{"took":293,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3215,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15125354","_score":23.473833,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Compliance Dispute Request for Investigation of Late Payments To Whom It May Concern, I am writing to formally dispute the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an immediate","date_sent_to_company":"2025-08-06T14:19:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33064","tags":null,"has_narrative":true,"complaint_id":"15125354","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-06T14:19:28.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>Compliance</em> Dispute Request for Investigation of Late Payments To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an <em>immediate</em>"]},"sort":[23.473833,"15125354"]},{"_index":"complaint-public-v1","_id":"15125353","_score":23.473833,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Compliance Dispute Request for Investigation of Late Payments To Whom It May Concern, I am writing to formally dispute the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an immediate","date_sent_to_company":"2025-08-06T14:19:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33064","tags":null,"has_narrative":true,"complaint_id":"15125353","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-06T14:19:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>Compliance</em> Dispute Request for Investigation of Late Payments To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an <em>immediate</em>"]},"sort":[23.473833,"15125353"]},{"_index":"complaint-public-v1","_id":"15125338","_score":23.461046,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Compliance Dispute Request for Investigation of Late Payments To Whom It May Concern, I am writing to formally dispute the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an immediate","date_sent_to_company":"2025-08-06T14:19:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33064","tags":null,"has_narrative":true,"complaint_id":"15125338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kikoff Inc.","date_received":"2025-08-06T14:12:04.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>Compliance</em> Dispute Request for Investigation of Late Payments To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an <em>immediate</em>"]},"sort":[23.461046,"15125338"]},{"_index":"complaint-public-v1","_id":"10894181","_score":22.783909,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 COMPLIANCE STANDARDS.","date_sent_to_company":"2024-11-23T00:34:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35022","tags":null,"has_narrative":true,"complaint_id":"10894181","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-23T00:34:13.000Z","state":"AL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To <em>whom</em> it may <em>concern</em>, under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am <em>writing</em> to <em>formally</em> demand the <em>immediate</em> deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 <em>COMPLIANCE</em> STANDARDS."]},"sort":[22.783909,"10894181"]},{"_index":"complaint-public-v1","_id":"10894375","_score":22.783535,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.","date_sent_to_company":"2024-11-23T00:34:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35022","tags":null,"has_narrative":true,"complaint_id":"10894375","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-23T00:07:40.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To <em>whom</em> it may <em>concern</em>, under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists.I am <em>writing</em> to <em>formally</em> demand the <em>immediate</em> deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX <em>COMPLIANCE</em> STANDARDS."]},"sort":[22.783535,"10894375"]},{"_index":"complaint-public-v1","_id":"10893658","_score":22.755201,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 COMPLIANCE STANDARDS.","date_sent_to_company":"2024-11-23T00:34:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35022","tags":null,"has_narrative":true,"complaint_id":"10893658","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-23T00:34:13.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To <em>whom</em> it may <em>concern</em>, under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am <em>writing</em> to <em>formally</em> demand the <em>immediate</em> deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 <em>COMPLIANCE</em> STANDARDS."]},"sort":[22.755201,"10893658"]},{"_index":"complaint-public-v1","_id":"11747417","_score":19.934177,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX  Dispute Regarding Civil Liability for Negligence and Non-Compliance To Whom It May Concern : I am writing to formally dispute the negligence and non-compliance I experienced in relation to a dispute that wasnt correctly fix on one of my accountsAccount name XXXX XXXX XXXXXXXX XXXX Lease Date opened XX/XX/XXXX, inaccurately reported my credit history with XXXX XXXX also didnt resolve the issues which occurred XXXX  Date Generated XX/XX/XXXX, two other dates where I filed a dispute but nothing happen XX/XX/XXXX and XX/XX/XXXX The actions or inactions by your company have resulted in significant inconvenience and potential damages, and I am requesting immediate resolution of this matter.","date_sent_to_company":"2025-01-25T16:44:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"304XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11747417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-25T16:14:16.