{"took":126,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4556,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10830261","_score":19.250658,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary of Request for Deletion of Accounts Nos. XXXX and XXXX and Compensation for Violations I am requesting the immediate deletion of accounts XXXX and XXXX from my credit reports due to violations of several federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. These violations have caused significant harm, and I am seeking compensation for the damages incurred. Specifically : XXXX. Insufficient Debt Validation : The debt collector has failed to provide the necessary documentation as required under the FDCPA, including original signed contracts. This failure to validate the debt appropriately has caused significant stress and harm to my credit.\n\n2. FCRA Violations and Willful Non-Compliance : Reporting time-barred debts and failing to correct inaccuracies as required under the FCRA constitutes willful non-compliance, which could lead to statutory damages for each instance of non-compliance.\n\n3. Breach of Privacy Protections : The continued reporting of my personal information despite my opt-out request under the GLBA and Privacy Act is a breach of my privacy rights, further damaging my financial standing.\n\n4. FTC Compliance : Non-compliance with FTC regulations governing accurate reporting and consumer privacy exposes the debt collector to regulatory scrutiny and potential penalties.","date_sent_to_company":"2024-11-17T21:51:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21206","tags":null,"has_narrative":true,"complaint_id":"10830261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-11-17T21:34:01.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This failure to validate the debt appropriately has <em>caused</em> <em>significant</em> stress and <em>harm</em> to my credit.\n\n2. FCRA Violations and Willful Non-<em>Compliance</em> : Reporting time-barred debts and failing to correct inaccuracies as required under the FCRA constitutes willful non-<em>compliance</em>, <em>which</em> could lead to statutory damages for each instance of non-<em>compliance</em>.\n\n3."]},"sort":[19.250658,"10830261"]},{"_index":"complaint-public-v1","_id":"15447228","_score":18.550251,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding multiple inaccuracies in my credit report, including incorrect addresses and falsely reported late payments, which have caused significant financial and personal harm. These errors demonstrate negligence and violations of federal credit reporting laws, specifically the Fair Credit Reporting Act ( FCRA ). XXXX investigation and correction are demanded. \nAddress : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Issue : Wrong Address Law : FCRA, 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. \nStory : I have never lived at XXXX XXXX XXXX, yet this address is being reported as associated with my credit history. This erroneous reporting creates confusion for creditors and falsely impacts my creditworthiness. My repeated disputes to the credit bureaus have been ignored or inadequately addressed. The continued presence of this incorrect information on my report constitutes a failure to maintain accurate records, which is a direct violation of my legal rights under the FCRA. \nI request that CFPB investigate these errors, enforce compliance with federal law, and ensure correction of the inaccurate addresses and late payment records. The repeated negligence and misreporting by the relevant parties have caused significant harm, and prompt corrective action is necessary to restore my credit integrity.","date_sent_to_company":"2025-08-22T21:25:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95758","tags":null,"has_narrative":true,"complaint_id":"15447228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-22T21:23:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The repeated negligence and misreporting by the relevant parties have <em>caused</em> <em>significant</em> <em>harm</em>, and prompt corrective action is necessary to restore my credit integrity."]},"sort":[18.550251,"15447228"]},{"_index":"complaint-public-v1","_id":"11591511","_score":18.368858,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing in response to a collection notice I received regarding the account # referenced XXXX. I dispute the validity of this debt and demand that you provide proper validation and verification in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection laws. The account is being inaccurately reported as a \" past due balance '' on my credit report, which is a blatant violation of my rights as a consumer. This inaccuracy is severely impacting my creditworthiness and causing significant harm to my financial reputation. \n\nYour company 's failure to maintain accurate reporting and compliance with federal laws has caused me undue financial burden and stress. The negative impact on my credit report has affected my ability to secure loans, obtain favorable interest rates, and has tarnished my financial standing.","date_sent_to_company":"2025-01-20T15:51:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"30311","tags":null,"has_narrative":true,"complaint_id":"11591511","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-01-20T15:28:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I dispute the validity of this debt and demand that you provide proper validation and verification in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection <em>laws</em>. The account is being inaccurately reported as a \" past due balance '' on my credit report, <em>which</em> is a blatant violation of my rights as a consumer. This inaccuracy is severely impacting my creditworthiness and <em>causing</em> <em>significant</em> <em>harm</em> to my financial reputation."]},"sort":[18.368858,"11591511"]},{"_index":"complaint-public-v1","_id":"10877724","_score":17.73418,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against EQUIFAX for reporting inaccurate and incomplete information on my consumer report. They have placed alleged accounts on my report without my knowledge or permissible purpose, violating my privacy rights under 15 U.S.C. 1681b, which outlines the limited circumstances under which a consumer report can be obtained or used.\n\nFurthermore, EQUIFAX is in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Despite my disputes, XXXX has failed to verify or validate these alleged accounts, and their continued reporting of this inaccurate information has caused significant harm. \n\nAs a result, I am unable to purchase a home for my children and me, and my employment opportunities have been negatively impacted. This invasion of my privacy and disregard for federal law has caused unnecessary financial and emotional distress. \n\nI request that the CFPB hold EQUIFAX accountable for these violations, require the removal of these inaccurate accounts, and ensure compliance with the FCRA to prevent further harm.","date_sent_to_company":"2024-11-20T00:25:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10877724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-20T00:14:33.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Despite my disputes, XXXX has failed to verify or validate these alleged accounts, and their continued reporting of this inaccurate information has <em>caused</em> <em>significant</em> <em>harm</em>. \n\nAs a result, I am unable to purchase a home for my children and me, and my employment opportunities have been negatively impacted. This invasion of my privacy and disregard for federal <em>law</em> has <em>caused</em> unnecessary financial and emotional distress."]},"sort":[17.73418,"10877724"]},{"_index":"complaint-public-v1","_id":"10879068","_score":17.7214,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against EXPERIAN for reporting inaccurate and incomplete information on my consumer report. They have placed alleged accounts on my report without my knowledge or permissible purpose, violating my privacy rights under 15 U.S.C. 1681b, which outlines the limited circumstances under which a consumer report can be obtained or used.