{"took":250,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":398,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6894862","_score":15.74826,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau Experian, XXXX XXXX XXXX XXXX By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act","date_sent_to_company":"2023-04-26T18:37:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"12180","tags":null,"has_narrative":true,"complaint_id":"6894862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-26T18:26:58.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau Experian, XXXX XXXX XXXX XXXX By the fair credit reporting act And metro 2 <em>compliance</em> And it <em>standards</em> This <em>account</em> <em>does</em> not <em>reach</em> the requirements to be reported States by your policy department So with the information on this <em>account</em> being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting"]},"sort":[15.74826,"6894862"]},{"_index":"complaint-public-v1","_id":"6892790","_score":15.74826,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau XXXX, XXXX XXXX & Equifax By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act","date_sent_to_company":"2023-04-26T18:37:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"12180","tags":null,"has_narrative":true,"complaint_id":"6892790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-26T18:37:44.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau XXXX, XXXX XXXX & Equifax By the fair credit reporting act And metro 2 <em>compliance</em> And it <em>standards</em> This <em>account</em> <em>does</em> not <em>reach</em> the requirements to be reported States by your policy department So with the information on this <em>account</em> being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting"]},"sort":[15.74826,"6892790"]},{"_index":"complaint-public-v1","_id":"6894953","_score":15.735873,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau XXXX, trans union & XXXX By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act","date_sent_to_company":"2023-04-26T18:37:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"12180","tags":null,"has_narrative":true,"complaint_id":"6894953","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-26T18:37:44.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau XXXX, trans union & XXXX By the fair credit reporting act And metro 2 <em>compliance</em> And it <em>standards</em> This <em>account</em> <em>does</em> not <em>reach</em> the requirements to be reported States by your policy department So with the information on this <em>account</em> being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting"]},"sort":[15.735873,"6894953"]},{"_index":"complaint-public-v1","_id":"11565013","_score":14.706335,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXX Account XXXX Description : Individual Account Status : XXXX Closed Balance Owed : XXXX {$4100.00} Credit Limit : XXXX XXXX Creditor Type : - Banking Date Reported : - XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- XXXX XXXX CollectionOrChargeOff Revolving -- CHARGED OFF ACCOUNT XXXX XXXX -- XXXX -- CollectionOrChargeOff CreditCard Account Rating : XXXX Account Type : XXXX Closed Date : XXXX Creditor Remarks : XXXX Date Opened : XXXX Date of Last Activity : XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX Loan Type : The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! \nhighlighted and circled additional areas of concern. \nAlso, see the image above for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Ive I want to bring to your attention Date Reported ( - ) reporting XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! \nLets examine XXXX XXXX ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nViewing Account Status ( XXXX ) demonstrating Closed. I am reaching out to you because the content of this account does not meet XXXX XXXX Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finan","date_sent_to_company":"2025-01-16T21:02:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92111","tags":null,"has_narrative":true,"complaint_id":"11565013","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-16T21:02:36.000Z","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 am <em>reaching</em> out to you because the content of this <em>account</em> <em>does</em> not meet XXXX XXXX Format requirements. I challenge anyone who uses these reports and their process, including following <em>standard</em> procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these <em>accounts</em>!."]},"sort":[14.706335,"11565013"]},{"_index":"complaint-public-v1","_id":"11569018","_score":14.700167,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXX/XX/XXXXXXXX Account # : Equifax Account Equifax Description : Individual Account Status : XXXX Closed Balance Owed : XXXX {$4100.00} Credit Limit : XXXX XXXX Creditor XXXX XXXX - Banking Date Reported : - XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- XXXX XXXX CollectionOrChargeOff Revolving -- CHARGED OFF ACCOUNT XXXX XXXX -- XXXX -- CollectionOrChargeOff CreditCard Account Rating : XXXX Account Type : XXXX Closed Date : XXXX Creditor Remarks : XXXX Date Opened : XXXX Date of Last Activity : XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX Loan Type : The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! \nhighlighted and circled additional areas of concern. \nAlso, see the image above for XXXXXX/XX/XXXXXXXX ( XXXX ). Ive I want to bring to your attention Date Reported ( - ) reporting XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! \nLets examine XXXX XXXX ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nViewing Account Status ( XXXX ) demonstrating Closed. I am reaching out to you because the content of this account does not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finan","date_sent_to_company":"2025-01-16T21:02:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92111","tags":null,"has_narrative":true,"complaint_id":"11569018","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-16T21:02:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am <em>reaching</em> out to you because the content of this <em>account</em> <em>does</em> not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following <em>standard</em> procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these <em>accounts</em>!."]