{"took":840,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":16912,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21711471","_score":13.636195,"_source":{"product":"Debt collection","complaint_what_happened":"I dispute the continued furnishing of this tradeline as inaccurate and misleading. My dispute is no longer limited to validation of debt ownership. It is focused on credit reporting compliance and furnishing accuracy. \n\nThe company has provided origination and assignment paperwork, but that does not resolve whether the tradeline is being reported in compliance with FCRA duties of accuracy and reasonable investigation after dispute. \n\nMy concerns include : XXXX. A former revolving credit card obligation is being reported as an Other Loan, materially misstating the nature of the account. \n\nXXXX. The account is reported as Open, although this is not an active open credit relationship but an alleged purchased collection obligation. \n\nXXXX. The XX/XX/year> opened date appears tied to transfer/purchase rather than the original account opening date, creating a misleading chronology and making the debt appear newer. \n\nXXXX. The same underlying obligation appears tied to multiple tradelines, creating duplicate/conflicting derogatory harm. \n\nXXXX. After receiving disputes, the company relied on generic ownership documents rather than specifically addressing the disputed furnishing fields or demonstrating a reasonable reinvestigation. \n\nI request immediate correction of all inaccurate XXXX XXXX furnished data fields across all bureaus, or deletion of the tradeline if full compliant verification can not be established.","date_sent_to_company":"2026-04-29T16:19:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"24019","tags":null,"has_narrative":true,"complaint_id":"21711471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2026-04-29T16:08:26.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I dispute the continued <em>furnishing</em> of this tradeline as inaccurate and misleading. My dispute is no longer limited to validation of debt ownership. It is focused on credit <em>reporting</em> <em>compliance</em> and <em>furnishing</em> accuracy. \n\nThe company has provided origination and assignment paperwork, but that does not resolve whether the tradeline is being <em>reported</em> in <em>compliance</em> with FCRA duties of accuracy and reasonable investigation after dispute. \n\nMy concerns include : XXXX."]},"sort":[13.636195,"21711471"]},{"_index":"complaint-public-v1","_id":"5534275","_score":13.262592,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ). They have not been reporting inaccurate information.\n\nUnder Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. \nIf the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information. \n\nTo ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus","date_sent_to_company":"2022-05-03T18:51:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55411","tags":null,"has_narrative":true,"complaint_id":"5534275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-05-03T17:30:11.000Z","state":"MN","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":["The credit bureaus have failed and they have been <em>reporting</em> inaccurate information. \n\nTo ensure <em>compliance</em> with these <em>obligations</em>, if <em>furnishers</em> are <em>reporting</em> information to consumer <em>reporting</em> agencies about a credit <em>obligation</em> or account that is current, they should consider ALL of the trade line information they <em>furnish</em> that reflects a consumers status as well as the credit bureaus"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.262592,"5534275"]},{"_index":"complaint-public-v1","_id":"5534274","_score":13.262592,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ). They have not been reporting inaccurate information.\n\nUnder Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current.\n\nIf the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information.\n\nTo ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus","date_sent_to_company":"2022-05-03T18:52:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55411","tags":null,"has_narrative":true,"complaint_id":"5534274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-05-03T18:52:05.000Z","state":"MN","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The credit bureaus have failed and they have been <em>reporting</em> inaccurate information.\n\nTo ensure <em>compliance</em> with these <em>obligations</em>, if <em>furnishers</em> are <em>reporting</em> information to consumer <em>reporting</em> agencies about a credit <em>obligation</em> or account that is current, they should consider ALL of the trade line information they <em>furnish</em> that reflects a consumers status as well as the credit bureaus"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.262592,"5534274"]},{"_index":"complaint-public-v1","_id":"18388297","_score":12.744526,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding an account that was resolved through settlement and paid, yet continues to be reported on my consumer credit report without a balance and without a clear or accurate account status. \n\nThe account was settled and paid for a small amount, and there is no remaining financial obligation. However, the furnisher and credit reporting agency continue to report the account despite the absence of a numeric balance or any active obligation. \n\nI previously disputed this account and requested verification. The furnisher has continued reporting the tradeline without clearly reflecting a XXXX balance or providing a lawful basis for continued reporting. \n\nReporting an account that has been settled and paid, without a balance and without a clear reporting purpose, is misleading and fails to meet the Fair Credit Reporting Act requirement of maximum possible accuracy. \n\nThis complaint is submitted to require the furnisher and credit reporting agency to formally certify compliance with federal consumer protection law under CFPB supervision.","date_sent_to_company":"2025-12-31T03:42:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"07108","tags":null,"has_narrative":true,"complaint_id":"18388297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2025-12-31T03:39:38.