MyEquifax.com with my PII data validated and ensured, for verification and for access to my own, Credit Reports. \n\nThis complaint is a bit long, and detailed, with some technical details within it. Its also discoverable. All the companies within this complaint have an IT team, and developers that created/managed the integrations, built/build or maintain the systems or load the files from Data Furnishers. There is an existing complaint against XXXX  ( XXXX  ), and the complaint number is XXXX-XXXX That complaint - if read, is/was not a simple request of Validation of Debt, it was in detail, and specific to a complaint to XXXX  XXXX ( XXXX  ), and its compliance with Metro2, and its standards - and, then FCRA/FDCPA. While XXXX did make traceable changes in my records at the CRA, they also said that there was nothing wrong, and that they believed that everything was correct. \n\nI am not able to be the middleman. I do not own the data, integrate it, load it or report on it. That stream of activity that occurs, is in fact that of XXXX and Equifax. When there is an error at least in SDLC and then the rules that govern Consumer Data/Data Furnishers/CRAs Requirements through to Expected Results, are defined. When they are defined, they are the rules. \n\nI am pasting below, the responsibilities as a Data Furnisher - I am relying on - XXXX XXXX XXXX XXXXXXXX XXXX  XXXX For Federal Law - Definition of a Creditor and then a Debt Collector, I am relying on - 803 ( 4 ) and ( 6 ) https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text THIS complaint is against XXXX  ( Data Furnisher ) - and, then Equifax ( CRA ) for this line item on my Equifax Report has created this dispute of both FACRA and FDCPA compliance, although there are more XXXX Because the ACCOUNT NUMBER is BLANK on the report from Equifax - XXXX, Open Date XX/XX/21 and Reported Balance XXXX, are the identifiers. Screen shots in the attachment - is also provided. \n\nThis is one complaint, one record, one CRA ( Equifax ). \n\nThere are more, by record, by CRA ( XXXX, XXXX, EQ, XXXX  ) that will be filed. \n\nIt is not a Verification/Validation of Debt, please be so kind as to not treat as such. If in fact an attachment is needed to demonstrate any details of your response I ask that you simply ensure your reporting accurately reflects it as only I can see the letter. The report as you know, is visible to all interested/qualified entities. \nIf you can not resolve the issue please be so kind as to delete your record. \n\nXXXX  as the Data Furnisher has a responsibility to ensure its own datas accuracy. Equifax, as the CRA your responsibility is to ensure it is accurate. Your systems, processes and reporting partnered with the Data Furnisher s actual data is creating an egregious result for consumers. Understanding this and because I am neither the owner of the data, nor the system that receives and produces scores, reports and views of/from this data It is ultimately up to you both. Data Furnisher CRA. To ensure what is sent, is your/the expected result. \n\nI am attaching a detailed XXXX XXXX  - highlighting where the issues are, and I am also attaching the Metro2 specification with the Debt Collector section called out. ***The Header/Footer details in a Metro2, are not specific or keyed, on/to a consumer and are then n/a.\n\nThis document, maps the Metro2 Fields specified for a Debt Collector to a COLLECTION ( 10. ) Section in Equifax. Imbedded, are a pdf, and then the text from the Metro2 guide. This document then, shares the XXXX Record as a comparison. logically laid out in the spreadsheet Tabs. \n\nXXXX and/or Equifax can decide how to resolve this but the data is from XXXX and produced by Equifax. Its wholly misleading, malicious and powerful If I can see it, you all know. \nThere is not an escape button and it has been going on for years. \n\nEquifax /XXXX  1. XXXX XXXX - is not a Creditor/Lender. \n2. XXXX XXXX is a Debt Collector 3. XXXX XXXX is reporting as a Creditor/Lender, with attributes they are directed NOT to send ( See Bonus XXXX  Tab and 5. Collections vs. 10. XXXX Tab ) 4. XXXX Data sent on their files, are outside of Metro2 Standard ( See Metro2 Mapped DC Tab ).\n\n5. Equifax has a Dedicated Section, for COLLECTION ( See 5. Collections vs. 10. XXXX XXXX ) 6. That Section Labeled, Described and Published, by Equifax - defines it usage for Debt Collectors.\n\n7. That Section is 10.\n\n8. The fields are consistent with Metro2 Guidelines when mapped to the accounts.\n\n9. I have mapped it its attached, on the Metro Mapped DC Tab 10. Equifax has a Dedicated Section, for Accounts, Tradelines of Creditors and Lenders 11. That Section Labeled, Described and Published, by Equifax -defines it usage for Creditors/Lenders 12. Equifax - is loading this data 14. Equifax is also publishing this data - for all to see 15. Equifax - if you are the gate keeper, you allow the Trojan Horse to walk right in 16. Even if EQ says this is an expected result - the TRADELINE is INCOMPLETE, and wholly INNACURATE 17. 5.7, says 5.7 XXXX XXXX XXXX ( CLOSED ) 18. The Account is not CLOSED 19. Should XXXX say it is, where is the Date Closed/Activity Designator that is Required of this TYPE of Account? \n20. Then There is no Account Number source Annual Credit Report.com 21. Account Status as per Metro2 this is an INVALID Value.