{"took":742,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":10753,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19726317","_score":17.046638,"_source":{"product":"Debt collection","complaint_what_happened":"Southwest Credit Systems stated in its response that it was unable to identify or confirm a specific account belonging to me. However, this account continues to report on my credit file under account number XXXX with a balance of XXXX. \n\nIf the company can not locate or confirm this account within its own internal records, then it does not have a permissible purpose under 15 U.S.C. 1681b to furnish information to consumer reporting agencies. \n\nReporting information that can not be verified violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681i, which requires a reasonable investigation before furnishing or verifying disputed information. \n\nAdditionally, furnishers are required to report in compliance with the XXXX XXXX XXXX XXXX XXXX XXXX standards. If Southwest Credit Systems can not identify this account in its system, it can not certify that the data being furnished meets XXXX XXXX accuracy and integrity requirements. Continuing to report an account that can not be validated internally raises serious concerns regarding data integrity and compliance. \n\nThe companys response directly contradicts the active reporting currently reflected on my credit report.","date_sent_to_company":"2026-02-24T03:00:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"77546","tags":null,"has_narrative":true,"complaint_id":"19726317","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2026-02-24T02:58:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Reporting information that can not be verified violates 15 U.S.C. 1681e ( b ), <em>which</em> <em>requires</em> maximum possible accuracy, and 15 U.S.C. 1681i, <em>which</em> <em>requires</em> a reasonable investigation before <em>furnishing</em> or verifying disputed information. \n\nAdditionally, <em>furnishers</em> are <em>required</em> to report in <em>compliance</em> with the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> standards."]},"sort":[17.046638,"19726317"]},{"_index":"complaint-public-v1","_id":"17584306","_score":16.391884,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. These include, but may not be limited to : - Failure to report the required Compliance Condition Code \" XB '' while this account is under active consumer dispute.\n\n- Inaccurate Account Status Code reporting ( e.g., reporting \" 11 - Current account '' when late history exists ).\n\n* Incorrect Date of First Delinquency ( DOFD ) affecting reporting period.\n\n* Reporting of a balance on a charged-off account in violation of Metro 2 guidelines.\n\nThese reporting inaccuracies are in direct violation of the Metro 2 Format specifications and FCRA 623 ( a ) ( 1 ) ( A ), which reguires furnishers to provide accurate information. I am requesting an immediate reinvestigation of this account with attention to the specific Metro 2 fields and codes listed above. If the furnisher can not verify the data in full compliance with Metro 2 standards, the account must be updated or deleted as required by law.\n\nRequested Action : - Conduct a full investigation with the data furnisher via the ACDV/E-Oscar system.\n\n- Require the furnisher to either correct the Metro 2 coding or delete the tradeline entirely it proper verification can not be made.\n\n- Provide me with a written response detailing the results of this investigation within XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-29T02:43:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92301","tags":null,"has_narrative":true,"complaint_id":"17584306","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-29T02:17:41.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["Requested Action : - Conduct a full investigation with the <em>data</em> <em>furnisher</em> via the ACDV/E-Oscar system.\n\n- <em>Require</em> the <em>furnisher</em> to either correct the Metro 2 coding or delete the tradeline entirely it proper verification can not be made.\n\n- Provide me with a written response detailing the results of this investigation within <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"]},"sort":[16.391884,"17584306"]},{"_index":"complaint-public-v1","_id":"16538117","_score":16.240078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : 1. Dept OF EDXXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - K4/3 Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Experian immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:13:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16538117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-13T21:02:49.000Z","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":["Inconsistencies and unverifiable <em>data</em> of this nature fail to meet the <em>required</em> standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), <em>which</em> mandates <em>data</em> <em>furnishers</em> to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect <em>data</em> after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n."]},"sort":[16.240078,"16538117"]},{"_index":"complaint-public-v1","_id":"16536763","_score":16.209074,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA 1681i and Metro 2 standards : These include, but may not be limited to : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, - Failure to report the required Compliance Condition Code XB while account is under active consumer dispute - The Account Status Metro 2 Base 17A compliance violation - Current Balance Metro Base 12 compliance violation - Terms Metro 2 Base 13 compliance violations- Last Payment Date Metro 2 Base 17 compliance violation - Special Comment Metro 2 Base 19 compliance violation - Reporting Summary Metro 2 Base 18 compliance violation - XXXX Segment Mero 2 compliance violation This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for Equifax immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the Consumer Data Industry Association ( CDIA ). \n\nAlso, I am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my XXXX  credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n.","date_sent_to_company":"2025-10-13T21:26:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"16536763","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-13T21:19:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Inconsistencies and unverifiable <em>data</em> of this nature fail to meet the <em>required</em> standards outlined in the Metro 2 Format and violate FCRA 1681e ( b ), <em>which</em> mandates <em>data</em> <em>furnishers</em> to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect <em>data</em> after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA 1681n."]},"sort":[16.209074,"16536763"]},{"_index":"complaint-public-v1","_id":"18683165","_score":16.163147,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint concerns the account reported by XXXX XXXX  XXXX ( XXXX XXXX ), which is being furnished inaccurately and in violation of federal consumer protection laws, XXXX XXXX reporting standards, and CFPB regulations. I dispute the accuracy, completeness, and legality of the information being reported, and I demand a lawful reinvestigation and immediate corrective action. \n\nXXXX XXXX  XXXX has failed to report this account with maximum possible accuracy as required under FCRA 602 ( A ), 607 ( b ), and 623 ( a ) by continuing to publish information that is inaccurate, inconsistent, incomplete, and misleading in violation of FCRA 1681s-2 ( a ), FCRA 1681e ( b ), and CFPB Regulation V. The continued furnishing of unverifiable, contradictory data fails XXXX XXXX Compliance Standards, specifically XXXX XXXX FAQ guidance, Credit Reporting Resource Guide ( CRRG ) rules on account status codes, payment history, and data integrity reporting obligations.\n\nUnder FCRA 611 ( a ) ( 5 ), the furnisher and the credit reporting agency are required to conduct a reasonable investigation, verify the accuracy with original source documentation, and correct or delete any data that can not be fully and lawfully verified. Re-furnishing unverifiable data is a violation of FCRA 623 ( a ) ( 8 ) and FCRA 623 ( b ).