{"took":157,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":127,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11002752","_score":19.216381,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Notice to an agent is notice to the principal.\n\nTo Whom It May Concern, I am writing in response to your communication regarding my complaint submitted on XX/XX/year>, via the CFPB Complaint Portal. While your response acknowledges my concerns, it fails to meet the statutory requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.\n\nAs part of your reinvestigation obligations, I demand the following : XXXX. Exact Verification Methods : Provide a detailed explanation of the methods used to verify the disputed information, including : The specific documents and/or records relied upon to validate the accuracy of the reported information ; The identity of the data furnisher ( s ) and the nature of their responses ; Any system, tool, or process utilized to confirm the information. \n\n\n\nXXXX. Production of Original Documentation : Pursuant to Rule 1002 of the Federal Rules of Evidence, I request the original documentation, not copies, including : Any signed agreements, contracts, or other evidence supporting the alleged debt ( s ) ; Assignment contracts, account statements, or communications that substantiate the reporting.\n\nYou are required to provide the requested documentation and a complete explanation within 15 days from the date of receipt of this letter. Failure to produce the requested information or to comply fully with your duties under the FCRA will constitute willful non-compliance, actionable under 15 U.S.C. 1681n. Further, vague or computer-generated responses will be considered insufficient to satisfy your statutory obligations.\n\nIf you fail to comply, I reserve the right to escalate this matter, including pursuing all remedies available under the FCRA. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-02T05:51:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20785","tags":null,"has_narrative":true,"complaint_id":"11002752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-02T05:43:21.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Notice to an <em>agent</em> is notice to the <em>principal</em>.\n\nTo <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> in response to your communication regarding my complaint submitted on XX/XX/year>, via the CFPB Complaint Portal. While your response acknowledges my <em>concerns</em>, it fails to meet the statutory requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.\n\nAs part of your reinvestigation obligations, I demand the following : <em>XXXX</em>."]},"sort":[19.216381,"11002752"]},{"_index":"complaint-public-v1","_id":"8707449","_score":19.186966,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. \n\nREGARDING THE FOLLOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby request a reinvestigation which accurately abides by XXXX XXXX Code XXXX ( XXXX ) and provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law.\n\nIf you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. \n\nI expect a written response from your institution confirming that corrective measures have been taken. \nThank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.","date_sent_to_company":"2024-04-05T20:07:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"374XX","tags":null,"has_narrative":true,"complaint_id":"8707449","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-05T19:56:39.000Z","state":"TN","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":["NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em> To <em>whom</em> it may <em>concern</em>, I am <em>writing</em> to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e."]},"sort":[19.186966,"8707449"]},{"_index":"complaint-public-v1","_id":"8704302","_score":19.17785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby request a reinvestigation which accurately abides by 15 U.S. Code 1681a ( e ) and provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law.\n\nIf you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. \n\nI expect a written response from your institution confirming that corrective measures have been taken. \nThank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.","date_sent_to_company":"2024-04-05T19:43:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46256","tags":null,"has_narrative":true,"complaint_id":"8704302","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-05T19:43:49.000Z","state":"IN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em> To <em>whom</em> it may <em>concern</em>, I am <em>writing</em> to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e."]},"sort":[19.17785,"8704302"]},{"_index":"complaint-public-v1","_id":"8704669","_score":19.17462,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. \n\nREGARDING THE FOLLOW [ XXXX Account XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  ], I hereby request a reinvestigation which accurately abides by 15 U.S. Code 1681a ( e ) and provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law.\n\nIf you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused.\n\nI expect a written response from your institution confirming that corrective measures have been taken.\n\nThank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.","date_sent_to_company":"2024-04-05T20:07:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"374XX","tags":null,"has_narrative":true,"complaint_id":"8704669","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-05T20:07:30.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em> To <em>whom</em> it may <em>concern</em>, I am <em>writing</em> to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e."]},"sort":[19.17462,"8704669"]},{"_index":"complaint-public-v1","_id":"8707227","_score":19.151072,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. \n\nREGARDING THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy, Status : XXXX XXXX XXXX I hereby request a reinvestigation which accurately abides by 15 U.S. Code 1681a ( e ) and provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law.\n\nIf you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused.\n\nI expect a written response from your institution confirming that corrective measures have been taken.\n\nThank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.","date_sent_to_company":"2024-04-05T19:43:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46256","tags":null,"has_narrative":true,"complaint_id":"8707227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-05T19:27:08.000Z","state":"IN","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":["NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em> To <em>whom</em> it may <em>concern</em>, I am <em>writing</em> to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e."]},"sort":[19.151072,"8707227"]},{"_index":"complaint-public-v1","_id":"8706728","_score":19.143118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. \n\nREGARDING THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby request a reinvestigation which accurately abides by 15 U.S. Code 1681a ( e ) and provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law.\n\nIf you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. \n\nI expect a written response from your institution confirming that corrective measures have been taken. \nThank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.","date_sent_to_company":"2024-04-05T19:43:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46256","tags":null,"has_narrative":true,"complaint_id":"8706728","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-05T19:43:49.000Z","state":"IN","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":["NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em> To <em>whom</em> it may <em>concern</em>, I am <em>writing</em> to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e."]