{"took":1072,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":471,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11161486","_score":21.361593,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/2024, I filed arbitration with File Number XXXX against Gateway, and they have failed to respond to the arbitration proceedings. This failure to respond represents a clear breach of our agreed-upon arbitration agreement. By not participating in the arbitration process, Gateway has demonstrated a willful disregard for the contractual obligations outlined in our original agreement. As the complainant, I maintain the fundamental right to have my disputes heard in arbitration, and Gateway 's non-responsiveness should not prevent me from seeking resolution. Their silence does not negate my right to a fair hearing, and I am prepared to pursue all available legal remedies to ensure my claims are properly addressed. The arbitration administrator should be notified of Gateway 's non-compliance, and I am ready to seek appropriate next steps, which may include further legal enforcement of the arbitration process.","date_sent_to_company":"2024-12-15T14:28:07.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"48108","tags":null,"has_narrative":true,"complaint_id":"11161486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GFS II, LLC","date_received":"2024-12-15T14:03:10.000Z","state":"MI","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Their silence does not negate my right to a fair hearing, and I am <em>prepared</em> to <em>pursue</em> all <em>available</em> <em>legal</em> remedies to ensure my claims are properly addressed. The arbitration administrator should be notified of Gateway 's non-<em>compliance</em>, and I am ready to seek appropriate next steps, which may include further <em>legal</em> enforcement of the arbitration process."]},"sort":[21.361593,"11161486"]},{"_index":"complaint-public-v1","_id":"8843143","_score":20.07758,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I write to address the unlawful disclosure of my bankruptcy status by XXXX XXXX XXXX, a violation of my privacy rights and legal standards. \n\nDocumentation from the courts confirms that bankruptcy proceedings are not reportable, thus highlighting the egregiousness of your organization 's actions. Your unauthorized dissemination of my confidential financial information constitutes a severe breach of both legal and ethical standards. \n\nThe correspondence received directly from the courts serves as undeniable evidence of XXXX XXXX XXXX 's engagement in unlawful practices by disseminating false information regarding my bankruptcy status. This violation not only tarnishes my reputation but also exposes me to undue scrutiny and potential harm. \n\nI demand the immediate cessation of all activities related to the dissemination of my confidential bankruptcy information. Additionally, I expect XXXX XXXX XXXX to issue a formal retraction and apology for the harm caused by its unlawful actions. Failure to comply will result in swift legal action to seek redress for the damages inflicted upon me. \n\nI trust that prompt action will be taken to rectify this situation and prevent any further breaches of confidentiality. Your immediate compliance is essential to mitigate the repercussions of XXXX XXXX XXXX 's unlawful conduct. Be advised that I am prepared to pursue all available legal remedies to hold your organization accountable for its actions. \n\nI anticipate your immediate compliance with my demands and a prompt resolution to this matter.","date_sent_to_company":"2024-04-23T15:02:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30096","tags":null,"has_narrative":true,"complaint_id":"8843143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-23T15:02:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to comply will result in swift <em>legal</em> action to seek redress for the damages inflicted upon me. \n\nI trust that prompt action will be taken to rectify this situation and prevent any further breaches of confidentiality. Your immediate <em>compliance</em> is essential to mitigate the repercussions of XXXX XXXX XXXX 's unlawful conduct. Be advised that I am <em>prepared</em> to <em>pursue</em> all <em>available</em> <em>legal</em> remedies to hold your organization accountable for its actions."]},"sort":[20.07758,"8843143"]},{"_index":"complaint-public-v1","_id":"8843142","_score":20.07758,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I write to address the unlawful disclosure of my bankruptcy status by XXXX XXXX XXXX, a violation of my privacy rights and legal standards. \n\nDocumentation from the courts confirms that bankruptcy proceedings are not reportable, thus highlighting the egregiousness of your organization 's actions. Your unauthorized dissemination of my confidential financial information constitutes a severe breach of both legal and ethical standards. \n\nThe correspondence received directly from the courts serves as undeniable evidence of XXXX XXXX XXXX 's engagement in unlawful practices by disseminating false information regarding my bankruptcy status. This violation not only tarnishes my reputation but also exposes me to undue scrutiny and potential harm. \n\nI demand the immediate cessation of all activities related to the dissemination of my confidential