{"took":180,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1324,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2642799","_score":24.880346,"_source":{"product":"Debt collection","complaint_what_happened":"Portfolio Recovery Associates, LLC ( XXXX XXXX/XXXX ) is saying I owe a debt which I have no knowledge of. I requested that this company send me a validation with my signature on documents and they failed to do so. I have disputed this debt : therefore, until validated with documents bearing my signature your information concerning this debt is inaccurate. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. Please do n't respond to my request by saying that this account have been verified. Send me copies of the documentation in your file bearing my signature to verify the accuracy of this disputed account. If you do not have any documentation in your file bearing my signature in your file to verify the accuracy of this disputed account then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.","date_sent_to_company":"2017-08-09T00:16:55.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"705XX","tags":null,"has_narrative":true,"complaint_id":"2642799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2017-08-08T23:44:12.000Z","state":"LA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Portfolio Recovery <em>Associates</em>, LLC ( XXXX XXXX/XXXX ) is saying I owe a <em>debt</em> which I have no knowledge of. I requested that this company send me a validation with my signature on documents and they failed to do so. I have disputed this <em>debt</em> : therefore, until validated with documents <em>bearing</em> my signature your <em>information</em> concerning this <em>debt</em> is inaccurate. Please validate this <em>information</em> and provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with this account <em>bearing</em> my signature."],"product":["<em>Debt</em> collection"],"company":["Portfolio Recovery <em>Associates</em>, LLC"],"sub_product":["<em>Credit</em> card <em>debt</em>"]},"sort":[24.880346,"2642799"]},{"_index":"complaint-public-v1","_id":"3892563","_score":24.636244,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020 and on XX/XX/2020 I sent Experian XXXX. XXXX  XXXX XXXX TX XXXX letters challenging the accuracy, compliance and reportability of a debt that they have been reporting I asked Experian to provide me with copies of any documentation associated with the account bearing my signature and in the absence of any such documentation bearing my signature, I requested that the information be immediately deleted from my credit file I have got no such documentation bearing my signature and they continue to report this without evidence","date_sent_to_company":"2020-10-11T21:29:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"299XX","tags":null,"has_narrative":true,"complaint_id":"3892563","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-10-11T21:00:48.000Z","state":"SC","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":["XXXX  XXXX XXXX TX XXXX letters challenging the accuracy, compliance and reportability of a <em>debt</em> that they have been reporting I asked Experian to provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with the account <em>bearing</em> my signature and in the absence of any such <em>documentation</em> <em>bearing</em> my signature, I requested that the <em>information</em> be immediately deleted from my <em>credit</em> file I have got no such <em>documentation</em> <em>bearing</em> my signature and they continue to report this without evidence"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[24.636244,"3892563"]},{"_index":"complaint-public-v1","_id":"3892585","_score":24.410461,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2020 I sent equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX a letter challenging the accuracy, compliance and reportabilty of a debt they claim I owe to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested copies of any documentation associated with the account bearing my signature and in the absence of any such documentation bearing my signature I requested the information be immediately deleted i have yet to receive any documentation bearing my signature and they continue to report this on my credit report without any evidence","date_sent_to_company":"2020-10-11T22:23:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"299XX","tags":null,"has_narrative":true,"complaint_id":"3892585","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-10-11T22:07:07.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX  XXXX XXXX, GA XXXX a letter challenging the accuracy, compliance and reportabilty of a <em>debt</em> they claim I owe to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested <em>copies</em> of any <em>documentation</em> <em>associated</em> with the account <em>bearing</em> my signature and in the absence of any such <em>documentation</em> <em>bearing</em> my signature I requested the <em>information</em> be immediately deleted i have yet to receive any <em>documentation</em> <em>bearing</em> my signature and they continue to report this on my <em>credit</em> report without any evidence"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[24.410461,"3892585"]},{"_index":"complaint-public-v1","_id":"3077733","_score":23.229513,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX {$540.00} I challenge the accuracy, compliance and reportability of this listing. \nThere is no contract, no valid claim ... account was settled ... I want it removed. \nPlease validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. \nYou can not collect a debt twice, and XXXX XXXX stated that this is inaccurate, and your records are faulty or needs updated.","date_sent_to_company":"2018-12-06T15:24:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"304XX","tags":null,"has_narrative":true,"complaint_id":"3077733","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2018-11-19T00:07:13.