\n\n22. Debt to Credit Ratio, Available Credit, Balance, Pay and Rating History - Can not apply to a Debt Collector as Per Metro2 and, law as their is no CONTRACT 23. Almost every field in the Account Details, can never Apply to a Debt Collector a. Loan Type Can not Apply As Per Metro 2 b. When reporting in this section Creditor Classification is allowing this XXXX XXXX record, to report as a Bank Card - Creditor c. Equifax because you are allowing it its then so impactful, even when paid- the damage is for the duration of the tradeline.\n\nd. Your algorithms pick this up it can be demonstrated There is so much more to whats occurring. \nIf it is happening to me its happening to all and is systematic. \n\nThis took me a while to figure out but, now I get it. \n\nI hope everyone else does/will get it too.","date_sent_to_company":"2021-07-20T14:15:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4557553","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-07-20T14:15:24.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX <em>Data</em> sent on their files, are outside of <em>Metro2</em> Standard ( See <em>Metro2</em> Mapped DC Tab ).\n\n5. Equifax has a Dedicated Section, for COLLECTION ( See 5. Collections vs. 10. XXXX XXXX ) 6. That Section Labeled, Described and Published, by Equifax - defines it usage for Debt Collectors.\n\n7. That Section is 10.\n\n8. The fields are consistent with <em>Metro2</em> <em>Guidelines</em> when mapped to the accounts.\n\n9. I have mapped it its attached, on the Metro Mapped DC Tab 10."]},"sort":[21.503593,"4557553"]},{"_index":"complaint-public-v1","_id":"17541219","_score":21.449732,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit bureaus are currently reporting multiple charge-offs that I have disputed repeatedly, and none of the credit bureaus have provided a single legally required document to validate or verify any of these accounts. The accounts involved include : XXXX XXXX ( {$850.00} ), XXXX XXXX XXXX XXXX ( {$1000.00} ), XXXX XXXX XXXX XXXX ( {$1200.00} ), XXXX  XXXX ( {$1000.00} ), and XXXX XXXX XXXX XXXX ( {$13000.00}, appearing twice ). I have been disputing my own credit reports I am not working with a third party, and I have never claimed identity theft yet all three credit bureaus have repeatedly sent me stall letters claiming the disputes may not have come from me, or telling me to file an identity theft report instead of providing the actual validation required by law. I know my rights, and I know what is legally required to verify a charge-off. To legally verify a charge-off under the FCRA, FDCPA accuracy standards, and Metro-2 reporting guidelines , the credit bureaus must have the original signed contract, the entire account history, the date of first delinquency ( DOFD ), proof of the charge-off calculation, itemized accounting, all statements, proof of legal ownership, chain of title, furnisher investigation records, and the exact Metro-2 status and compliance codes used to classify the account. The credit bureaus have not provided ANY of these documents. Instead, they continue marking these accounts as verified without producing proof, which is a direct violation of FCRA 602 ( maximum accuracy ), FCRA 611 ( a ) ( failure to reinvestigate ), FCRA 623 ( furnishing unverifiable information ), and Metro-2 accuracy standards which prohibit unverifiable furnishing. I have sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and after XXXX rounds of disputes I have still not received one contract, one statement, one DOFD document, or one itemized balance. All I have received are stall letters and automated responses. I am fully aware of the many lawsuits and federal enforcement actions brought against all three credit bureaus for failure to reinvestigate, failure to maintain accuracy, and mishandling consumer data, as well as their well-known data breaches involving consumer information. Do not play with me. The credit bureaus are furnishing unverified, unvalidated, and inaccurate charge-off information, failing to follow federal law, and ignoring the documentation that I am legally entitled to receive. I am filing this CFPB complaint because you are violating the FCRA, Metro-2, and the accuracy standards tied to the FDCPA, and you are continuing to damage my credit with unverified information.","date_sent_to_company":"2025-11-27T00:30:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77375","tags":null,"has_narrative":true,"complaint_id":"17541219","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-27T00:29:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["To legally verify a charge-off under the FCRA, FDCPA <em>accuracy</em> standards, and <em>Metro-2</em> reporting <em>guidelines</em> , the credit bureaus must have the original signed contract, the entire account history, the date of first delinquency ( DOFD ), proof of the charge-off calculation, itemized accounting, all statements, proof of legal ownership, chain of title, furnisher investigation records, and the exact <em>Metro-2</em> status and <em>compliance</em> codes used to classify the account."]