{"took":3146,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1655,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8563055","_score":17.081768,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, DC XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Dear Experian, I am writing to dispute the compliance standards upheld by your bureau in relation to my credit report. Upon reviewing the information provided, I have identified discrepancies that I believe do not align with the established compliance protocols. \n\n15 U.S Code 1681 ( b ) Reasonable procedures states It is required that a consumer reporting agency adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. \n\nI understand the importance of accurate reporting and adherence to compliance standards in maintaining the integrity of credit reports : this is in accordance with Consumer Report and Information Sharing ( FCRA, Section 603 ( d ). However, the discrepancies in my report have negatively impacted my financial standing and may have far-reaching consequences. \n\nI request a thorough investigation into these discrepancies and urge your bureau to rectify any inaccuracies promptly. Additionally, I would appreciate clear communication regarding the steps taken to address these issues and ensure compliance with established standards. \n\nPlease provide me with a detailed explanation of the investigation process and the outcomes thereof. Furthermore, I would like to receive a corrected copy of my credit report reflecting the accurate information as soon as possible. \n\nI trust that your bureau will handle this matter with the urgency and attention it deserves. Thank you for your prompt attention to this dispute. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-03-17T16:03:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20020","tags":null,"has_narrative":true,"complaint_id":"8563055","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-17T15:53:12.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, DC XXXX XXXX ( XXXX ) XXXX XX/XX/2024 <em>Dear</em> Experian, I am writing to dispute the <em>compliance</em> <em>standards</em> upheld by your <em>bureau</em> in relation to my <em>credit</em> report."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[17.081768,"8563055"]},{"_index":"complaint-public-v1","_id":"12731760","_score":16.826805,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX2025 Subject : Dispute of Inaccurate Account Balance Request for Removal Under 15 U.S.C. 1681 and Metro 2 Compliance Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the inaccurate reporting of my account balance on my credit report as provided by TransUnion, Experian, and Equifax. I have identified a discrepancy in the account balance across these bureaus that must be removed : Below are the inaccurate balances for Acct : XXXX XXXX XXXX Experian and Equifax report my balance as {$22000.00}.\n\nTransUnion reports my balance as {$22000.00}.\n\nUnder 15 U.S.C. 1681 ( the Fair Credit Reporting Act ), I am requesting that this error be corrected, as the reported information is inaccurate and does not meet the accuracy standard set by the law. Further, the Metro 2 guidelines, which are the industry standard for credit reporting, also require accurate and consistent information across all credit bureaus. Since the balance is reported differently, it violates these guidelines.\n\nGiven the nature of the discrepancy, I request that the inaccurate information be removed across all three credit bureaus to ensure compliance with the FCRA and Metro 2 standards. Please confirm the correction of this error and notify me of the resolution.\n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX DOB : XX/XX/XXXX SSN : XXXX","date_sent_to_company":"2025-03-30T19:39:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02860","tags":null,"has_narrative":true,"complaint_id":"12731760","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-30T19:26:31.000Z","state":"RI","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":["Further, the Metro 2 guidelines, which are the industry <em>standard</em> for <em>credit</em> reporting, also require accurate and consistent information across all <em>credit</em> <em>bureaus</em>. Since the balance is reported differently, it violates these guidelines.\n\nGiven the nature of the discrepancy, I request that the inaccurate information be removed across all three <em>credit</em> <em>bureaus</em> to ensure <em>compliance</em> with the FCRA and Metro 2 <em>standards</em>. Please confirm the correction of this error and notify me of the resolution."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.826805,"12731760"]},{"_index":"complaint-public-v1","_id":"12731368","_score":16.826805,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX2025 Subject : Dispute of Inaccurate Account Balance Request for Removal Under 15 U.S.C. 1681 and Metro 2 Compliance Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the inaccurate reporting of my account balance on my credit report as provided by TransUnion, Experian, and Equifax. I have identified a discrepancy in the account balance across these bureaus that must be removed : Below are the inaccurate balances for Acct : XXXX XXXX XXXX Experian and Equifax report my balance as {$22000.00}.\n\nTransUnion reports my balance as {$22000.00}.\n\nUnder 15 U.S.C. 1681 ( the Fair Credit Reporting Act ), I am requesting that this error be corrected, as the reported information is inaccurate and does not meet the accuracy standard set by the law. Further, the Metro 2 guidelines, which are the industry standard for credit reporting, also require accurate and consistent information across all credit bureaus. Since the balance is reported differently, it violates these guidelines.