{"took":103,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1205,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17059884","_score":24.041035,"_source":{"product":"Student loan","complaint_what_happened":"This complaint is filed by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, the authorized representative for XXXX XXXX, against the Missouri Higher Education Loan Authority ( MOHELA ) for willful violations of the Fair Credit Reporting Act ( FCRA ). Despite receiving two formal dispute letters, MOHELA has failed to provide verifiable documentation or proof establishing ownership and accuracy of the disputed account ( # XXXX ). Instead, it continues to report unverifiable information to the credit bureaus, constituting negligent and willful non-compliance under FCRA 611 and 623. \n\nThe consumers repeated requests for original signed documents and verification results have been ignored, showing MOHELAs disregard for federal obligations and consumer rights. Therefore, through authorized representative XXXX XXXX, the consumer respectfully requests that the CFPB compel MOHELA to provide full evidentiary proof or immediately delete the disputed tradeline from all credit bureaus. The consumer further demands written confirmation of compliance within 15 days, reserving the right to pursue civil remedies for continued non-compliance.","date_sent_to_company":"2025-11-07T06:28:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Federal student loan servicing","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"17059884","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-11-07T06:23:30.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Instead, it <em>continues</em> to <em>report</em> unverifiable information to the credit bureaus, <em>constituting</em> negligent and <em>willful</em> non-<em>compliance</em> under FCRA 611 and 623. \n\nThe consumers repeated requests for original signed documents and verification results have been ignored, showing MOHELAs disregard for federal obligations and consumer rights."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[24.041035,"17059884"]},{"_index":"complaint-public-v1","_id":"22596212","_score":23.383902,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a direct and final escalation of my previous notices. Your continued refusal to provide a lawful, transparent, and verifiable explanation of your actions is not only unacceptableit is a blatant violation of federal compliance requirements and consumer protection statutes. \n\nYou have failed to justify the collection, retention, or reporting of ANY data associated with my name. Your silence and lack of cooperation constitute willful negligence and knowing non-compliance. \n\nLet me reiterate with absolute clarity : I am demanding immediate, unconditional deletion of every data point, file, notation, internal record, audit log, or reported item that you can not substantiate with physical, fully compliant, legally admissible documentation. \nNo assumptions, no automated entries, no unverifiable dataonly proof. \n\nAny record lacking full legal validation must be removed without delay.","date_sent_to_company":"2026-05-27T00:01:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"358XX","tags":null,"has_narrative":true,"complaint_id":"22596212","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-05-26T23:59:05.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Your <em>continued</em> refusal to provide a lawful, transparent, and <em>verifiable</em> explanation of your actions is not only unacceptableit is a blatant violation of federal <em>compliance</em> requirements and consumer protection statutes. \n\nYou have failed to justify the collection, retention, or <em>reporting</em> of ANY data associated with my name. Your silence and lack of cooperation <em>constitute</em> <em>willful</em> negligence and knowing non-<em>compliance</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"]},"sort":[23.383902,"22596212"]},{"_index":"complaint-public-v1","_id":"21253505","_score":23.383902,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a direct and final escalation of my previous notices. Your continued refusal to provide a lawful, transparent, and verifiable explanation of your actions is not only unacceptableit is a blatant violation of federal compliance requirements and consumer protection statutes. \n\nYou have failed to justify the collection, retention, or reporting of ANY data associated with my name. Your silence and lack of cooperation constitute willful negligence and knowing non-compliance. \n\nLet me reiterate with absolute clarity : I am demanding immediate, unconditional deletion of every data point, file, notation, internal record, audit log, or reported item that you can not substantiate with physical, fully compliant, legally admissible documentation. \nNo assumptions, no automated entries, no unverifiable dataonly proof. \n\nAny record lacking full legal validation must be removed without delay.","date_sent_to_company":"2026-04-15T05:37:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60649","tags":null,"has_narrative":true,"complaint_id":"21253505","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-04-15T05:34:59.000Z","state":"IL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Your <em>continued</em> refusal to provide a lawful, transparent, and <em>verifiable</em> explanation of your actions is not only unacceptableit is a blatant violation of federal <em>compliance</em> requirements and consumer protection statutes. \n\nYou have failed to justify the collection, retention, or <em>reporting</em> of ANY data associated with my name. Your silence and lack of cooperation <em>constitute</em> <em>willful</em> negligence and knowing non-<em>compliance</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"]},"sort":[23.383902,"21253505"]},{"_index":"complaint-public-v1","_id":"19953631","_score":23.383902,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"This is a direct and final escalation of my previous notices. Your continued refusal to provide a lawful, transparent, and verifiable explanation of your actions is not only unacceptableit is a blatant violation of federal compliance requirements and consumer protection statutes. \n\nYou have failed to justify the collection, retention, or reporting of ANY data associated with my name. Your silence and lack of cooperation constitute willful negligence and knowing non-compliance. \n\nLet me reiterate with absolute clarity : I am demanding immediate, unconditional deletion of every data point, file, notation, internal record, audit log, or reported item that you can not substantiate with physical, fully compliant, legally admissible documentation. \nNo assumptions, no automated entries, no unverifiable dataonly proof. \n\nAny record lacking full legal validation must be removed without delay.","date_sent_to_company":"2026-03-04T04:39:32.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"245XX","tags":null,"has_narrative":true,"complaint_id":"19953631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2026-03-04T04:36:19.000Z","state":"VA","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["Your <em>continued</em> refusal to provide a lawful, transparent, and <em>verifiable</em> explanation of your actions is not only unacceptableit is a blatant violation of federal <em>compliance</em> requirements and consumer protection statutes. \n\nYou have failed to justify the collection, retention, or <em>reporting</em> of ANY data associated with my name. Your silence and lack of cooperation <em>constitute</em> <em>willful</em> negligence and knowing non-<em>compliance</em>."]