},"sort":[14.700167,"11569018"]},{"_index":"complaint-public-v1","_id":"11576994","_score":14.683987,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX Account # : XXXX Account XXXX Description : Individual Account Status : XXXX Closed Balance Owed : XXXX {$4100.00} Credit Limit : XXXX XXXX Creditor Type : - Banking Date Reported : - XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- XXXX XXXX CollectionOrChargeOff Revolving -- CHARGED OFF ACCOUNT XXXX XXXX -- XXXX -- CollectionOrChargeOff CreditCard Account Rating : XXXX Account Type : XXXX Closed Date : XXXX Creditor Remarks : XXXX Date Opened : XXXX Date of Last Activity : XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX Loan Type : The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! \nhighlighted and circled additional areas of concern. \nAlso, see the image above for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive I want to bring to your attention Date Reported ( - ) reporting XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! \nLets examine XXXX XXXX ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! \nViewing Account Status ( XXXX ) demonstrating Closed. I am reaching out to you because the content of this account does not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finan","date_sent_to_company":"2025-01-16T21:02:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92111","tags":null,"has_narrative":true,"complaint_id":"11576994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T20:57:15.000Z","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 am <em>reaching</em> out to you because the content of this <em>account</em> <em>does</em> not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following <em>standard</em> procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these <em>accounts</em>!."]},"sort":[14.683987,"11576994"]},{"_index":"complaint-public-v1","_id":"12321842","_score":14.496273,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. \nAll data reported by consumer agencies must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The derogatory claims on my report do not meet legal reporting standards and should be validated with proper evidence. As per FCRA and METRO 2+ compliance requirements, you are responsible for ensuring that all reported information is correct and legally permissible. If these accounts or inquiries can not be fully substantiated, they must be removed immediately to reflect an accurate credit history.","date_sent_to_company":"2025-03-04T12:07:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79928","tags":null,"has_narrative":true,"complaint_id":"12321842","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-04T12:04:25.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The derogatory claims on my report <em>do</em> not meet legal reporting <em>standards</em> and should be validated with proper evidence. As per FCRA and METRO 2+ <em>compliance</em> requirements, you are responsible for ensuring that all reported information is correct and legally permissible. If these <em>accounts</em> or inquiries can not be fully substantiated, they must be removed immediately to reflect an accurate credit history."]},"sort":[14.496273,"12321842"]},{"_index":"complaint-public-v1","_id":"12304967","_score":14.496273,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. \nAll data reported by consumer agencies must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The derogatory claims on my report do not meet legal reporting standards and should be validated with proper evidence. As per FCRA and METRO 2+ compliance requirements, you are responsible for ensuring that all reported information is correct and legally permissible. If these accounts or inquiries can not be fully substantiated, they must be removed immediately to reflect an accurate credit history.","date_sent_to_company":"2025-03-05T04:02:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76708","tags":null,"has_narrative":true,"complaint_id":"12304967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-05T03:59:26.000Z","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":["The derogatory claims on my report <em>do</em> not meet legal reporting <em>standards</em> and should be validated with proper evidence. As per FCRA and METRO 2+ <em>compliance</em> requirements, you are responsible for ensuring that all reported information is correct and legally permissible. If these <em>accounts</em> or inquiries can not be fully substantiated, they must be removed immediately to reflect an accurate credit history."]},"sort":[14.496273,"12304967"]},{"_index":"complaint-public-v1","_id":"12304943","_score":14.492662,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. \nAll data reported by consumer agencies must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The derogatory claims on my report do not meet legal reporting standards and should be validated with proper evidence. As per FCRA and XXXX XXXX compliance requirements, you are responsible for ensuring that all reported information is correct and legally permissible. If these accounts or inquiries can not be fully substantiated, they must be removed immediately to reflect an accurate credit history.","date_sent_to_company":"2025-03-05T03:59:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76708","tags":null,"has_narrative":true,"complaint_id":"12304943","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-05T03:54:11.000Z","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":["The derogatory claims on my report <em>do</em> not meet legal reporting <em>standards</em> and should be validated with proper evidence. As per FCRA and XXXX XXXX <em>compliance</em> requirements, you are responsible for ensuring that all reported information is correct and legally permissible. If these <em>accounts</em> or inquiries can not be fully substantiated, they must be removed immediately to reflect an accurate credit history."]