\n\nFurthermore, EXPERIAN is in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Despite my disputes, EXPERIAN has failed to verify or validate these alleged accounts, and their continued reporting of this inaccurate information has caused significant harm. \n\nAs a result, I am unable to purchase a home for my children and me, and my employment opportunities have been negatively impacted. This invasion of my privacy and disregard for federal law has caused unnecessary financial and emotional distress. \n\nI request that the CFPB hold EXPERIAN accountable for these violations, require the removal of these inaccurate accounts, and ensure compliance with the FCRA to prevent further harm.","date_sent_to_company":"2024-11-20T00:58:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10879068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-20T00:44:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Despite my disputes, EXPERIAN has failed to verify or validate these alleged accounts, and their continued reporting of this inaccurate information has <em>caused</em> <em>significant</em> <em>harm</em>. \n\nAs a result, I am unable to purchase a home for my children and me, and my employment opportunities have been negatively impacted. This invasion of my privacy and disregard for federal <em>law</em> has <em>caused</em> unnecessary financial and emotional distress."]},"sort":[17.7214,"10879068"]},{"_index":"complaint-public-v1","_id":"10871876","_score":17.710533,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against TransUnion for reporting inaccurate and incomplete information on my consumer report. They have placed alleged accounts on my report without my knowledge or permissible purpose, violating my privacy rights under 15 U.S.C. 1681b, which outlines the limited circumstances under which a consumer report can be obtained or used.\n\nFurthermore, TransUnion is in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Despite my disputes, TransUnion has failed to verify or validate these alleged accounts, and their continued reporting of this inaccurate information has caused significant harm. \n\nAs a result, I am unable to purchase a home for my children and me, and my employment opportunities have been negatively impacted. This invasion of my privacy and disregard for federal law has caused unnecessary financial and emotional distress. \n\nI request that the CFPB hold TransUnion accountable for these violations, require the removal of these inaccurate accounts, and ensure compliance with the FCRA to prevent further harm.","date_sent_to_company":"2024-11-20T00:13:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10871876","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-20T00:00:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Despite my disputes, TransUnion has failed to verify or validate these alleged accounts, and their continued reporting of this inaccurate information has <em>caused</em> <em>significant</em> <em>harm</em>. \n\nAs a result, I am unable to purchase a home for my children and me, and my employment opportunities have been negatively impacted. This invasion of my privacy and disregard for federal <em>law</em> has <em>caused</em> unnecessary financial and emotional distress."]},"sort":[17.710533,"10871876"]},{"_index":"complaint-public-v1","_id":"14111063","_score":17.414047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the rental eviction listed on my credit report, which is being reported inaccurately and is the result of identity theft and fraud. I did not authorize the lease or any related financial activity associated with this eviction. This fraudulent record is causing significant harm to my credit and rental opportunities.\n\nUnder the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S. Code 1681c2 ], credit reporting agencies are required to block and remove fraudulent information within 4 business days after receiving a valid identity theft report and supporting documentation. I have provided an official FTC Identity Theft Report and proof of identity in compliance with this federal law.","date_sent_to_company":"2025-06-16T17:48:36.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"257XX","tags":null,"has_narrative":true,"complaint_id":"14111063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Federal Adjustment Bureau, Inc.","date_received":"2025-06-16T17:43:32.000Z","state":"WV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have provided an official FTC Identity Theft Report and proof of identity in <em>compliance</em> with this federal <em>law</em>."]},"sort":[17.414047,"14111063"]},{"_index":"complaint-public-v1","_id":"20395109","_score":17.404322,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing to formally complain about multiple unacceptable practices regarding my Shellpoint Mortgage Servicing account. The company has refused my payments while adding unauthorized legal and miscellaneous charges, effectively penalizing me despite my compliance. Representatives have come to my property to change the locks even though a complete foreclosure has not occurred. Additionally, despite being threatened with foreclosure I have received no updates or timeline regarding the foreclosure process, leaving me uncertain and at financial risk. Their office has also misapplied and misrepresented previous payments, including charging payments twice in one month to fabricate a late payment, which is improper and unfair. These practices appear to violate mortgage servicing standards and laws and have caused significant financial and emotional harm.","date_sent_to_company":"2026-03-19T00:54:02.000Z","issue":"Struggling to pay mortgage","sub_product":"Other type of mortgage","zip_code":"19143","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"20395109","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2026-03-19T00:28:09.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["Their office has also misapplied and misrepresented previous payments, including charging payments twice in one month to fabricate a late payment, <em>which</em> is improper and unfair. These practices appear to violate mortgage servicing standards and <em>laws</em> and have <em>caused</em> <em>significant</em> financial and emotional <em>harm</em>."]},"sort":[17.404322,"20395109"]},{"_index":"complaint-public-v1","_id":"10679394","_score":17.34502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Equifax for Non-Compliance with FCRA Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for its ongoing and blatant disregard of the Fair Credit Reporting Act ( FCRA ) guidelines, specifically concerning identity theft protection and accurate credit reporting requirements. Despite providing Equifax with a validated Federal Trade Commission Identity Theft Report ( # XXXX ), police documentation, and verification of my identity on XX/XX/ 2024, Equifax has failed to comply with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This provision mandates that credit reporting agencies block fraudulent information from credit reports within four business days upon receiving appropriate documentation.\n\nEquifaxs failure to remove this fraudulent account has caused significant financial and emotional harm, including denied credit applications and damage to my creditworthiness. This ongoing non-compliance demonstrates Equifax 's unwillingness to adhere to consumer protection laws, and I am requesting the CFPB to take enforcement action against Equifax to ensure compliance and accountability.\n\nAttached is the demand letter I sent to Equifax, which provides detailed evidence of their non-compliance. I am seeking the CFPBs intervention to compel Equifax to follow the law, remove the fraudulent account promptly, and address the damages caused by their negligence.\n\nThank you for your attention to this matter.","date_sent_to_company":"2024-11-05T01:27:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"10679394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-05T01:21:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifaxs failure to remove this fraudulent account has <em>caused</em> <em>significant</em> financial and emotional <em>harm</em>, including denied credit applications and damage to my creditworthiness. This ongoing non-<em>compliance</em> demonstrates Equifax 's unwillingness to adhere to consumer protection <em>laws</em>, and I am requesting the CFPB to take enforcement action against Equifax to ensure <em>compliance</em> and accountability."]