},"sort":[23.383902,"19953631"]},{"_index":"complaint-public-v1","_id":"21037953","_score":23.343878,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a direct and final escalation of my previous notices. Your continued refusal to provide a lawful, transparent, and verifiable explanation of your actions is not only unacceptableit is a blatant violation of federal compliance requirements and consumer protection statutes. \n\nYou have failed to justify the collection, retention, or reporting of ANY data associated with my name. Your silence and lack of cooperation constitute willful negligence and knowing non-compliance. \n\nLet me reiterate with absolute clarity : I am demanding immediate, unconditional deletion of every data point, file, notation, internal record, audit log, or reported item that you can not substantiate with physical, fully compliant, legally admissible documentation. \nNo assumptions, no automated entries, no unverifiable dataonly proof. \n\nAny record lacking full legal validation must be removed without delay.","date_sent_to_company":"2026-04-08T02:50:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"21037953","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-04-08T02:44:37.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Your <em>continued</em> refusal to provide a lawful, transparent, and <em>verifiable</em> explanation of your actions is not only unacceptableit is a blatant violation of federal <em>compliance</em> requirements and consumer protection statutes. \n\nYou have failed to justify the collection, retention, or <em>reporting</em> of ANY data associated with my name. Your silence and lack of cooperation <em>constitute</em> <em>willful</em> negligence and knowing non-<em>compliance</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"]},"sort":[23.343878,"21037953"]},{"_index":"complaint-public-v1","_id":"17031079","_score":22.706911,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On behalf of XXXX XXXX XXXX XXXX, this complaint is being filed against Toyota Motor Credit Corporation for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( b ). Toyota Motor Credit has continued to report an unverified and inaccurate account, identified as account number XXXX, to XXXX XXXX  and XXXX  despite receiving multiple formal dispute and verification requests. On XX/XX/year>, XXXX XXXX submitted a written dispute requesting copies of the original signed contract, complete payment history, and all documentation used to verify the accuracy of the account. Toyota Motor Credit failed to provide any of the requested evidence or documentation. A second and final demand was sent on XX/XX/year>, reiterating the verification request and warning that continued reporting without proof would constitute willful noncompliance with federal law. To date, Toyota Motor Credit has failed to produce any substantiating records or explain the procedures it used to verify the information furnished to the credit bureaus.\n\nThis continued reporting of unverifiable information constitutes a clear violation of Toyota Motor Credits obligations under the FCRA, which requires furnishers to conduct a reasonable investigation and provide verifiable evidence when notified of a dispute. Toyota Motor Credits refusal to comply demonstrates both willful disregard and negligent noncompliance with federal reporting standards. As a result, XXXX XXXX has suffered measurable harm to her credit standing, reputation, and emotional well-being due to the ongoing publication of inaccurate information. \n\nThrough her authorized representative, XXXX XXXX of XXXX XXXX XXXX, XXXX, XXXX XXXX respectfully requests that the Consumer Financial Protection Bureau immediately investigate Toyota Motor Credits furnishing practices. The company should be compelled to provide verifiable documentation substantiating the accuracy of the account or, if unable to do so, be required to permanently delete the account from all credit bureau reports. Furthermore, the CFPB is urged to take enforcement and corrective action against Toyota Motor Credit for its continued disregard of FCRA compliance, ensuring that such violations do not persist against other consumers. This complaint is filed pursuant to a valid Consumer Authorization and Limited Assignment Agreement, authorizing XXXX XXXX to act fully on XXXX XXXX behalf in all credit dispute and complaint matters.","date_sent_to_company":"2025-11-06T00:16:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Lease","zip_code":"90266","tags":null,"has_narrative":true,"complaint_id":"17031079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2025-11-06T00:12:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This <em>continued</em> <em>reporting</em> of unverifiable information <em>constitutes</em> a clear violation of Toyota Motor Credits obligations under the FCRA, which requires furnishers to conduct a reasonable investigation and provide <em>verifiable</em> evidence when notified of a dispute. Toyota Motor Credits refusal to comply demonstrates both <em>willful</em> disregard and negligent noncompliance with federal <em>reporting</em> standards."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[22.706911,"17031079"]},{"_index":"complaint-public-v1","_id":"20328572","_score":21.853874,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am filing this complaint against the furnisher for reporting inaccurate, misleading, and unverifiable information on my consumer credit reports, and for failing to correct these issues despite multiple disputes. \n\nThe account in question is being reported in a manner that is internally inconsistent, lacks proper documentation, and does not meet the accuracy standards required under federal law. \n\nDespite prior disputes, the furnisher has continued to verify this account without providing any competent evidence, documentation, or records to support the reported information, including alleged payment history, account status, or delinquency. \n\nUnder the Fair Credit Reporting Act ( FCRA ), all information reported must be 100 % accurate, complete, and verifiable. If a furnisher can not substantiate the information with proper documentation, the information must be removed.\n\nThe continued reporting of this account constitutes violations of : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate and correct disputed information Additionally, verifying disputed information without evidence demonstrates negligent and potentially willful non-compliance, as it reflects a reckless disregard for the accuracy and integrity of consumer data. \n\nI have also not been provided : A complete payment history ledger Original account-level documentation bearing my signature Billing statements supporting the alleged reporting Any records used during the investigation to verify this account Without this documentation, the account is unverified and legally unreliable. \n\nFurthermore, any continued reporting of unverified information after disputes have been submitted constitutes materially misleading reporting and ongoing harm to my credit profile. \n\nRequested Resolution I am demanding the following : Immediate deletion of this account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ) Written confirmation that the account has been removed A description of the investigation conducted and the method used to verify the account If the furnisher is unable to produce documented, verifiable proof, they are required under federal law to permanently remove this account immediately. \n\nFailure to comply will result in further escalation to the CFPB supervisory division, Federal Trade Commission, and State Attorney General, and I will pursue all available remedies for willful violations of the FCRA. \n\nThis is my formal demand for deletion and final notice before escalation.","date_sent_to_company":"2026-03-17T12:18:40.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"55406","tags":null,"has_narrative":true,"complaint_id":"20328572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2026-03-17T12:08:48.000Z","state":"MN","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Furthermore, any <em>continued</em> <em>reporting</em> of unverified information after disputes have been submitted <em>constitutes</em> materially misleading <em>reporting</em> and ongoing harm to my credit profile."]},"sort":[21.853874,"20328572"]},{"_index":"complaint-public-v1","_id":"14210389","_score":21.79193,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Listed below are the Accounts being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This correspondence serves as my formal dispute pursuant to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ) and XXXX XXXX Compliance Standards. I demand immediate investigation and deletion of any unverifiable, inaccurate, incomplete, untimely, or non-compliant reporting.