bankruptcy information. Additionally, I expect XXXX XXXX XXXX to issue a formal retraction and apology for the harm caused by its unlawful actions. Failure to comply will result in swift legal action to seek redress for the damages inflicted upon me. \n\nI trust that prompt action will be taken to rectify this situation and prevent any further breaches of confidentiality. Your immediate compliance is essential to mitigate the repercussions of XXXX XXXX XXXX 's unlawful conduct. Be advised that I am prepared to pursue all available legal remedies to hold your organization accountable for its actions. \n\nI anticipate your immediate compliance with my demands and a prompt resolution to this matter.","date_sent_to_company":"2024-04-23T15:02:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30096","tags":null,"has_narrative":true,"complaint_id":"8843142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-23T15:02:02.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to comply will result in swift <em>legal</em> action to seek redress for the damages inflicted upon me. \n\nI trust that prompt action will be taken to rectify this situation and prevent any further breaches of confidentiality. Your immediate <em>compliance</em> is essential to mitigate the repercussions of XXXX XXXX XXXX 's unlawful conduct. Be advised that I am <em>prepared</em> to <em>pursue</em> all <em>available</em> <em>legal</em> remedies to hold your organization accountable for its actions."]},"sort":[20.07758,"8843142"]},{"_index":"complaint-public-v1","_id":"18673844","_score":19.947165,"_source":{"product":"Debt collection","complaint_what_happened":"Jefferson Capital Systems , LLC Attn : Compliance Department Re : Account Number : XXXX To Whom It May Concern, I am writing to formally demand that Jefferson Capital Systems , LLC immediately cease and desist all communication with me regarding the above-referenced account.\n\nPursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), you are hereby notified to stop all telephone calls, letters, emails, and any other forms of contact with me. You may only contact me to confirm that you are complying with this request or to notify me of specific legal action, if any.\n\nBe advised that any further contact after receipt of this notice will be documented and may be considered a violation of federal and applicable state law. I am prepared to pursue all legal remedies available to me. \n\nThis letter is not an acknowledgment of any debt, nor is it a promise to pay. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-01-13T06:21:09.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"43211","tags":null,"has_narrative":true,"complaint_id":"18673844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-01-13T05:48:45.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["You may only contact me to confirm that you are complying with this request or to notify me of specific <em>legal</em> action, if any.\n\nBe advised that any further contact after receipt of this notice will be documented and may be considered a violation of federal and applicable state law. I am <em>prepared</em> to <em>pursue</em> all <em>legal</em> remedies <em>available</em> to me. \n\nThis letter is not an acknowledgment of any debt, nor is it a promise to pay. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[19.947165,"18673844"]},{"_index":"complaint-public-v1","_id":"18486872","_score":19.145832,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX, Tx XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Cease and Desist Dear KIKOFF INC, This letter serves as a formal notice demanding that you immediately cease and desist from the following conduct : I couldnt understand what type of credit card it was, I never used or received the card. \n\nYour actions are unwanted, unacceptable, and interfere with my rights. I request that you immediately stop this conduct and refrain from any further similar actions in the future. \n\nPlease be advised that if this matter is not resolved promptly, I am prepared to take further action as necessary to protect my rights, including pursuing legal remedies where appropriate. \n\nThis letter is sent without waiver of any rights or remedies available to me, all of which are expressly reserved. \n\nI expect your full compliance with this demand. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-01-12T22:30:56.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"75126","tags":null,"has_narrative":true,"complaint_id":"18486872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kikoff Inc.","date_received":"2026-01-06T02:34:22.000Z","state":"TX","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Please be advised that if this matter is not resolved promptly, I am <em>prepared</em> to take further action as necessary to protect my rights, including <em>pursuing</em> <em>legal</em> remedies where appropriate. \n\nThis letter is sent without waiver of any rights or remedies <em>available</em> to me, all of which are expressly reserved. \n\nI expect your full <em>compliance</em> with this demand. \n\nSincerely, XXXX XXXX"]},"sort":[19.145832,"18486872"]},{"_index":"complaint-public-v1","_id":"16039134","_score":18.741823,"_source":{"product":"Debt collection","complaint_what_happened":"Your repeated responses to my CFPB complaint with the same move-out