{"took":350,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1086,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11498447","_score":28.441519,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Letter to CFPB Exposing Consumer Santanders Deceptive and Inaccurate Reporting Practices Subject : Formal Complaint Against Consumer Santander for Deceptive Reporting Practices and Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this formal complaint to bring attention to Consumer Santanders deceptive, inaccurate, and unlawful credit reporting practices. Their actions have caused significant harm to my creditworthiness, capacity, and financial reputation. Specifically, they have engaged in practices that demonstrate clear intent to mislead and violate my rights under the Fair Credit Reporting Act ( FCRA ).","date_sent_to_company":"2025-01-13T18:58:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32308","tags":null,"has_narrative":true,"complaint_id":"11498447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-01-13T18:32:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Letter to CFPB Exposing Consumer Santanders <em>Deceptive</em> and <em>Inaccurate</em> <em>Reporting</em> <em>Practices</em> <em>Subject</em> : <em>Formal</em> <em>Complaint</em> <em>Against</em> Consumer Santander for <em>Deceptive</em> <em>Reporting</em> <em>Practices</em> and Violations of the Fair Credit <em>Reporting</em> Act ( FCRA ) To Whom It May Concern, I am filing this <em>formal</em> <em>complaint</em> to bring attention to Consumer Santanders <em>deceptive</em>, <em>inaccurate</em>, and unlawful credit <em>reporting</em> <em>practices</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[28.441519,"11498447"]},{"_index":"complaint-public-v1","_id":"11569226","_score":23.374653,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Experian for Unfair Practices and Consumer Financial Protection Act Violations I am filing a formal complaint against Experian for engaging in unfair practices that violate the Consumer Financial Protection Act ( CFPA ) and potentially the Fair Credit Reporting Act ( FCRA ).\n\nDetails of Complaint : 1. Inaccurate Reporting and Dispute Handling : Experian failed to update and correct inaccurate information on my credit report despite multiple dispute submissions. This negligence has negatively impacted my credit score and ability to secure credit or loans.\n\n2. Unfair Practices in Consumer Disputes : Experians dispute resolution process was ineffective and did not comply with the Fair Credit Reporting Act. Their failure to investigate disputes in a timely manner and provide clear resolutions has caused me financial and emotional distress.\n\n3. Deceptive Marketing Practices : Experian has engaged in misleading advertising for their subscription services, such as promoting free services that require paid subscriptions.\n\nThese violations demonstrate systemic issues with Experians credit reporting and dispute processes, which have harmed me and potentially other consumers.","date_sent_to_company":"2025-01-17T03:40:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"11569226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-17T03:36:24.000Z","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":["<em>Subject</em> : <em>Complaint</em> <em>Against</em> Experian for Unfair <em>Practices</em> and Consumer Financial Protection Act Violations I am filing a <em>formal</em> <em>complaint</em> <em>against</em> Experian for engaging in unfair <em>practices</em> that violate the Consumer Financial Protection Act ( CFPA ) and potentially the Fair Credit <em>Reporting</em> Act ( FCRA ).\n\nDetails of <em>Complaint</em> : 1. <em>Inaccurate</em> <em>Reporting</em> and Dispute Handling : Experian failed to update and correct <em>inaccurate</em> information on my credit <em>report</em> despite multiple dispute submissions."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[23.374653,"11569226"]},{"_index":"complaint-public-v1","_id":"8610248","_score":22.702051,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Complaint Against Midland Credit Management Inc. for Alleged Violations of the FDCPA and Consumer Rights Dear Sir/Madam, I am writing to file a formal complaint against Midland Credit Management Inc. for multiple alleged violations of the Fair Debt Collection Practices Act ( FDCPA ) and infringement of my consumer rights. I believe that I have been subjected to unfair and deceptive debt collection practices by this company, as outlined below : 1. Misrepresentation of Debt Status : Midland Credit Management Inc. has misrepresented the status of my debt, engaging in misleading communication strategies during the collection process, which I believe is designed to coerce or confuse me as a debtor. \n\n2. Failure to Provide Required Notices : The company failed to provide the mini-Miranda notice in its communications, which is a fundamental requirement that informs the consumer the communication is from a debt collector. \n\n3. Threats of Legal Action : I have been subjected to threats of legal action, specifically referenced to [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], for which the debt collector does not possess the present right or intention to initiate, violating the prohibitions against threatening legal actions that can not or will not be taken. \n\n4. Inaccurate Reporting and Improper Use of Reports : Midland Credit Management Inc. has attempted to collect a debt I do not owe, threatened legal actions under false pretenses, inaccurately reported this debt to credit agencies, and improperly used such reports, which constitutes a severe violation of my rights under consumer protection laws. \n\n5. Misleading Debt Collection Attempts : The entity has consistently misled me about my rights and the nature of the debt collection attempts, thus creating a misinformed and intimidating environment. \n\n6. Publishing Consumer Information : Midland Credit Management Inc. has unlawfully published my personal information, aside from reporting to consumer credit agencies, after I refused payment, directly contravening the FDCPA 's stipulations. \n\n7. Deceptive Practices in Debt Collection : The company has engaged in deceptive practices aimed at collecting the alleged debt, displaying a pattern of unethical and illegal conduct. \n\nThese allegations represent a pattern of potentially illegal and unethical behavior by Midland Credit Management Inc. in its debt collection efforts. I believe these actions not only violate the FDCPA but also infringe upon my rights as outlined in the Consumer Bill of Rights. These rights include being informed and protected against fraudulent, deceitful, or misleading practices and having my interests and complaints adequately heard and considered. \n\nGiven the severity of these allegations and the potential impact on my financial and personal wellbeing, I urge the Consumer Financial Protection Bureau to take immediate action to investigate these claims and hold Midland Credit Management Inc. accountable for any proven misconduct. I am prepared to provide further documentation and details as required. \n\nThank you for your attention to this matter. I look forward to your prompt response and action to protect my rights and those of other consumers.","date_sent_to_company":"2024-03-24T18:26:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"8610248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-03-24T18:06:18.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Subject</em> : <em>Formal</em> <em>Complaint</em> <em>Against</em> Midland Credit Management Inc. for Alleged Violations of the FDCPA and Consumer Rights Dear Sir/Madam, I am writing to file a <em>formal</em> <em>complaint</em> <em>against</em> Midland Credit Management Inc. for multiple alleged violations of the Fair Debt Collection <em>Practices</em> Act ( FDCPA ) and infringement of my consumer rights. I believe that I have been <em>subjected</em> to unfair and <em>deceptive</em> debt collection <em>practices</em> by this company, as outlined below : 1."]},"sort":[22.702051,"8610248"]},{"_index":"complaint-public-v1","_id":"11626031","_score":22.662045,"_source":{"product":"Debt collection","complaint_what_happened":"Below is a sample letter you can use to file a complaint against XXXX, referencing the lawsuit that the Consumer Financial Protection Bureau ( CFPB ) filed against them. The lawsuit accused XXXX of deceptive practices regarding credit scores and other unfair practices. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Deceptive Practices and Credit Reporting Issues Dear XXXX Consumer Relations, I am writing to formally address my concerns about Experians practices and how they have negatively impacted me. I recently became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, which alleges deceptive practices in marketing credit scores and other violations of consumer rights. Based on my experience, I believe my concerns align with some of the issues identified in that case. \n\nSpecifically : XXXX. Inaccurate Credit Information : I have identified inaccuracies on my credit report that remain uncorrected despite multiple attempts to dispute them. These inaccuracies have caused significant harm to my creditworthiness. \nXXXX. Deceptive XXXX XXXX Representation : I believe that the credit scores provided through XXXX services are misleading and not representative of what lenders use in their decision-making process. This has led me to make financial decisions based on inaccurate information. \nXXXX. Unfair Business Practices : I have concerns regarding Experians subscription services, which I believe have been marketed in a misleading way, resulting in charges I did not explicitly authorize. \n\nThese practices violate the Fair Credit Reporting Act ( FCRA ) and the principles outlined in the XXXX legal actions against XXXX. As a consumer, I am entitled to accurate credit reporting, transparency, and fair treatment under the law. \n\nI am requesting the following : A thorough investigation and correction of the inaccuracies on my credit report. \nA full explanation of how XXXX calculates and represents credit scores provided to consumers. \nA refund of any unauthorized charges related to subscription services. \n\nIf this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. I am prepared to take additional legal steps to ensure my rights are protected. \n\nPlease respond to this complaint in writing within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). \n\nThank you for your attention to this matter. I look forward to your prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-19T15:10:45.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"53704","tags":null,"has_narrative":true,"complaint_id":"11626031","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-01-19T14:46:00.000Z","state":"WI","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> Regarding <em>Deceptive</em> <em>Practices</em> and Credit <em>Reporting</em> Issues Dear XXXX Consumer Relations, I am writing to <em>formally</em> address my concerns about Experians <em>practices</em> and how they have negatively impacted me."]},"sort":[22.662045,"11626031"]},{"_index":"complaint-public-v1","_id":"16006580","_score":21.42063,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/XXXX Office of the Attorney General, XXXX XXXX XXXX, XXXX, TX XXXX Subject : Complaint Against TransUnion for Deceptive Business Practices Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion regarding its continued use of deceptive business practices, specifically pertaining to the reinsertion of previously deleted or inaccurate account information on consumer credit reports. This conduct appears to violate provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus maintain accurate records and conduct reasonable reinvestigations of disputes. \n\nTransUnion has been the subject of numerous lawsuits, including class-action suits, for these very practices. A notable example is the case of XXXX XXXX XXXX XXXXXXXX Trans Union XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX, where a Wisconsin resident accused TransUnion of violating the FCRA by reinserting deleted information into their credit report. After a disputed item was removed, it reappeared without justification. This case highlights the serious implications of TransUnion 's actions, which undermine consumer trust and violate federal regulations. \n\nMoreover, FCRA violations occur when a credit reporting agency ( CRA ) provides consumer credit reports without a permissible purpose, as outlined in section 604 ( f ). This includes situations where a report is accessed without the consumer 's written consent or for reasons that do not align with legitimate business needssuch as a consumer-initiated transaction or a court order. XXXX failure to adhere to these guidelines raises significant concerns about their compliance with the law. \n\nAdditionally, TransUnion has faced other lawsuits and complaints related to similar deceptive practices, further emphasizing a pattern of behavior that disregards consumer rights and regulatory standards. These actions not only harm individual consumers but also erode the integrity of the credit reporting system as a whole. \n\nGiven the severity of these issues, I urge your offices to investigate XXXX practices and take appropriate action to ensure compliance with the FCRA. Consumers deserve transparency and fairness in the credit reporting process, and it is crucial that agencies like TransUnion are held accountable for their actions. \n\nThank you for your attention to this matter. I look forward to your prompt response regarding the steps that will be taken to address these concerns. \n\nSincerely,","date_sent_to_company":"2025-09-17T12:01:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"16006580","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-17T11:55:29.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/XXXX Office of the Attorney General, XXXX XXXX XXXX, XXXX, TX XXXX <em>Subject</em> : <em>Complaint</em> <em>Against</em> TransUnion for <em>Deceptive</em> Business <em>Practices</em> Dear Sir/Madam, I am writing to <em>formally</em> lodge a <em>complaint</em> <em>against</em> TransUnion regarding its continued use of <em>deceptive</em> business <em>practices</em>, specifically pertaining to the reinsertion of previously deleted or <em>inaccurate</em> account information on consumer credit <em>reports</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[21.42063,"16006580"]},{"_index":"complaint-public-v1","_id":"15792852","_score":21.42063,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against TransUnion for Deceptive Business Practices Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion regarding its continued use of deceptive business practices, specifically pertaining to the reinsertion of previously deleted or inaccurate account information on consumer credit reports. This conduct appears to violate provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus maintain accurate records and conduct reasonable reinvestigations of disputes. \n\nTransUnion has been the subject of numerous lawsuits, including class-action suits, for these very practices. A notable example is the case of * * XXXX XXXX Trans Union , LLC ( XXXX ) * *, where a Wisconsin resident accused TransUnion of violating the FCRA by reinserting deleted information into their credit report. After a disputed item was removed, it reappeared without justification. This case highlights the serious implications of TransUnion 's actions, which undermine consumer trust and violate federal regulations. \n\nMoreover, FCRA violations occur when a credit reporting agency ( CRA ) provides consumer credit reports without a permissible purpose, as outlined in section 604 ( f ). This includes situations where a report is accessed without the consumer 's written consent or for reasons that do not align with legitimate business needssuch as a consumer-initiated transaction or a court order. TransUnions failure to adhere to these guidelines raises significant concerns about their compliance with the law. \n\nAdditionally, TransUnion has faced other lawsuits and complaints related to similar deceptive practices, further emphasizing a pattern of behavior that disregards consumer rights and regulatory standards. These actions not only harm individual consumers but also erode the integrity of the credit reporting system as a whole. \n\nGiven the severity of these issues, I urge your offices to investigate TransUnions practices and take appropriate action to ensure compliance with the FCRA. Consumers deserve transparency and fairness in the credit reporting process, and it is crucial that agencies like TransUnion are held accountable for their actions. \n\nThank you for your attention to this matter. I look forward to your prompt response regarding the steps that will be taken to address these concerns. \n\nSincerely,","date_sent_to_company":"2025-09-08T21:51:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"15792852","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-08T21:46:04.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX <em>Subject</em> : <em>Complaint</em> <em>Against</em> TransUnion for <em>Deceptive</em> Business <em>Practices</em> Dear Sir/Madam, I am writing to <em>formally</em> lodge a <em>complaint</em> <em>against</em> TransUnion regarding its continued use of <em>deceptive</em> business <em>practices</em>, specifically pertaining to the reinsertion of previously deleted or <em>inaccurate</em> account"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[21.42063,"15792852"]},{"_index":"complaint-public-v1","_id":"12387748","_score":20.91159,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX XXXX  for Inaccurate Debt Collection and Fair Credit Reporting Act Violations To Whom It May Concern, I am filing a formal complaint against XXXX XXXX  for attempting to collect an inaccurate and inflated debt from me in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX is attempting to collect {$1400.00} for a daycare-related debt, despite the fact that I only ever owed {$600.00}. \n\nAdditionally, I was never given an opportunity to dispute or verify the debt because the daycare provider provided XXXX XXXX with an incorrect address. As a result, I did not receive proper notice of the debt before it was sent to collections. \n\nThis practice is unfair, deceptive, and unlawful for the following reasons : Under 15 U.S.C. 1681s-2, debt collectors and furnishers must ensure that reported debt is accurate and complete. XXXX XXXX failed to do so. \nUnder 15 U.S.C. 1692g ( b ), consumers have the right to dispute a debt before collection efforts continue, but I was denied this right due to their failure to provide proper notice.\n\nThe incorrect amount being reported has negatively impacted my credit score and financial standing, despite the fact that it is not a valid debt.