},"sort":[19.143118,"8706728"]},{"_index":"complaint-public-v1","_id":"8706633","_score":19.138336,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. \n\nREGARDING THE FOLLOW [ XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account XXXX : XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX ], I hereby request a reinvestigation which accurately abides by 15 U.S. Code 1681a ( e ) and provide me with detailed evidence of the information received from the furnisher, demonstrating compliance with 15 U.S. Code 6801 and 15 U.S. Code 6802. This evidence should unequivocally establish that the reported information meets the standards of accuracy as required by law.\n\nIf you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681a ( e ) -Definitions ; rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. \n\nI expect a written response from your institution confirming that corrective measures have been taken. \nThank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.","date_sent_to_company":"2024-04-05T20:07:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"374XX","tags":null,"has_narrative":true,"complaint_id":"8706633","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-05T20:07:30.000Z","state":"TN","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":["NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em> To <em>whom</em> it may <em>concern</em>, I am <em>writing</em> to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e."]},"sort":[19.138336,"8706633"]},{"_index":"complaint-public-v1","_id":"11001181","_score":19.084246,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Notice to an agent is notice to the principal. \n\nTo Whom It May Concern, I am writing in response to your communication regarding my complaint submitted on XX/XX/year>, via the CFPB Complaint Portal. While your response acknowledges my concerns, it fails to meet the statutory requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.\n\nAs part of your reinvestigation obligations, I demand the following : 1. Exact Verification Methods : Provide a detailed explanation of the methods used to verify the disputed information, including : Th\ne specific documents and/or records relied upon to validate the accuracy of the reported information ; The identity of the data furnisher ( s ) and the nature of their responses ; Any system, tool, or process utilized to confirm the information.\n\n2. Production of Original Documentation : Pursuant to Rule 1002 of the Federal Rules of Evidence, I request the original documentation, not copies, including : Any signed agreements, contracts, or other evidence supporting the alleged debt ( s ) ; Assignment contracts, account statements, or communications that substantiate the report\ning.\n\nYou are required to provide the requested documentation and a complete explanation within 15 days from the date of receipt of this letter. Failure to produce the requested information or to comply fully with your duties under the FCRA will constitute willful non-compliance, actionable under 15 U.S.C. 1681n. Further, vague or computer-generated responses will be considered insufficient to satisfy your statutory obligations. \n\nIf you fail to comply, I reserve the right to escalate this matter, including pursuing all remedies available under the FCRA. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-02T05:51:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20785","tags":null,"has_narrative":true,"complaint_id":"11001181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-02T05:51:14.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Notice to an <em>agent</em> is notice to the <em>principal</em>. \n\nTo <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> in response to your communication regarding my complaint submitted on XX/XX/year>, via the CFPB Complaint Portal. While your response acknowledges my <em>concerns</em>, it fails to meet the statutory requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.\n\nAs part of your reinvestigation obligations, I demand the following : 1."]},"sort":[19.084246,"11001181"]},{"_index":"complaint-public-v1","_id":"10983547","_score":19.048962,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Notice to an agent is notice to the principal. \n\nTo Whom It May Concern, I am writing in response to your communication regarding my complaint submitted on XX/XX/year>, via the CFPB Complaint Portal. While your response acknowledges my concerns, it fails to meet the statutory requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. \n\nAs part of your reinvestigation obligations, I demand the following : 1. Exact Verification Methods : Provide a detailed explanation of the methods used to verify the disputed information, including : The specific documents and/or records relied upon to validate the accuracy of the reported information ; The identity of the data furnisher ( s ) and the nature of their responses ; Any system, tool, or process utilized to confirm the information.\n\n2. Production of Original Documentation : Pursuant to Rule 1002 of the Federal Rules of Evidence, I request the original documentation, not copies, including : Any signed agreements, contracts, or other evidence supporting the alleged debt ( s ) ; Assignment contracts, account statements, or communications that substantiate the reporting. \n\nYou are required to provide the requested documentation and a complete explanation within 15 days from the date of receipt of this letter. Failure to produce the requested information or to comply fully with your duties under the FCRA will constitute willful non-compliance, actionable under 15 U.S.C. 1681n. Further, vague or computer-generated responses will be considered insufficient to satisfy your statutory obligations.\n\nIf you fail to comply, I reserve the right to escalate this matter, including pursuing all remedies available under the FCRA. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-02T05:51:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20785","tags":null,"has_narrative":true,"complaint_id":"10983547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-02T05:51:14.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Notice to an <em>agent</em> is notice to the <em>principal</em>. \n\nTo <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> in response to your communication regarding my complaint submitted on XX/XX/year>, via the CFPB Complaint Portal. While your response acknowledges my <em>concerns</em>, it fails to meet the statutory requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. \n\nAs part of your reinvestigation obligations, I demand the following : 1."]},"sort":[19.048962,"10983547"]},{"_index":"complaint-public-v1","_id":"13826363","_score":18.154072,"_source":{"product":"Debt collection","complaint_what_happened":"Account : XXXX To Whom It May Concern, This letter is in response to your recent correspondence concerning the above-referenced account ( s ). In accordance with Uniform Commercial Code 9-210 ( a ) ( 2 ), I am making a good faith and lawful request for a full and complete accounting of any and all obligations, notes, and/or security interests Nelnet claims to hold , service, or enforce in connection with this account.\n\nPlease be advised that I expect a full response within 14 business days of your receipt of this request, as required under applicable law.