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["This complaint is submitted to require the <em>furnisher</em> and credit <em>reporting</em> agency to formally certify <em>compliance</em> with federal consumer protection law under CFPB supervision."]},"sort":[12.744526,"18388297"]},{"_index":"complaint-public-v1","_id":"15532095","_score":12.691185,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"unauthorized hard inquiries have been placed on my credit profile. These inquiries were not authorized by me, nor did I provide written consent as required under the Fair Credit Reporting Act. It is a violation of federal law for any credit reporting agency or data furnisher to access or report my personal credit file without proper and verifiable authorization. In addition, the failure to adequately verify consumer identity prior to the furnishing of these inquiries constitutes negligence and non-compliance with FCRA obligations.","date_sent_to_company":"2025-08-26T16:02:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23462","tags":null,"has_narrative":true,"complaint_id":"15532095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-26T15:49:51.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["These inquiries were not authorized by me, nor did I provide written consent as required under the Fair Credit <em>Reporting</em> Act. It is a violation of federal law for any credit <em>reporting</em> agency or data <em>furnisher</em> to access or <em>report</em> my personal credit file without proper and verifiable authorization. In addition, the failure to adequately verify consumer identity prior to the <em>furnishing</em> of these inquiries constitutes negligence and non-<em>compliance</em> with FCRA <em>obligations</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[12.691185,"15532095"]},{"_index":"complaint-public-v1","_id":"15532096","_score":12.674968,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"unauthorized hard inquiries have been placed on my credit profile. These inquiries were not authorized by me, nor did I provide written consent as required under the Fair Credit Reporting Act. It is a violation of federal law for any credit reporting agency or data furnisher to access or report my personal credit file without proper and verifiable authorization. In addition, the failure to adequately verify consumer identity prior to the furnishing of these inquiries constitutes negligence and non-compliance with FCRA obligations.","date_sent_to_company":"2025-08-26T16:02:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23462","tags":null,"has_narrative":true,"complaint_id":"15532096","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-26T15:49:51.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["These inquiries were not authorized by me, nor did I provide written consent as required under the Fair Credit <em>Reporting</em> Act. It is a violation of federal law for any credit <em>reporting</em> agency or data <em>furnisher</em> to access or <em>report</em> my personal credit file without proper and verifiable authorization. In addition, the failure to adequately verify consumer identity prior to the <em>furnishing</em> of these inquiries constitutes negligence and non-<em>compliance</em> with FCRA <em>obligations</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[12.674968,"15532096"]},{"_index":"complaint-public-v1","_id":"15514976","_score":12.674968,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"unauthorized hard inquiries have been placed on my credit profile. These inquiries were not authorized by me, nor did I provide written consent as required under the Fair Credit Reporting Act. It is a violation of federal law for any credit reporting agency or data furnisher to access or report my personal credit file without proper and verifiable authorization. In addition, the failure to adequately verify consumer identity prior to the furnishing of these inquiries constitutes negligence and non-compliance with FCRA obligations.","date_sent_to_company":"2025-08-26T16:02:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23462","tags":null,"has_narrative":true,"complaint_id":"15514976","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-26T15:39:13.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["These inquiries were not authorized by me, nor did I provide written consent as required under the Fair Credit <em>Reporting</em> Act. It is a violation of federal law for any credit <em>reporting</em> agency or data <em>furnisher</em> to access or <em>report</em> my personal credit file without proper and verifiable authorization. In addition, the failure to adequately verify consumer identity prior to the <em>furnishing</em> of these inquiries constitutes negligence and non-<em>compliance</em> with FCRA <em>obligations</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[12.674968,"15514976"]},{"_index":"complaint-public-v1","_id":"12118615","_score":12.393243,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion is inaccurately reporting public information on my credit report.\n\nUnauthorized child support reporting is a violation of 15 U.S.Code 1681b and 1681a ( 3 ) ( A ).