},"sort":[14.492662,"12304943"]},{"_index":"complaint-public-v1","_id":"12321916","_score":14.485455,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. \nAll data reported by consumer agencies must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The derogatory claims on my report do not meet legal reporting standards and should be validated with proper evidence. As per FCRA and METRO 2+ compliance requirements, you are responsible for ensuring that all reported information is correct and legally permissible. If these accounts or inquiries can not be fully substantiated, they must be removed immediately to reflect an accurate credit history.","date_sent_to_company":"2025-03-04T12:04:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79928","tags":null,"has_narrative":true,"complaint_id":"12321916","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-04T11:57:11.000Z","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":["The derogatory claims on my report <em>do</em> not meet legal reporting <em>standards</em> and should be validated with proper evidence. As per FCRA and METRO 2+ <em>compliance</em> requirements, you are responsible for ensuring that all reported information is correct and legally permissible. If these <em>accounts</em> or inquiries can not be fully substantiated, they must be removed immediately to reflect an accurate credit history."]},"sort":[14.485455,"12321916"]},{"_index":"complaint-public-v1","_id":"12320318","_score":14.485455,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. \nAll data reported by consumer agencies must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The derogatory claims on my report do not meet legal reporting standards and should be validated with proper evidence. As per FCRA and METRO 2+ compliance requirements, you are responsible for ensuring that all reported information is correct and legally permissible. If these accounts or inquiries can not be fully substantiated, they must be removed immediately to reflect an accurate credit history.","date_sent_to_company":"2025-03-04T12:10:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79928","tags":null,"has_narrative":true,"complaint_id":"12320318","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-04T12:07:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The derogatory claims on my report <em>do</em> not meet legal reporting <em>standards</em> and should be validated with proper evidence. As per FCRA and METRO 2+ <em>compliance</em> requirements, you are responsible for ensuring that all reported information is correct and legally permissible. If these <em>accounts</em> or inquiries can not be fully substantiated, they must be removed immediately to reflect an accurate credit history."]},"sort":[14.485455,"12320318"]},{"_index":"complaint-public-v1","_id":"10912967","_score":14.080585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been disputing this information for a long time. I reached out to XXXX and they said they have no knowledge. I reached out to the court that is on the credit file and they said they have no knowledge of any cases with my name or maiden name. They also stated they do not report any information to anyone. \n\n\nTo whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and Equifax, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting!\n\nYou are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2. \nReporting Requisites per the XXXX   as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. \nImmediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO reporting standards. \nDate Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum \" possible accuracy and a maximum \" possible '' completeness, which extends Ito the reporting mandates that there be no deviation from METRO Format compliance since, per the XXXX, XXXX XXXX \" Any deviation from these standards jeopardizes the integrity of the data ''. \nUnfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal laws.","date_sent_to_company":"2024-11-24T17:03:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"10912967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-24T17:03:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and <em>compliance</em> with all METRO reporting <em>standards</em>."]},"sort":[14.080585,"10912967"]},{"_index":"complaint-public-v1","_id":"10906421","_score":14.080585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been disputing this information for a long time. I reached out to XXXX and they said they have no knowledge. I reached out to the court that is on the credit file and they said they have no knowledge of any cases with my name or maiden name. They also stated they do not report any information to anyone. \n\n\nTo whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, Experian and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! \nYou are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2. \nReporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. \nImmediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO reporting standards. \nDate Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum \" possible accuracy and a maximum \" possible '' completeness, which extends Ito the reporting mandates that there be no deviation from METRO Format compliance since, per the XXXX, XXXX XXXX \" Any deviation from these standards jeopardizes the integrity of the data ''. \nUnfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal laws.","date_sent_to_company":"2024-11-24T17:02:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"10906421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-24T16:29:48.