{"took":189,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1373,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6821846","_score":19.42977,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I was sent a letter stating that XXXX XXXX verified this information to experian and I have no bankruptcy on my XXXX XXXX report to verify as accrue. Viewing Type demonstrating XXXX XXXX Bankruptcy. There are some aspects of this account that I am having trouble understanding ... because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? \nLets examine Liability showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof","date_sent_to_company":"2023-04-10T16:05:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35209","tags":null,"has_narrative":true,"complaint_id":"6821846","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-10T16:05:23.000Z","state":"AL","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":["There is no question that <em>compliance</em> with <em>regulatory</em> <em>mandates</em> for <em>accurate</em> credit reporting, <em>including</em> those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and <em>compliance</em> with credit-reporting guidelines. Physical tangible proof"]},"sort":[19.42977,"6821846"]},{"_index":"complaint-public-v1","_id":"6821929","_score":19.378227,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I was sent a letter stating that XXXX XXXX verified this information to experian and I have no bankruptcy on my XXXX XXXX report to verify as accrue. Viewing Type demonstrating XXXX XXXX Bankruptcy. There are some aspects of this account that I am having trouble understanding ... because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? \nLets examine Liability showing 0 Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/2020. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof","date_sent_to_company":"2023-04-10T16:04:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35209","tags":null,"has_narrative":true,"complaint_id":"6821929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-10T15:38:41.000Z","state":"AL","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":["There is no question that <em>compliance</em> with <em>regulatory</em> <em>mandates</em> for <em>accurate</em> credit reporting, <em>including</em> those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and <em>compliance</em> with credit-reporting guidelines. Physical tangible proof"]},"sort":[19.378227,"6821929"]},{"_index":"complaint-public-v1","_id":"11713113","_score":18.222923,"_source":{"product":"Student loan","complaint_what_happened":"**Subject : Urgent Demand for Validation of Reporting Authority and Account Accuracy** To Whom It May Concern, I am formally disputing your continued reporting of late payments on my student loan account, which, according to my records, was **paid in full and closed**. Despite this, your company persists in reporting inaccurate negative information, which is a clear violation of my rights under federal law. I am demanding immediate proof that Edfinancial Services has the **legal right** to report this account and to substantiate your claims in full compliance with federal regulations.\n\nUnder the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681**, and recent updates to consumer protection laws, I am requesting the following documentation : 1. **Proof of ownership and servicing rights : ** Provide certified documentation that establishes Edfinancial Services as the legal owner or authorized servicer of this student loan, including all transfer and assignment agreements from the original creditor.\n\n2. **Regulatory compliance approval : ** Show evidence that your company is in compliance with the latest federal regulations governing student loan reporting, including any approvals or licensing required under applicable consumer protection laws.\n\n3. **Complete account validation : ** Supply a full and detailed payment history, including confirmation that the account was **paid in full and closed**, along with proof of notifications sent to me in compliance with **12 C.F.R. 1022**, which mandates accurate reporting and consumer disclosure.\n\n4. **Legal right to report : ** Cite the specific legal authority under which you claim the right to report this account as delinquent, including references to federal regulations that authorize such reporting.\n\nIf you are unable to provide the requested documentation within **30 days** of this notice, I demand that you **immediately cease reporting this account** to credit bureaus and remove all negative entries related to this matter. Any failure to comply with this request will result in my pursuit of legal action to enforce my rights under the law, including potential complaints to the **Consumer Financial Protection Bureau ( CFPB ) ** and other regulatory agencies. \nThis letter serves as a formal demand for validation and dispute of inaccurate reporting. \nXXXX XXXX","date_sent_to_company":"2025-01-24T00:57:52.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"11713113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-01-24T00:47:30.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["**Complete account validation : ** Supply a full and detailed payment history, <em>including</em> confirmation that the account was **paid in full and closed**, along with proof of notifications sent to me in <em>compliance</em> with **12 C.F.R. 1022**, which <em>mandates</em> <em>accurate</em> reporting and consumer disclosure.\n\n4."]},"sort":[18.222923,"11713113"]},{"_index":"complaint-public-v1","_id":"11583407","_score":17.372005,"_source":{"product":"Student loan","complaint_what_happened":"Comprehensive CFPB Complaint Against Wells Fargo & Company : Systemic Fraud, Regulatory Violations, and Collusion with Third Parties 1. Executive Summary This complaint details Wells Fargo & Companys systemic misconduct, including the fraudulent sale of a {$9.00} billion private student loan portfolio, its evasion of regulatory mandates, violations of federal and state laws, and collusion with XXXX XXXXnd XXXX. These actions, when taken together, demonstrate Wells Fargos ongoing role as a systemic risk to consumers, the financial industry, and regulatory integrity. Wells Fargos blatant disregard for compliance, coupled with potential conflicts of interest involving a Big 4 auditor now seeking authorization to practice law, amplifies the urgency for immediate regulatory intervention.\n\nTimeline of Events : Systemic Fraud and XXXX XXXX XXXX : Wells Fargo Enables Violations Wells Fargo Bank provides a trade finance platform ( Eximbills ) to a foreign bank, enabling {$530.00} XXXX in transactions violating OFAC regulations. \nInadequate risk management allows violations of federal sanctions, highlighting systemic compliance failures. \nXXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), owner of the XXXX XXXX, faces widespread scrutiny for fraudulent practices. \nXXXX state Attorneys General, the Department of Education, and multiple regulatory bodies find XXXX guilty of predatory lending and misrepresentation. \nXXXX : Federal Sanctions on XXXX XXXX 's practices lead to the closure of many XXXX XXXX campuses. The Department of Education revokes XXXX 's accreditation, invalidating the private loans tied to their institutions. \nXXXX : XXXX XXXX XXXX XXXX XXXX XXXX division becomes defunct, leaving borrowers with fraudulent loans that were neither enforceable nor legitimate. \nXXXX : Wells Fargos Regulatory Issues Escalate Multiple consent orders from the OCC, CFPB, and Federal Reserve remain unresolved. \nWells Fargo faces over {$3.00} XXXX in fines for unauthorized accounts, predatory lending, and mortgage-related violations. \nXXXX ( XXXX ) : COVID-19 Pandemic Begins Regulatory scrutiny temporarily diminishes as financial institutions focus on navigating pandemic-related challenges. \nWells Fargo exploits this period to offload its {$9.00} XXXX private student loan portfolio. \nXXXX ( Late ) : Loan Portfolio Sale Wells Fargo sells its private student loan portfolio to a trust managed by XXXX, leveraging a window of regulatory transition during the change in presidential administration. \nPromissory notes tied to the loans are incomplete, invalid under the ESIGN Act, and involve fraudulently originated loans linked to XXXX. \nXXXX : XXXX  Role in Obfuscation The XXXX trust uses opaque structures to avoid accountability and hinders borrowers from obtaining relief. \nBorrowers receive minimal communication or recourse, exacerbating financial and emotional harm. \nXXXX ( XXXX ) : Federal Reserve Fines Wells Fargo Wells Fargo is fined {$67.00} XXXX for systemic compliance failures related to OFAC violations and inadequate risk management.