statement do not constitute legal validation of any alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). Simply resending the same inadequate and unverifiable move-out paperwork after each complaint is not compliance with federal law. \n\nBe advised that I am represented by counsel and am prepared to pursue all available remedies under Florida and federal law. If TSI and XXXX continue to report this account without providing proper and complete validation, you will leave me no choice but to initiate litigation for statutory damages, actual damages, attorneys fees and injunctive relief. \n\nYou are hereby placed on notice to cease reporting unverifiable information and to provide true, complete and original documentation sufficient to establish the alleged debt or remove the account immediately. Failure to comply will result in escalation of this matter to court without further notice. \n\nPlease do not respond with the same bogus attached statement and this bogus move out statement that you all continue to alter in each complaint! Provide me legal proof you have the right to continue to report this nonsense! You cant! So delete it!","date_sent_to_company":"2025-09-18T03:38:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"16039134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-09-18T03:31:28.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Your repeated responses to my CFPB complaint with the same move-out statement do not constitute <em>legal</em> validation of any alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). Simply resending the same inadequate and unverifiable move-out paperwork after each complaint is not <em>compliance</em> with federal law. \n\nBe advised that I am represented by counsel and am <em>prepared</em> to <em>pursue</em> all <em>available</em> remedies under Florida and federal law."]},"sort":[18.741823,"16039134"]},{"_index":"complaint-public-v1","_id":"10997889","_score":18.598156,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Remedies for Willful Non-Compliance : Under the FCRA, 15 U.S.C. 1681n, willful non-compliance with credit reporting laws can result in liability for actual damages, statutory damages of up to {$1000.00} per violation, and punitive damages. Additionally, the law provides for the recovery of costs and attorneys fees incurred as a result of the violation. I am prepared to pursue all available legal remedies should you fail to correct this inaccuracy and comply with applicable laws. I am writing to formally dispute and demand the deletion of an unauthorized hard inquiry from my credit report. The details of the inquiry are as follows : Inquiring Entity : SYNCB/SAMS CLUB Date of Inquiry : XX/XX/XXXX  Address : XXXX XXXX XXXX XXXX, FL XXXX I did not authorize this inquiry, and it is negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., furnishers of information are required to ensure the accuracy and completeness of the information they provide to consumer reporting agencies. Reporting an unauthorized hard inquiry violates this requirement. \n\nI request that you investigate this matter and remove this unauthorized inquiry from my credit report immediately. Please confirm receipt of this letter and inform me of the actions taken to resolve this issue.","date_sent_to_company":"2024-12-02T23:11:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"294XX","tags":null,"has_narrative":true,"complaint_id":"10997889","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-12-02T22:57:03.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Remedies for Willful Non-<em>Compliance</em> : Under the FCRA, 15 U.S.C. 1681n, willful non-<em>compliance</em> with credit reporting laws can result in liability for actual damages, statutory damages of up to {$1000.00} per violation, and punitive damages. Additionally, the law provides for the recovery of costs and attorneys fees incurred as a result of the violation. I am <em>prepared</em> to <em>pursue</em> all <em>available</em> <em>legal</em> remedies should you fail to correct this inaccuracy and comply with applicable laws."]},"sort":[18.598156,"10997889"]},{"_index":"complaint-public-v1","_id":"15990273","_score":18.042519,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the following inaccurate items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting, protection against unauthorized inquiries, and prompt correction of errors. These inaccuracies have caused confusion, potential financial loss, and undue stress. Immediate action is required. \nXXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is incorrectly reported on my credit report. The incorrect address has caused significant confusion, miscommunication with lenders, and potential fraud risks. Under FCRA Section 609 ( a ) ( 1 ), I request the credit bureau to verify this address immediately and remove any inaccurate information from my file.