{"took":347,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":263874,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19724167","_score":20.24567,"_source":{"product":"Mortgage","complaint_what_happened":"I obtained an FHA XXXX ( XXXX ) loan in XXXX XXXX, IN. The mortgage broker I worked with told me I had to use a specific contractor who was approved for their loan program. I was required to sign a waiver stating that the lender was not responsible for contractor damages. The lender approved this contractor for my loan, as well as for others. I learned after renovation work had started that the contractor is not licensed. The renovation work had to be redone per the city inspector and damages resulted in approximately {$30000.00}. Violations include : RESPA section 8 violation, Fraudulent misrepresentation, breach of fiduciary duty, unlawful tying arrangement, Indiana deceptive consumer act, negligent referral, and lender liability for approving an unlicensed contractor for a federally regulated loan program.","date_sent_to_company":"2026-03-02T16:37:45.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"46825","tags":null,"has_narrative":true,"complaint_id":"19724167","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Go Companies, LLC","date_received":"2026-02-24T00:35:48.000Z","state":"IN","company_public_response":null,"sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["Violations include : RESPA section 8 violation, Fraudulent misrepresentation, breach of fiduciary duty, unlawful tying arrangement, Indiana deceptive consumer act, negligent referral, and lender liability for approving an unlicensed <em>contractor</em> for a federally <em>regulated</em> loan program."]},"sort":[20.24567,"19724167"]},{"_index":"complaint-public-v1","_id":"12476189","_score":19.175938,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the inaccurate name variation XXXX XXXX on my credit report, My accurate name is XXXX XXXX XXXX or XXXX XXXX XXXX. Additionally, my accurate address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and my correct employer is Iron Bound Services. These errors must be corrected and updated to their record and ensure compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. Equifax 's failure to correct these inaccuracies constitutes negligent non-compliance under FCRA 15 U.S.C. 1681o and willful non-compliance under FCRA 1681n. These errors have negatively impacted my credit prole and must be corrected immediately to prevent further harm. I request an immediate investigation and correction of my name, address, and employer information to reect accurate records.","date_sent_to_company":"2025-03-14T15:50:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07202","tags":null,"has_narrative":true,"complaint_id":"12476189","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-14T15:38:30.000Z","state":"NJ","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Equifax 's failure to correct these inaccuracies constitutes negligent <em>non-compliance</em> under FCRA 15 U.S.C. 1681o and willful <em>non-compliance</em> under FCRA 1681n. These errors have negatively impacted my credit prole and must be corrected immediately to prevent further harm. I request an immediate investigation and correction of my name, address, and <em>employer</em> information to reect accurate records."]},"sort":[19.175938,"12476189"]},{"_index":"complaint-public-v1","_id":"13478075","_score":18.988735,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Employers : XXXX XXXX  XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nKIKOFF Employers : AIMS COMPANIES","date_sent_to_company":"2025-05-13T13:35:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13478075","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-13T13:35:19.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law.\n\nKIKOFF <em>Employers</em> : AIMS COMPANIES"]},"sort":[18.988735,"13478075"]},{"_index":"complaint-public-v1","_id":"7382181","_score":18.968708,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I applied for a Class A tractor-trailer driving position with a contractor for XX/XX/XXXX. First Advantage ran the background screening and, when finished, submitted a report with incorrect driving information to the contractor and XX/XX/XXXXthat caused me to not get the job. A previous employer submitted correct information to the XXXX driver database, but First Advantage took the info and entered it incorrectly into their system saying I hadn't driven a tractor-trailer for that particular previous employer.","date_sent_to_company":"2023-08-11T01:18:00.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"52404","tags":null,"has_narrative":true,"complaint_id":"7382181","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST ADVANTAGE CORPORATION","date_received":"2023-08-11T00:53:01.000Z","state":"IA","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["A previous <em>employer</em> submitted correct information to the XXXX driver database, but First Advantage took the info and entered it incorrectly into their system saying I hadn't driven a tractor-trailer for that particular previous <em>employer</em>."]},"sort":[18.968708,"7382181"]},{"_index":"complaint-public-v1","_id":"13485815","_score":18.94986,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Employers : XXXX XXXX  XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nKIKOFF Employers : AIMS COMPANIES","date_sent_to_company":"2025-05-13T13:35:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13485815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-13T13:35:19.000Z","state":"IL","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":["This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law.\n\nKIKOFF <em>Employers</em> : AIMS COMPANIES"]},"sort":[18.94986,"13485815"]},{"_index":"complaint-public-v1","_id":"13482619","_score":18.94986,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Employers : XXXX XXXX  XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nKIKOFF Employers : AIMS COMPANIES","date_sent_to_company":"2025-05-13T13:35:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13482619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-13T13:31:50.000Z","state":"IL","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":["This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law.