\n\nGiven the nature of the discrepancy, I request that the inaccurate information be removed across all three credit bureaus to ensure compliance with the FCRA and Metro 2 standards. Please confirm the correction of this error and notify me of the resolution.\n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX DOB : XX/XX/XXXX SSN : XXXX","date_sent_to_company":"2025-03-30T19:39:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02860","tags":null,"has_narrative":true,"complaint_id":"12731368","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-30T19:39:03.000Z","state":"RI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Further, the Metro 2 guidelines, which are the industry <em>standard</em> for <em>credit</em> reporting, also require accurate and consistent information across all <em>credit</em> <em>bureaus</em>. Since the balance is reported differently, it violates these guidelines.\n\nGiven the nature of the discrepancy, I request that the inaccurate information be removed across all three <em>credit</em> <em>bureaus</em> to ensure <em>compliance</em> with the FCRA and Metro 2 <em>standards</em>. Please confirm the correction of this error and notify me of the resolution."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.826805,"12731368"]},{"_index":"complaint-public-v1","_id":"12731857","_score":16.814222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX2025 Subject : Dispute of Inaccurate Account Balance Request for Removal Under 15 U.S.C. 1681 and Metro 2 Compliance Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the inaccurate reporting of my account balance on my credit report as provided by TransUnion, Experian, and Equifax. I have identified a discrepancy in the account balance across these bureaus that must be removed : Below are the inaccurate balances for Acct : XXXX XXXX XXXX Experian and Equifax report my balance as {$22000.00}.\n\nTransUnion reports my balance as {$22000.00}.\n\nUnder 15 U.S.C. 1681 ( the Fair Credit Reporting Act ), I am requesting that this error be corrected, as the reported information is inaccurate and does not meet the accuracy standard set by the law. Further, the Metro 2 guidelines, which are the industry standard for credit reporting, also require accurate and consistent information across all credit bureaus. Since the balance is reported differently, it violates these guidelines.\n\nGiven the nature of the discrepancy, I request that the inaccurate information be removed across all three credit bureaus to ensure compliance with the FCRA and Metro 2 standards. Please confirm the correction of this error and notify me of the resolution.\n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX DOB : XX/XX/XXXX SSN : XXXX","date_sent_to_company":"2025-03-30T19:39:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02860","tags":null,"has_narrative":true,"complaint_id":"12731857","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-30T19:39:03.000Z","state":"RI","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":["Further, the Metro 2 guidelines, which are the industry <em>standard</em> for <em>credit</em> reporting, also require accurate and consistent information across all <em>credit</em> <em>bureaus</em>. Since the balance is reported differently, it violates these guidelines.\n\nGiven the nature of the discrepancy, I request that the inaccurate information be removed across all three <em>credit</em> <em>bureaus</em> to ensure <em>compliance</em> with the FCRA and Metro 2 <em>standards</em>. Please confirm the correction of this error and notify me of the resolution."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.814222,"12731857"]},{"_index":"complaint-public-v1","_id":"8165366","_score":16.294117,"_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":["Subject : Complaint Regarding XXXX, XXXX, and Experian Violating Metro 2 <em>Compliance</em> <em>Standards</em> <em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing to file a formal complaint against XXXX, XXXX, and Experian, collectively referred to as the <em>credit</em> reporting agencies, for their violation of Metro 2 <em>compliance</em> <em>standards</em> and the Fair <em>Credit</em> Reporting Act ( FCRA )."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.294117,"8165366"]},{"_index":"complaint-public-v1","_id":"8164631","_score":16.286013,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding TransUnion, XXXX, and XXXX Violating Metro 2 Compliance Standards Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, XXXX, 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 XXXXXXXX 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 : XXXX. XXXXMetro 2 Compliance Standards : XXXX 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\nXXXX. XXXXFair Credit Reporting Act ( FCRA ) : XXXX 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. XXXXDeletion of Inaccurately and Inconsistently Reported Accounts XXXX XXXX I request the immediate deletion of all inaccurately and inconsistently reported accounts from TransUnion XXXX XXXX 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":"2024-01-17T23:19:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19131","tags":null,"has_narrative":true,"complaint_id":"8164631","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-17T23:15:08.000Z","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":["Subject : Complaint Regarding TransUnion, XXXX, and XXXX Violating Metro 2 <em>Compliance</em> <em>Standards</em> <em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing to file a formal complaint against TransUnion, XXXX, and XXXX, collectively referred to as the <em>credit</em> reporting agencies, for their violation of Metro 2 <em>compliance</em> <em>standards</em> and the Fair <em>Credit</em> Reporting Act ( FCRA )."