\n\nI am requesting the CFPB to investigate XXXX XXXX for their failure to follow federal debt collection and credit reporting laws. Specifically, I request that : 1. XXXX XXXX cease all collection efforts until the debt is properly validated. \n2. XXXX XXXX correct or remove any inaccurate credit reporting related to this debt. \n3. The CFPB take appropriate action to hold XXXX XXXX accountable for their deceptive and unfair collection practices. \n\nI have attached supporting documentation, including any communication related to this debt. Please let me know if additional information is required. \n\nThank you for your time and attention to this matter. I look forward to your prompt response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-09T21:42:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"55106","tags":null,"has_narrative":true,"complaint_id":"12387748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-03-09T21:24:57.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> <em>Against</em> XXXX XXXX  for <em>Inaccurate</em> Debt Collection and Fair Credit <em>Reporting</em> Act Violations To Whom It May Concern, I am filing a <em>formal</em> <em>complaint</em> <em>against</em> XXXX XXXX  for attempting to collect an <em>inaccurate</em> and inflated debt from me in violation of the Fair Debt Collection <em>Practices</em> Act ( FDCPA ) and the Fair Credit <em>Reporting</em> Act ( FCRA )."]},"sort":[20.91159,"12387748"]},{"_index":"complaint-public-v1","_id":"12058316","_score":20.871775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint False Charge-Off Reporting and Potential Tax Evasion by Discover Bank Dear CFPB Representative, I am submitting a formal complaint against Discover Bank for falsely reporting a charge-off on my credit report that no longer exists. This inaccurate reporting is not only fraudulent and misleading but also negatively impacts my creditworthiness, causing significant financial harm.\n\nIssue Summary : False Charge-Off Reporting : Discover Bank has charged off an account with a balance of {$7900.00} on my credit report, even though this debt is no longer valid or does not exist in the capacity they claim.\n\nViolation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681s-2, creditors are required to report accurate information to credit bureaus. Discovers false reporting violates this statute, constituting willful misrepresentation and intimidation through fraudulent debt claims. \nUnfair and Deceptive Practices ( UDAAP Violation ) : The CFPB prohibits unfair, deceptive, or abusive acts under 12 U.S.C. 5531. Reporting a debt as charged-off while still holding it against me in credit reporting is both deceptive and abusive.\n\nPotential Tax Evasion ( IRS Fraud ) : A charge-off means that the creditor has written off the debt as a business loss for tax purposes. If Discover Bank has indeed written this off while still reporting it as an outstanding balance against me, this could indicate improper tax deductions in violation of IRS tax fraud laws under 26 U.S.C. 7201.\n\nRequested Action : 1. Immediate Removal : I request that Discover Bank immediately delete the false charge-off from my credit reports ( XXXX, XXXX, and XXXX ) XXXX \n2. Formal Investigation : I urge the CFPB to investigate Discover Banks practices regarding charge-offs and ensure they are not engaging in tax evasion or fraudulent debt intimidation.\n\n3. Legal Enforcement : If evidence supports my claims, I request that the CFPB take appropriate legal action against Discover Bank for its violations of the FCRA, UDAAP regulations, and potential tax fraud.\n\nI have attached the following supporting documents : A copy of my credit report showing the inaccurate charge-off. \nAny supporting documentation proving the debt is invalid or resolved.\n\nA copy of my dispute letters sent to the credit bureaus.\n\nUnder 15 U.S.C. 1681i, credit bureaus are required to investigate disputes within 30 days. If this false information is not removed promptly, I will escalate this matter further through legal channels.\n\nI request a written response regarding this complaint as soon as possible.","date_sent_to_company":"2025-02-11T06:55:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92405","tags":null,"has_narrative":true,"complaint_id":"12058316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-02-11T06:47:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Subject</em> : <em>Formal</em> <em>Complaint</em> False Charge-Off <em>Reporting</em> and Potential Tax Evasion by Discover Bank Dear CFPB Representative, I am submitting a <em>formal</em> <em>complaint</em> <em>against</em> Discover Bank for falsely <em>reporting</em> a charge-off on my credit <em>report</em> that no longer exists. This <em>inaccurate</em> <em>reporting</em> is not only fraudulent and misleading but also negatively impacts my creditworthiness, causing significant financial harm."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[20.871775,"12058316"]},{"_index":"complaint-public-v1","_id":"9505666","_score":20.794083,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint for Violation of FCRA, TILA, and FDUTPA by Equifax Dear CFPB, I am writing to file a formal complaint against Equifax for their egregious violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). On XX/XX/XXXX Equifax has verified several inquiries on my credit report without proper validation, causing significant damage to my creditworthiness and financial well-being. \n\nBackground : On multiple occasions, Equifax has verified the following inquiries without adequate investigation, violating my rights under federal and state laws : XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Violations : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), Equifax is mandated to ensure the accuracy and completeness of the information it reports. The negligent verification of these inquiries without proper validation processes demonstrates a clear violation of these sections. Equifax has failed to perform a reasonable investigation, causing significant and unjust harm to my credit profile. \n\nTruth in Lending Act ( TILA ) : The TILA mandates clear and accurate disclosure of credit terms. The inaccurate reporting and subsequent verification of these inquiries by Equifax obscure the true nature of my credit history, potentially misleading lenders and violating TILA provisions intended to protect consumers from deceptive lending practices. \n\nFlorida Deceptive and Unfair Trade Practices Act ( FDUTPA ) : The FDUTPA prohibits unfair or deceptive acts in trade or commerce. Equifax 's failure to verify the accuracy of the inquiries and subsequent verification of inaccurate information constitutes a deceptive practice. This has not only damaged my creditworthiness but also violated my consumer rights under Florida law.","date_sent_to_company":"2024-07-15T03:22:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34691","tags":null,"has_narrative":true,"complaint_id":"9505666","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-15T03:07:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Subject</em> : <em>Formal</em> <em>Complaint</em> for Violation of FCRA, TILA, and FDUTPA by Equifax Dear CFPB, I am writing to file a <em>formal</em> <em>complaint</em> <em>against</em> Equifax for their egregious violations of the Fair Credit <em>Reporting</em> Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida <em>Deceptive</em> and Unfair Trade <em>Practices</em> Act ( FDUTPA )."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[20.794083,"9505666"]},{"_index":"complaint-public-v1","_id":"9505658","_score":20.773634,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint for Violation of FCRA, TILA, and FDUTPA by Equifax Dear CFPB, I am writing to file a formal complaint against Equifax for their egregious violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). On XX/XX/XXXX Equifax has verified several inquiries on my credit report without proper validation, causing significant damage to my creditworthiness and financial well-being. \n\nBackground : On multiple occasions, Equifax has verified the following inquiries without adequate investigation, violating my rights under federal and state laws : XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Violations : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), Equifax is mandated to ensure the accuracy and completeness of the information it reports. The negligent verification of these inquiries without proper validation processes demonstrates a clear violation of these sections. Equifax has failed to perform a reasonable investigation, causing significant and unjust harm to my credit profile.\n\nTruth in Lending Act ( TILA ) : The TILA mandates clear and accurate disclosure of credit terms. The inaccurate reporting and subsequent verification of these inquiries by Equifax obscure the true nature of my credit history, potentially misleading lenders and violating TILA provisions intended to protect consumers from deceptive lending practices.\n\nFlorida Deceptive and Unfair Trade Practices Act ( FDUTPA ) : The FDUTPA prohibits unfair or deceptive acts in trade or commerce. Equifax 's failure to verify the accuracy of the inquiries and subsequent verification of inaccurate information constitutes a deceptive practice. This has not only damaged my creditworthiness but also violated my consumer rights under Florida law.","date_sent_to_company":"2024-07-15T03:22:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34691","tags":null,"has_narrative":true,"complaint_id":"9505658","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-15T03:22:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Subject</em> : <em>Formal</em> <em>Complaint</em> for Violation of FCRA, TILA, and FDUTPA by Equifax Dear CFPB, I am writing to file a <em>formal</em> <em>complaint</em> <em>against</em> Equifax for their egregious violations of the Fair Credit <em>Reporting</em> Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida <em>Deceptive</em> and Unfair Trade <em>Practices</em> Act ( FDUTPA )."