\n\nFurthermore, knowingly reporting false, inaccurate, or misleading information after notice of dispute constitutes willful non-compliance under FCRA 616, negligent non-compliance under FCRA 617, and an unfair, deceptive, and abusive act or practice ( UDAAP ) under the CFPB Act 12 U.S.C. 5531 & 5536.","date_sent_to_company":"2026-01-13T16:13:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91737","tags":null,"has_narrative":true,"complaint_id":"18683165","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-11-03T15:09:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The continued <em>furnishing</em> of unverifiable, contradictory <em>data</em> fails <em>XXXX</em> <em>XXXX</em> <em>Compliance</em> Standards, specifically <em>XXXX</em> <em>XXXX</em> FAQ guidance, Credit Reporting Resource Guide ( CRRG ) rules on account status codes, payment history, and <em>data</em> integrity reporting obligations."]},"sort":[16.163147,"18683165"]},{"_index":"complaint-public-v1","_id":"17125405","_score":16.097841,"_source":{"product":"Debt collection","complaint_what_happened":"This collection is inaccurate and unlawful under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 611 ( 15 U.S.C. 1681i ), which require furnishers to report only verified information and to investigate factual disputes.\n\nI have requested validation for over 90 days and have never received any written notice as required by 15 U.S.C. 1692g ( FDCPA ). \nPer XXXX XXXX Compliance Manual 4.3.1, a data furnisher must not continue to report a debt that remains unverified or lacks documentation.\n\nBecause LVNV Funding has failed to provide evidence of ownership or a valid contract, this reporting constitutes willful non-compliance.","date_sent_to_company":"2025-11-09T19:00:38.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"76904","tags":null,"has_narrative":true,"complaint_id":"17125405","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-11-09T18:50:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Per <em>XXXX</em> <em>XXXX</em> <em>Compliance</em> Manual 4.3.1, a <em>data</em> <em>furnisher</em> must not continue to report a debt that remains unverified or lacks documentation.\n\nBecause LVNV Funding has failed to provide evidence of ownership or a valid contract, this reporting constitutes willful non-<em>compliance</em>."]},"sort":[16.097841,"17125405"]},{"_index":"complaint-public-v1","_id":"10098166","_score":15.904558,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against LCI Consumer Center for Failure to Respond and Furnishing Inaccurate Information Dear CFPB, I am writing to formally file a complaint against LCI Consumer Center, located at XXXX XXXX XXXX, XXXX, CA XXXX, for their failure to respond to multiple correspondence requests I have made and for furnishing inaccurate information to credit bureaus in violation of XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ). \n\nTo date, I have sent five ( 5 ) letters to LCI Consumer Center over a period of 7 months all of which were addressed directly to their po box . My requests included inquiries about the specific information they are furnishing to the credit bureaus and how they are sourcing this data. Requesting they provide proof and update to report accurately and within XXXX compliance guidelines. \n\nAdditionally, the information LCI is reporting to the credit bureaus contains inaccuracies. They have failed to uphold XXXX XXXX compliance guidelines, which require accuracy, timeliness, and the correction of any discrepancies in reporting. Their negligence in providing accurate reporting violates the FCRA, particularly 15 U.S.C. 1681s-2 ( a ), which mandates that data furnishers report information with maximum accuracy. Furthermore, their lack of response also violates FCRA provisions requiring furnishers to investigate and correct disputed information promptly. \n\nGiven LCIs repeated failure to comply with these regulations, I am now left with no choice but to take legal action if this matter is not resolved immediately. I request the deletion of the record from my credit report in its entirety and expect prompt communication from LCI confirming this.\n\nAt this point, ample time has been given for LCI to address these issues. I request that the CFPB take immediate action to investigate LCI 's conduct and ensure compliance with XXXX XXXX standards and the FCRA. \n\nThank you for your attention to this matter. I look forward to a resolution and the removal of the incorrect reporting on my credit file.","date_sent_to_company":"2024-09-12T17:01:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11413","tags":null,"has_narrative":true,"complaint_id":"10098166","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"LCI Acquisition Inc.","date_received":"2024-09-12T16:47:44.000Z","state":"NY","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["They have failed to uphold <em>XXXX</em> <em>XXXX</em> <em>compliance</em> guidelines, <em>which</em> <em>require</em> accuracy, timeliness, and the correction of any discrepancies in reporting. Their negligence in providing accurate reporting violates the FCRA, particularly 15 U.S.C. 1681s-2 ( a ), <em>which</em> mandates that <em>data</em> <em>furnishers</em> report information with maximum accuracy. Furthermore, their lack of response also violates FCRA provisions <em>requiring</em> <em>furnishers</em> to investigate and correct disputed information promptly."]},"sort":[15.904558,"10098166"]},{"_index":"complaint-public-v1","_id":"12681016","_score":15.883749,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Dispute of Inaccurate Collection Account and Demand for Removal in Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following collection account reported on my credit file : Creditor Name : Sunrise Credit Services Account Number : XXXX Date Reported : XX/XX/year> Balance : {$78.00} Upon thorough review of my credit report, I identified that the above-referenced collection account contains inaccurate and/or unverifiable information, in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which mandates credit reporting agencies ( CRAs ) to maintain maximum possible accuracy in consumer reports. \nFCRA Violations and Legal Non-Compliance FCRA 1681b Permissible Purpose : This section requires that data furnishers and CRAs have a permissible purpose to report or access my credit file. If this collection account was reported without proper validation, it may constitute a violation. \n\nFCRA 1681i ( a ) Reinvestigation of Disputed Information : Under this section, you are required to conduct a reasonable investigation of the disputed item within XXXX  days of receiving this notice. Should the data furnishers fail to verify the accuracy or completeness of the information, it must be removed immediately. \n\nFCRA 1681s-2 ( b ) Duty of Data Furnishers : The data furnisher is required to conduct a proper investigation into disputes. Failure to do so constitutes non-compliance with the FCRA, making the continued reporting of this account illegal and subject to legal consequences. \n\nRecent Legal Precedent : Negligence in Compliance I would like to bring to your attention the recent lawsuits against XXXX and XXXX related to failure in maintaining compliance with FCRA regulations, resulting in substantial legal penalties. Their negligence in addressing inaccuracies and failing to properly investigate disputes demonstrates a pattern of non-compliance that can not be tolerated. \n\nAs a consumer, I am fully prepared to escalate this matter to legal counsel if you fail to comply with the FCRA regulations. Should you continue to report inaccurate information, you may be subject to legal action for damages under FCRA 1681n ( civil liability for willful noncompliance ) and FCRA 1681o ( civil liability for negligent noncompliance ).","date_sent_to_company":"2025-03-26T15:28:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"70454","tags":null,"has_narrative":true,"complaint_id":"12681016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNRISE CREDIT SERVICES, INC","date_received":"2025-03-26T15:14:37.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Should the <em>data</em> <em>furnishers</em> fail to verify the accuracy or completeness of the information, it must be removed immediately. \n\nFCRA 1681s-2 ( b ) Duty of <em>Data</em> <em>Furnishers</em> : The <em>data</em> <em>furnisher</em> is <em>required</em> to conduct a proper investigation into disputes. Failure to do so constitutes non-<em>compliance</em> with the FCRA, making the continued reporting of this account illegal and subject to legal consequences."]