{"took":1086,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1411,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9921137","_score":13.65123,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Improper Use of Credit Report Dear EQUIFAX, `` To Whom It May Concern '' I am writing to formally address an issue regarding the improper use of my credit report, in violation of Section 604 of the Fair Credit Reporting Act ( FCRA ). My details are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I discovered today that Equifax deleted my positive credit card XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX from my credit report. I opened this account on XX/XX/XXXX. I've had this credit card for 1 years, 3 months.the This card needs to be put back on my Equifax credit report. Equifax obtained my credit report without a permissible purpose. based on my report that was improperly accessed. This situation is concerning because it violates my rights under the FCRA. Equifax also shared my social security number and personal information with FICO Fair Isaac and Company without my written consent.\n\nI seek confirmation that you will cease any further use of my credit report without valid authorization and rectify any negative impacts this may have caused.\n\nThank you for your immediate attention to this matter. I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX they confirmed they did not delete my credit card account from my credit report CFPB PLEASE HOLD EQUIFAX ACCOUNTABLE FOR THIS ACTION BARRING ON MY CREDIT WORTHINESS","date_sent_to_company":"2024-08-25T20:30:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"9921137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-25T20:17:24.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["My details are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I discovered today that Equifax deleted my positive <em>credit</em> <em>card</em> XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX from my <em>credit</em> <em>report</em>. I opened this account on XX/XX/XXXX. I've had this <em>credit</em> <em>card</em> for 1 years, 3 months.the This <em>card</em> needs to be put back on my Equifax <em>credit</em> <em>report</em>. Equifax obtained my <em>credit</em> <em>report</em> without a permissible purpose. based on my <em>report</em> that was <em>improperly</em> accessed."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Improper</em> use of <em>your</em> <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[13.65123,"9921137"]},{"_index":"complaint-public-v1","_id":"19264630","_score":13.560965,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding improper debt collection and account mismanagement by Macys XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nThis dispute arises from Macys failure to properly close and reconcile a legacy credit card account, resulting in improper interest, late fees, and collection activity on an account that should not have remained active. \n\nBackground : - A Macys credit card account ending in XXXX was opened in XXXX and requested to be closed in XX/XX/XXXX. \n- In XX/XX/XXXX, purchases totaling {$1300.00} were made on a newly issued XXXX card ending in XXXX under a XXXX  % new-card promotion. \n- These charges were fully paid via XXXX XXXX XXXXXXXX in XXXX and XX/XX/XXXX. \n- Despite payment, Macys failed to properly close or reconcile the XXXX account. \n- No new purchases were made on the XXXX account. All subsequent balances consist entirely of interest and late fees. \n\nNevertheless, Macys treated the account as delinquent and referred it to collections. \n\nThis constitutes improper account management, failure to conduct a reasonable investigation, and improper collection activity. \n\nRequested Resolution : - Immediate withdrawal of the account from collections - Reversal of all interest and late fees - Permanent closure of the XXXX account with a XXXX balance - Correction of any inaccurate internal records and credit reporting Thank you for your assistance.","date_sent_to_company":"2026-02-05T06:30:31.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"91745","tags":null,"has_narrative":true,"complaint_id":"19264630","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-02-05T06:07:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["This constitutes <em>improper</em> account management, failure to conduct a reasonable investigation, and <em>improper</em> collection activity. \n\nRequested Resolution : - Immediate withdrawal of the account from collections - Reversal of all interest and late fees - Permanent closure of the XXXX account with a XXXX balance - Correction of any inaccurate internal records and <em>credit</em> <em>reporting</em> Thank you for <em>your</em> assistance."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Closing <em>your</em> account"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't close <em>your</em> account"]},"sort":[13.560965,"19264630"]},{"_index":"complaint-public-v1","_id":"17521209","_score":13.298382,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Subject : Written Dispute of XXXX Payment Improper Cash Advance Processing Dear Monterey Financial Services, I am submitting this letter as written confirmation of my dispute regarding the improper processing of my monthly payment. \n\nDisputed Payment : On XX/XX/year> at XXXXXX/XX/XXXX, I contacted Monterey Financial after discovering that my XXXX payment dated XX/XX/year>, in the amount of {$240.00}, was incorrectly processed as a cash advance on my credit card. I clearly stated that I did not authorize a cash advance under any circumstance. I am formally disputing the XXXX payment for this reason. \n\nCall Summary : During the call, I initially spoke with a regular representative. The representative stated : * Refused to reverse the cash advance transaction * Stated there was nothing Monterey Financial could do * Only offered to waive a {$10.00} processing fee, which does not address the financial impact of your improper merchant coding This conduct is unacceptable and constitutes improper billing, misclassification of a credit transaction, and deceptive collection practices. \n\nAction Taken : Due to your refusal to correct the issue, this transaction is now being formally disputed with my credit card company, including the cash-advance fees and misclassification. \n\nAs the company refused to correct the unauthorized transaction, I have also reported Monterey Financial to the BXX/XX/XXXX(XX/XX/XXXX) XXXX the Consumer Financial Protection Bureau ( CFPB ). \n\nI will reach out to process my XXXX payment in the amount of {$370.00} once you confirm receipt of this dispute. \n\nI have also sent a copy of this complaint via XXXX to your mailing address for your records. \n\nRequest : Please provide written confirmation that you have received this dispute.","date_sent_to_company":"2025-11-26T22:00:02.