{"took":267,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":714,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16571839","_score":16.05098,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding inaccurate and misleading information appearing on my credit report. The negative items listed are not being reported accurately, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). \n\nAccording to 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in the information they report. Additionally, under 15 U.S. Code 1681i, if a consumer disputes any item, the bureau must conduct a reasonable reinvestigation to verify its accuracy. \n\nThe inaccurate reporting of these negative items has caused harm to my credit profile and does not reflect the true and current status of the accounts. I am requesting that these errors be investigated, corrected, or deleted immediately to ensure full compliance with the FCRA and to restore the accuracy of my credit file. \n\nPlease provide written confirmation of your investigation and the results once the necessary corrections have been made.","date_sent_to_company":"2025-10-14T16:32:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75089","tags":null,"has_narrative":true,"complaint_id":"16571839","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-14T16:31:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1681i, if a <em>consumer</em> disputes any item, the bureau must conduct a reasonable reinvestigation to verify its <em>accuracy</em>. \n\nThe inaccurate reporting of these negative items has caused harm to my credit profile and does not reflect the true and current status of the accounts. I am requesting that these errors be investigated, corrected, or deleted immediately to ensure full <em>compliance</em> with the FCRA and to <em>restore</em> the <em>accuracy</em> of my credit <em>file</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.05098,"16571839"]},{"_index":"complaint-public-v1","_id":"16568265","_score":16.05098,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding inaccurate and misleading information appearing on my credit report. The negative items listed are not being reported accurately, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). \n\nAccording to 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in the information they report. Additionally, under 15 U.S. Code 1681i, if a consumer disputes any item, the bureau must conduct a reasonable reinvestigation to verify its accuracy. \n\nThe inaccurate reporting of these negative items has caused harm to my credit profile and does not reflect the true and current status of the accounts. I am requesting that these errors be investigated, corrected, or deleted immediately to ensure full compliance with the FCRA and to restore the accuracy of my credit file. \n\nPlease provide written confirmation of your investigation and the results once the necessary corrections have been made.","date_sent_to_company":"2025-10-14T16:32:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75089","tags":null,"has_narrative":true,"complaint_id":"16568265","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-14T16:25:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1681i, if a <em>consumer</em> disputes any item, the bureau must conduct a reasonable reinvestigation to verify its <em>accuracy</em>. \n\nThe inaccurate reporting of these negative items has caused harm to my credit profile and does not reflect the true and current status of the accounts. I am requesting that these errors be investigated, corrected, or deleted immediately to ensure full <em>compliance</em> with the FCRA and to <em>restore</em> the <em>accuracy</em> of my credit <em>file</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[16.05098,"16568265"]},{"_index":"complaint-public-v1","_id":"16571838","_score":16.046131,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding inaccurate and misleading information appearing on my credit report. The negative items listed are not being reported accurately, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). \n\nAccording to 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in the information they report. Additionally, under 15 U.S. Code 1681i, if a consumer disputes any item, the bureau must conduct a reasonable reinvestigation to verify its accuracy. \n\nThe inaccurate reporting of these negative items has caused harm to my credit profile and does not reflect the true and current status of the accounts. I am requesting that these errors be investigated, corrected, or deleted immediately to ensure full compliance with the FCRA and to restore the accuracy of my credit file. \n\nPlease provide written confirmation of your investigation and the results once the necessary corrections have been made.","date_sent_to_company":"2025-10-14T16:32:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75089","tags":null,"has_narrative":true,"complaint_id":"16571838","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-14T16:31:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1681i, if a <em>consumer</em> disputes any item, the bureau must conduct a reasonable reinvestigation to verify its <em>accuracy</em>. \n\nThe inaccurate reporting of these negative items has caused harm to my credit profile and does not reflect the true and current status of the accounts. I am requesting that these errors be investigated, corrected, or deleted immediately to ensure full <em>compliance</em> with the FCRA and to <em>restore</em> the <em>accuracy</em> of my credit <em>file</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.046131,"16571838"]},{"_index":"complaint-public-v1","_id":"10973770","_score":13.805977,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The late payment reporting by XXXX XXXX to credit bureaus is unfair and inaccurate under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings on the need for fairness, accuracy, and respect for consumer privacy in credit reporting. Heres how : Inaccuracy Undermines the Banking System : Section 1681 ( a ) ( 1 ) emphasizes that the banking system depends on accurate credit reporting. XXXX XXXX reporting of a late payment, if inaccurate or disputable, compromises the reliability of the banking and credit system and unfairly harms me as a consumer. \nUnfair Practices in Reporting : Section 1681 ( a ) ( 4 ) obligates creditors and credit reporting agencies to handle information with fairness and respect for the consumer 's right to privacy. XXXX XXXX actions in this case fail to uphold these principles, as they reported the payment as late despite my compliance with applicable consumer protection laws or a misunderstanding that could have been resolved before reporting. \nBreach of Responsibility to Ensure Accuracy : Section 1681 ( b ) requires consumer reporting systems to operate fairly, equitably, and accurately while protecting confidentiality. XXXX XXXX late payment reporting fails to meet this standard, introducing errors into my credit file that unfairly damage my reputation and creditworthiness. \nViolation of Payment Timing Protections ( 15 U.S.C. 1666b ) : Under 15 U.S.C. 1666b, creditors may not treat payments on open-end credit plans as late if received by XXXX XXXX. on the due date and in the correct amount and format. If XXXX XXXX reported my payment as late despite compliance with these conditions, it constitutes a direct violation of this rule, further highlighting the unfairness of their reporting. \nRequest for Resolution To address this issue and restore fairness, I request that XXXX XXXX : Immediately remove the late payment entry from my credit report. \nInform all relevant credit reporting agencies of this correction to ensure that my credit history is accurately reflected. \nThis resolution is necessary to uphold the principles of accuracy, fairness, and consumer protection enshrined in the Fair Credit Reporting Act and the Truth in Lending Act.","date_sent_to_company":"2024-11-30T02:29:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77498","tags":null,"has_narrative":true,"complaint_id":"10973770","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-30T02:29:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX actions in this case fail to uphold these principles, as they reported the payment as late despite my <em>compliance</em> with applicable <em>consumer</em> protection laws or a misunderstanding that could have been resolved before reporting. \nBreach of Responsibility to Ensure <em>Accuracy</em> : Section 1681 ( b ) requires <em>consumer</em> reporting systems to operate fairly, equitably, and accurately while protecting confidentiality."