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[20.773634,"9505658"]},{"_index":"complaint-public-v1","_id":"20553230","_score":20.76511,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Complaint Reporting of Unverified Debt / Lawsuit Dismissed / FCRA Violations Complaint Statement I am submitting this formal complaint regarding inaccurate and unverified credit reporting by Midland Credit Management , Inc, Petland and Capital one., and the continued reporting of an alleged debt that was the subject of a civil lawsuit which has now been dismissed. \n\nMidland Credit Management filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, Case No. XXXX. \nThe Plaintiff voluntarily dismissed the case pursuant to Florida Rule of Civil Procedure 1.420, without proving the debt, without presenting admissible evidence, and without obtaining judgment.\n\nBecause the Plaintiff dismissed the case, the alleged debt remains unverified and unsupported. \n\nDespite this, the account continues to be reported on my credit reports. \n\nViolations of Federal Law Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy.\n\nUnder 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation after dispute.\n\nUnder 15 U.S.C. 1681i, credit bureaus must delete information that can not be verified. \nA debt that could not be proven in court can not be considered verified. \nCFPB Regulation F Debt Collection Rules Under 12 CFR 1006, a debt collector must possess sufficient documentation before pursuing collection or litigation.\n\nMidland initiated litigation but dismissed the case without proof, showing lack of sufficient documentation.\n\nContinuing to report the debt after dismissal is deceptive and unfair.\n\nFTC Act Unfair and Deceptive Practices Reporting a debt that can not be proven in court may constitute an unfair or deceptive practice under 15 U.S.C. 45.\n\nConsumers should not be harmed by credit reporting based on unsupported claims. \n\n\nAttachments Notice of Voluntary Dismissal Court case information Credit report showing account","date_sent_to_company":"2026-03-24T19:32:32.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"33570","tags":null,"has_narrative":true,"complaint_id":"20553230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-03-24T18:17:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["<em>Subject</em> : <em>Complaint</em> <em>Reporting</em> of Unverified Debt / Lawsuit Dismissed / FCRA Violations <em>Complaint</em> Statement I am submitting this <em>formal</em> <em>complaint</em> regarding <em>inaccurate</em> and unverified credit <em>reporting</em> by Midland Credit Management , Inc, Petland and Capital one., and the continued <em>reporting</em> of an alleged debt that was the <em>subject</em> of a civil lawsuit which has now been dismissed."]},"sort":[20.76511,"20553230"]},{"_index":"complaint-public-v1","_id":"13716107","_score":20.74359,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against XXXX Regarding Incorrect Reporting and Deceptive Practices Account Number : XXXX XXXXXXXX XXXX XXXX  Creditor : XXXX Dear Sir or Madam, I am writing to file a formal consumer complaint regarding XXXX  credit card services for unethical and inaccurate reporting of my account status and for failure in disclosing changes to my auto-payment setup, which led to fraudulent delinquency reporting to the credit bureaus. \n\nI was a customer of XXXX and had AutoPay enabled for my account since inception. In XX/XX/year>, XXXX arbitrarily and without notice disabled my AutoPay, which had been functioning correctly and paying my bill in full and on time.\n\nDespite this change, the company never informed me, and instead continued to charge monthly service fees. When I discovered this issue and contacted them, a customer service agent acknowledged their fault and assured me that it would not be reported as a delinquency. \n\nI immediately closed the account. However, upon reviewing my credit report, I have found that XXXX  falsely reported my account as delinquent, which is factually incorrect and causing damage to my creditworthiness.","date_sent_to_company":"2025-05-26T06:20:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"043XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13716107","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-26T06:19:46.000Z","state":"ME","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Subject</em> : <em>Formal</em> <em>Complaint</em> <em>Against</em> XXXX Regarding Incorrect <em>Reporting</em> and <em>Deceptive</em> <em>Practices</em> Account Number : XXXX XXXXXXXX XXXX XXXX  Creditor : XXXX Dear Sir or Madam, I am writing to file a <em>formal</em> consumer <em>complaint</em> regarding XXXX  credit card services for unethical and <em>inaccurate</em> <em>reporting</em> of my account status and for failure in disclosing changes to my auto-payment setup, which led to fraudulent delinquency <em>reporting</em> to the credit bureaus."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[20.74359,"13716107"]},{"_index":"complaint-public-v1","_id":"13725132","_score":20.717958,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against XXXX Regarding Incorrect Reporting and Deceptive Practices Account Number : XXXX XXXXXXXX XXXX XXXX Creditor : XXXX Dear Sir or Madam, I am writing to file a formal consumer complaint regarding XXXX  credit card services for unethical and inaccurate reporting of my account status and for failure in disclosing changes to my auto-payment setup, which led to fraudulent delinquency reporting to the credit bureaus. \n\nI was a customer of XXXX and had AutoPay enabled for my account since inception. In XX/XX/year>, XXXX arbitrarily and without notice disabled my AutoPay, which had been functioning correctly and paying my bill in full and on time. \n\nDespite this change, the company never informed me, and instead continued to charge monthly service fees. When I discovered this issue and contacted them, a customer service agent acknowledged their fault and assured me that it would not be reported as a delinquency. \n\nI immediately closed the account. However, upon reviewing my credit report, I have found that XXXX falsely reported my account as delinquent, which is factually incorrect and causing damage to my creditworthiness.","date_sent_to_company":"2025-05-26T06:27:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"043XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13725132","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-26T06:27:36.000Z","state":"ME","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Subject</em> : <em>Formal</em> <em>Complaint</em> <em>Against</em> XXXX Regarding Incorrect <em>Reporting</em> and <em>Deceptive</em> <em>Practices</em> Account Number : XXXX XXXXXXXX XXXX XXXX Creditor : XXXX Dear Sir or Madam, I am writing to file a <em>formal</em> consumer <em>complaint</em> regarding XXXX  credit card services for unethical and <em>inaccurate</em> <em>reporting</em> of my account status and for failure in disclosing changes to my auto-payment setup, which led to fraudulent delinquency <em>reporting</em> to the credit bureaus."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[20.717958,"13725132"]},{"_index":"complaint-public-v1","_id":"13716105","_score":20.717958,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against XXXX Regarding Incorrect Reporting and Deceptive Practices Account Number : XXXX XXXXXXXX XXXX XXXX  Creditor : XXXX Dear Sir or Madam, I am writing to file a formal consumer complaint regarding XXXX  credit card services for unethical and inaccurate reporting of my account status and for failure in disclosing changes to my auto-payment setup, which led to fraudulent delinquency reporting to the credit bureaus. \n\nI was a customer of XXXX and had AutoPay enabled for my account since inception. In XX/XX/year>, XXXX arbitrarily and without notice disabled my AutoPay, which had been functioning correctly and paying my bill in full and on time.\n\nDespite this change, the company never informed me, and instead continued to charge monthly service fees. When I discovered this issue and contacted them, a customer service agent acknowledged their fault and assured me that it would not be reported as a delinquency. \n\nI immediately closed the account. However, upon reviewing my credit report, I have found that XXXX  falsely reported my account as delinquent, which is factually incorrect and causing damage to my creditworthiness.","date_sent_to_company":"2025-05-26T06:20:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"043XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13716105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-26T06:19:46.000Z","state":"ME","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Subject</em> : <em>Formal</em> <em>Complaint</em> <em>Against</em> XXXX Regarding Incorrect <em>Reporting</em> and <em>Deceptive</em> <em>Practices</em> Account Number : XXXX XXXXXXXX XXXX XXXX  Creditor : XXXX Dear Sir or Madam, I am writing to file a <em>formal</em> consumer <em>complaint</em> regarding XXXX  credit card services for unethical and <em>inaccurate</em> <em>reporting</em> of my account status and for failure in disclosing changes to my auto-payment setup, which led to fraudulent delinquency <em>reporting</em> to the credit bureaus."