{"took":1150,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":21012,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11423444","_score":11.740729,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing in response to the above-referenced case to formally explain my concerns regarding the lack of compliance by creditors in providing adequate verification of account ownership and validity, despite my repeated and detailed requests. I have contacted equifax multiples times requesting verification and proof of ownership for creditors reporting on my credit file. Original Signed Contract or Agreement : I requested a copy of any original signed agreements or contracts that establish my responsibility for the debt. No such document has been provided by the creditors. \n2. Itemized Statements : I requested detailed statements showing how the debt was calculated and any payments made. The creditors have failed to provide this information.\n\n3. Proof of Assignment or Ownership : For debts that have been sold or assigned to third parties, I requested documentation proving the chain of ownership. No such proof has been provided.\n\n4. Compliance with FDCPA Validation Requirements : I asked for documentation to ensure that all requirements under the Fair Debt Collection Practices Act ( FDCPA ) were followed, including the date and nature of the debt. The creditors have not responded adequately. To date, the responses I have received have been incomplete or non-responsive. In some cases, I have received generic letters that fail to address my specific requests. In others, I have received no response at all. This lack of compliance is unacceptable and leaves me unable to verify the legitimacy of the debts being reported.","date_sent_to_company":"2025-01-08T01:40:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28262","tags":null,"has_narrative":true,"complaint_id":"11423444","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-08T01:25:57.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To date, the responses I <em>have</em> received <em>have</em> <em>been</em> incomplete or non-responsive. In some cases, I <em>have</em> received generic letters that fail to address my specific requests. In others, I <em>have</em> received no response at all. This lack of <em>compliance</em> is unacceptable and leaves me unable to verify the legitimacy of the <em>debts</em> being <em>reported</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.740729,"11423444"]},{"_index":"complaint-public-v1","_id":"20607952","_score":11.451021,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against XXXXColumbia Debt Recovery regarding a collections account that has been incorrectly reported on my credit report. \n\nI previously rented an apartment managed by XXXX. In XXXX, my unit experienced significant flooding, which rendered it uninhabitable. As a result, my landlord and I reached a mutual agreement to terminate my lease early due to the uninhabitable conditions caused by the flood. Because of this mutual termination, the amount being reported as owed is incorrect and does not reflect the agreed-upon terms at the time of lease termination. \n\nDespite this, XXXXColumbia Debt Recovery has reported an inaccurate balance to the credit bureaus. I have made repeated attempts to resolve this matter over the past XXXX days, contacting the company on multiple occasions. Each time, I have been deflected, given no resolution, and denied access to a supervisor or the compliance department. \n\nAdditionally, when I contacted XXXX directly regarding this account, I was informed that the property is no longer owned by XXXX and that the debt had in fact been sold. However, a representative at XXXXColumbia Debt Recovery explicitly told me the debt had NOT been sold which is a direct contradiction and a false statement. This raises serious concerns about the accuracy of the information they are reporting and their compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nXX/XX/XXXX/Columbia Debt Recovery has failed to : Provide accurate information about the status and ownership of the debt Allow me to speak with a supervisor or compliance department Investigate or correct the inaccurate balance being reported Respond in good faith to my repeated attempts to resolve this dispute I am requesting that the CFPB investigate this matter and compel XX/XX/XXXX/Columbia Debt Recovery to correct the reported balance to reflect the mutual lease termination agreement, provide proper documentation of the debt and its chain of ownership, and cease reporting inaccurate information to the credit bureaus. \n\nThis inaccurate collection account is causing significant harm to my credit and financial standing. I have made every reasonable effort to resolve this directly and have been stonewalled at every turn. I am asking for your assistance in holding this company accountable.","date_sent_to_company":"2026-03-26T04:33:00.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"11412","tags":null,"has_narrative":true,"complaint_id":"20607952","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2026-03-26T04:23:10.