},"sort":[17.34502,"10679394"]},{"_index":"complaint-public-v1","_id":"11709778","_score":17.204338,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Denial of Access to Account and Dispute Resolution Rights- Financial Harm Complaint : I am filing this complaint against Equitable due to being locked out of my account for an extended period of approximately 4 YEARS. As a result, I am unable to access my account, manage my finances, or submit disputes regarding errors or issues, which is causing ongoing financial harm. \n\nThis situation violates my rights under several laws and regulations, including but not limited to : 1. Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693 et seq.\n\nUnder the EFTA, financial institutions are required to provide consumers with the ability to dispute unauthorized transactions and errors within their accounts. By locking me out of my account, Equitable is denying me the ability to exercise my dispute rights, a direct violation of EFTA provisions and its implementing regulation, Regulation E.\n\n2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.\n\nIf Equitable is reporting negative account information to credit reporting agencies without allowing me to access or dispute the account, it may be in violation of the FCRA, which requires accurate reporting and the opportunity for disputes. \nXXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) - Dodd-Frank Act, 12 U.S.C. 5531.\n\nLocking me out of my account and denying access to dispute resolution mechanisms constitutes an unfair and abusive practice, as it causes significant financial harm, is beyond my control, and denies me the ability to manage and protect my finances. \n\nDetails of Harm : I have been unable to review transactions, check balances, or address potential errors or unauthorized charges. \nI have incurred multiple hours wasted trying to correct the issue, severe financial harm, lack of credit opportunities, undue stress, and health issues due to this issue. \nEquitables failure to provide access and proper dispute resolution has severely impaired my financial stability and caused unnecessary stress.\n\nRequested Resolution : 1. Immediate restoration of access to my account.\n\n2. Allowance to submit disputes for all affected transactions within the time frame I have been locked out.\n\n3. Compensation for financial losses incurred as a direct result of this issue.\n\n4. Review of Equitables policies and practices to ensure compliance with consumer protection laws. \n5. Remove all XXXX XXXX accounts that are negative as they are preventing me from the pursuit of liberty and have caused major financial harm as a result of their negligence. \n\nConclusion : Equitables actions are unlawful and harmful, violating federal regulations designed to protect consumers. I request the CFPB investigate this matter, ensure compliance with applicable laws, and assist in securing a resolution to my complaint.","date_sent_to_company":"2025-01-23T14:13:40.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"11709778","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-23T14:03:06.000Z","state":"IL","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I request the CFPB investigate this matter, ensure <em>compliance</em> with applicable <em>laws</em>, and assist in securing a resolution to my complaint."]},"sort":[17.204338,"11709778"]},{"_index":"complaint-public-v1","_id":"9450337","_score":16.847492,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian is willfully reporting inaccurate information that violates HJR-192 Public Law 73-10. Despite being provided with substantial evidence and clear information to rectify these inaccuracies on the credit report, Experian has negligently and deliberately failed to make the necessary adjustments. This blatant noncompliance and refusal to adhere to the law and congressional mandates are causing significant harm. Under the Fair Credit Reporting Act ( FCRA ), Experian has a legal obligation to ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Their failure to correct known inaccuracies constitutes a willful violation of the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Moreover, Experian 's continued reporting of inaccurate information, despite being informed of the errors, can be seen as a reckless disregard for their duties under the FCRA, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). Experian 's actions not only violate federal law but also undermine the protections intended by HJR-192 Public Law 73-10, which prohibits the reporting of late or missed payments as this is not possible. The failure to comply with this law, despite being provided with the necessary documentation, further evidences their intentional misconduct. I demand the immediate removal of all disputed information and the correction of the reported status. Failure to comply will result in legal action to enforce compliance and seek damages for the harm caused by Experian 's reckless and unlawful behavior.","date_sent_to_company":"2024-07-09T03:14:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"97338","tags":null,"has_narrative":true,"complaint_id":"9450337","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-09T03:10:14.000Z","state":"OR","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":["Failure to comply will result in legal action to enforce <em>compliance</em> and seek damages for the <em>harm</em> <em>caused</em> by Experian 's reckless and unlawful behavior."]},"sort":[16.847492,"9450337"]},{"_index":"complaint-public-v1","_id":"9450480","_score":16.832636,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax is willfully reporting inaccurate information that violates HJR-192 Public Law 73-10. Despite being provided with substantial evidence and clear information to rectify these inaccuracies on the credit report, Equifax has negligently and deliberately failed to make the necessary adjustments. This blatant noncompliance and refusal to adhere to the law and congressional mandates are causing significant harm. Under the Fair Credit Reporting Act ( FCRA ), Equifax has a legal obligation to ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Their failure to correct known inaccuracies constitutes a willful violation of the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Moreover, Equifax 's continued reporting of inaccurate information, despite being informed of the errors, can be seen as a reckless disregard for their duties under the FCRA, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). Equifax 's actions not only violate federal law but also undermine the protections intended by HJR-192 Public Law 73-10, which prohibits the reporting of late or missed payments as this is not possible. The failure to comply with this law, despite being provided with the necessary documentation, further evidences their intentional misconduct. I demand the immediate removal of all disputed information and the correction of the reported status. Failure to comply will result in legal action to enforce compliance and seek damages for the harm caused by Equifax 's reckless and unlawful behavior.","date_sent_to_company":"2024-07-09T03:19:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"97338","tags":null,"has_narrative":true,"complaint_id":"9450480","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-09T03:16:47.000Z","state":"OR","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Failure to comply will result in legal action to enforce <em>compliance</em> and seek damages for the <em>harm</em> <em>caused</em> by Equifax 's reckless and unlawful behavior."]