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX  Dispute Regarding Civil Liability for Negligence and Non-<em>Compliance</em> To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to <em>formally</em> dispute the negligence and non-<em>compliance</em> I experienced in relation to a dispute that wasnt correctly fix on one of my accountsAccount name XXXX XXXX XXXXXXXX XXXX Lease Date opened XX/XX/XXXX, inaccurately reported my credit history with XXXX XXXX also didnt resolve the issues which"]},"sort":[19.934177,"11747417"]},{"_index":"complaint-public-v1","_id":"12257037","_score":19.919838,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, I am writing to formally file a complaint concerning unauthorized transactions on my TD Bank account. I discovered that my account had been compromised by fraudulent activity resulting in significant financial loss. I promptly reported the matter to TD Bank, filed a police report, and provided all necessary documentation to substantiate my claim. \n\nDespite my immediate action and compliance with all required procedures, TD Bank has not taken sufficient measures to resolve the issue or reverse the fraudulent charges. This inaction has not only caused considerable financial distress but also raised serious concerns regarding their fraud prevention and resolution protocols. \n\nI respectfully request that the CFPB investigate this matter to ensure that TD Bank re-examines my claim, reverses the unauthorized charges, and improves its security measures to protect customers from similar incidents in the future.","date_sent_to_company":"2025-02-28T12:58:13.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"06457","tags":null,"has_narrative":true,"complaint_id":"12257037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-02-28T12:54:38.000Z","state":"CT","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> file a complaint concerning unauthorized transactions on my TD Bank account. I discovered that my account had been compromised by fraudulent activity resulting in significant financial loss. I promptly reported the matter to TD Bank, filed a police report, and provided all necessary documentation to substantiate my claim."]},"sort":[19.919838,"12257037"]},{"_index":"complaint-public-v1","_id":"11732030","_score":19.919312,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX, CA XXXX Dispute Regarding Civil Liability for Negligence and Non-Compliance To Whom It May Concern : I am writing to formally dispute the negligence and non-compliance I experienced in relation to a dispute that wasnt correctly fix on one of my accountsAccount name XXXX XXXXXXXX XXXX XXXX Lease Date opened XX/XX/year>, inaccurately reported my credit history with XXXX XXXX also didnt resolve the issues which occurred XXXX Date Generated XX/XX/year>, two other dates where I filed a dispute but nothing happen XXXX XXXX and XXXX XXXX  The actions or inactions by your company have resulted in significant inconvenience and potential damages, and I am requesting immediate resolution of this matter.","date_sent_to_company":"2025-01-25T16:44:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"304XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11732030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-25T16:44:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX, CA XXXX Dispute Regarding Civil Liability for Negligence and Non-<em>Compliance</em> To <em>Whom</em> It May <em>Concern</em> : I am <em>writing</em> to <em>formally</em> dispute the negligence and non-<em>compliance</em> I experienced in relation to a dispute that wasnt correctly fix on one of my accountsAccount name XXXX XXXXXXXX XXXX XXXX Lease Date opened XX/XX/year>, inaccurately reported my credit history with XXXX XXXX also didnt resolve the issues which occurred XXXX Date Generated XX/XX/year>, two other dates where I filed a dispute"]},"sort":[19.919312,"11732030"]},{"_index":"complaint-public-v1","_id":"12525465","_score":19.849081,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent Dispute Identity Theft & XXXX  Data Breach Victim To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts appearing on my Experian credit report due to identity theft. As a documented victim of the XXXX XXXX data breach, my personal information was unlawfully exposed, leading to the unauthorized use of my identity. The fraudulent accounts listed below were opened without my consent and must be removed immediately in compliance with the Fair Credit Reporting Act ( F\n\nCRA ) 605B. I have attached the following supporting documents : -Drivers License -FTC Ide\nntity Theft Report -Proof Of Address -Data Breach Engagement # -Experian Credit Report","date_sent_to_company":"2025-03-17T23:37:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28214","tags":null,"has_narrative":true,"complaint_id":"12525465","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-17T23:22:45.