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Each time, I <em>have</em> <em>been</em> deflected, given no resolution, and denied access to a supervisor or the <em>compliance</em> department. \n\nAdditionally, when I contacted XXXX directly regarding this account, I was informed that the property is no longer owned by XXXX and that the <em>debt</em> had in fact <em>been</em> sold. However, a representative at XXXXColumbia <em>Debt</em> Recovery explicitly told me the <em>debt</em> had NOT <em>been</em> sold which is a direct contradiction and a false statement."],"product":["<em>Debt</em> collection"],"company":["A/KA Columbia <em>Debt</em> Recovery, LLC d/b/a Genesis"],"sub_product":["Rental <em>debt</em>"]},"sort":[11.451021,"20607952"]},{"_index":"complaint-public-v1","_id":"2400428","_score":11.445041,"_source":{"product":"Credit card","complaint_what_happened":"Synchrony Bank ( formerly GE Capital Retail Bank ) persists in reporting a fabricated FCRA Compliance Date/Date of First Delinquency on my Lowe 's account. My attorney states that this is a blatant violation of the Fair Credit Reporting Act. \nAs the attached history shows, my account became delinquent in early 2013 and I entered into an agreement to settle the outstanding debt in the summer of that year. The final contractual settlement payment was made in XX/XX/2013 at which time the outstanding debt was cancelled. Synchrony Bank has reported the FCRA Compliance Date/Date of First Delinquency to the credit bureaus as XX/XX/2013 or XX/XX/2013. Per attorney this is false and unlawful on its face because no delinquency or unpaid debt existed in those months ; all outstanding debt had been cancelled in XX/XX/2013 and could not have been delinquent in that month or the subsequent one. The first delinquency that should have been reported ( assuming the validity of the charge-off reporting here in the first place ) is the original delinquency leading to the settlement agreement.","date_sent_to_company":"2017-03-22T15:43:02.000Z","issue":"Delinquent account","sub_product":null,"zip_code":"11230","tags":null,"has_narrative":true,"complaint_id":"2400428","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-03-22T15:43:02.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The final contractual settlement payment was made in XX/XX/2013 at which time the outstanding <em>debt</em> was cancelled. Synchrony Bank has <em>reported</em> the FCRA <em>Compliance</em> Date/Date of First Delinquency to the credit bureaus as XX/XX/2013 or XX/XX/2013. Per attorney this is false and unlawful on its face because no delinquency or unpaid <em>debt</em> existed in those months ; all outstanding <em>debt</em> had <em>been</em> cancelled in XX/XX/2013 and could not <em>have</em> <em>been</em> delinquent in that month or the subsequent one."]},"sort":[11.445041,"2400428"]},{"_index":"complaint-public-v1","_id":"18835509","_score":11.4307,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing the accuracy of this account and requesting full debt validation. Mariner Finance is reporting this account on my consumer credit reports, but I have not been provided documentation proving that this debt is mine, that the amount reported is accurate, or that the account has been reported in compliance with the Fair Credit Reporting Act ( FCRA ). I have not received the original contract, a complete payment history, or an explanation of how the balance was calculated.","date_sent_to_company":"2026-01-19T19:04:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"138XX","tags":null,"has_narrative":true,"complaint_id":"18835509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MARINER FINANCE, LLC","date_received":"2026-01-19T18:57:46.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am disputing the accuracy of this account and requesting full <em>debt</em> validation. Mariner Finance is <em>reporting</em> this account on my consumer credit <em>reports</em>, but I <em>have</em> not <em>been</em> provided documentation proving that this <em>debt</em> is mine, that the amount <em>reported</em> is accurate, or that the account has <em>been</em> <em>reported</em> in <em>compliance</em> with the Fair Credit <em>Reporting</em> Act ( FCRA ). I <em>have</em> not received the original contract, a complete payment history, or an explanation of how the balance was calculated."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[11.4307,"18835509"]},{"_index":"complaint-public-v1","_id":"18835880","_score":11.409063,"_source":{"product":"Debt collection","complaint_what_happened":"Broadview XXXX XXXX XXXX is reporting an account on my consumer credit reports that I dispute. I am requesting debt validation, as I have not been provided documentation proving that this debt is mine, that the amount reported is accurate, or that the account is being reported in compliance with the Fair Credit Reporting Act ( FCRA ). No original agreement, complete payment history, or verification of the balance has been provided.","date_sent_to_company":"2026-01-19T19:16:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"138XX","tags":null,"has_narrative":true,"complaint_id":"18835880","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"BROADVIEW MORTGAGE CORPORATION","date_received":"2026-01-19T19:10:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Broadview XXXX XXXX XXXX is <em>reporting</em> an account on my consumer credit <em>reports</em> that I dispute. I am requesting <em>debt</em> validation, as I <em>have</em> not <em>been</em> provided documentation proving that this <em>debt</em> is mine, that the amount <em>reported</em> is accurate, or that the account is being <em>reported</em> in <em>compliance</em> with the Fair Credit <em>Reporting</em> Act ( FCRA ). No original agreement, complete payment history, or verification of the balance has <em>been</em> provided."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[11.409063,"18835880"]},{"_index":"complaint-public-v1","_id":"13489402","_score":11.306017,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nInaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXXXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Please remove it from my credit report This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nWFC Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Please remove it from my credit report. \n\nInaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed.\n\nSYNFSTPROG Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nMIDLANDCRE Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXXXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nOPPITY FIN Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX Please remove it from my credit report.","date_sent_to_company":"2025-05-13T11:15:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13489402","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-13T11:15:03.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This collection account violates the Fair <em>Debt</em> Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 1681 ), as it has not <em>been</em> properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law.\n\nWFC Please remove it from my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.306017,"13489402"]},{"_index":"complaint-public-v1","_id":"13485558","_score":11.287639,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nInaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXXXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Please remove it from my credit report This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nWFC Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Please remove it from my credit report. \n\nInaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed.\n\nSYNFSTPROG Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nMIDLANDCRE Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXXXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nOPPITY FIN Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX Please remove it from my credit report.","date_sent_to_company":"2025-05-13T11:15:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13485558","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-13T11:15:03.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This collection account violates the Fair <em>Debt</em> Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 1681 ), as it has not <em>been</em> properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law.\n\nWFC Please remove it from my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.287639,"13485558"]},{"_index":"complaint-public-v1","_id":"13488269","_score":11.277477,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nInaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. \nXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXXXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX Please remove it from my credit report This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nWFC Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX Please remove it from my credit report. \n\nInaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed.\n\nSYNFSTPROG Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nMIDLANDCRE Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nXXXX XXXX Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXXXXXX XXXX  Please remove it from my credit report. \n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.\n\nOPPITY FIN Please remove it from my credit report.\n\nThis collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXXXXXX Please remove it from my credit report.","date_sent_to_company":"2025-05-13T11:15:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62521","tags":null,"has_narrative":true,"complaint_id":"13488269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-13T11:05:21.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This collection account violates the Fair <em>Debt</em> Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 1681 ), as it has not <em>been</em> properly validated ; failure to remove it will result in legal action for non-<em>compliance</em> with federal law.\n\nWFC Please remove it from my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.277477,"13488269"]},{"_index":"complaint-public-v1","_id":"11116559","_score":11.256833,"_source":{"product":"Debt collection","complaint_what_happened":"Company has been requested to send all contractual agreements and debt validation. They have been asked to cease reporting until all compliance is met with the original debtor. They are still reporting and this is an inaccuracy. Another cease and desist has been sent today via certified mail","date_sent_to_company":"2024-12-11T18:16:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"295XX","tags":null,"has_narrative":true,"complaint_id":"11116559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-12-11T18:05:56.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Company has <em>been</em> requested to send all contractual agreements and <em>debt</em> validation. They <em>have</em> <em>been</em> asked to cease <em>reporting</em> until all <em>compliance</em> is met with the original debtor. They are still <em>reporting</em> and this is an inaccuracy. Another cease and desist has <em>been</em> sent today via certified mail"],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Telecommunications <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[11.256833,"11116559"]},{"_index":"complaint-public-v1","_id":"3951608","_score":11.244016,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XXXX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas","date_sent_to_company":"2020-11-13T07:25:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76112","tags":null,"has_narrative":true,"complaint_id":"3951608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-11-13T02:25:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The credit bureaus/collectoion agencies <em>have</em> yet provided me with the validation/proof of <em>debt</em> that ive <em>been</em> requesting since XXXX/2020. Numerous of accounts with inaccurate/invalid <em>reportings</em> per the metro <em>compliance</em> requirements. not to mention allowing companies to <em>report</em> such <em>debt</em> when thyre not licensed in the state of