{"took":217,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1082,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9776414","_score":19.77767,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You are violating my rights! I have listed the concerns about your reporting in the attached documents. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. \n\nXXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, GA XXXX","date_sent_to_company":"2024-08-10T00:01:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"9776414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Monterey Financial Services LLC","date_received":"2024-08-09T23:48:25.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It's not complete and does not meet my standards ; according to law, you <em>must</em> certify all aspects of required FCRA/ XXXX XXXX <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. \n\nXXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, GA XXXX"]},"sort":[19.77767,"9776414"]},{"_index":"complaint-public-v1","_id":"7921389","_score":18.729176,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX XXXX XXXX  XXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account XXXX : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.","date_sent_to_company":"2023-11-29T18:20:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43231","tags":null,"has_narrative":true,"complaint_id":"7921389","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-29T18:20:27.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["It's not complete and does not meet my standards ; according to law, you <em>must</em> certify all aspects of required XXXX XXXX XXXX <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General."]},"sort":[18.729176,"7921389"]},{"_index":"complaint-public-v1","_id":"7919209","_score":18.729176,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX XXXX XXXX XXXXXXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account Type : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.","date_sent_to_company":"2023-11-29T18:20:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43231","tags":null,"has_narrative":true,"complaint_id":"7919209","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2023-11-29T18:20:27.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["It's not complete and does not meet my standards ; according to law, you <em>must</em> certify all aspects of required XXXX XXXX XXXX <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General."]},"sort":[18.729176,"7919209"]},{"_index":"complaint-public-v1","_id":"7050190","_score":18.719706,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. Do not confuse me with relatives with the same name or address. Verify all identifying information. Do not confuse me with relatives with similar names or addresses. Verify all identifying information. I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you do not process my letters, you are violating my rights as a consumer.","date_sent_to_company":"2023-05-31T05:45:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"218XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7050190","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-31T05:33:53.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["According to the law, you and the data furnishers <em>must</em> certify all aspects of the required FCRA and Metro 2 <em>compliance</em>. This <em>must</em> be <em>done</em> in a <em>truthful</em>, correct, complete, and timely manner as to not violate my consumer and civil rights. This is in violation of 15 U.S. Code 5 1681i, <em>which</em> requires that each dispute and challenge <em>must</em> be addressed individually and on its own merits. My letters were created using software that is available to everyone."]},"sort":[18.719706,"7050190"]},{"_index":"complaint-public-v1","_id":"7919210","_score":18.704525,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX # XXXX, XXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account Type : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.","date_sent_to_company":"2023-11-29T18:20:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43231","tags":null,"has_narrative":true,"complaint_id":"7919210","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-29T17:48:32.000Z","state":"OH","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":["It's not complete and does not meet my standards ; according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General."]},"sort":[18.704525,"7919210"]},{"_index":"complaint-public-v1","_id":"7977350","_score":18.354204,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like to bring to your attention that an account on my credit report is incomplete full of errors and does not meet the standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. \n\nIn accordance with the Fair Credit Reporting Act This account has violated my rights : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account # : XXXX This account is inaccurate, incomplete and not adhering to compliance standards. \n\nAccording to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Equifax have on file for me doesn't match what's listed, then there are problems with either Equifax records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Equifax must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently, and the above account removed. \n\nAccording to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.","date_sent_to_company":"2023-12-11T03:44:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85208","tags":null,"has_narrative":true,"complaint_id":"7977350","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-11T03:20:16.000Z","state":"AZ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I would like to bring to your attention that an account on my credit report is incomplete full of errors and does not meet the standards ; according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well."]},"sort":[18.354204,"7977350"]},{"_index":"complaint-public-v1","_id":"7982361","_score":18.098623,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I would like to bring to your attention that an account on my credit report is incomplete and does not meet the FCRA standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. In accordance with the Fair Credit Reporting Act This account has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate, incomplete and not adhering to compliance standards. According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Equifax have on file for me doesn't match what's listed, then there are problems with either Equifax records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Equifax must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently, and the above account removed. According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. Therefore, this account must me removed from my report.","date_sent_to_company":"2023-12-12T04:31:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85208","tags":null,"has_narrative":true,"complaint_id":"7982361","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-12T04:12:17.000Z","state":"AZ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I would like to bring to your attention that an account on my credit report is incomplete and does not meet the FCRA standards ; according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well."]