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"90501","tags":null,"has_narrative":true,"complaint_id":"17521209","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Monterey Financial Services LLC","date_received":"2025-11-26T21:43:12.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Action Taken : Due to <em>your</em> refusal to correct the issue, this transaction is now being formally disputed with my <em>credit</em> <em>card</em> company, including the cash-advance fees and misclassification. \n\nAs the company refused to correct the unauthorized transaction, I have also <em>reported</em> Monterey Financial to the BXX/XX/XXXX(XX/XX/XXXX) XXXX the Consumer Financial Protection Bureau ( CFPB ). \n\nI will reach out to process my XXXX payment in the amount of {$370.00} once you confirm receipt of this dispute."]},"sort":[13.298382,"17521209"]},{"_index":"complaint-public-v1","_id":"17954970","_score":13.254057,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute improper interest charges, late fees, and negative reporting related to my Victorias Secret credit account issued by Comenity Bank.\n\nI have repeatedly attempted to set up automatic payments for this account. My card information has been stored on your website, and on two separate occasions I instructed your collections representatives to place my card on continuous automatic payments. Despite this, Comenity Bank has failed to proc\ness payments on time. Instead, payments have only been processed after the due date, resulting in avoidable late fees, interest charges on top of interest, and negative marks on my credit report.\n\nI dispute the following : Late fees that resulted from Comenity Banks failure to process my saved payment method.\n\nAdditional interest charges caused by the late fees and improper processing delays.\n\nAny negative credit reporting related to these disputes, as these late payments were caused solely by Comenity Banks failure to follow my automatic payment instructions.","date_sent_to_company":"2025-12-04T01:08:04.000Z","issue":"Fees or interest","sub_product":"Store credit card","zip_code":"21136","tags":null,"has_narrative":true,"complaint_id":"17954970","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-12-04T00:43:37.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally dispute <em>improper</em> interest charges, late fees, and negative <em>reporting</em> related to my Victorias Secret <em>credit</em> account issued by Comenity Bank.\n\nI have repeatedly attempted to set up automatic payments for this account. My <em>card</em> information has been stored on <em>your</em> website, and on two separate occasions I instructed <em>your</em> collections representatives to place my <em>card</em> on continuous automatic payments."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[13.254057,"17954970"]},{"_index":"complaint-public-v1","_id":"3584036","_score":12.961302,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Your company check my credit without my consent to ... meaning improper use of my credit report and I have no account Cbna, XXXX XXXX, 2019 XXXX XXXX, XXXX XXXX 2019 XXXX XXXX, XXXX XXXX 2019 XXXX card, XXXX XXXX, 2019 XXXX XXXX XXXX, XX/XX/ 2019 2019","date_sent_to_company":"2020-03-28T21:08:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19148","tags":null,"has_narrative":true,"complaint_id":"3584036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-03-28T20:54:00.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["<em>Your</em> company check my <em>credit</em> without my consent to ... meaning <em>improper</em> use of my <em>credit</em> <em>report</em> and I have no account Cbna, XXXX XXXX, 2019 XXXX XXXX, XXXX XXXX 2019 XXXX XXXX, XXXX XXXX 2019 XXXX <em>card</em>, XXXX XXXX, 2019 XXXX XXXX XXXX, XX/XX/ 2019 2019"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Improper</em> use of <em>your</em> <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on <em>your</em> <em>report</em> that you don't recognize"]},"sort":[12.961302,"3584036"]},{"_index":"complaint-public-v1","_id":"9297017","_score":12.78005,"_source":{"product":"Debt collection","complaint_what_happened":"I am XXXX XXXX XXXX, my credit card company ( XXXX XXXX XXXX ) was purchashed buy a new company ( XXXX ). After the purchase my account was closed due to my credit score and my interest rate raised by the new company. I never entered into an agreement with the new company under their terms. \nIncreasing Interest Rates Without Proper Notice : If the credit card company increases interest rates without providing proper notice as outlined in the agreement, it may constitute a breach. \nImproper Account Handling : If the credit card company incorrectly reports your payment history to credit bureaus, fails to post your payments correctly, or charges you incorrect fees, these could be considered breaches of the agreement. \nMisrepresentation : If a credit card company provides false or misleading information, such as promising certain benefits or terms that are not delivered, it could be considered a breach.","date_sent_to_company":"2024-06-19T20:59:53.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"23451","tags":null,"has_narrative":true,"complaint_id":"9297017","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-19T20:29:12.