{"took":345,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1853,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2480050","_score":19.082932,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted equifax in   XX/XX/XXXX   in regards to   XXXX   XXXX   XXXX   XXXX    and their deceptive tactics, practices, and acts which violates the laws of the federal trade commissions of fair debt collection practices acts of which debt collections agencies have to comply with in the united states.       XXXX   XXXX   XXXX   XXXX   have  XXXX  accounts reporting for the amounts of  XXXX ,  XXXX ,  XXXX  of the hospital   XXXX   XXXX   XXXX   XXXX    reporting from the following dates of   XX/XX/XXXX   on all  XXXX  amounts.     There w as  XXXX  in surance policies to cover medical expenses due too the vehicle crashes of which in both instances i was the victim not the driver of either vehicle in both crashes.     The hospital failed to correctly bill the insurances of both drivers in   XXXX  differenent vehicle crashes along with the  XXXX  insurance grants from the progra m called  XXXX  which is an acronym for   XXXX   XXXX   XXXX   XXXX  . My attorney was contacted directly in regards to all medical bills and the attorneys complied with federal laws but not   XXXX   XXXX   XXXX   XXXX  .     The Account   XXXX   XXXX   XXXX   XXXX   is based in florida last known address is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   florida  XXXX  last known phone number is  XXXX . Their deceptive acts and practices are mind blowing and staggering as a junk debt collector which is evasive and deceptive in its communications, tactics, and acts which is why i am reporting them to the federal trade commission in order to have their license taken to do business under any other name or structure financially within the united states.","date_sent_to_company":"2017-05-09T19:37:34.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"2480050","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-05-09T19:13:53.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Their <em>deceptive</em> acts and <em>practices</em> are mind blowing and staggering as a junk debt collector which is evasive and <em>deceptive</em> in its communications, tactics, and acts which is why i am reporting them to the federal <em>trade</em> commission in order to have their license taken to do business <em>under</em> any other name or structure financially within the united states."]},"sort":[19.082932,"2480050"]},{"_index":"complaint-public-v1","_id":"15212866","_score":18.502394,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am submitting this formal complaint under the Texas Deceptive Trade Practices Act ( DTPA ) regarding fraudulent, deceptive, and coordinated actions between XXXX XXXX Toyota, XXXX XXXX XXXX, XXXX, TX XXXX, and Toyota Financial Services. 1. Fraudulent Credit Application At the time of purchase, XXXX XXXX Toyota submitted a credit application containing information I did not authorize or provide. I later signed documents I believed matched our agreed terms - however, Toyota Financial Services has relied on a different, altered version of that application, prepared without my consent. This constitutes a violation of Texas Finance Code and the Truth in Lending Act for falsifying application data. 2. Coordinated \" Blame-Shifting '' Between Dealer and Finance Company XXXX XXXX Toyota claims Toyota Financial Services is responsible for the contract errors. Toyota Financial Services claims the dealership is responsible. This is a deliberate tactic to prevent resolution while both parties profit from the transaction. The conduct is consistent with coordinated and organized deceptive trade practices under the DTPA. 3. Refusal to Acknowledge Transfer to Trust The vehicle account was formally transferred to the XXXX XXXX XXXX XXXX, with proper documentation. Toyota Financial Services refuses to update its records to reflect the XXXX as the legal and equitable holder, impairing my rights as Trustee and violating notice requirements for transfer/assignment. 4. Refusal to Provide Full Ledger and CUSIP Report Both XXXX XXXX Toyota and Toyota Financial Services have refused to produce the full transaction ledger and the CUSIP report tied to this account. The CUSIP association indicates securitization and trading of the account without my consent or knowledge, raising potential violations of UCC Article 9, the Securities Act of 1933, and consumer finance regulations. 5.\n\nAdditional Irregularities- Missing amounts and signatures on the GAP waiver agreement. - Incomplete or missing sales packet documentation despite repeated requests. - Possible misrepresentation of vehicle price and financing terms at sale. XXXX XXXX XXXX Toyota and Toyota Financial Services appear to be working in coordination while presenting themselves as separate entities, using a pattern of blame-shifting to evade accountability. This conduct should be investigated as organized consumer fraud under the Texas Deceptive Trade Practices Act, Texas Finance Code, and applicable federal laws. I request that the Attorney General 's Consumer Protection Division : - Investigate the above violations. - Require both parties to produce all documents, ledgers, and reports connected to this transaction. - Pursue restitution and all other remedies allowed by law. Attached are copies of relevant contracts, correspondence, and evidence supporting","date_sent_to_company":"2025-08-11T15:17:56.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"77026","tags":null,"has_narrative":true,"complaint_id":"15212866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2025-08-11T15:10:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["This is a deliberate tactic to prevent resolution while <em>both</em> parties profit from the transaction. The conduct is consistent with coordinated and organized <em>deceptive</em> <em>trade</em> <em>practices</em> <em>under</em> the DTPA. 3. Refusal to Acknowledge Transfer to Trust The vehicle account was formally transferred to the XXXX XXXX XXXX XXXX, with proper documentation."]},"sort":[18.502394,"15212866"]},{"_index":"complaint-public-v1","_id":"13772170","_score":18.432482,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XXXX XXXX, 2025, I used Crypto.com to withdraw {$100.00} USD worth of Bitcoin ( BTC ). After the transaction, I discovered that only {$55.00} USD worth of BTC was actually sent. The remaining {$45.00} USD was deducted and labeled as a network fee.\n\nHowever, the actual blockchain miner fee recorded on the Bitcoin network was just {$1.00}. This means that Crypto.com withheld more than {$43.00} USD of my funds without proper disclosure or justification.\n\nNo clear warning, itemized breakdown, or consent request was provided before confirming the transaction. The label network fee falsely implied that the full amount was charged by the blockchain network. When I raised this issue, Crypto.com refused to refund the difference or acknowledge the misleading nature of the deduction.\n\nWhy this is a problem : This is not a policy dispute it is a deceptive and unfair business practice, and constitutes violations of both federal and state consumer protection laws : South Carolina Unfair Trade Practices Act ( S.C. Code 39-5-10 et seq. ), which prohibits businesses from using unfair or deceptive acts in trade or commerce ; Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), which prohibits unfair or deceptive acts or practices affecting interstate commerce.\n\nCrypto.coms actions meet the legal definition of deception they failed to disclose a material fee, misrepresented its nature, and retained funds under misleading pretenses. These practices are capable of deceiving consumers, even if not every user is misled.","date_sent_to_company":"2025-05-28T16:40:19.000Z","issue":"Unexpected or other fees","sub_product":"Virtual currency","zip_code":"29108","tags":null,"has_narrative":true,"complaint_id":"13772170","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Foris DAX, Inc.","date_received":"2025-05-28T16:18:21.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Why this is a problem : This is not a policy dispute it is a <em>deceptive</em> and unfair business <em>practice</em>, and constitutes violations of <em>both</em> federal and state consumer protection laws : South Carolina Unfair <em>Trade</em> <em>Practices</em> Act ( S.C. Code 39-5-10 et seq. ), which prohibits businesses from using unfair or <em>deceptive</em> acts in <em>trade</em> or commerce ; Federal <em>Trade</em> Commission Act ( 15 U.S.C. 45 ( a ) ), which prohibits unfair or <em>deceptive</em> acts or <em>practices</em> affecting interstate commerce."]