},"sort":[21.449732,"17541219"]},{"_index":"complaint-public-v1","_id":"17536428","_score":21.449732,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit bureaus are currently reporting multiple charge-offs that I have disputed repeatedly, and none of the credit bureaus have provided a single legally required document to validate or verify any of these accounts. The accounts involved include : XXXX XXXX ( {$850.00} ), XXXX XXXX XXXX XXXX ( {$1000.00} ), XXXX XXXX XXXX XXXX ( {$1200.00} ), XXXX  XXXX ( {$1000.00} ), and XXXX XXXX XXXX XXXX ( {$13000.00}, appearing twice ). I have been disputing my own credit reports I am not working with a third party, and I have never claimed identity theft yet all three credit bureaus have repeatedly sent me stall letters claiming the disputes may not have come from me, or telling me to file an identity theft report instead of providing the actual validation required by law. I know my rights, and I know what is legally required to verify a charge-off. To legally verify a charge-off under the FCRA, FDCPA accuracy standards, and Metro-2 reporting guidelines , the credit bureaus must have the original signed contract, the entire account history, the date of first delinquency ( DOFD ), proof of the charge-off calculation, itemized accounting, all statements, proof of legal ownership, chain of title, furnisher investigation records, and the exact Metro-2 status and compliance codes used to classify the account. The credit bureaus have not provided ANY of these documents. Instead, they continue marking these accounts as verified without producing proof, which is a direct violation of FCRA 602 ( maximum accuracy ), FCRA 611 ( a ) ( failure to reinvestigate ), FCRA 623 ( furnishing unverifiable information ), and Metro-2 accuracy standards which prohibit unverifiable furnishing. I have sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and after XXXX rounds of disputes I have still not received one contract, one statement, one DOFD document, or one itemized balance. All I have received are stall letters and automated responses. I am fully aware of the many lawsuits and federal enforcement actions brought against all three credit bureaus for failure to reinvestigate, failure to maintain accuracy, and mishandling consumer data, as well as their well-known data breaches involving consumer information. Do not play with me. The credit bureaus are furnishing unverified, unvalidated, and inaccurate charge-off information, failing to follow federal law, and ignoring the documentation that I am legally entitled to receive. I am filing this CFPB complaint because you are violating the FCRA, Metro-2, and the accuracy standards tied to the FDCPA, and you are continuing to damage my credit with unverified information.","date_sent_to_company":"2025-11-27T00:30:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77375","tags":null,"has_narrative":true,"complaint_id":"17536428","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-27T00:29:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["To legally verify a charge-off under the FCRA, FDCPA <em>accuracy</em> standards, and <em>Metro-2</em> reporting <em>guidelines</em> , the credit bureaus must have the original signed contract, the entire account history, the date of first delinquency ( DOFD ), proof of the charge-off calculation, itemized accounting, all statements, proof of legal ownership, chain of title, furnisher investigation records, and the exact <em>Metro-2</em> status and <em>compliance</em> codes used to classify the account."]},"sort":[21.449732,"17536428"]},{"_index":"complaint-public-v1","_id":"17535420","_score":21.449732,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit bureaus are currently reporting multiple charge-offs that I have disputed repeatedly, and none of the credit bureaus have provided a single legally required document to validate or verify any of these accounts. The accounts involved include : XXXX XXXX ( {$850.00} ), XXXX XXXX XXXX XXXX ( {$1000.00} ), XXXX XXXX XXXX XXXX ( {$1200.00} ), XXXX  XXXX ( {$1000.00} ), and XXXX XXXX XXXX XXXX ( {$13000.00}, appearing twice ). I have been disputing my own credit reports I am not working with a third party, and I have never claimed identity theft yet all three credit bureaus have repeatedly sent me stall letters claiming the disputes may not have come from me, or telling me to file an identity theft report instead of providing the actual validation required by law. I know my rights, and I know what is legally required to verify a charge-off. To legally verify a charge-off under the FCRA, FDCPA accuracy standards, and Metro-2 reporting guidelines , the credit bureaus must have the original signed contract, the entire account history, the date of first delinquency ( DOFD ), proof of the charge-off calculation, itemized accounting, all statements, proof of legal ownership, chain of title, furnisher investigation records, and the exact Metro-2 status and compliance codes used to classify the account. The credit bureaus have not provided ANY of these documents. Instead, they continue marking these accounts as verified without producing proof, which is a direct violation of FCRA 602 ( maximum accuracy ), FCRA 611 ( a ) ( failure to reinvestigate ), FCRA 623 ( furnishing unverifiable information ), and Metro-2 accuracy standards which prohibit unverifiable furnishing. I have sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and after XXXX rounds of disputes I have still not received one contract, one statement, one DOFD document, or one itemized balance. All I have received are stall letters and automated responses. I am fully aware of the many lawsuits and federal enforcement actions brought against all three credit bureaus for failure to reinvestigate, failure to maintain accuracy, and mishandling consumer data, as well as their well-known data breaches involving consumer information. Do not play with me. The credit bureaus are furnishing unverified, unvalidated, and inaccurate charge-off information, failing to follow federal law, and ignoring the documentation that I am legally entitled to receive. I am filing this CFPB complaint because you are violating the FCRA, Metro-2, and the accuracy standards tied to the FDCPA, and you are continuing to damage my credit with unverified information.","date_sent_to_company":"2025-11-27T00:30:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77375","tags":null,"has_narrative":true,"complaint_id":"17535420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-27T00:25:07.