Texas"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.244016,"3951608"]},{"_index":"complaint-public-v1","_id":"3951609","_score":11.221528,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XX/XX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas","date_sent_to_company":"2020-11-13T07:25:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76112","tags":null,"has_narrative":true,"complaint_id":"3951609","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-11-13T02:25:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The credit bureaus/collectoion agencies <em>have</em> yet provided me with the validation/proof of <em>debt</em> that ive <em>been</em> requesting since XX/XX/2020. Numerous of accounts with inaccurate/invalid <em>reportings</em> per the metro <em>compliance</em> requirements. not to mention allowing companies to <em>report</em> such <em>debt</em> when thyre not licensed in the state of Texas"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.221528,"3951609"]},{"_index":"complaint-public-v1","_id":"13127856","_score":11.2175255,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX - XXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt CollectionPractices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C.\n\n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX - This account is inaccurate because you have incorrectly stated the court 's name. You are required to include the court 's name, city, and state in your reporting, which you have failed to do. I demand that you remove this inaccurate public record from my consumer report based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). \nUS DEPARTMENT OF EDU - XX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove.","date_sent_to_company":"2025-04-22T20:37:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13127856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-22T20:33:19.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX - XXXX - This collection account violates the Fair <em>Debt</em> Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 1681 ), as it has not <em>been</em> properly validated ; failure to remove it will result in legal action for non <em>compliance</em> with federal law. \n\nXXXX XXXX XXXX - This account is inaccurate because you <em>have</em> incorrectly stated the court 's name."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.2175255,"13127856"]},{"_index":"complaint-public-v1","_id":"3951604","_score":11.216366,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XX/XX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas","date_sent_to_company":"2020-11-13T07:25:10.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76112","tags":null,"has_narrative":true,"complaint_id":"3951604","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-11-13T02:09:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The credit bureaus/collectoion agencies <em>have</em> yet provided me with the validation/proof of <em>debt</em> that ive <em>been</em> requesting since XX/XX/2020. Numerous of accounts with inaccurate/invalid <em>reportings</em> per the metro <em>compliance</em> requirements. not to mention allowing companies to <em>report</em> such <em>debt</em> when thyre not licensed in the state of Texas"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.216366,"3951604"]},{"_index":"complaint-public-v1","_id":"13111738","_score":11.213057,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX - XXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt CollectionPractices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C.\n\n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX - This account is inaccurate because you have incorrectly stated the court 's name. You are required to include the court 's name, city, and state in your reporting, which you have failed to do. I demand that you remove this inaccurate public record from my consumer report based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). \nUS DEPARTMENT OF EDU - XX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove.","date_sent_to_company":"2025-04-22T20:37:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13111738","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-22T20:37:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX - XXXX - This collection account violates the Fair <em>Debt</em> Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 1681 ), as it has not <em>been</em> properly validated ; failure to remove it will result in legal action for non <em>compliance</em> with federal law. \n\nXXXX XXXX XXXX - This account is inaccurate because you <em>have</em> incorrectly stated the court 's name."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.213057,"13111738"]},{"_index":"complaint-public-v1","_id":"13104557","_score":11.204053,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. \n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. \n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. \n\nXXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX - XXXX - Under 15 USC 1681B - Permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates. \n\nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX XXXX  This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt CollectionPractices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \n\nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C.