},"sort":[18.432482,"13772170"]},{"_index":"complaint-public-v1","_id":"16591181","_score":18.416666,"_source":{"product":"Debt collection","complaint_what_happened":"Formal Complaint Letter Harassment and Deceptive Collection Practices To Whom It May Concern : I am submitting this complaint because I believe I am being subjected to harassing and deceptive collection practices concerning an open loan account, not a charged-off debt. \nOn XX/XX/XXXX, I entered into a modified payment agreement to make automatic monthly payments of $ XXXX, due on the XXXX of each month. This agreement was confirmed, and payments were set up to occur automatically. \nDespite this, I continue to receive frequent calls, texts, and emails claiming I am past due. These contacts occur even after payments have been successfully processed, and sometimes immediately after I have already called or left a voicemail. The timing and frequency of these communications appear intended to annoy or harass and interfere with my ability to use my phone normally. \nAdditionally, I have been told that my payment is late after it has already been processed, and I continue to receive messages suggesting delinquency despite a valid agreement being in place. This behavior is misleading and deceptive and causes unnecessary confusion about my account status. \nBased on my understanding of state and federal law, these actions may violate both the Fair Debt Collection Practices Act ( FDCPA ) and Minnesota law, as follows : Relevant Legal Violations 1. Harassment or Repeated Calls Under 15 U.S.C. 1692d ( 5 ) and Regulation F ( 12 C.F.R. 1006.14 ), debt collectors may not cause a phone to ring repeatedly or continuously with the intent to annoy, abuse, or harass.\n\nMinnesota Statute 332.37 ( 12 ) also prohibits collection agencies from violating FDCPA provisions, and the Minnesota Attorney General explicitly bars harassing or excessive contact. \n\n\n2. False or Misleading Representations 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 10 ) prohibit misrepresenting the legal status of a debt or using any false or deceptive means in connection with its collection.\n\nMinnesota Statute 332.37 prohibits deceptive or misleading communications, including false claims that a payment is overdue when it is not. \n\n\n3. Unfair or Deceptive Practices 15 U.S.C. 1692f prohibits using unfair or unconscionable means to collect a debt, including disregarding agreed payment terms.\n\nMinnesota Statute 325D.44 ( Deceptive Trade Practices Act ) prohibits conduct that creates confusion or misunderstanding in consumer transactions. \n\n\nAdditionally, the Consumer Financial Protection Bureau ( CFPB ) prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) by creditors even when collecting their own open loans. \n\n\n\nSummary The continued calls, misleading communications, and disregard of my payment agreement are harassing, unfair, and deceptive under both federal and Minnesota law. \nI respectfully request that these communications cease immediately and that my account be updated to accurately reflect the modified agreement. \nBecause this behavior appears to violate both state and federal consumer protection laws, I am submitting this complaint to the Minnesota Attorney Generals Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ) for review and enforcement. \nThank you for your time and attention to this matter. \nFDCPA 15 U.S.C. 1692e Regulation F 12 C.F.R. 1006.14 Minn. Stat. 332.37 Prohibited Practices Minn. Stat. 325D.44 Deceptive Trade Practices Act CFPB UDAAP Overview Minnesota Attorney General Debt Collection Guidance","date_sent_to_company":"2025-10-16T00:32:56.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"55414","tags":"Servicemember","has_narrative":true,"complaint_id":"16591181","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LendingPoint Holdings LLC","date_received":"2025-10-16T00:16:03.000Z","state":"MN","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Stat. 325D.44 <em>Deceptive</em> <em>Trade</em> <em>Practices</em> Act CFPB UDAAP Overview Minnesota Attorney General Debt Collection Guidance"]},"sort":[18.416666,"16591181"]},{"_index":"complaint-public-v1","_id":"10601387","_score":18.355837,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to express my concerns regarding a recent interaction with a debt collector. I requested validation of the debt but did not receive a response. I have called several times and keep being told it is being \" worked on ''.\n\nUnder both the Fair Debt Collection Practices Act ( FDCPA ) and Florida 's Consumer Collection Practices Act ( FCCPA ), debt collectors are prohibited from misrepresenting the amount owed. Specifically, adding fees not included in the original contract constitutes misrepresentation. The FDCPA allows collectors to charge only those fees that are \" expressly authorized '' by the original agreement or permitted by law. If the original contract does not specify these additional charges, they can not be added later. \n\nFurthermore, the Florida Deceptive and Unfair Trade Practices Act protects consumers from unfair or deceptive practices, which includes imposing unexpected charges. \n\nNot only that but this item is list negativaly on my credit report twice. Please remove it.","date_sent_to_company":"2024-10-28T21:55:29.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"33069","tags":null,"has_narrative":true,"complaint_id":"10601387","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2024-10-28T21:27:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Furthermore, the Florida <em>Deceptive</em> and Unfair <em>Trade</em> <em>Practices</em> Act protects consumers from unfair or <em>deceptive</em> <em>practices</em>, which includes imposing unexpected charges. \n\nNot only that but this item is list negativaly on my credit report twice. Please remove it."]},"sort":[18.355837,"10601387"]},{"_index":"complaint-public-v1","_id":"6242897","_score":17.760801,"_source":{"product":"Debt collection","complaint_what_happened":"EXPERIAN LLC. VIOLATED FCRA BY NOT SENDING NOTIFICATIONS TO THE CONSUMER OF ANY IMPENDING ADVERSE, NEGATIVE ACTION IMPACTING THE CONSUMER 'S CREDIT REPORTS! SECONDLY, The Creditor AND PUBLISHER failed in that it did not conduct a reasonable investigation. Secondly the company did not accurately correct inaccurate information- nor because they caught to intimidate a consumer by not removing the disputed item under 15 U.S.C. 1681Ia [ 1.a ] by not removing or willful non compliance remove the negative and inaccurate information when EXPERIAN LLC . Was notified that the account information was under dispute via the CFPB PORTAL. notify when it DID NOT supplied the negative information. The Creditor also failed because they refused to notate my right to Dispute the ERRONEOUS negative information. The user must notify when it post negative information. This is defined as IMPERMISSIBLE PURPOSE. LASTLY it is also a Violation of the FCRA & FDCPA AS WELL AS THE FEDERAL TRADE COMMISSION VIOLATIONS to utilize \" DECEPTIVE TRADE PRACTICES TO CLAIMING AUTHORITY TO USE FEAR TACTICS TO LIE ABOUT THE CLAIM THAT THEY REPORTED TO IMPERSONATE THAT THE WERE \" ATTORNEYS '' IN VIOLATION FOR STATE & FEDERAL LAWS OF THE \" SURPRISES ACT. OF XX/XX/2021. FOR THESE VIOLATIONS OF FEDERAL & STATE LAWS THE CONSUMER IS GOING TO INFORM THE FEDERAL TRADE ADMINISTRATION AS WELL AS THE ATTORNEY GENERAL 'S OFFICE AS WELL AS THE BETTER BUSINESS BUREAU OF THESE VIOLATIONS OF LAW ENACTED BY THE BUREAU AND THE FURNISHER OF THE INFORMATION FOR. APPLIED DECEPTIVE & UNFAIR TRADE PRACTICES TO DECEIVE AND STRIKE FEAR INTO THE CONSUMER THROUGH IDENTITY THEFT AS WELL AS TO THE CONSUMER 'S CREDIT REPORTS WITH THE INTENT TO BOTH DECEIVE AND COLLECT NEGATIVE AND ERRONEOUS INFORMATION WITHOUT WRITTEN CONSENT OR A CONTRACT. \" NOW THAT YOU UNDERSTAND YOUR ERRONEOUS, NEGATIVE, INCORRECT AS WELL AS INCOMPLETE VIOLATIONS OF FEDERAL LAW, WITHOUT ANY WRITTEN PERMISSION OR WRITTEN CONSENT BEFOREHAND OR WITHOUT THE CONSUMER 'S CONSENT BEFORE STANDING ON MY PRIVATE - FROZEN CONSUMER REPORTS!! - Now that you know THIS - DELETE IMMEDIATELY THESE VIOLATIONS! The CONSUMER will inform the FEDERAL TRADE COMMISSION OF THE PARTIES DECEPTIVE TRADE VIOLATIONS AT ONCE!","date_sent_to_company":"2022-11-26T09:20:48.