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.805977,"10973770"]},{"_index":"complaint-public-v1","_id":"10973583","_score":13.803383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The late payment reporting by XXXX XXXX to credit bureaus is unfair and inaccurate under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings on the need for fairness, accuracy, and respect for consumer privacy in credit reporting. Heres how : Inaccuracy Undermines the Banking System : Section 1681 ( a ) ( 1 ) emphasizes that the banking system depends on accurate credit reporting. XXXX XXXX reporting of a late payment, if inaccurate or disputable, compromises the reliability of the banking and credit system and unfairly harms me as a consumer. \nUnfair Practices in Reporting : Section 1681 ( a ) ( 4 ) obligates creditors and credit reporting agencies to handle information with fairness and respect for the consumer 's right to privacy. XXXX XXXX actions in this case fail to uphold these principles, as they reported the payment as late despite my compliance with applicable consumer protection laws or a misunderstanding that could have been resolved before reporting. \nBreach of Responsibility to Ensure Accuracy : Section 1681 ( b ) requires consumer reporting systems to operate fairly, equitably, and accurately while protecting confidentiality. XXXX XXXX late payment reporting fails to meet this standard, introducing errors into my credit file that unfairly damage my reputation and creditworthiness. \nViolation of Payment Timing Protections ( 15 U.S.C. 1666b ) : Under 15 U.S.C. 1666b, creditors may not treat payments on open-end credit plans as late if received by XXXX XXXX. on the due date and in the correct amount and format. If XXXX XXXX reported my payment as late despite compliance with these conditions, it constitutes a direct violation of this rule, further highlighting the unfairness of their reporting. \nRequest for Resolution To address this issue and restore fairness, I request that XXXX XXXX : Immediately remove the late payment entry from my credit report. \nInform all relevant credit reporting agencies of this correction to ensure that my credit history is accurately reflected. \nThis resolution is necessary to uphold the principles of accuracy, fairness, and consumer protection enshrined in the Fair Credit Reporting Act and the Truth in Lending Act.","date_sent_to_company":"2024-11-30T02:29:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77498","tags":null,"has_narrative":true,"complaint_id":"10973583","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-30T02:24:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX actions in this case fail to uphold these principles, as they reported the payment as late despite my <em>compliance</em> with applicable <em>consumer</em> protection laws or a misunderstanding that could have been resolved before reporting. \nBreach of Responsibility to Ensure <em>Accuracy</em> : Section 1681 ( b ) requires <em>consumer</em> reporting systems to operate fairly, equitably, and accurately while protecting confidentiality."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.803383,"10973583"]},{"_index":"complaint-public-v1","_id":"10973769","_score":13.780899,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The late payment reporting by XXXX XXXX to credit bureaus is unfair and inaccurate under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings on the need for fairness, accuracy, and respect for consumer privacy in credit reporting. Heres how : Inaccuracy Undermines the Banking System : Section 1681 ( a ) ( 1 ) emphasizes that the banking system depends on accurate credit reporting. XXXX XXXX reporting of a late payment, if inaccurate or disputable, compromises the reliability of the banking and credit system and unfairly harms me as a consumer. \nUnfair Practices in Reporting : Section 1681 ( a ) ( 4 ) obligates creditors and credit reporting agencies to handle information with fairness and respect for the consumer 's right to privacy. XXXX XXXX actions in this case fail to uphold these principles, as they reported the payment as late despite my compliance with applicable consumer protection laws or a misunderstanding that could have been resolved before reporting. \nBreach of Responsibility to Ensure Accuracy : Section 1681 ( b ) requires consumer reporting systems to operate fairly, equitably, and accurately while protecting confidentiality. XXXX XXXX late payment reporting fails to meet this standard, introducing errors into my credit file that unfairly damage my reputation and creditworthiness. \nViolation of Payment Timing Protections ( 15 U.S.C. 1666b ) : Under 15 U.S.C. 1666b, creditors may not treat payments on open-end credit plans as late if received by XXXX XXXX. on the due date and in the correct amount and format. If XXXX XXXX reported my payment as late despite compliance with these conditions, it constitutes a direct violation of this rule, further highlighting the unfairness of their reporting. \nRequest for Resolution To address this issue and restore fairness, I request that XXXX XXXX : Immediately remove the late payment entry from my credit report. \nInform all relevant credit reporting agencies of this correction to ensure that my credit history is accurately reflected. \nThis resolution is necessary to uphold the principles of accuracy, fairness, and consumer protection enshrined in the Fair Credit Reporting Act and the Truth in Lending Act.","date_sent_to_company":"2024-11-30T02:29:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77498","tags":null,"has_narrative":true,"complaint_id":"10973769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-30T02:29:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX actions in this case fail to uphold these principles, as they reported the payment as late despite my <em>compliance</em> with applicable <em>consumer</em> protection laws or a misunderstanding that could have been resolved before reporting. \nBreach of Responsibility to Ensure <em>Accuracy</em> : Section 1681 ( b ) requires <em>consumer</em> reporting systems to operate fairly, equitably, and accurately while protecting confidentiality."