{"took":133,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1303,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8579145","_score":18.625908,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"i did not receive a 5 day notification that this information ( XXXX XXXX XXXX ) will be reporting to my consumer profile ( Equifax ), also this information in fraud ( aggravated fraud ). XXXX  XXXX XXXX is reporting information without my consent and is only reporting to one reporting agency. Equifax has been informed on a few attempt to remove this info Equifax is violating 6 FCRA compliances. \n\nEVIDENCE IS ATTACHED BELOW IVE COMPLAINED TO XXXX ABOUT THE REINSERTION OF XXXX XXXX  XXXX ALSO THIS IS THE SECOND TIME DISPUTING THIS INFORMATION Section 607 - Compliance Procedures : This section outlines the responsibilities of consumer reporting agencies ( CRAs ) to ensure the accuracy and completeness of the information they collect and report. CRAs must establish and maintain reasonable procedures to ensure maximum possible accuracy and completeness of the information in consumer reports. \n\nSection 611 - Procedure in Case of Disputed Accuracy : This section outlines the process for consumers to dispute incomplete or inaccurate information on their credit reports. It requires CRAs to conduct a reasonable investigation of disputed information and correct or delete any information found to be incomplete or inaccurate within a specified timeframe. \n\nSection 612 - Charges for Certain Disclosures : This section specifies that consumers are entitled to one free copy of their credit report from each CRA every 12 months upon request. If a consumer disputes incomplete information and a corrected report is requested, the CRA must provide a free copy of the corrected report. \n\nSection 616 - Civil Liability for Willful Noncompliance : This section establishes civil liability for CRAs and furnishers of information for willful noncompliance with FCRA requirements, including the reporting of incomplete or inaccurate information. Consumers may be entitled to damages in cases of willful noncompliance. \n\nSection 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section outlines the responsibilities of entities that furnish information to CRAs. Furnishers must provide complete and accurate information and conduct reasonable investigations when notified of disputed information by CRAs. \n\nSection 631 - Public Record Information for Employment Purposes : While primarily focused on consumer reports used for employment purposes, this section also emphasizes the importance of accurate and complete public record information in consumer reports. \n\nThese provisions collectively ensure that consumers have the right to accurate and complete information in their consumer reports and establish procedures for disputing and correcting incomplete or inaccurate information. If you believe that incomplete information on your consumer report violates any of these FCRA provisions, you can take steps to dispute and correct the information with the relevant CRA.","date_sent_to_company":"2024-03-19T15:11:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60656","tags":null,"has_narrative":true,"complaint_id":"8579145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-19T14:29:30.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["These <em>provisions</em> collectively ensure that consumers have the right to accurate and complete information in their consumer reports and establish <em>procedures</em> for disputing and correcting incomplete or inaccurate information. If you believe that incomplete information on your consumer report violates any of these <em>FCRA</em> <em>provisions</em>, you can take steps to dispute and correct the information with the relevant CRA."]},"sort":[18.625908,"8579145"]},{"_index":"complaint-public-v1","_id":"5803507","_score":18.205105,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I NEVER disputed the referenced accounts listed below. These items were wrongfully deleted from the credit file. Those positive accounts are being reported by my creditors and you should be reporting the positive accurate information. \n\nCredit bureaus must report all account history accurately under the FCRA. \n\nIn accordance with the requirements of the Fair Credit Reporting Act FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am hereby requesting your complete compliance with all of the provisions. \n\nI am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply by providing the requested information within the 30 days allowed. \n\nThis is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately adding these listings back to my credit report. \n\nXXXX XXXX XXXX XXXX XXXX, Acct. No # XXXX XXXX Credit Card, Acct. No # XXXX XXXX XXXX Acct. No # XXXX XXXX XXXX, Acct. No # XXXX XXXX XXXX, Acct. No # XXXX","date_sent_to_company":"2022-07-23T23:59:28.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60586","tags":null,"has_narrative":true,"complaint_id":"5803507","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-23T23:54:48.000Z","state":"IL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Credit bureaus must report all account history accurately under the <em>FCRA</em>. \n\nIn accordance with the requirements of the Fair Credit Reporting Act <em>FCRA</em> 611, <em>Procedure</em> in <em>case</em> of disputed accuracy [ 15 U.S.C. 1681i ] I am hereby requesting your complete <em>compliance</em> with all of the <em>provisions</em>."]},"sort":[18.205105,"5803507"]},{"_index":"complaint-public-v1","_id":"2676394","_score":17.426302,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On Sunday XXXX XXXX XXXX a credit manager gained access to my credit report and damaged my XXXX and XXXX score. \n\nExperian and third parties gained access to my report and changed accounts. \n\nExperian has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. \n\nReported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX  3. XXXX XXXX EXPERIAN did not independently validate information contained in furnishers records. \nfalse delinquencies EXPERIAN, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). \nEXPERIAN failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. \nEXPERIAN withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.","date_sent_to_company":"2017-09-17T17:12:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06606","tags":null,"has_narrative":true,"complaint_id":"2676394","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-17T16:53:58.