},"sort":[15.883749,"12681016"]},{"_index":"complaint-public-v1","_id":"16591163","_score":15.758665,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute regarding accounts added to this report. After reviewing my credit report and the furnishers response, I found that the account continues to be reported without full XXXX XXXX compliance. \n\nSpecifically, key data fields required under the XXXX XXXX format are missing or incomplete ( including Date of First Delinquency, ECOA Code, Account Type, Terms Duration, and Open/Close Dates ). Additionally, there is evidence suggesting possible re-aging or manipulation of account dates to extend its reporting duration, which violates FCRA 623 ( a ) ( 5 ).\n\nThe furnisher has not provided proof of ownership or permissible purpose to continue reporting this account under FCRA 604, nor documentation verifying the accuracy of the data as required by FCRA 611 ( a ) ( 7 ).","date_sent_to_company":"2025-10-30T14:47:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"234XX","tags":null,"has_narrative":true,"complaint_id":"16591163","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-15T23:42:11.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["After reviewing my credit report and the <em>furnishers</em> response, I found that the account continues to be reported without full <em>XXXX</em> <em>XXXX</em> <em>compliance</em>. \n\nSpecifically, key <em>data</em> fields <em>required</em> under the <em>XXXX</em> <em>XXXX</em> format are missing or incomplete ( including Date of First Delinquency, ECOA Code, Account Type, Terms Duration, and Open/Close Dates )."]},"sort":[15.758665,"16591163"]},{"_index":"complaint-public-v1","_id":"15537072","_score":15.688898,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding inaccurate and unverifiable information being reported on my credit reports by XXXX or more furnishers and/or credit reporting agencies. Despite submitting disputes, the information continues to be reported without proper investigation, documentation, or validation. \n\nUnder the Fair Credit Reporting Act ( FCRA ) XXXX, I am entitled to a reasonable reinvestigation, a detailed method of verification, and copies of all records relied upon. However, the credit reporting agencies and furnishers appear to be using automated systems ( such as e-OSCAR ) instead of conducting a thorough manual review, which fails to meet compliance standards. \n\nIn addition, the reporting practices in question may not be in compliance with XXXX XXXX reporting guidelines, which require accuracy, consistency, and completeness in all furnished data. Continuing to report unverifiable or misleading information causes ongoing harm to my creditworthiness and financial standing.","date_sent_to_company":"2025-08-26T11:32:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94544","tags":null,"has_narrative":true,"complaint_id":"15537072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHALLENGE FINANCIAL SERVICES","date_received":"2025-08-26T11:17:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["However, the credit reporting agencies and <em>furnishers</em> appear to be using automated systems ( such as e-OSCAR ) instead of conducting a thorough manual review, <em>which</em> fails to meet <em>compliance</em> standards. \n\nIn addition, the reporting practices in question may not be in <em>compliance</em> with <em>XXXX</em> <em>XXXX</em> reporting guidelines, <em>which</em> <em>require</em> accuracy, consistency, and completeness in all <em>furnished</em> <em>data</em>."]},"sort":[15.688898,"15537072"]},{"_index":"complaint-public-v1","_id":"13856197","_score":15.661748,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been the victim of data breach through XXXX XXXX and identity theft. FTC reference number is : XXXX I am also writing to dispute and formally request correction of the inaccurate reporting of the above-referenced account with XXXX XXXX XXXX XXXX Account XXXX XXXX on my credit report. \nThis account was charged off and later settled/paid in full. I requested a 1099 and have yet to receive it. However, it is also currently misclassified and being reported as an active collection account. This is both inaccurate and misleading. \nAccording to the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 602 ( A ) which mandates the accuracy and fairness of credit reporting Section 607 ( b ) which prohibits furnishing information known to be inaccurate Section 611 which provides the right to dispute inaccurate or incomplete information and requires reinvestigation by credit bureaus Section 623 ( a ) ( 1 ) ( A ) which holds furnishers accountable for reporting accurate information Section 623 ( b ) which requires furnishers to investigate disputed information thoroughly the current classification of this account violates federal law against me.\n\nIf the data furnisher can not validate this reporting in full compliance with Metro 2 standards and the FCRA, the item must be deleted from my credit report.","date_sent_to_company":"2025-06-03T00:47:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60628","tags":null,"has_narrative":true,"complaint_id":"13856197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-06-03T00:06:13.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["If the <em>data</em> <em>furnisher</em> can not validate this reporting in full <em>compliance</em> with Metro 2 standards and the FCRA, the item must be deleted from my credit report."]},"sort":[15.661748,"13856197"]},{"_index":"complaint-public-v1","_id":"13856185","_score":15.658191,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been the victim of data breach through XXXX XXXX and identity theft. FTC reference number is : XXXX I am also writing to dispute and formally request correction of the inaccurate reporting of the above-referenced account with XXXX XXXX XXXX XXXX Account XXXX XXXX on my credit report. \nThis account was charged off and later settled/paid in full. I requested a 1099 and have yet to receive it. However, it is also currently misclassified and being reported as an active collection account. This is both inaccurate and misleading.\n\nAccording to the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 602 ( A ) which mandates the accuracy and fairness of credit reporting Section 607 ( b ) which prohibits furnishing information known to be inaccurate Section 611 which provides the right to dispute inaccurate or incomplete information and requires reinvestigation by credit bureaus Section 623 ( a ) ( 1 ) ( A ) which holds furnishers accountable for reporting accurate information Section 623 ( b ) which requires furnishers to investigate disputed information thoroughly the current classification of this account violates federal law against me.\n\nIf the data furnisher can not validate this reporting in full compliance with XXXX XXXX standards and the FCRA, the item must be deleted from my credit report.","date_sent_to_company":"2025-06-03T00:47:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60628","tags":null,"has_narrative":true,"complaint_id":"13856185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-06-03T00:47:10.000Z","state":"IL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["If the <em>data</em> <em>furnisher</em> can not validate this reporting in full <em>compliance</em> with <em>XXXX</em> <em>XXXX</em> standards and the FCRA, the item must be deleted from my credit report."]},"sort":[15.658191,"13856185"]},{"_index":"complaint-public-v1","_id":"11568470","_score":15.525835,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request a written response from Equifax, submitted through the CFPB portal, outlining the steps that will be taken to escalate and resolve my dispute regarding the inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX account ending in XXXX aka XXXX. Please reference CFPB complaint # XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputes and ensure the accuracy of the information reported. Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers are obligated to conduct a thorough investigation and provide written documentation to verify the accuracy of the information they supply. In this case, the furnisher of the data has failed to provide the required documentation, and Equifax has failed to take appropriate steps to address the inaccuracies in compliance with the law.