\n\nKIKOFF <em>Employers</em> : AIMS COMPANIES"]},"sort":[18.94986,"13482619"]},{"_index":"complaint-public-v1","_id":"13227792","_score":18.82558,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nI received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX  XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX  XXXX","date_sent_to_company":"2025-04-29T20:00:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62526","tags":null,"has_narrative":true,"complaint_id":"13227792","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-29T19:59:58.000Z","state":"IL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX <em>Employers</em> : XXXX XXXX XXXX XXXX."]},"sort":[18.82558,"13227792"]},{"_index":"complaint-public-v1","_id":"13227793","_score":18.824131,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nI received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX  XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX  XXXX","date_sent_to_company":"2025-04-29T20:00:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62526","tags":null,"has_narrative":true,"complaint_id":"13227793","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-29T19:59:58.000Z","state":"IL","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":["This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX <em>Employers</em> : XXXX XXXX XXXX XXXX."]},"sort":[18.824131,"13227793"]},{"_index":"complaint-public-v1","_id":"13237642","_score":18.820816,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nI received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX  XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX  XXXX","date_sent_to_company":"2025-04-29T20:00:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62526","tags":null,"has_narrative":true,"complaint_id":"13237642","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-29T19:56:14.000Z","state":"IL","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":["This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX <em>Employers</em> : XXXX XXXX XXXX XXXX."]},"sort":[18.820816,"13237642"]},{"_index":"complaint-public-v1","_id":"13485684","_score":18.641205,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\n4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX  The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXXXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXXXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Employers : XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX","date_sent_to_company":"2025-05-13T13:26:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62526","tags":null,"has_narrative":true,"complaint_id":"13485684","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-13T13:20:18.000Z","state":"IL","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":["XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law. \nXXXX XXXX XXXX <em>Employers</em> : XXXX XXXX XXXX"]},"sort":[18.641205,"13485684"]},{"_index":"complaint-public-v1","_id":"13477879","_score":18.634178,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\n4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX  The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXXXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXXXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Employers : XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX","date_sent_to_company":"2025-05-13T13:26:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62526","tags":null,"has_narrative":true,"complaint_id":"13477879","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-13T13:25:52.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law. \nXXXX XXXX XXXX <em>Employers</em> : XXXX XXXX XXXX"]},"sort":[18.634178,"13477879"]},{"_index":"complaint-public-v1","_id":"13484603","_score":18.63415,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\n4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX  The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXXXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXXXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Employers : XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX","date_sent_to_company":"2025-05-13T13:26:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62526","tags":null,"has_narrative":true,"complaint_id":"13484603","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-13T13:25:52.000Z","state":"IL","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":["XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law. \nXXXX XXXX XXXX <em>Employers</em> : XXXX XXXX XXXX"]},"sort":[18.63415,"13484603"]},{"_index":"complaint-public-v1","_id":"12489470","_score":18.630325,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the inaccurate addresses on my credit report. My accurate address is XXXX XXXX XXXX, XXXX, NJ XXXX, and not XXXX XXXX XXXX XXXX XXXX, NJ XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX -these addresses are not mine. My correct employer is XXXX XXXX XXXX and not XXXX XXXX XXXX XXXX XXXX. These errors must be corrected and updated to their record and ensure compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. TransUnion 's failure to correct these inaccuracies constitutes negligent non-compliance under FCRA 15 U.S.C. 1681o and willful non-compliance under FCRA 1681n. These errors have negatively impacted my credit prole and must be corrected immediately to prevent further harm. I request an immediate investigation and correction of my name, address, and employer information to reect accurate records.","date_sent_to_company":"2025-03-14T15:57:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07202","tags":null,"has_narrative":true,"complaint_id":"12489470","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-14T15:50:26.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["My correct <em>employer</em> is XXXX XXXX XXXX and not XXXX XXXX XXXX XXXX XXXX. These errors must be corrected and updated to their record and ensure <em>compliance</em> with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. TransUnion 's failure to correct these inaccuracies constitutes negligent <em>non-compliance</em> under FCRA 15 U.S.C. 1681o and willful <em>non-compliance</em> under FCRA 1681n."]