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Experian has not followed reasonable <em>procedures</em> in <em>cases</em> of disputed accuracy involving the following tradelines. \n\nReported inaccuracies and <em>FCRA</em> <em>compliance</em> 1.XXXX XXXX XXXX 2.XXXX  3. XXXX XXXX EXPERIAN did not independently validate information contained in furnishers records. \nfalse delinquencies EXPERIAN, failed to implementing the accuracy and integrity standards and direct dispute <em>provisions</em> for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA )."]},"sort":[17.426302,"2676394"]},{"_index":"complaint-public-v1","_id":"2676396","_score":17.38935,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On Sunday XXXX XXXX 2017 a credit manager gained access to my credit report and damaged my XXXX and XXXX XXXX. \n\nXXXX and third parties gained access to my report and changed accounts. \n\nXXXX has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. \n\nReported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. \nfalse delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). \nXXXX failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. \nXXXX withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.","date_sent_to_company":"2017-09-17T17:12:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06606","tags":null,"has_narrative":true,"complaint_id":"2676396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-17T17:12:42.000Z","state":"CT","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX has not followed reasonable <em>procedures</em> in <em>cases</em> of disputed accuracy involving the following tradelines. \n\nReported inaccuracies and <em>FCRA</em> <em>compliance</em> 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. \nfalse delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute <em>provisions</em> for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA )."]},"sort":[17.38935,"2676396"]},{"_index":"complaint-public-v1","_id":"2676395","_score":17.38935,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On Sunday XXXX XXXX 2017 a credit manager gained access to my credit report and damaged my XXXX and XXXX XXXX. \n\nXXXX and third parties gained access to my report and changed accounts. \n\nXXXX has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. \n\nReported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. \nfalse delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). \nXXXX failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. \nXXXX withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.","date_sent_to_company":"2017-09-17T17:12:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06606","tags":null,"has_narrative":true,"complaint_id":"2676395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-17T17:12:42.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX has not followed reasonable <em>procedures</em> in <em>cases</em> of disputed accuracy involving the following tradelines. \n\nReported inaccuracies and <em>FCRA</em> <em>compliance</em> 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. \nfalse delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute <em>provisions</em> for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA )."]},"sort":[17.38935,"2676395"]},{"_index":"complaint-public-v1","_id":"7448360","_score":17.343674,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to formally lodge a complaint regarding a recent interaction I had with XXXX of your representatives, XXXX XXXX XXXX. This communication pertains to issues concerning the misrepresentation of TransUnion and a refusal to comply with my requests under the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/2023, I engaged in a conversation with XXXX XXXX, during which he claimed to represent TransUnion and implied that he was an official representative of the credit bureau. However, subsequent research has revealed that this representation was inaccurate, and I have reason to believe that XXXX XXXX 's actions were deceptive. \n\nFurthermore, I had contacted XXXX XXXX to request information in accordance with the FCRA, specifically under the provisions of XXXX XXXX Code XXXX regarding procedures in the case of disputed accuracy. During our conversation on XX/XX/2023, XXXX XXXX refused to provide the requested information, specifically : XXXX. **The business name and address of any furnisher of information contacted : ** I expected this information in accordance with the FCRA provisions to assist in resolving disputes related to the accuracy of my credit report. \n\nAdditionally, I had reported to XXXX XXXX that I am a victim of identity theft. According to 15 U.S. Code 1681i, a consumer reporting agency is obligated to remove information resulting from alleged identity theft upon receiving appropriate proof of identity, an identity theft report, identification of the information in dispute, and a statement that the information is not related to any transaction by the consumer. Despite my identification as a victim of identity theft and the provision of necessary documentation, this information has not been addressed or removed from my consumer report. \n\nI am deeply concerned about the misrepresentation of TransUnion, the refusal to provide essential information in compliance with federal law, and the failure to address the identity theft-related issues promptly. \n\nI kindly request that TransUnion thoroughly investigate this matter, take appropriate action to address these concerns, and provide a written response outlining the steps taken to rectify the situation. Please ensure that my credit report is updated in accordance with the FCRA and that the misleading actions of your representative are addressed. \n\n\n15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. \n\n\nFRAUD ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2023-08-23T16:31:56.