},"sort":[16.832636,"9450480"]},{"_index":"complaint-public-v1","_id":"9450445","_score":16.65335,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion is willfully reporting inaccurate information that violates XXXX XXXX XXXX XXXX. Despite being provided with substantial evidence and clear information to rectify these inaccuracies on the credit report, TransUnion has negligently and deliberately failed to make the necessary adjustments. This blatant noncompliance and refusal to adhere to the law and congressional mandates are causing significant harm. \n\nUnder the Fair Credit Reporting Act ( FCRA ), TransUnion has a legal obligation to ensure the accuracy of the information they report ( XXXX XXXX. XXXX ( b ) ). Their failure to correct known inaccuracies constitutes a willful violation of the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Moreover, TransUnion 's continued reporting of inaccurate information, despite being informed of the errors, can be seen as a reckless disregard for their duties under the FCRA, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). \n\nTransUnion 's actions not only violate federal law but also undermine the protections intended by XXXX Public Law 73-10, which prohibits the reporting of late or missed payments as this is not possible. The failure to comply with this law, despite being provided with the necessary documentation, further evidences their intentional misconduct. \n\nI demand the immediate removal of all disputed information and the correction of the reported status. Failure to comply will result in legal action to enforce compliance and seek damages for the harm caused by TransUnion 's reckless and unlawful behavior.","date_sent_to_company":"2024-07-09T03:06:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"97338","tags":null,"has_narrative":true,"complaint_id":"9450445","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-09T02:54:12.000Z","state":"OR","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":["Failure to comply will result in legal action to enforce <em>compliance</em> and seek damages for the <em>harm</em> <em>caused</em> by TransUnion 's reckless and unlawful behavior."]},"sort":[16.65335,"9450445"]},{"_index":"complaint-public-v1","_id":"12952524","_score":16.621464,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax for what appears to be deliberate non-compliance with federal law, specifically the Fair Credit Reporting Act ( FCRA ). Exquifax, improper handling of my credit report and failure to remove inaccurate information has caused significant harm and damages to my financial standing and violated my rights as a consumer. In accordance with 15 U.S.C. 1681i ( 7 ) I dispute this accounts as it lacks valid verification and evidence making it a violation. I would like Equifax to please delete this inaccurate accounts information from my credit report. Equifax erroneous processes have substantially damaged my credit score. I request immediate deletion of these items to mitigate the harm and damages caused by Equifax actions. Summary of the Issue Despite my formal disputes regarding inaccurate and fraudulent information on my credit report, Equifax, XXXX and XXXX have failed to remove the disputed accounts and inquiries as required under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA. Equifax, XXXX and XXXX agencies showing different information. This non-compliance has negatively impacted my credit profile and constitutes a serious violation of federal law. 1. Failure to Investigate and Remove Inaccurate Information : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable investigation within 30 days of receiving a dispute and remove any information found to be inaccurate or unverifiable. To date, the disputed items remain on my credit report despite no evidence of their accuracy. 2. Failure to Notify Investigation Results : As required by 15 U.S. Code 1681i ( a ) ( 6 ) ( A ), Equifax must provide notice of the results of the investigation within five business days after its completion. I have not received any such notification. 3. Reporting Inaccurate Information : Equifax, is obligated under 15 U.S. Code 1681e ( b ) to ensure maximum possible accuracy in consumer credit reports. The continued presence of inaccurate information demonstrates a failure to meet this standard. 4. Non-Compliance with Metro 2 Reporting Standards : Equifax, failed to apply the required Metro 2 reporting codes, such as XXXX  ( \" Account Information Disputed by Consumer Under FCRA '' ) and QF ( \" Fraud Investigation Complete Fraud Confirmed '' ), which would have ensured the accurate handling of my disputes. Why This Constitutes Willful Non-Compliance : Equifax actions reflect a blatant disregard for federal laws designed to protect consumers. These actions fall under 15 U.S. Code 1681n, which holds credit reporting agencies liable for willful non-compliance with the FCRA. The failure to remove inaccurate information has caused me : Financial Harm : My credit score has been negatively impacted, leading to the denial of financial opportunities. Emotional Distress : The presence of inaccurate information has caused significant stress and anxiety. I would like to Facilitate the permanent removal of the disputed information from my credit report. Thank you for your attention to this matter. I look forward to a resolution. Request for Settlement : I am open to a settlement of {$10000.00} and deletions of negative accounts below with all inquiries Still on my credit file. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX. Account Number : XXXX. Account based on fraud, extortion, Conspiracy, Racketeering, Misrepresentation of a material fact, unjust enrichment, Intentional act of fraud and Civil liability for willful noncompliance with the law.","date_sent_to_company":"2025-04-12T17:28:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"12952524","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-12T17:06:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1681n, <em>which</em> holds credit reporting agencies liable for willful non-<em>compliance</em> with the FCRA. The failure to remove inaccurate information has <em>caused</em> me : Financial <em>Harm</em> : My credit score has been negatively impacted, leading to the denial of financial opportunities. Emotional Distress : The presence of inaccurate information has <em>caused</em> <em>significant</em> stress and anxiety. I would like to Facilitate the permanent removal of the disputed information from my credit report."]},"sort":[16.621464,"12952524"]},{"_index":"complaint-public-v1","_id":"11506158","_score":16.563894,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a complaint against Discover Bank regarding the handling and reporting of my debt. In XX/XX/year> I sent XXXX. \n\nThe company filed my debt as a charge-off, yet they failed to provide me with the required IRS XXXX XXXX, which is necessary for tax purposes when a debt is canceled or forgiven. Furthermore, the debt was reported as a charge-off even after the company received payment for it. This has negatively impacted my credit report and caused significant confusion regarding the status of my account. \n\nI believe this is a violation of federal regulations regarding debt reporting and transparency. I request that the CFPB investigate this matter to ensure compliance with applicable laws and to prevent further harm to consumers. \n\nPlease let me know if additional information or documentation is needed to assist in resolving this issue. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-13T15:41:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38637","tags":null,"has_narrative":true,"complaint_id":"11506158","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-01-13T15:41:25.000Z","state":"MS","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I request that the CFPB investigate this matter to ensure <em>compliance</em> with applicable <em>laws</em> and to prevent further <em>harm</em> to consumers. \n\nPlease let me know if additional information or documentation is needed to assist in resolving this issue. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX"]},"sort":[16.563894,"11506158"]},{"_index":"complaint-public-v1","_id":"11756196","_score":16.549913,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Date : XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against Cash App ( Block , Inc. ) Unlawful Account Closure, Negligence, and Failure to Refund Dear CFPB Team, I am filing this formal complaint against Cash App ( owned by Block , Inc. ) for their repeated violations of consumer protection laws, negligence in handling customer accounts, and the extensive financial and personal harm caused by their actions. I am also seeking compensation for damages suffered as a result of their negligence, unfair practices, and breach of contractual obligations. \n\nComplaint Overview 1. Unlawful Account Closures : Cash App arbitrarily closed my personal account ( $ XXXX ) and business account ( XXXX XXXX XXXX XXXX ) without notice or justification. These closures prevented me from accessing funds critical to supporting my family and disrupted business operations that generate my livelihood. \nUnder the Electronic Funds Transfer Act ( XXXX ), XXXX XXXX. XXXX, account closures without proper notice or investigation are unlawful. The damage caused by these closures has been devastating : Personal Impact : Without access to my personal account, I was unable to manage basic financial obligations, including paying bills, buying groceries, and providing for my family. This caused severe financial strain and emotional stress. \nBusiness Impact : Shutting down my business account disrupted my ability to conduct transactions, pay vendors, and maintain operations for Official Credit Beast Inc., resulting in lost revenue and reputational damage. \nXXXX. Failure to Refund {$700.00} for Services Not Rendered : Cash App failed to refund {$700.00} for a service-related dispute despite evidence showing that the transaction was incomplete. This violates the XXXX, which requires providers to investigate disputes and resolve unauthorized or incomplete transactions within XXXX business days. Cash Apps refusal to process this refund constitutes gross negligence and an outright violation of federal law. \nXXXX. Non-Compliance with Settlement Obligations : As a member of the class action settlement referenced in Notice ID : XXXX, Cash App is obligated to compensate affected users like me for their negligence. However, despite submitting a valid claim, I have yet to receive my entitled compensation, which violates the terms of the class action settlement. \n\nDamages Suffered Cash Apps actions have caused extensive damages, both financial and personal, including : Severe Financial Harm : The inability to access my accounts left me unable to meet essential personal and family obligations, such as paying rent, utilities, and groceries. \nBusiness Losses : The arbitrary closure of my business account caused operational disruptions, loss of client trust, and irrecoverable revenue loss for XXXX XXXX XXXX XXXX. \nEmotional Distress : The ongoing financial hardship and lack of resolution have caused significant emotional distress, including anxiety and sleepless nights. \nLegal and Administrative Costs : I have spent considerable time and resources attempting to resolve these issues, further compounding my financial burden. \n\nLaws Violated XXXX. XXXX Funds Transfer Act ( XXXX ) : Failure to investigate and resolve disputes within XXXX business days ( XXXX XXXX. XXXX ). \nArbitrary account closures without due process. \nXXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Violation of the Dodd-Frank Act, Section XXXX ( XXXX U.S.C. XXXX ) due to deceptive and abusive practices. \nXXXX. Breach of XXXX XXXX XXXX Obligations : Non-compliance with the settlement terms in XXXX, et al. v. XXXX, XXXX, et al., which mandates timely compensation for affected users. \n\nSettlement Proposal In light of the damages suffered, I am willing to settle this matter for {$10000.00}, which reflects : XXXX. Compensation for Financial Losses : This includes lost business revenue, personal financial harm, and the {$700.00} refund owed for services not rendered. \nXXXX. Emotional and Reputational Damages : The stress and harm caused to me and my family due to Cash Apps negligence. \nXXXX. Penalties for Non-Compliance : Reflecting Cash Apps repeated violations of federal law and settlement agreements. \n\nWhile this amount does not fully account for the extensive harm I have suffered, it represents a reasonable resolution to avoid further escalation. \n\nProposed Penalties for Non-Compliance Should Cash App fail to resolve this matter, I request the CFPB impose the following penalties : XXXX. Civil Penalties : XXXX XXXX XXXX. XXXX ( c ), impose penalties of up to {$1000.00} per violation for Cash Apps breaches of the XXXX. \nXXXX. XXXX XXXX Monitoring : Mandate compliance with settlement obligations and impose additional penalties of {$5.00} XXXX for any further non-compliance. \nXXXX. XXXX XXXX : XXXX Cash App to compensate me and others affected for all damages and costs. \n\nXXXX XXXX I respectfully request the CFPB to take immediate action to : XXXX. Reopen XXXX Accounts : Restore both my personal and business accounts to full functionality. \nXXXX. Refund My Money : Refund the {$700.00} owed for services not rendered. \nXXXX. XXXX XXXX XXXX : Expedite my settlement payout under the class action agreement. \nXXXX. Impose Penalties : Ensure Cash App is held accountable for their violations. \n\nClosing Cash Apps repeated negligence and violations of federal law have caused significant harm to me and my family. I trust that the CFPB will act swiftly to ensure compliance and protect consumers from further harm. \n\nI am prepared to provide supporting documentation, including the class action notice, proof of unresolved disputes, and account details, to substantiate my claims.","date_sent_to_company":"2025-01-24T21:51:25.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"11756196","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-24T21:33:13.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>harm</em> <em>caused</em> by their actions."]},"sort":[16.549913,"11756196"]},{"_index":"complaint-public-v1","_id":"11680571","_score":16.50953,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.\n\nAdditionally, their dispute resolution process was unfair and deceptive. Cash App did not comply with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which mandate a thorough and timely investigation of reported errors. Instead, I experienced delays and insufficient communication, resulting in unresolved issues and significant financial loss. \nThese failures have caused undue inconvenience and harm, and I believe they demonstrate a lack of accountability and transparency. I am requesting that the CFPB investigate Cash Apps practices and take appropriate action to ensure compliance with federal laws. I also seek redress for the financial losses and inconvenience caused by their failure to protect consumers and resolve disputes fairly.","date_sent_to_company":"2025-01-20T19:51:36.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"75089","tags":null,"has_narrative":true,"complaint_id":"11680571","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-01-20T19:43:51.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting that the CFPB investigate Cash Apps practices and take appropriate action to ensure <em>compliance</em> with federal <em>laws</em>. I also seek redress for the financial losses and inconvenience <em>caused</em> by their failure to protect consumers and resolve disputes fairly."]},"sort":[16.50953,"11680571"]},{"_index":"complaint-public-v1","_id":"16578707","_score":16.411388,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to the CFPB regarding multiple inaccurate, unauthorized, and disputed items appearing on my credit reports. Despite my repeated attempts to correct these errors, the inaccuracies continue to negatively impact my creditworthiness, causing financial harm, stress, and potential denial of credit. These reporting errors violate the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 611 ( a ), and 623 ( a ), which require credit reporting agencies and furnishers to ensure accuracy, conduct reasonable investigations, and promptly correct or delete inaccurate information. I request the CFPB intervene and direct all involved parties to complete thorough reinvestigations and permanently remove unverifiable, unauthorized, or inaccurately reported information. \n\nAccount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1300.00} Chargeoff XXXX XXXX Law/Issue : Inaccurate Charge-Off Reporting FCRA Sections 607 ( b ), 609, and 611 require accurate, verifiable reporting. I dispute the validity of this charge-off because the balance, account status, or both are misreported.