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and <em>compliance</em> with all METRO reporting <em>standards</em>."]},"sort":[14.080585,"10906421"]},{"_index":"complaint-public-v1","_id":"10549469","_score":14.069904,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MAILED ATTACHED LETTERS OUT ON XX/XX/year>, PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : 30 : 1 60 : 1 90 : 0, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. \nTherefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.","date_sent_to_company":"2024-10-23T18:13:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89107","tags":null,"has_narrative":true,"complaint_id":"10549469","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-23T18:05:02.000Z","state":"NV","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 must express my astonishment at the deviations from mandatory regulations and <em>compliance</em> guidelines pertaining to this <em>account</em>. It is evident that an error has occurred, and I kindly request the immediate removal of all <em>account</em> to rectify the situation and prevent further repercussions."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[14.069904,"10549469"]},{"_index":"complaint-public-v1","_id":"10549357","_score":14.069904,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MAILED ATTACHED LETTERS OUT ON XX/XX/year>, PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : 30 : 1 60 : 1 90 : 0, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes.\n\nTherefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.","date_sent_to_company":"2024-10-23T18:19:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89107","tags":null,"has_narrative":true,"complaint_id":"10549357","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-23T18:14:48.000Z","state":"NV","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I must express my astonishment at the deviations from mandatory regulations and <em>compliance</em> guidelines pertaining to this <em>account</em>. It is evident that an error has occurred, and I kindly request the immediate removal of all <em>account</em> to rectify the situation and prevent further repercussions."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[14.069904,"10549357"]},{"_index":"complaint-public-v1","_id":"10547467","_score":14.064928,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MAILED ATTACHED LETTERS OUT ON XX/XX/year> PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. \n\nI kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. \nIt is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. \nI would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : 30 : 1 60 : 1 90 : 0, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.","date_sent_to_company":"2024-10-23T17:53:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89107","tags":null,"has_narrative":true,"complaint_id":"10547467","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-23T16:50:01.000Z","state":"NV","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 must express my astonishment at the deviations from mandatory regulations and <em>compliance</em> guidelines pertaining to this <em>account</em>. It is evident that an error has occurred, and I kindly request the immediate removal of all <em>account</em> to rectify the situation and prevent further repercussions."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[14.064928,"10547467"]},{"_index":"complaint-public-v1","_id":"10549707","_score":14.0648,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MAILED ATTACHED LETTERS OUT ON XX/XX/year> PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. \n\nI kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. \nIt is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. \nI would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there XXXX exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.","date_sent_to_company":"2024-10-23T17:54:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89107","tags":null,"has_narrative":true,"complaint_id":"10549707","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-23T17:53:54.000Z","state":"NV","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I must express my astonishment at the deviations from mandatory regulations and <em>compliance</em> guidelines pertaining to this <em>account</em>. It is evident that an error has occurred, and I kindly request the immediate removal of all <em>account</em> to rectify the situation and prevent further repercussions."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[14.0648,"10549707"]},{"_index":"complaint-public-v1","_id":"10549704","_score":14.0648,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MAILED ATTACHED LETTERS OUT ON XX/XX/year> PERIODIC BILING STATEMENT REQUIRED UNDER 1666b - Please investigate and verify that this is mine? Please verify that this is reporting accurately. \n\nI kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. \nIt is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. \nI would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there XXXX exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.","date_sent_to_company":"2024-10-23T17:54:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89107","tags":null,"has_narrative":true,"complaint_id":"10549704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-23T17:53:54.000Z","state":"NV","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 must express my astonishment at the deviations from mandatory regulations and <em>compliance</em> guidelines pertaining to this <em>account</em>. It is evident that an error has occurred, and I kindly request the immediate removal of all <em>account</em> to rectify the situation and prevent further repercussions."