\n\nPresent : Ongoing Regulatory Violations Wells Fargo continues to evade accountability, failing to resolve consent orders or adequately address systemic issues. \nXXXXs potential entry into legal practice raises additional concerns about conflicts of interest and collusion with Wells Fargo. \n\n2. Wells Fargos Sale of Fraudulent Private Student Loan Portfolios In XXXX, Wells Fargo sold a {$9.00} XXXX private student loan portfolio to a trust managed by XXXX. This transaction highlights several key violations : Fraudulent Origination : A significant portion of the loans originated from the defunct XXXX XXXX, part of XXXX, which was found guilty of violating federal and state consumer protection laws through deceptive practices. \nThe Department of Education explicitly stated that loans tied to XXXX were void due to pervasive and widespread substantial misrepresentations that borrowers relied upon to their detriment. \nViolation of the Securities Act, Section 9 : Wells Fargos sale of loans as part of a securitized portfolio constitutes manipulative practices in connection with the sale of securities.\n\nThe obfuscation of the fraudulent origins of these loans represents a material misrepresentation, violating disclosure requirements.\n\nFailure to Audit Promissory Notes : Promissory notes for the loans lack compliance with the ESIGN Act, making them legally unenforceable.\n\nIntention\n\nal Regulatory Evasion : The sale coincided with a change in administration and the COVID-19 pandemic, exploiting a window of weakened regulatory oversight.\n\n3. Regulatory Noncompliance and Negligence Wells Fargo has repeatedly demonstrated a pattern of violating regulatory mandates, including but not limited to : Federal Deposit Insurance Act ( FDIA ) : Wells Fargo engaged in unsafe or unsound practices by failing to address compliance risks in its loan sales.\n\nTruth in Lending Act ( TILA ) : Inadequate disclosures on loan terms and conditions violated TILA, further burdening borrowers with unclear or predatory obligations.\n\nESIGN Act : Noncompliance with electronic signature and recordkeeping standards rendered many promissory notes invalid. \nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Wells Fargo misled borrowers and regulators regarding the validity and enforceability of the loans. \nXXXX XXXX XXXX XXXX XXXX ( XXXX ) Violations : The Federal Reserve sanctioned Wells Fargo for processing {$530.00} XXXX in prohibited transactions, a clear example of systemic compliance failures. \nXXXX. Collusion with XXXX and XXXX XXXX Role in Obfuscation : The loans are now managed through a XXXX trust, which uses opaque structures to avoid accountability. \nServicing practices lack transparency, hindering borrowers from accessing legitimate relief options. \nXXXXs Conflicts of Interest : XXXX, as Wells Fargos auditor, failed to identify material misrepresentations in the loan sale. \nWith former XXXX executives holding key roles at XXXX, the independence of audits and regulatory compliance is highly questionable. \nXXXXs potential entry into legal practice raises the risk of further conflicts of interest, especially in regulatory enforcement contexts. \n5. Wells Fargos Long History of Misconduct Unauthorized Account Scandal : Wells Fargo created millions of fake accounts, resulting in over {$3.00} XXXX in fines and restitution. \nMortgage and Auto Lending Scandals : Wells Fargos auto insurance practices and wrongful foreclosures demonstrate a clear pattern o\n\nf prioritizing profit over consumer protection. Sanctions Violations : Wells Fargo violated OFAC regulations by facilitating prohibited transactions. \nInadequate Oversight : Multiple consent orders from the OCC, CFPB, and Federal Reserve remain unresolved, highlighting Wells Fargos inability or unwillingness to comply.\n\n6. Violations of Federal and State Laws Wells Fargos actions violate numerous statutes, including but not limited to : Securities Act, Section 9 : Prohibits manipulative practices in the sale of securities.\n\nTruth in Lending Act ( TILA ) : Mandates clear and accurate disclosures of loan terms.\n\nFair Debt Collection Practices Act ( FDCPA ) : Wells Fargos servicing practices involve harassment and misrepresentation of loan obligations.\n\nElectronic Signatures in Global and National Commerce Act ( ESIGN Act ) : Requires proper recordkeeping for electronically signed documents.\n\nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Wells Fargos practices meet all criteria for UDAAP violations. \nSarbanes-Oxley Act : Failure to ensure accurate financial disclosures, especially related to securitized loans. \n\n7. Consumer Impact Financial Harm : Borrowers face insurmountable debt due to predatory loans.\n\nDisproportionate Impact : Vulnerable populations, including low-income and minority borrowers, are disproportionately affected.\n\nEmotional Distress : Harassment by servicers and lack of clear recourse exacerbate borrower stress.\n\n8. Relief Requested To protect consumers and ensure accountability, the CFPB must : Initiate a Comprehensive Audit : Conduct a forensic audit of Wells Fargos loan portfolios, focusing on the XXXX trust. \nMandate Loan Discharges : Discharge all loans tied to fraudulent practices or noncompliance with federal laws. \nInvestigate Collusion : Examine the roles of XXXX and XXXX in perpetuating Wells Fargos misconduct.\n\nEnforce Executive Accountability : Hold Wells Fargos executives personally accountable for enabling systemic fraud.\n\nEnhance Oversight : Strengthen regulatory frameworks to prevent similar misconduct by large financial institutions.\n\n9. Consumer Disclaimer Consumers affected by Wells Fargos practices are encouraged to file complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the Comptroller of the Currency ( OCC ) State Attorneys General XXXX XXXX XXXX ( XXXX ) 10. Conclusion Wells Fargos systemic fraud and regulatory evasion must not go unchecked. The sale of fraudulent loans under Section 9 of the Securities Act, in collusion with XXXX and XXXX, highlights the need for immediate and decisive regulatory action. The CFPB has a critical role in holding Wells Fargo accountable and protecting consumers from further harm.","date_sent_to_company":"2025-01-16T15:09:48.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"19438","tags":null,"has_narrative":true,"complaint_id":"11583407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-01-16T14:52:39.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["<em>Regulatory</em> Noncompliance and Negligence Wells Fargo has repeatedly demonstrated a pattern of violating <em>regulatory</em> <em>mandates</em>, <em>including</em> but not limited to : Federal Deposit Insurance Act ( FDIA ) : Wells Fargo engaged in unsafe or unsound practices by failing to address <em>compliance</em> risks in its loan sales.