\n\nStory : This account information is inaccurate. The reported charge-off does not reflect my actual account history, payments, or agreements. Previous disputes have not corrected this error. I am requesting full verification and correction under the FCRA, as its continued reporting is harming my credit profile. \n\nAll actions described above are in violation of the FCRA and have caused significant harm, including denial of credit, higher interest rates, and emotional distress. I request the CFPB to direct all reporting agencies and furnishers to complete their investigations, delete unverifiable or inaccurate information, and update my credit file in full compliance with the law. Documentation supporting these disputes will be provided upon request. \nI assert that if these errors are not corrected promptly, further legal action will be considered to protect my rights under FCRA Sections 611 and 623. The CFPBs oversight is crucial to ensure compliance with federal law and to restore the accuracy of my credit profile.","date_sent_to_company":"2025-10-14T08:41:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92553","tags":null,"has_narrative":true,"complaint_id":"16578707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-14T08:38:08.000Z","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 requesting full verification and correction under the FCRA, as its continued reporting is <em>harming</em> my credit profile. \n\nAll actions described above are in violation of the FCRA and have <em>caused</em> <em>significant</em> <em>harm</em>, including denial of credit, higher interest rates, and emotional distress. I request the CFPB to direct all reporting agencies and furnishers to complete their investigations, delete unverifiable or inaccurate information, and update my credit file in full <em>compliance</em> with the <em>law</em>."]},"sort":[16.411388,"16578707"]},{"_index":"complaint-public-v1","_id":"16578424","_score":16.411388,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to the CFPB regarding multiple inaccurate, unauthorized, and disputed items appearing on my credit reports. Despite my repeated attempts to correct these errors, the inaccuracies continue to negatively impact my creditworthiness, causing financial harm, stress, and potential denial of credit. These reporting errors violate the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 611 ( a ), and 623 ( a ), which require credit reporting agencies and furnishers to ensure accuracy, conduct reasonable investigations, and promptly correct or delete inaccurate information. I request the CFPB intervene and direct all involved parties to complete thorough reinvestigations and permanently remove unverifiable, unauthorized, or inaccurately reported information. \n\nAccount : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1300.00} Chargeoff XXXX XXXX Law/Issue : Inaccurate Charge-Off Reporting FCRA Sections 607 ( b ), 609, and 611 require accurate, verifiable reporting. I dispute the validity of this charge-off because the balance, account status, or both are misreported.\n\nStory : This account information is inaccurate. The reported charge-off does not reflect my actual account history, payments, or agreements. Previous disputes have not corrected this error. I am requesting full verification and correction under the FCRA, as its continued reporting is harming my credit profile. \n\nAll actions described above are in violation of the FCRA and have caused significant harm, including denial of credit, higher interest rates, and emotional distress. I request the CFPB to direct all reporting agencies and furnishers to complete their investigations, delete unverifiable or inaccurate information, and update my credit file in full compliance with the law. Documentation supporting these disputes will be provided upon request. \nI assert that if these errors are not corrected promptly, further legal action will be considered to protect my rights under FCRA Sections 611 and 623. The CFPBs oversight is crucial to ensure compliance with federal law and to restore the accuracy of my credit profile.","date_sent_to_company":"2025-10-14T08:46:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92553","tags":null,"has_narrative":true,"complaint_id":"16578424","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-14T08:44:11.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am requesting full verification and correction under the FCRA, as its continued reporting is <em>harming</em> my credit profile. \n\nAll actions described above are in violation of the FCRA and have <em>caused</em> <em>significant</em> <em>harm</em>, including denial of credit, higher interest rates, and emotional distress. I request the CFPB to direct all reporting agencies and furnishers to complete their investigations, delete unverifiable or inaccurate information, and update my credit file in full <em>compliance</em> with the <em>law</em>."]},"sort":[16.411388,"16578424"]},{"_index":"complaint-public-v1","_id":"16331733","_score":16.229952,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to the CFPB regarding multiple inaccurate and unauthorized items reported on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies have caused significant harm to my creditworthiness and financial standing. CFPB review is requested to ensure full reinvestigation and correction of all items below. \n\nAccount XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance Owed : {$18000.00}, Chargeoff This account is inaccurately reported as a charge-off. Prior disputes have been ignored, violating FCRA Sections 607 ( b ) and 611. I never received verification of the debt or proper validation. The balance and status are unverified and misleading. Reporting this item inaccurately harms my XXXX XXXX and financial reputation. Federal law requires that unverifiable information be removed promptly. There is no evidence confirming that this charge-off is accurate. The continued reporting demonstrates failure to comply with FCRA obligations. This account misrepresents my payment history and misleads potential lenders. I am entitled to full reinvestigation and removal if unverifiable. The account impacts my ability to obtain credit. Prior correspondence has been ignored, which is a violation of Sections 609 and 611. This inaccurate charge-off is XXXX  and misleading. Immediate correction or deletion is required. Continued reporting without validation is illegal. My rights under federal law are being ignored. \n\nI demand that the CFPB review each item, enforce accurate verification, and ensure deletion of all unauthorized inquiries and unverifiable charge-offs. These violations of FCRA and FDCPA have caused undue harm to my financial reputation, and I request that CFPB intervene to guarantee compliance, reinvestigation, and removal of all inaccurate, unauthorized, or unverified items.","date_sent_to_company":"2025-10-02T11:16:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91324","tags":null,"has_narrative":true,"complaint_id":"16331733","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-02T11:13:08.000Z","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":["These violations of FCRA and FDCPA have <em>caused</em> undue <em>harm</em> to my financial reputation, and I request that CFPB intervene to guarantee <em>compliance</em>, reinvestigation, and removal of all inaccurate, unauthorized, or unverified items."]},"sort":[16.229952,"16331733"]},{"_index":"complaint-public-v1","_id":"11759386","_score":16.12304,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Third Complaint Against Equifax for Non-Compliance and Failure to Provide Written Authorization Date : XX/XX/year> Consumer Information : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Company Name : Equifax Complaint Summary : I am filing this complaint against Equifax for their continued non-compliance with my previous requests regarding inaccurate information reported on my credit report. This is my third complaint, and I am now seeking monetary relief due to Equifaxs willful failure to address my concerns, even after I have communicated with them in writing multiple times. \n\nEquifax has not corrected inaccurate information on my credit report, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of which I dispute as incorrect. I have asked Equifax for clarification and correction but have yet to receive a satisfactory response. Additionally, Equifax has failed to provide written authorization from me, as is required by law, despite multiple requests. This continued failure to comply has caused significant harm to my financial wellbeing. \n\nSpecific Allegations : Failure to Provide Written Authorization : Equifax has failed to send me written authorization from myself, which is required by law. I have made several requests for this and have not received any response or compliance. \n\nInaccurate Inquiries Reported : The following inquiries are inaccurately reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are erroneous and should not be on my credit report. Despite my communication with Equifax regarding these inaccuracies, no corrective action has been taken. \n\nWillful Non-Compliance : Equifax has demonstrated willful non-compliance with my rights under the Fair Credit Reporting Act ( FCRA ). I have provided written notice of the inaccuracies in my report, but Equifax continues to report incorrect information without making necessary updates or corrections.