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6242897","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-26T07:58:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["The CONSUMER will inform the FEDERAL <em>TRADE</em> COMMISSION OF THE PARTIES <em>DECEPTIVE</em> <em>TRADE</em> VIOLATIONS AT ONCE!"]},"sort":[17.760801,"6242897"]},{"_index":"complaint-public-v1","_id":"12062408","_score":17.704166,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/year> To TransUnion Subject : Formal Complaint Regarding Inaccurate Derogatory Remarks on Credit Report I am writing to formally dispute two derogatory remarks reported by XXXX XXXX  on my credit report. These remarks pertain to a collection trade line that is inaccurate, misleading, and in violation of federal regulations. \n\nThe issues with this account are as follows : XXXX. Inaccuracy of Debt Status : The account in question pertains to a tradeline that was sold and subsequently satisfied. The original creditor, XXXX XXXX XXXX, issued a Form 1099-C to the IRS, effectively forgiving the debt and zeroing out the account balance. As per IRS guidelines, the issuance of a 1099-C ultimately showed beyond doubt that the creditor has canceled the debt, thus nullifying further collection efforts or reporting of outstanding balances. LVNV Fundings claim to the debt is baseless, as the obligation was already resolved. \nXXXX. Violation of 15 U.S.C. 1681c ( Fair Credit Reporting Act ) : The continued reporting of this adverse item violates 15 U.S.C. 1681c, which states that no adverse item of information shall remain on a credit report under these circumstances. Reporting this derogatory remark is not only inaccurate but constitutes deceptive and unfair practices. \nXXXX. Deceptive Practices by XXXX XXXX XXXX  and XXXX XXXX  : XXXX XXXX falsely represents itself as the original creditor, when, in fact, the original creditor is XXXX XXXX XXXX. This misrepresentation demonstrates deceptive practices aimed at misleading consumers. Furthermore, the actions of both parties amount to a coordinated effort to perpetuate a false narrative regarding the status of this debt, thereby violating my consumer rights. \n\nI am requesting the following : Immediate removal of the inaccurate trade-lines from my credit report. \nA thorough investigation into the deceptive practices of XXXX XXXX XXXX and XXXX XXXX. \nWritten confirmation of the resolution of this matter. \n\nI reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities if this issue is not resolved promptly. Additionally, I may pursue legal remedies under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) for any damages caused by these inaccurate and deceptive practices. \n\nPlease treat this letter as a formal dispute under the Fair Credit Reporting Act. I expect your response within the legally mandated time frame. \n\nThank you for your prompt attention to this matter. I look forward to your resolution of this issue. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-12T22:17:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33712","tags":"Servicemember","has_narrative":true,"complaint_id":"12062408","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-12T22:16:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Deceptive</em> <em>Practices</em> by XXXX XXXX XXXX  and XXXX XXXX  : XXXX XXXX falsely represents itself as the original creditor, when, in fact, the original creditor is XXXX XXXX XXXX. This misrepresentation demonstrates <em>deceptive</em> <em>practices</em> aimed at misleading consumers. Furthermore, the actions of <em>both</em> parties amount to a coordinated effort to perpetuate a false narrative regarding the status of this debt, thereby violating my consumer rights."]},"sort":[17.704166,"12062408"]},{"_index":"complaint-public-v1","_id":"12062407","_score":17.681772,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/year> To TransUnion Subject : Formal Complaint Regarding Inaccurate Derogatory Remarks on Credit Report I am writing to formally dispute two derogatory remarks reported by XXXX XXXX  on my credit report. These remarks pertain to a collection trade line that is inaccurate, misleading, and in violation of federal regulations. \n\nThe issues with this account are as follows : XXXX. Inaccuracy of Debt Status : The account in question pertains to a tradeline that was sold and subsequently satisfied. The original creditor, XXXX XXXX XXXX, issued a Form 1099-C to the IRS, effectively forgiving the debt and zeroing out the account balance. As per IRS guidelines, the issuance of a 1099-C ultimately showed beyond doubt that the creditor has canceled the debt, thus nullifying further collection efforts or reporting of outstanding balances. LVNV Fundings claim to the debt is baseless, as the obligation was already resolved. \nXXXX. Violation of 15 U.S.C. 1681c ( Fair Credit Reporting Act ) : The continued reporting of this adverse item violates 15 U.S.C. 1681c, which states that no adverse item of information shall remain on a credit report under these circumstances. Reporting this derogatory remark is not only inaccurate but constitutes deceptive and unfair practices. \nXXXX. Deceptive Practices by XXXX XXXX XXXX  and XXXX XXXX  : XXXX XXXX falsely represents itself as the original creditor, when, in fact, the original creditor is XXXX XXXX XXXX. This misrepresentation demonstrates deceptive practices aimed at misleading consumers. Furthermore, the actions of both parties amount to a coordinated effort to perpetuate a false narrative regarding the status of this debt, thereby violating my consumer rights. \n\nI am requesting the following : Immediate removal of the inaccurate trade-lines from my credit report. \nA thorough investigation into the deceptive practices of XXXX XXXX XXXX and XXXX XXXX. \nWritten confirmation of the resolution of this matter. \n\nI reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities if this issue is not resolved promptly. Additionally, I may pursue legal remedies under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) for any damages caused by these inaccurate and deceptive practices. \n\nPlease treat this letter as a formal dispute under the Fair Credit Reporting Act. I expect your response within the legally mandated time frame. \n\nThank you for your prompt attention to this matter. I look forward to your resolution of this issue. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-12T22:17:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33712","tags":"Servicemember","has_narrative":true,"complaint_id":"12062407","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-12T22:16:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Deceptive</em> <em>Practices</em> by XXXX XXXX XXXX  and XXXX XXXX  : XXXX XXXX falsely represents itself as the original creditor, when, in fact, the original creditor is XXXX XXXX XXXX. This misrepresentation demonstrates <em>deceptive</em> <em>practices</em> aimed at misleading consumers. Furthermore, the actions of <em>both</em> parties amount to a coordinated effort to perpetuate a false narrative regarding the status of this debt, thereby violating my consumer rights."]},"sort":[17.681772,"12062407"]},{"_index":"complaint-public-v1","_id":"12059741","_score":17.67846,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/year> To TransUnion Subject : Formal Complaint Regarding Inaccurate Derogatory Remarks on Credit Report I am writing to formally dispute two derogatory remarks reported by XXXX XXXX  on my credit report. These remarks pertain to a collection trade line that is inaccurate, misleading, and in violation of federal regulations. \n\nThe issues with this account are as follows : XXXX. Inaccuracy of Debt Status : The account in question pertains to a tradeline that was sold and subsequently satisfied. The original creditor, XXXX XXXX XXXX, issued a Form 1099-C to the IRS, effectively forgiving the debt and zeroing out the account balance. As per IRS guidelines, the issuance of a 1099-C ultimately showed beyond doubt that the creditor has canceled the debt, thus nullifying further collection efforts or reporting of outstanding balances. LVNV Fundings claim to the debt is baseless, as the obligation was already resolved. \nXXXX. Violation of 15 U.S.C. 1681c ( Fair Credit Reporting Act ) : The continued reporting of this adverse item violates 15 U.S.C. 1681c, which states that no adverse item of information shall remain on a credit report under these circumstances. Reporting this derogatory remark is not only inaccurate but constitutes deceptive and unfair practices. \nXXXX. Deceptive Practices by XXXX XXXX XXXX  and XXXX XXXX  : XXXX XXXX falsely represents itself as the original creditor, when, in fact, the original creditor is XXXX XXXX XXXX. This misrepresentation demonstrates deceptive practices aimed at misleading consumers. Furthermore, the actions of both parties amount to a coordinated effort to perpetuate a false narrative regarding the status of this debt, thereby violating my consumer rights. \n\nI am requesting the following : Immediate removal of the inaccurate trade-lines from my credit report. \nA thorough investigation into the deceptive practices of XXXX XXXX XXXX and XXXX XXXX. \nWritten confirmation of the resolution of this matter. \n\nI reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities if this issue is not resolved promptly. Additionally, I may pursue legal remedies under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) for any damages caused by these inaccurate and deceptive practices. \n\nPlease treat this letter as a formal dispute under the Fair Credit Reporting Act. I expect your response within the legally mandated time frame. \n\nThank you for your prompt attention to this matter. I look forward to your resolution of this issue. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-12T22:17:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33712","tags":"Servicemember","has_narrative":true,"complaint_id":"12059741","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-12T22:05:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Deceptive</em> <em>Practices</em> by XXXX XXXX XXXX  and XXXX XXXX  : XXXX XXXX falsely represents itself as the original creditor, when, in fact, the original creditor is XXXX XXXX XXXX. This misrepresentation demonstrates <em>deceptive</em> <em>practices</em> aimed at misleading consumers. Furthermore, the actions of <em>both</em> parties amount to a coordinated effort to perpetuate a false narrative regarding the status of this debt, thereby violating my consumer rights."]},"sort":[17.67846,"12059741"]},{"_index":"complaint-public-v1","_id":"18055341","_score":17.600002,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"We ( my wife and i ) are filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent credit reporting and deceptive sales practices.\n\nTwo accounts, # XXXX and # XXXX, were added to our credit reports under the category Time Shared Loan / Installment Mortgage. This is false and deceptive because no mortgage, deed, or real estate ownership was ever created, signed, or presented to us.\n\nWe were misled during the sales process, told we could rent out the timeshare, and were later double-billed for multiple tiers of membership. Additionally, a second account was opened without our authorization. \n\nXXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations Deceptive trade and misrepresentation laws We request the CFPB compel XXXX to : Remove both accounts from all consumer reporting agencies. \n\nProvide copies of all contractual documents. \n\nCease deceptive reporting as mortgages.","date_sent_to_company":"2025-12-15T21:49:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30087","tags":"Servicemember","has_narrative":true,"complaint_id":"18055341","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-15T21:49:24.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations <em>Deceptive</em> <em>trade</em> and misrepresentation laws We request the CFPB compel XXXX to : Remove <em>both</em> accounts from all consumer reporting agencies. \n\nProvide copies of all contractual documents. \n\nCease <em>deceptive</em> reporting as mortgages."]},"sort":[17.600002,"18055341"]},{"_index":"complaint-public-v1","_id":"15528103","_score":17.546307,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Formal Complaint Misclassification of Trade-In, Unauthorized Charges, and Deferred Interest Violations Dear Zales XXXX, I am formally disputing the handling of my XX/XX/XXXX trade-in transaction at Store XXXX XXXXXXXX, which demonstrates misrepresentation, improper billing, and violations of your advertised promotional financing policies. \n\nXXXX. Misclassification of Trade-In as XXXX XXXX The receipt clearly shows TRADE-IN ( {$2200.00} ) applied to my original {$4400.00} ring purchased on XX/XX/XXXX. \nZales, in communication with XXXX, claimed this was a new purchase requiring a new XXXX deferred interest plan. \nAccording to standard retail financing practice and Zales own advertised policies, a trade-in should adjust the existing balance and financing, not trigger a separate term. \nBy misclassifying the transaction, Zales created dual interest exposure, which is unfair, deceptive, and abusive under both NJ and federal law. \n\nXXXX. Deferred Interest Stacking Violation My XXXX purchase was on an XXXX deferred interest plan ( XX/XX/XXXX XX/XX/XXXX ). \nBecause I did not pay off the original balance in full, proper policy required that the trade-in reduce or adjust the existing plan. \nInstead, XXXX XXXX XXXX new XXXX deferred interest term ( XX/XX/XXXX XX/XX/XXXX ), stacking interest for overlapping balances and violating Zales advertised financing policies XXXX \n\nXXXX. Unauthorized XXXX XXXX XXXX ( {$520.00} ) The receipt clearly shows I declined the additional protection plan. \nZales and XXXX nevertheless charged me {$520.00} without consent. \nThis constitutes unauthorized billing and deceptive practice, especially as coverage from the original ring was not transferred or canceled. \n\nXXXX. XXXX XXXX XXXX Zales XXXX XXXX Zales has a documented history of misrepresentation : In XXXX, the FTC charged Zales with deceptive advertising of the XXXX XXXXXXXX XXXX XXXX \nThis demonstrates a pattern of ignoring accurate product representation and consumer rights, making the current conduct part of a troubling pattern. \n\nXXXX. Requested Resolution I demand that Zales : XXXX. Provide official written trade-in and promotional financing policies. \nXXXX. Cancel and refund the {$520.00} protection plan charge. \nXXXX. Correct the XX/XX/XXXX transaction to reflect a true trade-in, adjusting financing instead of creating a new plan. \nXXXX. Work with XXXX  to remove all improperly accrued interest and negative credit reporting. \n\nXXXX. Legal Warning If these matters are not corrected promptly, I am prepared to : File a lawsuit in New Jersey under the XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXX ) for deceptive practices and misrepresentation, Seek damages, restitution, and injunctive relief, and Escalate this matter with all relevant regulatory agencies. \n\n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-26T20:08:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"07017","tags":null,"has_narrative":true,"complaint_id":"15528103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-08-26T19:58:31.000Z","state":"NJ","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["By misclassifying the transaction, Zales created dual interest exposure, which is unfair, <em>deceptive</em>, and abusive <em>under</em> <em>both</em> NJ and federal law. \n\nXXXX. Deferred Interest Stacking Violation My XXXX purchase was on an XXXX deferred interest plan ( XX/XX/XXXX XX/XX/XXXX ). \nBecause I did not pay off the original balance in full, proper policy required that the <em>trade</em>-in reduce or adjust the existing plan."]