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please validate this <em>information</em> with and provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with this account, <em>bearing</em> my signature. In the absence of any such <em>documentation</em> <em>bearing</em> my signature, I formally request that this <em>information</em> be immediately deleted from the <em>credit</em> file you maintain under my Social Security number. \nYou can not collect a <em>debt</em> twice, and XXXX XXXX stated that this is inaccurate, and your records are faulty or needs updated."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[23.229513,"3077733"]},{"_index":"complaint-public-v1","_id":"3077549","_score":23.229513,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX {$95.00}, XXXX XXXX XXXX {$380.00} I challenge the accuracy, compliance and reportability of this listing. \nThere are no contracts, no valid claims ... accounts were settled ... I want it removed. \nPlease validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. \nYou can not collect debts twice.","date_sent_to_company":"2018-11-19T00:05:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"314XX","tags":null,"has_narrative":true,"complaint_id":"3077549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-11-18T23:58:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please validate this <em>information</em> with XXXX XXXX and provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with this account, <em>bearing</em> my signature. In the absence of any such <em>documentation</em> <em>bearing</em> my signature, I formally request that this <em>information</em> be immediately deleted from the <em>credit</em> file you maintain under my Social Security number. \nYou can not collect <em>debts</em> twice."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[23.229513,"3077549"]},{"_index":"complaint-public-v1","_id":"17761068","_score":22.813087,"_source":{"product":"Debt collection","complaint_what_happened":"I have recently been informed that there is negative information reported by XXXX  and Midland Credit Management XXXX in the file you maintain my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing an alleged debt of {$4700.00}. \n\nI challenge the accuracy, compliance and reportability of this listing. \nPlease validate this information : XXXX  and Midland Credit Management XXXX and XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX, TX XXXX, provide me with copies of any documentation associated with this account, bearing my signature. \n\nIn the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.","date_sent_to_company":"2025-12-05T01:36:33.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"77469","tags":null,"has_narrative":true,"complaint_id":"17761068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-12-05T01:25:10.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Please validate this <em>information</em> : XXXX  and Midland <em>Credit</em> Management XXXX and XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX, TX XXXX, provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with this account, <em>bearing</em> my signature. \n\nIn the absence of any such <em>documentation</em> <em>bearing</em> my signature, I formally request that this <em>information</em> be immediately deleted from the <em>credit</em> file you maintain under my Social Security number."],"product":["<em>Debt</em> collection"],"sub_product":["<em>Credit</em> card <em>debt</em>"],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[22.813087,"17761068"]},{"_index":"complaint-public-v1","_id":"17761167","_score":22.715137,"_source":{"product":"Debt collection","complaint_what_happened":"I have recently been informed that there is negative information reported by Synchrony and XXXX XXXX XXXX XXXX in the file you maintain my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing an alleged debt of {$4700.00}. \n\nI challenge the accuracy, compliance and reportability of this listing. \nPlease validate this information : Synchrony and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX, provide me with copies of any documentation associated with this account, bearing my signature. \n\nIn the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.","date_sent_to_company":"2025-12-05T01:36:36.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"77469","tags":null,"has_narrative":true,"complaint_id":"17761167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-12-05T01:36:12.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Please validate this <em>information</em> : Synchrony and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX, provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with this account, <em>bearing</em> my signature. \n\nIn the absence of any such <em>documentation</em> <em>bearing</em> my signature, I formally request that this <em>information</em> be immediately deleted from the <em>credit</em> file you maintain under my Social Security number."],"product":["<em>Debt</em> collection"],"sub_product":["<em>Credit</em> card <em>debt</em>"],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[22.715137,"17761167"]},{"_index":"complaint-public-v1","_id":"9817957","_score":22.366264,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested a dispute the debt listed on my credit report under the account XXXX XXXX as provided by XXXX. The request served as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c.