\n\nI have attached all supporting documents to substantiate my claims, including identification, proof of current residence, and statements highlighting the discrepancies. These errors are causing ongoing damage to my financial health, and I insist that they be corrected immediately. Failure to correct these inaccuracies violates federal law and can result in legal consequences for the credit reporting agencies and the institutions responsible for these erroneous entries. \nI expect a written response within the 30-day timeframe as mandated by FCRA Section 611 ( a ). I am prepared to escalate this matter legally if the inaccuracies are not promptly resolved. The protection and accuracy of my credit information are my legal rights, and I will pursue all available remedies to ensure compliance.","date_sent_to_company":"2025-09-17T23:25:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75087","tags":null,"has_narrative":true,"complaint_id":"15990273","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-17T23:23:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The protection and accuracy of my credit information are my <em>legal</em> rights, and I will <em>pursue</em> all <em>available</em> remedies to ensure <em>compliance</em>."]},"sort":[18.042519,"15990273"]},{"_index":"complaint-public-v1","_id":"23165995","_score":17.650034,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I previously submitted a written dispute regarding several inaccurate and unfamiliar items appearing on my credit report. It has now been more than 30 days since that notice was provided, and I have not received any response, results of an investigation, or confirmation that a reasonable investigation has been conducted. This lack of action is both unacceptable and concerning.\n\nUnder Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. If you are unable to verify the accuracy of the disputed items within this timeframe, the law requires that such information be deleted from the consumers credit file.\n\nGiven that this statutory period has already elapsed without proper response or verification, I expect the immediate deletion of all disputed accounts from my credit report and an updated copy reflecting these changes.\n\nFailure to comply with these legal obligations may constitute willful or negligent noncompliance with the FCRA. If this matter is not resolved promptly, I am prepared to escalate it further, including filing formal complaints and pursuing legal remedies available to me.\n\nAdditionally, I would like to note that I have been impacted by the widely reported data breaches involving XXXX, XXXX, and TransUnion. These incidents raise serious concerns regarding the accuracy, security, and handling of my personal information. As such, I expect heightened diligence and full compliance with all applicable laws in addressing my dispute.\n\nI look forward to your prompt resolution of this matter.","date_sent_to_company":"2026-06-12T19:55:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77072","tags":null,"has_narrative":true,"complaint_id":"23165995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-06-12T19:45:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Failure to comply with these <em>legal</em> obligations may constitute willful or negligent noncompliance with the FCRA. If this matter is not resolved promptly, I am <em>prepared</em> to escalate it further, including filing formal complaints and <em>pursuing</em> <em>legal</em> remedies <em>available</em> to me.\n\nAdditionally, I would like to note that I have been impacted by the widely reported data breaches involving XXXX, XXXX, and TransUnion."]},"sort":[17.650034,"23165995"]},{"_index":"complaint-public-v1","_id":"23215034","_score":17.635279,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I previously submitted a written dispute regarding several inaccurate and unfamiliar items appearing on my credit report. It has now been more than 30 days since that notice was provided, and I have not received any response, results of an investigation, or confirmation that a reasonable investigation has been conducted. This lack of action is both unacceptable and concerning.\n\nUnder Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. If you are unable to verify the accuracy of the disputed items within this timeframe, the law requires that such information be deleted from the consumers credit file.\n\nGiven that this statutory period has already elapsed without proper response or verification, I expect the immediate deletion of all disputed accounts from my credit report and an updated copy reflecting these changes.\n\nFailure to comply with these legal obligations may constitute willful or negligent noncompliance with the FCRA. If this matter is not resolved promptly, I am prepared to escalate it further, including filing formal complaints and pursuing legal remedies available to me.\n\nAdditionally, I would like to note that I have been impacted by the widely reported data breaches involving Equifax, XXXX, and TransUnion. These incidents raise serious concerns regarding the accuracy, security, and handling of my personal information. As such, I expect heightened diligence and full compliance with all applicable laws in addressing my dispute.\n\nI look forward to your prompt resolution of this matter.","date_sent_to_company":"2026-06-15T14:37:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77388","tags":null,"has_narrative":true,"complaint_id":"23215034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-06-15T14:05:56.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Failure to comply with these <em>legal</em> obligations may constitute willful or negligent noncompliance with the FCRA. If this matter is not resolved promptly, I am <em>prepared</em> to escalate it further, including filing formal complaints and <em>pursuing</em> <em>legal</em> remedies <em>available</em> to me.