\n\nI also invoke my rights under 15 U.S.C. 1681c-2, which provides protections for the removal of inaccurate or unverifiable information. Given that the furnisher has not provided documentation to validate the account, Equifax is legally required to delete the disputed information from my credit file. \n\nThe continued reporting of this inaccurate information has caused significant stress and hardship, preventing me from securing credit or financing. XXXX failure to ensure compliance with the FCRA exacerbates these issues and violates my rights as a consumer.","date_sent_to_company":"2025-01-16T19:33:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60615","tags":null,"has_narrative":true,"complaint_id":"11568470","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-16T18:59:25.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In this case, the <em>furnisher</em> of the <em>data</em> has failed to provide the <em>required</em> documentation, and Equifax has failed to take appropriate steps to address the inaccuracies in <em>compliance</em> with the law.\n\nI also invoke my rights under 15 U.S.C. 1681c-2, <em>which</em> provides protections for the removal of inaccurate or unverifiable information. Given that the <em>furnisher</em> has not provided documentation to validate the account, Equifax is legally <em>required</em> to delete the disputed information from my credit file."]},"sort":[15.525835,"11568470"]},{"_index":"complaint-public-v1","_id":"11523187","_score":15.48095,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Response to CFPB Complaint - XXXX Dear LCI Consumer Center, I am writing in response to your letter dated XX/XX/XXXX, concerning my dispute regarding the inaccurate and noncompliant reporting of a XXXX  XXXX bankruptcy on my XXXX credit report. \n\nYour response to my CFPB complaint asserts that you obtained the bankruptcy information from public records and conducted a reinvestigation to verify its accuracy. However, I believe your investigation falls short of the required standards outlined by the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines. \n\nLack of Certified Compliance with XXXX XXXX Standards : According to XXXX XXXX guidelines, data furnishers are required to ensure the utmost accuracy and compliance when reporting consumer data. Your response fails to demonstrate that the reported bankruptcy information adheres to these standards. Specifically, you did not provide certified proof that you physically verified each data element for \" maximum possible accuracy and compliance, '' as mandated by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nDiscrepancies Between XXXX  Records and LCI Reports : The information in your recordsspecifically the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdoes not align with the data in the XXXX report I obtained directly on XX/XX/XXXX. Moreover, there are significant discrepancies between your Consumer Disclosure Report ( XX/XX/XXXX ) and the LCI data, which highlight inaccuracies and inconsistencies in your reporting.\n\nFailure to Establish Reporting Rights : You claim the information was obtained from publicly available sources ; however, no documentation was provided to prove you have the legal authority or explicit permission to furnish this information to XXXX. Reporting data without such authority violates the FCRA 's \" permissible purpose '' requirements. \n\nDenial of Resolution Responsibility Your claim that LCI can not amend, delete, or remove publicly available information raises concerns. As the furnisher of this data, you are responsible for ensuring the information you report is accurate and compliant. Suggesting that I contact the XXXX Bankruptcy XXXX or XXXX shifts accountability away from LCI and does not satisfy your obligations under the FCRA. \n\nInadequate Reinvestigation Despite your reinvestigation, my original dispute highlighted deficiencies in the reported information, including the absence of certified compliance and proper verification. LCI failed to address or correct these issues effectively.","date_sent_to_company":"2025-01-14T23:01:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34606","tags":"Servicemember","has_narrative":true,"complaint_id":"11523187","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LCI Acquisition Inc.","date_received":"2025-01-14T22:53:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["However, I believe your investigation falls short of the <em>required</em> standards outlined by the Fair Credit Reporting Act ( FCRA ) and <em>XXXX</em> <em>XXXX</em> reporting guidelines. \n\nLack of Certified <em>Compliance</em> with <em>XXXX</em> <em>XXXX</em> Standards : According to <em>XXXX</em> <em>XXXX</em> guidelines, <em>data</em> <em>furnishers</em> are <em>required</em> to ensure the utmost accuracy and <em>compliance</em> when reporting consumer <em>data</em>. Your response fails to demonstrate that the reported bankruptcy information adheres to these standards."]},"sort":[15.48095,"11523187"]},{"_index":"complaint-public-v1","_id":"9816710","_score":15.396386,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I formally disputed inaccurate and incorrect information that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. Additionally, I am aware that your agency and the data furnishers are required to comply with XXXX XXXX format standards when reporting data, which includes ensuring accuracy and timely updates. \nDispute Details and Specific Violations : 1. Inaccurate Data Reporting ( XXXX XXXX Compliance Violation ) XXXX XXXX XXXX ACOOUNT # XXXX Issue : The information reported on this account is incorrect. I have identified errors such as [ describe the incorrect data, e.g., incorrect balance, wrong payment history, incorrect status ]. \nRequested Action : Please update the account information in compliance with XXXX XXXX standards, using the appropriate Compliance Condition Code ( such as \" XB '' for resolved disputes or \" XR '' for deletions ). \n2. Willful Noncompliance ( FCRA Violation ) XXXX XXXX XXXX ACOOUNT # XXXX Issue : The furnisher of this data has knowingly reported incorrect information despite my previous dispute efforts. This constitutes willful noncompliance under the FCRA, and I request that the data be corrected or removed immediately to avoid further legal action. \n3. Failure to Properly Reinvestigate ( FCRA Violation ) XXXX XXXX / ACOOUNT # XXXX Issue : Despite my previous dispute request, the data furnisher failed to conduct a reasonable reinvestigation and continues to report inaccurate information. This is a violation of FCRA Section 611 ( a ). Please update the account and apply the proper Compliance Condition Codes ( \" XB '' or \" XR '' ). \n4. Failure to Provide Method of Investigation ( FCRA Violation ) XXXX XXXX / ACOOUNT # XXXX Issue : After submitting a dispute, I was not provided with details regarding the method of investigation conducted by the data furnisher. Under the FCRA, I am entitled to receive this information. Please provide the method of investigation within 15 days of receiving this letter, as well as any documentation supporting the verification of the reported information.","date_sent_to_company":"2024-08-15T14:49:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"366XX","tags":null,"has_narrative":true,"complaint_id":"9816710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-15T14:33:13.000Z","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":["Additionally, I am aware that your agency and the <em>data</em> <em>furnishers</em> are <em>required</em> to comply with <em>XXXX</em> <em>XXXX</em> format standards when reporting <em>data</em>, <em>which</em> includes ensuring accuracy and timely updates. \nDispute Details and Specific Violations : 1. Inaccurate <em>Data</em> Reporting ( <em>XXXX</em> <em>XXXX</em> <em>Compliance</em> Violation ) <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ACOOUNT # <em>XXXX</em> Issue : The information reported on this account is incorrect."]