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.780899,"10973769"]},{"_index":"complaint-public-v1","_id":"9126689","_score":13.600271,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention the issue of inaccurate information that Experian is reporting on my credit report. Despite my efforts to resolve this directly with Experian, these inaccuracies have not been corrected and continue to adversely affect my credit score and financial well-being. \n\nThese inaccuracies are clear violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). \n\nThe FCRA mandates that credit reporting agencies must ensure the accuracy of the information they report. Specifically, Experian is in violation of : Section 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute being filed. \nSection 623 ( 15 U.S.C. 1681s-2 ), which obligates information furnishers to provide accurate information to credit reporting agencies and to correct any errors promptly. \nGiven Experian 's failure to adhere to these legal obligations, I am requesting the Consumer Financial Protection Bureau 's immediate intervention to ensure compliance. I urge the CFPB to mandate Experian to delete the inaccurate information from my credit report without delay. \n\nAttached to this letter are copies of my communications with Experian, including dispute letters and their responses, as well as a copy of my credit report highlighting the inaccuracies. \n\nI appreciate your prompt attention to this matter and look forward to a swift resolution that restores the accuracy of my credit report. \n\nThank you for your assistance.","date_sent_to_company":"2024-05-29T22:02:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33322","tags":null,"has_narrative":true,"complaint_id":"9126689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-29T22:00:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I appreciate your prompt attention to this matter and look forward to a swift resolution that <em>restores</em> the <em>accuracy</em> of my credit report. \n\nThank you for your assistance."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.600271,"9126689"]},{"_index":"complaint-public-v1","_id":"12068582","_score":13.413471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing as a follow-up to my previous correspondence disputing inaccuracies in my credit report, specifically regarding accounts erroneously marked as included in bankruptcy and accounts reflecting incorrect late payment histories. To date, I have not received a substantive response addressing my concerns, nor have the requested corrections been made. The continued misrepresentation of these accounts constitutes a failure to uphold the investigatory and reporting standards mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Failure to Adhere to FCRA Standards I am compelled to question the thoroughness and integrity of the verification process conducted in response to my dispute. In accordance with 15 U.S.C.\n\n1681i ( a ) ( 1 ) ( A ), credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information. Given that these inaccuracies persist despite my dispute, I request clarification on the following points : 1.Verification Procedures : What specific steps were undertaken to verify the accuracy of the information provided by the furnishers? Did the furnishers supply documented evidence substantiating their reporting? 2.Compliance with FCRA Requirements : The FCRA mandates that consumer reporting agencies ensure maximum Hide full complaint possible accuracy in credit files. Why has demonstrably false information remained on my report? 3.Deficiency in Investigation : The failure to rectify these errors suggests an overreliance on creditor-furnished data without independent verification. How does your bureau ensure compliance with the investigative obligations set forth under XXXX XXXX XXXX XXXX ( 1997 ) and similar case law? Immediate Corrective Actions Required To resolve these discrepancies and restore the integrity of my credit file, I demand the following actions : XXXX - XXXX XXXX XXXX & XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-20T20:21:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90034","tags":null,"has_narrative":true,"complaint_id":"12068582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-13T06:28:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Given that these inaccuracies persist despite my dispute, I request clarification on the following points : 1.Verification Procedures : What specific steps were undertaken to verify the <em>accuracy</em> of the information provided by the furnishers? Did the furnishers supply documented evidence substantiating their reporting? 2.<em>Compliance</em> with FCRA Requirements : The FCRA mandates that <em>consumer</em> reporting agencies ensure maximum Hide full complaint possible <em>accuracy</em> in credit <em>files</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.413471,"12068582"]},{"_index":"complaint-public-v1","_id":"11005309","_score":13.413399,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I discovered my XXXX XXXX on Transunion dropped from XXXX to XXXX. I attempted to access Transunion but could not view my account. ( Please see attached snapshots ). I contacted Transunion and was advised that I could not view my report because 'they were merging a 'new ' credit file. As of today I still can not access my credit report on Transunion. Here is the letter I sent Transunion : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Demand for Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally address a critical issue concerning my TransUnion credit report. On XX/XX/XXXX, I discovered that my XXXX XXXX dropped drastically from XXXX to XXXX. When I attempted to access my credit file through TransUnion to investigate this matter, I was blocked. Upon contacting your representatives, I was informed that TransUnion is in the process of merging another credit file with my current file, which is the cause of this restriction. \n\nThis action violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( 15 U.S.C. 1681g ), which entitles me to access the information contained in my credit file. The FCRA requires credit reporting agencies to provide consumers with access to their credit reports and maintain the accuracy of the information reported. Blocking my access to my file and failing to notify me of any significant changes constitutes non-compliance with these federal requirements. \n\nFurthermore, your failure to ensure the accuracy of the information and maintain my ability to monitor my XXXX XXXX has caused financial and emotional distress. This situation has had a direct negative impact on my creditworthiness, which is unacceptable. \n\nAs a remedy, I formally demand that you : Immediately restore my XXXX XXXX to its previous state of XXXX prior to the merging process. \nProvide me with unrestricted access to my credit file and any documentation or details regarding the merging of the files. \nInvestigate and resolve the issues caused by the merging process, ensuring that all reported information is accurate and properly attributed. \nIf these issues are not resolved within 15 days of receipt of this letter, I will have no choice but to pursue legal remedies as permitted under the FCRA, including statutory damages of up to {$1000.00} for non-compliance and additional compensation for any actual damages incurred. \n\nPlease confirm in writing within 15 days that the necessary corrections have been made and that I will no longer face barriers to accessing my credit file. Failure to comply will result in legal action without further notice. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-12-03T21:45:36.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"75234","tags":null,"has_narrative":true,"complaint_id":"11005309","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-03T21:08:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["The FCRA requires credit reporting agencies to provide <em>consumers</em> with access to their credit reports and maintain the <em>accuracy</em> of the information reported. Blocking my access to my <em>file</em> and failing to notify me of any significant changes constitutes non-<em>compliance</em> with these federal requirements. \n\nFurthermore, your failure to ensure the <em>accuracy</em> of the information and maintain my ability to monitor my XXXX XXXX has caused financial and emotional distress."