\n\nViolation of FCRA Section 605B : Under Section 605B of the Fair Credit Reporting Act, I am entitled to request corrections to inaccuracies on my credit report. Equifaxs failure to comply with these requests violates this section of the FCRA. \n\nRequested Resolution : Immediate correction of all inaccurate inquiries, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nProvision of written authorization from myself, as required by law. \nFull compliance with my rights under the Fair Credit Reporting Act ( FCRA ), including the accurate reporting of all information on my credit report. \nConsideration for monetary relief due to the harm caused by their non-compliance and failure to uphold legal obligations. \nI trust the CFPB will investigate and hold Equifax accountable for its continued violation of the law and my rights. \n\nXXXX XXXX","date_sent_to_company":"2025-01-24T16:48:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19805","tags":null,"has_narrative":true,"complaint_id":"11759386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-24T16:28:33.000Z","state":"DE","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Equifax has not corrected inaccurate information on my credit report, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of <em>which</em> I dispute as incorrect. I have asked Equifax for clarification and correction but have yet to receive a satisfactory response. Additionally, Equifax has failed to provide written authorization from me, as is required by <em>law</em>, despite multiple requests. This continued failure to comply has <em>caused</em> <em>significant</em> <em>harm</em> to my financial wellbeing."]},"sort":[16.12304,"11759386"]},{"_index":"complaint-public-v1","_id":"15636788","_score":16.108633,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Experian has failed to correct multiple inaccuracies in my credit report despite my previous written dispute. These errors are damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain maximum possible accuracy under 607 ( b ) and to conduct a lawful and thorough reinvestigation under 611 ( a ). I disputed this information in good faith, but Experian has not provided any verification or documentation to prove the accuracy of the items in question. \n\nMy credit report continues to list an incorrect address, XXXX XXXX XXXX XXXX, CA XXXX, which I have never lived at or been associated with. This false address creates inaccurate associations and represents a direct violation of FCRA 607 ( b ). I have also disputed multiple accounts that are being reported with late payment histories that Experian has not substantiated. These accounts include 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 I have never been provided with any documents proving that these negative entries are valid, and their continued presence after a dispute violates FCRA 611 ( a ) ( 5 ), which requires deletion of unverifiable information.\n\nExperian has failed to provide verification under FCRA 609 ( a ) ( 1 ), which gives me the right to know the source and method of verification of the information being reported. My dispute clearly requested this information, but Experian has ignored it and continues to report damaging and unverifiable data. This behavior demonstrates negligence, a lack of compliance with the law, and a refusal to protect consumer rights. \n\nThese errors have caused me significant harm, including damage to my credit score, increased financial stress, and reputational harm. I am filing this complaint with the CFPB because Experian has not acted in good faith or in compliance with the Fair Credit Reporting Act. I am requesting that the CFPB intervene to ensure that Experian immediately conducts a lawful reinvestigation of every disputed item, removes the unverifiable accounts and incorrect address, and provides me with an updated and accurate credit report. I also request that the CFPB hold Experian accountable for its failure to comply with federal law and for its negligent reporting practices that have caused me harm.","date_sent_to_company":"2025-09-02T00:58:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93230","tags":null,"has_narrative":true,"complaint_id":"15636788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-02T00:56:27.000Z","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":["These errors have <em>caused</em> me <em>significant</em> <em>harm</em>, including damage to my credit score, increased financial stress, and reputational <em>harm</em>. I am filing this complaint with the CFPB because Experian has not acted in good faith or in <em>compliance</em> with the Fair Credit Reporting Act."]},"sort":[16.108633,"15636788"]},{"_index":"complaint-public-v1","_id":"11716143","_score":16.075748,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Dispute and Notice of Non-Compliance with FCRA Section 618 ( Civil Liability ) To : Equifax Information Services LLC and XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX, NC, XXXX XX/XX/year> To Whom It May Concern : I am writing to formally dispute the unauthorized and unlawful reinsertion of previously removed accounts on my credit report. These actions have caused significant harm to my credit score and constitute clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 618 ( 15 U.S.C. 1681n ), which addresses civil liability for willful non-compliance, and Section 611 ( 15 U.S.C. 1681i ), which governs reinvestigations and the reinsertion of disputed information.\n\nDetails of the Violation : 1. Unlawful Reinsertion of Previously Removed Information : The accounts in question were previously removed from my credit report following a dispute process.\n\nPer FCRA 611 ( a ) ( 5 ) ( B ), any reinsertion of disputed information requires strict compliance with specific procedures, including notifying me in writing within five business days of the reinsertion and providing certification from the furnisher that the information is accurate.\n\n2. Failure to Notify Me : I was not notified of the reinsertion of these accounts, nor was I provided any certification or documentation to verify their accuracy. This is a direct violation of the FCRA.\n\n3. Significant Harm to My Credit : The reinsertion of these accounts has caused my credit score to drop by approximately XXXX points, severely impacting my ability to access credit and financial opportunities. \nXXXX. Negligence and Non-Compliance : Both Equifax and XXXX have demonstrated negligence in failing to follow the FCRAs procedures for accuracy, dispute resolution, and consumer notification. \n\nApplicable Legal Standards : Under Section 618 of the FCRA ( 15 U.S.C. 1681n ) : Willful non-compliance with the FCRA subjects credit reporting agencies to civil liability, including actual damages, punitive damages, and attorneys fees.\n\nAdditionally, under Section 617 ( 15 U.S.C. 1681o ), negligence in failing to comply with FCRA requirements allows consumers to recover actual damages and legal costs.\n\nRequested Actions : 1. Immediate Removal of Reinserted Accounts : Remove all reinserted accounts from my credit report immediately.\n\n2. Provide Written Documentation : Provide documentation verifying the procedures followed for the reinsertion of these accounts, including any certification of accuracy provided by the furnishers.\n\n3. Recalculate and Restore My Credit Score : Correct my credit report and restore my score to its rightful position prior to the reinsertion of these accounts.\n\n4. Prevent Future Non-Compliance : Take measures to ensure compliance with the FCRA in the future, particularly regarding reinsertion procedures and consumer notification.\n\nNotice of Potential Legal Action : If these issues are not resolved within 30 days of the date of this letter, I will have no choice but to pursue legal action to enforce my rights under the FCRA. This may include seeking damages for harm caused by your negligence and non-compliance, as well as any punitive damages permitted under Section 618.