\n\nI requested the following documentation and information : Full Payment History : I request a detailed record of the payment history associated with this account, including all payments made, amounts, and dates.\n\nOriginal Contract Agreement : Please provide a copy of the original contract agreement bearing my signature that demonstrates my agreement to this debt with the creditor.\n\nInsurance Claim : Indicate whether there is any insurance claim associated with this debt. If there is, please provide the details and documentation supporting the claim.\n\nChain of Title : Provide documentation that establishes the chain of title for this debt, demonstrating that the agencys had legal right to collect on this debt.","date_sent_to_company":"2024-08-10T22:53:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"9817957","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-10T22:53:33.000Z","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":["Original Contract Agreement : Please provide a <em>copy</em> of the original contract agreement <em>bearing</em> my signature that demonstrates my agreement to this <em>debt</em> with the creditor.\n\nInsurance Claim : Indicate whether there is any insurance claim <em>associated</em> with this <em>debt</em>. If there is, please provide the details and <em>documentation</em> supporting the claim."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[22.366264,"9817957"]},{"_index":"complaint-public-v1","_id":"9887603","_score":22.355764,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested a dispute the debt listed on my credit report under the account XXXX XXXX as provided by XXXX. The request served as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c.\n\nI requested the following documentation and information : Full Payment History : I request a detailed record of the payment history associated with this account, including all payments made, amounts, and dates.\n\nOriginal Contract Agreement : Please provide a copy of the original contract agreement bearing my signature that demonstrates my agreement to this debt with the creditor. \n\nInsurance Claim : Indicate whether there is any insurance claim associated with this debt. If there is, please provide the details and documentation supporting the claim.\n\nChain of Title : Provide documentation that establishes the chain of title for this debt, demonstrating that the agencys had legal right to collect on this debt.","date_sent_to_company":"2024-08-10T22:53:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"9887603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-10T22:34:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Original Contract Agreement : Please provide a <em>copy</em> of the original contract agreement <em>bearing</em> my signature that demonstrates my agreement to this <em>debt</em> with the creditor. \n\nInsurance Claim : Indicate whether there is any insurance claim <em>associated</em> with this <em>debt</em>. If there is, please provide the details and <em>documentation</em> supporting the claim."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[22.355764,"9887603"]},{"_index":"complaint-public-v1","_id":"2848523","_score":22.193172,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I sent a dispute letter to CITI regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to CITI stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from CITI stating that the account was \" Valid '', but I never received any validation with any documentation associated with this account bearing my signature. On XX/XX/XXXX I sent another dispute letter to CITI stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for CITI to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they \" verified '' without providing any proof, bearing my signature. On XX/XX/XXXX I received a letter back from CITI stating that the account was \" Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.","date_sent_to_company":"2018-03-20T18:36:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"80132","tags":null,"has_narrative":true,"complaint_id":"2848523","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-03-20T18:15:08.000Z","state":"CO","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":["On XX/XX/XXXX I sent a dispute letter to CITI regarding an account on my <em>credit</em> report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the <em>information</em>, and to provide me with any <em>documentation</em> <em>associated</em> with this account, <em>bearing</em> my signature, showing that I have ( or ever had ) some contractual obligation to pay them."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[22.193172,"2848523"]},{"_index":"complaint-public-v1","_id":"2848464","_score":22.193172,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXXI sent a dispute letter to XXXX regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to XXXX  stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from XXXX  stating that the account was \" Valid '', but I never received any validation with any documentation associated with this account bearing my signature. OnXX/XX/XXXX I sent another dispute letter to XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX   to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they \" verified '' without providing any proof, bearing my signature. OnXX/XX/XXXX I received a letter back from XXXX   stating that the account was \" Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.","date_sent_to_company":"2018-03-20T18:37:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"80132","tags":"Servicemember","has_narrative":true,"complaint_id":"2848464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-20T18:37:03.000Z","state":"CO","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":["On XX/XX/XXXXI sent a dispute letter to XXXX regarding an account on my <em>credit</em> report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the <em>information</em>, and to provide me with any <em>documentation</em> <em>associated</em> with this account, <em>bearing</em> my signature, showing that I have ( or ever had ) some contractual obligation to pay them."