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.413399,"11005309"]},{"_index":"complaint-public-v1","_id":"12068676","_score":13.393618,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing as a follow-up to my previous correspondence disputing inaccuracies in my credit report, specifically regarding accounts erroneously marked as included in bankruptcy and accounts reflecting incorrect late payment histories. To date, I have not received a substantive response addressing my concerns, nor have the requested corrections been made. The continued misrepresentation of these accounts constitutes a failure to uphold the investigatory and reporting standards mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Failure to Adhere to FCRA Standards I am compelled to question the thoroughness and integrity of the verification process conducted in response to my dispute. In accordance with 15 U.S.C.\n\n1681i ( a ) ( 1 ) ( A ), credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information. Given that these inaccuracies persist despite my dispute, I request clarification on the following points : 1.Verification Procedures : What specific steps were undertaken to verify the accuracy of the information provided by the furnishers? Did the furnishers supply documented evidence substantiating their reporting? 2.Compliance with FCRA Requirements : The FCRA mandates that consumer reporting agencies ensure maximum Hide full complaint possible accuracy in credit files. Why has demonstrably false information remained on my report? 3.Deficiency in Investigation : The failure to rectify these errors suggests an overreliance on creditor-furnished data without independent verification. How does your bureau ensure compliance with the investigative obligations set forth under Cushman v. TransUnion Corp. ( 1997 ) and similar case law? Immediate Corrective Actions Required To resolve these discrepancies and restore the integrity of my credit file, I demand the following actions : XXXX - XXXX XXXX XXXX & Bankruptcy XXXX XXXX Discharged Reference : XXXX","date_sent_to_company":"2025-02-20T20:21:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90034","tags":null,"has_narrative":true,"complaint_id":"12068676","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-13T06:25:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Given that these inaccuracies persist despite my dispute, I request clarification on the following points : 1.Verification Procedures : What specific steps were undertaken to verify the <em>accuracy</em> of the information provided by the furnishers? Did the furnishers supply documented evidence substantiating their reporting? 2.<em>Compliance</em> with FCRA Requirements : The FCRA mandates that <em>consumer</em> reporting agencies ensure maximum Hide full complaint possible <em>accuracy</em> in credit <em>files</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.393618,"12068676"]},{"_index":"complaint-public-v1","_id":"17107569","_score":13.349567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being filed by XXXX XXXX, the authorized representative of XXXX XXXX, pursuant to a signed Consumer Authorization and Limited Assignment Agreement between XXXX XXXX and XXXX XXXX XXXX, XXXX. This complaint is directed against Equifax Information Services for its continued and willful failure to correct and verify inaccurate information within the consumers credit file, in clear violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681s-2, 1681n, and 1681o. Despite a formal dispute submitted on XX/XX/year>, and a second written follow-up on XX/XX/year>, Equifax has refused to perform a lawful and complete reinvestigation or to remove inaccurate data. The disputed account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continues to display false late-payment entries for XX/XX/year>, even after Equifax was provided evidence showing these entries were the result of the furnishers internal reporting errors, not any delinquency by the consumer. Equifaxs deliberate choice to ignore this documentation and continue publishing false information constitutes a reckless and willful disregard of its legal obligations under the FCRA.\n\nEquifaxs conduct has caused harm to the consumers credit reputation and financial standing. The companys repeated failure to correct unverifiable data after proper notice demonstrates systemic negligence and intentional non-compliance. The authorized representative hereby demands that the Consumer Financial Protection Bureau ( CFPB ) compel Equifax to take immediate corrective action, including the permanent deletion of all inaccurate and unverifiable late-payment entries, the provision of written verification identifying the entity or individual who allegedly confirmed the false data, and full disclosure of all supporting documents used during Equifaxs reinvestigation. Furthermore, Equifax must confirm in writing that XXXX XXXX credit file has been corrected and updated to reflect accurate and verified information. Equifaxs continued disregard of statutory obligations under federal law warrants CFPB intervention to enforce compliance, restore accuracy to the consumers file, and hold Equifax accountable for its willful violations of the FCRA.","date_sent_to_company":"2025-11-07T08:33:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90201","tags":null,"has_narrative":true,"complaint_id":"17107569","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-07T08:30:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Furthermore, Equifax must confirm in writing that XXXX XXXX credit <em>file</em> has been corrected and updated to reflect accurate and verified information. Equifaxs continued disregard of statutory obligations under federal law warrants CFPB intervention to enforce <em>compliance</em>, <em>restore</em> <em>accuracy</em> to the <em>consumers</em> <em>file</em>, and hold Equifax accountable for its willful violations of the FCRA."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.349567,"17107569"]},{"_index":"complaint-public-v1","_id":"16493128","_score":13.310523,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a formal complaint being filed with the Consumer Financial Protection Bureau regarding serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by certain furnishers and credit reporting agencies. Despite multiple disputes and written requests for verification, the inaccurate and unverifiable information listed below continues to appear on my credit file. These violations have resulted in emotional distress, lowered credit scores, and loss of financial opportunities. I am requesting the CFPB to investigate these matters and enforce compliance with federal law. \n\nXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$7100.00} Charge Off * * This account is being reported as a charge-off without any legal verification or proof of accuracy. FCRA 623 ( A ) ( 3 ) explicitly requires that disputed information be thoroughly investigated, and any unverifiable data be corrected or deleted. No documentation has been provided showing my authorization, contract, or payment records related to this account. The continued reporting after repeated disputes represents a willful violation of FCRA 616 and negligence under 607 ( B ). The failure to verify this information damages my credit reputation, and I am demanding its deletion due to lack of substantiation and failure of reinvestigation under federal law. \n\nI am submitting this complaint to the CFPB because these continued inaccuracies, charge-offs, false addresses, and unauthorized inquiries violate multiple sections of the FCRA and FDCPA. The reporting agencies and furnishers have failed to validate, correct, or remove the disputed information despite repeated requests, showing clear negligence and willful noncompliance. I respectfully request that the CFPB investigate each violation, compel the responsible parties to provide full documentation or remove unverifiable data, and ensure compliance with FCRA 616. I further request that corrective action be taken to restore my credit files accuracy and integrity and hold the violators accountable under federal law.","date_sent_to_company":"2025-10-10T11:44:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90047","tags":null,"has_narrative":true,"complaint_id":"16493128","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-10T11:40:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I respectfully request that the CFPB investigate each violation, compel the responsible parties to provide full documentation or remove unverifiable data, and ensure <em>compliance</em> with FCRA 616. I further request that corrective action be taken to <em>restore</em> my credit <em>files</em> <em>accuracy</em> and integrity and hold the violators accountable under federal law."