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Improper</em> Account Handling : If the <em>credit</em> <em>card</em> company incorrectly <em>reports</em> <em>your</em> payment history to <em>credit</em> bureaus, fails to post <em>your</em> payments correctly, or charges you incorrect fees, these could be considered breaches of the agreement. \nMisrepresentation : If a <em>credit</em> <em>card</em> company provides false or misleading information, such as promising certain benefits or terms that are not delivered, it could be considered a breach."],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[12.78005,"9297017"]},{"_index":"complaint-public-v1","_id":"3443870","_score":12.637848,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"PayPal is sending debit cards linked to your account unsolicited. It's up to you to close the card, and they don't take you directly to a page that allows you to cancel, you have to log in and really dig in your account to find the button. I didn't think a company could send you a debit card that you didn't ask for. \n\nI received the email today, XX/XX/XXXX, cancelled the card on XX/XX/XXXX before I received it. I never activated it so I have not suffered any  damages. Just reporting because I found it improper, was not allowed to negotiate the terms of the debit card, never opted in, nothing like that. There was no warning that activating the debit card could influence my credit rating. \n\nI can upload the email announcing the \" service ''.","date_sent_to_company":"2019-12-04T13:27:24.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"803XX","tags":null,"has_narrative":true,"complaint_id":"3443870","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2019-11-20T00:06:49.000Z","state":"CO","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Just <em>reporting</em> because I found it <em>improper</em>, was not allowed to negotiate the terms of the debit <em>card</em>, never opted in, nothing like that. There was no warning that activating the debit <em>card</em> could influence my <em>credit</em> rating. \n\nI can upload the email announcing the \" service ''."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[12.637848,"3443870"]},{"_index":"complaint-public-v1","_id":"7300688","_score":12.595978,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Reporting company used your report improperly : Santander Consumer USA In accordance with 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.","date_sent_to_company":"2023-07-25T22:49:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"7300688","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2023-07-25T22:16:39.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Reporting</em> company used <em>your</em> <em>report</em> <em>improperly</em> : Santander Consumer USA In accordance with 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer <em>reporting</em> agency can not furnish a account without my written instruction. 15 USC 1666B A creditor may not treat a payment on a <em>credit</em> <em>card</em> account under an open end consumer <em>credit</em> plan as late for purpose."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Improper</em> use of <em>your</em> <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[12.595978,"7300688"]},{"_index":"complaint-public-v1","_id":"17270853","_score":12.584392,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Unfair Treatment by XXXX ( Block , Inc. ) Wrongful Termination, Unjustified XXXX  Listing, and Improper Fees I am filing a complaint against XXXX XXXX XXXX for the wrongful termination of my credit-card processing account, failure to provide a reason for termination, continued charging of fees after closing my account, and what appears to be an unauthorized or improper placement of my business into a merchant blacklist database that prevents me from obtaining new credit-card processing. \n\nXXXX terminated my merchant account without providing any explanation or written notice, which is required when a processor places a merchant into the XXXX database. After closing my account, XXXX continued to charge credit-card processing fees, even though I was no longer permitted to accept payments. These charges were unauthorized and I had to dispute them with my credit-card company. \n\nAfter XXXX terminated me without cause, I attempted to obtain credit-card processing from multiple other providers. I was informed that I had been flagged/blacklisted in a shared industry database, preventing me from obtaining merchant services. I never received the required MATCH code, explanation, or documentation from XXXX, which is a violation of XXXX rules and federal consumer-protection standards. \n\nThis has caused significant financial harm to my business. I am requesting that XXXX : XXXX. Provide the written reason for the termination of my account. \nXXXX. Provide the XXXX code they allegedly used and the date of reporting. \nXXXX. Remove me from the XXXX database if the reporting was improper or unsupported. \nXXXX. Refund all fees charged after XXXX themselves terminated my account. \nXXXX. Provide a written statement confirming my business is not prohibited from obtaining merchant services. \n\nThank you for your assistance in resolving this matter.","date_sent_to_company":"2025-11-15T18:40:52.000Z","issue":"Confusing or missing disclosures","sub_product":"Mobile or digital wallet","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"17270853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-11-15T18:27:08.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Provide the XXXX code they allegedly used and the date of <em>reporting</em>. \nXXXX. Remove me from the XXXX database if the <em>reporting</em> was <em>improper</em> or unsupported. \nXXXX. Refund all fees charged after XXXX themselves terminated my account. \nXXXX. Provide a written statement confirming my business is not prohibited from obtaining merchant services. \n\nThank you for <em>your</em> assistance in resolving this matter."]