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[20.717958,"13716105"]},{"_index":"complaint-public-v1","_id":"7756006","_score":20.646492,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against XXXXPROSPER MARKETPLACE INC and XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXXPROSPER MARKETPLACE INC and XXXX XXXX XXXX regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been violated. \n\nOn XX/XX/, I discovered that XXXXPROSPER MARKETPLACE INC had sold my debt to XXXX XXXX XXXX and subsequently closed my credit card account. However, to my dismay, the same credit card company later reopened my account and resumed reporting the debt, which I find to be both unfair and deceptive. \n\nI am deeply concerned about the legality of these actions and how they have impacted my credit score and financial stability. I believe that XXXX XXXX XXXX XXXX have violated the FDCPA by engaging in practices that are deceptive, unfair, and abusive. Furthermore, XXXXPROSPER MARKETPLACE INC may have violated the FCRA by inaccurately reporting my debt after reopening the account. \n\nI kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX violations are found. I have attached relevant documents, including statements, correspondence, and any proof of the aforementioned actions, to assist in your investigation. \n\nIn addition to the aforementioned concerns, I am seeking both actual damages ( {$1000.00} according to FCRA ) to compensate for the financial losses and harm caused by the unfair and deceptive practices of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX well as punitive damages of {$10000.00}. Punitive damages are being pursued to hold the parties accountable for their actions and to deter them from engaging in similar practices in the future. These damages are essential to ensuring a fair resolution and to serve as a deterrent against any potential misconduct by the involved entities. \n\nI appreciate your attention to this matter and thank you in advance for your prompt action. Please feel free to contact me if you require any additional information. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-10-25T06:12:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29150","tags":"Servicemember","has_narrative":true,"complaint_id":"7756006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Prosper Marketplace, Inc.","date_received":"2023-10-25T05:53:09.000Z","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":["<em>Subject</em> : <em>Complaint</em> <em>Against</em> XXXXPROSPER MARKETPLACE INC and XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a <em>formal</em> <em>complaint</em> <em>against</em> XXXXPROSPER MARKETPLACE INC and XXXX XXXX XXXX regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection <em>Practices</em> Act ( FDCPA ) and the Fair Credit <em>Reporting</em> Act ( FCRA ) have been violated."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[20.646492,"7756006"]},{"_index":"complaint-public-v1","_id":"14121843","_score":20.634989,"_source":{"product":"Student loan","complaint_what_happened":"Consumer Financial Protection Bureau P.O. Box 27170 Washington, D.C. 20038 Subject : Formal Complaint and Dispute Regarding MOHELAs Handling of My Student Loan Account To Whom It May Concern, I am writing to file a formal complaint and dispute with the Consumer Financial Protection Bureau ( CFPB ) concerning the Missouri Higher Education Loan Authority ( MOHELA ) and their handling of my federal student loan account. \n\nI believe MOHELA has engaged in deceptive and unlawful practices consistent with the allegations presented in a recent lawsuit against them. Specifically, I have experienced the following issues : Interest Charges During Forbearance : My loans were placed in a forbearance status, during which time interest was still improperly accruing. I was led to believe interest would be paused, yet my balance increased without explanation. \n\nInaccurate Loan Balance Reporting : MOHELA has reported inaccurate balances that do not align with the payments I have made or the periods of deferment/forbearance. These errors raise serious concerns about the integrity of their loan servicing and accounting practices. \n\nLack of Transparency and Communication : Despite numerous attempts to receive clarification, MOHELA has failed to provide accurate or timely responses. The account statements lack clarity, and I have not received adequate justification for the balance discrepancies or interest accrual. \n\nGiven that MOHELA is currently involved in legal action regarding similar issues affecting other borrowers, I am deeply concerned that I am a victim of these systemic misrepresentations. I request the CFPB to : Investigate MOHELAs servicing practices with respect to my account.\n\nRequire MOHELA to provide a detailed, itemized breakdown of all charges, payments, and interest accrual. \n\nCorrect any inaccuracies in my loan balance and reverse improper interest charges. \n\nHold MOHELA accountable for any confirmed deceptive or illegal servicing conduct.","date_sent_to_company":"2025-06-17T19:38:20.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"32068","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14121843","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-06-17T19:30:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Box 27170 Washington, D.C. 20038 <em>Subject</em> : <em>Formal</em> <em>Complaint</em> and Dispute Regarding MOHELAs Handling of My Student Loan Account To Whom It May Concern, I am writing to file a <em>formal</em> <em>complaint</em> and dispute with the Consumer Financial Protection Bureau ( CFPB ) concerning the Missouri Higher Education Loan Authority ( MOHELA ) and their handling of my federal student loan account."]},"sort":[20.634989,"14121843"]},{"_index":"complaint-public-v1","_id":"7756136","_score":20.592773,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against XXXX XXXX XXXX and LVNV FUNDING LLC Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX and LVNV FUNDING LLC regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been violated. \n\nOn XX/XX/2023, I discovered that XXXX XXXX XXXX had sold my debt to LVNV FUNDING LLC and subsequently closed my credit card account. However, to my dismay, the same credit card company later reopened my account and resumed reporting the debt, which I find to be both unfair and deceptive. \n\nI am deeply concerned about the legality of these actions and how they have impacted my credit score and financial stability. I believe that LVNV FUNDING LLC may have violated the FDCPA by engaging in practices that are deceptive, unfair, and abusive. Furthermore, XXXX XXXX XXXX may have violated the FCRA by inaccurately reporting my debt after reopening the account. \n\nI kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against both XXXX XXXX XXXX and LVNV FUNDING LLC if any violations are found. I have attached relevant documents, including statements, correspondence, and any proof of the aforementioned actions, to assist in your investigation. \n\nIn addition to the aforementioned concerns, I am seeking both actual damages ( {$1000.00} according to FCRA ) to compensate for the financial losses and harm caused by the unfair and deceptive practices of XXXX XXXX XXXX and LVNV FUNDING LLC , as well as punitive damages of {$10000.00}. Punitive damages are being pursued to hold the parties accountable for their actions and to deter them from engaging in similar practices in the future. These damages are essential to ensuring a fair resolution and to serve as a deterrent against any potential misconduct by the involved entities. \n\nI appreciate your attention to this matter and thank you in advance for your prompt action. Please feel free to contact me if you require any additional information. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-10-25T06:12:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29150","tags":"Servicemember","has_narrative":true,"complaint_id":"7756136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-10-25T06:12:13.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Subject</em> : <em>Complaint</em> <em>Against</em> XXXX XXXX XXXX and LVNV FUNDING LLC Dear XXXX, I am writing to file a <em>formal</em> <em>complaint</em> <em>against</em> XXXX XXXX XXXX and LVNV FUNDING LLC regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection <em>Practices</em> Act ( FDCPA ) and the Fair Credit <em>Reporting</em> Act ( FCRA ) have been violated. \n\nOn XX/XX/2023, I discovered that XXXX XXXX XXXX had sold my debt to LVNV FUNDING LLC and subsequently closed my credit card account."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[20.592773,"7756136"]},{"_index":"complaint-public-v1","_id":"14712115","_score":20.512125,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Bank of America Inaccurate Credit Reporting and Billing Statement Failure To Whom It May Concern, I am filing a formal complaint against Bank of America for inaccurate credit reporting, failure to provide billing statements, and the resulting harm caused to my credit. \n\nBank of America recently reported a 30-day late payment on a {$25.00} balance for my credit card something that I was unaware of due to their failure to send billing statements. I routinely check the BoA app and pay manually. I never received email statements and confirmed this issue in a phone conversation with a representative named XXXX, who acknowledged the problem and logged notes on my account. \n\nDespite my clean history and prompt dispute, this negative mark has remained creating undue harm and a drop in my credit score.