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[14.0648,"10549704"]},{"_index":"complaint-public-v1","_id":"10914460","_score":14.055497,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been disputing this information for a long time. I reached out to XXXX and they said they have no knowledge. I reached out to the court that is on the credit file and they said they have no knowledge of any cases with my name or maiden name. They also stated they do not report any information to anyone.\n\nTo whom it may concern : I am writing you with this formal objection of information published and provided by you to Transunion, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! \nYou are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2. \nReporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record.\n\nImmediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO reporting standards. \nDate Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum \" possible accuracy and a maximum \" possible '' completeness, which extends Ito the reporting mandates that there be no deviation from METRO Format compliance since, per the XXXX, XXXX XXXX \" Any deviation from these standards jeopardizes the integrity of the data ''. \nUnfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal laws.","date_sent_to_company":"2024-11-24T17:03:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"10914460","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-24T17:03:05.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and <em>compliance</em> with all METRO reporting <em>standards</em>."]},"sort":[14.055497,"10914460"]},{"_index":"complaint-public-v1","_id":"10550835","_score":14.049199,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MAILED ATTACHED LETTERS OUT ON XX/XX/year> PERIODIC BILING STATEMENT REQUIRED UNDER XXXX - Please investigate and verify that this is mine? Please verify that this is reporting accurately. I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. \nTherefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.","date_sent_to_company":"2024-10-23T18:04:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89107","tags":null,"has_narrative":true,"complaint_id":"10550835","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-23T17:56:58.000Z","state":"NV","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 must express my astonishment at the deviations from mandatory regulations and <em>compliance</em> guidelines pertaining to this <em>account</em>. It is evident that an error has occurred, and I kindly request the immediate removal of all <em>account</em> to rectify the situation and prevent further repercussions."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[14.049199,"10550835"]},{"_index":"complaint-public-v1","_id":"8725360","_score":14.0385,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Also, see the image above for CITICARDS CBNA ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \nViewing Dispute Status ( XXXX ) demonstrating N. I am reaching out to you because the content of this account does not meet XXXX XXXX XXXX requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finances. Please fix this account immediately! \nWhen I scrutinized Payment Status ( XXXX ) presenting CollectionOrChargeOff This account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! \nViewing Credit Limit ( XXXX ) demonstrating XXXX. The content of this account does not meet XXXX XXXX requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with XXXX XXXX requirements or else I will have my ability to finance questioned. This account needs fixing immediately! \n\nattach you will see document","date_sent_to_company":"2024-04-08T19:04:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33178","tags":null,"has_narrative":true,"complaint_id":"8725360","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-04-08T18:59:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am <em>reaching</em> out to you because the content of this <em>account</em> <em>does</em> not meet XXXX XXXX XXXX requirements. I challenge anyone who uses these reports and their process, including following <em>standard</em> procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these <em>accounts</em>!."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[14.0385,"8725360"]},{"_index":"complaint-public-v1","_id":"2436076","_score":13.872343,"_source":{"product":"Consumer Loan","complaint_what_happened":"I borrowed {$9800.00} fro m Avant  and it turns out the interest rate is predatory at 33.95 %. I called to ask for an interest rate reduction. I was given the standard \" you agreed to the terms '' speech, but as I remember, it came in pieces and I did not see the entire contract until the transaction was completed and the money had been deposited into my account. My complaint was escalated to the compliance department which can only be reached by email so do not have any faith my interest rate will be lowered or that I will be contacted in the stated 20-day time frame.     My credit rating is fair and I did expect an elevated interest rate but this is usury. I would like to warn anyone with a fa ir credit score co nsidering using Avant for a loan to ask what the interest rate will be because I do n't remember getting the contract before the money was deposited into my account.","date_sent_to_company":"2017-05-01T16:29:09.000Z","issue":"Taking out the loan or lease","sub_product":"Installment loan","zip_code":"48174","tags":"Older American","has_narrative":true,"complaint_id":"2436076","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Avant Credit Corporation","date_received":"2017-04-14T19:54:43.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was given the <em>standard</em> \" you agreed to the terms '' speech, but as I remember, it came in pieces and I did not see the entire contract until the transaction was completed and the money had been deposited into my <em>account</em>. My complaint was escalated to the <em>compliance</em> department which can only be <em>reached</em> by email so <em>do</em> not have any faith my interest rate will be lowered or that I will be contacted in the stated 20-day time frame."]