\n\nI dispute the accuracy and validity of these accounts. The continued reporting of derogatory information without full documentary evidence violates your statutory obligations. As the data furnisher and repository, you are required to maintain maximum possible accuracy ( 15 USC 1681e ( b ) ), possess verifiable documentation, and fully validate the legal right to report these accounts ( 15 USC 1681b, 1681i ).\n\nI hereby demand : Full documentary evidence proving the alleged debts are valid, accurate, and fully compliant with XXXX XXXX formatting standards. \n\nProof of permissible purpose authorizing any inquiry or furnishing activity. \n\nEvidence that your reporting meets XXXX XXXX XXXX XXXX data standards without any deviation. \n\nFailure to comply within 30 days constitutes willful non-compliance under 15 USC 1681n, opening liability for damages. Any unsupported claims will be treated as defamation of character, willful negligence, and a direct violation of my consumer rights. If you can not verify with complete and factual documentation, DELETE these accounts immediately.","date_sent_to_company":"2025-06-23T14:08:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90280","tags":null,"has_narrative":true,"complaint_id":"14210389","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-23T14:08:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Evidence that your <em>reporting</em> meets XXXX XXXX XXXX XXXX data standards without any deviation. \n\nFailure to comply within 30 days <em>constitutes</em> <em>willful</em> non-<em>compliance</em> under 15 USC 1681n, opening liability for damages. Any unsupported claims will be treated as defamation of character, <em>willful</em> negligence, and a direct violation of my consumer rights. If you can not verify with complete and factual <em>documentation</em>, DELETE these accounts immediately."],"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":[21.79193,"14210389"]},{"_index":"complaint-public-v1","_id":"14211223","_score":21.791866,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Listed below are the Accounts being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This correspondence serves as my formal dispute pursuant to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ) and XXXX XXXX Compliance Standards. I demand immediate investigation and deletion of any unverifiable, inaccurate, incomplete, untimely, or non-compliant reporting.\n\nI dispute the accuracy and validity of these accounts. The continued reporting of derogatory information without full documentary evidence violates your statutory obligations. As the data furnisher and repository, you are required to maintain maximum possible accuracy ( 15 USC 1681e ( b ) ), possess verifiable documentation, and fully validate the legal right to report these accounts ( 15 USC 1681b, 1681i ).\n\nI hereby demand : Full documentary evidence proving the alleged debts are valid, accurate, and fully compliant with XXXX XXXX formatting standards. \n\nProof of permissible purpose authorizing any inquiry or furnishing activity. \n\nEvidence that your reporting meets XXXX XXXX XXXX XXXX data standards without any deviation. \n\nFailure to comply within 30 days constitutes willful non-compliance under 15 USC 1681n, opening liability for damages. Any unsupported claims will be treated as defamation of character, willful negligence, and a direct violation of my consumer rights. If you can not verify with complete and factual documentation, DELETE these accounts immediately.","date_sent_to_company":"2025-06-23T14:08:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90280","tags":null,"has_narrative":true,"complaint_id":"14211223","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-23T14:03:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Evidence that your <em>reporting</em> meets XXXX XXXX XXXX XXXX data standards without any deviation. \n\nFailure to comply within 30 days <em>constitutes</em> <em>willful</em> non-<em>compliance</em> under 15 USC 1681n, opening liability for damages. Any unsupported claims will be treated as defamation of character, <em>willful</em> negligence, and a direct violation of my consumer rights. If you can not verify with complete and factual <em>documentation</em>, DELETE these accounts immediately."],"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":[21.791866,"14211223"]},{"_index":"complaint-public-v1","_id":"17036616","_score":21.743385,"_source":{"product":"Credit card","complaint_what_happened":"b'This complaint is submitted on behalf of XXXX XXXX XXXX  by his authorized representative, XXXX XXXX  of XXXX XXXX XXXX XXXX, against Nordstrom/TD Bank USA for willful and negligent noncompliance with the Fair Credit Reporting Act (FCRA), specifically Sections 611(a)(1)(A) and 623(a)(1)(A). Despite multiple formal disputes and clear notice under federal law, Nordstrom/TD Bank USA has continuously failed to provide verifiable documentation substantiating the accuracy of the reported account number XXXX XXXX XXXX XXXX. XXXX, XXXX, and XXXX  each reported that the furnisher verified the account as accurate, yet no evidentiary proof or supporting records have ever been provided to the consumer as required. This conduct demonstrates a complete disregard for the duty to ensure accurate reporting and to conduct a reasonable reinvestigation when a consumer files a dispute. Merely confirming the information without any documentary support from the creditors own records does not satisfy the standard of compliance mandated under the FCRA. The ongoing reporting of this unverified account constitutes willful and negligent violations under Sections 616 and 617, and Nordstrom/TD Bank USA should be held accountable for failing to maintain and provide proper substantiation. On behalf of XXXX XXXX, XXXX XXXX XXXX XXXX demands that the CFPB compel Nordstrom/TD Bank USA to immediately produce verifiable documentary evidenceincluding the original signed credit application, complete account history, internal verification logs, and a detailed explanation of the verification processor, failing that, permanently delete this account from all consumer credit files maintained by XXXX, XXXX, and XXXX. Continued reporting of this unverifiable account constitutes reckless disregard of consumer protection laws and a clear violation of federal rights. XXXX XXXX, through his authorized representative XXXX XXXX respectfully requests full enforcement action and any applicable civil penalties to ensure compliance and restoration of accurate reporting.'","date_sent_to_company":"2025-11-05T22:44:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"17036616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-11-05T22:38:54.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Continued</em> <em>reporting</em> of this unverifiable account <em>constitutes</em> reckless disregard of consumer protection laws and a clear violation of federal rights. XXXX XXXX, through his authorized representative XXXX XXXX respectfully requests full enforcement action and any applicable civil penalties to ensure <em>compliance</em> and restoration of accurate <em>reporting</em>.'"