\n\nThis request includes, but is not limited to, the following : 1. Complete Accounting of the Obligation ( s ) : The original balance and/or principal A complete history of all payments made and how each was applied ( principal, interest, fees, escrow, etc. ) An itemized list of all fees, charges, penalties, or advances assessed The current balance as of the date of your response Any changes in the terms of the obligation, including interest rate changes 2. Documentation of Any Assignment, Sale, or Transfer : Assignments of note or any related security instruments Endorsements, allonges, or indorsements related to the instrument ( s ) Documentation of any transfers or sales to third-party entities, including trust entities The full name and contact information of any successor-in-interest or authorized agent 3. Disclosure of Securitization or Trust Transfers : Full name of any trust, including series and trustee details Date of the transfer and names of the assigning/transferring parties A copy of any Pooling and Servicing Agreement ( PSA ) , trust agreement, or custodial record related to such transfer ALL documentation or evidence that the account ( s ) were securitized or sold to a third party 4. Identification of the Current Secured Party or Assignee of Record : Legal name and mailing address of the current secured party or assignee Name and contact information of any agent or servicer acting on their behalf If you deny or decline to comply with this request, you are required to cite the specific federal law or statutory authority that exempts Nelnet from compliance with UCC 9-210. Any such denial must be supported by valid legal authorityyour internal company policies or procedures are not a legal justification and will not be accepted as a lawful basis for refusal. \n\nShould your organization not be the correct party to respond, you are required to promptly forward this request to the appropriate department, servicer, or affiliated entity, and notify me in writing that you have done so.","date_sent_to_company":"2025-06-01T00:56:20.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"29340","tags":null,"has_narrative":true,"complaint_id":"13826363","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-06-01T00:32:17.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Account : <em>XXXX</em> To <em>Whom</em> It May <em>Concern</em>, This letter is in response to your recent correspondence concerning the above-referenced account ( s ). In accordance with Uniform Commercial Code 9-210 ( a ) ( 2 ), I am making a good faith and lawful request for a full and complete accounting of any and all obligations, notes, and/or security interests Nelnet claims to hold , service, or enforce in connection with this account."]},"sort":[18.154072,"13826363"]},{"_index":"complaint-public-v1","_id":"11802824","_score":17.723034,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. To Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. Upon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. Legal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Failure to conduct a proper reinvestigation and delete inaccurate information within 30 days. XXXX XXXX XXXX XXXX XXXX XXXX  Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. XXXX XXXX. XXXX ( XXXX ) Communicating false credit information with knowledge of its inaccuracy. XXXX XXXX. XXXX Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. Furthermore, your conduct is consistent with prior legal actions brought against XXXX and similar entities for improper data handling and failure to comply with consumer protection laws. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). Immediate Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. Cease and desist any further reporting, selling, or furnishing of my data to third parties. Provide written confirmation of compliance within 30 days of this notice. Failure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. This letter serves as formal notice of my demand under applicable law. No further warnings will be provided.","date_sent_to_company":"2025-01-29T02:16:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07108","tags":null,"has_narrative":true,"complaint_id":"11802824","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-01-29T02:08:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em>, NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em>. To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data."]},"sort":[17.723034,"11802824"]},{"_index":"complaint-public-v1","_id":"11808361","_score":17.680851,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. \nTo Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. \nUpon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. \nLegal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation and delete inaccurate information within XXXX  days. \n15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. \n15 U.S.C. 1692e ( 8 ) Communicating false credit information with knowledge of its inaccuracy. \n15 U.S.C. 1681n Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. \nFurthermore, your conduct is consistent with prior legal actions brought against XXXX and similar entities for improper data handling and failure to comply with consumer protection laws. ( See : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). \nXXXX Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. \nCease and desist any further reporting, selling, or furnishing of my data to third parties. \nProvide written confirmation of compliance within XXXX  days of this notice. \nFailure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. \nThis letter serves as formal notice of my demand under applicable law. No further warnings will be provided.","date_sent_to_company":"2025-01-29T02:08:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07108","tags":null,"has_narrative":true,"complaint_id":"11808361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advantage Credit, Inc.","date_received":"2025-01-29T02:08:16.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em>, NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em>. \nTo <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data."]},"sort":[17.680851,"11808361"]},{"_index":"complaint-public-v1","_id":"11808544","_score":17.675318,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. \nTo Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. \nUpon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. \nLegal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a proper reinvestigation and delete inaccurate information within XXXX  days. \nXXXX XXXX. XXXX ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. \nXXXX XXXX. XXXX ( XXXX ) Communicating false credit information with knowledge of its inaccuracy. \nXXXX XXXX. XXXX Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. \nFurthermore, your conduct is consistent with prior legal actions brought against XXXX and similar entities for improper data handling and failure to comply with consumer protection laws. ( See : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). \nXXXX Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. \nCease and desist any further reporting, selling, or furnishing of my data to third parties. \nProvide written confirmation of compliance within XXXX  days of this notice. \nFailure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. \nThis letter serves as formal notice of my demand under applicable law. No further warnings will be provided.","date_sent_to_company":"2025-01-29T02:08:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07108","tags":null,"has_narrative":true,"complaint_id":"11808544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LCI Acquisition Inc.","date_received":"2025-01-29T02:08:16.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em>, NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em>. \nTo <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data."]},"sort":[17.675318,"11808544"]},{"_index":"complaint-public-v1","_id":"11808615","_score":17.66967,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. To Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. Upon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. Legal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation and delete inaccurate information within 30 days. 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. 15 U.S.C. 1692e ( 8 ) Communicating false credit information with knowledge of its inaccuracy. 