\n\n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. \n1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX XXXX XXXX XXXXXXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \nXXXX XXXX - XXXX - This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non compliance with federal law. \n\nXXXX XXXX XXXX - This account is inaccurate because you have incorrectly stated the court 's name. You are required to include the court 's name, city, and state in your reporting, which you have failed to do. I demand that you remove this inaccurate public record from my consumer report based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). \nUS DEPARTMENT OF EDU - XX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized- Please remove.","date_sent_to_company":"2025-04-22T20:37:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"13104557","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-22T20:37:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX - XXXX - This collection account violates the Fair <em>Debt</em> Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 1681 ), as it has not <em>been</em> properly validated ; failure to remove it will result in legal action for non <em>compliance</em> with federal law. \n\nXXXX XXXX XXXX - This account is inaccurate because you <em>have</em> incorrectly stated the court 's name."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.204053,"13104557"]},{"_index":"complaint-public-v1","_id":"13384240","_score":11.189484,"_source":{"product":"Debt collection","complaint_what_happened":"A collection account appeared on my credit report for {$620.00}, but I have never received any documentation validating the debt. I dont recognize this account, and no proof has been provided to show the debt is mine or that the collector has the legal right to collect or report it.\n\nI requested a debt validation letter, but have not received any response. Until proper validation is provided, I believe this debt is unverifiable and should not be reported. Im requesting that it be investigated and removed in compliance with the Fair Debt Collection Practices Act and Fair Credit Reporting Act.","date_sent_to_company":"2025-05-08T00:42:01.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"30019","tags":null,"has_narrative":true,"complaint_id":"13384240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-05-08T00:35:17.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["A collection account appeared on my credit <em>report</em> for {$620.00}, but I <em>have</em> never received any documentation validating the <em>debt</em>. I dont recognize this account, and no proof has <em>been</em> provided to show the <em>debt</em> is mine or that the collector has the legal right to collect or <em>report</em> it.\n\nI requested a <em>debt</em> validation letter, but <em>have</em> not received any response. Until proper validation is provided, I believe this <em>debt</em> is unverifiable and should not be <em>reported</em>."],"product":["<em>Debt</em> collection"]},"sort":[11.189484,"13384240"]},{"_index":"complaint-public-v1","_id":"3588045","_score":11.18433,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. \n\naccounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2020-03-31T05:20:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76087","tags":"Servicemember","has_narrative":true,"complaint_id":"3588045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-03-31T05:09:56.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The credit <em>reporting</em> agency is disregarding FCRA & is out of <em>compliance</em>. I <em>have</em> submitted requests for investigation on several accounts where I <em>have</em> not <em>been</em> provided verification of a <em>debt</em>. The company investigates the claim & validates the <em>debt</em> without proof of the <em>debt</em> provided to myself or proof that I <em>have</em> <em>been</em> provided validation per FCRA. \n\naccounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.18433,"3588045"]},{"_index":"complaint-public-v1","_id":"10257135","_score":11.106383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally dispute the account referenced below and request detailed proof of compliance with XXXX XXXX XXXX. \n\nAccount Information : Account XXXX Creditor : Aldous XXXX Company I believe that this account is not properly validated and is inaccurate for the following reasons : Lack of Proper Validation : The debt has not been validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I have not received any documentation that substantiates the validity of this debt. \nImproper Handling of Personal Information : I have reason to believe that my personal information has been mishandled, leading to inaccuracies in my credit report. \nFailure to Correct and Delete : Despite my previous requests, it has been over XXXX  days, and the issue has not been corrected or deleted from my credit report. \nAs per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. I feel that I am being taken advantage of due to the lack of proper validation and the mishandling of my personal information. \n\nRequest for Detailed Proof of Compliance : I request that you provide detailed proof of compliance with XXXX XXXX XXXX, including but not limited to : Documentation validating the debt. \nEvidence of proper handling of my personal information. \nProof of timely correction or deletion of the disputed information. \nPlease consider this letter as a formal dispute and a request for investigation. I expect a response within XXXX  days, as required by law. If the requested information can not be provided, I demand that this account be removed from my credit report immediately. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-26T03:45:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"10257135","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldous & Associates, PLLC","date_received":"2024-09-26T03:27:45.000Z","state":"DE","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I <em>have</em> not received any documentation that substantiates the validity of this <em>debt</em>. \nImproper Handling of Personal Information : I <em>have</em> reason to believe that my personal information has <em>been</em> mishandled, leading to inaccuracies in my credit <em>report</em>. \nFailure to Correct and Delete : Despite my previous requests, it has <em>been</em> over XXXX  days, and the issue has not <em>been</em> corrected or deleted from my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.106383,"10257135"]},{"_index":"complaint-public-v1","_id":"7762133","_score":11.099208,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NATIONAL CREDIT SYSTEMS clearly did not validate this debt because they referred to me as XXXX XXXXXXXX in their response to my most recent communication. This proves they did not Re investigate this account in order to validate this debt. NATIONAL CREDIT SYSTEMS needs to provide proof that I am a XXXX  or delete this account from my consumer report immediately. I have proof in the attached screen shot that they have been reporting the debt of a XXXX which is inaccurate reporting after they claimed this debt had been verified by the original creditor. This was a blatant XXXX and I will be seeking damages as permitted by the FCRA for the willful non compliance reporting that has caused me financial and physical harm.","date_sent_to_company":"2023-10-26T13:54:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30341","tags":null,"has_narrative":true,"complaint_id":"7762133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2023-10-26T13:44:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> proof in the attached screen shot that they <em>have</em> <em>been</em> <em>reporting</em> the <em>debt</em> of a XXXX which is inaccurate <em>reporting</em> after they claimed this <em>debt</em> had <em>been</em> verified by the original creditor. This was a blatant XXXX and I will be seeking damages as permitted by the FCRA for the willful non <em>compliance</em> <em>reporting</em> that has caused me financial and physical harm."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.099208,"7762133"]},{"_index":"complaint-public-v1","_id":"3588053","_score":11.088288,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. \n\naccounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX many of these accounts would be over the maximum reporting according to texas law even if they were valid.","date_sent_to_company":"2020-03-31T05:25:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76087","tags":"Servicemember","has_narrative":true,"complaint_id":"3588053","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-03-31T05:25:22.000Z","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":["The credit <em>reporting</em> agency is disregarding FCRA & is out of <em>compliance</em>. I <em>have</em> submitted requests for investigation on several accounts where I <em>have</em> not <em>been</em> provided verification of a <em>debt</em>. The company investigates the claim & validates the <em>debt</em> without proof of the <em>debt</em> provided to myself or proof that I <em>have</em> <em>been</em> provided validation per FCRA."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.088288,"3588053"]},{"_index":"complaint-public-v1","_id":"3588049","_score":11.088288,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. \n\naccounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX many of these accounts would be over the maximum reporting according to texas law even if they were valid.","date_sent_to_company":"2020-03-31T05:25:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76087","tags":"Servicemember","has_narrative":true,"complaint_id":"3588049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-03-31T05:21:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The credit <em>reporting</em> agency is disregarding FCRA & is out of <em>compliance</em>. I <em>have</em> submitted requests for investigation on several accounts where I <em>have</em> not <em>been</em> provided verification of a <em>debt</em>. The company investigates the claim & validates the <em>debt</em> without proof of the <em>debt</em> provided to myself or proof that I <em>have</em> <em>been</em> provided validation per FCRA."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.088288,"3588049"]},{"_index":"complaint-public-v1","_id":"10896271","_score":11.076123,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against WAKEFIELD & ASSOCIATES and their Agents XXXX ( Client Success Representative ) and XXXX XXXX ( Collection Specialist ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Health Insurance Portability and Accountability Act ( HIPAA ), as well as provisions under the HITECH Act.\n\nThe debt collector has failed to provide the required documentation to validate the debt in question. Specifically, I have requested the following information, which has not been provided : Validation of Debt : Proof that I am the correct party being asked to pay the debt.\n\nDetails of the Alleged Debt : Information about the medical service ( s ), including the date of service and the name of the patient.\n\nProof of Contractual Obligation : Documentation proving my legal responsibility to pay this debt.\n\nAuthority to Collect : Copies of any agreements with the creditor granting the debt collector authority to collect the alleged debt, or proof of acquisition by purchase or assignment.\n\nHIPAA Compliance : Documentation that supports the disclosure of medical records under HIPAA.\n\nSecurity Provisions Compliance : Documentation demonstrating compliance with the breach of security provisions of Subtitle D of the ARRA and provisions related to health information security ( HITECH Act ).\n\nAdditionally, I have requested that the debt collector cease and desist any further collection activities, including reporting or verifying the debt on my credit reports. I have specified a ten-day period for compliance with these requests.