\n\nAdditionally, I would like to note that I have been impacted by the widely reported data breaches involving Equifax, XXXX, and TransUnion."]},"sort":[17.635279,"23215034"]},{"_index":"complaint-public-v1","_id":"7806684","_score":17.445013,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practice Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt.\n\nI hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt.Your abusive and deceptive practices are in direct violation of my rights under te FDCPA. I am well aware of the protections provided to as a consumer, and I will not tolerate any further harassment or misconduct.\n\nFurthermore, I excercise my right under 15 USC 1692c ( c ) to request removal of any all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agencies without express written consent. I hereby withdraw any previous consent you may have had and demanded that cease reporting these debt to any credit reporting agencies immediately.\n\nPlease consider this as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. \n\nAll future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other forms of communication will not be accepted. \n\nI expect your immediate compliance with this and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.","date_sent_to_company":"2023-11-06T20:39:05.000Z","issue":"Communication tactics","sub_product":"Rental debt","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"7806684","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RentDebt Automated Collections, LLC","date_received":"2023-11-06T20:15:46.000Z","state":"MO","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["Please consider this as a formal notice of my intent to take <em>legal</em> action if your agency continues to engage in abusive or deceptive practices. I am <em>prepared</em> to protect my rights as a consumer and will not hesitate to <em>pursue</em> all <em>available</em> remedies under the FDCPA. \n\nAll future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other forms of communication will not be accepted."]},"sort":[17.445013,"7806684"]},{"_index":"complaint-public-v1","_id":"11951832","_score":17.416769,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Removal of Inaccurate Negative Items Under XXXX U.S. CXXXX XXXXXXXX Civil Liability for Noncompliance To Whom It May Concern, I am writing to formally dispute the accuracy of negative items on my credit report and demand their immediate removal. Recent legal action by the Consumer Financial Protection Bureau ( CFPB ) against Equifax and Experian highlights ongoing failures in properly investigating credit report errors, violating the Fair Credit Reporting Act ( FCRA ). Given this, I have reason to believe that your agencies have engaged in improper investigative practices regarding my disputes. \n\nUnder XXXX U.S. CXXXX XXXX, you are legally liable for damages resulting from negligent noncompliance with the FCRA. Failure to conduct thorough, fair, and timely investigations into my disputes constitutes a clear violation of this statute. I have previously disputed the following inaccurate negative items, yet they remain on my credit report : [ List the specific accounts, creditors, or inaccuracies you are disputing ] As mandated by the FCRA, I request the immediate removal of these negative items from my credit report and a written confirmation of their deletion. If your agencies fail to comply, I am prepared to pursue all legal remedies available, including seeking damages for your negligence. \n\nPlease provide a written response confirming compliance within 30 days of receipt of this letter. I expect full adherence to the FCRAs requirements, and I trust that you will act in good faith to correct these errors promptly. \n\nSincerely, XXXX XXXX XXXX.","date_sent_to_company":"2025-02-05T18:29:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"11951832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-05T18:28:34.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If your agencies fail to comply, I am <em>prepared</em> to <em>pursue</em> all <em>legal</em> remedies <em>available</em>, including seeking damages for your negligence. \n\nPlease provide a written response confirming <em>compliance</em> within 30 days of receipt of this letter. I expect full adherence to the FCRAs requirements, and I trust that you will act in good faith to correct these errors promptly. \n\nSincerely, XXXX XXXX XXXX."]},"sort":[17.416769,"11951832"]},{"_index":"complaint-public-v1","_id":"17545054","_score":17.402485,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to demand immediate action regarding the fraudulent and improper reporting of a collection account from XXXX XXXX on my credit file. This account is being reported to XXXX XXXX  in violation of my rights under the Fair Credit Reporting Act ( FCRA ). \n\nEquifax is legally obligated to ensure that all information reported is accurate, verifiable, and compliant with federal law. XXXX XXXX has a long history of questionable practices, and the reporting of this alleged debt is both misleading and damaging. I have not received proper validation of this debt, nor has XXXX XXXX provided proof that they have the legal right to collect or report it. \n\nBy continuing to publish this account to XXXX  XXXX, Equifax is complicit in disseminating false and harmful information. This is unacceptable. I demand that Equifax : - * * Immediately investigate * * the XXXX XXXX account. \n- * * Provide full validation * * of the debt, including original creditor documentation. \n- * * Cease reporting * * this account to any XXXX  XXXX  until validation is complete. \n- * * Delete * * the account permanently if validation can not be produced. \n\nFailure to comply will result in escalation. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. Additionally, I will pursue all available legal remedies to hold Equifax accountable for damages caused by this reckless reporting. \n\nThis is not a requestit is a demand. You have XXXX  days from receipt of this letter to respond in writing with proof of compliance.","date_sent_to_company":"2025-11-27T23:24:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21239","tags":null,"has_narrative":true,"complaint_id":"17545054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-27T23:03:13.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am <em>prepared</em> to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. Additionally, I will <em>pursue</em> all <em>available</em> <em>legal</em> remedies to hold Equifax accountable for damages caused by this reckless reporting. \n\nThis is not a requestit is a demand. You have XXXX  days from receipt of this letter to respond in writing with proof of <em>compliance</em>."]},"sort":[17.402485,"17545054"]},{"_index":"complaint-public-v1","_id":"11951804","_score":17.402485,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Removal of Inaccurate Negative Items Under XXXX U.S. CXXXX XXXXXXXX Civil Liability for Noncompliance To Whom It May Concern, I am writing to formally dispute the accuracy of negative items on my credit report and demand their immediate removal. Recent legal action by the Consumer Financial Protection Bureau ( CFPB ) against Equifax and Experian highlights ongoing failures in properly investigating credit report errors, violating the Fair Credit Reporting Act ( FCRA ). Given this, I have reason to believe that your agencies have engaged in improper investigative practices regarding my disputes. \n\nUnder XXXX U.S. CXXXX XXXX, you are legally liable for damages resulting from negligent noncompliance with the FCRA. Failure to conduct thorough, fair, and timely investigations into my disputes constitutes a clear violation of this statute. I have previously disputed the following inaccurate negative items, yet they remain on my credit report : [ List the specific accounts, creditors, or inaccuracies you are disputing ] As mandated by the FCRA, I request the immediate removal of these negative items from my credit report and a written confirmation of their deletion. If your agencies fail to comply, I am prepared to pursue all legal remedies available, including seeking damages for your negligence. \n\nPlease provide a written response confirming compliance within 30 days of receipt of this letter. I expect full adherence to the FCRAs requirements, and I trust that you will act in good faith to correct these errors promptly. \n\nSincerely, XXXX XXXX XXXX.","date_sent_to_company":"2025-02-05T18:29:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"11951804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-05T18:28:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If your agencies fail to comply, I am <em>prepared</em> to <em>pursue</em> all <em>legal</em> remedies <em>available</em>, including seeking damages for your negligence. \n\nPlease provide a written response confirming <em>compliance</em> within 30 days of receipt of this letter. I expect full adherence to the FCRAs requirements, and I trust that you will act in good faith to correct these errors promptly. \n\nSincerely, XXXX XXXX XXXX."]},"sort":[17.402485,"11951804"]},{"_index":"complaint-public-v1","_id":"11951421","_score":17.3947,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Removal of Inaccurate Negative Items Under XXXX U.S. CXXXX XXXXXXXX Civil Liability for Noncompliance To Whom It May Concern, I am writing to formally dispute the accuracy of negative items on my credit report and demand their immediate removal. Recent legal action by the Consumer Financial Protection Bureau ( CFPB ) against Equifax and Experian highlights ongoing failures in properly investigating credit report errors, violating the Fair Credit Reporting Act ( FCRA ). Given this, I have reason to believe that your agencies have engaged in improper investigative practices regarding my disputes. \n\nUnder XXXX U.S. CXXXX XXXX, you are legally liable for damages resulting from negligent noncompliance with the FCRA. Failure to conduct thorough, fair, and timely investigations into my disputes constitutes a clear violation of this statute. I have previously disputed the following inaccurate negative items, yet they remain on my credit report : [ List the specific accounts, creditors, or inaccuracies you are disputing ] As mandated by the FCRA, I request the immediate removal of these negative items from my credit report and a written confirmation of their deletion. If your agencies fail to comply, I am prepared to pursue all legal remedies available, including seeking damages for your negligence. \n\nPlease provide a written response confirming compliance within 30 days of receipt of this letter. I expect full adherence to the FCRAs requirements, and I trust that you will act in good faith to correct these errors promptly. \n\nSincerely, XXXX XXXX XXXX.","date_sent_to_company":"2025-02-05T18:29:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"11951421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-05T18:15:27.