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.310523,"16493128"]},{"_index":"complaint-public-v1","_id":"10943214","_score":13.309132,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Moreover, your compliance with the XXXX XXXX format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors. \nLet me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities, I will not hesitate to pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Your disregard for the truth has left a stain upon my financial identity, but rest assured, I will not allow this injustice to stand. I will not be silent in the face of this violation. You have XXXX XXXX from the date of this letter to correct these wrongs and restore my rightful credit standing. \nI look forward to your swift and just resolution of this matter. \nAlso any address that is not XXXX XXXX XXXXXXXX XXXX XXXX Va XXXX remove it for the address i provided is the only place I have lived within the last XXXX XXXX  remove the INQUIRES THAT WILL BE ATTACHED TO FTC REPORT BELOW","date_sent_to_company":"2024-11-27T01:03:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"233XX","tags":null,"has_narrative":true,"complaint_id":"10943214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-27T01:03:38.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["I will accept no less than full <em>compliance</em> with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities, I will not hesitate to pursue legal action, including <em>filing</em> formal complaints with the <em>Consumer</em> Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Your disregard for the truth has left a stain upon my financial identity, but rest assured, I will not allow this injustice to stand."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.309132,"10943214"]},{"_index":"complaint-public-v1","_id":"10943512","_score":13.297875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Moreover, your compliance with the XXXX XXXX format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors.\n\nLet me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities, I will not hesitate to pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Your disregard for the truth has left a stain upon my financial identity, but rest assured, I will not allow this injustice to stand. I will not be silent in the face of this violation. You have 15 days from the date of this letter to correct these wrongs and restore my rightful credit standing. \nI look forward to your swift and just resolution of this matter. \nAlso any address that is not XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  remove it for the address i provided is the only place I have lived within the last XXXX years remove the INQUIRES THAT WILL BE ATTACHED TO FTC REPORT BELOW","date_sent_to_company":"2024-11-27T01:03:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"233XX","tags":null,"has_narrative":true,"complaint_id":"10943512","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-27T00:36:26.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["I will accept no less than full <em>compliance</em> with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities, I will not hesitate to pursue legal action, including <em>filing</em> formal complaints with the <em>Consumer</em> Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Your disregard for the truth has left a stain upon my financial identity, but rest assured, I will not allow this injustice to stand."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.297875,"10943512"]},{"_index":"complaint-public-v1","_id":"13741164","_score":13.212537,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against the three major credit reporting agencies : Experian, Equifax, and TransUnion, for reporting negative information on my credit reports that has not been verified in accordance with the law.\n\nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or unverifiable information on their credit reports, and the credit bureaus are legally obligated to investigate and verify the accuracy of the disputed items within 30 days. \n\nI have reviewed my credit reports and found multiple negative entries related to alleged debts that I do not recognize and that have not been verified despite previous disputes. These items continue to appear on my reports, causing ongoing harm to my creditworthiness and financial reputation. \n\nThe bureaus failure to properly investigate and remove these unverifiable accounts violates my rights under the FCRA. Specifically, their actions appear to be in breach of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.\n\n15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of consumer information.\n\n15 U.S.C. 1681c Reporting outdated or otherwise prohibited information.\n\nI am requesting that the CFPB investigate this matter and require Experian, Equifax, and TransUnion to : 1. Provide documented proof of verification for each disputed debt, including the original creditor and documentation bearing my signature ; or 2. Remove all unverified and inaccurate negative accounts from my credit reports in compliance with the FCRA. \n\nThank you for your attention to this matter. I am seeking a fair resolution to restore the accuracy and integrity of my credit reports.","date_sent_to_company":"2025-05-27T20:09:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20020","tags":null,"has_narrative":true,"complaint_id":"13741164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-27T20:09:02.000Z","state":"DC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Remove all unverified and inaccurate negative accounts from my credit reports in <em>compliance</em> with the FCRA. \n\nThank you for your attention to this matter. I am seeking a fair resolution to <em>restore</em> the <em>accuracy</em> and integrity of my credit reports."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.212537,"13741164"]},{"_index":"complaint-public-v1","_id":"13738316","_score":13.212537,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against the three major credit reporting agencies : Experian, Equifax, and TransUnion, for reporting negative information on my credit reports that has not been verified in accordance with the law.\n\nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or unverifiable information on their credit reports, and the credit bureaus are legally obligated to investigate and verify the accuracy of the disputed items within 30 days. \n\nI have reviewed my credit reports and found multiple negative entries related to alleged debts that I do not recognize and that have not been verified despite previous disputes. These items continue to appear on my reports, causing ongoing harm to my creditworthiness and financial reputation. \n\nThe bureaus failure to properly investigate and remove these unverifiable accounts violates my rights under the FCRA. Specifically, their actions appear to be in breach of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.\n\n15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of consumer information.\n\n15 U.S.C. 1681c Reporting outdated or otherwise prohibited information.