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Subject : Urgent Dispute Identity Theft & XXXX  Data Breach Victim To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute and demand the <em>immediate</em> removal of fraudulent accounts appearing on my Experian credit report due to identity theft. As a documented victim of the XXXX XXXX data breach, my personal information was unlawfully exposed, leading to the unauthorized use of my identity."]},"sort":[19.849081,"12525465"]},{"_index":"complaint-public-v1","_id":"17837882","_score":19.784807,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Immediate Removal of Inaccurate Debt To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of an alleged debt that is currently being reported on my consumer credit file. \n\nDate : XX/XX/XXXX To Whom It May Concern, RE : Demand to Block Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( Identity Theft ) Creditor : World Finance Corporation Account Numbers : XXXX XXXX I am writing to formally dispute and demand the immediate blocking and deletion of fraudulent information appearing on my consumer credit file pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681c-2. \n\nI am a verified victim of identity theft. The following accounts were opened and/or reported without my knowledge, authorization, or consent and are the result of fraudulent activity : In compliance with federal law, I am enclosing the following required documentation : A copy of my valid government-issued photo identification Proof of my current address A copy of my Social Security documentation My official FTC Identity Theft Report Please be advised that under 15 U.S.C. 1681c-2, a police report is NOT required when a valid FTC Identity Theft Report is provided. Your legal duty to block and delete this fraudulent information is triggered upon receipt of this documentation.\n\nFederal law requires that you block the reporting of the identified fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this request. Any failure to comply will be considered a willful violation of the Fair Credit Reporting Act and may result in formal complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, and civil legal action. \nOnce the block is completed, I demand written confirmation that : 1 ) Both fraudulent accounts have been permanently blocked and deleted from my credit file, and 2 ) The information will not be reinserted without proper legal certification as required under the FCRA. \n\nThis matter is urgent and legally protected. I expect full compliance without delay.","date_sent_to_company":"2025-12-04T07:48:48.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"79932","tags":null,"has_narrative":true,"complaint_id":"17837882","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Acceptance Corporation","date_received":"2025-12-04T07:27:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : <em>Formal</em> Dispute and Demand for <em>Immediate</em> Removal of Inaccurate Debt To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute and demand the <em>immediate</em> removal of an alleged debt that is currently being reported on my consumer credit file."]},"sort":[19.784807,"17837882"]},{"_index":"complaint-public-v1","_id":"15477224","_score":19.333883,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Escalation Request {$100.00} Held Under Review for an extended amount of time. \n\nTo Whom It May Concern, I am writing to formally request escalation of a payment issue that has remained unresolved for over a month. On XX/XX/year>, Cash App placed a {$100.00} transaction under review, and based on my communication with customer service, the only possible trigger appears to be the use of a ban flag emoji. \n\nI have contacted support multiple times and have only received generic responses with inaccurate or false timelines, promises of follow up emails that never arrive, and no access to a compliance specialist. This lack of transparency and resolution is unacceptable. \n\nThe transaction did not involve any prohibited parties or destinations, and I believe this flagging was the result of an automated filter misinterpreting the emoji. I am requesting : A formal review of the transaction by a compliance specialist A clear explanation of the reason for the hold Immediate refund of the {$100.00} I am prepared to file a complaint with the Consumer Financial Protection Bureau if this issue is not resolved promptly. I am also documenting this experience for public awareness, as it reflects poorly on Cash Apps customer service and compliance handling. \n\nI do hope someone sees this, please escalate this matter and respond with a resolution. \n\nThank you for your time.","date_sent_to_company":"2025-08-23T19:20:27.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"30144","tags":null,"has_narrative":true,"complaint_id":"15477224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-08-23T19:00:28.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> request escalation of a payment issue that has remained unresolved for over a month. On XX/XX/year>, Cash App placed a {$100.00} transaction under review, and based on my communication with customer service, the only possible trigger appears to be the use of a ban flag emoji."]