},"sort":[15.396386,"9816710"]},{"_index":"complaint-public-v1","_id":"16388991","_score":15.377917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2, as well as Metro 2 Compliance Guidelines, for the continued reporting of inaccurate and unverifiable information by the credit bureaus and the furnishers listed above. \nI have sent XXXX separate dispute letters since XX/XX/year>, with the most recent mailed on XX/XX/year>. I have not received any proper responses or proof of reinvestigation from any credit bureau or data furnisher. \nThe following violations apply : Failure to properly reinvestigate disputes ( 1681i ) Continued reporting of inaccurate or unverifiable information ( 1681s-2 ( b ) ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 1681e ( b ) ) Non-compliance with Metro 2 standards, which require furnishers to update, correct, or delete unverifiable data XXXX XXXX and XXXX continue to show as charge-offs or derogatory accounts even though the balances have been resolved. XXXXXXXX XXXX is still showing a XXXX late payment, but the account was closed in good standing with no balance owed. These are factually inaccurate and have remained on my credit report despite multiple disputes. \nUnder FCRA 611 ( a ) and Metro 2 standards, furnishers are required to provide documentation proving accuracy or delete the information if it can not be verified. Since no verification has been provided within the required timeframe, I am requesting immediate deletion of these accounts, not correction.","date_sent_to_company":"2025-10-06T17:55:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76904","tags":null,"has_narrative":true,"complaint_id":"16388991","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-06T17:55:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The following violations apply : Failure to properly reinvestigate disputes ( 1681i ) Continued reporting of inaccurate or unverifiable information ( 1681s-2 ( b ) ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 1681e ( b ) ) Non-<em>compliance</em> with Metro 2 standards, <em>which</em> <em>require</em> <em>furnishers</em> to update, correct, or delete unverifiable <em>data</em> <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> continue to show as charge-offs or derogatory accounts even though the balances have been resolved."]},"sort":[15.377917,"16388991"]},{"_index":"complaint-public-v1","_id":"16602723","_score":15.367162,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. The following data fields are either inaccurate, incomplete, or unverifiable under FCRA XXXX and Metro 2 standards : These include, but may not be limited to Accounts in Dispute : XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX Specifically - Failure to report the required Compliance Condition Code XXXX  while account is under active consumer dispute - FCRA Compliance / Date of First Delinquency DOFD Metro 2 ( Base XXXX ) compliance violation - Portfolio Type Metro 2 ( Base XXXX ) compliance violation - Date Open Metro 2 ( Base XXXX ) compliance violation - Payment History Profile Metro 2 ( Field XXXX ) compliance violation - The Account Status Metro 2 Base XXXX compliance violation - Current Balance Metro 2 Base XXXX compliance violation - ECOA Code XXXX XXXX & XXXX - Last Payment Date Metro 2 Base XXXX compliance violation - Special Comment Metro 2 Base XXXX compliance violation - XXXX Segment Metro 2 XXXX - Re-Aging Issue the report DOFD has been unlawfully re-aged. This restarts the reporting period in violation of FXRA XXXX ( c ) - Medical Debt<XXXX  This is a medical collection reported within the 180 day grace period violating current credit reporting rules This complaint is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and a demand for TransUnion immediate investigation and correction or removal of inaccurate and unverifiable information currently being reported by your bureau. This request is also in reference to compliance with Metro 2 data reporting standards as prescribed by the XXXX XXXX XXXX XXXX ( XXXX ). \n\nI am disputing the accuracy, completeness, and verifiability of the following accounts appearing on my TransUnion credit report. Which strongly suggests non-compliance and data inconsistency, violating Metro 2 formatting and FCRA requirements for accurate, consistent, and verifiable reporting. \n\nInconsistencies and unverifiable data of this nature fail to meet the required standards outlined in the Metro 2 Format and violate FCRA XXXX ( b ), which mandates data furnishers to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect data after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA XXXX.","date_sent_to_company":"2025-10-15T16:43:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"16602723","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-15T16:35:50.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Inconsistencies and unverifiable <em>data</em> of this nature fail to meet the <em>required</em> standards outlined in the Metro 2 Format and violate FCRA <em>XXXX</em> ( b ), <em>which</em> mandates <em>data</em> <em>furnishers</em> to ensure maximum possible accuracy. Furthermore, continued reporting of unverifiable or incorrect <em>data</em> after notice of dispute constitutes willful noncompliance, subject to civil liability under FCRA <em>XXXX</em>."]},"sort":[15.367162,"16602723"]},{"_index":"complaint-public-v1","_id":"16388990","_score":15.364242,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2, as well as Metro 2 Compliance Guidelines, for the continued reporting of inaccurate and unverifiable information by the credit bureaus and the furnishers listed above. \nI have sent XXXX separate dispute letters since XX/XX/year>, with the most recent mailed on XX/XX/year>. I have not received any proper responses or proof of reinvestigation from any credit bureau or data furnisher. \nThe following violations apply : Failure to properly reinvestigate disputes ( 1681i ) Continued reporting of inaccurate or unverifiable information ( 1681s-2 ( b ) ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 1681e ( b ) ) Non-compliance with Metro 2 standards, which require furnishers to update, correct, or delete unverifiable data XXXX XXXX and XXXX continue to show as charge-offs or derogatory accounts even though the balances have been resolved. XXXXXXXX XXXX is still showing a XXXX late payment, but the account was closed in good standing with no balance owed. These are factually inaccurate and have remained on my credit report despite multiple disputes. \nUnder FCRA 611 ( a ) and Metro 2 standards, furnishers are required to provide documentation proving accuracy or delete the information if it can not be verified. Since no verification has been provided within the required timeframe, I am requesting immediate deletion of these accounts, not correction.","date_sent_to_company":"2025-10-06T17:55:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76904","tags":null,"has_narrative":true,"complaint_id":"16388990","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-06T17:55:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The following violations apply : Failure to properly reinvestigate disputes ( 1681i ) Continued reporting of inaccurate or unverifiable information ( 1681s-2 ( b ) ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 1681e ( b ) ) Non-<em>compliance</em> with Metro 2 standards, <em>which</em> <em>require</em> <em>furnishers</em> to update, correct, or delete unverifiable <em>data</em> <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> continue to show as charge-offs or derogatory accounts even though the balances have been resolved."]},"sort":[15.364242,"16388990"]},{"_index":"complaint-public-v1","_id":"16388253","_score":15.364242,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2, as well as Metro 2 Compliance Guidelines, for the continued reporting of inaccurate and unverifiable information by the credit bureaus and the furnishers listed above. \nI have sent XXXX separate dispute letters since XX/XX/year>, with the most recent mailed on XX/XX/year>. I have not received any proper responses or proof of reinvestigation from any credit bureau or data furnisher. \nThe following violations apply : Failure to properly reinvestigate disputes ( 1681i ) Continued reporting of inaccurate or unverifiable information ( 1681s-2 ( b ) ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 1681e ( b ) ) Non-compliance with Metro 2 standards, which require furnishers to update, correct, or delete unverifiable data XXXX XXXX and XXXX continue to show as charge-offs or derogatory accounts even though the balances have been resolved. XXXXXXXX XXXX is still showing a XXXX late payment, but the account was closed in good standing with no balance owed. These are factually inaccurate and have remained on my credit report despite multiple disputes. \nUnder FCRA 611 ( a ) and Metro 2 standards, furnishers are required to provide documentation proving accuracy or delete the information if it can not be verified. Since no verification has been provided within the required timeframe, I am requesting immediate deletion of these accounts, not correction.","date_sent_to_company":"2025-10-06T17:55:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76904","tags":null,"has_narrative":true,"complaint_id":"16388253","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-06T17:46:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The following violations apply : Failure to properly reinvestigate disputes ( 1681i ) Continued reporting of inaccurate or unverifiable information ( 1681s-2 ( b ) ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 1681e ( b ) ) Non-<em>compliance</em> with Metro 2 standards, <em>which</em> <em>require</em> <em>furnishers</em> to update, correct, or delete unverifiable <em>data</em> <em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> continue to show as charge-offs or derogatory accounts even though the balances have been resolved."]