\n\nThe inclusion of child support obligations as a credit account is INACCURATE and a violation of the FAIR CREDIT REPORTING ACT Under 15 U.S.Code 1681b, a consumer reporting agency may only furnish a credit report if there is a permissible purpose. According to 15 U.S.Code 1681a ( 3 ) ( A ), a Credit Transaction must involve an expectation of repayment. CHILD SUPPORT obligations do not meet this standard, as they are court -ordered financial obligations and not credit transactions voluntarily entered into by the consumer. \n\nIn XXXX XXXX Transunion XXXX XXXX, the court had addressed similar issues regarding the improper furnishing of consumer credit information. Reporting child support as a credit account MISREPRESENTS its nature, unfairly impacting my creditworthiness. \nALL CREDIT REPORTING AGENCIES SHOULD NOT BE REPORTING INACCURATE PUBLIC INFORMATION THAT IS NOT COMPLIANCE WITH FEDERAL LAW ON A CONSUMER REPORT.","date_sent_to_company":"2025-02-25T01:08:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85041","tags":null,"has_narrative":true,"complaint_id":"12118615","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-18T17:03:16.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["ALL CREDIT <em>REPORTING</em> AGENCIES SHOULD NOT BE <em>REPORTING</em> INACCURATE PUBLIC INFORMATION THAT IS NOT <em>COMPLIANCE</em> WITH FEDERAL LAW ON A CONSUMER <em>REPORT</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[12.393243,"12118615"]},{"_index":"complaint-public-v1","_id":"12119002","_score":12.39274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion is inaccurately reporting public information on my credit report.\n\nUnauthorized child support reporting is a violation of 15 U.S.Code 1681b and 1681a ( 3 ) ( A ).\n\nThe inclusion of child support obligations as a credit account is INACCURATE and a violation of the FAIR CREDIT REPORTING ACT Under 15 U.S.Code 1681b, a consumer reporting agency may only furnish a credit report if there is a permissible purpose. According to 15 U.S.Code 1681a ( 3 ) ( A ), a Credit Transaction must involve an expectation of repayment. CHILD SUPPORT obligations do not meet this standard, as they are court -ordered financial obligations and not credit transactions voluntarily entered into by the consumer. \n\nIn XXXX XXXX Transunion XXXX XXXX, the court had addressed similar issues regarding the improper furnishing of consumer credit information. Reporting child support as a credit account MISREPRESENTS its nature, unfairly impacting my creditworthiness. \nALL CREDIT REPORTING AGENCIES SHOULD NOT BE REPORTING INACCURATE PUBLIC INFORMATION THAT IS NOT COMPLIANCE WITH FEDERAL LAW ON A CONSUMER REPORT.","date_sent_to_company":"2025-02-25T01:08:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85041","tags":null,"has_narrative":true,"complaint_id":"12119002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-18T17:26:20.000Z","state":"AZ","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["ALL CREDIT <em>REPORTING</em> AGENCIES SHOULD NOT BE <em>REPORTING</em> INACCURATE PUBLIC INFORMATION THAT IS NOT <em>COMPLIANCE</em> WITH FEDERAL LAW ON A CONSUMER <em>REPORT</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[12.39274,"12119002"]},{"_index":"complaint-public-v1","_id":"18545067","_score":12.25105,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against CREDIT COLLECTION SERV, which is reporting a {$1200.00} collection account ( Acct. # XXXX ) with the alleged original creditor listed as XXXX, an XXXX XXXX. I never received any written notice, validation letter, or initial communication from this company before or after this account appeared on my credit reports. I became aware of this alleged debt only through credit reporting, which is a serious compliance issue under federal law. \nDespite disputing this account and requesting validation, CREDIT COLLECTION SERV has continued to report the collection without providing any documentation establishing that the debt is legitimate, accurate, or legally collectible. To date, the company has not produced a contract or insurance agreement, a detailed explanation of the alleged obligation, an itemized accounting of the {$1200.00} balance, proof of assignment or authority to collect on behalf of XXXX, or copies of any notices it claims were sent to me. \nCREDIT COLLECTION SERV is a third-party debt collector that furnishes data to consumer reporting agencies and therefore has obligations under both the FDCPA and the FCRA. Reporting a collection account while failing to provide written notice and validation raises concerns regarding false or misleading representations, unfair collection practices, and the furnishing of unverified credit information. Continued reporting without substantiation is not a clerical issue ; it is ongoing non-compliance.","date_sent_to_company":"2026-01-07T21:04:13.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"18545067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2026-01-07T20:50:47.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["<em>Reporting</em> a collection account while failing to provide written notice and validation raises concerns regarding false or misleading representations, unfair collection practices, and the <em>furnishing</em> of unverified credit information. Continued <em>reporting</em> without substantiation is not a clerical issue ; it is ongoing non-<em>compliance</em>."]},"sort":[12.25105,"18545067"]},{"_index":"complaint-public-v1","_id":"18388112","_score":12.158853,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding an auto loan that was paid in full and closed, yet continues to be reported with an unclear and non-numeric balance indicated as on my consumer credit report. \n\nI previously disputed this account and requested verification from the furnisher. The account is paid, closed, and there is no remaining financial obligation. However, the credit reporting agency continues to publish an ambiguous balance rather than accurately reflecting a XXXX dollar balance or removing the tradeline. \n\nReporting a paid and closed auto loan with a non-numeric balance fails to meet the Fair Credit Reporting Act requirement of maximum possible accuracy and creates confusion as to whether an obligation exists. \n\nAdditionally, the continued reporting of this account after payoff, without clearly and accurately stating the final account status, serves no legitimate reporting purpose and results in ongoing harm to my credit profile. \n\nThis complaint is submitted to require the furnisher and credit reporting agency to formally certify compliance with federal law under CFPB supervision.","date_sent_to_company":"2025-12-31T03:31:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"07108","tags":null,"has_narrative":true,"complaint_id":"18388112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-12-31T03:27:48.000Z","state":"NJ","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Additionally, the continued <em>reporting</em> of this account after payoff, without clearly and accurately stating the final account status, serves no legitimate <em>reporting</em> purpose and results in ongoing harm to my credit profile. \n\nThis complaint is submitted to require the <em>furnisher</em> and credit <em>reporting</em> agency to formally certify <em>compliance</em> with federal law under CFPB supervision."]