},"sort":[19.333883,"15477224"]},{"_index":"complaint-public-v1","_id":"14687010","_score":19.311033,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a trade line reported by XXXX currently listed on my Equifax credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I submitted a timely and formal request to ProCollect for debt validation.\n\nTo date, XXXX has failed to provide proper validation or verification of the alleged debt, including but not limited to a signed agreement, itemized accounting, or proof that I am legally obligated to pay the amount being reported. \n\nBecause they have not validated this debt as required by law, and because the continued reporting of this unverifiable account constitutes inaccurate and unfair credit reporting, I am requesting immediate deletion of this trade line from my Equifax report. \n\nPlease investigate this matter and remove the XXXX entry promptly to ensure compliance with federal consumer protection laws.","date_sent_to_company":"2025-07-16T15:47:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"336XX","tags":null,"has_narrative":true,"complaint_id":"14687010","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-16T15:46:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute the accuracy and validity of a trade line reported by XXXX currently listed on my Equifax credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I submitted a timely and <em>formal</em> request to ProCollect for debt validation."]},"sort":[19.311033,"14687010"]},{"_index":"complaint-public-v1","_id":"14687640","_score":19.297352,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a trade line reported by XXXX currently listed on my Equifax credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I submitted a timely and formal request to ProCollect for debt validation.\n\nTo date, XXXX has failed to provide proper validation or verification of the alleged debt, including but not limited to a signed agreement, itemized accounting, or proof that I am legally obligated to pay the amount being reported. \n\nBecause they have not validated this debt as required by law, and because the continued reporting of this unverifiable account constitutes inaccurate and unfair credit reporting, I am requesting immediate deletion of this trade line from my Equifax report. \n\nPlease investigate this matter and remove the XXXX entry promptly to ensure compliance with federal consumer protection laws.","date_sent_to_company":"2025-07-16T15:47:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"336XX","tags":null,"has_narrative":true,"complaint_id":"14687640","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-16T15:39:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute the accuracy and validity of a trade line reported by XXXX currently listed on my Equifax credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I submitted a timely and <em>formal</em> request to ProCollect for debt validation."]},"sort":[19.297352,"14687640"]},{"_index":"complaint-public-v1","_id":"12826538","_score":18.935844,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Metro 2 Dispute Immediate Deletion of Incorrect Address from Equifax Credit Report To Whom It May Concern, I am writing to formally dispute the inclusion of an inaccurate and unauthorized address on my Equifax credit report. The following address does not belong to me and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards : Fraudulent/Inaccurate Address : XXXX XXXX XXXX XXXXXXXX, MI XXXX This address is erroneous and does not reflect my true residence history. The continued reporting of this incorrect address creates serious security concerns, increases my risk of identity theft, and is a direct violation of my consumer rights under federal law.\n\nLegal Basis for Immediate Deletion Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), credit bureaus are required to investigate and remove any inaccurate or unverifiable information upon consumer request. If Equifax can not verify that I have ever resided at this address, it must be deleted immediately. \n\nAdditionally, under Metro 2 reporting guidelines, the credit bureau must maintain accurate consumer data. The presence of an incorrect address violates FCRA accuracy standards and Equifaxs own reporting policies.","date_sent_to_company":"2025-04-04T05:47:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48091","tags":null,"has_narrative":true,"complaint_id":"12826538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-04T05:42:56.000Z","state":"MI","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Metro 2 Dispute <em>Immediate</em> Deletion of Incorrect Address from Equifax Credit Report To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute the inclusion of an inaccurate and unauthorized address on my Equifax credit report."]