},"sort":[15.364242,"16388253"]},{"_index":"complaint-public-v1","_id":"6689739","_score":15.344815,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. \n\nI am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.\n\nAs required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.\n\nPlease investigate these matters and remove the disputed items as soon as possible. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name belongs to someone else. Delete it from my report immediately. \nXXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX This name belongs to someone else. Delete it from my report immediately. \nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, OH XXXX - This address belongs to someone else. Delete it from my report immediately. \nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX CT XXXX, NC XXXX- This address belongs to someone else. Delete it from my report immediately. \nXXXX. The following personal information is incorrect Account Number : US DEPARTMENT OF JUS- This employer belongs to someone else. Delete it from my report immediately. \nXXXX. The following personal information is incorrect Account Number : XXXX - This employer belongs to someone else. Delete it from my report immediately. \nXXXX. XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \nXXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \nXXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \nXXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \nXXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \nXXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX O Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. \n\nXXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. \n\nXXXX. XXXX XXXX XXXX  Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. \n\nXXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. \n\nXXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. \n\nXXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. \n\nXXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX O Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. \n\nXXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. \n\nXXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XXXX","date_sent_to_company":"2023-03-13T19:02:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44515","tags":null,"has_narrative":true,"complaint_id":"6689739","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-13T18:51:53.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["As <em>required</em> by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of <em>which</em> is enclosed <em>which</em> states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.\n\nPlease investigate these matters and remove the disputed items as soon as possible. \n\n<em>XXXX</em>. The following personal information is incorrect Account Number : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>- This name belongs to someone else."]},"sort":[15.344815,"6689739"]},{"_index":"complaint-public-v1","_id":"13986017","_score":15.336555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Sir/Madam,XXXXI am writing to formally dispute the collections accounts listed on my credit report under the account numbers referenced below. Under 15 U.S. Code  1681 (FCRA) and the Metro 2 Compliance Guidelines, all information furnished to consumer reporting agencies must be accurate, complete, verifiable, and properly formatted. The accounts listed below contain violations of federal law and do not meet Metro 2 compliance standards. I am demanding full deletionXXXX DISPUTED ACCOUNTSXXXX1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXReported On: Experian, Equifax, TransUnionXXXXtIssue:XXXXThe account is inconsistently reported as both Open and Closed across different credit bureaus, which is misleading and violates FCRA  1681e(b)  bureaus are required to maintain maximum possible accuracy.\\n\\t\\tThere is no full payment history, date of last activity, or original contract shown, violating FCRA  1681s-2(b)  furnishers are required to provide accurate and verifiable information.\\n\\t\\tNo response has been provided to previous dispute attempts, violating FCRA  1681i  which mandates reinvestigation of disputed information within 30 days.\\n\\t\\tThe absence of key reporting fields also violates FCRA  1681c, which prohibits outdated or incomplete information.\\n\\t\\tThis account fails Metro 2 Compliance Guidelines regarding clear reporting of closed accounts and collection tradelines. Key fields such as Date of First Delinquency, Last Payment Date, and Account Status are either missing or inconsistent.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXStatus: CollectionXXXXReported On: EquifaxXXXXtIssue:XXXXThe account lists no original creditor, contract, or debt validation  this violates FCRA  1681s-2(b), which requires all data furnished to be verifiable and accurateXXXXThe credit bureau failed to reinvestigate or correct previously disputed errors, violating FCRA  1681i.XXXXThe entry lacks complete information such as payment history, creditor details, or supporting documentation, which breaches FCRA  1681e(b) by failing to uphold accuracyXXXXThe formatting of the account does not meet Metro 2 Compliance, including the absence of fields like date of last activity, last payment date, and appropriate account type/status code. This leads to consumer confusion and misrepresentation of credit risk.XXXXAttached-Documents Below:XXXXPhoto-IDXXXXSSNXXXXCredit ReportsXXXXReference NumberXXXXLEGAL JUSTIFICATION\\XXXXUnder the Fair Credit Reporting Act, I am protected from the furnishing and reporting of inaccurate or unverifiable information. When information is incomplete, outdated, or cannot be validated, it must be removed. Specifically:XXXXtFCRA  1681e(b)  Requires maximum possible accuracy in credit reporting. Inconsistent statuses and missing data violate thisXXXXtFCRA  1681s-2(b)  Requires data furnishers to investigate, correct, or delete disputed information that cannot be verified.\\n\\t\\tFCRA  1681i  Credit bureaus must reinvestigate and resolve consumer disputes within 30 days.XXXXFCRA  1681c  Prohibits the reporting of outdated, misleading, or incomplete negative informationXXXXtMetro 2 Compliance  Mandates proper format, field population, and clarity when furnishing credit data. Incomplete or conflicting data fields violate Metro 2 guidelines and cannot be legally reportedXXXX RESOLUTION REQUESTED\\XXXXtImmediate and permanent deletion of the XXXX XXXX and XXXX XXXX XXXX  collection accounts from Experian, Equifax, and TransUnion.XXXXtWritten confirmation of deletion within XXXX  calendar days from the receipt of this letterXXXXNo further reporting of these accounts unless original signed contracts, complete payment records, and fully Metro 2-compliant documentation can be presentedXXXXIf these accounts are not deleted within the legally mandated period, I will file formal complaints with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) and pursue civil legal remedies under FCRA  1681n and 1681o for negligent or willful noncompliance, including statutory and punitive damages.XXXXThank you for your attention and complianceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-09T18:45:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20032","tags":null,"has_narrative":true,"complaint_id":"13986017","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-09T18:44:45.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Inconsistent statuses and missing <em>data</em> violate thisXXXXtFCRA  1681s-2(b)  <em>Requires</em> <em>data</em> <em>furnishers</em> to investigate, correct, or delete disputed information that cannot be verified.