},"sort":[12.584392,"17270853"]},{"_index":"complaint-public-v1","_id":"11848769","_score":12.428218,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$540.00}. \nI previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. I want to make sure a proper re- investigation is held as I am aware that you are being sued for improper investigations. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. \n\nXXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. I want to make sure a proper re- investigation is held as I am aware that you are being sued for improper investigations. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. \n\nXXXX XXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. I want to make sure a proper re- investigation is held as I am aware that you are being sued for improper investigations. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. \n\nXXXX Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. I want to make sure a proper re- investigation is held as I am aware that you are being sued for improper investigations. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. \n\nXXXX XXXX XXXX Line Of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. I want to make sure a proper re- investigation is held as I am aware that you are being sued for improper investigations. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. \n\nXXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$12000.00}. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. I want to make sure a proper re- investigation is held as I am aware that you are being sued for improper investigations. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. \n\nXXXX Utility with account # XXXX opened on XX/XX/XXXX and a balance of {$190.00}. \nI previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. I want to make sure a proper re- investigation is held as I am aware that you are being sued for improper investigations. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. \n\nXXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''This account is incorrectly reporting that I have 3 late payments. On my XXXX report there are XXXX late payments being reported. ''. I don't agree with the results of your investigation. I want to make sure a proper re- investigation is held as I am aware that you are being sued for improper investigations. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. \n\nCollection account from NATIONAL CREDIT SYSTEM with account # XXXX and a balance of {$11000.00}. The original creditor is HIGH ACRES APTS. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I want to make sure a proper re- investigation is held as I am aware that you are being sued for improper investigations. \nPlease reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. \n\nIn light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. \n\nI personally signed and sent this letter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-30T22:06:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"132XX","tags":null,"has_narrative":true,"complaint_id":"11848769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-30T21:59:46.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I don't agree with the results of <em>your</em> investigation. I want to make sure a proper re- investigation is held as I am aware that you are being sued for <em>improper</em> investigations. Please mail me the proof of <em>your</em> investigation and proof of the negative payment status for this account, or delete the negative information in this account. \n\nXXXX XXXX <em>Credit</em> <em>Card</em> with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[12.428218,"11848769"]},{"_index":"complaint-public-v1","_id":"18142259","_score":12.359997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THIS IS A NEW COMPLAINT WITH NEW INFORMATION ABOUT XXXX XXXX THEY WANT TELL ME! \n\nDear Sir or Madam, I am filing this complaint to report what appears to be an improper and unreasonable denial of a credit card application by XXXX XXXX XXXX, as well as a failure to follow standard and fair lending procedures. \nOn or about XX/XX/year>, XXXX XXXX sent me a letter declining my application for a XXXX Credit Card. The stated reason for the denial was : Based on your application information, there is a currently pending or recently processed application with XXXX XXXX. \nHowever, no credit report was ever obtained in connection with this decision.I want a resolution! XXXX XXXX XXXX Exceptional as of XX/XX/year>","date_sent_to_company":"2025-12-18T15:25:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"756XX","tags":null,"has_narrative":true,"complaint_id":"18142259","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-18T15:24:59.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Dear Sir or Madam, I am filing this complaint to <em>report</em> what appears to be an <em>improper</em> and unreasonable denial of a <em>credit</em> <em>card</em> application by XXXX XXXX XXXX, as well as a failure to follow standard and fair lending procedures. \nOn or about XX/XX/year>, XXXX XXXX sent me a letter declining my application for a XXXX <em>Credit</em> <em>Card</em>. The stated reason for the denial was : Based on <em>your</em> application information, there is a currently pending or recently processed application with XXXX XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.359997,"18142259"]},{"_index":"complaint-public-v1","_id":"9924639","_score":12.317149,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"click improper use of your report IAW the fair credit report act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have right to privacy. 15 USC 1681 section 604A, section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.","date_sent_to_company":"2024-08-25T00:14:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"920XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9924639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-08-25T00:07:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["click <em>improper</em> use of <em>your</em> <em>report</em> IAW the fair <em>credit</em> <em>report</em> act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have right to privacy. 