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[22.193172,"2848464"]},{"_index":"complaint-public-v1","_id":"2848466","_score":22.16439,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I sent a dispute letter to XXXX  regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXXI followed up with another dispute letter to XXXX  stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXXI received a letter back from XXXX stating that the account was \" Valid '', but I never received any validation with any documentation associated with this account bearing my signature. On XX/XX/XXXX I sent another dispute letter to XXXX  stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX   to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they \" verified '' without providing any proof, bearing my signature. On XX/XX/XXXX I received a letter back from XXXX   stating that the account was \" Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.","date_sent_to_company":"2018-03-20T18:37:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"80132","tags":"Servicemember","has_narrative":true,"complaint_id":"2848466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-03-20T18:37:03.000Z","state":"CO","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":["On XX/XX/XXXX I sent a dispute letter to XXXX  regarding an account on my <em>credit</em> report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the <em>information</em>, and to provide me with any <em>documentation</em> <em>associated</em> with this account, <em>bearing</em> my signature, showing that I have ( or ever had ) some contractual obligation to pay them."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[22.16439,"2848466"]},{"_index":"complaint-public-v1","_id":"7133778","_score":22.15742,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Dispute of Collection Account on Credit Report Dear Sir/Madam , I am writing to dispute the presence of a collection account on my credit report under my Social Security number , which is attributed to LVNV Funding LLC . According to my credit report, this collection account is negatively impacting my credit profile. \n\nI have previously requested copies of any documentation associated with this account bearing my signature. However, LVNV Funding LLC has refused to provide me with the requested documentation. In the absence of any such documentation bearing my signature, I am formally requesting that you immediately delete this information from the credit file maintained under my Social Security number. \n\nI want to emphasize that as a consumer, I have the right to request and receive verification of any debt that is being reported against me. It is imperative that LVNV Funding LLC provides the necessary documentation to validate this debt and substantiate its accuracy. \n\nI kindly request that you initiate a thorough investigation into the validity and accuracy of this collection account. During your investigation, I expect that you will provide me with copies of any documentation that supports the existence of this debt, including documents bearing my signature. \n\nThe letter they sent me is showing another collection agency called Resurgent Capital Services, and I received an email from XXXX, which one is the correct collection agency. \n\nThank you for your cooperation.","date_sent_to_company":"2023-06-18T21:40:54.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"21221","tags":null,"has_narrative":true,"complaint_id":"7133778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-06-18T21:28:33.000Z","state":"MD","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Subject : Dispute of Collection Account on <em>Credit</em> Report Dear Sir/Madam , I am writing to dispute the presence of a collection account on my <em>credit</em> report under my Social Security number , which is attributed to LVNV Funding LLC . According to my <em>credit</em> report, this collection account is negatively impacting my <em>credit</em> profile. \n\nI have previously requested <em>copies</em> of any <em>documentation</em> <em>associated</em> with this account <em>bearing</em> my signature."],"product":["<em>Debt</em> collection"],"issue":["Written notification about <em>debt</em>"],"sub_product":["<em>Credit</em> card <em>debt</em>"],"sub_issue":["Didn't receive enough <em>information</em> to verify <em>debt</em>"]},"sort":[22.15742,"7133778"]},{"_index":"complaint-public-v1","_id":"2839547","_score":21.93824,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I sent dispute letters to Experian about 2 accounts on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$10000.00} on account number XXXX and {$24000.00} on account number XXXX in XX/XX/XXXX. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. \n\nI also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. \n\nOn XX/XX/XXXX and XX/XX/XXXX I received letters back from Experian stating that the accounts were \" Updated '', but I never received any validation with any documentation associated with this account bearing my signature. \n\nOn XX/XX/XXXX I sent a dispute letter to Experian about the two XXXX XXXX XXXX accounts stating that after I retained new copies of my credit reports, I noticed that they did not furnish my credit report with required disclosure under XXXX XXXX XXXX, within the period required by law. They are required by federal law to place a \" notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by placing the disclosure within the required 30-day period.\n\nOn XX/XX/XXXX I received a letter back from Experian stating that the accounts were \" Updated '', but I never received any validation with any documentation associated with this account bearing my signature.\n\nAnd again with no \" notice of dispute '' was ever placed on my account after 30 days.","date_sent_to_company":"2018-03-11T09:04:02.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80132","tags":"Servicemember","has_narrative":true,"complaint_id":"2839547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-11T02:27:43.000Z","state":"CO","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":["I also asked to validate the <em>information</em> with XXXX XXXX XXXX, and to provide me with any <em>documentation</em> <em>associated</em> with this account, <em>bearing</em> my signature. In the absence of any <em>documentation</em> <em>bearing</em> my signature, I formally requested that the <em>information</em> be immediately deleted from my <em>credit</em> file for which they maintained under my social security number."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"]},"sort":[21.93824,"2839547"]},{"_index":"complaint-public-v1","_id":"3098015","_score":21.847412,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"JH PORTFOLIO DEBT EQUITY, LLC {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.\n\nPlease be advised this is against F.C.R.A. law and is a violation of my rights..\n\nI challenge the accuracy, reportability of this listing.\n\nThere is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice","date_sent_to_company":"2018-12-12T13:55:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"313XX","tags":null,"has_narrative":true,"complaint_id":"3098015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JH Portfolio Debt Equities, LLC","date_received":"2018-12-12T13:45:48.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please validate this <em>information</em> with and provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with this account, <em>bearing</em> my signature. In the absence of any such <em>documentation</em> <em>bearing</em> my signature, I formally request that this <em>information</em> be immediately deleted from the <em>credit</em> file you maintain under my Social Security number.It is against the law to attempt to collect a <em>debt</em> twice"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"company":["JH Portfolio <em>Debt</em> Equities, LLC"],"sub_product":["<em>Credit</em> reporting"]},"sort":[21.847412,"3098015"]},{"_index":"complaint-public-v1","_id":"3340617","_score":21.827469,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed several creditors that I was not familiar that all date back to XX/XX/XXXX per my credit reports. I reached out to XXXX and Experian in regards to the following accounts : XXXX  XXXX XXXX XXXX I requested to have these debt validated citing FCRA and FDCPA as a reference in XXXX. Per USPS tracking # XXXX and # XXXX these were both delivered on XX/XX/XXXX. Specifically, I requested they validate the information and provide with copies of any documentation associated with this account, bearing my signature. This exact language was used. To date, I have received updated credit reports showing the accounts in question have been \" updated, '' but I have not received the requested proof of debt along with any documentation bearing my signature.","date_sent_to_company":"2019-08-07T17:36:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60628","tags":null,"has_narrative":true,"complaint_id":"3340617","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-08-07T17:36:07.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Specifically, I requested they validate the <em>information</em> and provide with <em>copies</em> of any <em>documentation</em> <em>associated</em> with this account, <em>bearing</em> my signature. This exact language was used. To date, I have received updated <em>credit</em> reports showing the accounts in question have been \" updated, '' but I have not received the requested proof of <em>debt</em> along with any <em>documentation</em> <em>bearing</em> my signature."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"]},"sort":[21.827469,"3340617"]},{"_index":"complaint-public-v1","_id":"3334440","_score":21.753973,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed several creditors that I was not familiar that all date back to XXXX per my credit reports. I reached out to Transunion and XXXX in regards to the following accounts : XXXX XXXX XXXX   XXXX I requested to have these debt validated citing FCRA and FDCPA as a reference in XXXX. Per USPS tracking # XXXX and # XXXX these were both delivered on XX/XX/XXXX. Specifically, I requested they validate the information and provide with copies of any documentation associated with this account, bearing my signature. This exact language was used. To date, I have received updated credit reports showing the accounts in question have been \" updated, '' but I have not received the requested proof of debt along with any documentation bearing my signature.","date_sent_to_company":"2019-08-07T17:36:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60628","tags":null,"has_narrative":true,"complaint_id":"3334440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-08-07T17:14:59.