},"sort":[18.630325,"12489470"]},{"_index":"complaint-public-v1","_id":"12488234","_score":18.626759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the inaccurate name variation XXXX XXXX XXXX on my credit report please remove the dash from my name, My accurate name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, my accurate address is XXXX XXXX XXXX, XXXX, NJ XXXX, and not XXXX XXXX XXXX XXXX, NJ XXXX address is not mine. My correct employer is Iron Bound Services. These errors must be corrected and updated to their record and ensure compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. Experian 's failure to correct these inaccuracies constitutes negligent non-compliance under FCRA 15 U.S.C. 1681o and willful non-compliance under FCRA 1681n. These errors have negatively impacted my credit report and must be corrected immediately to prevent further harm. I request an immediate investigation and correction of my name, address, and employer information to reect accurate records.","date_sent_to_company":"2025-03-14T15:36:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07202","tags":null,"has_narrative":true,"complaint_id":"12488234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-14T15:22:05.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["My correct <em>employer</em> is Iron Bound Services. These errors must be corrected and updated to their record and ensure <em>compliance</em> with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. Experian 's failure to correct these inaccuracies constitutes negligent <em>non-compliance</em> under FCRA 15 U.S.C. 1681o and willful <em>non-compliance</em> under FCRA 1681n."]},"sort":[18.626759,"12488234"]},{"_index":"complaint-public-v1","_id":"13485590","_score":18.427488,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.\n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : ICS XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX : ICS XXXX. Inaccurate. Direct violation of XXXX5 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Employers : ICS XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX  Employers : XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX : XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX CO Employers : XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX CO Employers : XXXX XXXX Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX  Employers : XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX  Employers : ICS XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Employers : XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX : XXXX","date_sent_to_company":"2025-05-13T12:03:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13485590","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-13T12:02:38.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX  <em>Employers</em> : ICS XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law."]},"sort":[18.427488,"13485590"]},{"_index":"complaint-public-v1","_id":"13490963","_score":18.417803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.\n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : ICS XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX : ICS XXXX. Inaccurate. Direct violation of XXXX5 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Employers : ICS XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX  Employers : XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX : XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX CO Employers : XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX CO Employers : XXXX XXXX Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX  Employers : XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX  Employers : ICS XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Employers : XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX : XXXX","date_sent_to_company":"2025-05-13T12:03:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13490963","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-13T12:02:38.000Z","state":"IL","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":["XXXX  <em>Employers</em> : ICS XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law."]},"sort":[18.417803,"13490963"]},{"_index":"complaint-public-v1","_id":"13489400","_score":18.4108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.\n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : ICS XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX : ICS XXXX. Inaccurate. Direct violation of XXXX5 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Employers : ICS XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX  Employers : XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX : XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX CO Employers : XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX CO Employers : XXXX XXXX Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX  Employers : XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX  Employers : ICS XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Employers : XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX : XXXX","date_sent_to_company":"2025-05-13T12:03:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13489400","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-13T11:58:10.000Z","state":"IL","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":["XXXX  <em>Employers</em> : ICS XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law."]},"sort":[18.4108,"13489400"]},{"_index":"complaint-public-v1","_id":"13477960","_score":18.184288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.\n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.\n\n6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2024 Employers : XXXX XXXX XXXX XXXX 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2024 Employers : XXXX XXXX XXXX XXXXXXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 9. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 10. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 11. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 12. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 13. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Employers : XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-13T13:54:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13477960","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-13T13:53:42.