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.286013,"8164631"]},{"_index":"complaint-public-v1","_id":"8165367","_score":16.280008,"_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":["Subject : Complaint Regarding XXXX, Equifax, and XXXX Violating Metro 2 <em>Compliance</em> <em>Standards</em> <em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing to file a formal complaint against XXXX, Equifax, and XXXX, collectively referred to as the <em>credit</em> reporting agencies, for their violation of Metro 2 <em>compliance</em> <em>standards</em> and the Fair <em>Credit</em> Reporting Act ( FCRA )."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.280008,"8165367"]},{"_index":"complaint-public-v1","_id":"11759036","_score":16.279154,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Full Compliance Sweep of Non-Compliant Debt Collectors Dear Experian Dispute Department, I am writing to formally request a review and compliance audit of all accounts reported on my credit file to ensure full adherence to Metro 2 standards. As you are aware, Metro 2 compliance is crucial for ensuring that all information reported to the credit bureaus is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ).\n\nSpecifically, I am requesting a full sweep of all reported accounts to verify that the following standards are met for each tradeline : 1. Accuracy : All reported information, including account balances, payment history, status, and dates, must be accurate and verifiable.\n\n2. Validation of Accounts : All debt collectors reporting accounts to my file must provide full validation of the debts, including proper documentation to substantiate the claims.\n\n3. Compliance with the FCRA : Any account that fails to meet FCRA requirements or Metro 2 standards should be removed from my credit file immediately.\n\nI believe some of the accounts reported by debt collectors may not meet these standards. In particular, please ensure that : All accounts have accurate and updated information.\n\nAccounts are reported in the correct status, including any that may be beyond the statute of limitations.\n\nAny unverifiable accounts are promptly removed.\n\nPlease provide me with a detailed summary of the actions taken, including confirmation of compliance for all accounts and notification of any deletions or corrections made.\n\nI trust that Experian will handle this request promptly and in accordance with its legal obligations. Thank you for your attention to this matter. Please contact me directly should you require additional information. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-24T18:15:28.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"46322","tags":null,"has_narrative":true,"complaint_id":"11759036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-24T17:55:47.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Full <em>Compliance</em> Sweep of Non-Compliant Debt Collectors <em>Dear</em> Experian Dispute Department, I am writing to formally request a review and <em>compliance</em> audit of all accounts reported on my <em>credit</em> file to ensure full adherence to Metro 2 <em>standards</em>."]},"sort":[16.279154,"11759036"]},{"_index":"complaint-public-v1","_id":"9158583","_score":16.074203,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for inaccurately reporting information on my credit report, which violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. \n\nAccount XXXX : XXXX Creditor : XXXX XXXX The payment history for this account incorrectly shows a XXXX late payment in XX/XX/XXXX and subsequent charge-offs in XXXX and XXXX. This is inaccurate, as the account was closed by the creditor in XX/XX/XXXX. According to XXXX XXXX compliance standards, no late payments should be reported after the closure date. Specifically, the reported late payments and charge-offs after XX/XX/XXXX are erroneous. \n\nThe first date of delinquency does not match the timeline of subsequent late payments. \nThere is a XXXX late payment inaccurately reported for XX/XX/XXXX. \nThe creditor closed the account in XX/XX/XXXX, and no late payments should be reflected post-closure. \nThese inaccuracies have adversely affected my credit score and financial reputation. Despite my attempts to resolve this directly with Experian, the errors persist.","date_sent_to_company":"2024-06-04T05:04:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07202","tags":null,"has_narrative":true,"complaint_id":"9158583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-04T04:53:05.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing to file a formal complaint against Experian for inaccurately reporting information on my <em>credit</em> report, which violates the Fair <em>Credit</em> Reporting Act ( FCRA ) and XXXX XXXX <em>compliance</em> <em>standards</em>. \n\nAccount XXXX : XXXX Creditor : XXXX XXXX The payment history for this account incorrectly shows a XXXX late payment in XX/XX/XXXX and subsequent charge-offs in XXXX and XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.074203,"9158583"]},{"_index":"complaint-public-v1","_id":"11757090","_score":15.957403,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Full Compliance Sweep of Non-Compliant Debt Collectors DearXX/XX/XXXXDispute Department, I am writing to formally request a review and compliance audit of all accounts reported on my credit file to ensure full adherence to Metro 2 standards. As you are aware, Metro 2 compliance is crucial for ensuring that all information reported to the credit bureaus is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ).\n\nSpecifically, I am requesting a full sweep of all reported accounts to verify that the following standards are met for each tradeline : 1. Accuracy : All reported information, including account balances, payment history, status, and dates, must be accurate and verifiable.\n\n2. Validation of Accounts : All debt collectors reporting accounts to my file must provide full validation of the debts, including proper documentation to substantiate the claims.\n\n3. Compliance with the FCRA : Any account that fails to meet FCRA requirements or Metro 2 standards should be removed from my credit file immediately.\n\nI believe some of the accounts reported by debt collectors may not meet these standards. In particular, please ensure that : All accounts have accurate and updated information.\n\nAccounts are reported in the correct status, including any that may be beyond the statute of limitations.\n\nAny unverifiable accounts are promptly removed.\n\nPlease provide me with a detailed summary of the actions taken, including confirmation of compliance for all accounts and notification of any deletions or corrections made. \n\nI trust that XXXX will handle this request promptly and in accordance with its legal obligations. Thank you for your attention to this matter. Please contact me directly should you require additional information. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-24T18:15:40.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"46322","tags":null,"has_narrative":true,"complaint_id":"11757090","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2025-01-24T18:15:38.000Z","state":"IN","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Full <em>Compliance</em> Sweep of Non-Compliant Debt Collectors <em>Dear</em>XX/XX/XXXXDispute Department, I am writing to formally request a review and <em>compliance</em> audit of all accounts reported on my <em>credit</em> file to ensure full adherence to Metro 2 <em>standards</em>."]},"sort":[15.957403,"11757090"]},{"_index":"complaint-public-v1","_id":"11755905","_score":15.948636,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>/2025 Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Full Compliance Sweep of Non-Compliant Debt Collectors Dear Experian Dispute Department, I am writing to formally request a review and compliance audit of all accounts reported on my credit file to ensure full adherence to Metro 2 standards. As you are aware, Metro 2 compliance is crucial for ensuring that all information reported to the credit bureaus is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ).\n\nSpecifically, I am requesting a full sweep of all reported accounts to verify that the following standards are met for each tradeline : 1. Accuracy : All reported information, including account balances, payment history, status, and dates, must be accurate and verifiable.\n\n2. Validation of Accounts : All debt collectors reporting accounts to my file must provide full validation of the debts, including proper documentation to substantiate the claims.\n\n3. Compliance with the FCRA : Any account that fails to meet FCRA requirements or Metro 2 standards should be removed from my credit file immediately.\n\nI believe some of the accounts reported by debt collectors may not meet these standards. In particular, please ensure that : All accounts have accurate and updated information.\n\nAccounts are reported in the correct status, including any that may be beyond the statute of limitations.\n\nAny unverifiable accounts are promptly removed.\n\nPlease provide me with a detailed summary of the actions taken, including confirmation of compliance for all accounts and notification of any deletions or corrections made.\n\nI trust that Experian will handle this request promptly and in accordance with its legal obligations. Thank you for your attention to this matter. Please contact me directly should you require additional information. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-24T18:32:51.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"46410","tags":null,"has_narrative":true,"complaint_id":"11755905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-24T18:18:49.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>/2025 Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Full <em>Compliance</em> Sweep of Non-Compliant Debt Collectors <em>Dear</em> Experian Dispute Department, I am writing to formally request a review and <em>compliance</em> audit of all accounts reported on my <em>credit</em> file to ensure full adherence to Metro 2 <em>standards</em>."]},"sort":[15.948636,"11755905"]},{"_index":"complaint-public-v1","_id":"11757704","_score":15.93692,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Full Compliance Sweep of Non-Compliant Debt XXXX Dear Experian Dispute Department, I am writing to formally request a review and compliance audit of all accounts reported on my credit file to ensure full adherence to XXXX XXXX standards. As you are aware, XXXX XXXX compliance is crucial for ensuring that all information reported to the credit bureaus is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nSpecifically, I am requesting a full sweep of all reported accounts to verify that the following standards are met for each tradeline : 1. Accuracy : All reported information, including account balances, payment history, status, and dates, must be accurate and verifiable.