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["To legally verify a charge-off under the FCRA, FDCPA <em>accuracy</em> standards, and <em>Metro-2</em> reporting <em>guidelines</em> , the credit bureaus must have the original signed contract, the entire account history, the date of first delinquency ( DOFD ), proof of the charge-off calculation, itemized accounting, all statements, proof of legal ownership, chain of title, furnisher investigation records, and the exact <em>Metro-2</em> status and <em>compliance</em> codes used to classify the account."]},"sort":[21.449732,"17535420"]},{"_index":"complaint-public-v1","_id":"17616051","_score":21.34754,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Beginning in early 2024, I identified multiple accounts being reported unlawfully and inaccurately by XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, and XXXX XXXX  across all three nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ). These furnishers have repeatedly violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair and Accurate Credit Transactions Act, and mandatory Metro-2 reporting guidelines, resulting in significant consumer harm.\n\n1. Violations of FCRA 602 & 607 Duty of Maximum Possible Accuracy The information furnished by these companies includes : Incorrect payment histories False delinquency reporting Conflicting balances and dates Improper charge-off coding C-5 Metro-2 errors Continued reporting after factual disputes This shows a systemic failure to maintain maximum possible accuracy as required by law. The data furnished does not match the true account history and contradicts itself across bureaus.\n\n2. Violations of FCRA 611 Failure to Conduct a Lawful Reinvestigation After submitting formal disputes to each bureau, the furnishers did not conduct a good-faith reinvestigation. Instead, they verified information that is : Contradictory Incomplete Unsubstantiated And in some cases, entirely false A verification without evidence violates federal law.\n\n3. Violations of FCRA 609 ( a ) ( 1 ) No Verification or Validation Provided Upon requesting documentation proving the validity of these accounts, the furnishers failed to provide : Any underlying account records Payment histories Contracts or complete account statements System notes or internal investigation details The law requires furnishers to provide documentation supporting the information they are reporting. None was provided.\n\n4. Violations of FCRA 611 ( a ) ( 7 ) Method of Verification Not Supplied Each furnisher refused to disclose the method of verification, including : Who they contacted What documents they reviewed What procedures they followed This is required by statute. Their refusal obstructs transparency and violates the consumers rights under federal law.\n\n5. Metro-2 Reporting Violations Each company is furnishing data that violates : Metro-2 CRRG guidelines CDIA compliance rules Furnisher Accuracy and Integrity Requirements Examples include : Wrong delinquency dates Payment history errors Wrong Date of First Delinquency ( DOFD ) Incorrect current balance and charge-off coding Failure to update accounts after disputes Inconsistent reporting across bureaus Continuing to report derogatory data that is legally unverifiable These errors fall under Metro-2s C-5 classification, indicating major and unacceptable reporting failures. \n\nXXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is reporting : False late payments Conflicting dates Improper charge-off status Inaccurate payment patterns C-5 erroneous reporting Despite disputes, they continued reporting inaccurate and unverifiable data, which demonstrates willful noncompliance. \n\nXXXX. XXXX XXXX XXXX  XXXX and Unverifiable Reporting XXXX XXXX XXXX  is reporting inconsistent information, including : Payment history that does not match the account records Incorrect open/close dates False delinquency not supported by any documentation Failure to correct after disputes Their reinvestigation appears automated and not compliant with federal law. \n\n8. XXXX Failure to Update and Maintain Accuracy XXXX is reporting : Inaccurate payment history Improper delinquency reporting Contradictory status updates No evidence provided to support verification Despite clear dispute evidence, the account was not corrected or updated. \n\n9. XXXX Incorrect Payment Reporting XXXX reported inaccurate derogatory information, including : False missed payments Incorrect payment dates Unverified delinquency status These entries can not be substantiated based on the actual account activity. \n\n10. Violations of FCRA 623 Furnisher Duties All furnishers failed to : Maintain accuracy Update information after a dispute Report only verified information Conduct reasonable investigations Failure to comply with 623 demonstrates negligence or willful misconduct.