\n\nThis incident violates several consumer protection statutes : FCRA 1681s-2 ( a ) : Prohibits the reporting of inaccurate information.\n\nFCRA 1681s-2 ( b ) : Requires furnishers to investigate and correct inaccuracies.\n\nFCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : If Bank of America can not verify the delinquency through documentation, the credit bureaus must delete it.\n\nUnder the Dodd-Frank Act, the CFPB prohibits Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). The failure to deliver billing notices, combined with negative credit reporting, may constitute a deceptive and harmful business practice.\n\nI request the CFPB : 1. Investigate this issue with Bank of America, including their failure to deliver billing statements.\n\n2. Require the deletion of the unverifiable 30-day late mark.\n\n3. Ensure compliance with FCRA and Dodd-Frank statutes to prevent future consumer harm.\n\nThank you for your help in correcting this injustice and protecting consumer rights.","date_sent_to_company":"2025-07-17T18:53:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11201","tags":null,"has_narrative":true,"complaint_id":"14712115","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-17T18:30:13.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Subject</em> : <em>Complaint</em> <em>Against</em> Bank of America <em>Inaccurate</em> Credit <em>Reporting</em> and Billing Statement Failure To Whom It May Concern, I am filing a <em>formal</em> <em>complaint</em> <em>against</em> Bank of America for <em>inaccurate</em> credit <em>reporting</em>, failure to provide billing statements, and the resulting harm caused to my credit. \n\nBank of America recently <em>reported</em> a 30-day late payment on a {$25.00} balance for my credit card something that I was unaware of due to their failure to send billing statements."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[20.512125,"14712115"]},{"_index":"complaint-public-v1","_id":"21762080","_score":20.281616,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against Fair Collections & Outsourcing ( FCO ) regarding a collection account they are reporting on behalf of Invitation Homes, which I dispute as inaccurate and invalid. This alleged debt stems from Invitation Homes improper withholding of my security deposit and charges tied to documented deceptive practices that have been subject to enforcement action by the Federal Trade Commission, and I have provided supporting documentation including a class action lawsuit and FTC-related settlement materials. Despite this, FCO continues to report and attempt to collect the debt. I formally disputed the account and requested proper validation, including a current itemized breakdown and proof that the balance is not derived from unlawful charges ; however, FCO relied solely on the creditors confirmation and documents allegedly sent in 2022, failed to conduct a reasonable investigation, and did not provide adequate, current validation or address the legitimacy of the underlying charges. They continue to report this account despite it being formally disputed and unverified, which I believe violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This account applies to both myself and my wife, as we share the same account number. I am requesting immediate deletion of this collection account from all credit reporting agencies, cessation of all collection activity, and written confirmation that the account has been removed and closed.","date_sent_to_company":"2026-04-30T19:44:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"33073","tags":null,"has_narrative":true,"complaint_id":"21762080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2026-04-30T19:32:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am filing a <em>complaint</em> <em>against</em> Fair Collections & Outsourcing ( FCO ) regarding a collection account they are <em>reporting</em> on behalf of Invitation Homes, which I dispute as <em>inaccurate</em> and invalid."]},"sort":[20.281616,"21762080"]},{"_index":"complaint-public-v1","_id":"11982473","_score":20.25345,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint & Urgent Dispute Violation of FCRA & Deceptive Reporting Practices by XXXX XXXX XXXX XXXX  and XXXX XXXX/XXXX  XXXX XXXX Credit Dear Consumer Financial Protection Bureau , I am filing this formal complaint and dispute against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX for fraudulent and deceptive reporting practices that are severely damaging my credit. These companies are inaccurately reporting a duplicate charge-off on my Experian credit report under Account XXXX : XXXX, despite this charge-off appearing only once on my XXXX and XXXX reports XXXX The charge-off details are as follows : XXXX XXXX XXXX  XXXX  : Balance of {$XXXX}, XXXX XXXX/XXXX Line of Credit : Balance of {$XXXX} I have attempted to resolve this matter directly with the companies, only to be met with contradictory and misleading responses. One company claims it is not responsible for addressing my dispute, yet I continue to receive unsolicited emails from the same company attempting to contact me regarding this account. This blatant deception not only calls into question the legitimacy of their reporting but also violates federal consumer protection laws. \n\nViolations of Federal Law & Immediate Removal Request 1. Fair Credit Reporting Act ( FCRA ) Violations ( 623, 15 U.S.C. 1681s-2 ) The law explicitly prohibits furnishers from reporting inaccurate, misleading, or duplicate information.\n\nReporting the same charge-off twice under different names is a clear violation of this law. \nFailure to properly investigate or correct this issue subjects these entities to legal action and statutory damages. \n2. Experians Current Legal Issues & Pattern of Misconduct Experian is already facing lawsuits for failing to uphold its duty to maintain accurate consumer credit reports.\n\nTheir reckless reporting and failure to investigate disputes is part of an ongoing pattern of negligence.\n\nI demand immediate deletion of this duplicate entry to prevent further legal repercussions.\n\nCFPB Action Requested I am demanding immediate intervention from the CFPB to : Investigate this fraudulent duplicate reporting and hold Experian accountable for failing to correct it. \nCompel Experian to immediately remove this duplicate charge-off from my report, as required by federal law. \nTake action against XXXX XXXX XXXX XXXX  and XXXX Bank for deceptive, inconsistent, and misleading communication regarding my dispute. \nImpose penalties on all responsible parties for violating the FCRA and causing financial harm. \n\nThis malicious and deceptive reporting is destroying my creditworthiness, and I will not hesitate to escalate this matter further if Experian, the reporting companies, or the CFPB fail to act in accordance with federal law. \n\nI am attaching evidence of the duplicate reporting, email correspondence proving contradictory communication, and Experians record of legal issues as supporting documentation. I expect an immediate response and resolution within the legally required XXXX timeframe, per the Fair Credit Reporting Act. \n\nFailure to act on this complaint will leave me with no choice but to pursue legal action against all responsible parties. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-07T20:09:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30315","tags":null,"has_narrative":true,"complaint_id":"11982473","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-07T20:08:42.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX  XXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> & Urgent Dispute Violation of FCRA & <em>Deceptive</em> <em>Reporting</em> <em>Practices</em> by XXXX XXXX XXXX XXXX  and XXXX XXXX/XXXX  XXXX XXXX Credit Dear Consumer Financial Protection Bureau , I am filing this <em>formal</em> <em>complaint</em> and dispute <em>against</em> XXXX XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX for fraudulent and <em>deceptive</em> <em>reporting</em> <em>practices</em> that are severely damaging my credit."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[20.25345,"11982473"]},{"_index":"complaint-public-v1","_id":"11990661","_score":20.234121,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint & Urgent Dispute Violation of FCRA & Deceptive Reporting Practices by XXXX XXXX XXXX XXXX  and XXXX XXXX/XXXX  XXXX XXXX Credit Dear Consumer Financial Protection Bureau , I am filing this formal complaint and dispute against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX for fraudulent and deceptive reporting practices that are severely damaging my credit. These companies are inaccurately reporting a duplicate charge-off on my Experian credit report under Account XXXX : XXXX, despite this charge-off appearing only once on my XXXX and XXXX reports XXXX The charge-off details are as follows : XXXX XXXX XXXX  XXXX  : Balance of {$XXXX}, XXXX XXXX/XXXX Line of Credit : Balance of {$XXXX} I have attempted to resolve this matter directly with the companies, only to be met with contradictory and misleading responses. One company claims it is not responsible for addressing my dispute, yet I continue to receive unsolicited emails from the same company attempting to contact me regarding this account. This blatant deception not only calls into question the legitimacy of their reporting but also violates federal consumer protection laws. \n\nViolations of Federal Law & Immediate Removal Request 1. Fair Credit Reporting Act ( FCRA ) Violations ( 623, 15 U.S.C. 1681s-2 ) The law explicitly prohibits furnishers from reporting inaccurate, misleading, or duplicate information.