\n\nDespite these requests, the debt collector has failed to provide the necessary documentation or cease collection activities, which is in direct violation of the FDCPA, FCRA, and HIPAA. As a result of these violations, I have suffered potential harm to my credit, privacy, and peace of mind.","date_sent_to_company":"2024-11-22T21:04:35.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"330XX","tags":null,"has_narrative":true,"complaint_id":"10896271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"W&A Intermediate Co., LLC","date_received":"2024-11-22T20:31:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Additionally, I <em>have</em> requested that the <em>debt</em> collector cease and desist any further collection activities, including <em>reporting</em> or verifying the <em>debt</em> on my credit <em>reports</em>. I <em>have</em> specified a ten-day period for <em>compliance</em> with these requests.\n\nDespite these requests, the <em>debt</em> collector has failed to provide the necessary documentation or cease collection activities, which is in direct violation of the FDCPA, FCRA, and HIPAA."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["Didn't receive enough information to verify <em>debt</em>"]},"sort":[11.076123,"10896271"]},{"_index":"complaint-public-v1","_id":"12159546","_score":11.06066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b(2). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they cannot collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.\n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.\n\nXXXX XXXX XXXX XXXX  This charged-off account is in violation of the Fair Credit Reporting Act\n(15 U.S.C.  1681) and the Truth in Lending Act (15 U.S.C.  1601), as it remains inaccurately\nreported without proper validation, and failure to remove it will lead to legal action for willful non\u0002compliance with federal consumer protection laws. - This is paid as agreed and should not be\nreporting negatively on my report.\nXXXX XXXX XXXX  - This charged-off account is in violation of the Fair Credit Reporting Act\n(15 U.S.C.  1681) and the Truth in Lending Act (15 U.S.C.  1601), as it remains inaccurately\nreported without proper validation, and failure to remove it will lead to legal action for willful non\u0002compliance with federal consumer protection laws. - This is paid as agreed and should not be\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt\nCollection Practices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681),\nas it has not been properly validated; failure to remove it will result in legal action for non\u0002compliance with federal law.\nXXXX XXXX XXXX - This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt\nCollection Practices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681),\nas it has not been properly validated; failure to remove it will result in legal action for non\u0002compliance with federal law.\nXXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act (15\nU.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has not been properly\nvalidated; failure to remove it will result in legal action for non-compliance with federal law.\nXXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act (15\nU.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has not been properly\nvalidated; failure to remove it will result in legal action for non-compliance with federal law.\nXXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX  - This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law. XXXX XXXX XXXX XXXX - This hard inquiry was unauthorized and violates the Fair Credit\nReporting Act (15 U.S.C.  1681b), as I did not consent to it, and I demand its immediate removal\nor face potential legal action. - Delete immediately!\nXXXX XXXX XXXX XXXX  - This hard inquiry was unauthorized and violates the Fair Credit\nReporting Act (15 U.S.C.  1681b), as I did not consent to it, and I demand its immediate removal\nor face potential legal action. - Delete immediately!","date_sent_to_company":"2025-02-21T12:00:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78217","tags":null,"has_narrative":true,"complaint_id":"12159546","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-21T11:59:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":[") and the Fair Credit <em>Reporting</em> Act (15 U.S.C.  1681), as it has\nnot <em>been</em> properly validated; failure to remove it will result in legal action for non-<em>compliance</em> with\nfederal law."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.06066,"12159546"]},{"_index":"complaint-public-v1","_id":"12159545","_score":11.06066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b(2). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they cannot collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.\n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.\n\nXXXX XXXX XXXX XXXX  This charged-off account is in violation of the Fair Credit Reporting Act\n(15 U.S.C.  1681) and the Truth in Lending Act (15 U.S.C.  1601), as it remains inaccurately\nreported without proper validation, and failure to remove it will lead to legal action for willful non\u0002compliance with federal consumer protection laws. - This is paid as agreed and should not be\nreporting negatively on my report.\nXXXX XXXX XXXX  - This charged-off account is in violation of the Fair Credit Reporting Act\n(15 U.S.C.  1681) and the Truth in Lending Act (15 U.S.C.  1601), as it remains inaccurately\nreported without proper validation, and failure to remove it will lead to legal action for willful non\u0002compliance with federal consumer protection laws. - This is paid as agreed and should not be\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt\nCollection Practices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681),\nas it has not been properly validated; failure to remove it will result in legal action for non\u0002compliance with federal law.