\n\n11. Damages and Harm Experienced Due to the unlawful reporting, I have suffered : Denied applications Higher interest rates Loss of credit opportunities Unnecessary financial hardship Reputational damage to my creditworthiness I am requesting that the CFPB compel these companies to : 1. Provide full documentation validating all disputed information 2. Correct or delete any and all unverifiable, inaccurate, or incomplete data 3. Comply with FCRA, FACTA, and Metro-2 standards immediately 4. Cease reporting information that can not be legally substantiated I am also reserving my right to pursue civil action under FCRA XXXX for negligent or willful noncompliance.","date_sent_to_company":"2025-12-01T19:44:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"295XX","tags":null,"has_narrative":true,"complaint_id":"17616051","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-01T19:44:06.000Z","state":"SC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Metro-2</em> Reporting Violations Each company is furnishing <em>data</em> that violates : <em>Metro-2</em> CRRG <em>guidelines</em> CDIA <em>compliance</em> rules Furnisher <em>Accuracy</em> and Integrity Requirements Examples include : Wrong delinquency dates Payment history errors Wrong Date of First Delinquency ( DOFD ) Incorrect current balance and charge-off coding Failure to update accounts after disputes Inconsistent reporting across bureaus Continuing to report derogatory <em>data</em> that is legally unverifiable These errors fall under Metro-2s"]},"sort":[21.34754,"17616051"]},{"_index":"complaint-public-v1","_id":"17638719","_score":21.274439,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Beginning in early 2024, I identified multiple accounts being reported unlawfully and inaccurately by XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, and XXXX XXXX  across all three nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ). These furnishers have repeatedly violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair and Accurate Credit Transactions Act, and mandatory Metro-2 reporting guidelines, resulting in significant consumer harm.\n\n1. Violations of FCRA 602 & 607 Duty of Maximum Possible Accuracy The information furnished by these companies includes : Incorrect payment histories False delinquency reporting Conflicting balances and dates Improper charge-off coding C-5 Metro-2 errors Continued reporting after factual disputes This shows a systemic failure to maintain maximum possible accuracy as required by law. The data furnished does not match the true account history and contradicts itself across bureaus.\n\n2. Violations of FCRA 611 Failure to Conduct a Lawful Reinvestigation After submitting formal disputes to each bureau, the furnishers did not conduct a good-faith reinvestigation. Instead, they verified information that is : Contradictory Incomplete Unsubstantiated And in some cases, entirely false A verification without evidence violates federal law.\n\n3. Violations of FCRA 609 ( a ) ( 1 ) No Verification or Validation Provided Upon requesting documentation proving the validity of these accounts, the furnishers failed to provide : Any underlying account records Payment histories Contracts or complete account statements System notes or internal investigation details The law requires furnishers to provide documentation supporting the information they are reporting. None was provided.\n\n4. Violations of FCRA 611 ( a ) ( 7 ) Method of Verification Not Supplied Each furnisher refused to disclose the method of verification, including : Who they contacted What documents they reviewed What procedures they followed This is required by statute. Their refusal obstructs transparency and violates the consumers rights under federal law.\n\n5. Metro-2 Reporting Violations Each company is furnishing data that violates : Metro-2 CRRG guidelines CDIA compliance rules Furnisher Accuracy and Integrity Requirements Examples include : Wrong delinquency dates Payment history errors Wrong Date of First Delinquency ( DOFD ) Incorrect current balance and charge-off coding Failure to update accounts after disputes Inconsistent reporting across bureaus Continuing to report derogatory data that is legally unverifiable These errors fall under Metro-2s C-5 classification, indicating major and unacceptable reporting failures. \n\nXXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is reporting : False late payments Conflicting dates Improper charge-off status Inaccurate payment patterns C-5 erroneous reporting Despite disputes, they continued reporting inaccurate and unverifiable data, which demonstrates willful noncompliance. \n\nXXXX. XXXX XXXX XXXX  XXXX and Unverifiable Reporting XXXX XXXX XXXX  is reporting inconsistent information, including : Payment history that does not match the account records Incorrect open/close dates False delinquency not supported by any documentation Failure to correct after disputes Their reinvestigation appears automated and not compliant with federal law. \n\n8. XXXX Failure to Update and Maintain Accuracy XXXX is reporting : Inaccurate payment history Improper delinquency reporting Contradictory status updates No evidence provided to support verification Despite clear dispute evidence, the account was not corrected or updated. \n\n9. XXXX Incorrect Payment Reporting XXXX reported inaccurate derogatory information, including : False missed payments Incorrect payment dates Unverified delinquency status These entries can not be substantiated based on the actual account activity. \n\n10. Violations of FCRA 623 Furnisher Duties All furnishers failed to : Maintain accuracy Update information after a dispute Report only verified information Conduct reasonable investigations Failure to comply with 623 demonstrates negligence or willful misconduct.