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32714","tags":null,"has_narrative":true,"complaint_id":"7448360","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-23T16:11:05.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Furthermore, I had contacted XXXX XXXX to request information in accordance with the <em>FCRA</em>, specifically under the <em>provisions</em> of XXXX XXXX Code XXXX regarding <em>procedures</em> in the <em>case</em> of disputed accuracy. During our conversation on XX/XX/2023, XXXX XXXX refused to provide the requested information, specifically : XXXX."]},"sort":[17.343674,"7448360"]},{"_index":"complaint-public-v1","_id":"8270870","_score":17.229084,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There is a plethora of unauthorized inquiries that have been reported on my credit report, which constitute clear violations of critical provisions of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. As the Consumer Financial Protection Bureau ( CFPB ) is entrusted with upholding the full scope of consumer protection laws, including those governing the fairness and accuracy of consumer reports, I request a thorough investigation into this matter.The unauthorized inquiries in question not only contravene the FCRA 's 15 U.S. Code 1681b, which explicitly delineates the permissible purposes for accessing consumer reports but also infringe upon 15 U.S. Code 1681c by incorporating information that unequivocally falls outside the prescribed criteria. These provisions are fundamental in preserving the integrity and precision of consumer reports, rendering these violations patently indefensible.Furthermore, the Privacy Act of 1974, 5 U.S. Code 552a, which operates in conjunction with the FCRA, sets forth critical safeguards for the privacy and accuracy of personal information held by federal agencies. The unauthorized inclusion of inquiries on my credit report without my knowledge or consent raises concerns regarding compliance with the Privacy Act 's provisions, as it pertains to the handling of personal data.Moreover, 15 U.S. Code 1681e ( a ) underscores the necessity of consumer reporting agencies adhering to rational procedures to avert infractions of section 1681c and to confine the provision of consumer reports solely to the purposes enumerated under section 1681b. These procedures necessitate prospective users to unequivocally identify themselves, certify the precise intent for which the information is sought, and confirm their commitment to employ the data solely for the certified purpose. Every consumer reporting agency is duty-bound to meticulously verify the identity and intentions of new prospective users before releasing a consumer report. The evident transgressions of these procedures in my case raise profound concerns regarding compliance with the FCRA.In addition, 15 U.S. Code 1681e ( b ) underscores the obligation of consumer reporting agencies to ensure the maximum attainable accuracy of consumer reports. The unauthorized inquiries, bearing no legitimate justification and violating the aforementioned sections, cast serious doubts upon the veracity and reliability of my credit report.I firmly assert that these unauthorized inquiries and their subsequent inclusion on my credit report are indisputable breaches of the FCRA and the Privacy Act of 1974. They were incorporated without my knowledge, consent, or any valid basis for inclusion.\n\nFor Reference These codes solidify claims above : 1 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports : \" Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. '' 2 ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : \" Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : '' \" Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' 3 ) 15 U.S. Code 1681e - Compliance procedures : \" ( a ) Identity and purposes of credit users : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' \" ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''","date_sent_to_company":"2024-02-02T06:22:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90804","tags":null,"has_narrative":true,"complaint_id":"8270870","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-02-02T06:22:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The evident transgressions of these <em>procedures</em> in my <em>case</em> raise profound concerns regarding <em>compliance</em> with the <em>FCRA</em>.In addition, 15 U.S. Code 1681e ( b ) underscores the obligation of consumer reporting agencies to ensure the maximum attainable accuracy of consumer reports."]},"sort":[17.229084,"8270870"]},{"_index":"complaint-public-v1","_id":"8270928","_score":17.203064,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There is a plethora of unauthorized inquiries that have been reported on my credit report, which constitute clear violations of critical provisions of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. As the Consumer Financial Protection Bureau ( CFPB ) is entrusted with upholding the full scope of consumer protection laws, including those governing the fairness and accuracy of consumer reports, I request a thorough investigation into this matter.The unauthorized inquiries in question not only contravene the FCRA 's 15 U.S. Code 1681b, which explicitly delineates the permissible purposes for accessing consumer reports but also infringe upon 15 U.S. Code 1681c by incorporating information that unequivocally falls outside the prescribed criteria. These provisions are fundamental in preserving the integrity and precision of consumer reports, rendering these violations patently indefensible.Furthermore, the Privacy Act of 1974, 5 U.S. Code 552a, which operates in conjunction with the FCRA, sets forth critical safeguards for the privacy and accuracy of personal information held by federal agencies. The unauthorized inclusion of inquiries on my credit report without my knowledge or consent raises concerns regarding compliance with the Privacy Act 's provisions, as it pertains