},"sort":[18.098623,"7982361"]},{"_index":"complaint-public-v1","_id":"8335732","_score":17.842175,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. \n\nSummary of Accounts being Challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-14T04:26:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28027","tags":null,"has_narrative":true,"complaint_id":"8335732","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-14T04:21:08.000Z","state":"NC","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":["It's not complete and does not meet my standards according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. \n\nSummary of Accounts being Challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[17.842175,"8335732"]},{"_index":"complaint-public-v1","_id":"10769718","_score":17.52548,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the account NAVY FEDERAL CR UNION ( XXXX ) on my credit report, inaccurately listed as CollectionOrChargeOff, with dates XXXX and XXXX. This impacts my ability to get financing. \nUnder 15 U.S.C. 1681i, you must verify accuracy. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, courts ruled that inaccuracies should be corrected. Please delete this account and provide proof of the {$15000.00}. \n\nthey are violating my rights! I have listed the concerns about this reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have","date_sent_to_company":"2024-11-15T16:08:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"735XX","tags":null,"has_narrative":true,"complaint_id":"10769718","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-11-12T21:25:43.000Z","state":"OK","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["It's not complete and does not meet my standards ; according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have"]},"sort":[17.52548,"10769718"]},{"_index":"complaint-public-v1","_id":"7977471","_score":17.279316,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed incorrect information on my report, requested a deletion and a full investigation but did not receive any. Although I provided all the necessary information required by law on my part. Experian is violating my rights. I have listed the concerns about their reporting in the document. The account in question is not complete and does not meet the standards; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. \n\nIn accordance with the Fair Credit Reporting Act This account has violated my rights : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account # : XXXX Date Opened : XX/XX/. This account is inaccurate, incomplete and not adhering to compliance standards. \n\nAccording to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Experian have on file for me doesn't match what's listed, then there are problems with either Experian 's records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Experian must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently.\n\nAccording to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.","date_sent_to_company":"2023-12-11T03:19:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85208","tags":null,"has_narrative":true,"complaint_id":"7977471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-11T02:26:32.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The account in question is not complete and does not meet the standards; according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well. \n\nIn accordance with the Fair Credit Reporting Act This account has violated my rights : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account # : XXXX Date Opened : XX/XX/."]},"sort":[17.279316,"7977471"]},{"_index":"complaint-public-v1","_id":"12547046","_score":17.230268,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.\n\nPlease send your written response to my address written above.\n\nI am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges.\n\nfrom consumers, regardless of the specific information that they have provided.\n\nThis is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. \nKindest Regards, XXXX  XXXX bankruptcy false verification. You refuse to investigate. This is illegal","date_sent_to_company":"2025-03-18T12:08:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48180","tags":null,"has_narrative":true,"complaint_id":"12547046","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-18T11:48:49.000Z","state":"MI","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":["It's not complete and does not meet my standards ; according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.\n\nPlease send your written response to my address written above."]},"sort":[17.230268,"12547046"]},{"_index":"complaint-public-v1","_id":"12541166","_score":17.129835,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.\n\nPlease send your written response to my address written above.\n\nI am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges.\n\nfrom consumers, regardless of the specific information that they have provided.\n\nThis is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal Kindest Regards, Below is a summary of the Collection data in which I am challenging : XXXX {$4900.00} XXXX {$4900.00} XXXX {$11000.00} XXXX {$11000.00} XXXX account. \nThese accounts are reporting various inaccuracies and illegal activity such as multiple illicit charges offs reported monthly. \nCredence resource {$110.00} This is a result of fraud. Ive never done any business with this company.","date_sent_to_company":"2025-03-18T17:39:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48180","tags":null,"has_narrative":true,"complaint_id":"12541166","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-18T17:38:49.000Z","state":"MI","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":["It's not complete and does not meet my standards ; according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.\n\nPlease send your written response to my address written above."]},"sort":[17.129835,"12541166"]},{"_index":"complaint-public-v1","_id":"12541168","_score":17.11526,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.\n\nPlease send your written response to my address written above.\n\nI am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges.\n\nfrom consumers, regardless of the specific information that they have provided.\n\nThis is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal Kindest Regards, Below is a summary of the Collection data in which I am challenging : XXXX {$4900.00} XXXX {$4900.00} XXXX {$11000.00} XXXX {$11000.00} XXXX account. \nThese accounts are reporting various inaccuracies and illegal activity such as multiple illicit charges offs reported monthly. \nCredence resource {$110.00} This is a result of fraud. Ive never done any business with this company.","date_sent_to_company":"2025-03-18T17:39:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48180","tags":null,"has_narrative":true,"complaint_id":"12541168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-18T17:38:49.000Z","state":"MI","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":["It's not complete and does not meet my standards ; according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.