\n\n11. Damages and Harm Experienced Due to the unlawful reporting, I have suffered : Denied applications Higher interest rates Loss of credit opportunities Unnecessary financial hardship Reputational damage to my creditworthiness I am requesting that the CFPB compel these companies to : 1. Provide full documentation validating all disputed information 2. Correct or delete any and all unverifiable, inaccurate, or incomplete data 3. Comply with FCRA, FACTA, and Metro-2 standards immediately 4. Cease reporting information that can not be legally substantiated I am also reserving my right to pursue civil action under FCRA XXXX for negligent or willful noncompliance.","date_sent_to_company":"2025-12-01T19:44:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"295XX","tags":null,"has_narrative":true,"complaint_id":"17638719","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-01T19:44:06.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Metro-2</em> Reporting Violations Each company is furnishing <em>data</em> that violates : <em>Metro-2</em> CRRG <em>guidelines</em> CDIA <em>compliance</em> rules Furnisher <em>Accuracy</em> and Integrity Requirements Examples include : Wrong delinquency dates Payment history errors Wrong Date of First Delinquency ( DOFD ) Incorrect current balance and charge-off coding Failure to update accounts after disputes Inconsistent reporting across bureaus Continuing to report derogatory <em>data</em> that is legally unverifiable These errors fall under Metro-2s"]},"sort":[21.274439,"17638719"]},{"_index":"complaint-public-v1","_id":"18040016","_score":21.224957,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Beginning in early 2024, I identified multiple accounts being reported unlawfully and inaccurately by XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, and XXXX XXXX  across all three nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ). These furnishers have repeatedly violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair and Accurate Credit Transactions Act, and mandatory Metro-2 reporting guidelines, resulting in significant consumer harm.\n\n1. Violations of FCRA 602 & 607 Duty of Maximum Possible Accuracy The information furnished by these companies includes : Incorrect payment histories False delinquency reporting Conflicting balances and dates Improper charge-off coding C-5 Metro-2 errors Continued reporting after factual disputes This shows a systemic failure to maintain maximum possible accuracy as required by law. The data furnished does not match the true account history and contradicts itself across bureaus.\n\n2. Violations of FCRA 611 Failure to Conduct a Lawful Reinvestigation After submitting formal disputes to each bureau, the furnishers did not conduct a good-faith reinvestigation. Instead, they verified information that is : Contradictory Incomplete Unsubstantiated And in some cases, entirely false A verification without evidence violates federal law.\n\n3. Violations of FCRA 609 ( a ) ( 1 ) No Verification or Validation Provided Upon requesting documentation proving the validity of these accounts, the furnishers failed to provide : Any underlying account records Payment histories Contracts or complete account statements System notes or internal investigation details The law requires furnishers to provide documentation supporting the information they are reporting. None was provided.\n\n4. Violations of FCRA 611 ( a ) ( 7 ) Method of Verification Not Supplied Each furnisher refused to disclose the method of verification, including : Who they contacted What documents they reviewed What procedures they followed This is required by statute. Their refusal obstructs transparency and violates the consumers rights under federal law.\n\n5. Metro-2 Reporting Violations Each company is furnishing data that violates : Metro-2 CRRG guidelines CDIA compliance rules Furnisher Accuracy and Integrity Requirements Examples include : Wrong delinquency dates Payment history errors Wrong Date of First Delinquency ( DOFD ) Incorrect current balance and charge-off coding Failure to update accounts after disputes Inconsistent reporting across bureaus Continuing to report derogatory data that is legally unverifiable These errors fall under Metro-2s C-5 classification, indicating major and unacceptable reporting failures. \n\nXXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is reporting : False late payments Conflicting dates Improper charge-off status Inaccurate payment patterns C-5 erroneous reporting Despite disputes, they continued reporting inaccurate and unverifiable data, which demonstrates willful noncompliance. \n\nXXXX. XXXX XXXX XXXX  XXXX and Unverifiable Reporting XXXX XXXX XXXX  is reporting inconsistent information, including : Payment history that does not match the account records Incorrect open/close dates False delinquency not supported by any documentation Failure to correct after disputes Their reinvestigation appears automated and not compliant with federal law. \n\n8. XXXX Failure to Update and Maintain Accuracy XXXX is reporting : Inaccurate payment history Improper delinquency reporting Contradictory status updates No evidence provided to support verification Despite clear dispute evidence, the account was not corrected or updated. \n\n9. XXXX Incorrect Payment Reporting XXXX reported inaccurate derogatory information, including : False missed payments Incorrect payment dates Unverified delinquency status These entries can not be substantiated based on the actual account activity. \n\n10. Violations of FCRA 623 Furnisher Duties All furnishers failed to : Maintain accuracy Update information after a dispute Report only verified information Conduct reasonable investigations Failure to comply with 623 demonstrates negligence or willful misconduct.