},"sort":[17.546307,"15528103"]},{"_index":"complaint-public-v1","_id":"8845832","_score":17.4647,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : 15 USC 1681s-2 Identity Theft, Misleading & Deceptive Practices in Violation of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ) To Whom it may concern, XXXX, Equifax, and XXXX  are engaging in practices prohibited by Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ), strictly prohibit unfair or deceptive acts or practices in or affecting commerce. \n\nREPORTING ERRORS THROUGH MISREPRESENTATION The original source documents were requested for verification through physical validation, however XXXX, and Equifax have failed to provide any such proof. This account is being reported in error through misrepresentation, fraudulently, and in violation of consumer protection laws under the Fair Credit Reporting Act, FTC Act, and The Sherman Act of 1890, which prohibit false, misleading and deceptive practices, and therefore this account must be deleted immediately. \n\nFurthermore, XXXX has failed to provide proof that the account listed is not an investment futures security, thereby constituting as a Trust agreement and not a contract. XXXX  Non-Performance by failure to provide documentation requested for proof and verification of physical validation of the account is in violation of the FCRA, and Reporting Investigation requirements, FTC Act, and the Sherman Antitrust Act of 1890. \nThe failure to perform, and failure to disclose, coupled with misrepresentation of this account constitutes as fraudulent misrepresentation in violation of consumer protection laws under the FTC, FCRA, and Truth and Lending Act, Regulation Z and therefore must be deleted immediately. \nUNFAIR TRADING PRACTICES Additionally, the XXXX account fails to adhere to the disclosure requirements under the FCRA, Regulation Z, Truth and Lending Act, [ fueled by ] being fraudulently reported herein. Section 5 of the FTC ACT ( 15 USC 45 ), prohibits unfair acts & practices, deceptive acts & practices, misrepresentations, omissions, that mislead, or are likely to mislead the consumer and that are material, in or affecting commerce including dealers, banks, servicers, and/or depositors. \n\nIn accord with the title [ 15 U.S.C.1681g ] Section 609 ( a ), of the Fair Credit Reporting Act, the original contract documents inclusive of my signature ; the Name, and address of the Representative pursuant to the original contract was made, along with the original payment history and signature of ownership was previously made. The Sherman Antitrust Act of 1890, strictly prohibits misleading, unfair, deceptive acts and/or practices, by any such corporations and/or officials and is punishable by criminal charges. \n\nUpon continued failure of XXXX, Equifax, XXXX to adhere to disclosure requirements, requests for performance, and verifiable proof through physical verification, the following account continues being reported in error and fraudulently through misleading and deceptive practices. Therefore immediate removal and deletion of the account stated herein is in order under FCRA 15 USC 1681c-2. Any refusal to comply with Statutes and Regulations governed by the FTC under the FCRA, and any which are prohibited by Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ) will be subject to enforcement and settlement under the Sherman Antitrust Act of 1890, and additional enforcement by the FTC under the FCRA as allowed. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof through physical verification, you must remove the account listed above. \n\n15 U.S.CODE 1-TRUSTS, ETC., IN RESTRAINT OF TRADE ILLEGAL ; PENALTY provided : Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= XXXX} if a corporation, or, if any other person, {>= XXXX}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. \n\nSHERMAN ANTITRUST ACT 15 U.S.C. 1 - 38 Sherman Antitrust Act of 1890 is a federal statute which prohibits activities that restrict interstate commerce and competition in the marketplace. It outlaws any contract, conspiracy, or combination of business interests in restraint of foreign or interstate trade.","date_sent_to_company":"2024-04-24T14:58:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70461","tags":null,"has_narrative":true,"complaint_id":"8845832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-24T14:58:50.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["RE : 15 USC 1681s-2 Identity Theft, Misleading & <em>Deceptive</em> <em>Practices</em> in Violation of the Federal <em>Trade</em> Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ) To Whom it may concern, XXXX, Equifax, and XXXX  are engaging in <em>practices</em> prohibited by Section 5 of the Federal <em>Trade</em> Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ), strictly prohibit unfair or <em>deceptive</em> acts or <em>practices</em> in or affecting commerce."]},"sort":[17.4647,"8845832"]},{"_index":"complaint-public-v1","_id":"8845787","_score":17.4647,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : 15 USC 1681s-2 Identity Theft, Misleading & Deceptive Practices in Violation of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ) To Whom it may concern, Experian, XXXX, and XXXX  are engaging in practices prohibited by Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ), strictly prohibit unfair or deceptive acts or practices in or affecting commerce. \n\nREPORTING ERRORS THROUGH MISREPRESENTATION The original source documents were requested for verification through physical validation, however Experian, and XXXX have failed to provide any such proof. This account is being reported in error through misrepresentation, fraudulently, and in violation of consumer protection laws under the Fair Credit Reporting Act, FTC Act, and The Sherman Act of 1890, which prohibit false, misleading and deceptive practices, and therefore this account must be deleted immediately. \n\nFurthermore, XXXX has failed to provide proof that the account listed is not an investment futures security, thereby constituting as a Trust agreement and not a contract. XXXX Non-Performance by failure to provide documentation requested for proof and verification of physical validation of the account is in violation of the FCRA, and Reporting Investigation requirements, FTC Act, and the Sherman Antitrust Act of 1890.\n\nThe failure to perform, and failure to disclose, coupled with misrepresentation of this account constitutes as fraudulent misrepresentation in violation of consumer protection laws under the FTC, FCRA, and Truth and Lending Act, Regulation Z and therefore must be deleted immediately. \nUNFAIR TRADING PRACTICES Additionally, the XXXX account fails to adhere to the disclosure requirements under the FCRA, Regulation Z, Truth and Lending Act, [ fueled by ] being fraudulently reported herein. Section 5 of the FTC ACT ( 15 USC 45 ), prohibits unfair acts & practices, deceptive acts & practices, misrepresentations, omissions, that mislead, or are likely to mislead the consumer and that are material, in or affecting commerce including dealers, banks, servicers, and/or depositors.\n\nIn accord with the title [ 15 U.S.C.1681g ] Section 609 ( a ), of the Fair Credit Reporting Act, the original contract documents inclusive of my signature ; the Name, and address of the Representative pursuant to the original contract was made, along with the original payment history and signature of ownership was previously made. The Sherman Antitrust Act of 1890, strictly prohibits misleading, unfair, deceptive acts and/or practices, by any such corporations and/or officials and is punishable by criminal charges. \n\nUpon continued failure of Experian, XXXX, XXXX  to adhere to disclosure requirements, requests for performance, and verifiable proof through physical verification, the following account continues being reported in error and fraudulently through misleading and deceptive practices. Therefore immediate removal and deletion of the account stated herein is in order under FCRA 15 USC 1681c-2. Any refusal to comply with Statutes and Regulations governed by the FTC under the FCRA, and any which are prohibited by Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ) will be subject to enforcement and settlement under the Sherman Antitrust Act of 1890, and additional enforcement by the FTC under the FCRA as allowed. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof through physical verification, you must remove the account listed above. \n\n15 U.S.CODE 1-TRUSTS, ETC., IN RESTRAINT OF TRADE ILLEGAL ; PENALTY provided : Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.\n\nSHERMAN ANTITRUST ACT 15 U.S.C. 1 - 38 Sherman Antitrust Act of 1890 is a federal statute which prohibits activities that restrict interstate commerce and competition in the marketplace. It outlaws any contract, conspiracy, or combination of business interests in restraint of foreign or interstate trade.","date_sent_to_company":"2024-04-24T14:58:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70461","tags":null,"has_narrative":true,"complaint_id":"8845787","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-24T14:51:02.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["RE : 15 USC 1681s-2 Identity Theft, Misleading & <em>Deceptive</em> <em>Practices</em> in Violation of the Federal <em>Trade</em> Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ) To Whom it may concern, Experian, XXXX, and XXXX  are engaging in <em>practices</em> prohibited by Section 5 of the Federal <em>Trade</em> Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ), strictly prohibit unfair or <em>deceptive</em> acts or <em>practices</em> in or affecting commerce."]