15 U.S.C. 1681n Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. Furthermore, your conduct is consistent with prior legal actions brought against XXXX and similar entities for improper data handling and failure to comply with consumer protection laws. ( See : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). Immediate Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. Cease and desist any further reporting, selling, or furnishing of my data to third parties. Provide written confirmation of compliance within 30 days of this notice. Failure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. This letter serves as formal notice of my demand under applicable law. No further warnings will be provided.","date_sent_to_company":"2025-01-29T02:16:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07108","tags":null,"has_narrative":true,"complaint_id":"11808615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2025-01-29T02:16:09.000Z","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":["Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em>, NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em>. To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data."]},"sort":[17.66967,"11808615"]},{"_index":"complaint-public-v1","_id":"11808613","_score":17.620176,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. To Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. Upon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. Legal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation and delete inaccurate information within 30 days. 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. 15 U.S.C. 1692e ( 8 ) Communicating false credit information with knowledge of its inaccuracy. 15 U.S.C. 1681n Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. Furthermore, your conduct is consistent with prior legal actions brought against LexisNexis and similar entities for improper data handling and failure to comply with consumer protection laws. ( See : XXXX XXXX LexisNexis Risk Solutions XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). XXXX Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. Cease and desist any further reporting, selling, or furnishing of my data to third parties. Provide written confirmation of compliance within 30 days of this notice. Failure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. This letter serves as formal notice of my demand under applicable law. No further warnings will be provided.","date_sent_to_company":"2025-01-29T02:16:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07108","tags":null,"has_narrative":true,"complaint_id":"11808613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-01-29T02:16:09.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em>, NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em>. To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data."]},"sort":[17.620176,"11808613"]},{"_index":"complaint-public-v1","_id":"17403770","_score":15.210822,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It XXXX Concern : I am writing to notify you that I dispute the validity and ownership of the alleged debt you are reporting to the consumer reporting agencies. This letter constitutes a formal request for full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and a dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2. \nThis alleged debt appears on my credit report, yet I have not received any prior written notice or sufficient information to determine whether this debt belongs to me. \nAccordingly, I request that you provide the following required documentation : Required Validation Documents Proof that you are legally authorized to collect this specific debt, including chain of title/assignment from the original creditor. \nA complete payment history, starting with the original creditor, showing how the amount you claim was calculated. \nA copy of the original signed contract or agreement bearing my signature. \nThe name and address of the original creditor, as required by 15 U.S.C. 1692g ( a ).\n\nProof of ownership or transfer of the debt to your agency. \nItemized breakdown of the alleged balance ( principal, interest, fees ). \nA copy of any judgment, if applicable. \nYour license numbers and registered agent information in my state, showing you are legally permitted to collect here. \nCease Reporting Until Validation Is Provided Per federal law, you must cease collection efforts and stop reporting this account to any credit bureau until proper validation is provided. \nIf you can not validate this debt, you are required to : Immediately delete the account from all credit bureaus, and Notify me in writing that the account has been removed. \nNotice of FCRA Compliance Requirement If you verify or continue reporting inaccurate or unvalidated information to any consumer reporting agency, it will constitute : Willful noncompliance with FCRA 1681n Negligent noncompliance under FCRA 1681o I will not hesitate to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state Attorney General, and pursuing legal remedies if necessary. \nXXXX XXXX XXXX FDCPA, you must provide validation within 30 days of receiving this letter. \nUntil you comply, all collection activity, including reporting and updating information with credit bureaus, must stop. \nPlease send all responses to my address listed above. \nThank you for your prompt attention.","date_sent_to_company":"2025-11-21T00:59:46.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"17403770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Harris & Harris, Ltd.","date_received":"2025-11-21T00:40:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It <em>XXXX</em> <em>Concern</em> : I am <em>writing</em> to notify you that I dispute the validity and ownership of the alleged debt you are reporting to the consumer reporting agencies. This letter constitutes a formal request for full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and a dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2."]},"sort":[15.210822,"17403770"]},{"_index":"complaint-public-v1","_id":"6488762","_score":14.449948,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to submit these complaints seperately, taking my time as not to bundle everything together. I can not beleive these companies, especially XXXX are allowing this illegal activity to keep posting to my profile. They are not a bureau they are acting as such. I will not be calling anyone to dispute on the phone, like I attempted with XXXX, I provided detail after detail and they would not take the wrong accounts off my reports. This is getting out of control. I have submitted all my documents and identification for proof, even notarizing my license. Remove these accounts. this is illegal and you are allowing charged off accounts with 1099cs to repost as late.\n\nTo whom It May Concern, I am writing to dispute the charge offs that have been placed on my credit report for the following account numbers : XXXX, XXXX, XXXX, XXXX, XXXX. It is illegal to place a charge off on a report without first issuing a 1099-C to the debtor. Additionally, I have no knowledge of these accounts and did not enter into any contract with your company. I am also requesting that you remove and suppress any negative information and inquiries that are not attached to any accounts on my credit report. Furthermore, I am requesting that you update my credit report to accurately reflect across all credit bureaus. I am also requesting that you investigate how hard it is to get to your online account unless you are paying like XXXX. I am sick of having to pay to see my own so-called data. My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, and my phone number is XXXX XXXX XXXX. Please address this matter as soon as possible. Thank you, XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the information that is being reported on my [ XXXX, XXXX or TransUnion ] consumer report regarding my experience with your company. Specifically, the utilization on my credit line with your company is being reported illegally. As stated in 15 USC 1681a 2 ( A ) ( i ), \" the term 'consumer report ' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Therefore, the utilization on my credit line, which is a transaction or experience between myself and your company, should not be included on my consumer report. I demand that you update my utilization to 5 % or below, or delete all utilization information from the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Please be aware that failure to respond satisfactorily and delete the above utilization information may result in legal action against your company for defamation of character, negligent noncompliance, civil liability, mental anguish, and Fair Credit Reporting Act violations. I will also be seeking {$1000.00} per violation. I kindly ask you to take immediate action to correct this issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. \nYOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! List Name of the accounts with high Utilizations along with their account numbers. Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) Making the report is not INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!\n\nYOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]","date_sent_to_company":"2023-01-25T06:59:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92376","tags":null,"has_narrative":true,"complaint_id":"6488762","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-25T06:59:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, CA <em>XXXX</em> NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em> To <em>Whom</em> It May <em>Concern</em> : I recently received a copy of my ( <em>XXXX</em>, <em>XXXX</em> or TransUnion ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports."]},"sort":[14.449948,"6488762"]},{"_index":"complaint-public-v1","_id":"6488759","_score":14.425846,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to submit these complaints seperately, taking my time as not to bundle everything together. I can not beleive these companies, especially XXXX are allowing this illegal activity to keep posting to my profile. They are not a bureau they are acting as such. I will not be calling anyone to dispute on the phone, like I attempted with XXXX, I provided detail after detail and they would not take the wrong accounts off my reports. This is getting out of control. I have submitted all my documents and identification for proof, even notarizing my license. Remove these accounts. this is illegal and you are allowing charged off accounts with 1099cs to repost as late.\n\nTo whom It May Concern, I am writing to dispute the charge offs that have been placed on my credit report for the following account numbers : XXXX, XXXX, XXXX, XXXX, XXXX. It is illegal to place a charge off on a report without first issuing a 1099-C to the debtor. Additionally, I have no knowledge of these accounts and did not enter into any contract with your company. I am also requesting that you remove and suppress any negative information and inquiries that are not attached to any accounts on my credit report. Furthermore, I am requesting that you update my credit report to accurately reflect across all credit bureaus. I am also requesting that you investigate how hard it is to get to your online account unless you are paying like XXXX. I am sick of having to pay to see my own so-called data. My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, and my phone number is XXXX XXXX XXXX. Please address this matter as soon as possible. Thank you, XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the information that is being reported on my [ XXXX, Equifax or XXXX ] consumer report regarding my experience with your company. Specifically, the utilization on my credit line with your company is being reported illegally. As stated in 15 USC 1681a 2 ( A ) ( i ), \" the term 'consumer report ' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Therefore, the utilization on my credit line, which is a transaction or experience between myself and your company, should not be included on my consumer report. I demand that you update my utilization to 5 % or below, or delete all utilization information from the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Please be aware that failure to respond satisfactorily and delete the above utilization information may result in legal action against your company for defamation of character, negligent noncompliance, civil liability, mental anguish, and Fair Credit Reporting Act violations. I will also be seeking {$1000.00} per violation. I kindly ask you to take immediate action to correct this issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. \nYOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX Name of the accounts with high Utilizations along with their account numbers. Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) Making the report is not INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!\n\nYOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]","date_sent_to_company":"2023-01-25T06:59:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92376","tags":null,"has_narrative":true,"complaint_id":"6488759","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-25T06:59:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, CA <em>XXXX</em> NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em> To <em>Whom</em> It May <em>Concern</em> : I recently received a copy of my ( <em>XXXX</em>, Equifax or <em>XXXX</em> ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports."]},"sort":[14.425846,"6488759"]},{"_index":"complaint-public-v1","_id":"6483515","_score":14.425307,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to submit these complaints seperately, taking my time as not to bundle everything together. I can not beleive these companies, especially Experian are allowing this illegal activity to keep posting to my profile. They are not a bureau they are acting as such. I will not be calling anyone to dispute on the phone, like I attempted with Experian, I provided detail after detail and they would not take the wrong accounts off my reports. This is getting out of control. I have submitted all my documents and identification for proof, even notarizing my license. Remove these accounts. this is illegal and you are allowing charged off accounts with 1099cs to repost as late. \n\nTo whom It May Concern, I am writing to dispute the charge offs that have been placed on my credit report for the following account numbers : XXXX, XXXX, XXXX, XXXX, XXXX. It is illegal to place a charge off on a report without first issuing a 1099-C to the debtor. Additionally, I have no knowledge of these accounts and did not enter into any contract with your company. I am also requesting that you remove and suppress any negative information and inquiries that are not attached to any accounts on my credit report. Furthermore, I am requesting that you update my credit report to accurately reflect across all credit bureaus. I am also requesting that you investigate how hard it is to get to your online account unless you are paying like Experian. I am sick of having to pay to see my own so-called data. My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, and my phone number is XXXX XXXX XXXX. Please address this matter as soon as possible. Thank you, XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the information that is being reported on my [ Experian, XXXX or XXXX ] consumer report regarding my experience with your company. Specifically, the utilization on my credit line with your company is being reported illegally. As stated in 15 USC 1681a 2 ( A ) ( i ), \" the term 'consumer report ' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Therefore, the utilization on my credit line, which is a transaction or experience between myself and your company, should not be included on my consumer report. I demand that you update my utilization to 5 % or below, or delete all utilization information from the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that failure to respond satisfactorily and delete the above utilization information may result in legal action against your company for defamation of character, negligent noncompliance, civil liability, mental anguish, and Fair Credit Reporting Act violations. I will also be seeking {$1000.00} per violation. I kindly ask you to take immediate action to correct this issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. \nYOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! List Name of the accounts with high Utilizations along with their account numbers. Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) Making the report is not INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! \nYOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]","date_sent_to_company":"2023-01-25T06:59:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92376","tags":null,"has_narrative":true,"complaint_id":"6483515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-25T06:44:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, CA <em>XXXX</em> NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em> To <em>Whom</em> It May <em>Concern</em> : I recently received a copy of my ( Experian, <em>XXXX</em> or <em>XXXX</em> ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports."]},"sort":[14.425307,"6483515"]},{"_index":"complaint-public-v1","_id":"8891243","_score":14.238564,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX XXXX : XX/XX/XXXX SSN : XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL 2nd Notice To Whom It May Concern : This is my last time writing you about late payments on my credit report. I am trying to resolve this amicably before filing litigation against your company for your inaccurate erroneous reporting. \n\nI recently received a copy of my consumer report, and I noticed you are reporting my transactions and experiences specifically a late payment that you have posted on my consumer report : XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XX/XX/XXXX ( Enclosed and Attached ) XX/XX/XXXX is reporting only late on Experian and XXXX but on time to XXXX. How can that be? This is a direct violate and result of inaccurate reporting and needs to be removed. \n\nUpdate this account to paid as agreed never late Your company is in clear violation of the law. Pursuant 15 USC 6802 ( b ) - A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXXXXXX XXXX Making the report is NOT INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with that company. CONGRESS clearly states that the reporting of Transactionsor experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!\n\nConsumer law you violated according to congress and the FCRA : You have XXXX calendar days to update my Transaction/Payment history and DELETE all late payments from the below account XXXX XXXX XXXXXXXX Account XXXX : XXXX, XXXX XX/XX/XXXX You are hereby PUT ON NOTICE that the reporting of my transactions or experiences with Bank ofAmerica to the consumer reporting agencies is a DIRECT VIOLATION of the Fair Credit Reporting Act 15 USC 1681a 2 Ai, 15 USC 6802 ( b ) and this constitutes to inaccurate reporting.\n\nIn conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.\n\nYou have caused me and my family severe harm due to your negligence and inaccurate reporting.\n\nThis is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.\n\nFailure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : 1. Any Actual Damages 2. Defamation of Character 3. Negligent Non Compliance 4. Civil Liability 5. Mental Anguish 6. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 15 USC 6802 ( b ) 15 USC 1681a 2 ( A ) ( i ) Thank you XXXX XXXX XXXX","date_sent_to_company":"2024-04-30T13:17:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92583","tags":null,"has_narrative":true,"complaint_id":"8891243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-30T13:06:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, Ca <em>XXXX</em> <em>XXXX</em> : XX/XX/<em>XXXX</em> SSN : <em>XXXX</em> NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em> 2nd Notice To <em>Whom</em> It May <em>Concern</em> : This is my last time <em>writing</em> you about late payments on my credit report. I am trying to resolve this amicably before filing litigation against your company for your inaccurate erroneous reporting."]},"sort":[14.238564,"8891243"]},{"_index":"complaint-public-v1","_id":"8891152","_score":14.188393,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX XXXX : XX/XX/XXXX SSN : XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL 2nd Notice To Whom It May Concern : This is my last time writing you about late payments on my credit report. I am trying to resolve this amicably before filing litigation against your company for your inaccurate erroneous reporting. \n\nI recently received a copy of my consumer report, and I noticed you are reporting my transactions and experiences specifically a late payment that you have posted on my consumer report : XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XX/XX/XXXX ( Enclosed and Attached ) XX/XX/XXXX is reporting only late on XXXX and Equifax but on time to XXXX. How can that be? This is a direct violate and result of inaccurate reporting and needs to be removed. \n\nUpdate this account to paid as agreed never late Your company is in clear violation of the law. Pursuant 15 USC 6802 ( b ) - A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXXXXXX XXXX Making the report is NOT INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with that company. CONGRESS clearly states that the reporting of Transactionsor experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!\n\nConsumer law you violated according to congress and the FCRA : You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the below account XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XX/XX/XXXX You are hereby PUT ON NOTICE that the reporting of my transactions or experiences with XXXX XXXX to the consumer reporting agencies is a DIRECT VIOLATION of the Fair Credit Reporting Act 15 USC 1681a 2 Ai, 15 USC 6802 ( b ) and this constitutes to inaccurate reporting.\n\nIn conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. \n\nYou have caused me and my family severe harm due to your negligence and inaccurate reporting.\n\nThis is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. \nFailure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : 1. Any Actual Damages 2. Defamation of Character 3. Negligent Non Compliance 4. Civil Liability 5. Mental Anguish 6. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 15 USC 6802 ( b ) 15 USC 1681a 2 ( A ) ( i ) Thank you XXXX XXXX XXXX","date_sent_to_company":"2024-04-30T13:17:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92583","tags":null,"has_narrative":true,"complaint_id":"8891152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-30T13:17:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, Ca <em>XXXX</em> <em>XXXX</em> : XX/XX/<em>XXXX</em> SSN : <em>XXXX</em> NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em> NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em> 2nd Notice To <em>Whom</em> It May <em>Concern</em> : This is my last time <em>writing</em> you about late payments on my credit report. I am trying to resolve this amicably before filing litigation against your company for your inaccurate erroneous reporting."]},"sort":[14.188393,"8891152"]},{"_index":"complaint-public-v1","_id":"12526912","_score":14.159647,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Date : XX/XX/year> LVNV Funding LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Debt Request for Debt Validation and Chain of Assignment To Whom It May Concern, I am writing to formally dispute the alleged debt of {$830.00}, purportedly originating from XXXX  XXXX, which you claim I owe. I do not acknowledge this debt and, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request full validation and proof of this debt within 30 days from the date of this letter.\n\n1. Demand for Debt Validation Per FDCPA 809 ( 15 U.S.C. 1692g ), please provide the following documentation : The original signed agreement or contract bearing my signature, indicating my responsibility for this debt. \nA detailed itemization of the {$830.00} balance, including principal, interest, late fees, and collection costs. \n\nA full chain of assignment, demonstrating that LVNV Funding LLC has the legal authority to collect this debt. This should include all assignments, transfers, and purchase agreements from XXXX XXXX to your agency, as required under 15 U.S.C. 1692e ( 2 ) ( A ) and 15 U.S.C. 1692f ( 1 ).