\n\nPlease send your written response to my address written above."]},"sort":[17.11526,"12541168"]},{"_index":"complaint-public-v1","_id":"12529626","_score":17.102598,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.\n\nPlease send your written response to my address written above.\n\nI am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges.\n\nfrom consumers, regardless of the specific information that they have provided.\n\nThis is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal Kindest Regards, Below is a summary of the Collection data in which I am challenging : XXXX {$4900.00} XXXX {$4900.00} XXXX {$11000.00} XXXX {$11000.00} XXXX account. \nThese accounts are reporting various inaccuracies and illegal activity such as multiple illicit charges offs reported monthly. \nCredence resource {$110.00} This is a result of fraud. Ive never done any business with this company.","date_sent_to_company":"2025-03-18T17:39:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48180","tags":null,"has_narrative":true,"complaint_id":"12529626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-18T17:30:13.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["It's not complete and does not meet my standards ; according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.\n\nPlease send your written response to my address written above."]},"sort":[17.102598,"12529626"]},{"_index":"complaint-public-v1","_id":"8335542","_score":17.02696,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. \n\nSummary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXX  - Account Number : XXXX XXXX  - Account XXXX XXXX XXXX XXXX Account Number : XXXX","date_sent_to_company":"2024-02-14T05:16:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"39601","tags":null,"has_narrative":true,"complaint_id":"8335542","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-14T05:16:29.000Z","state":"MS","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":["It's not complete and does not meet my standards according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. \n\nSummary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXX  - Account Number : XXXX XXXX  - Account XXXX XXXX XXXX XXXX Account Number : XXXX"]},"sort":[17.02696,"8335542"]},{"_index":"complaint-public-v1","_id":"8335541","_score":17.02696,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. \n\nSummary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - Account XXXX XXXX XXXX XXXX Account Number : XXXX","date_sent_to_company":"2024-02-14T05:16:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"39601","tags":null,"has_narrative":true,"complaint_id":"8335541","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-14T05:16:29.000Z","state":"MS","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It's not complete and does not meet my standards according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General."]},"sort":[17.02696,"8335541"]},{"_index":"complaint-public-v1","_id":"8335562","_score":17.016745,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. \n\nSummary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-14T05:16:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"39601","tags":null,"has_narrative":true,"complaint_id":"8335562","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-14T05:08:58.000Z","state":"MS","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":["It's not complete and does not meet my standards according to law, you <em>must</em> certify all aspects of required FCRA/ Metro 2 <em>compliance</em> <em>which</em> is <em>done</em> <em>truthfully</em>, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. \n\nSummary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[17.016745,"8335562"]},{"_index":"complaint-public-v1","_id":"10764015","_score":16.918362,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have sent XXXX Letters to XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I included my personal identified information to validate that I was the sender of each of these letters, including my photo ID with current address, current copy of my life insurance policy with my current address and a current energy bill with my address. I requested in each letter that they look into each and every instance on all credit card accounts open and closed where a late payment was reported to confirm how they verified those accounts as I believe each and everyone of them is inaccurate and I requested that they update each one to reflect as never late and paid as agreed. \n\nI informed them according to the law, they and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. \n\nOn each response to these XXXX letters, I received an automated response from XXXX stating they believe the request was fraudulent and would not be acting on my request even after informing them on my 2nd, 3rd and 4th letter that they are in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits and If they don't process my letters, they are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. \n\nThey have not done their investigation and are in violation of my consumer rights.","date_sent_to_company":"2024-11-13T06:31:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76011","tags":null,"has_narrative":true,"complaint_id":"10764015","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-13T06:31:34.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I informed them according to the law, they and the data furnishers <em>must</em> certify all aspects of the required FCRA and XXXX XXXX <em>compliance</em>. This <em>must</em> be <em>done</em> in a <em>truthful</em>, correct, complete, and timely manner as to not violate my consumer and civil rights."]},"sort":[16.918362,"10764015"]},{"_index":"complaint-public-v1","_id":"10764013","_score":16.918362,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have sent XXXX Letters to XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I included my personal identified information to validate that I was the sender of each of these letters, including my photo ID with current address, current copy of my life insurance policy with my current address and a current energy bill with my address. I requested in each letter that they look into each and every instance on all credit card accounts open and closed where a late payment was reported to confirm how they verified those accounts as I believe each and everyone of them is inaccurate and I requested that they update each one to reflect as never late and paid as agreed. \n\nI informed them according to the law, they and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. \n\nOn each response to these XXXX letters, I received an automated response from XXXX stating they believe the request was fraudulent and would not be acting on my request even after informing them on my 2nd, 3rd and 4th letter that they are in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits and If they don't process my letters, they are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. \n\nThey have not done their investigation and are in violation of my consumer rights.","date_sent_to_company":"2024-11-13T06:31:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76011","tags":null,"has_narrative":true,"complaint_id":"10764013","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-13T06:31:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I informed them according to the law, they and the data furnishers <em>must</em> certify all aspects of the required FCRA and XXXX XXXX <em>compliance</em>. This <em>must</em> be <em>done</em> in a <em>truthful</em>, correct, complete, and timely manner as to not violate my consumer and civil rights."]