to the handling of personal data.Moreover, 15 U.S. Code 1681e ( a ) underscores the necessity of consumer reporting agencies adhering to rational procedures to avert infractions of section 1681c and to confine the provision of consumer reports solely to the purposes enumerated under section 1681b. These procedures necessitate prospective users to unequivocally identify themselves, certify the precise intent for which the information is sought, and confirm their commitment to employ the data solely for the certified purpose. Every consumer reporting agency is duty-bound to meticulously verify the identity and intentions of new prospective users before releasing a consumer report. The evident transgressions of these procedures in my case raise profound concerns regarding compliance with the FCRA.In addition, 15 U.S. Code 1681e ( b ) underscores the obligation of consumer reporting agencies to ensure the maximum attainable accuracy of consumer reports. The unauthorized inquiries, bearing no legitimate justification and violating the aforementioned sections, cast serious doubts upon the veracity and reliability of my credit report.I firmly assert that these unauthorized inquiries and their subsequent inclusion on my credit report are indisputable breaches of the FCRA and the Privacy Act of 1974. They were incorporated without my knowledge, consent, or any valid basis for inclusion.\n\nFor Reference These codes solidify claims above : 1 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports : \" Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. '' 2 ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : \" Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : '' \" Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' 3 ) 15 U.S. Code 1681e - Compliance procedures : \" ( a ) Identity and purposes of credit users : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' \" ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''","date_sent_to_company":"2024-02-02T06:22:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90804","tags":null,"has_narrative":true,"complaint_id":"8270928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-02T05:42:08.000Z","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":["The evident transgressions of these <em>procedures</em> in my <em>case</em> raise profound concerns regarding <em>compliance</em> with the <em>FCRA</em>.In addition, 15 U.S. Code 1681e ( b ) underscores the obligation of consumer reporting agencies to ensure the maximum attainable accuracy of consumer reports."]},"sort":[17.203064,"8270928"]},{"_index":"complaint-public-v1","_id":"8270866","_score":17.203064,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There is a plethora of unauthorized inquiries that have been reported on my credit report, which constitute clear violations of critical provisions of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. As the Consumer Financial Protection Bureau ( CFPB ) is entrusted with upholding the full scope of consumer protection laws, including those governing the fairness and accuracy of consumer reports, I request a thorough investigation into this matter.The unauthorized inquiries in question not only contravene the FCRA 's 15 U.S. Code 1681b, which explicitly delineates the permissible purposes for accessing consumer reports but also infringe upon 15 U.S. Code 1681c by incorporating information that unequivocally falls outside the prescribed criteria. These provisions are fundamental in preserving the integrity and precision of consumer reports, rendering these violations patently indefensible.Furthermore, the Privacy Act of 1974, 5 U.S. Code 552a, which operates in conjunction with the FCRA, sets forth critical safeguards for the privacy and accuracy of personal information held by federal agencies. The unauthorized inclusion of inquiries on my credit report without my knowledge or consent raises concerns regarding compliance with the Privacy Act 's provisions, as it pertains to the handling of personal data.Moreover, 15 U.S. Code 1681e ( a ) underscores the necessity of consumer reporting agencies adhering to rational procedures to avert infractions of section 1681c and to confine the provision of consumer reports solely to the purposes enumerated under section 1681b. These procedures necessitate prospective users to unequivocally identify themselves, certify the precise intent for which the information is sought, and confirm their commitment to employ the data solely for the certified purpose. Every consumer reporting agency is duty-bound to meticulously verify the identity and intentions of new prospective users before releasing a consumer report. The evident transgressions of these procedures in my case raise profound concerns regarding compliance with the FCRA.In addition, 15 U.S. Code 1681e ( b ) underscores the obligation of consumer reporting agencies to ensure the maximum attainable accuracy of consumer reports. The unauthorized inquiries, bearing no legitimate justification and violating the aforementioned sections, cast serious doubts upon the veracity and reliability of my credit report.I firmly assert that these unauthorized inquiries and their subsequent inclusion on my credit report are indisputable breaches of the FCRA and the Privacy Act of 1974. They were incorporated without my knowledge, consent, or any valid basis for inclusion. \n\nFor Reference These codes solidify claims above : 1 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports : \" Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. '' 2 ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : \" Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : '' \" Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' 3 ) 15 U.S. Code 1681e - Compliance procedures : \" ( a ) Identity and purposes of credit users : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' \" ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''","date_sent_to_company":"2024-02-02T06:22:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90804","tags":null,"has_narrative":true,"complaint_id":"8270866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-02-02T06:22:45.000Z","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":["The evident transgressions of these <em>procedures</em> in my <em>case</em> raise profound concerns regarding <em>compliance</em> with the <em>FCRA</em>.In addition, 15 U.S. Code 1681e ( b ) underscores the obligation of consumer reporting agencies to ensure the maximum attainable accuracy of consumer reports."]