15 USC 1681 section 604A, section 2, it also states that the consumer <em>reporting</em> agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a <em>credit</em> <em>card</em> account under an open consumer <em>credit</em> plan as late for any purpose."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Improper</em> use of <em>your</em> <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[12.317149,"9924639"]},{"_index":"complaint-public-v1","_id":"9924481","_score":12.289199,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"click improper use of your report XXXX the fair credit report act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have right to privacy. 15 USC 1681 section 604A, section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.","date_sent_to_company":"2024-09-09T18:35:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"920XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9924481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Credit Acceptance, LLC","date_received":"2024-08-25T00:14:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["click <em>improper</em> use of <em>your</em> <em>report</em> XXXX the fair <em>credit</em> <em>report</em> act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have right to privacy. 15 USC 1681 section 604A, section 2, it also states that the consumer <em>reporting</em> agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a <em>credit</em> <em>card</em> account under an open consumer <em>credit</em> plan as late for any purpose."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Improper</em> use of <em>your</em> <em>report</em>"],"company":["American <em>Credit</em> Acceptance, LLC"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[12.289199,"9924481"]},{"_index":"complaint-public-v1","_id":"9924478","_score":12.289199,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"click improper use of your report XXXX the fair credit report act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have right to privacy. 15 USC 1681 section 604A, section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.","date_sent_to_company":"2024-08-25T00:14:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"920XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9924478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-08-25T00:14:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["click <em>improper</em> use of <em>your</em> <em>report</em> XXXX the fair <em>credit</em> <em>report</em> act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have right to privacy. 15 USC 1681 section 604A, section 2, it also states that the consumer <em>reporting</em> agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a <em>credit</em> <em>card</em> account under an open consumer <em>credit</em> plan as late for any purpose."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Improper</em> use of <em>your</em> <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[12.289199,"9924478"]},{"_index":"complaint-public-v1","_id":"17830617","_score":12.256265,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding Synchrony Banks repeated assessment of late fees on my credit card account over the past 18 months. I believe these fees were applied improperly and without reasonable consideration of my payment history or circumstances. \n\nDuring this period, Synchrony charged multiple late fees that I do not believe were justified. Some payments were processed on time or within a reasonable grace period, and others were impacted by circumstances that Synchrony did not properly review or accommodate. Despite attempting to resolve this directly with the bank, Synchrony has not provided a fair review or credited the fees back. \n\nI am requesting the CFPBs assistance in having Synchrony : 1. Conduct a full review of my account for the past 24 months, 2. Provide a clear explanation for each late fee charged, and 3. Credit back all late fees that were assessed improperly or without appropriate consideration.\n\nI am also requesting confirmation that my credit reporting is corrected if any late fees were linked to inaccurate posting of payments or improper fee assessments.\n\nThank you for your help in Resolving this matter.","date_sent_to_company":"2025-11-29T03:08:40.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"91770","tags":null,"has_narrative":true,"complaint_id":"17830617","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-11-29T02:49:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["I am also requesting confirmation that my <em>credit</em> <em>reporting</em> is corrected if any late fees were linked to inaccurate posting of payments or <em>improper</em> fee assessments.\n\nThank you for <em>your</em> help in Resolving this matter."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[12.256265,"17830617"]},{"_index":"complaint-public-v1","_id":"12737458","_score":12.129011,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX ( XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) by reporting a business credit card account on my personal credit report and failing to provide me with the legally required 30-day notice to dispute the debt before reporting it to the credit bureaus. \n\nViolations by XXXX XXXX : Unlawful Reporting of Business Account Business credit card accounts should not be reported on my personal credit report unless explicitly agreed upon in writing. However, an XXXX business credit card collection has been improperly reported under my personal credit history, negatively impacting my personal credit score. This is a misrepresentation of my consumer credit obligations and violates my rights under the FCRA.