},"sort":[12.158853,"18388112"]},{"_index":"complaint-public-v1","_id":"18727001","_score":12.08854,"_source":{"product":"Debt collection","complaint_what_happened":"This situation has caused me considerable stress and harm. Federal law under 15 U.S.C. 1681s-2 ( a ) requires data furnishers to ensure that all reported information is accurate and complete. The company has failed to meet this obligation and continues to report inaccurate or unverifiable information. This conduct violates my rights under the Fair Credit Reporting Act, and I am requesting CFPB intervention to ensure compliance and correction.","date_sent_to_company":"2026-01-14T21:23:59.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"77545","tags":null,"has_narrative":true,"complaint_id":"18727001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2026-01-14T20:56:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Federal law under 15 U.S.C. 1681s-2 ( a ) requires data <em>furnishers</em> to ensure that all <em>reported</em> information is accurate and complete. The company has failed to meet this <em>obligation</em> and continues to <em>report</em> inaccurate or unverifiable information. This conduct violates my rights under the Fair Credit <em>Reporting</em> Act, and I am requesting CFPB intervention to ensure <em>compliance</em> and correction."]},"sort":[12.08854,"18727001"]},{"_index":"complaint-public-v1","_id":"18216573","_score":11.986914,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against TransUnion regarding its failure to conduct a reasonable reinvestigation of an XXXX XXXX XXXX XXXX  tradeline reported on my credit file. \n\nI disputed the XXXX XXXX account with TransUnion and identified specific inaccuracies and legal defects, including unresolved questions regarding the accounts enforceability under Illinois law. In particular, I raised concerns that the transaction may violate the Illinois Predatory Loan Prevention Act ( PLPA ), which caps the annual percentage rate for covered loans at 36 % and provides that loans made in excess of that cap are void and unenforceable. The contract itself acknowledges that the applicable APR under Illinois law may differ from the disclosed Truth-in-Lending APR, yet no PLPA-compliant APR calculation has been produced demonstrating compliance.\n\nI also disputed TransUnions reporting of an accelerated balance where the creditor has not demonstrated lawful authority to enforce the obligation or compliance with applicable consumer-protection requirements. I informed TransUnion that this account is the subject of active regulatory complaints with the Illinois Attorney General, the Illinois Department of Financial & Professional Regulation, and the Federal Trade Commission.\n\nDespite receiving this detailed dispute, TransUnion verified or continued to report the tradeline without disclosing what documents were reviewed or whether the furnisher provided competent documentation addressing enforceability, PLPA compliance, lawful authority to collect, or the or the accuracy of the balance reported. TransUnion did not indicate that any PLPA-related review was conducted or that the legal status of the obligation was assessed.\n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation and to ensure that information reported is accurate and not misleading. Verifying a tradeline without reviewing documentation addressing disputed legal enforceability and statutory compliance does not satisfy this obligation. \n\nBy continuing to report this tradeline without addressing these issues, TransUnion is furnishing credit information that is misleading and potentially inaccurate, causing ongoing consumer harm. \n\nI respectfully request that the CFPB review TransUnions reinvestigation practices in this matter and require corrective action, including deletion or correction of the XXXX XXXX tradeline and confirmation that TransUnions reinvestigation procedures comply with federal law.","date_sent_to_company":"2025-12-22T13:21:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19803","tags":null,"has_narrative":true,"complaint_id":"18216573","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-22T13:13:36.000Z","state":"DE","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":["Despite receiving this detailed dispute, TransUnion verified or continued to <em>report</em> the tradeline without disclosing what documents were reviewed or whether the <em>furnisher</em> provided competent documentation addressing enforceability, PLPA <em>compliance</em>, lawful authority to collect, or the or the accuracy of the balance <em>reported</em>. TransUnion did not indicate that any PLPA-related review was conducted or that the legal status of the <em>obligation</em> was assessed."