\n\nReporting the same charge-off twice under different names is a clear violation of this law. \nFailure to properly investigate or correct this issue subjects these entities to legal action and statutory damages. \n2. Experians Current Legal Issues & Pattern of Misconduct Experian is already facing lawsuits for failing to uphold its duty to maintain accurate consumer credit reports.\n\nTheir reckless reporting and failure to investigate disputes is part of an ongoing pattern of negligence.\n\nI demand immediate deletion of this duplicate entry to prevent further legal repercussions.\n\nCFPB Action Requested I am demanding immediate intervention from the CFPB to : Investigate this fraudulent duplicate reporting and hold Experian accountable for failing to correct it. \nCompel Experian to immediately remove this duplicate charge-off from my report, as required by federal law. \nTake action against XXXX XXXX XXXX XXXX  and XXXX Bank for deceptive, inconsistent, and misleading communication regarding my dispute. \nImpose penalties on all responsible parties for violating the FCRA and causing financial harm. \n\nThis malicious and deceptive reporting is destroying my creditworthiness, and I will not hesitate to escalate this matter further if Experian, the reporting companies, or the CFPB fail to act in accordance with federal law. \n\nI am attaching evidence of the duplicate reporting, email correspondence proving contradictory communication, and Experians record of legal issues as supporting documentation. I expect an immediate response and resolution within the legally required XXXX timeframe, per the Fair Credit Reporting Act. \n\nFailure to act on this complaint will leave me with no choice but to pursue legal action against all responsible parties. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-07T20:09:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30315","tags":null,"has_narrative":true,"complaint_id":"11990661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-07T19:33:37.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX  XXXX <em>Subject</em> : <em>Formal</em> <em>Complaint</em> & Urgent Dispute Violation of FCRA & <em>Deceptive</em> <em>Reporting</em> <em>Practices</em> by XXXX XXXX XXXX XXXX  and XXXX XXXX/XXXX  XXXX XXXX Credit Dear Consumer Financial Protection Bureau , I am filing this <em>formal</em> <em>complaint</em> and dispute <em>against</em> XXXX XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX for fraudulent and <em>deceptive</em> <em>reporting</em> <em>practices</em> that are severely damaging my credit."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[20.234121,"11990661"]},{"_index":"complaint-public-v1","_id":"13704068","_score":20.17162,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Credit Card Company Inaccurate Reporting, Misapplied Payments, Deceptive Practices, and Request for Account Deletion Complaint Summary : Last Spoke with Chase Credit Card services XXXX I am filing a formal complaint against Chase Slate Edge Credit Card for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ). I enrolled in a structured monthly payment program to pay off my balance XX/XX/24 and since then enrolling in my program I have had persistent issues with the card company in regards to my account and have made several calls to get issues resolved and escalations done with no resolutions. Since then, my account has been closed and subjected to mishandling, misreporting, and numerous billing inaccuracies. I am now requesting that this account be deleted in its entirety and that I no longer be held liable for any outstanding balance due to the companys misconduct and mishandling of my payments. \n\nSpecific Issues : 1. Inaccurate Credit Reporting ( FCRA Violation ) The company inaccurately reported me as being more than 30 days late on my payments, despite my ongoing participation in the payment program and making payments consistently. This is a violation of my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of inaccurate information to credit bureaus.\n\n2. False Charges and Balance Manipulation In XXXX, the company claimed that two payments of {$78.00} were returned, resulting in an additional {$150.00} being added to my balance. This is incorrect. My actual balance at that time was {$54.00}, and I made a {$60.00} payment ( which included an additional {$6.00} to account for a prior miscommunication by a representative ). I made my XXXX payment in XXXX and also made my XXXX payment on time. These payments are documented. There is no justification for the {$150.00} charge. \n3. Representative Error and Deceptive Handling of Program When I first enrolled in the program, I was told I missed a {$6.00} payment. This was not due to my error but the result of incorrect information provided by a representative. I was never properly notified or given the opportunity to correct this before it was held against me.\n\n4. Inaccurate Account Balance ( TILA Violation ) My current statement balance is inaccurate and inflated. Despite multiple calls to customer service to resolve this, no correction has been made. This is a likely violation of the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), which mandates that consumers receive accurate and understandable billing statements.\n\n5. Unfair and Deceptive Conduct ( UDAAP / FDCPA ) The ongoing misreporting, refusal to fix obvious billing errors, and poor handling of my repayment plan constitute unfair and deceptive practices under UDAAP, and possibly the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), if the company is acting as a debt collector.","date_sent_to_company":"2025-05-25T19:19:37.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"48237","tags":null,"has_narrative":true,"complaint_id":"13704068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-05-25T18:52:18.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Credit Card Company <em>Inaccurate</em> <em>Reporting</em>, Misapplied Payments, <em>Deceptive</em> <em>Practices</em>, and Request for Account Deletion <em>Complaint</em> Summary : Last Spoke with Chase Credit Card services XXXX I am filing a <em>formal</em> <em>complaint</em> <em>against</em> Chase Slate Edge Credit Card for multiple violations of the Fair Credit <em>Reporting</em> Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Debt Collection <em>Practices</em> Act ( FDCPA )."]},"sort":[20.17162,"13704068"]},{"_index":"complaint-public-v1","_id":"11705938","_score":20.036203,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am filing this formal complaint against TransUnion for egregiously misclassifying my employment status on my credit report as \" Disability. '' This erroneous and discriminatory reporting has directly led to financial harm, loan denials, and reputational damage.\n\nBackground Upon reviewing my credit report, I was appalled to discover that TransUnion inaccurately lists my employment status as \" Disability. '' This classification is not only false but also an unjustified disclosure that segregates me based on an unverified and inappropriate status. I am not currently on disability, nor do I receive any disability benefits, such as SSI.\n\nThis reporting has no basis in fact and raises serious concerns about violations of federal laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 : This act mandates that consumer reporting agencies ensure the accuracy and integrity of information reported. XXXX failure to verify or update my employment information violates this obligation. \n\n\n2. Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691 : The discriminatory nature of this classification has resulted in loan denials, creating barriers to credit access based on a false status, which is a form of prohibited discrimination. \n\n\nXXXX. Unfair and Deceptive Practices : The misclassification constitutes a deceptive practice that damages my credibility and unfairly subjects me to discrimination in financial decision-making.","date_sent_to_company":"2025-01-23T11:24:24.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"956XX","tags":null,"has_narrative":true,"complaint_id":"11705938","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-23T09:58:23.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Unfair and <em>Deceptive</em> <em>Practices</em> : The misclassification constitutes a <em>deceptive</em> <em>practice</em> that damages my credibility and unfairly <em>subjects</em> me to discrimination in financial decision-making."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Other personal consumer <em>report</em>"]},"sort":[20.036203,"11705938"]},{"_index":"complaint-public-v1","_id":"12021381","_score":20.01786,"_source":{"product":"Debt collection","complaint_what_happened":"Formal Complaint Against Specialized Collection Systems , Inc. ( SCS ) for Violations of FDCPA, FCRA, Texas Finance Code, and Texas Deceptive Trade Practices Act Complainant : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX Phone : XXXX To : XXXX XXXX XXXX, CFPB, and Texas Attorney Generals Consumer Protection Division To : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX, XX/XX/XXXX D.C. XXXX Texas Attorney Generals Consumer Protection Division, XXXX XXXX XXXX, XXXX, TX XXXX Subject : Complaint Against Specialized Collection Systems , Inc. for FDCPA, FCRA, Texas Finance Code & Deceptive Trade Practices Act Violations I am submitting this formal complaint against Specialized Collection Systems , Inc. ( SCS ) for multiple violations of federal and state consumer protection laws regarding unlawful debt collection and credit reporting practices. Violations Identified : 1. Inaccurate Credit Reporting ( Violation of FCRA 1681s-2 & 1681e ( b ) ) Failure to mark the debt as disputed, violating FCRA 1681s-2 ( a ) ( 3 ). Furnishing inaccurate information to XXXX, violating FCRA 1681e ( b ), which mandates maximum possible accuracy in reporting. Failure to disclose full consumer file upon request, potentially violating FCRA 1681g ( a ) ( 1 ). 