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[21.743385,"17036616"]},{"_index":"complaint-public-v1","_id":"17646901","_score":21.461716,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is my third complaint regarding Equifaxs continued failure to correct inaccurate and unverifiable personal information in my credit file. Despite XXXX previous disputes, Equifax is still reporting outdated addresses, incorrect employers, and other identifiers that do not belong to me. My only correct and legally verifiable personal information is : Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> SSN : XXXX Employer : XXXX XXXX XXXX XXXX XXXX Any additional names, previous addresses, unknown employers, or other identifiers currently appearing in my Equifax file are inaccurate, incomplete, or unverifiable. Equifaxs refusal to correct these errors after multiple disputes violates several sections of the Fair Credit Reporting Act, including FCRA 611 for failing to conduct a reasonable reinvestigation, FCRA 607 ( b ) for failing to ensure maximum possible accuracy, and FCRA 609 ( a ) for failing to provide verification or documentation supporting the disputed information. This continued non-compliance exposes me to identity theft and credit file contamination and constitutes negligent and potentially willful violations under FCRA 1681n and 1681o. I am requesting that Equifax immediately delete all inaccurate personal information, conduct a meaningful reinvestigation, provide full verification documentation, and update my credit file to reflect only the correct and verifiable data listed above.","date_sent_to_company":"2025-12-03T00:05:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75287","tags":null,"has_narrative":true,"complaint_id":"17646901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-03T00:01:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>continued</em> non-<em>compliance</em> exposes me to identity theft and credit file contamination and <em>constitutes</em> negligent and potentially <em>willful</em> violations under FCRA 1681n and 1681o. I am requesting that Equifax immediately delete all inaccurate personal information, conduct a meaningful reinvestigation, provide full verification <em>documentation</em>, and update my credit file to reflect only the correct and <em>verifiable</em> data listed above."],"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":[21.461716,"17646901"]},{"_index":"complaint-public-v1","_id":"19174099","_score":21.404232,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding a collection account being reported by the above-named company that appears on my consumer credit reports. I dispute the accuracy and completeness of this account. Despite prior disputes, the collection agency continues to furnish this information without providing evidence of a reasonable reinvestigation, as required under the Fair Credit Reporting Act, 15 U.S.C. 1681i. The furnisher has failed to provide competent verification demonstrating that the information reported is accurate, complete, and legally reportable. Specifically, I have not been provided with documentation establishing : The existence of a valid underlying obligation The collection agencys legal authority to collect and report this debt The accuracy of the reported balance, dates, and account status Compliance with FCRA reporting requirements Automated or conclusory confirmations do not constitute a reasonable reinvestigation under 1681i. Absent proper verification, continued reporting of this account is inaccurate and misleading. Under the FCRA, furnishers are required to investigate disputed information, correct or delete information that can not be verified, and refrain from continuing to report unverifiable data. I am requesting that the CFPB require the collection agency to : 1. Provide full documentary verification supporting the accuracy and legal authority of this account ; or 2. Immediately delete this collection account from all consumer reporting agencies. Continued reporting without proper verification may constitute willful or negligent noncompliance with the Fair Credit Reporting Act. I am seeking resolution to ensure my consumer file reflects only accurate, verifiable information as required by law.","date_sent_to_company":"2026-02-02T08:17:15.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"800XX","tags":null,"has_narrative":true,"complaint_id":"19174099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Velocity Portfolio Group","date_received":"2026-02-02T08:07:54.000Z","state":"CO","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Continued</em> <em>reporting</em> without proper verification may <em>constitute</em> <em>willful</em> or negligent noncompliance with the Fair Credit <em>Reporting</em> Act. I am seeking resolution to ensure my consumer file reflects only accurate, <em>verifiable</em> information as required by law."]},"sort":[21.404232,"19174099"]},{"_index":"complaint-public-v1","_id":"15338380","_score":21.334509,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian Information Solutions , Inc. for failure to comply with the Fair Credit Reporting Act ( FCRA ) and for knowingly reporting unverified and inaccurate information on my credit file. \nI submitted a dispute to Experian regarding one or more collection accounts, specifically demanding proper validation. My request included : A copy of the original contract/agreement containing my wet signature. \nA complete chain of custody/assignment of ownership from the original creditor through any third parties to the current debt collector. \nTangible, verifiable evidence beyond a simple database verification response. \nExperian has failed to provide this documentation and instead responded with a generic verified status. This is not compliance with FCRA 611 and constitutes willful misreporting of inaccurate and unverified debt. \nAs a result, Experian is continuing to publish false and damaging information on my consumer report, which is negatively impacting my creditworthiness, ability to obtain housing, and financial stability.","date_sent_to_company":"2025-08-17T17:57:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"36605","tags":"Servicemember","has_narrative":true,"complaint_id":"15338380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-17T17:53:29.000Z","state":"AL","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":["Tangible, <em>verifiable</em> evidence beyond a simple database verification response. \nExperian has failed to provide this <em>documentation</em> and instead responded with a generic verified status. This is not <em>compliance</em> with FCRA 611 and <em>constitutes</em> <em>willful</em> misreporting of inaccurate and unverified debt. \nAs a result, Experian is <em>continuing</em> to publish false and damaging information on my consumer <em>report</em>, which is negatively impacting my creditworthiness, ability to obtain housing, and financial stability."],"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":[21.334509,"15338380"]},{"_index":"complaint-public-v1","_id":"14146386","_score":21.166044,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a formal dispute regarding multiple unauthorized, inaccurate, and unverifiable entries appearing on my credit report. You are reporting these accounts and inquiries without possessing original, legally valid documentation bearing my wet or electronic signature authorizing these transactions or access. \n\nAs a data furnisher and credit bureau, you are required to maintain full compliance under XXXX XXXX. XXXX ( FCRA XXXX ) which mandates you to only report accounts or inquiries with permissible purpose and proper authorization. You have failed to produce any valid proof that such authorization exists. \n\nUnder XXXX XXXX. XXXX ( b ), you have an obligation to conduct a reasonable investigation with complete documentation during any dispute. Reporting unverifiable and inaccurate information without sufficient evidence constitutes willful non-compliance and gross negligence. In addition, XXXX XXXX Compliance Guidelines ( CRRG ) require complete, accurate, and verifiable data to be reported. Any failure to meet these standards renders the reporting invalid. \n\nThe following items are being formally disputed and must be permanently DELETED from my credit report : Accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Collections : XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Inquiries : XXXX XXXX  - XXXXXXXX XXXX - XXXX Personal Information : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Incorrect XXXX : XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX EMP You have XXXX days from receipt of this notice to provide fully validated, original documentation to substantiate the reporting of these accounts, collections, inquiries, and personal information. Failure to comply will constitute continued violations of my consumer rights, at which point I will escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal counsel for willful non-compliance and damages. \n\nI am demanding the PERMANENT DELETION of all listed inaccurate and unauthorized items. Please send me a full updated copy of my corrected credit report reflecting these deletions","date_sent_to_company":"2025-06-18T22:49:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75050","tags":null,"has_narrative":true,"complaint_id":"14146386","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-18T22:30:22.