\n\n2. Validation of Accounts : All debt collectors reporting accounts to my file must provide full validation of the debts, including proper documentation to substantiate the claims.\n\n3. Compliance with the FCRA : Any account that fails to meet FCRA requirements or XXXX XXXX standards should be removed from my credit file immediately. \n\n\n\nI believe some of the accounts reported by debt collectors may not meet these standards. In particular, please ensure that : All accounts have accurate and updated information. \n\nAccounts are reported in the correct status, including any that XXXX be beyond the statute of limitations. \n\nAny unverifiable accounts are promptly removed. \n\n\nPlease provide me with a detailed summary of the actions taken, including confirmation of compliance for all accounts and notification of any deletions or corrections made. \n\nI trust that XXXX will handle this request promptly and in accordance with its legal obligations. Thank you for your attention to this matter. Please contact me directly should you require additional information. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-24T18:33:03.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"46410","tags":null,"has_narrative":true,"complaint_id":"11757704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2025-01-24T18:33:01.000Z","state":"IN","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Full <em>Compliance</em> Sweep of Non-Compliant Debt XXXX <em>Dear</em> Experian Dispute Department, I am writing to formally request a review and <em>compliance</em> audit of all accounts reported on my <em>credit</em> file to ensure full adherence to XXXX XXXX <em>standards</em>."]},"sort":[15.93692,"11757704"]},{"_index":"complaint-public-v1","_id":"7598464","_score":15.92657,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. \n\n2. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-09-24T14:58:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95307","tags":null,"has_narrative":true,"complaint_id":"7598464","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-24T14:56:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer <em>credit</em> profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.92657,"7598464"]},{"_index":"complaint-public-v1","_id":"7540283","_score":15.918656,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.\n\n2. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-09-12T15:41:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95209","tags":null,"has_narrative":true,"complaint_id":"7540283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-12T15:21:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer <em>credit</em> profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.918656,"7540283"]},{"_index":"complaint-public-v1","_id":"7540228","_score":15.917143,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. \n\n2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.\n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-09-12T15:51:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95209","tags":null,"has_narrative":true,"complaint_id":"7540228","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-12T15:48:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer <em>credit</em> profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.917143,"7540228"]},{"_index":"complaint-public-v1","_id":"7538971","_score":15.917143,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Equifax in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices.\n\nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Equifax has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.\n\n2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Equifax may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Equifax has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-09-12T15:47:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95209","tags":null,"has_narrative":true,"complaint_id":"7538971","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-12T15:42:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing this formal complaint against Equifax in hopes of seeking resolution regarding the reporting of negative claims on my consumer <em>credit</em> profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices.\n\nMy primary complaints are as follows : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.917143,"7538971"]},{"_index":"complaint-public-v1","_id":"7598457","_score":15.913824,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. \n\n2. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-09-24T15:01:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95307","tags":null,"has_narrative":true,"complaint_id":"7598457","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-24T14:58:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer <em>credit</em> profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.913824,"7598457"]},{"_index":"complaint-public-v1","_id":"7597596","_score":15.913824,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Equifax in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Equifax has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. \n\n2. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Equifax may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.