},"sort":[17.203064,"8270866"]},{"_index":"complaint-public-v1","_id":"10321419","_score":16.92707,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint regarding Experian 's negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ) in resolving a credit report dispute I submitted. I initially requested a procedural investigation into inaccurate reporting on my credit file on XX/XX/year> regarding accounts with XXXX XXXX and XXXX XXXX. Unfortunately, this investigation failed to address the issues appropriately, and Experian remains non-compliant with federal regulations. \n\nOn XX/XX/year>, I requested a second investigation and the deletion of XXXX XXXX account, and on XX/XX/year>, I requested a second investigation and the deletion of XXXX XXXX account due to ongoing inaccurate reporting of a charge-off across multiple months. Despite providing detailed information supporting my claim, Experian has continued to negligently report inaccurate information, which violates their obligations under the FCRA. \n\nAccording to FCRA provisions : 1. 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) : Experian has failed to conduct a reasonable reinvestigation of the disputed information. They are obligated to remove or correct inaccurate, incomplete, or unverifiable information, yet they have not resolved the inaccuracies in my credit report. \n\n2. 15 U.S. Code 1681e ( b ) ( Compliance procedures ) : Experian is required to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. The continued erroneous reporting of a charge-off reflects a failure in maintaining such reasonable procedures. \n\n3. 15 U.S. Code 1681s-2 ( b ) ( Duties of furnishers of information ) : Experian 's failure to properly address the inaccuracies constitutes a breach of their responsibilities to ensure the accuracy and integrity of the reported information, especially after a direct dispute was submitted. \n\nIn addition, Experian 's repeated negligence in failing to address this issue and comply with federal regulations has caused significant harm to my credit standing, violating my rights under the FCRA. The inaccurate charge-off reporting has affected my ability to secure credit, causing undue financial stress","date_sent_to_company":"2024-10-02T20:04:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77459","tags":null,"has_narrative":true,"complaint_id":"10321419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-02T19:14:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite providing detailed information supporting my claim, Experian has continued to negligently report inaccurate information, which violates their obligations under the <em>FCRA</em>. \n\nAccording to <em>FCRA</em> <em>provisions</em> : 1. 15 U.S. Code 1681i ( <em>Procedure</em> in <em>case</em> of disputed accuracy ) : Experian has failed to conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.92707,"10321419"]},{"_index":"complaint-public-v1","_id":"3077860","_score":16.67458,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2018 I received a credit monitoring alert from Experian Information Solutions Inc. that a student loan from XXXX XXXX/XXXX  was entered on the credit report as new account numbers in collection. There has been no debt validation or verification, XXXX/XXXX  violated the Fair Debt Collection Practices Act when their collection agents called my phone after asking them to stop. A complaint was filed with the CT Dept of Banking in regard the telephone harassment. \n\nIt is illegal to report old time barred accounts and re-age the date of fist delinquency on disputed accounts. Experian has violated the 1681 of the FCRA, and provisions of the FDCPA by failing to follow reasonable procedures in cases of disputed accuracy, including engaging in unfair deceptive credit reporting and debt collection practices with XXXX XXXX a division of XXXX. \n\nIt is illegal to design compile and report credit information from disputed accounts in an attempt to re-age or change or alter account related history, including payments or other data not reflected in the account history. Experian is harassing and staking consumer. Consumer will contact the Sheriffs office and serve Experian a writ. If this consumer complaint is not resolved in full satisfaction of FCRA compliance standards set forth by the consumer credit industry. Consumer will file in state of federal court for willful violations of the FCRA and FDCPA in full force permitted by state and federal consumer protection laws including attorneys fees. \n\n\nXXXX/XXXX XXXX a division of XXXX can not collect on this student loan because it exceeded the terms and conditions on the original contract agreement. There is neither an assignment clause that permits any other \" servicer '' or collection agency to collect on behalf of private student loan lenders. Private student loans have specific guidelines to follow and are subject to CFPB rules and specific federal laws pertaining to collection and credit reporting ( FCRA ) compliance procedures.","date_sent_to_company":"2018-11-19T07:34:50.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Private student loan debt","zip_code":"06606","tags":null,"has_narrative":true,"complaint_id":"3077860","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-11-19T07:08:47.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Private student loans have specific guidelines to follow and are subject to CFPB rules and specific federal laws pertaining to collection and credit reporting ( <em>FCRA</em> ) <em>compliance</em> <em>procedures</em>."]