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["In addition, XXXX XXXX <em>Compliance</em> Guidelines ( CRRG ) require complete, accurate, and <em>verifiable</em> data to be <em>reported</em>. Any failure to meet these standards renders the <em>reporting</em> invalid."],"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":[21.166044,"14146386"]},{"_index":"complaint-public-v1","_id":"14145699","_score":21.117975,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a formal dispute regarding multiple unauthorized, inaccurate, and unverifiable entries appearing on my credit report. You are reporting these accounts and inquiries without possessing original, legally valid documentation bearing my wet or electronic signature authorizing these transactions or access. \n\nAs a data furnisher and credit bureau, you are required to maintain full compliance under XXXX XXXX. XXXX ( FCRA XXXX ) which mandates you to only report accounts or inquiries with permissible purpose and proper authorization. You have failed to produce any valid proof that such authorization exists. \n\nUnder XXXX XXXX. XXXX ( b ), you have an obligation to conduct a reasonable investigation with complete documentation during any dispute. Reporting unverifiable and inaccurate information without sufficient evidence constitutes willful non-compliance and gross negligence. In addition, XXXX XXXX Compliance Guidelines ( CRRG ) require complete, accurate, and verifiable data to be reported. Any failure to meet these standards renders the reporting invalid. \n\nThe following items are being formally disputed and must be permanently DELETED from my credit report : Accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Collections : XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Inquiries : XXXX XXXX  - XXXXXXXX XXXX - XXXX Personal Information : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Incorrect XXXX : XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX EMP You have XXXX days from receipt of this notice to provide fully validated, original documentation to substantiate the reporting of these accounts, collections, inquiries, and personal information. Failure to comply will constitute continued violations of my consumer rights, at which point I will escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal counsel for willful non-compliance and damages. \n\nI am demanding the PERMANENT DELETION of all listed inaccurate and unauthorized items. Please send me a full updated copy of my corrected credit report reflecting these deletions","date_sent_to_company":"2025-06-18T22:49:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75050","tags":null,"has_narrative":true,"complaint_id":"14145699","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-18T22:49:02.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["In addition, XXXX XXXX <em>Compliance</em> Guidelines ( CRRG ) require complete, accurate, and <em>verifiable</em> data to be <em>reported</em>. Any failure to meet these standards renders the <em>reporting</em> invalid."],"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":[21.117975,"14145699"]},{"_index":"complaint-public-v1","_id":"14146587","_score":21.089739,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a formal dispute regarding multiple unauthorized, inaccurate, and unverifiable entries appearing on my credit report. You are reporting these accounts and inquiries without possessing original, legally valid documentation bearing my wet or electronic signature authorizing these transactions or access. \n\nAs a data furnisher and credit bureau, you are required to maintain full compliance under XXXX XXXX. XXXX ( FCRA XXXX ) which mandates you to only report accounts or inquiries with permissible purpose and proper authorization. You have failed to produce any valid proof that such authorization exists. \n\nUnder XXXX XXXX. XXXX ( b ), you have an obligation to conduct a reasonable investigation with complete documentation during any dispute. Reporting unverifiable and inaccurate information without sufficient evidence constitutes willful non-compliance and gross negligence. In addition, XXXX XXXX Compliance Guidelines ( CRRG ) require complete, accurate, and verifiable data to be reported. Any failure to meet these standards renders the reporting invalid. \n\nThe following items are being formally disputed and must be permanently DELETED from my credit report : Accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Collections : XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Inquiries : XXXX XXXX  - XXXXXXXX XXXX - XXXX Personal Information : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Incorrect XXXX : XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX EMP You have XXXX days from receipt of this notice to provide fully validated, original documentation to substantiate the reporting of these accounts, collections, inquiries, and personal information. Failure to comply will constitute continued violations of my consumer rights, at which point I will escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal counsel for willful non-compliance and damages. \n\nI am demanding the PERMANENT DELETION of all listed inaccurate and unauthorized items. Please send me a full updated copy of my corrected credit report reflecting these deletions","date_sent_to_company":"2025-06-18T22:49:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75050","tags":null,"has_narrative":true,"complaint_id":"14146587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-18T22:49:02.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["In addition, XXXX XXXX <em>Compliance</em> Guidelines ( CRRG ) require complete, accurate, and <em>verifiable</em> data to be <em>reported</em>. Any failure to meet these standards renders the <em>reporting</em> invalid."],"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":[21.089739,"14146587"]},{"_index":"complaint-public-v1","_id":"17642634","_score":20.973362,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is my third complaint regarding XXXX continued failure to correct inaccurate and unverifiable personal information in my credit file. Despite XXXX previous disputes, Experian continues to report outdated addresses, incorrect employers, and other identifiers that do not belong to me. My only correct and legally verifiable personal information is : Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Date of Birth : XX/XX/year> SSN : XXXX Employer : XXXX XXXX XXXX XXXX Any additional names, previous addresses, unknown employers, or other personal identifiers reported by Experian are inaccurate, incomplete, or unverifiable, and their continued presence in my file is causing harm and increasing the risk of identity theft. \n\nXXXX refusal to correct this information after multiple disputes constitutes ongoing violations of the Fair Credit Reporting Act, including : FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation within the required timeframe.\n\nFCRA 607 ( b ) : Failure to ensure maximum possible accuracy of consumer information.\n\nFCRA 609 ( a ) : Failure to provide verification or documentation supporting the inaccurate identifiers.\n\nFCRA 1681n and 1681o : Liability for negligent and willful non-compliance. \n\nI am requesting that Experian immediately delete all inaccurate, outdated, or unverifiable personal information and update my file to reflect only the correct identifiers listed above. Experian must conduct a meaningful reinvestigation, provide verification documentation, and ensure compliance with federal law.","date_sent_to_company":"2025-12-03T00:01:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75287","tags":null,"has_narrative":true,"complaint_id":"17642634","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-03T00:00:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["FCRA 1681n and 1681o : Liability for negligent and <em>willful</em> non-<em>compliance</em>. \n\nI am requesting that Experian immediately delete all inaccurate, outdated, or unverifiable personal information and update my file to reflect only the correct identifiers listed above. Experian must conduct a meaningful reinvestigation, provide verification <em>documentation</em>, and ensure <em>compliance</em> with federal law."],"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":[20.973362,"17642634"]},{"_index":"complaint-public-v1","_id":"21070981","_score":20.794933,"_source":{"product":"Debt collection","complaint_what_happened":"This is a formal complaint and dispute regarding a collection account being reported and/or collected without proper validation. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA 1692 ). \n\nThis alleged debt is disputed in its entirety. The collector has failed to provide sufficient evidence to substantiate the claim and continues collection and/or reporting activity without proper verification. Full chain of assignment/ownership Complete documentation showing the transfer and legal ownership of the alleged debt from the original creditor to the current collector 2. Original contract with signature A copy of the original agreement bearing a valid signature demonstrating a contractual obligation 3. Itemized accounting of the balance A full breakdown of all charges, fees, interest, and payments used to calculate the reported amount 4. Proof of authority to collect Documentation showing legal authorization to collect and enforce this alleged debt 5. Evidence connecting the consumer to the debt Verifiable documentation directly tying the alleged account to the consumer, not generic or unverifiable recordsNOTICE OF DISPUTE This account is formally disputed All collection activity must cease until proper validation is provided in accordance with FDCPA 1692g ( b ) Any continued reporting or collection without validation may constitute false, deceptive, or misleading practices under FDCPA 1692e FAILURE TO COMPLY Failure to provide the requested documentation should result in : Immediate deletion of the account from all credit reporting agencies Cessation of all collection activity Continued attempts to collect or report without proper validation will be considered willful non-compliance.","date_sent_to_company":"2026-04-08T22:42:26.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"77070","tags":null,"has_narrative":true,"complaint_id":"21070981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2026-04-08T22:13:32.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["should result in : Immediate deletion of the account from all credit <em>reporting</em> agencies Cessation of all collection activity <em>Continued</em> attempts to collect or <em>report</em> without proper validation will be considered <em>willful</em> non-<em>compliance</em>."]},"sort":[20.794933,"21070981"]},{"_index":"complaint-public-v1","_id":"18467383","_score":20.792667,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB Response Failure to Conduct Reasonable Investigation ( Metro 2 / FCRA Noncompliance ) To Whom It May Concern, This letter serves as my formal response regarding the handling of my dispute related to the Credit Acceptance Corp account. \n\nAccording to the CFPB complaint record, no actions were taken by the furnisher in response to my dispute, despite my submission of valid identifying documentation and a clear request for reinvestigation. This failure constitutes noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Metro 2 Credit Reporting Guidelines .\n\nAt the time of my dispute, I provided sufficient information to trigger a lawful reinvestigation. However, Credit Acceptance Corp failed to : Conduct a reasonable reinvestigation of the disputed information Correct, delete, or modify any inaccurate or unverified data Provide documentation supporting the accuracy of the reported account Demonstrate compliance with Metro 2 reporting standards Identify the method or evidence used to verify the account Under Metro 2 guidelines, furnishers are required to report complete, accurate, verifiable, and timely information. The absence of any corrective action or documented investigation indicates that the account was mechanically verified or ignored, which is not permissible under federal law. \n\nFurthermore, the continued reporting of this account without evidence of a proper investigation raises serious concerns regarding : Accuracy of account balance and status Authority to report the account Completeness of payment history Compliance with Metro 2 data integrity standards Because no action was taken and no documentation has been produced, the reporting of this account is now unverifiable. Continued reporting under these circumstances constitutes willful noncompliance with the FCRA. \n\nI am formally requesting that Credit Acceptance Corp either : 1. Provide full documentary evidence supporting the accuracy, ownership, and reporting authority of this account in compliance with Metro 2 and FCRA standards, or 2. Immediately delete the account due to failure to conduct a reasonable reinvestigation.\n\nIf this matter is not resolved promptly, I reserve the right to pursue all remedies available under federal law. \n\nSincerely, XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/year>","date_sent_to_company":"2026-01-05T15:30:46.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"78570","tags":null,"has_narrative":true,"complaint_id":"18467383","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2026-01-05T15:30:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Furthermore, the <em>continued</em> <em>reporting</em> of this account without evidence of a proper investigation raises serious concerns regarding : Accuracy of account balance and status Authority to <em>report</em> the account Completeness of payment history <em>Compliance</em> with Metro 2 data integrity standards Because no action was taken and no <em>documentation</em> has been produced, the <em>reporting</em> of this account is now unverifiable. <em>Continued</em> <em>reporting</em> under these circumstances <em>constitutes</em> <em>willful</em> noncompliance with the FCRA."]},"sort":[20.792667,"18467383"]},{"_index":"complaint-public-v1","_id":"18466969","_score":20.792667,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : CFPB Response Failure to Conduct Reasonable Investigation ( Metro 2 / FCRA Noncompliance ) To Whom It May Concern, This letter serves as my formal response regarding the handling of my dispute related to the XXXX XXXX XXXX account. \n\nAccording to the CFPB complaint record, no actions were taken by the furnisher in response to my dispute, despite my submission of valid identifying documentation and a clear request for reinvestigation. This failure constitutes noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Metro 2 Credit Reporting Guidelines . \n\nAt the time of my dispute, I provided sufficient information to trigger a lawful reinvestigation. However, XXXX XXXX XXXX failed to : Conduct a reasonable reinvestigation of the disputed information Correct, delete, or modify any inaccurate or unverified data Provide documentation supporting the accuracy of the reported account Demonstrate compliance with Metro 2 reporting standards Identify the method or evidence used to verify the account Under Metro 2 guidelines, furnishers are required to report complete, accurate, verifiable, and timely information. The absence of any corrective action or documented investigation indicates that the account was mechanically verified or ignored, which is not permissible under federal law. \n\nFurthermore, the continued reporting of this account without evidence of a proper investigation raises serious concerns regarding : Accuracy of account balance and status Authority to report the account Completeness of payment history Compliance with Metro 2 data integrity standards Because no action was taken and no documentation has been produced, the reporting of this account is now unverifiable. Continued reporting under these circumstances constitutes willful noncompliance with the FCRA. \n\nI am formally requesting that XXXX XXXX XXXX either : 1. Provide full documentary evidence supporting the accuracy, ownership, and reporting authority of this account in compliance with Metro 2 and FCRA standards, or 2. Immediately delete the account due to failure to conduct a reasonable reinvestigation.