\n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Equifax has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-09-24T14:55:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95307","tags":null,"has_narrative":true,"complaint_id":"7597596","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-24T14:42:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing this formal complaint against Equifax in hopes of seeking resolution regarding the reporting of negative claims on my consumer <em>credit</em> profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.913824,"7597596"]},{"_index":"complaint-public-v1","_id":"7468431","_score":15.913824,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint against Transunion Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. \n\nXXXX. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\nXXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-08-26T17:11:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33967","tags":null,"has_narrative":true,"complaint_id":"7468431","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-26T16:53:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Complaint against Transunion <em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer <em>credit</em> profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.913824,"7468431"]},{"_index":"complaint-public-v1","_id":"7457833","_score":15.913824,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint against Experian Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.\n\n2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.\n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-08-26T16:53:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33967","tags":null,"has_narrative":true,"complaint_id":"7457833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-26T16:49:59.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Complaint against Experian <em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer <em>credit</em> profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.913824,"7457833"]},{"_index":"complaint-public-v1","_id":"10307242","_score":15.67236,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir, Madam, or to whom elsewise it may concern, I regret to inform you that I am contesting any information on my credit report that lacks substantiation, in line with both the FCRA and the established Metro 2 data field reporting standard. Regrettably, I can not acknowledge or accept the allegations of delinquency and derogatoriness without proper factual documentation. I implore you to ensure that all claims are both accurate and in compliance with federal and state regulations, as it is legally mandated. Moreover, I respectfully request physical, verifiable evidence to substantiate the account 's existence and its legitimate usage. If such evidence is not provided, I earnestly ask for the removal of this account from my credit report. Furthermore, I hereby authorize you to send me physical documentation regarding your actions and any updates to my credit report. Your prompt attention to this matter is greatly appreciated. \n\nXXXX - XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting XXXX across all the displayed bureaus, an infraction of compliance! DELETE at once! \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXXXXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXXy information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX XXXX My information was compromised in the XXXX XXXX breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX  - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX XXXX  My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating.","date_sent_to_company":"2024-10-01T18:35:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11787","tags":null,"has_narrative":true,"complaint_id":"10307242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-01T18:30:43.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["This is clear proof that this item is reporting XXXX across all the displayed <em>bureaus</em>, an infraction of <em>compliance</em>! DELETE at once! \n\nXXXX XXXX XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my <em>credit</em> report. These claims are not compliant with FCRA <em>standards</em>. Delete these items and provide proof of adherence to <em>compliance</em> <em>standards</em> for this account. The FTC is investigating."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.67236,"10307242"]},{"_index":"complaint-public-v1","_id":"10302690","_score":15.67236,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir, Madam, or to whom elsewise it may concern, I regret to inform you that I am contesting any information on my credit report that lacks substantiation, in line with both the FCRA and the established Metro 2 data field reporting standard. Regrettably, I can not acknowledge or accept the allegations of delinquency and derogatoriness without proper factual documentation. I implore you to ensure that all claims are both accurate and in compliance with federal and state regulations, as it is legally mandated. Moreover, I respectfully request physical, verifiable evidence to substantiate the account 's existence and its legitimate usage. If such evidence is not provided, I earnestly ask for the removal of this account from my credit report. Furthermore, I hereby authorize you to send me physical documentation regarding your actions and any updates to my credit report. Your prompt attention to this matter is greatly appreciated. \n\nXXXX - XXXX In compliance with XXXX XXXX XXXX XXXX Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting XXXX across all the displayed bureaus, an infraction of compliance! DELETE at once! \n\nDISCOVERBANK - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX  XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX  XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX  - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX  XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX  XXXX - XXXX My information was compromised in the XXXX XXXX breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX  XXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nCOMENITYCBULTA - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating. \n\nXXXX - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my credit report. These claims are not compliant with FCRA standards. Delete these items and provide proof of adherence to compliance standards for this account. The FTC is investigating.","date_sent_to_company":"2024-10-01T18:36:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11787","tags":null,"has_narrative":true,"complaint_id":"10302690","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-01T18:35:27.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["This is clear proof that this item is reporting XXXX across all the displayed <em>bureaus</em>, an infraction of <em>compliance</em>! DELETE at once! \n\nDISCOVERBANK - XXXX My information was compromised in the XXXX data breach, leading to unverified, fraudulent items on my <em>credit</em> report. These claims are not compliant with FCRA <em>standards</em>. Delete these items and provide proof of adherence to <em>compliance</em> <em>standards</em> for this account. The FTC is investigating."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.67236,"10302690"]},{"_index":"complaint-public-v1","_id":"7492520","_score":15.481904,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \n\nAlso, Experian said they investigated my claim and have \" verified '' my inquiries only but they are still reporting inaccurate information My primary complaints are as follows : XXXX. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. \n\nXXXX. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX  XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\nXXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements","date_sent_to_company":"2023-09-02T16:56:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90066","tags":null,"has_narrative":true,"complaint_id":"7492520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-02T16:45:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer <em>credit</em> profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[15.481904,"7492520"]},{"_index":"complaint-public-v1","_id":"7492577","_score":15.468719,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \n\nAlso, Transunion said they investigated my claim and have \" verified '' my inquiries only but they are still reporting inaccurate information My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that XXXX has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.\n\n2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, XXXX has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements","date_sent_to_company":"2023-09-02T17:01:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90066","tags":null,"has_narrative":true,"complaint_id":"7492577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-02T16:56:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer <em>credit</em> profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[15.468719,"7492577"]},{"_index":"complaint-public-v1","_id":"7771694","_score":15.459369,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding XXXX XXXX compliance with a specific creditor. Despite my attempts to rectify discrepancies, the creditor has failed to adhere to XXXX XXXX reporting guidelines, resulting in inaccurate and misleading information on my credit report. \n\nEnclosed are supporting documents highlighting the discrepancies. The creditor 's non-compliance has severely impacted my creditworthiness, leading to financial repercussions. I kindly request your intervention to ensure that the creditor complies with XXXX XXXX standards promptly. \n\nI appreciate your prompt attention to this matter and request your assistance in resolving this issue. Please let me know if further information is required from my end. \n\nThank you for your time and assistance. \n\nThe following company XXXX XXXX XXXX XXXX XX/XX/2023 2023","date_sent_to_company":"2023-10-29T06:28:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90712","tags":null,"has_narrative":true,"complaint_id":"7771694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-29T06:14:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection <em>Bureau</em>, I am writing to bring to your attention a concerning issue regarding XXXX XXXX <em>compliance</em> with a specific creditor. Despite my attempts to rectify discrepancies, the creditor has failed to adhere to XXXX XXXX reporting guidelines, resulting in inaccurate and misleading information on my <em>credit</em> report. \n\nEnclosed are supporting documents highlighting the discrepancies."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.459369,"7771694"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1655,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1655}]}},"product":{"doc_count":1655,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1393,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1384},{"key":"Other personal consumer 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