\n\n11. Damages and Harm Experienced Due to the unlawful reporting, I have suffered : Denied applications Higher interest rates Loss of credit opportunities Unnecessary financial hardship Reputational damage to my creditworthiness I am requesting that the CFPB compel these companies to : 1. Provide full documentation validating all disputed information 2. Correct or delete any and all unverifiable, inaccurate, or incomplete data 3. Comply with FCRA, FACTA, and Metro-2 standards immediately 4. Cease reporting information that can not be legally substantiated I am also reserving my right to pursue civil action under FCRA XXXX for negligent or willful noncompliance.","date_sent_to_company":"2025-12-01T19:44:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"295XX","tags":null,"has_narrative":true,"complaint_id":"18040016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-01T19:29:09.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Metro-2</em> Reporting Violations Each company is furnishing <em>data</em> that violates : <em>Metro-2</em> CRRG <em>guidelines</em> CDIA <em>compliance</em> rules Furnisher <em>Accuracy</em> and Integrity Requirements Examples include : Wrong delinquency dates Payment history errors Wrong Date of First Delinquency ( DOFD ) Incorrect current balance and charge-off coding Failure to update accounts after disputes Inconsistent reporting across bureaus Continuing to report derogatory <em>data</em> that is legally unverifiable These errors fall under Metro-2s"]},"sort":[21.224957,"18040016"]},{"_index":"complaint-public-v1","_id":"11959003","_score":20.845278,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal dispute and legal demand for the immediate correction and deletion of an inaccurate late payment reported on my credit file for my XXXX  account ( # XXXX ) in XX/XX/XXXX. This reporting is false, as I have maintained perfect payment history since opening this account in XX/XX/XXXX. \n\nI have never been late on any payment, and this erroneous derogatory mark is a violation of multiple federal laws, causing harm to my credit score and financial reputation. I have already contacted XXXX, and they admitted that this was a mistake on their part, not mine. Despite their promise to correct it, the error persists, which means XXXX and your agency are knowingly reporting inaccurate and unverifiable information in violation of federal law. \n\nLegal Violations Committed : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) You are required to maintain maximum possible accuracy in reporting consumer information. The continued reporting of this false late payment proves negligence in ensuring accuracy. \nFCRA 15 U.S.C. 1681i ( a ) Once a dispute is filed, you must conduct a reasonable reinvestigation within 30 days. If the information can not be verified with certified documentation, it must be deleted immediately. \nFCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX  is prohibited from furnishing inaccurate information to credit bureaus. If they knowingly report false information, they are directly violating the FCRA and subject to legal action. \nFCRA 15 U.S.C. 1681s-2 ( b ) If a consumer disputes an item, the furnisher ( XXXX  ) must conduct a full investigation, correct the record, and notify the credit bureaus. Their failure to do so constitutes reckless disregard for federal law. \nFCRA 15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA makes XXXX and your agency liable for damages, statutory penalties, attorneys fees, and potential class action lawsuits. \nFair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Reporting false credit information is deceptive and unlawful under the FDCPA. Continuing to report a false delinquency after notification is a direct violation of consumer protection laws. \nMetro-2 Compliance Violations The credit reporting industry must adhere to Metro-2 data standards to ensure that reported data is accurate and legally compliant. This erroneous late payment is in direct non-compliance with Metro-2 guidelines and regulatory requirements. \nImmediate Legal Demands : Pursuant to FCRA 15 U.S.C. 1681i, I demand that you : Immediately reinvestigate this inaccurate reporting and provide documentation verifying its accuracy. \nDelete this false late payment entry and provide a corrected credit report. \nNotify me in writing once the correction has been made.","date_sent_to_company":"2025-02-07T03:58:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93277","tags":null,"has_narrative":true,"complaint_id":"11959003","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-07T03:58:30.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Metro-2</em> <em>Compliance</em> Violations The credit reporting industry must adhere to <em>Metro-2</em> <em>data</em> standards to ensure that reported <em>data</em> is accurate and legally compliant. This erroneous late payment is in direct non-<em>compliance</em> with <em>Metro-2</em> <em>guidelines</em> and regulatory requirements. \nImmediate Legal Demands : Pursuant to FCRA 15 U.S.C. 1681i, I demand that you : Immediately reinvestigate this inaccurate reporting and provide documentation verifying its <em>accuracy</em>."]