\n\nProof that LVNV Funding LLC is legally authorized to collect debts in Maryland, including your collection license number and registered agent information.\n\n2. Immediate Cease and Desist on Wage Garnishment I have recently discovered that a garnishment action may be initiated against me. Since I dispute this debt and have not received proper legal notice, any attempt to proceed with garnishment would violate my due process rights under the FDCPA and Consumer Financial Protection Bureau ( CFPB ) regulations. Until this debt is properly validated, you must immediately cease all collection activity, including any garnishment efforts, or risk violating 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1692f ( unfair or unconscionable collection practices ).\n\n3. Notice of Legal Action if Non-Compliance Occurs Failure to provide the required validation within 30 days of receipt of this letter will result in the following actions : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Maryland Attorney General 's office for potential violations of federal and state consumer protection laws. \n\nPossible legal action against LVNV Funding LLC for violations of the FDCPA, including seeking statutory damages of up to {$1000.00} per violation, plus actual damages and legal fees per 15 U.S.C. 1692k.\n\n4. No Telephone Communication Allowed Under 15 U.S.C. 1692c ( c ), I formally request that all communication regarding this alleged debt be conducted in writing only. Any further contact via phone will be considered harassment and reported accordingly. \n\nThis letter serves as legal notice under the FDCPA that I dispute this debt, demand full validation, and request that any collection efforts, including garnishment, be halted until full compliance with the law is met. If you fail to provide proper validation, you must delete this account from my credit report and cease all collection activities immediately. \n\nPlease respond to this request in writing to the address provided above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-17T22:57:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"21222","tags":null,"has_narrative":true,"complaint_id":"12526912","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-03-17T22:24:33.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX Phone : <em>XXXX</em> Date : XX/XX/year> LVNV Funding LLC XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Subject : Formal Dispute of Debt Request for Debt Validation and Chain of Assignment To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to formally dispute the alleged debt of {$830.00}, purportedly originating from <em>XXXX</em>  <em>XXXX</em>, which you claim I owe."]},"sort":[14.159647,"12526912"]},{"_index":"complaint-public-v1","_id":"7966012","_score":14.13901,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, XXXX XXXX XXXX Agent XXXX XXXX XXXX , Principal To who it may concern, Account Name : XXXX  Account Number : XXXX You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. \n\nI also want to dispute certain information on my credit report, as provided by your agency. I believe that the reported information is inaccurate, and I request that you investigate and correct this matter as soon as possible. The inaccurate information pertains to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX ] I would like to bring your attention the accounts above have been filed and ACCEPTED by the Internal Revenue Service via 1099C Cancellation of debt. This is inaccurate reporting and needs to be removed immediately The following federal laws, which I believe may be relevant to my case : 15 USC 6802 ( Right to Financial Privacy Act ) : Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\n15 USC 1681b ( Fair Credit Reporting Act ) : Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relate 18 USC 1028A ( Aggravated Identity Theft ) : Aggravated identity theft ( a ) Offenses.- ( 1 ) In general.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. \n\nI kindly request that you promptly investigate this matter and provide me with the results of your investigation. If you find that the information is inaccurate, please correct it in accordance with the law. Additionally, please provide me with a copy of the corrected credit report. \n\nThank you for your prompt attention to this matter. I expect a timely resolution in compliance with federal laws. Your cooperation in this regard is greatly appreciated.","date_sent_to_company":"2023-12-07T22:22:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20906","tags":null,"has_narrative":true,"complaint_id":"7966012","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-07T21:32:45.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Agent</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> , <em>Principal</em> To who it may <em>concern</em>, Account Name : <em>XXXX</em>  Account Number : <em>XXXX</em> You are reporting this collection as an OPEN ACCOUNT which is not under FCRA <em>compliance</em>. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. \n\nI also want to dispute certain information on my credit report, as provided by your agency."]},"sort":[14.13901,"7966012"]},{"_index":"complaint-public-v1","_id":"13287656","_score":14.123375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX, trustee XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX RE : Urgent Legal Demand Fraudulent Bankruptcy and Unlawful Reinsertions File # XXXX To Whom It May Concern : NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT.\n\nI am writing to submit a formal and final dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding immediate removal of : 1. The fraudulent bankruptcy ( Case No. XXXX  ) currently listed in my TransUnion file ; 2. All accounts and tradelines that were removed, then reinserted without providing the legally mandated notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\nThis pattern of misreporting, unauthorized reinsertion, and willful disregard for statutory due process is not only harmful but establishes prima facie evidence of consumer rights violations. \n\n\n\nI. BANKRUPTCY DISPUTE Case # XXXX As outlined in previous notices, this bankruptcy is : Fraudulent, as no petition was filed or signed by me ; Inaccurate, as I have no verified court order or adjudication linking me as a debtor ; Unverified, as TransUnion relied solely on PACER extracts obtained through LexisNexis a secondary vendor not authorized to determine individual identity or debt validity. \n\nThis constitutes a willful violation of : 15 U.S.C. 1681i ( a ) Failure to conduct a lawful and reasonable reinvestigation ; 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy ; 15 U.S.C. 1692e ( 8 ) Continuing to communicate disputed information ; Michigan Compiled Laws 445.2512 et seq. Unlawful dissemination of inaccurate personal data ; UCC 3-501 and 9-210 Failure to verify the authenticity and origin of alleged obligation ; TILA ( 15 U.S.C. 1601 et seq. ) No consent, disclosure, or signed obligation exists to justify this reporting.\n\nFurther, per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your investigation and verification process fails the legal threshold of reasonable procedures required under the FCRA.\n\nII. VIOLATION ILLEGAL REINSERTION OF REMOVED ITEMS WITHOUT NOTICE Additionally, I demand immediate deletion of any and all tradelines/accounts previously removed and later reinserted into my file without proper notice as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), which mandates : If any item of information is deleted from a consumers file the agency shall not reinsert the information unless the furnisher of the information certifies that the information is complete and accurate. The consumer reporting agency shall notify the consumer not later than 5 business days after the reinsertion.