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.986914,"18216573"]},{"_index":"complaint-public-v1","_id":"7367743","_score":11.972182,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There is a company called Synchrony Bank/ Rooms to Go furnishing information on my consumer report illegally pursuant to 15 USC 1681b ( 2 ) permissible purposes of consumer reports. \n( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. \n\nI never gave this company consent to report information on my consumer report. \n\nThey also failed to give me the disclosures to \" opt out '' of having my account information furnished on my report which is out of compliance pursuant to 15 USC 6802b Obligations with respect to disclosures of personal information. \n\nIt was unlawfully enforced.","date_sent_to_company":"2023-08-09T00:25:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37130","tags":null,"has_narrative":true,"complaint_id":"7367743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-08-09T00:04:34.000Z","state":"TN","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 never gave this company consent to <em>report</em> information on my consumer <em>report</em>. \n\nThey also failed to give me the disclosures to \" opt out '' of having my account information <em>furnished</em> on my <em>report</em> which is out of <em>compliance</em> pursuant to 15 USC 6802b <em>Obligations</em> with respect to disclosures of personal information. \n\nIt was unlawfully enforced."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.972182,"7367743"]},{"_index":"complaint-public-v1","_id":"11384747","_score":11.9593935,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a complaint last in XX/XX/XXXX, here it is XX/XX/XXXX and the company hasn't responded within the mandated XXXX investigation period. According to the FCRA, if a furnisher fails to verify the accuracy of disputed information with the specified timeframe, the disputed information must be removed from my credit report. I request the CFPB 's assistance in ensuring compliance with these legal obligations. \n\nThe original complaint number for this claim is XXXX","date_sent_to_company":"2025-01-04T12:08:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"234XX","tags":null,"has_narrative":true,"complaint_id":"11384747","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-01-04T12:08:14.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["According to the FCRA, if a <em>furnisher</em> fails to verify the accuracy of disputed information with the specified timeframe, the disputed information must be removed from my credit <em>report</em>. I request the CFPB 's assistance in ensuring <em>compliance</em> with these legal <em>obligations</em>. \n\nThe original complaint number for this claim is XXXX"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.9593935,"11384747"]},{"_index":"complaint-public-v1","_id":"8643241","_score":11.935132,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax has failed to conduct a timely investigation, as required by the Fair Credit Reporting Act ( FCRA ), regarding my dispute. Despite multiple requests and attempts, Equifax has not fulfilled its obligation to conduct a thorough investigation into the inaccuracies on my consumer report. Instead, they have repeatedly restarted the investigation process without providing the method of verification or the results of their inquiries. This prolonged delay and disregard for FCRA guidelines constitute fraudulent behavior and demonstrate non-compliance with consumer protection laws. Additionally, Equifaxs unauthorized furnishing of my consumer report to third parties without my consent and without permissible purposes further exacerbates the situation. I demand immediate action to rectify these violations and ensure compliance with FCRA regulations.","date_sent_to_company":"2024-03-27T16:11:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20772","tags":null,"has_narrative":true,"complaint_id":"8643241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-27T15:57:34.000Z","state":"MD","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["This prolonged delay and disregard for FCRA guidelines constitute fraudulent behavior and demonstrate non-<em>compliance</em> with consumer protection laws. Additionally, Equifaxs unauthorized <em>furnishing</em> of my consumer <em>report</em> to third parties without my consent and without permissible purposes further exacerbates the situation. I demand immediate action to rectify these violations and ensure <em>compliance</em> with FCRA regulations."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.935132,"8643241"]},{"_index":"complaint-public-v1","_id":"4649500","_score":11.894602,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am making a final goodwill attempt to have you clear up this matter with EQUIFAX Due to the covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have listed the late payments on my report I want to be removed because I'm a victim of covid-19 and legally you should not have put them there.\n\nFailure to comply is a direct violation of FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E. : Whenever furnishers provide information to consumer reporting agencies, they have obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V.5 To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider all of the trade line information they furnish that reflects a consumers status as current or delinquent.\n\nThe following account ( s ) is/are listed as being reported late. Please update them due to the forbearance program regulations. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be updated to accurately reflect a clean payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21","date_sent_to_company":"2021-08-20T23:13:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32256","tags":null,"has_narrative":true,"complaint_id":"4649500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-08-20T23:09:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":[". : Whenever <em>furnishers</em> provide information to consumer <em>reporting</em> agencies, they have <em>obligations</em> related to the accuracy and integrity of the information they <em>furnish</em> under the FCRA and Regulation V.5 To ensure <em>compliance</em> with these <em>obligations</em>, if <em>furnishers</em> are <em>reporting</em> information to consumer <em>reporting</em> agencies about a credit <em>obligation</em> or account that is current, they should consider all of the trade line information they <em>furnish</em> that reflects a consumers status as current or delinquent."