\n\nTruth in Lending Act ( TILA ) : Inadequate disclosures on loan terms and conditions violated TILA, further burdening borrowers with unclear or predatory obligations."]},"sort":[17.372005,"11583407"]},{"_index":"complaint-public-v1","_id":"11169488","_score":17.22902,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as my OFFICIAL WRIT and DECLARATION of NOT indisputable compliant misinformation that is either or all of the following : Deficient of adequate accepted status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, demonstrated OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory required compliant reporting.\n\nThis mandates your immediate action to rectify and remedy any and all infractions or questionable behavior ( s ) by retaining or returning to DEMONSTRATED precise, CORRECT, Complete, and COMPLIANT METRO 2 data field formatted reporting.\n\nI have become aware of some mystifying, still unknown credit inquiries on my credit report. I now compel you to eliminate these unlawful, unproven claims against me. This consumer complaint challenges these proclamations under various consumer protection laws and standards of practice, such as FCRA 611 ( a ) ( 7 ), which specifically mandates the procedural descriptions utilized by you in providing and obtaining these inquiry records, including whether these records were obtained by a third-party details broker and thereafter sold to your firm. \n\nI have contacted EACH of the creditors behind these erroneous inquiries and was informed that, because the inquiry was made via the internet, they have NO record of an application being made BY ME. I have been advised by attorneys that this inquiry record you are reporting is a violation of the FCRA and the FDCPA and can not be reported. Please edit them out immediately.\n\nThe CRSA-enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully unabbreviated 426-character P-Segment or Trailing Segment, which must include the minimally five personal identifiers. In consonance with the CRSA, auto-populating ANY data field or using Slash Entries ( such as 11111 or 00000 ) into the Metro 2 system automatically calls for deletion due to any and all repeating entries being NULL and VOID.\n\nMoreover, the regulatory obligation dictates that ANY and ALL data furnishers MUST include an attached TRAILING SEGMENT that precisely, accurately, and completely includes ALL of the account suggestion ( s ) specifics. This must be performed in a REAL-TIME browser LOCKDOWN to be lawful.\n\nAccording to CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate the dispute in favor of consumers and auto-escalate any and all consumer complaints to a certified Metro 2 compliance-trained specialist.\n\nPhase III of the implementation of the CRSA dictates that SMART auto-responders are non-compliant and unlawful if used by furnishers or accepted by CRAs. Federal laws mandate manual entry for any and all consumer 's FULL P-Segment coding for a response. Please certify in testimonial fact that this occurred. Submission or resubmission of shuffling to populate Metro 2 data fields is illegal. Responsible, lawful, ethical, and complia\nnt consumer credit reporting is a prerequisite for technical accuracy in every single item retained or reported by any consumer credit reporting agency.\n\nMetro 2 compliance requires exacting P-segments, to include the minimal five personal identifiers as well as a precisely and completely full account trailing segment. Per the CRSA, any and all CRA-insourced DISPUTE specialists must be Metro 2 compliance data entry evaluation certified. This qualifying certification can be revoked by consumer complaints to the degree outlined by the NYAG Signing Statement.\n\nI repeat, to lawfully maintain or report any claim of information, whether it be an account or any aspect of such, there must be irrefutable fullness in the truth of reporting, the correctness of reporting, the completeness of reporting, timeliness of reporting, and the undoubted ownership and irrefutable responsibility of adverse claims. Additionally, the adequacy and completeness of informational compliance with the CRSA-enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations, including the 81-month time relevance of accounts, are mandatory.\n\nFurther lawful reporting demands that regulatory compliance rules be applied evenly and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all information, particularly derogatory consumer facts, must abide by every state reporting regulation as well as federal laws, including the CDIA Metro 2 compliance standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA ).\n\nThe below noted issue ( s ) is at a minimum questionable in its reporting if not altogether unlawfully inappropriate to be certifiably compliant : CREDITOR NAME : BK of AMER INQUIRY DATE : XX/XX/year> I demand that you blackout from reporting now or remove from reporting the following injurious claim ( XXXX ) against me : CREDITOR NAME : BK OF AMER INQUIRY DATE : XX/XX/year> This letter serves as formal notice of my request to correct this information in full compliance with the FCRA and CRSA guidelines. I look forward to your prompt resolution of these issues.","date_sent_to_company":"2024-12-16T07:39:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75050","tags":null,"has_narrative":true,"complaint_id":"11169488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-12-16T07:37:10.000Z","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":["Additionally, the adequacy and completeness of informational <em>compliance</em> with the CRSA-enacted CDIA Metro 2 data field formatted reporting <em>regulatory</em> standards and obligations, <em>including</em> the 81-month time relevance of accounts, are mandatory.\n\nFurther lawful reporting demands that <em>regulatory</em> <em>compliance</em> rules be applied evenly and thoroughly from data provider to consumer credit reporting repository."]},"sort":[17.22902,"11169488"]},{"_index":"complaint-public-v1","_id":"15623841","_score":17.200014,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the reporting of outdated, inaccurate, and unverifiable personal information on my credit file, including former names, previous addresses, and obsolete employment records. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and in accordance with judicial precedent affirming the obligation of credit reporting agencies to maintain accurate and relevant consumer information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nUnder FCRA 1681e ( b ), credit reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Inclusion of outdated or unverifiable data constitutes a clear violation of this duty. Furthermore, FCRA 1681i ( a ) requires that CRAs investigate disputed information and update or delete unverifiable data within the statutory investigation period of 3045 days. Outdated information is inherently misleading, irrelevant, and materially harms my creditworthiness.\n\nI hereby demand the following : 1. Immediate deletion of all outdated, inaccurate, or unverifiable names, addresses, and employment records from my credit report.\n\n2. Written confirmation of the deletion and updated reporting in accordance with the FCRA-mandated investigation period.\n\nPlease be advised that failure to comply will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.\n\nCivil litigation seeking statutory and actual damages, attorneys fees, and costs under FCRA 1681n and 1681o.