\n\nI am requesting that the CFPB investigate this matter and require Experian, Equifax, and TransUnion to : 1. Provide documented proof of verification for each disputed debt, including the original creditor and documentation bearing my signature ; or 2. Remove all unverified and inaccurate negative accounts from my credit reports in compliance with the FCRA. \n\nThank you for your attention to this matter. I am seeking a fair resolution to restore the accuracy and integrity of my credit reports.","date_sent_to_company":"2025-05-27T20:09:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20020","tags":null,"has_narrative":true,"complaint_id":"13738316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-27T20:09:02.000Z","state":"DC","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":["Remove all unverified and inaccurate negative accounts from my credit reports in <em>compliance</em> with the FCRA. \n\nThank you for your attention to this matter. I am seeking a fair resolution to <em>restore</em> the <em>accuracy</em> and integrity of my credit reports."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.212537,"13738316"]},{"_index":"complaint-public-v1","_id":"13760398","_score":13.186709,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this formal complaint against the XXXX major credit reporting agencies : XXXX, Equifax, and XXXX, for reporting negative information on my credit reports that has not been verified in accordance with the law. \n\nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or unverifiable information on their credit reports, and the credit bureaus are legally obligated to investigate and verify the accuracy of the disputed items within 30 days.\n\nI have reviewed my credit reports and found multiple negative entries related to alleged debts that I do not recognize and that have not been verified despite previous disputes. These items continue to appear on my reports, causing ongoing harm to my creditworthiness and financial reputation.\n\nThe bureaus failure to properly investigate and remove these unverifiable accounts violates my rights under the FCRA. Specifically, their actions appear to be in breach of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.\n\n15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of consumer information.\n\n15 U.S.C. 1681c Reporting outdated or otherwise prohibited information.\n\nI am requesting that the CFPB investigate this matter and require XXXX, Equifax, and XXXX  to : 1. Provide documented proof of verification for each disputed debt, including the original creditor and documentation bearing my signature ; or 2. Remove all unverified and inaccurate negative accounts from my credit reports in compliance with the FCRA.\n\nThank you for your attention to this matter. I am seeking a fair resolution to restore the accuracy and integrity of my credit reports.","date_sent_to_company":"2025-05-27T20:03:35.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"20020","tags":null,"has_narrative":true,"complaint_id":"13760398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-27T19:46:55.000Z","state":"DC","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Remove all unverified and inaccurate negative accounts from my credit reports in <em>compliance</em> with the FCRA.\n\nThank you for your attention to this matter. I am seeking a fair resolution to <em>restore</em> the <em>accuracy</em> and integrity of my credit reports."]},"sort":[13.186709,"13760398"]},{"_index":"complaint-public-v1","_id":"13738467","_score":13.174891,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against the three major credit reporting agencies : Experian, Equifax, and TransUnion, for reporting negative information on my credit reports that has not been verified in accordance with the law.\n\nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or unverifiable information on their credit reports, and the credit bureaus are legally obligated to investigate and verify the accuracy of the disputed items within 30 days. \n\nI have reviewed my credit reports and found multiple negative entries related to alleged debts that I do not recognize and that have not been verified despite previous disputes. These items continue to appear on my reports, causing ongoing harm to my creditworthiness and financial reputation. \n\nThe bureaus failure to properly investigate and remove these unverifiable accounts violates my rights under the FCRA. Specifically, their actions appear to be in breach of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.\n\n15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of consumer information.\n\n15 U.S.C. 1681c Reporting outdated or otherwise prohibited information.\n\nI am requesting that the CFPB investigate this matter and require Experian, Equifax, and TransUnion to : 1. Provide documented proof of verification for each disputed debt, including the original creditor and documentation bearing my signature ; or 2. Remove all unverified and inaccurate negative accounts from my credit reports in compliance with the FCRA. \n\nThank you for your attention to this matter. I am seeking a fair resolution to restore the accuracy and integrity of my credit reports.","date_sent_to_company":"2025-05-27T20:09:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20020","tags":null,"has_narrative":true,"complaint_id":"13738467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-27T20:04:05.000Z","state":"DC","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":["Remove all unverified and inaccurate negative accounts from my credit reports in <em>compliance</em> with the FCRA. \n\nThank you for your attention to this matter. I am seeking a fair resolution to <em>restore</em> the <em>accuracy</em> and integrity of my credit reports."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.174891,"13738467"]},{"_index":"complaint-public-v1","_id":"18133950","_score":13.151786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because my credit report contains numerous collection accounts, tradelines, and an excessive volume of auto-related and consumer finance inquiries associated with entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many dealership-related furnishers, which together appear inaccurate, inconsistent, duplicative, or reported without proper verification. The presence of multiple collection balances alongside repeated inquiry activity reported across overlapping dates has materially misrepresented my credit profile and raises serious concerns regarding compliance with the Fair Credit Reporting Act, including the requirements under 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 604 to ensure maximum possible accuracy and permissible purpose prior to reporting. The sheer volume and frequency of these inquiries, combined with unresolved collection reporting, has caused substantial confusion, unnecessary credit damage, and financial hardship, particularly where the information can not be reasonably verified or distinguished as accurate and authorized. As a consumer, I am entitled to a credit report that reflects only information that is complete, accurate, verifiable, and lawfully reported, yet these items continue to remain despite prior efforts to address inaccuracies. I am submitting this CFPB complaint to formally document these concerns and to ensure that my rights under federal law are acknowledged and enforced so the accuracy, fairness, and integrity of my credit file can be restored.","date_sent_to_company":"2025-12-18T06:31:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77845","tags":null,"has_narrative":true,"complaint_id":"18133950","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-18T06:27:19.000Z","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":["As a <em>consumer</em>, I am entitled to a credit report that reflects only information that is complete, accurate, verifiable, and lawfully reported, yet these items continue to remain despite prior efforts to address inaccuracies. I am submitting this CFPB complaint to formally