},"sort":[20.845278,"11959003"]},{"_index":"complaint-public-v1","_id":"11959287","_score":20.767023,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal dispute and legal demand for the immediate correction and deletion of an inaccurate late payment reported on my credit file for my XXXX  account ( # XXXX ) in XX/XX/XXXX. This reporting is false, as I have maintained perfect payment history since opening this account in XX/XX/XXXX. \n\nI have never been late on any payment, and this erroneous derogatory mark is a violation of multiple federal laws, causing harm to my credit score and financial reputation. I have already contacted XXXX, and they admitted that this was a mistake on their part, not mine. Despite their promise to correct it, the error persists, which means XXXX and your agency are knowingly reporting inaccurate and unverifiable information in violation of federal law. \n\nLegal Violations Committed : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) You are required to maintain maximum possible accuracy in reporting consumer information. The continued reporting of this false late payment proves negligence in ensuring accuracy. \nFCRA 15 U.S.C. 1681i ( a ) Once a dispute is filed, you must conduct a reasonable reinvestigation within 30 days. If the information can not be verified with certified documentation, it must be deleted immediately. \nFCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX  is prohibited from furnishing inaccurate information to credit bureaus. If they knowingly report false information, they are directly violating the FCRA and subject to legal action. \nFCRA 15 U.S.C. 1681s-2 ( b ) If a consumer disputes an item, the furnisher ( XXXX  ) must conduct a full investigation, correct the record, and notify the credit bureaus. Their failure to do so constitutes reckless disregard for federal law. \nFCRA 15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA makes XXXX and your agency liable for damages, statutory penalties, attorneys fees, and potential class action lawsuits. \nFair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Reporting false credit information is deceptive and unlawful under the FDCPA. Continuing to report a false delinquency after notification is a direct violation of consumer protection laws. \nMetro-2 Compliance Violations The credit reporting industry must adhere to Metro-2 data standards to ensure that reported data is accurate and legally compliant. This erroneous late payment is in direct non-compliance with Metro-2 guidelines and regulatory requirements. \nImmediate Legal Demands : Pursuant to FCRA 15 U.S.C. 1681i, I demand that you : Immediately reinvestigate this inaccurate reporting and provide documentation verifying its accuracy. \nDelete this false late payment entry and provide a corrected credit report. \nNotify me in writing once the correction has been made.","date_sent_to_company":"2025-02-07T03:58:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93277","tags":null,"has_narrative":true,"complaint_id":"11959287","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-07T03:52:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Metro-2</em> <em>Compliance</em> Violations The credit reporting industry must adhere to <em>Metro-2</em> <em>data</em> standards to ensure that reported <em>data</em> is accurate and legally compliant. This erroneous late payment is in direct non-<em>compliance</em> with <em>Metro-2</em> <em>guidelines</em> and regulatory requirements. \nImmediate Legal Demands : Pursuant to FCRA 15 U.S.C. 1681i, I demand that you : Immediately reinvestigate this inaccurate reporting and provide documentation verifying its <em>accuracy</em>."]},"sort":[20.767023,"11959287"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":91,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":91}]}},"product":{"doc_count":91,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":69,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":69}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":15}]}},{"key":"Debt collection","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":3},{"key":"I do not know","doc_count":2},{"key":"Rental debt","doc_count":2}]}}]}},"issue":{"doc_count":91,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":49,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":26},{"key":"Account status incorrect","doc_count":14},{"key":"Account information incorrect","doc_count":5},{"key":"Public record information inaccurate","doc_count":4}]}},{"key":"Improper use of your report","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":16},{"key":"Credit inquiries on your report that you don't recognize","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":7},{"key":"Their investigation did not fix an error on your report","doc_count":4},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was paid","doc_count":2},{"key":"Debt was result of identity theft","doc_count":2},{"key":"Debt is not yours","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":2},{"key":"Their investigation did not fix an error on your report","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Written notification about debt","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":2}]}}]}},"timely":{"doc_count":91,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":91}]}},"company_response":{"doc_count":91,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with non-monetary relief","doc_count":50},{"key":"Closed with explanation","doc_count":41}]}},"submitted_via":{"doc_count":91,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":91}]}},"company":{"doc_count":91,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":29},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":27},{"key":"EQUIFAX, INC.","doc_count":21},{"key":"Bread Financial Holdings, Inc.","doc_count":3},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":2},{"key":"Affirm Holdings, Inc","doc_count":1},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"CBC Companies, Inc.","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"I.C. 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