\n\nIf this matter is not resolved promptly, I reserve the right to pursue all remedies available under federal law. \n\nSincerely, XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year>","date_sent_to_company":"2026-01-05T15:14:30.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"78570","tags":null,"has_narrative":true,"complaint_id":"18466969","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-01-05T15:03:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Furthermore, the <em>continued</em> <em>reporting</em> of this account without evidence of a proper investigation raises serious concerns regarding : Accuracy of account balance and status Authority to <em>report</em> the account Completeness of payment history <em>Compliance</em> with Metro 2 data integrity standards Because no action was taken and no <em>documentation</em> has been produced, the <em>reporting</em> of this account is now unverifiable. <em>Continued</em> <em>reporting</em> under these circumstances <em>constitutes</em> <em>willful</em> noncompliance with the FCRA."]},"sort":[20.792667,"18466969"]},{"_index":"complaint-public-v1","_id":"18467379","_score":20.743755,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB Response Failure to Conduct Reasonable Investigation ( Metro 2 / FCRA Noncompliance ) To Whom It May Concern, This letter serves as my formal response regarding the handling of my dispute related to the XXXX XXXX XXXX account. \n\nAccording to the CFPB complaint record, no actions were taken by the furnisher in response to my dispute, despite my submission of valid identifying documentation and a clear request for reinvestigation. This failure constitutes noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Metro 2 Credit Reporting Guidelines .\n\nAt the time of my dispute, I provided sufficient information to trigger a lawful reinvestigation. However, XXXX XXXX XXXX failed to : Conduct a reasonable reinvestigation of the disputed information Correct, delete, or modify any inaccurate or unverified data Provide documentation supporting the accuracy of the reported account Demonstrate compliance with Metro 2 reporting standards Identify the method or evidence used to verify the account Under Metro 2 guidelines, furnishers are required to report complete, accurate, verifiable, and timely information. The absence of any corrective action or documented investigation indicates that the account was mechanically verified or ignored, which is not permissible under federal law. \n\nFurthermore, the continued reporting of this account without evidence of a proper investigation raises serious concerns regarding : Accuracy of account balance and status Authority to report the account Completeness of payment history Compliance with Metro 2 data integrity standards Because no action was taken and no documentation has been produced, the reporting of this account is now unverifiable. Continued reporting under these circumstances constitutes willful noncompliance with the FCRA. \n\nI am formally requesting that XXXX XXXX XXXX either : 1. Provide full documentary evidence supporting the accuracy, ownership, and reporting authority of this account in compliance with Metro 2 and FCRA standards, or 2. Immediately delete the account due to failure to conduct a reasonable reinvestigation. \n\nIf this matter is not resolved promptly, I reserve the right to pursue all remedies available under federal law. \n\nSincerely, XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year>","date_sent_to_company":"2026-01-05T15:30:49.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"78570","tags":null,"has_narrative":true,"complaint_id":"18467379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-01-05T15:15:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Furthermore, the <em>continued</em> <em>reporting</em> of this account without evidence of a proper investigation raises serious concerns regarding : Accuracy of account balance and status Authority to <em>report</em> the account Completeness of payment history <em>Compliance</em> with Metro 2 data integrity standards Because no action was taken and no <em>documentation</em> has been produced, the <em>reporting</em> of this account is now unverifiable. <em>Continued</em> <em>reporting</em> under these circumstances <em>constitutes</em> <em>willful</em> noncompliance with the FCRA."]},"sort":[20.743755,"18467379"]},{"_index":"complaint-public-v1","_id":"15471580","_score":20.605919,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding multiple negative, closed, and discharged accounts that continue to be furnished on my credit reports despite a major data breach in which consumer data, including mine, was exposed. Once a breach has occurred, continued reporting of unverifiable or compromised information is illegal and constitutes willful noncompliance with federal consumer protection laws.\n\nIssues Identified Accounts that are closed, discharged, or previously satisfied are still being reported as negative tradelines.\n\nCertain accounts have been compromised through known credit bureau and data furnisher breaches but have not been removed.\n\nThese accounts are unverifiable because consumer files and identifying data were compromised, yet furnishers continue to verify without lawful documentation.\n\nViolations of Federal Law FCRA ( 15 U.S.C. 1681 et seq. ) Requires data furnishers to report only accurate and verifiable information. Reporting breached or unverifiable accounts constitutes furnishing false data ( 623 ) and f\nailure to reinvestigate disputes ( 611 ).\n\nFDCPA ( 15 U.S.C. 1692 et seq. ) Prohibits collection and reporting of debts without validation. After a breach, no reliable validation can exist.\n\nFERPA ( 20 U.S.C. 1232g ) For any student loans/education-related accounts, consumer educational records are protected by FERPA. Once exposed through a data breach, continued publication or reporting constitutes an unlawful release of private student/educational financial data.\n\nFTC Act/ Unfair or Deceptive Practices Continuing to furnish or publish negative tradelines that are unverifiable after a breach is deceptive and unfair.\n\nState Consumer Privacy and Data Breach Notification Laws Many states require deletion or correction of compromised data ; failure to do so violates jurisdictional consumer protections.\n\nRequested Resolution Immediate deletion of all accounts that are negative, closed, discharged, or unverifiable as a result of a data breach.\n\nFurnishers and credit reporting agencies must cease reporting compromised information and provide proof of compliance with federal law.\n\nProvide documentation of the investigation methodology used to verify disputed accounts after the breach.\n\nWritten confirmation that no deleted accounts will be reinserted without full compliance and certification, as required by FCRA 611 ( a ) ( 5 ) ( B ).