document these concerns and to ensure that my rights under federal law are acknowledged and enforced so the <em>accuracy</em>, fairness, and integrity of my credit <em>file</em> can be <em>restored</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.151786,"18133950"]},{"_index":"complaint-public-v1","_id":"18133949","_score":13.151786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because my credit report contains numerous collection accounts, tradelines, and an excessive volume of auto-related and consumer finance inquiries associated with entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many dealership-related furnishers, which together appear inaccurate, inconsistent, duplicative, or reported without proper verification. The presence of multiple collection balances alongside repeated inquiry activity reported across overlapping dates has materially misrepresented my credit profile and raises serious concerns regarding compliance with the Fair Credit Reporting Act, including the requirements under 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 604 to ensure maximum possible accuracy and permissible purpose prior to reporting. The sheer volume and frequency of these inquiries, combined with unresolved collection reporting, has caused substantial confusion, unnecessary credit damage, and financial hardship, particularly where the information can not be reasonably verified or distinguished as accurate and authorized. As a consumer, I am entitled to a credit report that reflects only information that is complete, accurate, verifiable, and lawfully reported, yet these items continue to remain despite prior efforts to address inaccuracies. I am submitting this CFPB complaint to formally document these concerns and to ensure that my rights under federal law are acknowledged and enforced so the accuracy, fairness, and integrity of my credit file can be restored.","date_sent_to_company":"2025-12-18T06:31:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77845","tags":null,"has_narrative":true,"complaint_id":"18133949","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-18T06:27:19.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As a <em>consumer</em>, I am entitled to a credit report that reflects only information that is complete, accurate, verifiable, and lawfully reported, yet these items continue to remain despite prior efforts to address inaccuracies. I am submitting this CFPB complaint to formally document these concerns and to ensure that my rights under federal law are acknowledged and enforced so the <em>accuracy</em>, fairness, and integrity of my credit <em>file</em> can be <em>restored</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.151786,"18133949"]},{"_index":"complaint-public-v1","_id":"18133947","_score":13.125294,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because my credit report contains numerous collection accounts, tradelines, and an excessive volume of auto-related and consumer finance inquiries associated with entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many dealership-related furnishers, which together appear inaccurate, inconsistent, duplicative, or reported without proper verification. The presence of multiple collection balances alongside repeated inquiry activity reported across overlapping dates has materially misrepresented my credit profile and raises serious concerns regarding compliance with the Fair Credit Reporting Act, including the requirements under 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 604 to ensure maximum possible accuracy and permissible purpose prior to reporting. The sheer volume and frequency of these inquiries, combined with unresolved collection reporting, has caused substantial confusion, unnecessary credit damage, and financial hardship, particularly where the information can not be reasonably verified or distinguished as accurate and authorized. As a consumer, I am entitled to a credit report that reflects only information that is complete, accurate, verifiable, and lawfully reported, yet these items continue to remain despite prior efforts to address inaccuracies. I am submitting this CFPB complaint to formally document these concerns and to ensure that my rights under federal law are acknowledged and enforced so the accuracy, fairness, and integrity of my credit file can be restored.","date_sent_to_company":"2025-12-18T06:31:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77845","tags":null,"has_narrative":true,"complaint_id":"18133947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-18T06:23:07.000Z","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":["As a <em>consumer</em>, I am entitled to a credit report that reflects only information that is complete, accurate, verifiable, and lawfully reported, yet these items continue to remain despite prior efforts to address inaccuracies. I am submitting this CFPB complaint to formally document these concerns and to ensure that my rights under federal law are acknowledged and enforced so the <em>accuracy</em>, fairness, and integrity of my credit <em>file</em> can be <em>restored</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.125294,"18133947"]},{"_index":"complaint-public-v1","_id":"11194113","_score":13.012783,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian and XXXX for its failure to accurately report information on my credit file, specifically regarding my closed XXXX XXXX account. Despite the account being closed and resolved, Experian continues to report it negatively and repeatedly re-ages the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). \n\nThis inaccurate reporting has unfairly harmed my credit score and financial standing. Experian and XXXX failure to maintain accurate and up-to-date information is both misleading and noncompliant with federal law. I have previously disputed this matter with Experian and XXXX, yet they have failed to remove the account. \n\nI am requesting that the CFPB investigate this matter and require Experian and XXXX to completely remove the XXXX XXXX account from my credit report to ensure compliance with the FCRA and restore the accuracy of my credit file. \n\nTo support my complaint, I have included the following documents : 1. A copy of my most recent credit report showing the inaccurate and re-aged reporting of the XXXX XXXX account. \n2. Documentation verifying that the account has been closed and resolved. \n\nI appreciate your assistance in holding Experian and XXXX accountable for its obligations under the law. Please let me know if any further information or documentation is needed to move forward with this complaint. I look forward to a swift resolution. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-12-17T23:32:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76227","tags":null,"has_narrative":true,"complaint_id":"11194113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-17T23:10:23.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB investigate this matter and require Experian and XXXX to completely remove the XXXX XXXX account from my credit report to ensure <em>compliance</em> with the FCRA and <em>restore</em> the <em>accuracy</em> of my credit <em>file</em>. \n\nTo support my complaint, I have included the following documents : 1. A copy of my most recent credit report showing the inaccurate and re-aged reporting of the XXXX XXXX account. \n2. Documentation verifying that the account has been closed and resolved."