\n\nPlease consider this a formal request for action and a notice of your obligations under federal law. I look forward to your prompt response and resolution of this matter.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Copy of credit reports showing the reinserted accounts Previous dispute correspondence Supporting documents for removed accounts","date_sent_to_company":"2025-01-23T22:56:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27410","tags":null,"has_narrative":true,"complaint_id":"11716143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-23T22:55:53.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["These actions have <em>caused</em> <em>significant</em> <em>harm</em> to my credit score and constitute clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 618 ( 15 U.S.C. 1681n ), <em>which</em> addresses civil liability for willful non-<em>compliance</em>, and Section 611 ( 15 U.S.C. 1681i ), <em>which</em> governs reinvestigations and the reinsertion of disputed information.\n\nDetails of the Violation : 1."]},"sort":[16.075748,"11716143"]},{"_index":"complaint-public-v1","_id":"11790094","_score":16.052364,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THIS IS A CFPB COMPLAINT, NOT A DISPUTE OF CREDIT REPORTING, BUT A COMPLAINT AGAINST EXPERIAN. \n\nDear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for multiple violations of federal laws, including the Fair Credit Reporting Act ( FCRA ), for inaccurately and unlawfully reporting an unverified bankruptcy on my credit report. Despite repeated efforts to resolve this issue, Experian has failed to act appropriately. \n\nAdditionally, due to the recent CFPB lawsuit against Experian on XX/XX/year>, I feel that this action validates my complaints. XXXX practices have caused significant harm to my credit and financial opportunities, as their responses to my earlier disputes stated that accounts were verified, yet they failed to provide any details about the investigations conducted. \n\n\nSummary of Violations Experian has violated the following laws : XXXX. 15 U.S.C. 1681b ( 2 ) : Permissible purposes of consumer reports Experian has no permissible purpose to report an unverified and inaccurate bankruptcy. \n\nXXXX. 15 U.S.C. 1681q : Obtaining information under false pretenses Experian falsely claims to rely on XXXX for this bankruptcy information, which XXXX has confirmed is not accurate or provided by them. \n\nXXXX. 18 U.S.C. 1028A : Aggravated identity theft By falsely reporting this bankruptcy, Experian has effectively damaged my identity and financial reputation. \n\nXXXX. 15 U.S.C. 1681c-2 : Blocking of information resulting from identity theft Experian has failed to take action to remove the inaccurate item, even after being provided proof that the bankruptcy is not valid or verified. \n\n\nKey Facts Experian claims that XXXX is furnishing the bankruptcy information ; however, XXXX has provided me with written proof that they are not reporting this bankruptcy. \n\nXXXX has initiated disputes on my behalf more than XXXX times over the past XXXX years, with no response or correction from Experian. \n\nDespite multiple notices, Experian continues to report this inaccurate bankruptcy, causing significant harm to my credit score and financial well-being. \n\n\nMy Demands XXXX. Immediate Removal : I demand that Experian immediately remove the inaccurate and unverified bankruptcy from my credit report. \n\nXXXX. Compliance Assurance : Experian must demonstrate compliance with federal laws, including the proper verification and handling of reported information. \n\nXXXX. Accountability : If Experian does not resolve this matter promptly, I will pursue further legal action to seek remedies for the damages caused. \n\n\nI have attached supporting documentation, including correspondence with XXXX, to substantiate my claims. Experians ongoing failures and negligence have negatively impacted my credit and financial opportunities. I trust the CFPB will take appropriate action to hold Experian accountable and ensure compliance with the law. \n\n\nThank you for your attention to this matter.","date_sent_to_company":"2025-01-27T05:01:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"11790094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-27T04:52:47.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite multiple notices, Experian continues to report this inaccurate bankruptcy, <em>causing</em> <em>significant</em> <em>harm</em> to my credit score and financial well-being. \n\n\nMy Demands XXXX. Immediate Removal : I demand that Experian immediately remove the inaccurate and unverified bankruptcy from my credit report. \n\nXXXX. <em>Compliance</em> Assurance : Experian must demonstrate <em>compliance</em> with federal <em>laws</em>, including the proper verification and handling of reported information. \n\nXXXX."]},"sort":[16.052364,"11790094"]},{"_index":"complaint-public-v1","_id":"9861079","_score":16.027918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against XXXX XXXX XXXX XXXX their inaccurate and misleading reporting of information to the credit reporting agencies. Specifically, XXXX XXXX XXXX  has reported my account as \" charged off '' with a written-off amount of {$150.00}. I believe this information is erroneous and does not accurately reflect my payment history or the current status of the account. \n\nDetails of the Dispute : Inaccurate Reporting : XXXX XXXX XXXX  has reported my account as \" charged off, '' which does not accurately reflect my payment history or the current status of the account. This has caused significant harm to my credit profile and score. \n\nViolation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, XXXX XXXX XXXX  is required to ensure that the information they report to the credit bureaus is accurate and complete. Their failure to report accurate information constitutes a violation of federal law and has led to unnecessary damage to my creditworthiness. \n\nFailure to Address Dispute : Despite my attempts to resolve this issue directly with XXXX XXXX XXXX  XXXX they have failed to correct the inaccurate information or provide a satisfactory explanation. Their lack of response and inaction have exacerbated the harm to my credit profile. \n\nRequested Resolution : I request that the CFPB take the following actions : Initiate an Investigation : Conduct a thorough investigation into Self Financial/Lead Banks credit reporting practices to ensure compliance with the FCRA. \n\nCorrect the Inaccuracies : Require XXXX XXXX XXXX  to correct the inaccurate information on my credit report and update all XXXX  major credit reporting agencies accordingly. \n\nEnsure Compliance : Monitor XXXX XXXX XXXX  to ensure they comply with the FCRA and prevent similar issues from occurring in the future. \n\nSupporting Documents : I have attached a copy of my dispute letter to XXXX XXXX XXXX  XXXX as well as my credit report showing the disputed account information. \n\nConclusion : XXXX XXXX XXXX  actions have caused significant financial and emotional distress. I seek the CFPBs assistance in rectifying this situation and holding XXXX XXXX XXXX  accountable for their failure to comply with federal credit reporting laws. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-08-20T21:31:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"9861079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-08-20T21:29:13.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Details of the Dispute : Inaccurate Reporting : XXXX XXXX XXXX  has reported my account as \" charged off, '' <em>which</em> does not accurately reflect my payment history or the current status of the account. This has <em>caused</em> <em>significant</em> <em>harm</em> to my credit profile and score. \n\nViolation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, XXXX XXXX XXXX  is required to ensure that the information they report to the credit bureaus is accurate and complete."]},"sort":[16.027918,"9861079"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4556,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4556}]}},"product":{"doc_count":4556,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4016,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3997},{"key":"Other personal consumer report","doc_count":19}]}},{"key":"Debt 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