\n\nFailure to Provide 30-Day Notice Before Reporting to Credit Bureaus Under the Fair Debt Collection Practices Act ( FDCPA ) and Section 623 of the FCRA, I am entitled to receive a written notice before negative information is furnished to consumer reporting agencies. I never received such a notice, depriving me of the opportunity to dispute or validate the debt before it was reported. This omission is a direct violation of my consumer rights. \n\nI request that the CFPB investigate XXXX for these violations and require them to immediately remove this improper collection from my personal credit report. Additionally, I seek confirmation of XXXX policies regarding reporting business credit accounts on personal credit reports. \n\nThank you for your attention to this matter. Please keep me informed of any developments in the investigation.","date_sent_to_company":"2025-03-31T15:25:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"12737458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-31T15:24:58.000Z","state":"NJ","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":["Violations by XXXX XXXX : Unlawful <em>Reporting</em> of Business Account Business <em>credit</em> <em>card</em> accounts should not be <em>reported</em> on my personal <em>credit</em> <em>report</em> unless explicitly agreed upon in writing. However, an XXXX business <em>credit</em> <em>card</em> collection has been <em>improperly</em> <em>reported</em> under my personal <em>credit</em> history, negatively impacting my personal <em>credit</em> score. This is a misrepresentation of my consumer <em>credit</em> obligations and violates my rights under the FCRA."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Improper</em> use of <em>your</em> <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[12.129011,"12737458"]},{"_index":"complaint-public-v1","_id":"12744915","_score":12.12504,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against American Express ( AMEX ) for violating the Fair Credit Reporting Act ( FCRA ) by reporting a business credit card account on my personal credit report and failing to provide me with the legally required 30-day notice to dispute the debt before reporting it to the credit bureaus.\n\nViolations by American Express : Unlawful Reporting of Business Account Business credit card accounts should not be reported on my personal credit report unless explicitly agreed upon in writing. However, an AMEX business credit card collection has been improperly reported under my personal credit history, negatively impacting my personal credit score. This is a misrepresentation of my consumer credit obligations and violates my rights under the FCRA.\n\nFailure to Provide 30-Day Notice Before Reporting to Credit Bureaus Under the Fair Debt Collection Practices Act ( FDCPA ) and Section 623 of the FCRA, I am entitled to receive a written notice before negative information is furnished to consumer reporting agencies. I never received such a notice, depriving me of the opportunity to dispute or validate the debt before it was reported. This omission is a direct violation of my consumer rights. \n\nI request that the CFPB investigate AMEX for these violations and require them to immediately remove this improper collection from my personal credit report. Additionally, I seek confirmation of AMEXs policies regarding reporting business credit accounts on personal credit reports. \n\nThank you for your attention to this matter. Please keep me informed of any developments in the investigation.","date_sent_to_company":"2025-03-31T15:25:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"12744915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-03-31T15:08:54.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Violations by American Express : Unlawful <em>Reporting</em> of Business Account Business <em>credit</em> <em>card</em> accounts should not be <em>reported</em> on my personal <em>credit</em> <em>report</em> unless explicitly agreed upon in writing. However, an AMEX business <em>credit</em> <em>card</em> collection has been <em>improperly</em> <em>reported</em> under my personal <em>credit</em> history, negatively impacting my personal <em>credit</em> score. This is a misrepresentation of my consumer <em>credit</em> obligations and violates my rights under the FCRA."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Improper</em> use of <em>your</em> <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[12.12504,"12744915"]},{"_index":"complaint-public-v1","_id":"16559692","_score":11.964385,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX Citi Credit Card and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cell : XXXX XX/XX/year> To : Citi Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Citi Credit Card ending in XXXX Unresolved Back Check Reimbursement, Late Fees, Overpayment, and Improper Annual Fee Dear Citi Customer Service, I am writing to file a formal written complaint regarding the mishandling of my Citi credit card account and multiple unresolved issues following a promised free bag check benefit with XXXX XXXX. The situation has caused significant confusion, overpayment, and improper fees despite repeated attempts to resolve it through your customer service and dispute departments. \nSummary of Events Free Back Check Offer Not Honored : Citi advertised a free back check benefit through my card. On XX/XX/year>, when I arrived at curbside check-in at XXXX XXXX , the benefit was not associated with my ticket. I was told to pay the fee and request reimbursement. \nPayment and Dispute : I paid {$48.00} at XXXX XXXX XXXX. I submitted a dispute with Citi. The dispute record ( attached ) shows it was marked Resolved in Your Favor on XX/XX/year>, but Citi credited only {$33.00} on XX/XX/year>, leaving a shortfall of {$14.00}. \nLate Fees and Overpayment : Despite the issue being caused by Citis incomplete reimbursement, the account accumulated multiple late fees and finance charges. In an effort to clear the confusion, I made an {$80.00} payment nearly twice the original fee just to bring the balance current. I was later assured by a Citi representative on XX/XX/year> that all fees would be credited back and that the matter would be fully resolved. \nCard Cancellation and Annual Fee : When I first attempted to cancel the card, I was told I could not because a replacement card had just been issued. I waited for the new card to arrive, called again, and was told cancellation could proceed. However, Citi then charged me a {$99.00} annual fee and additional fees, even after previous representatives confirmed