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If your agencies fail to comply, I am <em>prepared</em> to <em>pursue</em> all <em>legal</em> remedies <em>available</em>, including seeking damages for your negligence. \n\nPlease provide a written response confirming <em>compliance</em> within 30 days of receipt of this letter. I expect full adherence to the FCRAs requirements, and I trust that you will act in good faith to correct these errors promptly. \n\nSincerely, XXXX XXXX XXXX."]},"sort":[17.3947,"11951421"]},{"_index":"complaint-public-v1","_id":"14420944","_score":17.27547,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : URGENT DEMAND for Immediate Correction/Removal XXXX  Account # XXXX and XXXX  XXXX Account # XXXX CERTIFIED MAIL - RETURN RECEIPT REQUESTED Dear XXXX  Consumer Dispute Center , This letter serves as a FORMAL DEMAND for immediate validation, correction, or removal of inaccurate credit information, as mandated by 15 U.S. Code 1681a and the Fair Credit Reporting Act ( FCRA ). I am NOT requesting your assistanceI am DEMANDING compliance with federal law. \n\nYour reporting of the following accounts contains MULTIPLE VIOLATIONS of the FCRA, and I am prepared to pursue all available legal remedies if these inaccuracies are not immediately corrected or removed. \n\nDISPUTED ACCOUNTS WITH VIOLATIONS : XXXX  Account # XXXX : Opened Date VIOLATION : Your reported dates are WRONG. Correct dates : XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX   Last Activity Date VIOLATION : Your reported dates are WRONG. Correct dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  Last Payment Date VIOLATION : Your reported dates are WRONG. Correct dates : XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  Balance VIOLATION : Your reported amounts are WRONG. Correct balances : {$1000.00} and {$700.00} XXXX  XXXX Account # XXXX : Opened Date VIOLATION : Your reported dates are WRONG. Correct dates : XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  Last Activity Date VIOLATION : Your reported dates are WRONG. Correct dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  Last Payment Date VIOLATION : Your reported dates are WRONG. Correct dates : XX/XX/XXXX and XX/XX/XXXXXXXX  Balance VIOLATION : Your reported amount is WRONG. Correct balance : {$880.00} MANDATORY VERIFICATION REQUIREMENTS You are LEGALLY REQUIRED to provide complete verification documentation for each disputed item, including : ORIGINAL CREDITOR PROOF - Complete documentation of creditor identity, contact information, and account details COMPLETE ACCOUNT STATEMENTS- All transactions, payments, and account history CHAIN OF TITLE DOCUMENTATION - Proof of legal authority to report these debts COMPLIANCE CERTIFICATION - Written confirmation of adherence to all consumer protection laws CALCULATION BREAKDOWN - Itemized explanation of all reported amounts, fees, and charges LEGAL NOTICE AND DEMANDS YOU HAVE 30 DAYS from receipt of this letter to : PROVIDE COMPLETE VERIFICATION of all disputed information with supporting documentation, OR IMMEDIATELY REMOVE all unverified and inaccurate information from my credit report FAILURE TO COMPLY WILL RESULT IN : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing complaints with your state regulatory authorities Pursuing legal action under 15 U.S.C. 1681n for willful non-compliance Seeking statutory damages up to {$1000.00} per violation plus attorney fees Seeking punitive damages for continued violations FINAL DEMAND This is your FINAL OPPORTUNITY to correct these violations before I pursue all available legal remedies. Your continued reporting of inaccurate information after this formal notice constitutes willful non-compliance with federal law. \nI DEMAND : IMMEDIATE INVESTIGATION of all disputed items WRITTEN CONFIRMATION of corrections or removals within 30 days UPDATED CREDIT REPORT showing all corrections CESSATION of all inaccurate reporting to third parties DO NOT send me form letters or automated responses. This matter requires immediate human attention and compliance with federal law. \nI am maintaining detailed records of all correspondence and will use any failure to comply as evidence in legal proceedings. \nRESPOND WITHIN 30 DAYS OR FACE LEGAL ACTION. \nDEMANDED UNDER PENALTY OF LAW,","date_sent_to_company":"2025-07-02T17:34:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33334","tags":null,"has_narrative":true,"complaint_id":"14420944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-02T17:27:37.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["state regulatory authorities <em>Pursuing</em> <em>legal</em> action under 15 U.S.C. 1681n for willful non-<em>compliance</em> Seeking statutory damages up to {$1000.00} per violation plus attorney fees Seeking punitive damages for continued violations FINAL DEMAND This is your FINAL OPPORTUNITY to correct these violations before I <em>pursue</em> all <em>available</em> <em>legal</em> remedies."]