},"sort":[17.4647,"8845787"]},{"_index":"complaint-public-v1","_id":"8845833","_score":17.432533,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : 15 USC 1681s-2 Identity Theft, Misleading & Deceptive Practices in Violation of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ) To Whom it may concern, XXXX, XXXX, and NMAC are engaging in practices prohibited by Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ), strictly prohibit unfair or deceptive acts or practices in or affecting commerce. \n\nREPORTING ERRORS THROUGH MISREPRESENTATION The original source documents were requested for verification through physical validation, however XXXX, and XXXX have failed to provide any such proof. This account is being reported in error through misrepresentation, fraudulently, and in violation of consumer protection laws under the Fair Credit Reporting Act, FTC Act, and The Sherman Act of 1890, which prohibit false, misleading and deceptive practices, and therefore this account must be deleted immediately.\n\nFurthermore, NMAC has failed to provide proof that the account listed is not an investment futures security, thereby constituting as a Trust agr\neement and not a contract. NMACS Non-Performance by failure to provide documentation requested for proof and verification of physical validation of the account is in violation of the FCRA, and Reporting Investigation requirements, FTC Act, and the Sherman Antitrust Act of 1890. \nThe failure to perform, and failure to disclose, coupled with misrepresentation of this account constitutes as fraudulent misrepresentation in violation of consumer protection laws under the FTC, FCRA, and Truth and Lending Act, Regulation Z and therefore must be deleted immediately. \nUNFAIR TRADING PRACTICES Additionally, the NMAC account fails to adhere to the disclosure requirements under the FCRA, Regulation Z, Truth and Lending Act, [ fueled by ] being fraudulently reported herein. Section 5 of the FTC ACT ( 15 USC 45 ), prohibits unfair acts & practices, deceptive acts & practices, misrepresentations, omissions, that mislead, or are likely to mislead the consumer and that are material, in or affecting commerce including dealers, banks, servicers, and/or depositors. \n\nIn accord with the title [ 15 U.S.C.1681g ] Section 609 ( a ), of the Fair Credit Reporting Act, the original contract documents inclusive of my signature ; the Name, and address of the Representative pursuant to the original contract was made, along with the original payment history and signature of ownership was previously made. The Sherman Antitrust Act of 1890, strictly prohibits misleading, unfair, deceptive acts and/or practices, by any such corporations and/or officials and is punishable by criminal charges. \n\nUpon continued failure of XXXX, XXXX, NMACs to adhere to disclosure requirements, requests for performance, and verifiable proof through physical verification, the following account continues being reported in error and fraudulently through misleading and deceptive practices. Therefore immediate removal and deletion of the account stated herein is in order under FCRA 15 USC 1681c-2. Any refusal to comply with Statutes and Regulations governed by the FTC under the FCRA, and any which are prohibited by Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ) will be subject to enforcement and settlement under the Sherman Antitrust Act of 1890, and additional enforcement by the FTC under the FCRA as allowed. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof through physical verification, you must remove the account listed above. \n\n15 U.S.CODE 1-TRUSTS, ETC., IN RESTRAINT OF TRADE ILLEGAL ; PENALTY provided : Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= XXXX} if a corporation, or, if any other person, {>= XXXX}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. \n\nSHERMAN ANTITRUST ACT 15 U.S.C. 1 - 38 Sherman Antitrust Act of 1890 is a federal statute which prohibits activities that restrict interstate commerce and competition in the marketplace. It outlaws any contract, conspiracy, or combination of business interests in restraint of foreign or interstate trade.","date_sent_to_company":"2024-04-24T14:58:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70461","tags":null,"has_narrative":true,"complaint_id":"8845833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2024-04-24T14:58:50.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["RE : 15 USC 1681s-2 Identity Theft, Misleading & <em>Deceptive</em> <em>Practices</em> in Violation of the Federal <em>Trade</em> Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ) To Whom it may concern, XXXX, XXXX, and NMAC are engaging in <em>practices</em> prohibited by Section 5 of the Federal <em>Trade</em> Commission Act ( FTC ACT ) ( 15 USC 45 ), and The Sherman Act of 1890 ( 15 U.S.CODE 1-TRUSTS ), strictly prohibit unfair or <em>deceptive</em> acts or <em>practices</em> in or affecting commerce."]},"sort":[17.432533,"8845833"]},{"_index":"complaint-public-v1","_id":"18055342","_score":17.286978,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"We ( my wife and i ) are filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent credit reporting and deceptive sales practices. \n\nTwo accounts, # XXXX and # XXXX, w\n\nere added to our credit reports under the category Time Shared Loan / Installment Mortgage. This is false and deceptive because no mortgage, deed, or real estate ownership was ever created, signed, or presented to us. We were misled during the sales process, told we could rent out the timeshare, and were later double-billed for multiple tiers of membership. Additionally, a second account was opened without our authorization. \n\nXXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations Deceptive trade and misrepresentation laws We request the CFPB compel XXXX to : Remove both accounts from all consumer reporting agencies. \n\nProvide copies of all contractual documents. \n\nCease deceptive reporting as mortgages.","date_sent_to_company":"2025-12-15T21:49:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30087","tags":"Servicemember","has_narrative":true,"complaint_id":"18055342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-15T21:49:24.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations <em>Deceptive</em> <em>trade</em> and misrepresentation laws We request the CFPB compel XXXX to : Remove <em>both</em> accounts from all consumer reporting agencies. \n\nProvide copies of all contractual documents. \n\nCease <em>deceptive</em> reporting as mortgages."]},"sort":[17.286978,"18055342"]},{"_index":"complaint-public-v1","_id":"10180211","_score":17.106398,"_source":{"product":"Student loan","complaint_what_happened":"This letter serves as formal notice of my intent to sue Wells Fargo Bank , N.A . for the unlawful reporting of false and deceptive information to the XXXX website and for violating my rights to privacy under both state and federal law. \nharm to my financial standing and reputation and has adversely affected my ability to secure appropriate financial assistance for my educational needs. \n\nFurthermore, this unauthorized disclosure of my personal financial information constitutes a violation of my privacy rights under applicable laws, including, but not limited to : XXXX. XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX of false and deceptive information is a direct violation of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX ), which prohibits any unfair or deceptive acts or practices in the conduct of trade or commerce. The misleading and inaccurate reports submitted by Wells Fargo constitute deceptive practices that have caused me financial and reputational damage. \n\nXXXX. **XXXX XXXX XXXX Wells Fargo has also violated my right to privacy by unlawfully sharing and disseminating false information, which has caused both emotional distress and financial hardship. \n\nI demand that Wells Fargo Bank , N.A . immediately cease and desist from further reporting false or misleading information regarding my student loans and financial records, and that you take corrective action to rectify the damage caused by your erroneous reports. \nIf this matter is not resolved within [ XXXX ] days of receipt of this letter, I intend to file a lawsuit against Wells Fargo Bank , N.A . for violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as for invasion of my privacy and any other applicable claims. \n\nI reserve all rights, remedies, and claims available to me under law. Please govern yourselves accordingly.","date_sent_to_company":"2024-09-19T20:43:25.