},"sort":[18.935844,"12826538"]},{"_index":"complaint-public-v1","_id":"13587236","_score":18.902267,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Deletion of Inaccurate Account Information Under XXXX XXXX Compliance To : Whom it may concern I am writing to formally dispute the reporting of the following account under XXXX XXXX compliance standards. The information provided by Transunion & Experian is inaccurate fails to meet XXXX XXXX guidelines and accuracy requirements, and as such, I am demanding immediate removal of the account from my credit report. \n\nThe disputed account details are as follows : Creditor : XXXX  XXXX  id # XXXX Never late and paid in full before the loan de date and Affirm receipts are attached Under XXXX XXXX XXXX, credit reporting agencies must ensure that all data furnished is accurate, complete, and compliant with industry standards. I have identified discrepancies and compliance violations within the reporting of this account, which make it eligible for immediate deletion. \n\nI demand that Experian & Transunion Conduct a XXXX XXXX compliance review of this account. Remove the account entirely due to its failure to meet the required accuracy and reporting standards. Provide written confirmation of the deletion within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). \n\nIf this request is not honored, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue further legal remedies as necessary. \n\nI expect prompt action on this matter and a full resolution within the legally required time by law","date_sent_to_company":"2025-05-20T00:35:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"13587236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-20T00:14:27.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Demand for Deletion of Inaccurate Account Information Under XXXX XXXX <em>Compliance</em> To : <em>Whom</em> it may <em>concern</em> I am <em>writing</em> to <em>formally</em> dispute the reporting of the following account under XXXX XXXX <em>compliance</em> standards. The information provided by Transunion & Experian is inaccurate fails to meet XXXX XXXX guidelines and accuracy requirements, and as such, I am demanding <em>immediate</em> removal of the account from my credit report."]},"sort":[18.902267,"13587236"]},{"_index":"complaint-public-v1","_id":"13596806","_score":18.901121,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Deletion of Inaccurate Account Information Under XXXX XXXX Compliance To : Whom it may concern I am writing to formally dispute the reporting of the following account under XXXX XXXX compliance standards. The information provided by Transunion & Experian is inaccurate fails to meet XXXX XXXX guidelines and accuracy requirements, and as such, I am demanding immediate removal of the account from my credit report. \n\nThe disputed account details are as follows : Creditor : XXXX  XXXX  id # XXXX Never late and paid in full before the loan de date and Affirm receipts are attached Under XXXX XXXX XXXX, credit reporting agencies must ensure that all data furnished is accurate, complete, and compliant with industry standards. I have identified discrepancies and compliance violations within the reporting of this account, which make it eligible for immediate deletion. \n\nI demand that Experian & Transunion Conduct a XXXX XXXX compliance review of this account. Remove the account entirely due to its failure to meet the required accuracy and reporting standards. Provide written confirmation of the deletion within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). \n\nIf this request is not honored, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue further legal remedies as necessary. \n\nI expect prompt action on this matter and a full resolution within the legally required time by law","date_sent_to_company":"2025-05-20T00:35:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"13596806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-20T00:35:25.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Demand for Deletion of Inaccurate Account Information Under XXXX XXXX <em>Compliance</em> To : <em>Whom</em> it may <em>concern</em> I am <em>writing</em> to <em>formally</em> dispute the reporting of the following account under XXXX XXXX <em>compliance</em> standards. The information provided by Transunion & Experian is inaccurate fails to meet XXXX XXXX guidelines and accuracy requirements, and as such, I am demanding <em>immediate</em> removal of the account from my credit report."]},"sort":[18.901121,"13596806"]},{"_index":"complaint-public-v1","_id":"8427219","_score":18.842066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Complaint Against Portfolio Recovery Associates To Whom It May Concern, I am writing to lodge a formal complaint against Portfolio Recovery Associates regarding inaccurate information present on my credit report. After thorough review, I have discovered a debt collection entry from Portfolio Recovery that does not pertain to any financial obligation of mine.\n\nIt is evident that Portfolio Recovery Associates has violated the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e, which mandates compliance procedures to ensure the accuracy of consumer reports. This erroneous reporting has adversely impacted my credit standing, thereby necessitating immediate action.