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.894602,"4649500"]},{"_index":"complaint-public-v1","_id":"14536630","_score":11.826344,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"These accounts are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to remove fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items immediately to remain in compliance. \nXXXX XXXX XX/XX/year>","date_sent_to_company":"2025-07-10T05:11:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60901","tags":null,"has_narrative":true,"complaint_id":"14536630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-10T04:52:43.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Both the credit <em>reporting</em> agency and the data <em>furnisher</em> have failed to comply with FCRA provisions, including the <em>obligation</em> to remove fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items immediately to remain in <em>compliance</em>. \nXXXX XXXX XX/XX/year>"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.826344,"14536630"]},{"_index":"complaint-public-v1","_id":"10739978","_score":11.816398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against XXXX for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent account opened in my name ( Account # XXXX ). \nTimeline of Communications : XX/XX/year> : Sent initial identity theft notification letter including : FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document with highlighted FCRA obligations Request for removal from all three credit bureaus Certified Mail Tracking # XXXX Delivered XX/XX/year>, at XXXX XXXX  XX/XX/year> : Sent follow-up letter including : Police report FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document To date : No response received by either myself or my power of attorney Legal Violations : Section 623 ( a ) ( 6 ) of the FCRA requires that upon receiving notice of identity theft : Furnishers must cease furnishing information relating to the consumer to any credit reporting agency Furnishers must notify all credit reporting agencies that previously received the information that the information was fraudulent Furnishers must implement reasonable procedures to prevent refurnishing of the fraudulent information Section 623 ( a ) ( 2 ) of the FCRA requires furnishers to : Conduct an investigation upon receiving notice of identity theft Review all relevant information provided by the consumer Report the results to the consumer XXXX has failed to meet any of these obligations despite : Receiving proper notice via certified mail Being provided with comprehensive identity theft documentation Receiving a follow-up communication with additional documentation Being explicitly informed of their legal obligations via the CFPB notice Impact : This continued reporting of fraudulent information has : Damaged my credit score Caused significant emotional distress Created financial hardship Required extensive time and effort to attempt to resolve Generated unnecessary legal expenses Requested Resolution : Immediate cessation of all reporting related to this fraudulent account Notification to all credit bureaus that the account is fraudulent Removal of all related information from my credit reports Written confirmation of all actions taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure XXXX 's compliance with their obligations under the FCRA. Their continued failure to respond or take appropriate action demonstrates willful noncompliance with federal law.","date_sent_to_company":"2024-11-09T23:36:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"10739978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-09T23:36:01.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure XXXX 's <em>compliance</em> with their <em>obligations</em> under the FCRA."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.816398,"10739978"]},{"_index":"complaint-public-v1","_id":"10741061","_score":11.799982,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Bridgecrest for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent account opened in my name ( Account # XXXX ). \nTimeline of Communications : XX/XX/year> : Sent initial identity theft notification letter including : FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document with highlighted FCRA obligations Request for removal from all three credit bureaus Certified Mail Tracking # XXXX Delivered XX/XX/year>, at XXXX am XX/XX/year> : Sent follow-up letter including : Police report FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document To date : No response received by either myself or my power of attorney Legal Violations : Section 623 ( a ) ( 6 ) of the FCRA requires that upon receiving notice of identity theft : Furnishers must cease furnishing information relating to the consumer to any credit reporting agency Furnishers must notify all credit reporting agencies that previously received the information that the information was fraudulent Furnishers must implement reasonable procedures to prevent refurnishing of the fraudulent information Section 623 ( a ) ( 2 ) of the FCRA requires furnishers to : Conduct an investigation upon receiving notice of identity theft Review all relevant information provided by the consumer Report the results to the consumer Bridgecrest has failed to meet any of these obligations despite : Receiving proper notice via certified mail Being provided with comprehensive identity theft documentation Receiving a follow-up communication with additional documentation Being explicitly informed of their legal obligations via the CFPB notice Impact : This continued reporting of fraudulent information has : Damaged my credit score Caused significant emotional distress Created financial hardship Required extensive time and effort to attempt to resolve Generated unnecessary legal expenses Requested Resolution : Immediate cessation of all reporting related to this fraudulent account Notification to all credit bureaus that the account is fraudulent Removal of all related information from my credit reports Written confirmation of all actions taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure Bridgecrest 's compliance with their obligations under the FCRA. Their continued failure to respond or take appropriate action demonstrates willful noncompliance with federal law.","date_sent_to_company":"2024-11-09T23:35:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"10741061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2024-11-09T23:19:08.