\n\nThese practices are illegal and harmful, as no consumer should continue to suffer negative credit consequences from data that has been compromised, unverifiable, or legally discharged. I request immediate deletion of these accounts and regulatory enforcement to prevent further violations.","date_sent_to_company":"2025-08-24T14:41:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"15471580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-08-24T14:41:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing a complaint regarding multiple negative, closed, and discharged accounts that <em>continue</em> to be furnished on my credit <em>reports</em> despite a major data breach in which consumer data, including mine, was exposed. Once a breach has occurred, <em>continued</em> <em>reporting</em> of unverifiable or compromised information is illegal and <em>constitutes</em> <em>willful</em> noncompliance with federal consumer protection laws."],"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":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[20.605919,"15471580"]},{"_index":"complaint-public-v1","_id":"14277789","_score":20.571167,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally challenging the accuracy and legality of the reporting associated with the following account : XXXX - XXXXXXXX XXXX XXXX As a consumer, I have the legal right under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) to demand that all data reporting furnishers and credit reporting agencies ( CRAs ) provide documented evidence of their full compliance with : XXXX XXXX format standards, as outlined in the XXXX most recent XXXX XXXX XXXX XXXX XXXX XXXX ) Federal and state consumer protection laws FCRA-mandated timelines for investigation and reinvestigation If you or the furnisher fail to provide tangible, physical documentation showing perfect accuracy and verifiable ownership of the alleged account, then the data must be permanently DELETED. Vague claims, unverifiable information, or partial records will not suffice. \n\nYou are hereby notified that any failure to meet these standards, whether willful or negligent, constitutes a breach of reporting obligations. Continued reporting without full validation exposes you to liability under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance, respectively. \n\nTake notice : If this account can not be fully validated and documented with indisputable evidence, DELETE it immediately from my credit file.","date_sent_to_company":"2025-06-25T21:48:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10452","tags":null,"has_narrative":true,"complaint_id":"14277789","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-25T21:44:01.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["You are hereby notified that any failure to meet these standards, whether <em>willful</em> or negligent, <em>constitutes</em> a breach of <em>reporting</em> obligations. <em>Continued</em> <em>reporting</em> without full validation exposes you to liability under 15 U.S.C. 1681n and 1681o for <em>willful</em> and negligent noncompliance, respectively. \n\nTake notice : If this account can not be fully validated and documented with indisputable evidence, DELETE it immediately from my credit file."],"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":[20.571167,"14277789"]},{"_index":"complaint-public-v1","_id":"15471571","_score":20.565018,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding multiple negative, closed, and discharged accounts that continue to be furnished on my credit reports despite a major data breach in which consumer data, including mine, was exposed. Once a breach has occurred, continued reporting of unverifiable or compromised information is illegal and constitutes willful noncompliance with federal consumer protection laws.\n\nIssues Identified Accounts that are closed, discharged, or previously satisfied are still being reported as negative tradelines.\n\nCertain accounts have been compromised through known credit bureau and data furnisher breaches but have not been removed.\n\nThese accounts are unverifiable because consumer files and identifying data were compromised, yet furnishers continue to verify without lawful documentation.\n\nViolations of Federal Law FCRA ( 15 U.S.C. 1681 et seq. ) Requires data furnishers to report only accurate and verifiable information. Reporting breached or unverifiable accounts constitutes furnishing false data ( 623 ) and failure to reinvestigate disputes ( 611 ).\n\nFDCPA ( 15 U.S.C. 1692 et seq. ) Prohibits collection and reporting of debts without validation. After a breach, no reliable validation can exist.\n\nFERPA ( 20 U.S.C. 1232g ) For any student loans/education-related accounts, consumer educational records are protected by FERPA. Once exposed through a data breach, continued publication or reporting constitutes an unlawful release of private student/educational financial data.\n\nFTC Act/ Unfair or Deceptive Practices Continuing to furnish or publish negative tradelines that are unverifiable after a breach is deceptive and unfair.\n\nState Consumer Privacy and Data Breach Notification Laws Many states require deletion or correction of compromised data ; failure to do so violates jurisdictional consumer protections.\n\nRequested Resolution Immediate deletion of all accounts that are negative, closed, discharged, or unverifiable as a result of a data breach.\n\nFurnishers and credit reporting agencies must cease reporting compromised information and provide proof of compliance with federal law.\n\nProvide documentation of the investigation methodology used to verify disputed accounts after the breach.\n\nWritten confirmation that no deleted accounts will be reinserted without full compliance and certification, as required by FCRA 611 ( a ) ( 5 ) ( B ).\n\nThese practices are illegal and harmful, as no consumer should continue to suffer negative credit consequences from data that has been compromised, unverifiable, or legally discharged. I request immediate deletion of these accounts and regulatory enforcement to prevent further violations.","date_sent_to_company":"2025-08-24T14:41:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"15471571","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-24T13:53:39.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing a complaint regarding multiple negative, closed, and discharged accounts that <em>continue</em> to be furnished on my credit <em>reports</em> despite a major data breach in which consumer data, including mine, was exposed. Once a breach has occurred, <em>continued</em> <em>reporting</em> of unverifiable or compromised information is illegal and <em>constitutes</em> <em>willful</em> noncompliance with federal consumer protection laws."],"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":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[20.565018,"15471571"]},{"_index":"complaint-public-v1","_id":"14146896","_score":20.550547,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing all inaccurate, unverifiable, or undocumented information currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 data field reporting standards, you are legally obligated to ensure maximum accuracy, truthfulness, and completeness of all reported data. The continued reporting of derogatory information without verified, factual evidence constitutes willful non-compliance and a direct violation of my consumer rights.\n\nI will not accept or acknowledge any allegation of delinquency or derogatory status without full substantiation, including : Complete chain of custody of original documents Signed contracts bearing my authentic signature Proof of permissible purpose under 15 U.S.C. 1681b Metro 2 compliance file records verifying correct data formatting You are hereby instructed to immediately furnish physical, verifiable evidence validating the existence and lawful reporting of the following : Personal Information Under Dispute : Incorrect DOB : XXXX Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Employer : XXXX XXXX XXXX Account Under Dispute : XXXX - XXXX Failure to provide such documentation within the timeframe allowed by law will constitute your inability to validate the reporting. In such case, I demand the immediate and permanent deletion of the above-referenced items from all reporting systems. \n\nYour failure to fully comply with Metro 2 reporting standards and FCRA obligations threatens the integrity of my credit profile and exposes you to legal liability. Provide full physical documentation of your investigation results and send an updated copy of my credit report to my address on file. \n\nThis is a formal demand for compliance. Failure to comply may result in further legal action.","date_sent_to_company":"2025-06-18T21:41:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11967","tags":null,"has_narrative":true,"complaint_id":"14146896","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-18T21:41:00.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>continued</em> <em>reporting</em> of derogatory information without verified, factual evidence <em>constitutes</em> <em>willful</em> non-<em>compliance</em> and a direct violation of my consumer rights."],"product":["Credit <em>reporting</em> or other personal consumer 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