\n\nFurthermore, it has come to my attention that Portfolio Recovery Associates may have procured my consumer report for resale purposes without fulfilling the requisite disclosure obligations outlined in 15 U.S. Code 1681b. This practice raises concerns regarding the integrity of their operations and underscores the urgency of this complaint. \n\nI am hereby requesting a thorough investigation into this matter to rectify the inaccuracies on my credit report and to ensure compliance with all relevant laws and regulations. It is imperative that Portfolio Recovery Associates be held accountable for their actions and that appropriate measures are taken to restore the integrity of my credit profile. \n\nPlease acknowledge receipt of this complaint and provide updates regarding the investigation process. I appreciate your attention to this matter and trust that it will be handled with the utmost authenticity and diligence. \n\nThank you for your prompt assistance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-27T09:22:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"387XX","tags":null,"has_narrative":true,"complaint_id":"8427219","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2024-02-27T08:54:43.000Z","state":"MS","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Re : <em>Formal</em> Complaint Against Portfolio Recovery Associates To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to lodge a <em>formal</em> complaint against Portfolio Recovery Associates regarding inaccurate information present on my credit report. After thorough review, I have discovered a debt collection entry from Portfolio Recovery that does not pertain to any financial obligation of mine.\n\nIt is evident that Portfolio Recovery Associates has violated the Fair Credit Reporting Act, specifically 15 U.S."]},"sort":[18.842066,"8427219"]},{"_index":"complaint-public-v1","_id":"12473770","_score":18.840425,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the unauthorized access and deletion of my federal student loan data, as reported in the XXXX XXXX article titled \" XXXX  and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.\n\nAs a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. \n\nI am formally requesting the following actions : Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.\n\nFull Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.\n\nRestoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.\n\nFuture Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.\n\nDebt Cancellation As these violations have jeopardized my financial stability, I request full cancellation of my outstanding student debt as appropriate restitution.\n\nI expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Education 's Family Policy Compliance Office ( FPCO ) and explore legal remedies. \n\nPlease contact me at [ your phone number ] or [ your email address ] with updates. I trust that you will handle this matter with the urgency it demands. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-13T21:14:00.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"78626","tags":null,"has_narrative":true,"complaint_id":"12473770","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-03-13T20:53:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute the unauthorized access and deletion of my federal student loan data, as reported in the XXXX XXXX article titled \" XXXX  and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming <em>concerns</em> regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records."]},"sort":[18.840425,"12473770"]},{"_index":"complaint-public-v1","_id":"12638809","_score":18.80602,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Civil Liability for Negligence Request for Removal To Whom It May Concern, I am writing to formally dispute the reported amount paid under [ account/reference number ] on my credit report. Pursuant to 15 U.S. Code 1681o ( civil liability for negligence ), I believe Experian has failed to uphold its duty of accuracy and compliance, resulting in financial harm.\n\nThe disputed information is incorrect due to negligence and non-compliance with federal reporting standards. Given the errors in reporting and failure to meet compliance requirements, I request the immediate removal or dismissal of this disputed amount from my credit report. \nXXXXXXXX XXXX  {$1100.00} XXXXXXXX XXXX {$900.00} XXXX Funding {$670.00} Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct inaccurate information within 30 days. Please provide written confirmation of this disputes resolution at your earliest convenience.\n\nFailure to take corrective action may result in further legal remedies. I appreciate your prompt attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-23T00:19:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"12638809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-22T23:48:27.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Dispute of Civil Liability for Negligence Request for Removal To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute the reported amount paid under [ account/reference number ] on my credit report. Pursuant to 15 U.S. Code 1681o ( civil liability for negligence ), I believe Experian has failed to uphold its duty of accuracy and <em>compliance</em>, resulting in financial harm.\n\nThe disputed information is incorrect due to negligence and non-<em>compliance</em> with federal reporting standards."]