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law. \nXXXX XXXX <em>Employers</em> : XXXX XXXX XXXX XXXX"]},"sort":[18.184288,"13477960"]},{"_index":"complaint-public-v1","_id":"13484123","_score":18.182499,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.\n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.\n\n6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2024 Employers : XXXX XXXX XXXX XXXX 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2024 Employers : XXXX XXXX XXXX XXXXXXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 9. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 10. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 11. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 12. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 13. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Employers : XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-13T13:54:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13484123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-13T13:49:29.000Z","state":"IL","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":["This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law. \nXXXX XXXX <em>Employers</em> : XXXX XXXX XXXX XXXX"]},"sort":[18.182499,"13484123"]},{"_index":"complaint-public-v1","_id":"13484087","_score":18.177761,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.\n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.\n\n6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2024 Employers : XXXX XXXX XXXX XXXX 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2024 Employers : XXXX XXXX XXXX XXXXXXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 9. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 10. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 11. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 12. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXXXXXX 13. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Employers : XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-13T13:54:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13484087","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-13T13:53:42.000Z","state":"IL","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":["This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law. \nXXXX XXXX <em>Employers</em> : XXXX XXXX XXXX XXXX"]},"sort":[18.177761,"13484087"]},{"_index":"complaint-public-v1","_id":"13424144","_score":18.176762,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nI received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX","date_sent_to_company":"2025-05-09T17:47:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13424144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-09T17:38:30.000Z","state":"IL","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":["This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX <em>Employers</em> : XXXX XXXX XXXX"]},"sort":[18.176762,"13424144"]},{"_index":"complaint-public-v1","_id":"13432695","_score":18.149227,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nI received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX","date_sent_to_company":"2025-05-09T17:47:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13432695","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-09T17:47:01.000Z","state":"IL","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":["This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX <em>Employers</em> : XXXX XXXX XXXX"]},"sort":[18.149227,"13432695"]},{"_index":"complaint-public-v1","_id":"13439462","_score":18.134073,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nI received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX","date_sent_to_company":"2025-05-09T17:47:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13439462","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-09T17:47:01.000Z","state":"IL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for <em>non-compliance</em> with federal law. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX <em>Employers</em> : XXXX XXXX XXXX"]},"sort":[18.134073,"13439462"]},{"_index":"complaint-public-v1","_id":"12909445","_score":17.573967,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I demand that the following account be verified or removed immediately : XXXX  - XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. \nXXXX  - XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - Please delete this to my credit report XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - Please delete this to my credit report Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EMPLOYER - XXXX  EMPLOYER - XXXX  EMPLOYER - XXXX XXXX XXXX","date_sent_to_company":"2025-04-09T13:29:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39350","tags":null,"has_narrative":true,"complaint_id":"12909445","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-09T13:28:53.000Z","state":"MS","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":[". - Please delete this to my credit report Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX <em>EMPLOYER</em> - XXXX  <em>EMPLOYER</em> - XXXX  <em>EMPLOYER</em> - XXXX XXXX XXXX"]},"sort":[17.573967,"12909445"]},{"_index":"complaint-public-v1","_id":"12895648","_score":17.562145,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I demand that the following account be verified or removed immediately : XXXX  - XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. \nXXXX  - XXXX - Under 15 USC 1666B this is a billing error this account was never late and always paid on time. Please remove late payment history and update it to paid as agreed. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C.\n\n1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - Please delete this to my credit report XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - Please delete this to my credit report Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EMPLOYER - XXXX  EMPLOYER - XXXX  EMPLOYER - XXXX XXXX XXXX","date_sent_to_company":"2025-04-09T13:29:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39350","tags":null,"has_narrative":true,"complaint_id":"12895648","timely":"Yes","company_response":"Closed with 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