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"10180211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-09-19T20:30:23.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Furthermore, this unauthorized disclosure of my personal financial information constitutes a violation of my privacy rights <em>under</em> applicable laws, including, but not limited to : XXXX. XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX of false and <em>deceptive</em> information is a direct violation of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX ), which prohibits any unfair or <em>deceptive</em> acts or <em>practices</em> in the conduct of <em>trade</em> or commerce."]},"sort":[17.106398,"10180211"]},{"_index":"complaint-public-v1","_id":"18054327","_score":16.969442,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"We ( husband and i ) are filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent credit reporting and deceptive sales practices. \n\nXXXX accounts, XXXX XXXX XXXX XXXX XXXXXXXX, were added to our credit reports under the category XXXX XXXX XXXX / XXXX Mortgage. This is false and deceptive because no mortgage, deed, or real estate ownership was ever created, signed, or presented to us. \n\nWe were misled during the sales process, told we could rent out the timeshare, and were later double-billed for multiple tiers of membership. Additionally, a second account was opened without our authorization. We also requested to cancel within recission timeframe and our request was ignored. \n\nXXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations Deceptive trade and misrepresentation laws We request the CFPB compel XXXX to : Remove both accounts from all consumer reporting agencies. \n\nProvide copies of all contractual documents. \n\nCease deceptive reporting as mortgages.","date_sent_to_company":"2025-12-15T21:27:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"18054327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-15T21:27:33.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations <em>Deceptive</em> <em>trade</em> and misrepresentation laws We request the CFPB compel XXXX to : Remove <em>both</em> accounts from all consumer reporting agencies. \n\nProvide copies of all contractual documents. \n\nCease <em>deceptive</em> reporting as mortgages."]},"sort":[16.969442,"18054327"]},{"_index":"complaint-public-v1","_id":"18054329","_score":16.959778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"We ( husband and i ) are filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent credit reporting and deceptive sales practices. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, were added to our credit reports under the category Time Shared Loan / Installment Mortgage. This is false and deceptive because no mortgage, deed, or real estate ownership was ever created, signed, or presented to us.\n\nWe were misled during the sales process, told we could rent out the timeshare, and were later double-billed for multiple tiers of membership. Additionally, a second account was opened without our authorization. We also requested to cancel within recission timeframe and our request was ignored. \n\nXXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations Deceptive trade and misrepresentation laws We request the CFPB compel XXXX to : Remove both accounts from all consumer reporting agencies. \n\nProvide copies of all contractual documents. \n\nCease deceptive reporting as mortgages.","date_sent_to_company":"2025-12-15T21:28:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"18054329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-15T21:27:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations <em>Deceptive</em> <em>trade</em> and misrepresentation laws We request the CFPB compel XXXX to : Remove <em>both</em> accounts from all consumer reporting agencies. \n\nProvide copies of all contractual documents. \n\nCease <em>deceptive</em> reporting as mortgages."]},"sort":[16.959778,"18054329"]},{"_index":"complaint-public-v1","_id":"18054328","_score":16.959778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"We ( husband and i ) are filing a complaint against XXXX XXXX XXXX XXXX XXXX Consumer Finance for fraudulent credit reporting and deceptive sales practices. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, were added to our credit reports under the category XXXX XXXX XXXX / XXXX Mortgage. This is false and deceptive because no mortgage, deed, or real estate ownership was ever created, signed, or presented to us. \n\nWe were misled during the sales process, told we could rent out the timeshare, and were later double-billed for multiple tiers of membership. Additionally, a second account was opened without our authorization. We also requested to cancel within recission timeframe and our request was ignored. \n\nXXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations Deceptive trade and misrepresentation laws We request the CFPB compel XXXX to : Remove both accounts from all consumer reporting agencies. \n\nProvide copies of all contractual documents. \n\nCease deceptive reporting as mortgages.","date_sent_to_company":"2025-12-15T21:28:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"18054328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-15T21:27:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX is violating : FCRA 602, 605B, 609, 611, 623 FDCPA regulations <em>Deceptive</em> <em>trade</em> and misrepresentation laws We request the CFPB compel XXXX to : Remove <em>both</em> accounts from all consumer reporting agencies. \n\nProvide copies of all contractual documents. \n\nCease <em>deceptive</em> reporting as mortgages."]},"sort":[16.959778,"18054328"]},{"_index":"complaint-public-v1","_id":"12823038","_score":16.93728,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am filing this complaint against PayTomorrow LLC for what I believe to be an unlawful, deceptive, and predatory financing structure. In XX/XX/year>, I purchased a piece of gym equipment and financed it through PayTomorrow. I was led to believe I was entering into a single financing arrangement. However, I have since discovered that I was deceptively enrolled in both a consumer loan AND a closed-end lease for the same piece of equipment, creating a dual financial liability that was never clearly explained to me at the time of agreement.\n\nLet me be clear : This was a single transaction for a single product, yet PayTomorrow split the liability across two separate financial instruments a \" Simple Interest Consumer Loan and Security Agreement '' and a \" Closed End Consumer Goods Lease Agreement '' without adequate disclosure. The lease references a {$2500.00} value, while the loan finances {$1800.00} of the same product, giving PayTomorrow the ability to double-dip on payments for the exact same item. This is a blatant abuse of consumer trust and constitutes constructive fraud through layered contract structures that obscure the true financial burden. \n\nThe lease falsely states I have no ownership rights, while the loan simultaneously grants PayTomorrow a security interest in the equipment, implying I am the owner. It is legally impossible under Texas law to both lease and sell the same item to the same person at the same time. These documents directly contradict XXXX another and reflect a willful act of deception, designed to trap unsuspecting consumers into overpaying. \nThese practices are : In violation of the Truth in Lending Act ( TILA ) for failure to clearly disclose the true nature of the financing agreement.\n\nIn violation of the Consumer Leasing Act ( CLA ) due to incomplete and misleading lease disclosures.\n\nIn violation of Texas Deceptive Trade Practices Act ( DTPA ) for employing an unconscionable financing structure and misrepresenting consumer rights.\n\nAnd appear to violate UDAP standards ( Unfair and Deceptive Acts and Practices ) by artificially inflating consumer liability through dual contract structures. \n\nPayTomorrow appears to be using this tactic to mislead underwriting systems, confuse customers into believing they have more flexibility than they do, and weaponize complexity to generate excess payments under the guise of optional ownership when in reality, both agreements require payment on overlapping timelines and include steep fees, automatic debits, and disproportionate penalties. \n\nI have attached both the loan and lease agreements for your review. If this is happening to me, its likely happening to hundreds or thousands of others. This is not an accident this is a model built for predatory profit, and it needs to be stopped.","date_sent_to_company":"2025-04-05T02:10:32.