},"sort":[18.80602,"12638809"]},{"_index":"complaint-public-v1","_id":"7571686","_score":18.622978,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing this to file a formal complaint against the company named Lexis Nexis regarding the unauthorized disclosure and distribution of my personal information without my consent. I request your immediate attention and swift action to rectify this matter. On XX/XX/2023 Lexis Nexis shared my information with XXXX XXXX XXXX XXXX  when I did NOT sign any form of documentation to release my information with anybody. So what I want CFPB to do about this is First conduct a thorough investigation into the unauthorized disclosure of my information Secondly, I want y'all to ensure that Lexis Nexis takes immediate steps to cease the distribution of my personal information third, advise me what I need to do in order to protect identity and mitigate any potential harm resulting from this unauthorized disclosure. Lastly, I want a full report of this investigation 's findings, including actions taken against Lexis Nexis and their compliance with relevant consumer protection laws and regulations Thank you XXXX XXXX","date_sent_to_company":"2023-09-20T02:43:33.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"7571686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-09-20T02:06:50.000Z","state":"TX","company_public_response":null,"sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> this to file a <em>formal</em> complaint against the company named Lexis Nexis regarding the unauthorized disclosure and distribution of my personal information without my consent. I request your <em>immediate</em> attention and swift action to rectify this matter. On XX/XX/2023 Lexis Nexis shared my information with XXXX XXXX XXXX XXXX  when I did NOT sign any form of documentation to release my information with anybody."]},"sort":[18.622978,"7571686"]},{"_index":"complaint-public-v1","_id":"13244386","_score":18.4793,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This letter is a formal notice to dispute inaccurate and unverifiable information currently reported on my credit file with your bureau, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b ). \nThe following collection account ( XXXX ) are reporting incorrect information and are in direct violation of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are legally obligated to complete a thorough investigation within 30 days of receiving this notice and to remove or delete any unverifiable or inaccurate information. If you can not prove the accuracy of this account with original signed documentation, I demand the immediate deletion of the account from my file, as required by FCRA 611 ( a ) ( 5 ) ( A ). \nI request that the results of this dispute be sent to me in writing. This is my first formal dispute, and I expect full compliance with federal law. \nPlease mail the updated credit report reflecting the changes. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-29T22:12:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33068","tags":null,"has_narrative":true,"complaint_id":"13244386","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-29T22:11:59.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, This letter is a <em>formal</em> notice to dispute inaccurate and unverifiable information currently reported on my credit file with your bureau, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b )."]},"sort":[18.4793,"13244386"]},{"_index":"complaint-public-v1","_id":"13247190","_score":18.475384,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This letter is a formal notice to dispute inaccurate and unverifiable information currently reported on my credit file with your bureau, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b ). \nThe following collection account ( XXXX ) are reporting incorrect information and are in direct violation of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are legally obligated to complete a thorough investigation within 30 days of receiving this notice and to remove or delete any unverifiable or inaccurate information. If you can not prove the accuracy of this account with original signed documentation, I demand the immediate deletion of the account from my file, as required by FCRA 611 ( a ) ( 5 ) ( A ). \nI request that the results of this dispute be sent to me in writing. This is my first formal dispute, and I expect full compliance with federal law. \nPlease mail the updated credit report reflecting the changes. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-29T22:12:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33068","tags":null,"has_narrative":true,"complaint_id":"13247190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-29T22:11:59.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, This letter is a <em>formal</em> notice to dispute inaccurate and unverifiable information currently reported on my credit file with your bureau, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b )."]},"sort":[18.475384,"13247190"]},{"_index":"complaint-public-v1","_id":"13236117","_score":18.469637,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This letter is a formal notice to dispute inaccurate and unverifiable information currently reported on my credit file with your bureau, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b ). \nThe following collection account ( XXXX ) are reporting incorrect information and are in direct violation of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are legally obligated to complete a thorough investigation within 30 days of receiving this notice and to remove or delete any unverifiable or inaccurate information. If you can not prove the accuracy of this account with original signed documentation, I demand the immediate deletion of the account from my file, as required by FCRA 611 ( a ) ( 5 ) ( A ). \nI request that the results of this dispute be sent to me in writing. This is my first formal dispute, and I expect full compliance with federal law. \nPlease mail the updated credit report reflecting the changes. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-29T22:12:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33068","tags":null,"has_narrative":true,"complaint_id":"13236117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-29T21:52:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To <em>Whom</em> It May <em>Concern</em>, This letter is a <em>formal</em> notice to dispute inaccurate and unverifiable information currently reported on my credit file with your bureau, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b )."]},"sort":[18.469637,"13236117"]},{"_index":"complaint-public-v1","_id":"13100202","_score":18.45858,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX Date : XX/XX/year> To : Experian XXXX  XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Unauthorized Disclosure of Personal Information & Violation of Rights To Whom It May Concern, I am writing to formally dispute and express my serious concern regarding Experians handling of my personal information, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and possibly other applicable laws. \nIt has come to my attention that Experian has shared or disclosed my personal and/or credit-related information without my consent or lawful justification. This constitutes a breach of my privacy rights and raises significant concerns regarding the protection of my sensitive personal data. \nUnder the FCRA, you are legally obligated to ensure the accuracy, confidentiality, and authorized use of consumer information. Any sharing or distribution of my information without a permissible purpose or explicit consent is a clear violation of these obligations. I demand : A full investigation into the unauthorized sharing of my information. \n\n\nImmediate cessation of any further unauthorized disclosure. \n\n\nA detailed explanation of what information was shared, with whom, when, and under what justification. \n\n\nImmediate removal of any information that was wrongfully shared or accessed. \n\n\nDocumentation proving compliance with applicable laws in handling and protecting my information. \n\n\nPlease consider this letter a formal dispute and request for investigation under the FCRA. I expect a written response within 30 days of receipt, as required by law. If I do not receive a satisfactory response, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for damages resulting from this breach of my rights. \nPlease send all correspondence to the address listed above. I request that you do not share or disclose any more of my personal information unless legally required and with full transparency. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-21T22:41:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36303","tags":null,"has_narrative":true,"complaint_id":"13100202","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-21T22:38:04.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX Date : XX/XX/year> To : Experian XXXX  XXXX XXXX XXXX, TX XXXX Subject : <em>Formal</em> Complaint Unauthorized Disclosure of Personal Information & Violation of Rights To <em>Whom</em> It May <em>Concern</em>, I am <em>writing</em> to <em>formally</em> dispute and express my serious <em>concern</em> regarding Experians handling of my personal information, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and possibly other applicable laws."]},"sort":[18.45858,"13100202"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3215,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3215}]}},"product":{"doc_count":3215,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2689,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2663},{"key":"Other personal consumer report","doc_count":26}]}},{"key":"Debt collection","doc_count":353,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":171},{"key":"Credit card debt","doc_count":77},{"key":"Other debt","doc_count":26},{"key":"Auto debt","doc_count":20},{"key":"Telecommunications debt","doc_count":20},{"key":"Rental debt","doc_count":18},{"key":"Medical debt","doc_count":12},{"key":"Private student loan debt","doc_count":3},{"key":"Federal student loan debt","doc_count":2},{"key":"Mortgage debt","doc_count":2},{"key":"Payday loan debt","doc_count":2}]}},{"key":"Student loan","doc_count":32,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":29},{"key":"Private student loan","doc_count":3}]}},{"key":"Vehicle loan or lease","doc_count":28,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":25},{"key":"Lease","doc_count":3}]}},{"key":"Credit card","doc_count":27,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":25},{"key":"Store credit card","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":23,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":23}]}},{"key":"Checking or savings account","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":17},{"key":"Other banking product or service","doc_count":3},{"key":"Savings 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