},"sort":[16.67458,"3077860"]},{"_index":"complaint-public-v1","_id":"10470579","_score":16.574526,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for violating several provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in credit reports. \n\nExperian has repeatedly listed incorrect names and addresses on my credit report. I have disputed these inaccuracies multiple times, as outlined under 15 U.S. Code 1681i ( a ), which requires a consumer reporting agency to conduct a timely reinvestigation of disputed information. Despite these requests, Experian has failed to take any corrective action, continuing to report false information. This deliberate disregard for their obligations under the FCRA places my credit score and financial standing at risk. \n\nI request the permanent deletion of these inaccuracies from my credit report as required under the FCRA when information is found to be inaccurate or unverifiable after a reinvestigation. Furthermore, I expect compliance with 15 U.S. Code 1681c, which mandates the timely removal of outdated or incorrect information. If Experian continues to violate these provisions, I believe they should face penalties, including possible fines, for ongoing noncompliance under 15 U.S. Code 1681n, which holds consumer reporting agencies civilly liable for willful violations of the FCRA. \n\nRecent case law, such as XXXX v. XXXX XXXX, demonstrates that failure to comply with FCRA regulations can lead to substantial legal and financial consequences for credit reporting agencies. In that case, XXXX was ordered to pay significant damages for similar misconduct involving inaccurate reporting and the failure to correct errors after being notified. \n\nI urge the CFPB to take immediate action to ensure that Experian complies with its legal obligations under the FCRA, including the permanent deletion of these inaccuracies from my report and enforcement of penalties if Experian continues to violate consumer rights. \n\nThank you for your attention to this matter, and please feel free to contact me if you need further details or documentation.","date_sent_to_company":"2024-10-17T02:20:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34205","tags":null,"has_narrative":true,"complaint_id":"10470579","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-17T01:49:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If Experian continues to violate these <em>provisions</em>, I believe they should face penalties, including possible fines, for ongoing noncompliance under 15 U.S. Code 1681n, which holds consumer reporting agencies civilly liable for willful violations of the <em>FCRA</em>. \n\nRecent <em>case</em> law, such as XXXX v. XXXX XXXX, demonstrates that failure to comply with <em>FCRA</em> regulations can lead to substantial legal and financial consequences for credit reporting agencies."]},"sort":[16.574526,"10470579"]},{"_index":"complaint-public-v1","_id":"11441153","_score":16.296019,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. \n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. \n\nImmediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. \n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. \n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. \n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. \n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. \n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. \n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T20:03:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11441153","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-08T20:02:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( <em>Procedure</em> in <em>Case</em> of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the <em>procedures</em> that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key <em>provisions</em> include : The agency must conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.296019,"11441153"]},{"_index":"complaint-public-v1","_id":"11430394","_score":16.296019,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Experian. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.\n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.\n\nImmediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable.\n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute.\n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Experian will handle this matter with due diligence and compliance with federal regulations.\n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process.\n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. \n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. \n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T19:08:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11430394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-08T19:08:29.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( <em>Procedure</em> in <em>Case</em> of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the <em>procedures</em> that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key <em>provisions</em> include : The agency must conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.296019,"11430394"]},{"_index":"complaint-public-v1","_id":"11429172","_score":16.296019,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Experian. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. \n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. \n\nXXXX correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. \n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. \n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Experian will handle this matter with due diligence and compliance with federal regulations. \n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. \n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. \n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. \n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T19:52:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11429172","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-08T19:51:44.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( <em>Procedure</em> in <em>Case</em> of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the <em>procedures</em> that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key <em>provisions</em> include : The agency must conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.296019,"11429172"]},{"_index":"complaint-public-v1","_id":"11428162","_score":16.296019,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by TransUnion. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.\n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.\n\nImmediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable.\n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute.\n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that TransUnion will handle this matter with due diligence and compliance with federal regulations.\n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process.\n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. \n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. \n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T19:31:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11428162","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-08T19:30:49.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( <em>Procedure</em> in <em>Case</em> of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the <em>procedures</em> that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key <em>provisions</em> include : The agency must conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.296019,"11428162"]},{"_index":"complaint-public-v1","_id":"11441155","_score":16.289495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. \n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. \n\nImmediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. \n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. \n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. \n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. \n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. \n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. \n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T20:03:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11441155","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-08T20:02:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( <em>Procedure</em> in <em>Case</em> of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the <em>procedures</em> that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key <em>provisions</em> include : The agency must conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.289495,"11441155"]},{"_index":"complaint-public-v1","_id":"11440565","_score":16.289495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.\n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.\n\nImmediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. \n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. \n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. \n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. \n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. \n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. \n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T19:20:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11440565","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-08T19:09:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( <em>Procedure</em> in <em>Case</em> of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the <em>procedures</em> that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key <em>provisions</em> include : The agency must conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.289495,"11440565"]},{"_index":"complaint-public-v1","_id":"11430392","_score":16.289495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Experian. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.\n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.\n\nImmediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. \n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. \n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Experian will handle this matter with due diligence and compliance with federal regulations. \n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. \n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information.\n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. \n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T19:08:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11430392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-08T19:08:29.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( <em>Procedure</em> in <em>Case</em> of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the <em>procedures</em> that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key <em>provisions</em> include : The agency must conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.289495,"11430392"]},{"_index":"complaint-public-v1","_id":"11429009","_score":16.289495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Experian. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.\n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.\n\nImmediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. \n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. \n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Experian will handle this matter with due diligence and compliance with federal regulations. \n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. \n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. \n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. \n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T19:51:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11429009","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-08T19:38:58.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( <em>Procedure</em> in <em>Case</em> of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the <em>procedures</em> that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key <em>provisions</em> include : The agency must conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.289495,"11429009"]},{"_index":"complaint-public-v1","_id":"11427421","_score":16.287472,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by TransUnion. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.\n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.