\\n\\t\\tFCRA  1681i  Credit bureaus must reinvestigate and resolve consumer disputes within 30 days.XXXXFCRA  1681c  Prohibits the reporting of outdated, misleading, or incomplete negative informationXXXXtMetro 2 <em>Compliance</em>  Mandates proper format, field population, and clarity when <em>furnishing</em> credit <em>data</em>."]},"sort":[15.336555,"13986017"]},{"_index":"complaint-public-v1","_id":"13978956","_score":15.336555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Sir/Madam,XXXXI am writing to formally dispute the collections accounts listed on my credit report under the account numbers referenced below. Under 15 U.S. Code  1681 (FCRA) and the Metro 2 Compliance Guidelines, all information furnished to consumer reporting agencies must be accurate, complete, verifiable, and properly formatted. The accounts listed below contain violations of federal law and do not meet Metro 2 compliance standards. I am demanding full deletionXXXX DISPUTED ACCOUNTSXXXX1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXReported On: Experian, Equifax, TransUnionXXXXtIssue:XXXXThe account is inconsistently reported as both Open and Closed across different credit bureaus, which is misleading and violates FCRA  1681e(b)  bureaus are required to maintain maximum possible accuracy.\\n\\t\\tThere is no full payment history, date of last activity, or original contract shown, violating FCRA  1681s-2(b)  furnishers are required to provide accurate and verifiable information.\\n\\t\\tNo response has been provided to previous dispute attempts, violating FCRA  1681i  which mandates reinvestigation of disputed information within 30 days.\\n\\t\\tThe absence of key reporting fields also violates FCRA  1681c, which prohibits outdated or incomplete information.\\n\\t\\tThis account fails Metro 2 Compliance Guidelines regarding clear reporting of closed accounts and collection tradelines. Key fields such as Date of First Delinquency, Last Payment Date, and Account Status are either missing or inconsistent.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXStatus: CollectionXXXXReported On: EquifaxXXXXtIssue:XXXXThe account lists no original creditor, contract, or debt validation  this violates FCRA  1681s-2(b), which requires all data furnished to be verifiable and accurateXXXXThe credit bureau failed to reinvestigate or correct previously disputed errors, violating FCRA  1681i.XXXXThe entry lacks complete information such as payment history, creditor details, or supporting documentation, which breaches FCRA  1681e(b) by failing to uphold accuracyXXXXThe formatting of the account does not meet Metro 2 Compliance, including the absence of fields like date of last activity, last payment date, and appropriate account type/status code. This leads to consumer confusion and misrepresentation of credit risk.XXXXAttached-Documents Below:XXXXPhoto-IDXXXXSSNXXXXCredit ReportsXXXXReference NumberXXXXLEGAL JUSTIFICATION\\XXXXUnder the Fair Credit Reporting Act, I am protected from the furnishing and reporting of inaccurate or unverifiable information. When information is incomplete, outdated, or cannot be validated, it must be removed. Specifically:XXXXtFCRA  1681e(b)  Requires maximum possible accuracy in credit reporting. Inconsistent statuses and missing data violate thisXXXXtFCRA  1681s-2(b)  Requires data furnishers to investigate, correct, or delete disputed information that cannot be verified.\\n\\t\\tFCRA  1681i  Credit bureaus must reinvestigate and resolve consumer disputes within 30 days.XXXXFCRA  1681c  Prohibits the reporting of outdated, misleading, or incomplete negative informationXXXXtMetro 2 Compliance  Mandates proper format, field population, and clarity when furnishing credit data. Incomplete or conflicting data fields violate Metro 2 guidelines and cannot be legally reportedXXXX RESOLUTION REQUESTED\\XXXXtImmediate and permanent deletion of the XXXX XXXX and XXXX XXXX XXXX  collection accounts from Experian, Equifax, and TransUnion.XXXXtWritten confirmation of deletion within XXXX  calendar days from the receipt of this letterXXXXNo further reporting of these accounts unless original signed contracts, complete payment records, and fully Metro 2-compliant documentation can be presentedXXXXIf these accounts are not deleted within the legally mandated period, I will file formal complaints with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) and pursue civil legal remedies under FCRA  1681n and 1681o for negligent or willful noncompliance, including statutory and punitive damages.XXXXThank you for your attention and complianceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-09T18:45:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20032","tags":null,"has_narrative":true,"complaint_id":"13978956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-09T18:24:05.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Inconsistent statuses and missing <em>data</em> violate thisXXXXtFCRA  1681s-2(b)  <em>Requires</em> <em>data</em> <em>furnishers</em> to investigate, correct, or delete disputed information that cannot be verified.\\n\\t\\tFCRA  1681i  Credit bureaus must reinvestigate and resolve consumer disputes within 30 days.XXXXFCRA  1681c  Prohibits the reporting of outdated, misleading, or incomplete negative informationXXXXtMetro 2 <em>Compliance</em>  Mandates proper format, field population, and clarity when <em>furnishing</em> credit <em>data</em>."]},"sort":[15.336555,"13978956"]},{"_index":"complaint-public-v1","_id":"13978005","_score":15.330316,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Sir/Madam,XXXXI am writing to formally dispute the collections accounts listed on my credit report under the account numbers referenced below. Under 15 U.S. Code  1681 (FCRA) and the Metro 2 Compliance Guidelines, all information furnished to consumer reporting agencies must be accurate, complete, verifiable, and properly formatted. The accounts listed below contain violations of federal law and do not meet Metro 2 compliance standards. I am demanding full deletionXXXX DISPUTED ACCOUNTSXXXX1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXReported On: Experian, Equifax, TransUnionXXXXtIssue:XXXXThe account is inconsistently reported as both Open and Closed across different credit bureaus, which is misleading and violates FCRA  1681e(b)  bureaus are required to maintain maximum possible accuracy.\\n\\t\\tThere is no full payment history, date of last activity, or original contract shown, violating FCRA  1681s-2(b)  furnishers are required to provide accurate and verifiable information.\\n\\t\\tNo response has been provided to previous dispute attempts, violating FCRA  1681i  which mandates reinvestigation of disputed information within 30 days.\\n\\t\\tThe absence of key reporting fields also violates FCRA  1681c, which prohibits outdated or incomplete information.\\n\\t\\tThis account fails Metro 2 Compliance Guidelines regarding clear reporting of closed accounts and collection tradelines. Key fields such as Date of First Delinquency, Last Payment Date, and Account Status are either missing or inconsistent.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXStatus: CollectionXXXXReported On: EquifaxXXXXtIssue:XXXXThe account lists no original creditor, contract, or debt validation  this violates FCRA  1681s-2(b), which requires all data furnished to be verifiable and accurateXXXXThe credit bureau failed to reinvestigate or correct previously disputed errors, violating FCRA  1681i.XXXXThe entry lacks complete information such as payment history, creditor details, or supporting documentation, which breaches FCRA  1681e(b) by failing to uphold accuracyXXXXThe formatting of the account does not meet Metro 2 Compliance, including the absence of fields like date of last activity, last payment date, and appropriate account type/status code. This leads to consumer confusion and misrepresentation of credit risk.XXXXAttached-Documents Below:XXXXPhoto-IDXXXXSSNXXXXCredit ReportsXXXXReference NumberXXXXLEGAL JUSTIFICATION\\XXXXUnder the Fair Credit Reporting Act, I am protected from the furnishing and reporting of inaccurate or unverifiable information. When information is incomplete, outdated, or cannot be validated, it must be removed. Specifically:XXXXtFCRA  1681e(b)  Requires maximum possible accuracy in credit reporting. Inconsistent statuses and missing data violate thisXXXXtFCRA  1681s-2(b)  Requires data furnishers to investigate, correct, or delete disputed information that cannot be verified.