\n\nPotential escalation to state regulatory authorities for violations of consumer protection laws.\n\nAttached are documents verifying my current, accurate personal information, including proof of current name, address, and employment. I expect your prompt attention and resolution in full compliance with the FCRA.\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-30T18:55:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19150","tags":null,"has_narrative":true,"complaint_id":"15623841","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-30T18:24:51.000Z","state":"PA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Attached are documents verifying my current, <em>accurate</em> personal information, <em>including</em> proof of current name, address, and employment. I expect your prompt attention and resolution in full <em>compliance</em> with the FCRA.\n\nSincerely, XXXX XXXX XXXX"]},"sort":[17.200014,"15623841"]},{"_index":"complaint-public-v1","_id":"8025196","_score":17.172377,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint due to unresolved inaccuracies in my credit report related to two accounts with USAA Federal Savings Bank, as reported to XXXX. The reports contain incorrect information and do not comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. \n\nRequest for Review : I have requested USAA to review their data to ensure accuracy according to FCRA and XXXX XXXX compliance standards, including the permissible purpose and accurate sourcing of any inquiries within my credit profile.\n\nChallenged Accounts : The accounts being challenged are listed as USAA FEDERAL SAVINGS XXXX ( XXXX ) - ( XXXX ) XXXX and XXXX. \nSpecific Discrepancies : Key concerns include incorrect payment status reported as 'CollectionOrChargeOff, ' discrepancies in 'Date Opened, ' and 'Account Status ' reported as closed. These inaccuracies deviate from the required XXXX XXXX reporting standards. \nDemand for Compliance and Accuracy : I have demanded documented proof of compliance with reporting standards and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of compliance. \nIssues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and compliance with regulatory mandates for credit reporting. \nCall for Immediate Action : If USAA Federal Savings Bank fails to provide evidence of compliance and does not correct these inaccuracies, I have stated my intention to pursue legal action. \nI am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by USAA Federal Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX.","date_sent_to_company":"2023-12-19T22:15:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32168","tags":"Servicemember","has_narrative":true,"complaint_id":"8025196","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-12-19T22:12:26.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Demand for <em>Compliance</em> and Accuracy : I have demanded documented proof of <em>compliance</em> with reporting standards and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of <em>compliance</em>. \nIssues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and <em>compliance</em> with <em>regulatory</em> <em>mandates</em> for credit reporting."]},"sort":[17.172377,"8025196"]},{"_index":"complaint-public-v1","_id":"15623545","_score":17.152655,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the reporting of outdated, inaccurate, and unverifiable personal information on my credit file, including former names, previous addresses, and obsolete employment records. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and in accordance with judicial precedent affirming the obligation of credit reporting agencies to maintain accurate and relevant consumer information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nUnder FCRA 1681e ( b ), credit reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Inclusion of outdated or unverifiable data constitutes a clear violation of this duty. Furthermore, FCRA 1681i ( a ) requires that CRAs investigate disputed information and update or delete unverifiable data within the statutory investigation period of 3045 days. Outdated information is inherently misleading, irrelevant, and materially harms my creditworthiness.\n\nI hereby demand the following : 1. Immediate deletion of all outdated, inaccurate, or unverifiable names, addresses, and employment records from my credit report.\n\n2. Written confirmation of the deletion and updated reporting in accordance with the FCRA-mandated investigation period.\n\nPlease be advised that failure to comply will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.\n\nCivil litigation seeking statutory and actual damages, attorneys fees, and costs under FCRA 1681n and 1681o.\n\nPotential escalation to state regulatory authorities for violations of consumer protection laws.\n\nAttached are documents verifying my current, accurate personal information, including proof of current name, address, and employment. I expect your prompt attention and resolution in full compliance with the FCRA.\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-30T18:55:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19150","tags":null,"has_narrative":true,"complaint_id":"15623545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-30T18:54:41.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Attached are documents verifying my current, <em>accurate</em> personal information, <em>including</em> proof of current name, address, and employment. I expect your prompt attention and resolution in full <em>compliance</em> with the FCRA.\n\nSincerely, XXXX XXXX XXXX"]},"sort":[17.152655,"15623545"]},{"_index":"complaint-public-v1","_id":"15623580","_score":17.145792,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the reporting of outdated, inaccurate, and unverifiable personal information on my credit file, including former names, previous addresses, and obsolete employment records. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and in accordance with judicial precedent affirming the obligation of credit reporting agencies to maintain accurate and relevant consumer information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nUnder FCRA 1681e ( b ), credit reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Inclusion of outdated or unverifiable data constitutes a clear violation of this duty. Furthermore, FCRA 1681i ( a ) requires that CRAs investigate disputed information and update or delete unverifiable data within the statutory investigation period of 3045 days. Outdated information is inherently misleading, irrelevant, and materially harms my creditworthiness.\n\nI hereby demand the following : 1. Immediate deletion of all outdated, inaccurate, or unverifiable names, addresses, and employment records from my credit report.\n\n2. Written confirmation of the deletion and updated reporting in accordance with the FCRA-mandated investigation period.\n\nPlease be advised that failure to comply will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.\n\nCivil litigation seeking statutory and actual damages, attorneys fees, and costs under FCRA 1681n and 1681o.\n\nPotential escalation to state regulatory authorities for violations of consumer protection laws.\n\nAttached are documents verifying my current, accurate personal information, including proof of current name, address, and employment. I expect your prompt attention and resolution in full compliance with the FCRA.\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-30T18:55:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19150","tags":null,"has_narrative":true,"complaint_id":"15623580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-30T18:54:41.