},"sort":[16.918362,"10764013"]},{"_index":"complaint-public-v1","_id":"10764153","_score":16.902296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have sent XXXX Letters to Experian on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I included my personal identified information to validate that I was the sender of each of these letters, including my photo ID with current address, current copy of my life insurance policy with my current address and a current energy bill with my address. I requested in each letter that they look into each and every instance on all credit card accounts open and closed where a late payment was reported to confirm how they verified those accounts as I believe each and everyone of them is inaccurate and I requested that they update each one to reflect as never late and paid as agreed. \n\nI informed them according to the law, they and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. \n\nOn each response to these 4 letters, I received an automated response from Experian stating they believe the request was fraudulent and would not be acting on my request even after informing them on my 2nd, 3rd and 4th letter that they are in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits and If they don't process my letters, they are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. \n\nThey have not done their investigation and are in violation of my consumer rights.","date_sent_to_company":"2024-11-13T06:31:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76011","tags":null,"has_narrative":true,"complaint_id":"10764153","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-13T06:31:34.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I informed them according to the law, they and the data furnishers <em>must</em> certify all aspects of the required FCRA and XXXX XXXX <em>compliance</em>. This <em>must</em> be <em>done</em> in a <em>truthful</em>, correct, complete, and timely manner as to not violate my consumer and civil rights."]},"sort":[16.902296,"10764153"]},{"_index":"complaint-public-v1","_id":"8368698","_score":16.86763,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. \n\nSummary of Accounts being challenged in list form XXXX XXXX - Account XXXX My parent has the same name as me. \n\nXXXX - Account XXXX Please Update all payments, all pay was made on time.","date_sent_to_company":"2024-02-19T04:24:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"8368698","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-19T04:19:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 <em>compliance</em> <em>which</em> <em>must</em> be <em>done</em> <em>truthfully</em> with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided."]},"sort":[16.86763,"8368698"]},{"_index":"complaint-public-v1","_id":"8368778","_score":16.854393,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.\n\nSummary of Accounts being challenged in list form XXXX XXXX - Account XXXX My parent has the same name as me. \n\nXXXX - Account XXXX Please Update all payments, all pay was made on time.","date_sent_to_company":"2024-02-19T04:24:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"8368778","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-19T04:24:44.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 <em>compliance</em> <em>which</em> <em>must</em> be <em>done</em> <em>truthfully</em> with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided."]},"sort":[16.854393,"8368778"]},{"_index":"complaint-public-v1","_id":"8368779","_score":16.848398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. \n\nSummary of Accounts being challenged in list form XXXX XXXX - Account XXXX My parent has the same name as me. \n\nXXXX - Account XXXX Please Update all payments, all pay was made on time.","date_sent_to_company":"2024-02-19T04:24:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"8368779","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-19T04:24:44.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 <em>compliance</em> <em>which</em> <em>must</em> be <em>done</em> <em>truthfully</em> with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided."]},"sort":[16.848398,"8368779"]},{"_index":"complaint-public-v1","_id":"8357029","_score":16.848398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. \n\nSummary of Accounts being challenged in list form XXXXXXXX XXXX XXXXXXXX - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX  - Account XXXX Please Update all payments, all pay was made on time.","date_sent_to_company":"2024-02-16T15:54:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"8357029","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-16T15:49:23.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 <em>compliance</em> <em>which</em> <em>must</em> be <em>done</em> <em>truthfully</em> with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided."]},"sort":[16.848398,"8357029"]},{"_index":"complaint-public-v1","_id":"7607213","_score":16.842743,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. \nBelow is a summary of the data in which I am challenging : Personal Information for XXXX  NAME : XXXX XXXX XXXX XXXX Can you please delete any records in your system where my name is not exactly XXXX XXXX XXXX XXXX \nThis will ensure that the database has accurate information about me. \nCURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Please delete any address in your system that does not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any address in your system that does not match my address of XXXX XXXX XXXX XXXX XXXX, TN XXXX In appreciation According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! \nXXXX XXXX XXXX","date_sent_to_company":"2023-09-27T02:16:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"372XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7607213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-27T02:16:31.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any address in your system that does not match my address of XXXX XXXX XXXX XXXX XXXX, TN XXXX In appreciation According to the law, you and data furnishers <em>must</em> certify all aspects of required FCRA/Metro 2 <em>compliance</em>. This <em>must</em> be <em>done</em> in a <em>truthful</em>, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms!"]},"sort":[16.842743,"7607213"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1082,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1082}]}},"product":{"doc_count":1082,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":991,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":991}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":50,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":50}]}},{"key":"Debt 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