\n\nI possess documented email notices and archived credit reports proving these reinsertions occurred without any written notice, certification of accuracy, or explanation, thereby violating both statutory mandates and my rights to due process. These actions represent a pattern of willful statutory abuse and deceptive data handling.\n\nIII. DEMANDS FOR IMMEDIATE COMPLIANCE You are hereby directed to : 1. Delete Bankruptcy Case No. XXXX  from my consumer file immediately.\n\n2. Permanently delete all reinserted accounts where no 5-day written notice was provided.\n\n3. Provide written confirmation of deletions and a description of your reinvestigation procedure, including the business names, addresses, and phone numbers of all data furnishers contacted.\n\n4. Cease all future attempts to reinsert previously disputed items without full legal compliance.\n\n5. Update and furnish a corrected credit file to all recipients of my consumer report in the past 6 months, as required under 15 U.S.C. 1681i ( d ).\n\nIf you fail to comply within 15 calendar days, I will file formal complaints with the Consumer Financial Protection Bureau, the Michigan Attorney Generals Office, and initiate civil litigation under 15 U.S.C. 1681n, 1681o, and related federal and state provisions. I will seek actual damages, statutory damages, punitive damages, costs, and attorneys fees for each willful and negligent violation.\n\nThis is your final notice before litigation. \n\nGovern yourself accordingly. \n\nSincerely, XXXX XXXX XXXX, trustee XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-01T17:11:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48085","tags":null,"has_narrative":true,"complaint_id":"13287656","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-05-01T17:10:38.000Z","state":"MI","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, trustee <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, PA <em>XXXX</em> RE : Urgent Legal Demand Fraudulent Bankruptcy and Unlawful Reinsertions File # <em>XXXX</em> To <em>Whom</em> It May <em>Concern</em> : NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em>. NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em>.\n\nI am <em>writing</em> to submit a formal and final dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding immediate removal of : 1. The fraudulent bankruptcy ( Case No."]},"sort":[14.123375,"13287656"]},{"_index":"complaint-public-v1","_id":"13278756","_score":14.122515,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX, trustee XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX Department XXXX. XXXX XXXX XXXX, PA XXXX RE : Urgent Legal Demand Fraudulent Bankruptcy and Unlawful Reinsertions File # XXXX To Whom It May Concern : NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. \n\nI am writing to submit a formal and final dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding immediate removal of : XXXX. The fraudulent bankruptcy ( XXXX XXXX. XXXX ) currently listed in my TransUnion file ; 2. All accounts and tradelines that were removed, then reinserted without providing the legally mandated notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).\n\nThis pattern of misreporting, unauthorized reinsertion, and willful disregard for statutory due process is not only harmful but establishes XXXX XXXX evidence of consumer rights violations. \n\n\n\nI. BANKRUPTCY DISPUTE Case # XXXX As outlined in previous notices, this bankruptcy is : Fraudulent, as no petition was filed or signed by me ; Inaccurate, as I have no verified court order or adjudication linking me as a debtor ; Unverified, as TransUnion relied solely on PACER extracts obtained through XXXX a secondary vendor not authorized to determine individual identity or debt validity. \n\nThis constitutes a willful violation of : 15 U.S.C. 1681i ( a ) Failure to conduct a lawful and reasonable reinvestigation ; 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy ; 15 U.S.C. 1692e ( 8 ) Continuing to communicate disputed information ; Michigan Compiled Laws 445.2512 et seq. Unlawful dissemination of inaccurate personal data ; UCC 3-501 and 9-210 Failure to verify the authenticity and origin of alleged obligation ; TILA ( 15 U.S.C. 1601 et seq. ) No consent, disclosure, or signed obligation exists to justify this reporting. \n\nFurther, per XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your investigation and verification process fails the legal threshold of reasonable procedures required under the FCRA. \n\n\n\nII. VIOLATION ILLEGAL REINSERTION OF REMOVED ITEMS WITHOUT NOTICE Additionally, I demand immediate deletion of any and all tradelines/accounts previously removed and later reinserted into my file without proper notice as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), which mandates : If any item of information is deleted from a consumers file the agency shall not reinsert the information unless the furnisher of the information certifies that the information is complete and accurate. The consumer reporting agency shall notify the consumer not later than 5 business days after the reinsertion.\n\nI possess documented email notices and archived credit reports\nproving these reinsertions occurred without any written notice, certification of accuracy, or explanation, thereby violating both statutory mandates and my rights to due process. These actions represent a pattern of willful statutory abuse and deceptive data handling.\n\nIII. DEMANDS FOR IMMEDIATE COMPLIANCE You are hereby directed to : XXXX. Delete Bankruptcy XXXX XXXX. XXXX from my consumer file immediately. \n2. Permanently delete all reinserted accounts where no 5-day written notice was provided.\n\n3. Provide written confirmation of deletions and a description of your reinvestigation procedure, including the business names, addresses, and phone numbers of all data furnishers contacted.\n\n4. Cease all future attempts to reinsert previously disputed items without full legal compliance.\n\n5. Update and furnish a corrected credit file to all recipients of my consumer report in the past 6 months, as required under 15 U.S.C. 1681i ( d ).\n\nIf you fail to comply within 15 calendar days, I will file formal complaints with the Consumer Financial Protection Bureau, the Michigan Attorney Generals Office, and initiate civil litigation under 15 U.S.C. 1681n, 1681o, and related federal and state provisions. I will seek actual damages, statutory damages, punitive damages, costs, and attorneys fees for each willful and negligent violation. \n\nThis is your final notice before litigation. \n\nGovern yourself accordingly. \n\nSincerely, XXXX XXXX XXXX, trustee XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-01T17:11:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48085","tags":null,"has_narrative":true,"complaint_id":"13278756","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-01T17:10:38.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, trustee <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> TransUnion LLC <em>XXXX</em> <em>XXXX</em> Department <em>XXXX</em>. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, PA <em>XXXX</em> RE : Urgent Legal Demand Fraudulent Bankruptcy and Unlawful Reinsertions File # <em>XXXX</em> To <em>Whom</em> It May <em>Concern</em> : NOTICE TO <em>AGENT</em> IS NOTICE TO <em>PRINCIPAL</em>. NOTICE TO <em>PRINCIPAL</em> IS NOTICE TO <em>AGENT</em>. \n\nI am <em>writing</em> to submit a formal and final dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding immediate removal of : <em>XXXX</em>."]},"sort":[14.122515,"13278756"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":127,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":127}]}},"product":{"doc_count":127,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":72,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":72}]}},{"key":"Debt collection","doc_count":26,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":11},{"key":"Credit card 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