2. Unlawful Debt Collection Practices ( Violation of FDCPA ) Failure to validate debt under FDCPA 1692g. False and misleading statements under FDCPA 1692e. Unfair and deceptive practices under FDCPA 1692f. 3. Violations of Texas State Laws ( Texas Finance Code & DTPA ) Failure to be properly licensed and bonded in Texas ( Texas Finance Code 392.101 ). Deceptive trade practices, including misrepresenting debt validation procedures ( DTPA 17.46 ( b ) ( 12 ) & 17.46 ( b ) ( 24 ) ). Unconscionable collection activities under DTPA 17.50 ( a ) ( 3 ). 4. Pattern of Consumer Complaints and Legal Actions Against SCS Specialized Collection Systems , Inc. has a history of consumer complaints and multiple lawsuits filed against them, which demonstrate a pattern of deceptive, misleading, and unlawful debt collection practices : Date Filed Case Name Plaintiff Court Cause of Action XX/XX/XXXX v. Specialized Collection System, Inc. XX/XX/XXXXXX/XX/XXXXFair Debt Collection ActXX/XX/XXXX v. Specialized Collection Systems XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Federal QuestionXX/XX/XXXX XX/XX/XXXXv. Specialized Collection Systems, LLCXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXFair Debt Collection ActXX/XX/XXXX v.XX/XX/XXXX Information Services , LLC et alXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Fair Credit Reporting Act XX/XX/XXXX v. Specialized Collection Systems Inc XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX v. Specialized Collection Systems , Inc. XX/XX/XXXXXX/XX/XXXX5XX/XX/XXXX XX/XX/XXXX v. Specialized Collection Systems, Inc. XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX v. XX/XX/XXXX LLC et al XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXv. Specialized Collection Systems , Inc.XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXair Debt Collection AcXX/XX/XXXX v. Specialized Collection Systems, Inc. et al XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXContract This pattern of litigation and complaints suggests a systemic issue within SCSs debt collection and reporting practices, further demonstrating the need for regulatory intervention. Supporting Documents Attached : Copy of my debt validation request sent on XX/XX/XXXX. Certified mail receipt confirming delivery on XX/XX/XXXX. Copy of SCSs generic response, failing to provide proper validation. XXXX credit report showing disputed accounts inaccurately reported. Documentation of previous consumer complaints and lawsuits against SCS. Requested Actions : XXXX : Immediately delete the inaccurate accounts from my credit report. CFPB : Conduct a full investigation into SCSs debt collection and reporting practices and impose penalties. Texas Attorney General : Investigate SCS for violations of Texas Finance Code and DTPA, and take enforcement action. I urge each agency to take swift action in enforcing the relevant laws and protecting consumers from unlawful debt collection and credit reporting practices. Sincerely, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX","date_sent_to_company":"2025-02-10T15:00:10.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"12021381","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Collection Systems, Inc.","date_received":"2025-02-10T14:47:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX Texas Attorney Generals Consumer Protection Division, XXXX XXXX XXXX, XXXX, TX XXXX <em>Subject</em> : <em>Complaint</em> <em>Against</em> Specialized Collection Systems , Inc. for FDCPA, FCRA, Texas Finance Code & <em>Deceptive</em> Trade <em>Practices</em> Act Violations I am submitting this <em>formal</em> <em>complaint</em> <em>against</em> Specialized Collection Systems , Inc. ( SCS ) for multiple violations of federal and state consumer protection laws regarding unlawful debt collection and credit <em>reporting</em> <em>practices</em>. Violations Identified : 1."]},"sort":[20.01786,"12021381"]},{"_index":"complaint-public-v1","_id":"11999899","_score":19.987072,"_source":{"product":"Debt collection","complaint_what_happened":"Formal Complaint Against Specialized Collection Systems , Inc. ( SCS ) for Violations of FDCPA, FCRA, Texas Finance Code, and Texas Deceptive Trade Practices Act Complainant : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX Phone : XXXX To : XXXX XXXX XXXX, CFPB, and Texas Attorney Generals Consumer Protection Division To : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Texas Attorney Generals Consumer Protection Division, XXXX XXXX XXXX, XXXX, TX XXXX Subject : Complaint Against Specialized Collection Systems , Inc. for FDCPA, FCRA, Texas Finance Code & Deceptive Trade Practices Act Violations I am submitting this formal complaint against Specialized Collection Systems , Inc. ( SCS ) for multiple violations of federal and state consumer protection laws regarding unlawful debt collection and credit reporting practices. \n\nViolations Identified : 1. Inaccurate Credit Reporting ( Violation of FCRA 1681s-2 & 1681e ( b ) ) Failure to mark the debt as disputed, violating FCRA 1681s-2 ( a ) ( 3 ). \n\nFurnishing inaccurate information to XXXX, violating FCRA 1681e ( b ), which mandates maximum possible accuracy in reporting.\n\nFailure to disclose full consumer file upon request, potentially violating FCRA 1681g ( a ) ( 1 ).\n\n2. Unlawful Debt Collection Practices ( Violation of FDCPA ) Failure to validate debt under FDCPA 1692g.\n\nFalse and misleading statements under FDCPA 1692e.\n\nUnfair and deceptive practices under FDCPA 1692f.\n\n3. Violations of Texas State Laws ( Texas Finance Code & DTPA ) Failure to be properly licensed and bonded in Texas ( Texas Finance Code 392.101 ). \n\nDeceptive trade practices, including misrepresenting debt validation procedures ( DTPA 17.46 ( b ) ( 12 ) & 17.46 ( b ) ( 24 ) ).\n\nUnconscionable collection activities under DTPA 17.50 ( a ) ( 3 ). \n\n4. Pattern of Consumer Complaints and Legal Actions Against SCS Specialized Collection Systems , Inc. has a history of consumer complaints and multiple lawsuits filed against them, which demonstrate a pattern of deceptive, misleading, and unlawful debt collection practices : Date Filed Case Name Plaintiff Court Cause of Action XX/XX/XXXX XXXX XXXX Specialized Collection System, Inc. XXXX XXXX XXXX XXXX Fair Debt Collection Act XX/XX/XXXX XXXX XXXX Specialized Collection Systems XXXX XXXX XXXX XXXX Federal Question XX/XX/XXXX XXXX XXXX Specialized Collection Systems, LLC XXXX XXXX XXXX XXXX Fair Debt Collection Act XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX Fair Credit Reporting Act XX/XX/XXXX XXXX XXXX Specialized Collection Systems Inc XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Specialized Collection Systems , Inc. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Specialized Collection Systems, Inc. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Specialized Collection Systems XXXX Inc. XXXX XXXX XXXX XXXX Fair Debt Collection Act XX/XX/XXXX XXXX XXXX Specialized Collection Systems, Inc. et al XXXX XXXX XXXX XXXX XXXX XXXX This pattern of litigation and complaints suggests a systemic issue within SCSs debt collection and reporting practices, further demonstrating the need for regulatory intervention. \n\nSupporting Documents Attached : Copy of my debt validation request sent on XX/XX/XXXX. \n\nCertified mail receipt confirming delivery on XX/XX/XXXX. \n\nXXXX of SCSs generic response, failing to provide proper validation. \n\nXXXX credit report showing disputed accounts inaccurately reported. \n\nDocumentation of previous consumer complaints and lawsuits against SCS. \n\nRequested Actions : XXXX : Immediately delete the inaccurate accounts from my credit report. \n\nCFPB : Conduct a full investigation into SCSs debt collection and reporting practices and impose penalties. \n\nTexas Attorney General : Investigate SCS for violations of Texas Finance Code and DTPA, and take enforcement action. \n\nI urge each agency to take swift action in enforcing the relevant laws and protecting consumers from unlawful debt collection and credit reporting practices. \n\nSincerely, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX","date_sent_to_company":"2025-02-08T10:05:06.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"11999899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Collection Systems, Inc.","date_received":"2025-02-08T09:54:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Generals Consumer Protection Division, XXXX XXXX XXXX, XXXX, TX XXXX <em>Subject</em> : <em>Complaint</em> <em>Against</em> Specialized Collection Systems , Inc. for FDCPA, FCRA, Texas Finance Code & <em>Deceptive</em> Trade <em>Practices</em> Act Violations I am submitting this <em>formal</em> <em>complaint</em> <em>against</em> Specialized Collection Systems , Inc. 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