\n\nImmediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable.\n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute.\n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that TransUnion will handle this matter with due diligence and compliance with federal regulations.\n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. \n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information.\n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file.\n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T20:18:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11427421","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-08T20:18:02.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( <em>Procedure</em> in <em>Case</em> of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the <em>procedures</em> that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key <em>provisions</em> include : The agency must conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.287472,"11427421"]},{"_index":"complaint-public-v1","_id":"11440601","_score":16.272205,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. \n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. \n\nImmediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. \n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. \n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. \n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. \n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. \n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. \n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T19:20:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11440601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-08T19:20:35.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( <em>Procedure</em> in <em>Case</em> of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the <em>procedures</em> that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key <em>provisions</em> include : The agency must conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.272205,"11440601"]},{"_index":"complaint-public-v1","_id":"11440585","_score":16.272205,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. \n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. \n\nImmediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. \n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. \n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. \n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. \n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. \n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. \n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T19:20:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11440585","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-08T19:20:35.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( <em>Procedure</em> in <em>Case</em> of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the <em>procedures</em> that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key <em>provisions</em> include : The agency must conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.272205,"11440585"]},{"_index":"complaint-public-v1","_id":"11429275","_score":16.272205,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Dispute of Charge-Off under XXXX5 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by TransUnion. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. \n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. \n\nXXXX correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. \n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. \n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that TransUnion will handle this matter with due diligence and compliance with federal regulations. \n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. \n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. \n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. \n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T20:17:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11429275","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-08T20:04:20.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( <em>Procedure</em> in <em>Case</em> of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the <em>procedures</em> that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key <em>provisions</em> include : The agency must conduct a reasonable reinvestigation of the disputed information."]},"sort":[16.272205,"11429275"]},{"_index":"complaint-public-v1","_id":"11441254","_score":16.258661,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. \n\nPursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. \n\nXXXX correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. \n\nWritten confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. \n\nThe FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. \n\nAttached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. \n\nThank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX U.S.C. XXXX ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. \n\nIf the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. \n\nThe consumer must be informed of the results of the reinvestigation within the required timeframe. \n\nFailure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.","date_sent_to_company":"2025-01-08T20:02:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"11441254","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-08T19:53:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to comply with these <em>procedures</em> can result in a violation of the <em>FCRA</em> and entitles the consumer to seek corrections and legal remedies."]},"sort":[16.258661,"11441254"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1303,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1303}]}},"product":{"doc_count":1303,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":946,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":938},{"key":"Other personal consumer report","doc_count":8}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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