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Specifically, I requested they validate the <em>information</em> and provide with <em>copies</em> of any <em>documentation</em> <em>associated</em> with this account, <em>bearing</em> my signature. This exact language was used. To date, I have received updated <em>credit</em> reports showing the accounts in question have been \" updated, '' but I have not received the requested proof of <em>debt</em> along with any <em>documentation</em> <em>bearing</em> my signature."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[21.753973,"3334440"]},{"_index":"complaint-public-v1","_id":"21418220","_score":21.713394,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint to dispute the reporting and collection of an alleged debt by Portfolio Recovery Associates. \n\nThis company is reporting an account on my credit report ; however, they have failed to provide sufficient documentation to verify the accuracy and completeness of the information being reported. \n\nSpecifically, Portfolio Recovery Associates has not provided : A complete chain of ownership of the alleged debt from the original creditor to their company A copy of the original agreement bearing my signature A full and accurate accounting of the balance, including how the amount was calculated I am aware that debt buyers may report accounts ; however, under the Fair Credit Reporting Act, all information reported must be accurate, complete, and fully verifiable. To date, no documentation has been provided that meets this standard. \n\nAdditionally, I am concerned that this account is being reported without a reasonable investigation into its accuracy. Simply confirming the account internally does not meet the legal requirements for verification. \n\nBecause Portfolio Recovery Associates has failed to provide adequate verification, I dispute the accuracy of this account in its entirety.","date_sent_to_company":"2026-04-20T22:38:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"19114","tags":null,"has_narrative":true,"complaint_id":"21418220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2026-04-20T22:27:08.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Specifically, Portfolio Recovery <em>Associates</em> has not provided : A complete chain of ownership of the alleged <em>debt</em> from the original creditor to their company A <em>copy</em> of the original agreement <em>bearing</em> my signature A full and accurate accounting of the balance, including how the amount was calculated I am aware that <em>debt</em> buyers may report accounts ; however, under the Fair <em>Credit</em> Reporting Act, all <em>information</em> reported must be accurate, complete, and fully verifiable."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"company":["Portfolio Recovery <em>Associates</em>, LLC"],"sub_product":["<em>Credit</em> card <em>debt</em>"],"sub_issue":["<em>Debt</em> was already discharged in bankruptcy and is no longer owed"]},"sort":[21.713394,"21418220"]},{"_index":"complaint-public-v1","_id":"5622862","_score":21.419485,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. \nPlease block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. \nI challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. \n***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. \n\n\nPlease see the attached dispute letter and identification.","date_sent_to_company":"2022-06-01T11:54:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"290XX","tags":null,"has_narrative":true,"complaint_id":"5622862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-01T11:54:31.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please block this <em>information</em> from my <em>credit</em> report, pursuant to section 605B of the Fair <em>Credit</em> Reporting Act, and send the required notifications to all furnishers of this <em>information</em>. \nI challenge the accuracy, compliance and reportability of this listing please validate this <em>information</em> with all reporting companies that furnished this undue <em>debt</em> and provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with these accounts, <em>bearing</em> my original wet signature."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[21.419485,"5622862"]},{"_index":"complaint-public-v1","_id":"5622863","_score":21.40995,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. \nPlease block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. \nI challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. \n***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. \n\n\nPlease see the attached dispute letter and identification.","date_sent_to_company":"2022-06-01T11:54:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"290XX","tags":null,"has_narrative":true,"complaint_id":"5622863","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-01T11:54:31.000Z","state":"SC","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":["Please block this <em>information</em> from my <em>credit</em> report, pursuant to section 605B of the Fair <em>Credit</em> Reporting Act, and send the required notifications to all furnishers of this <em>information</em>. \nI challenge the accuracy, compliance and reportability of this listing please validate this <em>information</em> with all reporting companies that furnished this undue <em>debt</em> and provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with these accounts, <em>bearing</em> my original wet signature."