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["of all actions taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure Bridgecrest 's <em>compliance</em> with their <em>obligations</em> under the FCRA."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.799982,"10741061"]},{"_index":"complaint-public-v1","_id":"10740907","_score":11.783104,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against XXXX for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent account opened in my name ( Account # XXXX ). \nTimeline of Communications : XX/XX/2024 : Sent initial identity theft notification letter including : FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document with highlighted FCRA obligations Request for removal from all three credit bureaus Certified Mail Tracking # XXXX Delivered XX/XX/2024, at XXXX XXXX  XX/XX/2024 : Sent follow-up letter including : Police report FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document To date : No response received by either myself or my power of attorney Legal Violations : Section 623 ( a ) ( 6 ) of the FCRA requires that upon receiving notice of identity theft : Furnishers must cease furnishing information relating to the consumer to any credit reporting agency Furnishers must notify all credit reporting agencies that previously received the information that the information was fraudulent Furnishers must implement reasonable procedures to prevent refurnishing of the fraudulent information Section 623 ( a ) ( 2 ) of the FCRA requires furnishers to : Conduct an investigation upon receiving notice of identity theft Review all relevant information provided by the consumer Report the results to the consumer XXXX has failed to meet any of these obligations despite : Receiving proper notice via certified mail Being provided with comprehensive identity theft documentation Receiving a follow-up communication with additional documentation Being explicitly informed of their legal obligations via the CFPB notice Impact : This continued reporting of fraudulent information has : Damaged my credit score Caused significant emotional distress Created financial hardship Required extensive time and effort to attempt to resolve Generated unnecessary legal expenses Requested Resolution : Immediate cessation of all reporting related to this fraudulent account Notification to all credit bureaus that the account is fraudulent Removal of all related information from my credit reports Written confirmation of all actions taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure XXXX 's compliance with their obligations under the FCRA. Their continued failure to respond or take appropriate action demonstrates willful noncompliance with federal law.","date_sent_to_company":"2024-11-09T23:36:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"10740907","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-09T23:36:01.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure XXXX 's <em>compliance</em> with their <em>obligations</em> under the FCRA."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.783104,"10740907"]},{"_index":"complaint-public-v1","_id":"10740906","_score":11.783104,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against XXXX for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent account opened in my name ( Account # XXXX ). \nTimeline of Communications : XX/XX/year> : Sent initial identity theft notification letter including : FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document with highlighted FCRA obligations Request for removal from all three credit bureaus Certified Mail Tracking # XXXX Delivered XX/XX/year>, at XXXX XXXX  XX/XX/year> : Sent follow-up letter including : Police report FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document To date : No response received by either myself or my power of attorney Legal Violations : Section 623 ( a ) ( 6 ) of the FCRA requires that upon receiving notice of identity theft : Furnishers must cease furnishing information relating to the consumer to any credit reporting agency Furnishers must notify all credit reporting agencies that previously received the information that the information was fraudulent Furnishers must implement reasonable procedures to prevent refurnishing of the fraudulent information Section 623 ( a ) ( 2 ) of the FCRA requires furnishers to : Conduct an investigation upon receiving notice of identity theft Review all relevant information provided by the consumer Report the results to the consumer XXXX has failed to meet any of these obligations despite : Receiving proper notice via certified mail Being provided with comprehensive identity theft documentation Receiving a follow-up communication with additional documentation Being explicitly informed of their legal obligations via the CFPB notice Impact : This continued reporting of fraudulent information has : Damaged my credit score Caused significant emotional distress Created financial hardship Required extensive time and effort to attempt to resolve Generated unnecessary legal expenses Requested Resolution : Immediate cessation of all reporting related to this fraudulent account Notification to all credit bureaus that the account is fraudulent Removal of all related information from my credit reports Written confirmation of all actions taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure XXXX 's compliance with their obligations under the FCRA. Their continued failure to respond or take appropriate action demonstrates willful noncompliance with federal law.","date_sent_to_company":"2024-11-09T23:36:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"10740906","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-09T23:36:01.