\\n\\t\\tFCRA  1681i  Credit bureaus must reinvestigate and resolve consumer disputes within 30 days.XXXXFCRA  1681c  Prohibits the reporting of outdated, misleading, or incomplete negative informationXXXXtMetro 2 Compliance  Mandates proper format, field population, and clarity when furnishing credit data. Incomplete or conflicting data fields violate Metro 2 guidelines and cannot be legally reportedXXXX RESOLUTION REQUESTED\\XXXXtImmediate and permanent deletion of the XXXX XXXX and XXXX XXXX XXXX  collection accounts from Experian, Equifax, and TransUnion.XXXXtWritten confirmation of deletion within XXXX  calendar days from the receipt of this letterXXXXNo further reporting of these accounts unless original signed contracts, complete payment records, and fully Metro 2-compliant documentation can be presentedXXXXIf these accounts are not deleted within the legally mandated period, I will file formal complaints with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) and pursue civil legal remedies under FCRA  1681n and 1681o for negligent or willful noncompliance, including statutory and punitive damages.XXXXThank you for your attention and complianceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-09T18:45:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20032","tags":null,"has_narrative":true,"complaint_id":"13978005","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-09T18:44:45.000Z","state":"DC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Inconsistent statuses and missing <em>data</em> violate thisXXXXtFCRA  1681s-2(b)  <em>Requires</em> <em>data</em> <em>furnishers</em> to investigate, correct, or delete disputed information that cannot be verified.\\n\\t\\tFCRA  1681i  Credit bureaus must reinvestigate and resolve consumer disputes within 30 days.XXXXFCRA  1681c  Prohibits the reporting of outdated, misleading, or incomplete negative informationXXXXtMetro 2 <em>Compliance</em>  Mandates proper format, field population, and clarity when <em>furnishing</em> credit <em>data</em>."]},"sort":[15.330316,"13978005"]},{"_index":"complaint-public-v1","_id":"6560220","_score":15.317985,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. \n\nI am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. \n\nAs required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. \n\nPlease investigate these matters and remove the disputed items as soon as possible. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX This name belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, OH XXXX - This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX CT XXXX, NC XXXX- This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX DEPARTMENT OF XXXX- This employer belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account XXXX : XXXX - This employer belongs to someone else. Delete it from my report immediately. \n\nXXXX. XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION C F FINANCE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION FAIRWAY INDE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION CB INDIGO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION CPS Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION COAF Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION REGIONAL XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX CRE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  FIN Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX O Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. \n\nXXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. \n\nXXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. \n\nXXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. \n\nXXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. \n\nXXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. \n\nXXXX. XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\nXXXXXXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION COAF Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION CPS Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  CRE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  C Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  C Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION COAF Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX O Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. \n\nXXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. \n\nXXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION CPS Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION COAF Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  C Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \n\nXXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2","date_sent_to_company":"2023-02-11T20:26:37.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"44515","tags":null,"has_narrative":true,"complaint_id":"6560220","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-11T20:22:42.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["As <em>required</em> by section FCRA <em>XXXX</em> ( <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em> ) a copy of <em>which</em> is enclosed <em>which</em> states that this information must be removed within <em>XXXX</em> business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. \n\nPlease investigate these matters and remove the disputed items as soon as possible. \n\n<em>XXXX</em>. The following personal information is incorrect Account Number : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>- This name belongs to someone else."]},"sort":[15.317985,"6560220"]},{"_index":"complaint-public-v1","_id":"14806888","_score":15.279528,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file.\n\nPursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( s ) listed below, and a comprehensive review of your reporting under Metro 2 compliance guidelines, including all data fields and condition codes.\n\nMidland Credit Management account because the original creditor information and charge-off details are inaccurate. The last activity date differs across bureaus, and the reporting does not align with FCRA standards. Please provide validation or remove the account if it can not be verified. \n\nAccount Name/Number : XXXX XXXX  XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2021 Nature of Dispute : Nature of Dispute : This account is reflected as a collection tradeline on XXXX  yet it is completely absent from XXXX  and XXXX.\n\nSuch inconsistency creates data integrity issues, violating FCRA 607 ( b ) which requires furnishers to provide complete and accurate information.\n\nMetro 2 compliance standards mandate uniformity across all CRAs to ensure parity in consumer data reporting.\n\nIf a collection is valid and verifiable, it must be reported equally across all CRAs, or else it misrepresents the consumer 's financial history.\n\nPartial or selective reporting may also constitute unfair or deceptive practice under Dodd-Frank Act 1036, particularly if it results in disparate impact on the consumers creditworthiness.\n\nThe account is missing from XXXX  and XXXX  : Suggests selective or incomplete furnishing Violation of FCRA 602, DoddFrank Act ( UDAAP provisions ), and equal data furnishing standards This may indicate either : The debt is unverifiable and thus omitted by other CRAs. \nThe data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA 623 ( a ) ( 1 ) ( A ).","date_sent_to_company":"2025-07-22T17:01:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70458","tags":null,"has_narrative":true,"complaint_id":"14806888","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-07-22T16:56:39.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Account Name/Number : <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  ) <em>XXXX</em> Date Opened : <em>XX/XX</em>/2021 Nature of Dispute : Nature of Dispute : This account is reflected as a collection tradeline on <em>XXXX</em>  yet it is completely absent from <em>XXXX</em>  and <em>XXXX</em>.\n\nSuch inconsistency creates <em>data</em> integrity issues, violating FCRA 607 ( b ) <em>which</em> <em>requires</em> <em>furnishers</em> to provide complete and accurate information.\n\nMetro 2 <em>compliance</em> standards mandate uniformity across all CRAs to ensure parity in consumer <em>data</em> reporting."]},"sort":[15.279528,"14806888"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":10753,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":10753}]}},"product":{"doc_count":10753,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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