\nXXXX XXXX XXXX - This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt\nCollection Practices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681),\nas it has not been properly validated; failure to remove it will result in legal action for non\u0002compliance with federal law.\nXXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act (15\nU.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has not been properly\nvalidated; failure to remove it will result in legal action for non-compliance with federal law.\nXXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act (15\nU.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has not been properly\nvalidated; failure to remove it will result in legal action for non-compliance with federal law.\nXXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX  - This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law. XXXX XXXX XXXX XXXX - This hard inquiry was unauthorized and violates the Fair Credit\nReporting Act (15 U.S.C.  1681b), as I did not consent to it, and I demand its immediate removal\nor face potential legal action. - Delete immediately!\nXXXX XXXX XXXX XXXX  - This hard inquiry was unauthorized and violates the Fair Credit\nReporting Act (15 U.S.C.  1681b), as I did not consent to it, and I demand its immediate removal\nor face potential legal action. - Delete immediately!","date_sent_to_company":"2025-02-21T12:00:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78217","tags":null,"has_narrative":true,"complaint_id":"12159545","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-21T11:59:50.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":[") and the Fair Credit <em>Reporting</em> Act (15 U.S.C.  1681), as it has\nnot <em>been</em> properly validated; failure to remove it will result in legal action for non-<em>compliance</em> with\nfederal law."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.06066,"12159545"]},{"_index":"complaint-public-v1","_id":"12159368","_score":11.06066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b(2). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.\n\nThe Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they cannot collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.\n\nIn this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.\n\nXXXX XXXX XXXX XXXX  This charged-off account is in violation of the Fair Credit Reporting Act\n(15 U.S.C.  1681) and the Truth in Lending Act (15 U.S.C.  1601), as it remains inaccurately\nreported without proper validation, and failure to remove it will lead to legal action for willful non\u0002compliance with federal consumer protection laws. - This is paid as agreed and should not be\nreporting negatively on my report.\nXXXX XXXX XXXX  - This charged-off account is in violation of the Fair Credit Reporting Act\n(15 U.S.C.  1681) and the Truth in Lending Act (15 U.S.C.  1601), as it remains inaccurately\nreported without proper validation, and failure to remove it will lead to legal action for willful non\u0002compliance with federal consumer protection laws. - This is paid as agreed and should not be\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt\nCollection Practices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681),\nas it has not been properly validated; failure to remove it will result in legal action for non\u0002compliance with federal law.\nXXXX XXXX XXXX - This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt\nCollection Practices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681),\nas it has not been properly validated; failure to remove it will result in legal action for non\u0002compliance with federal law.\nXXXX XXXX XXXX - This collection account violates the Fair Debt Collection Practices Act (15\nU.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has not been properly\nvalidated; failure to remove it will result in legal action for non-compliance with federal law.\nXXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act (15\nU.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has not been properly\nvalidated; failure to remove it will result in legal action for non-compliance with federal law.\nXXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law.\nXXXX XXXX XXXX XXXX XXXX  - This collection account violates the Fair Debt Collection\nPractices Act (15 U.S.C.  1692g) and the Fair Credit Reporting Act (15 U.S.C.  1681), as it has\nnot been properly validated; failure to remove it will result in legal action for non-compliance with\nfederal law. XXXX XXXX XXXX XXXX - This hard inquiry was unauthorized and violates the Fair Credit\nReporting Act (15 U.S.C.  1681b), as I did not consent to it, and I demand its immediate removal\nor face potential legal action. - Delete immediately!\nXXXX XXXX XXXX XXXX  - This hard inquiry was unauthorized and violates the Fair Credit\nReporting Act (15 U.S.C.  1681b), as I did not consent to it, and I demand its immediate removal\nor face potential legal action. - Delete immediately!","date_sent_to_company":"2025-02-21T12:00:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78217","tags":null,"has_narrative":true,"complaint_id":"12159368","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-21T11:54:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":[") and the Fair Credit <em>Reporting</em> Act (15 U.S.C.  1681), as it has\nnot <em>been</em> properly validated; failure to remove it will result in legal action for non-<em>compliance</em> with\nfederal law."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.06066,"12159368"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":21012,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":21012}]}},"product":{"doc_count":21012,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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