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure XXXX 's <em>compliance</em> with their <em>obligations</em> under the FCRA."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.783104,"10740906"]},{"_index":"complaint-public-v1","_id":"8316075","_score":11.742206,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. \n\nWho is going to govern these agencies?\n\nBy the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nXXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX  - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX  XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX  - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX  - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 Incorrect Name - XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 about Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 about Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 about Trans Union XXXX XXXX, and XXXX have violated my rights.\n\n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.","date_sent_to_company":"2024-02-09T16:51:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32256","tags":null,"has_narrative":true,"complaint_id":"8316075","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-09T16:51:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1681e - <em>Compliance</em> procedures ( b ) Accuracy of <em>report</em> Whenever a consumer <em>reporting</em> agency prepares a consumer <em>report</em> it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.742206,"8316075"]},{"_index":"complaint-public-v1","_id":"8316074","_score":11.742206,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. \n\nWho is going to govern these agencies? \n\nBy the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nXXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX  - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX  - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX  - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX  - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - XX/XX/year> - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 Incorrect Name - XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 about Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 about Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - XXXX U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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 about XXXX XXXX  XXXX Experian, and XXXX have violated my rights.\n\n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\n15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.","date_sent_to_company":"2024-02-09T16:51:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32256","tags":null,"has_narrative":true,"complaint_id":"8316074","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-09T16:51:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1681e - <em>Compliance</em> procedures ( b ) Accuracy of <em>report</em> Whenever a consumer <em>reporting</em> agency prepares a consumer <em>report</em> it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - XXXX U.S."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.742206,"8316074"]},{"_index":"complaint-public-v1","_id":"5535401","_score":11.741256,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account number XXXX Account status Open Date opened XX/XX/XXXX Account type FHA Mortgage The credit bureaus and this company has violated my rights under the CARES ACT and COVID-19 Pandemic.Under the FCRA passed by Congress 15 U.S 1681 B -.\n\nPermissible purposes of consumer reports 15 U.S 1681 - Congressional findings and statements of purpose.\n\n15.U.S 1681 C - Requirements relating to information contained in consumer Reports The credit bureaus have violated my rights under all these laws. \n\n\nAccount number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card The credit bureaus and this company has violated my rights under the Under the CARES ACT. It must be deleted Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection The credit bureaus and this company has violated my rights under the HIPPA act. It must be deleted. \nXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ).\n\nThey have not been reporting inaccurate information. Under Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law. Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information. To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus and they have failed in this regard.","date_sent_to_company":"2022-05-03T21:33:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55411","tags":null,"has_narrative":true,"complaint_id":"5535401","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-05-03T20:53:59.000Z","state":"MN","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":["The credit bureaus have failed and they have been <em>reporting</em> inaccurate information. To ensure <em>compliance</em> with these <em>obligations</em>, if <em>furnishers</em> are <em>reporting</em> information to consumer <em>reporting</em> agencies about a credit <em>obligation</em> or account that is current, they should consider ALL of the trade line information they <em>furnish</em> that reflects a consumers status as well as the credit bureaus and they have failed in this regard."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.741256,"5535401"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":16912,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":16912}]}},"product":{"doc_count":16912,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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