the account would be cleared and closed. \nMost recent ( todays ) Customer Service Contacts : XX/XX/year> : Citi representative promised to credit all fees and finalize resolution. \nXX/XX/year> XXXX ( XXXX XXXXXXXX XXXX XXXX ) : Confirmed documentation of my case and promised follow-up. \nXXXX : Indicated Citi tried to credit the late fee but could not. \nRequested Resolution Full reimbursement of the remaining {$14.00} from the original {$48.00} charge. \nFull reversal of all late fees, finance charges, and interest applied during this period. \nRefund of the {$99.00} annual fee improperly charged after I requested card cancellation. \nConfirmation that my {$80.00} payment ( overpayment ) has been properly applied or refunded. \nWritten confirmation that my account is closed and in good standing, with no negative reporting to credit bureaus. \nEnclosures Screenshot of Citi dispute resolution showing Resolved in Your Favor but {$33.00} credit Please provide a written response within 30 days of receipt confirming full resolution. I am attempting to include an email to the Consumer Financial Protection Bureau ( CFPB ) and state banking regulators. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX Account ending in XXXX","date_sent_to_company":"2025-10-14T23:57:27.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"33596","tags":"Servicemember","has_narrative":true,"complaint_id":"16559692","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-10-14T23:48:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["Refund of the {$99.00} annual fee <em>improperly</em> charged after I requested <em>card</em> cancellation. \nConfirmation that my {$80.00} payment ( overpayment ) has been properly applied or refunded. \nWritten confirmation that my account is closed and in good standing, with no negative <em>reporting</em> to <em>credit</em> bureaus. \nEnclosures Screenshot of Citi dispute resolution showing Resolved in <em>Your</em> Favor but {$33.00} <em>credit</em> Please provide a written response within 30 days of receipt confirming full resolution."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[11.964385,"16559692"]},{"_index":"complaint-public-v1","_id":"10207590","_score":11.958403,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is XXXX years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of the repossession from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.","date_sent_to_company":"2024-09-22T15:06:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10207590","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-22T14:54:44.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CRA and XXXX XXXX XXXX XXXX Repeatedly <em>reporting</em> the <em>Credit</em> <em>card</em> Charge Off each month creates an inaccurate and misleading <em>credit</em> <em>report</em>, which negatively impacts my <em>credit</em> score and the statute of limitations for <em>reporting</em> a <em>credit</em> Charge Off is XXXX years from the date of the delinquency leading to the <em>credit</em> <em>card</em> Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). <em>Reporting</em> this <em>Credit</em> <em>Card</em> Charge Off multiple times does not extend this statute and is therefore <em>improper</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[11.958403,"10207590"]},{"_index":"complaint-public-v1","_id":"10207236","_score":11.958403,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is XXXX years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of the repossession from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.","date_sent_to_company":"2024-09-22T15:06:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10207236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-22T15:06:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CRA and XXXX XXXX XXXX XXXX Repeatedly <em>reporting</em> the <em>Credit</em> <em>card</em> Charge Off each month creates an inaccurate and misleading <em>credit</em> <em>report</em>, which negatively impacts my <em>credit</em> score and the statute of limitations for <em>reporting</em> a <em>credit</em> Charge Off is XXXX years from the date of the delinquency leading to the <em>credit</em> <em>card</em> Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). <em>Reporting</em> this <em>Credit</em> <em>Card</em> Charge Off multiple times does not extend this statute and is therefore <em>improper</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[11.958403,"10207236"]},{"_index":"complaint-public-v1","_id":"10207583","_score":11.952642,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is XXXX years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of the repossession from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.","date_sent_to_company":"2024-09-22T15:06:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10207583","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-22T15:06:12.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CRA and XXXX XXXX XXXX XXXX Repeatedly <em>reporting</em> the <em>Credit</em> <em>card</em> Charge Off each month creates an inaccurate and misleading <em>credit</em> <em>report</em>, which negatively impacts my <em>credit</em> score and the statute of limitations for <em>reporting</em> a <em>credit</em> Charge Off is XXXX years from the date of the delinquency leading to the <em>credit</em> <em>card</em> Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). <em>Reporting</em> this <em>Credit</em> <em>Card</em> Charge Off multiple times does not extend this statute and is therefore <em>improper</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[11.952642,"10207583"]},{"_index":"complaint-public-v1","_id":"10665027","_score":11.874088,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Submitted method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. All documentation by email or mail. \nFCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is XXXX years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of XXXX XXXX XXXX charge off