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[21.40995,"5622863"]},{"_index":"complaint-public-v1","_id":"15441808","_score":21.400051,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint because Scott & Associates, P.C., acting on behalf of XXXX XXXX, XXXX, is attempting to collect an alleged debt without providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and reporting inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.\n\nI have formally disputed this debt and requested validation in writing. Specifically, I requested : A copy of the original agreement bearing my wet-ink signature.\n\nDocumentation of the chain of custody and assignment of the debt from the original creditor to XXXX XXXX. \nAn itemized statement showing how the alleged balance was calculated. \nDocumentation of Scott & Associates legal authority to collect in my state.\n\nCopies of any investigative records, audit trails, or reviews conducted to verify the debt before initiating collection activity.\n\nTo date, they have failed to provide the required validation. Instead, collection activity and reporting to credit bureaus continue. This conduct is misleading, deceptive, and in direct violation of my rights under federal law.\n\nRelief Requested : Require Scott & Associates and XXXX XXXX to provide full validation and documentation of the alleged debt or immediately cease collection activity. \nRemove any inaccurate or unverifiable reporting from all consumer credit reporting agencies. \nInvestigate whether these companies are engaging in unlawful debt collection practices, including attempting to collect debts without sufficient documentation. \nSupporting Documentation : I have attached my certified dispute letter, dated XX/XX/year>, which was sent to both Scott & Associates and XXXXXXXX XXXX XXXXXXXX.","date_sent_to_company":"2025-08-21T15:37:42.000Z","issue":"Electronic communications","sub_product":"I do not know","zip_code":"36605","tags":"Servicemember","has_narrative":true,"complaint_id":"15441808","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Law Office of Michael J. Scott, PC","date_received":"2025-08-21T15:33:12.000Z","state":"AL","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Specifically, I requested : A <em>copy</em> of the original agreement <em>bearing</em> my wet-ink signature.\n\n<em>Documentation</em> of the chain of custody and assignment of the <em>debt</em> from the original creditor to XXXX XXXX. \nAn itemized statement showing how the alleged balance was calculated. \n<em>Documentation</em> of Scott & <em>Associates</em> legal authority to collect in my state.\n\n<em>Copies</em> of any investigative records, audit trails, or reviews conducted to verify the <em>debt</em> before initiating collection activity."],"product":["<em>Debt</em> collection"]},"sort":[21.400051,"15441808"]},{"_index":"complaint-public-v1","_id":"5622860","_score":21.359331,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. \nPlease block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. \nI challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. \n***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. \n\n\nPlease see the attached dispute letter and identification.","date_sent_to_company":"2022-06-01T11:54:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"290XX","tags":null,"has_narrative":true,"complaint_id":"5622860","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-01T11:40:11.000Z","state":"SC","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":["Please block this <em>information</em> from my <em>credit</em> report, pursuant to section 605B of the Fair <em>Credit</em> Reporting Act, and send the required notifications to all furnishers of this <em>information</em>. \nI challenge the accuracy, compliance and reportability of this listing please validate this <em>information</em> with all reporting companies that furnished this undue <em>debt</em> and provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with these accounts, <em>bearing</em> my original wet signature."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[21.359331,"5622860"]},{"_index":"complaint-public-v1","_id":"3078520","_score":21.355433,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX {$590.00} Account was settled with XXXX XXXX XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. \nPlease validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. \nPlease note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. \nYou can not collect a debt twice.","date_sent_to_company":"2018-11-19T17:49:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"314XX","tags":null,"has_narrative":true,"complaint_id":"3078520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2018-11-19T17:39:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please validate this <em>information</em> and provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with these accounts, <em>bearing</em> my signature. In the absence of any such <em>documentation</em> <em>bearing</em> my signature, I formally request that this <em>information</em> be immediately deleted from the <em>credit</em> file you maintain under my Social Security number."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[21.355433,"3078520"]},{"_index":"complaint-public-v1","_id":"3078143","_score":21.355433,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX {$1900.00} Account was settled with 11 XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 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