},"sort":[13.872343,"2436076"]},{"_index":"complaint-public-v1","_id":"15391022","_score":13.418493,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Late Payments Metro 2 Compliance Dear XXXX Credit Reporting Department , I am writing to formally request the removal of late payments reported on my [ Auto Loan Part Number : XXXX. ], which has been paid in full. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 reporting standards, and applicable case law that reinforces the importance of accurate and fair credit reporting. \n\nUpon reviewing my TransUnion/XXXX  credit reports, I have identified late payments that may not be in compliance with Metro 2 reporting guidelines and FCRA standards . Therefore, I respectfully request a compliance verification review. If these late payments fail to meet the accurate, complete, and timely data reporting obligations as outlined by the XXXX and federal law, I request their immediate removal from all credit bureaus. \n\nRelevant Legal Precedents and Compliance Standards 1. Fair Credit Reporting Act ( FCRA ) Violations & Consequences FCRA 1681s-2 ( a ) Data furnishers must ensure maximum possible accuracy when reporting consumer information. \nFCRA 1681s-2 ( b ) Requires furnishers to conduct a reasonable investigation when a dispute is raised. Failure to correct inaccurate or unverifiable information constitutes noncompliance. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Metro 2 Standards The XXXX Metro 2 Format mandates that furnishers provide data that is accurate, complete, and timely. \nNoncompliance with Metro 2 standards could result in the misreporting of account status, which may violate FCRA guidelines on accuracy and fairness. \n\nRelevant Case Law Supporting My Request XXXX. XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Establishes that credit reporting agencies and furnishers must conduct reasonable investigations when disputes arise. If Metro 2 compliance is not met, the account information should be removed or corrected. \nXXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces that credit furnishers must provide accurate and complete data. Inaccurate or misleading reporting is a violation of FCRA obligations. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXXXXXX XXXX XXXX  ) Found that credit reporting agencies must correct or remove incorrect negative marks when they do not adhere to FCRA standards of accuracy. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Demonstrates that failure to update and maintain accurate consumer reports can lead to damages and legal liability for the furnisher. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Confirms that consumers have the right to challenge the accuracy of reported information, and furnishers must correct errors or risk legal consequences. \n\n\nI appreciate your prompt attention to this matter. Please direct all correspondence to my mailing address provided above. If further documentation is needed, feel free to reach out. \n\nSincerely, XXXX","date_sent_to_company":"2025-08-19T16:51:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78109","tags":null,"has_narrative":true,"complaint_id":"15391022","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-19T16:51:32.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["If further documentation is needed, feel free to <em>reach</em> out. \n\nSincerely, XXXX"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[13.418493,"15391022"]},{"_index":"complaint-public-v1","_id":"15377181","_score":13.418493,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Removal of Late Payments Metro 2 Compliance Dear XXXX Credit Reporting Department , I am writing to formally request the removal of late payments reported on my [ Auto Loan Part Number : XXXX. ], which has been paid in full. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 reporting standards, and applicable case law that reinforces the importance of accurate and fair credit reporting. \n\nUpon reviewing my XXXX credit reports, I have identified late payments that may not be in compliance with Metro 2 reporting guidelines and FCRA standards . Therefore, I respectfully request a compliance verification review. If these late payments fail to meet the accurate, complete, and timely data reporting obligations as outlined by the XXXX and federal law, I request their immediate removal from all credit bureaus. \n\nRelevant Legal Precedents and Compliance Standards 1. Fair Credit Reporting Act ( FCRA ) Violations & Consequences FCRA 1681s-2 ( a ) Data furnishers must ensure maximum possible accuracy when reporting consumer information. \nFCRA 1681s-2 ( b ) Requires furnishers to conduct a reasonable investigation when a dispute is raised. Failure to correct inaccurate or unverifiable information constitutes noncompliance. \n\n2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Metro 2 Standards The XXXX Metro 2 Format mandates that furnishers provide data that is accurate, complete, and timely. \nNoncompliance with Metro 2 standards could result in the misreporting of account status, which may violate FCRA guidelines on accuracy and fairness. \n\nRelevant Case Law Supporting My Request XXXX. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Establishes that credit reporting agencies and furnishers must conduct reasonable investigations when disputes arise. If Metro 2 compliance is not met, the account information should be removed or corrected. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces that credit furnishers must provide accurate and complete data. Inaccurate or misleading reporting is a violation of FCRA obligations. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX. XXXX. XXXX ) Found that credit reporting agencies must correct or remove incorrect negative marks when they do not adhere to FCRA standards of accuracy. \nXXXX. XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Demonstrates that failure to update and maintain accurate consumer reports can lead to damages and legal liability for the furnisher. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Confirms that consumers have the right to challenge the accuracy of reported information, and furnishers must correct errors or risk legal consequences. \n\n\nI appreciate your prompt attention to this matter. Please direct all correspondence to my mailing address provided above. If further documentation is needed, feel free to reach out. \n\nSincerely, XXXX","date_sent_to_company":"2025-08-19T16:51:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78109","tags":null,"has_narrative":true,"complaint_id":"15377181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-19T16:51:32.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["If further documentation is needed, feel free to <em>reach</em> out. \n\nSincerely, XXXX"],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[13.418493,"15377181"]},{"_index":"complaint-public-v1","_id":"11421123","_score":13.408686,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Creditor Information : Name : XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Account Details : Creditor Name : ATLCAPBKSELF Balance : {$0.00} Highest Balance : {$520.00} Account Type : Secured Loan Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Current Payment Status : Current Worst Payment Status : XXXX Days Late Remarks : Closed Payment History : XXXX XXXX of payments made on time ; includes late payments ( XX/XX/XXXX days ) Issue : I am disputing the reporting of the above-referenced account on my credit report due to potential inaccuracies and non-compliance with both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards XXXX Additionally, if this account was subject to debt collection or communication about the debt, I believe it may conflict with the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692c. \n\nSpecific Issues with the Account Reporting : 1. Inconsistent Remarks and Payment Status : The account is marked as Closed with a {$0.00} balance, yet it also shows Current payment status and late payment records. These inconsistencies are confusing and may indicate improper reporting. \nXXXX XXXX compliance standards require account status, remarks, and payment history to be accurate and consistent, but this reporting does not align with the standards. \n2. Incomplete Payment History : The payment history table does not provide transparency for monthly reporting and fails to accurately reflect how the 64 % on-time payment figure was calculated. \nXXXX XXXX standards mandate accurate and detailed payment reporting for all months. \n3. Potential Violations of 15 USC 1692c : If this account was subject to collection efforts or communication by ATLCAPBKSELF or a third party, such communications must comply with 15 USC 1692c. Any failure to notify me of transfer, validate the debt, or adhere to lawful communication practices would call into question the legitimacy of the reporting. \n4. Potential FCRA Violations : The FCRA requires all information on credit reports to be accurate, verifiable, and up-to-date. The conflicting payment status, incomplete payment history, and unclear remarks suggest that this account may not meet these requirements. \n\nRequested Resolution : To resolve this issue fairly, I request the following actions : 1. Conduct a Thorough Investigation of the Account : Verify the accuracy of all account details, including payment history, account status, and remarks, ensuring compliance with XXXX XXXX standards. \n2. Provide Validation of the Account Details : Provide documentation to validate the accuracy of the account, including : A breakdown of payment history with specific dates of late payments. \nConfirmation of the accounts status ( e.g., Current or Closed ) and why both are reflected simultaneously. \nEvidence that the information reported is accurate, complete, and verifiable. \n3. Correct or Remove Inaccurate Information : If the account can not be validated or errors are found, I request immediate correction or removal of this account from all major credit bureaus ( XXXX, XXXX, XXXX ). \n4. Provide Written Confirmation of Resolution : Provide a written response detailing the results of your investigation and any actions taken to correct or remove the disputed information. \n5. Cease Further Communication if Unverifiable : If the account can not be validated, I request that XXXX and any third-party collectors cease all collection activity and ensure the account is no longer reported on my credit file, in compliance with 15 USC 1692c . \n\nLegal Basis for My Dispute : Fair Credit Reporting Act ( FCRA ) : Requires all information on credit reports to be accurate, complete, and verifiable. \nXXXX XXXX Compliance Standards : Mandate consistency and accuracy in the reporting of account status, payment history, and remarks. \nFair Debt Collection Practices Act ( FDCPA ) : Protects consumers from improper communication and reporting of debts by creditors and collectors. \n\nThank you for your attention to this matter. I look forward to a resolution in compliance with federal law. If additional information is needed, I can be reached at XXXX or XXXX. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-08T05:45:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"245XX","tags":null,"has_narrative":true,"complaint_id":"11421123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-01-08T05:29:13.000Z","state":"VA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Specific Issues with the <em>Account</em> Reporting : 1. Inconsistent Remarks and Payment Status : The <em>account</em> is marked as Closed with a {$0.00} balance, yet it also shows Current payment status and late payment records. 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