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Attached are documents verifying my current, <em>accurate</em> personal information, <em>including</em> proof of current name, address, and employment. I expect your prompt attention and resolution in full <em>compliance</em> with the FCRA.\n\nSincerely, XXXX XXXX XXXX"]},"sort":[17.145792,"15623580"]},{"_index":"complaint-public-v1","_id":"11259837","_score":17.061909,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XXXX XXXX XXXX, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. XXXX XXXX one of the four major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. \n\nI have attached all supporting documentation, including evidence of the payment made on XXXX XXXX XXXX history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. \nPlease address this dispute within the XXXX period required by the FCRA.","date_sent_to_company":"2024-12-26T01:36:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07203","tags":null,"has_narrative":true,"complaint_id":"11259837","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-26T01:36:23.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I urge XXXX XXXX to immediately correct these errors, ensure <em>compliance</em> with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with <em>regulatory</em> authorities to protect my rights."]},"sort":[17.061909,"11259837"]},{"_index":"complaint-public-v1","_id":"11259759","_score":17.061909,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XX/XX/year>, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. Notably, XXXX, XXXX of the XXXX major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. \nI have attached all supporting documentation, including evidence of the payment made on XX/XX/year>, history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. Please address this dispute within the XXXX period required by the FCRA.","date_sent_to_company":"2024-12-26T01:43:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07203","tags":null,"has_narrative":true,"complaint_id":"11259759","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-26T01:43:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I urge XXXX XXXX to immediately correct these errors, ensure <em>compliance</em> with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with <em>regulatory</em> authorities to protect my rights."]},"sort":[17.061909,"11259759"]},{"_index":"complaint-public-v1","_id":"11259758","_score":17.061909,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XX/XX/year>, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. Notably, XXXX, XXXX of the XXXX major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. \nI have attached all supporting documentation, including evidence of the payment made on XX/XX/year>, history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. Please address this dispute within the XXXX period required by the FCRA.","date_sent_to_company":"2024-12-26T01:43:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07203","tags":null,"has_narrative":true,"complaint_id":"11259758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-26T01:43:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I urge XXXX XXXX to immediately correct these errors, ensure <em>compliance</em> with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with <em>regulatory</em> authorities to protect my rights."]},"sort":[17.061909,"11259758"]},{"_index":"complaint-public-v1","_id":"11257371","_score":17.061909,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XX/XX/2024, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. Notably, XXXX, XXXX of the XXXX major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. \nI have attached all supporting documentation, including evidence of the payment made on XX/XX/2024, history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, a letter with my complaint, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. Please address this dispute within the XXXX period required by the FCRA.","date_sent_to_company":"2024-12-26T01:49:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07203","tags":null,"has_narrative":true,"complaint_id":"11257371","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-26T01:49:43.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I urge XXXX XXXX to immediately correct these errors, ensure <em>compliance</em> with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with <em>regulatory</em> authorities to protect my rights."]},"sort":[17.061909,"11257371"]},{"_index":"complaint-public-v1","_id":"11259836","_score":17.02541,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XXXX XXXX XXXX  which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. XXXX XXXXXXXX, one of the four major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. \n\nI have attached all supporting documentation, including evidence of the payment made on XX/XX/scrub>XXXX XXXX XXXX history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. \nPlease address this dispute within the XXXX period required by the FCRA.","date_sent_to_company":"2024-12-26T01:36:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07203","tags":null,"has_narrative":true,"complaint_id":"11259836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-26T01:36:23.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I urge XXXX XXXX to immediately correct these errors, ensure <em>compliance</em> with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with <em>regulatory</em> authorities to protect my rights."]},"sort":[17.02541,"11259836"]},{"_index":"complaint-public-v1","_id":"11259835","_score":17.02541,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XXXX XXXX XXXX, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. XXXX XXXXXXXX, one of the four major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. \n\nI have attached all supporting documentation, including evidence of the payment made on XX/XX/scrub>XXXX XXXX XXXX  history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. \nPlease address this dispute within the XXXX period required by the FCRA.","date_sent_to_company":"2024-12-26T01:36:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07203","tags":null,"has_narrative":true,"complaint_id":"11259835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-26T01:36:23.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I urge XXXX XXXX to immediately correct these errors, ensure <em>compliance</em> with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with <em>regulatory</em> authorities to protect my rights."]},"sort":[17.02541,"11259835"]},{"_index":"complaint-public-v1","_id":"11257412","_score":17.02541,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XX/XX/year>, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. Notably, XXXX, XXXX of the XXXX major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. \nI have attached all supporting documentation, including evidence of the payment made on XX/XX/year>, history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, a letter with my complaint, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. Please address this dispute within the XXXX period required by the FCRA.","date_sent_to_company":"2024-12-26T01:49:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07203","tags":null,"has_narrative":true,"complaint_id":"11257412","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-26T01:49:43.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I urge XXXX XXXX to immediately correct these errors, ensure <em>compliance</em> with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with <em>regulatory</em> authorities to protect my rights."]