from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.","date_sent_to_company":"2024-11-02T10:54:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10665027","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-02T10:54:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CRA and XXXX XXXX XXXX XXXX Repeatedly <em>reporting</em> the <em>Credit</em> <em>card</em> Charge Off each month creates an inaccurate and misleading <em>credit</em> <em>report</em>, which negatively impacts my <em>credit</em> score and the statute of limitations for <em>reporting</em> a <em>credit</em> Charge Off is XXXX years from the date of the delinquency leading to the <em>credit</em> <em>card</em> Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). <em>Reporting</em> this <em>Credit</em> <em>Card</em> Charge Off multiple times does not extend this statute and is therefore <em>improper</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[11.874088,"10665027"]},{"_index":"complaint-public-v1","_id":"10665026","_score":11.874088,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Submitted method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. All documentation by email or mail.\n\nFCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is seven years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of XXXX XXXX XXXX  charge off from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.","date_sent_to_company":"2024-11-02T10:54:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10665026","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-02T10:54:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CRA and XXXX XXXX XXXX XXXX Repeatedly <em>reporting</em> the <em>Credit</em> <em>card</em> Charge Off each month creates an inaccurate and misleading <em>credit</em> <em>report</em>, which negatively impacts my <em>credit</em> score and the statute of limitations for <em>reporting</em> a <em>credit</em> Charge Off is seven years from the date of the delinquency leading to the <em>credit</em> <em>card</em> Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). <em>Reporting</em> this <em>Credit</em> <em>Card</em> Charge Off multiple times does not extend this statute and is therefore <em>improper</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[11.874088,"10665026"]},{"_index":"complaint-public-v1","_id":"10664688","_score":11.860429,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Submitted method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. All documentation by email or mail. \nFCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is seven years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of XXXX XXXX XXXX  charge off from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.","date_sent_to_company":"2024-11-02T10:54:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10664688","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-02T10:54:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CRA and XXXX XXXX XXXX XXXX Repeatedly <em>reporting</em> the <em>Credit</em> <em>card</em> Charge Off each month creates an inaccurate and misleading <em>credit</em> <em>report</em>, which negatively impacts my <em>credit</em> score and the statute of limitations for <em>reporting</em> a <em>credit</em> Charge Off is seven years from the date of the delinquency leading to the <em>credit</em> <em>card</em> Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). <em>Reporting</em> this <em>Credit</em> <em>Card</em> Charge Off multiple times does not extend this statute and is therefore <em>improper</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[11.860429,"10664688"]},{"_index":"complaint-public-v1","_id":"18658966","_score":11.794142,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute inaccurate and improper credit reporting appearing on my consumer credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). \nThe disputed account concerns a Capital One credit card account that was closed by the credit grantor on XX/XX/2025, and a related collection account reported by XXXX XXXX XXXX. \nThe following inaccuracies and improper reporting issues must be corrected : Improper Reporting of Utilization on a Closed Account The Capital One account continues to report a {$360.00} balance against a {$300.00} credit limit, reflecting 122 % utilization, despite the account being closed. Credit utilization should not be calculated or reported on closed accounts, as this misrepresents current credit risk. \nDuplicate Reporting of the Same Debt The same alleged debt is being reported by both Capital One ( as charged off / in collections ) and XXXX XXXX XXXX as a collection account. If the debt was sold or transferred, Capital One must report a {$0.00} balance. Reporting both accounts simultaneously constitutes duplicate and misleading derogatory reporting. \nImproper Ongoing Delinquency Reporting After Charge-Off The account reflects continued monthly late payments after charge-off, despite no ongoing monthly payment obligation existing. This practice is inaccurate and punitive.\n\nFailure to Conduct a Reasonable Investigation A prior dispute submitted under ownership/ no knowledge of this account was denied without the provision of any documentary evidence validating the debt, such as a signed application, contract, or account statements. Automated verification does not satisfy the FCRAs requirement for a reasonable investigation. \nI am requesting immediate correction or deletion of this inaccurate information. If the information can not be fully verified with proper documentation, it must be removed from my credit file. \nPlease complete your reinvestigation within the timeframe required by law and provide written confirmation of the results. \nThis is the dispute I sent Them no response","date_sent_to_company":"2026-01-12T20:02:05.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"60637","tags":null,"has_narrative":true,"complaint_id":"18658966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-12T19:43:23.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally dispute inaccurate and <em>improper</em> <em>credit</em> <em>reporting</em> appearing on my consumer <em>credit</em> 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