},"sort":[17.27547,"14420944"]},{"_index":"complaint-public-v1","_id":"8269186","_score":17.221874,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. \nThe letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action.\n\nAs per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. \n\nYour credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. \n\nRegarding the listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-02T15:20:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"8269186","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-02T15:20:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve <em>legal</em> representation and <em>pursue</em> <em>legal</em> action.\n\nAs per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report."]},"sort":[17.221874,"8269186"]},{"_index":"complaint-public-v1","_id":"8262432","_score":17.221874,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. \n\nThe letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action. \n\nAs per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. \n\nYour credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. \n\nRegarding the listed items : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-02T06:11:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07026","tags":null,"has_narrative":true,"complaint_id":"8262432","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2024-02-02T06:11:20.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve <em>legal</em> representation and <em>pursue</em> <em>legal</em> action. \n\nAs per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report."]},"sort":[17.221874,"8262432"]},{"_index":"complaint-public-v1","_id":"8269188","_score":17.205818,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. \nThe letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action.\n\nAs per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. \n\nYour credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. \n\nRegarding the listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>","date_sent_to_company":"2024-02-02T15:20:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"8269188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advanced Resolution Services Inc.","date_received":"2024-02-02T15:14:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve <em>legal</em> representation and <em>pursue</em> <em>legal</em> action.\n\nAs per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report."]},"sort":[17.205818,"8269188"]},{"_index":"complaint-public-v1","_id":"8262430","_score":17.205818,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. \n\nThe letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action. \n\nAs per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. \n\nYour credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. \n\nRegarding the listed items : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-06T20:17:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07026","tags":null,"has_narrative":true,"complaint_id":"8262430","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-02T06:12:05.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve <em>legal</em> representation and <em>pursue</em> <em>legal</em> action. \n\nAs per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report."]},"sort":[17.205818,"8262430"]},{"_index":"complaint-public-v1","_id":"8273487","_score":17.200993,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits.\n\nThe letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action.\n\nAs per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. \n\nYour credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. \n\nRegarding the listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>","date_sent_to_company":"2024-02-02T15:20:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"8273487","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Consumer Telecom & Utilities Exchange, Inc.","date_received":"2024-02-02T15:20:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve <em>legal</em> representation and <em>pursue</em> <em>legal</em> action.\n\nAs per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report."]},"sort":[17.200993,"8273487"]},{"_index":"complaint-public-v1","_id":"8262608","_score":17.200993,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. \n\nThe letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action. \n\nAs per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. \n\nYour credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. \n\nRegarding the listed items : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-02T06:11:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07026","tags":null,"has_narrative":true,"complaint_id":"8262608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-02-02T06:07:48.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve <em>legal</em> representation and <em>pursue</em> <em>legal</em> action. \n\nAs per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report."]},"sort":[17.200993,"8262608"]},{"_index":"complaint-public-v1","_id":"8262433","_score":17.200993,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. \n\nThe letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. 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