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.012783,"11194113"]},{"_index":"complaint-public-v1","_id":"8165366","_score":12.984108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding XXXX, XXXX, and Experian Violating Metro 2 Compliance Standards Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, and Experian, collectively referred to as the credit reporting agencies, for their violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). It is my belief that their actions have resulted in inaccuracies and inconsistencies in the reporting of my credit information, adversely impacting my credit reports. \n\nInaccurate and inconsistently reported Accounts Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details of the Violations : 1. **Metro 2 Compliance Standards : ** The credit reporting agencies have failed to comply with Metro 2 standards, leading to inaccuracies and inconsistencies in the reporting of my credit information. These inaccuracies include [ provide specific details of inaccuracies and violations observed ]. \n\n2. **Fair Credit Reporting Act ( FCRA ) : ** The credit reporting agencies have violated the FCRA by reporting inaccurate and inconsistent information. These violations have negatively affected my creditworthiness, causing undue financial hardship. \n\nResolution Sought : I request a thorough investigation into the credit reporting agencies ' compliance with Metro 2 standards and the FCRA. Specifically, I am seeking the following resolution : 1. **Deletion of Inaccurately and Inconsistently Reported Accounts : ** I request the immediate deletion of all inaccurately and inconsistently reported accounts from XXXX XXXX XXXX XXXX and Experian. This action is crucial to rectify the inaccuracies and inconsistencies and to restore the accuracy and fairness of my credit reports. \n\nI appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and fair credit reporting. I trust that your investigation will lead to a resolution that upholds the principles of Metro 2 compliance and the FCRA. \n\nThank you for your prompt attention to this matter. I am enclosing supporting documentation, including copies of my credit reports and any relevant correspondence with the credit reporting agencies. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-01-17T23:19:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19131","tags":null,"has_narrative":true,"complaint_id":"8165366","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-17T23:19:56.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This action is crucial to rectify the inaccuracies and inconsistencies and to <em>restore</em> the <em>accuracy</em> and fairness of my credit reports. \n\nI appreciate the <em>Consumer</em> Financial Protection Bureau 's commitment to <em>consumer</em> protection and fair credit reporting. I trust that your investigation will lead to a resolution that upholds the principles of Metro 2 <em>compliance</em> and the FCRA. \n\nThank you for your prompt attention to this matter."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.984108,"8165366"]},{"_index":"complaint-public-v1","_id":"11194116","_score":12.981863,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX and TransUnion for its failure to accurately report information on my credit file, specifically regarding my closed XXXX XXXX account. Despite the account being closed and resolved, XXXX continues to report it negatively and repeatedly re-ages the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). \n\nThis inaccurate reporting has unfairly harmed my credit score and financial standing. XXXX and TransUnion failure to maintain accurate and up-to-date information is both misleading and noncompliant with federal law. I have previously disputed this matter with XXXX and TransUnion, yet they have failed to remove the account. \n\nI am requesting that the CFPB investigate this matter and require XXXX and TransUnion to completely remove the XXXX XXXX account from my credit report to ensure compliance with the FCRA and restore the accuracy of my credit file. \n\nTo support my complaint, I have included the following documents : 1. A copy of my most recent credit report showing the inaccurate and re-aged reporting of the XXXX XXXX account. \n2. Documentation verifying that the account has been closed and resolved. \n\nI appreciate your assistance in holding XXXX and TransUnion accountable for its obligations under the law. Please let me know if any further information or documentation is needed to move forward with this complaint. I look forward to a swift resolution. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-12-17T23:32:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76227","tags":null,"has_narrative":true,"complaint_id":"11194116","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-17T23:32:25.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB investigate this matter and require XXXX and TransUnion to completely remove the XXXX XXXX account from my credit report to ensure <em>compliance</em> with the FCRA and <em>restore</em> the <em>accuracy</em> of my credit <em>file</em>. \n\nTo support my complaint, I have included the following documents : 1. A copy of my most recent credit report showing the inaccurate and re-aged reporting of the XXXX XXXX account. \n2. Documentation verifying that the account has been closed and resolved."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.981863,"11194116"]},{"_index":"complaint-public-v1","_id":"8165367","_score":12.960545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding XXXX, Equifax, and XXXX Violating Metro 2 Compliance Standards Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, Equifax, and XXXX, collectively referred to as the credit reporting agencies, for their violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). It is my belief that their actions have resulted in inaccuracies and inconsistencies in the reporting of my credit information, adversely impacting my credit reports. \n\nInaccurate and inconsistently reported Accounts Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Violations : 1. **Metro 2 Compliance Standards : ** The credit reporting agencies have failed to comply with Metro 2 standards, leading to inaccuracies and inconsistencies in the reporting of my credit information. These inaccuracies include [ provide specific details of inaccuracies and violations observed ]. \n\n2. **Fair Credit Reporting Act ( FCRA ) : ** The credit reporting agencies have violated the FCRA by reporting inaccurate and inconsistent information. These violations have negatively affected my creditworthiness, causing undue financial hardship. \n\nResolution Sought : I request a thorough investigation into the credit reporting agencies ' compliance with Metro 2 standards and the FCRA. Specifically, I am seeking the following resolution : XXXX. **Deletion of Inaccurately and Inconsistently Reported Accounts : ** I request the immediate deletion of all inaccurately and inconsistently reported accounts from XXXX XXXX Equifax XXXX and XXXX. This action is crucial to rectify the inaccuracies and inconsistencies and to restore the accuracy and fairness of my credit reports. \n\nI appreciate the Consumer Financial Protection Bureau 's commitment to consumer protection and fair credit reporting. I trust that your investigation will lead to a resolution that upholds the principles of Metro 2 compliance and the FCRA. \n\nThank you for your prompt attention to this matter. I am enclosing supporting documentation, including copies of my credit reports and any relevant correspondence with the credit reporting agencies. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-01-17T23:19:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19131","tags":null,"has_narrative":true,"complaint_id":"8165367","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-17T23:19:56.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This action is crucial to rectify the inaccuracies and inconsistencies and to <em>restore</em> the <em>accuracy</em> and fairness of my credit reports. \n\nI appreciate the <em>Consumer</em> Financial Protection Bureau 's commitment to <em>consumer</em> protection and fair credit reporting. 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