},"sort":[17.02541,"11257412"]},{"_index":"complaint-public-v1","_id":"11259757","_score":17.014893,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XX/XX/year>, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. Notably, XXXX, XXXX of the XXXX major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. \nI have attached all supporting documentation, including evidence of the payment made on XX/XX/year>, history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. Please address this dispute within the XXXX period required by the FCRA.","date_sent_to_company":"2024-12-26T01:43:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07203","tags":null,"has_narrative":true,"complaint_id":"11259757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-26T01:43:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I urge XXXX XXXX to immediately correct these errors, ensure <em>compliance</em> with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with <em>regulatory</em> authorities to protect my rights."]},"sort":[17.014893,"11259757"]},{"_index":"complaint-public-v1","_id":"11257124","_score":17.014893,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XX/XX/year>, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. Notably, XXXX, XXXX of the XXXX major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. \nI have attached all supporting documentation, including evidence of the payment made on XX/XX/year>, history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, a letter with my complaint, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. Please address this dispute within the XXXX period required by the FCRA.","date_sent_to_company":"2024-12-26T01:49:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07203","tags":null,"has_narrative":true,"complaint_id":"11257124","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-26T01:49:43.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I urge XXXX XXXX to immediately correct these errors, ensure <em>compliance</em> with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with <em>regulatory</em> authorities to protect my rights."]},"sort":[17.014893,"11257124"]},{"_index":"complaint-public-v1","_id":"15576940","_score":16.849459,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting a formal complaint regarding multiple inaccuracies on my credit report that have caused substantial financial, professional, and emotional harm. The entries include incorrect addresses and falsely reported late payments, which violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, mandating that all consumer reporting agencies maintain complete, accurate, and verifiable information. \nXXXXXXXX XXXX XXXXXXXX High Balance : {$0.00}, Date Opened : XX/XX/2021, Late Payment Similarly, this late payment entry is incorrect. Its repeated reporting creates a pattern of false delinquency, misrepresenting my financial responsibility. This inaccuracy exposes me to risks such as higher interest rates, credit denial, and negative perceptions by landlords or employers. The ongoing misreporting also causes undue emotional and mental stress, eroding confidence in the accuracy of my personal financial records. FCRA mandates that unverifiable or false information be corrected immediately.\n\nAction Requested : Immediate correction or deletion of all inaccurate addresses and late payment entries listed above Written confirmation of investigation completion and correction Full update of my credit report to reflect verified, accurate information This letter constitutes my formal CFPB complaint and legal demand for compliance under federal law. Continued negligence, inaction, or failure to correct these errors will result in escalation through all available legal and regulatory channels, including CFPB enforcement and federal court action. Immediate attention and resolution are required.","date_sent_to_company":"2025-08-29T02:16:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92553","tags":null,"has_narrative":true,"complaint_id":"15576940","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-29T02:13:07.000Z","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":["Continued negligence, inaction, or failure to correct these errors will result in escalation through all available legal and <em>regulatory</em> channels, <em>including</em> CFPB enforcement and federal court action. Immediate attention and resolution are required."]},"sort":[16.849459,"15576940"]},{"_index":"complaint-public-v1","_id":"8773201","_score":16.76042,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian for Non-compliance with Federally Mandated Consumer Protection Protocols To Whom It May Concern, This correspondence serves as a formal and structured legal appeal against XXXX XXXX XXXX and Experian, addressing significant non-compliance with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws as stipulated under federal guidelines. This complaint articulates substantial concerns regarding XXXX XXXX XXXXXXXX alleged debt claims tied to my personal identifiers, which lack proper authenticated documentary evidencea core requirement under consumer protection statutes aimed at safeguarding consumer rights and ensuring the integrity of credit reporting practices. \nDetailed Discourse on the Legal Mandate for Authenticated Documentary Evidence in Consumer Protection Law : Fundamental Consumer Law Requirements for Document Authentication : Regulatory frameworks, specifically 12 CFR 1022.82, underpinning the FCRA, mandate that all information furnished to consumer reporting agencies by entities like XXXX XXXX XXXX must be accurate, complete, and thoroughly substantiated. In the realm of debt collection and reporting, this substantiation requires authenticated documentary evidence. Such evidence typically includes, but is not limited to, contracts or financial agreements validated through signatures executed in \" wet ink. '' This authentication serves not merely as a procedural formalism but as crucial legal proof of the consumer 's conscious assent to the terms delineated within the document. \nFTC Report Reference and Experians Inaction : Subsequent to discovering unauthorized use of my consumer information by XXXX XXXX XXXX, a formal report was filed with the Federal Trade Commission. Despite this attempt to rectify the situation through federally recognized channels, the continued presence of XXXX XXXX XXXX on my credit profile and Experian 's inaction in resolving this discrepancy demonstrate a concerning level of disregard for regulatory compliance and consumer rights. \nLegal Consequences for Non-Compliance : Penalties Under FCRA Section 621 ( a ) ( 2 ) : According to the Fair Credit Reporting Act, specifically under Section 621 ( a ) ( 2 ) ( 15 USC 1681s ), any person, including debt collectors like XXXX XXXX XXXX and credit reporting agencies such as Experian, who fails to comply with any requirement imposed under the FCRA with respect to any consumer is subject to civil penalties enforced by the Federal Trade Commission ( FTC ). This includes potential fines, statutory damages awarded to the consumer, punitive damages for willful non-compliance, and attorneys fees. \nDisputed Debt and Consumer Awareness : It is pertinent to note that the debt in question includes claims for which I have no knowledge of the account number, strongly indicating that the alleged debt was fraudulently attributed to me. This lack of awareness and the inability to verify such a debt underscore the necessity for a stringent review of the information reported by XXXX XXXX XXXX and the actionsor lack thereoftaken by Experian.","date_sent_to_company":"2024-04-16T04:11:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"8773201","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-16T04:05:07.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Detailed Discourse on the Legal <em>Mandate</em> for Authenticated Documentary Evidence in Consumer Protection Law : Fundamental Consumer Law Requirements for Document Authentication : <em>Regulatory</em> frameworks, specifically 12 CFR 1022.82, underpinning the FCRA, <em>mandate</em> that all information furnished to consumer reporting agencies by entities like XXXX XXXX XXXX must be <em>accurate</em>, complete, and thoroughly substantiated."]},"sort":[16.76042,"8773201"]},{"_index":"complaint-public-v1","_id":"8773128","_score":16.76042,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Comprehensive Legal Appeal Against XXXX XXXX XXXX and XXXX for Non-compliance with Federally Mandated Consumer Protection Protocols To Whom It May Concern, This correspondence serves as a formal and structured legal appeal against XXXX XXXX XXXX and XXXX, addressing significant non-compliance with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws as stipulated under federal guidelines. This complaint articulates substantial concerns regarding XXXX XXXXXXXX XXXXs alleged debt claims tied to my personal identifiers, which lack proper authenticated documentary evidencea core requirement under consumer protection statutes aimed at safeguarding consumer rights and ensuring the integrity of credit reporting practices. \nDetailed Discourse on the Legal Mandate for Authenticated Documentary Evidence in Consumer Protection Law : Fundamental Consumer Law Requirements for Document Authentication : Regulatory frameworks, specifically 12 CFR 1022.82, underpinning the FCRA, mandate that all information furnished to consumer reporting agencies by entities like XXXX XXXX XXXX must be accurate, complete, and thoroughly substantiated. In the realm of debt collection and reporting, this substantiation requires authenticated documentary evidence. Such evidence typically includes, but is not limited to, contracts or financial agreements validated through signatures executed in \" wet ink. '' This authentication serves not merely as a procedural formalism but as crucial legal proof of the consumer 's conscious assent to the terms delineated within the document. \nFTC Report Reference and XXXX Inaction : Subsequent to discovering unauthorized use of my consumer information by XXXX XXXX XXXX, a formal report was filed with the Federal Trade Commission. Despite this attempt to rectify the situation through federally recognized channels, the continued presence of XXXX XXXX XXXX on my credit profile and XXXX 's inaction in resolving this discrepancy demonstrate a concerning level of disregard for regulatory compliance and consumer rights. \nLegal Consequences for Non-Compliance : Penalties Under FCRA Section 621 ( a ) ( 2 ) : According to the Fair Credit Reporting Act, specifically under Section 621 ( a ) ( 2 ) ( 15 USC 1681s ), any person, including debt collectors like XXXX XXXX XXXX and credit reporting agencies such as XXXX, who fails to comply with any requirement imposed under the FCRA with respect to any consumer is subject to civil penalties enforced by the Federal Trade Commission ( FTC ). This includes potential fines, statutory damages awarded to the consumer, punitive damages for willful non-compliance, and attorneys fees. \nDisputed Debt and Consumer Awareness : It is pertinent to note that the debt in question includes claims for which I have no knowledge of the account number, strongly indicating that the alleged debt was fraudulently attributed to me. This lack of awareness and the inability to verify such a debt underscore the necessity for a stringent review of the information reported by XXXX XXXX XXXX and the actionsor lack thereoftaken by XXXX.","date_sent_to_company":"2024-04-16T04:12:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"8773128","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-16T04:12:05.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Detailed Discourse on the Legal <em>Mandate</em> for Authenticated Documentary Evidence in Consumer Protection Law : Fundamental Consumer Law Requirements for Document Authentication : <em>Regulatory</em> frameworks, specifically 12 CFR 1022.82, underpinning the FCRA, <em>mandate</em> that all information furnished to consumer reporting agencies by entities like XXXX XXXX XXXX must be <em>accurate</em>, complete, and thoroughly substantiated."]},"sort":[16.76042,"8773128"]},{"_index":"complaint-public-v1","_id":"13206951","_score":16.113667,"_source":{"product":"Debt collection","complaint_what_happened":"Im reaching out because the account XXXX XXXX with the number XXXX is inaccurately reported as CollectionOrChargeOff on my credit report. You mentioned the account was opened on XXXX and has a date of last activity as XXXX, but this is incorrect. Im requesting the immediate deletion of this account. \nYou stated the last verified date was XXXX. As per 15 U.S.C. 1681i, you are required to provide the verification details. Send me all the documents that support this information. Additionally, I need proof of the {$8500.00} you claim I owe, as I dispute this claim. Legal cases like XXXX v. XXXX, XXXX, XXXX. XXXX ( XXXX. La. XXXX XXXX, 2006 ) prove that incorrect data must be removed. Please address this promptly. \nAlso, see the image above for XXXX XXXX  XXXX XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I was looking at Loan Type expressing Educational. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! \nUpon inspecting High Balance ( XXXX ) exhibiting {$6700.00}. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information.","date_sent_to_company":"2025-04-28T17:39:09.000Z","issue":"Written notification about debt","sub_product":"Private student loan debt","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"13206951","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Reliant Capital Solutions, LLC","date_received":"2025-04-28T17:26:48.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["There is no question that <em>compliance</em> with <em>regulatory</em> <em>mandates</em> for <em>accurate</em> credit reporting, <em>including</em> those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and <em>compliance</em> with credit-reporting guidelines. Physical tangible proof!"]},"sort":[16.113667,"13206951"]},{"_index":"complaint-public-v1","_id":"6927114","_score":16.025578,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX According to FCRA section 611, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any allegations that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your allegations are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. \nBelow is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  - XXXX 2 Year Payment History Account Description : Account Type : XXXX Credit Limit : XXXX Date Reported : - High Balance : XXXX Past Due Amount : XXXX Equifax OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Individual Open Account {$0.00} XX/XX/XXXX {$1200.00} {$1100.00} Account # : XXXX Account Status : XXXX Balance Owed : XXXX Creditor Remarks : XXXX Date of Last Activity : XXXX Last Payment : XXXX Payment Amount : XXXX Term Length : XXXX Equifax XXXX Derogatory {$1100.00} Consumer disputes after resolution Collection account XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX Creditor Type : - Collection Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Late 120 Days The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now. \nAlso, see the image above for XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nViewing Date of Last Activity ( XXXX ) demonstrating XX/XX/XXXX The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards. \nI was looking at Credit Limit ( XXXX ) expressing {$0.00} We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! \nI was looking at Term Length ( XXXX ) expressing 0. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! \nViewing Last Payment ( XXXX ) demonstrating XX/XX/XXXX is deviating from applicable compliance standards! It is imperative that the data within my credit report is accurately reported, which can be accomplished only if there's no deviation from what's required for compliance reporting! If data reporting isn't done correctly or taken seriously then we might see less integrity of said reports as they will lack one or more essential components needed to make them believable and reliable. If the data in my reports is inaccurate that may negatively impact my credit score and my ability to obtain financing in the future. \n\nI want to bring to your attention Payment Amount ( XXXX ) reporting {$0.00}. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. \n\nUpon inspecting High Balance ( XXXX ) exhibiting {$1200.00}. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account. \n\nAccording to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! \n\nXXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.","date_sent_to_company":"2023-05-03T18:38:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95503","tags":null,"has_narrative":true,"complaint_id":"6927114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-03T18:35:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As you know, <em>compliance</em> with <em>regulatory</em> <em>mandates</em> is essential for <em>accurate</em> credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the <em>regulatory</em> requirements! If you can not prove <em>compliance</em> with federal and state regulations and <em>mandates</em>, youre deficient in your ability to report effectively. \n\nUpon inspecting High Balance ( XXXX ) exhibiting {$1200.00}."]},"sort":[16.025578,"6927114"]},{"_index":"complaint-public-v1","_id":"11896022","_score":16.015875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against Experian for Inaccurate Reporting, Sham Investigations, and Violation of Statutory Requirements I am writing to file a formal complaint against Experian regarding their failure to correct inaccurate information on my credit report and their refusal to properly validate disputed items. In my previous complaint on XX/XX/year>, Experian did not provide the required evidence to substantiate that the alleged late payments are accurate. Specifically, the report falsely shows late payments on my XXXX XXXX accounteven during the COVID-19 periodwhen I maintained a satisfactory payment record. Furthermore, these reported late payments are inconsistent with the data provided by other credit bureaus ( XXXX and XXXX ). \n\nViolation of Statutory Requirements ( 15U.S. Code 1666 and 6802 ) : 15U.S. Code 1666 : This provision requires that any information related to late payments and associated fees must be accurate and substantiated. Experians inclusion of allegedly late payment datawhich I contest as false and unverifiedappears to violate these statutory standards by unfairly harming my credit record.\n\n15U.S. Code 6802 : Under this section, consumer reporting agencies are mandated to ensure the accuracy, completeness, and prompt correction of consumer information. Experians failure to update or verify the disputed late payment information further demonstrates non-compliance with these regulatory requirements. \n\nI respectfully request that the CFPB investigate Experians failure to conduct a proper, compliant investigation of my dispute. Their actionscharacterized by sham investigations, failure to verify disputed data, and non-compliance with the statutory requirements of 15U.S. Code 1666 and 6802have caused significant harm to my credit standing. I seek corrective measures, including the removal or correction of the inaccurate late payment entries, and appropriate consumer redress.","date_sent_to_company":"2025-02-02T19:11:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90015","tags":null,"has_narrative":true,"complaint_id":"11896022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-02T18:42:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Experians failure to update or verify the disputed late payment information further demonstrates non-<em>compliance</em> with these <em>regulatory</em> requirements. \n\nI respectfully request that the CFPB investigate Experians failure to conduct a proper, compliant investigation of my dispute. Their actionscharacterized by sham investigations, failure to verify disputed data, and non-<em>compliance</em> with the statutory requirements of 15U.S. Code 1666 and 6802have caused significant harm to my credit standing."]},"sort":[16.015875,"11896022"]},{"_index":"complaint-public-v1","_id":"8323601","_score":15.990422,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to vehemently dispute and demand the immediate removal of egregiously inaccurate information on my credit report, as protected under 15 USC 1681c-2. The erroneous data pertains to an XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$1200.00} I have meticulously examined my credit report and am appalled by the blatant inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I demand an expedited and thorough investigation into these discrepancies, as mandated by 15 USC 1681c-2, with the expectation of swift resolution and removal of the disputed information. \n\nEnclosed herewith are supporting documents that unequivocally attest to the inaccuracies I am disputing. I insist on your immediate attention to this matter and a commitment to resolve the dispute within the shortest time frame allowed by law. \n\nUnder 15 USC 1681c-2, I expect the investigation to be completed immediately. I further demand the issuance of an updated credit report promptly upon conclusion of the investigation. \n\nFailure to comply with this demand within the stipulated time frame will leave me no recourse but to pursue all available legal remedies, including filing complaints with regulatory authorities and seeking damages for the harm caused to my creditworthiness. \n\nI emphasize the urgency of this matter and demand your immediate compliance with federal law. My expectation is not merely a request but a demand for fast, efficient, and accurate resolution.","date_sent_to_company":"2024-02-10T17:36:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"8323601","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-10T17:36:09.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Failure to comply with this demand within the stipulated time frame will leave me no recourse but to pursue all available legal remedies, <em>including</em> filing complaints with <em>regulatory</em> authorities and seeking damages for the harm caused to my creditworthiness. \n\nI emphasize the urgency of this matter and demand your immediate <em>compliance</em> with federal law. My expectation is not merely a request but a demand for fast, efficient, and <em>accurate</em> resolution."]},"sort":[15.990422,"8323601"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1373,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1373}]}},"product":{"doc_count":1373,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1046,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1030},{"key":"Other personal consumer report","doc_count":16}]}},{"key":"Debt collection","doc_count":141,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":73},{"key":"I do not know","doc_count":24},{"key":"Auto debt","doc_count":20},{"key":"Telecommunications 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