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"751XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12823038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PayTomorrow, LLC","date_received":"2025-04-05T02:02:49.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["In violation of Texas <em>Deceptive</em> <em>Trade</em> <em>Practices</em> Act ( DTPA ) for employing an unconscionable financing structure and misrepresenting consumer rights.\n\nAnd appear to violate UDAP standards ( Unfair and <em>Deceptive</em> Acts and <em>Practices</em> ) by artificially inflating consumer liability through dual contract structures."]},"sort":[16.93728,"12823038"]},{"_index":"complaint-public-v1","_id":"16096717","_score":16.90204,"_source":{"product":"Debt collection","complaint_what_happened":"Lloyd & McDaniel , PLC is attempting to collect on behalf of XXXX XXXX while presenting themselves as both a law firm and a licensed debt collector. Public records in Florida confirm they are not licensed as a consumer collection agency, yet they continue to use attorney letterhead to pressure me, which constitutes false representation and impersonation of legal authority under 15 U.S.C. 1692e. Their only so-called validation consists of account statements, which do not meet FDCPA requirements. This conduct is misleading, harmful, and unlawful. \nThe only so-called validation provided by XXXX & XXXX XXXX XXXX copies of monthly account statements from XXXX XXXX. This is identical to the failed strategy used by XXXX XXXX Solutions, which ultimately conceded and returned the file to XXXX XXXX. Such documents do not constitute proper validation under 15 U.S.C. 1692g ( b ). They fail to provide any signed contract, chain of title, or proof of legal assignment. This conduct demonstrates a pattern of evasive and deceptive collection practices that must be stopped. \nFurthermore, public records reveal that Lloyd & McDaniel , PLC is not licensed as a consumer collection agency in Florida, as required by XXXX XXXX. XXXX. Their filing with the Florida Division of Corporations ( XXXX ) was marked as Rejected, and subsequent entries show inconsistent entity names ( XXXX vs. XXXX ), further undermining their legal standing to operate in this state. Attempting to collect debts without proper state licensure constitutes unlawful collection activity and an unfair and deceptive practice under the Florida Consumer Collection Practices Act ( XXXX, XXXX XXXX. XXXX ) and the Florida Deceptive and Unfair Trade Practices Act ( XXXX, XXXX XXXX. XXXX ).","date_sent_to_company":"2025-09-24T00:32:37.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"16096717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lloyd & McDaniel, PLC","date_received":"2025-09-24T00:17:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["Attempting to collect debts without proper state licensure constitutes unlawful collection activity and an unfair and <em>deceptive</em> <em>practice</em> <em>under</em> the Florida Consumer Collection <em>Practices</em> Act ( XXXX, XXXX XXXX. XXXX ) and the Florida <em>Deceptive</em> and Unfair <em>Trade</em> <em>Practices</em> Act ( XXXX, XXXX XXXX. XXXX )."]},"sort":[16.90204,"16096717"]},{"_index":"complaint-public-v1","_id":"12175123","_score":16.883715,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I purchased tickets for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$2100.00}, which obtained them from XXXX, and financed the purchase through Affirm. The total price, including hidden service fees and artificially inflated dynamic pricing, was not transparently disclosed at checkout, leading to an unexpected financial burden. \n\nUpon discovering that the tickets were grossly overpriced due to deceptive business practices, I attempted to resell them through XXXX, only to find that XXXX imposes excessive fees on both sellers and buyers, making it financially impractical to recover costs. XXXX refused to issue a refund, citing its rigid \" All Sales Final '' policy, despite the Colorado Consumer Protection Act ( C.R.S. Title XXXX, Article XXXX ) and the Federal Trade Commission Act ( 15 U.S.C. 45 ), which prohibit deceptive trade practices.\n\nI formally disputed the charge with Affirm and requested that they void the loan due to XXXX fraudulent pricing practices and lack of transparency. On XX/XX/XXXX, Affirm denied my dispute, relying solely on XXXX refund policy instead of investigating the misrepresentation and deceptive nature of the transaction. \n\nSince then, I have filed a XXXX  complaint against Affirm, to which they have not responded for over a week and a half. Meanwhile, Affirm continues to send daily collection emails despite being aware of this dispute. Additionally, I have already paid two months toward this fraudulent loan and am requesting that Affirm issue a refund for those payments in addition to voiding the loan. \nRelevant Legal Precedents : Several ongoing lawsuits highlight the deceptive nature of XXXX and XXXX business practices : XXXXXXXX XXXX XXXX XXXX : Plaintiffs accused XXXX XXXX fraud, price fixing, and enabling scalpers, harming consumers through artificially inflated pricing. \nXXXX XXXX XXXX XXXXXXXX : A federal class action alleging that XXXX misled fans, violated antitrust laws, and engaged in deceptive pricing tactics. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : A DOJ antitrust lawsuit ( joined by 29 states, including XXXX XXXX  seeking to dismantle the monopoly between XXXX and XXXX XXXX citing anti-competitive behavior and consumer harm. \n\nThis transaction was facilitated through deceptive business practices that are currently under federal investigation, and I urge Affirm to reconsider its decision and resolve this matter fairly.","date_sent_to_company":"2025-02-22T08:20:26.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"80906","tags":"Servicemember","has_narrative":true,"complaint_id":"12175123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-02-22T07:43:17.000Z","state":"CO","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This transaction was facilitated through <em>deceptive</em> business <em>practices</em> that are currently <em>under</em> federal investigation, and I urge Affirm to reconsider its decision and resolve this matter fairly."]},"sort":[16.883715,"12175123"]},{"_index":"complaint-public-v1","_id":"12077966","_score":16.746454,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this follow-up complaint against XXXX XXXX and the credit reporting agencies ( Equifax, Experian, and TransUnion ) due to grave reporting inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), the Dodd-Frank prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), and Nevadas deceptive trade practices statutes ( XXXX etseq. ). Despite my prior disputes, Equifax has effectively closed my XXXX  account for nearly a yearshowing it as PAYS AS AGREED with no balance or updated datawhile Experian and TransUnion continue to report a live balance and payments. XXXX also insists it furnishes identical data to all bureaus, yet the account plainly appears active with Experian/TransUnion and dormant with Equifax. This glaring contradiction renders the account unverifiable, artificially inflates my debt, and denies me a fair credit profile. \n\nUnder FCRA 1681s-2 and 1681i, both XXXX and the CRAs must ensure consistent, accurate reporting and can not shift blame to each other. XXXX final statement that Equifax suppressed the account shows there is no uniform verification across bureausespecially since nearly twelve months of missing updates at Equifax reveal a major data failure. This ongoing harm to my ability to obtain credit constitutes an unfair, deceptive, or abusive act or practice ( UDAAP under 12U.S.C. 5531 ) and violates Nevada law prohibiting misrepresentations or omissions of material facts in consumer transactions ( XXXX etseq. ).","date_sent_to_company":"2025-02-21T23:11:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"12077966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-15T01:25:10.000Z","state":"NV","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing this follow-up complaint against XXXX XXXX and the credit reporting agencies ( Equifax, Experian, and TransUnion ) due to grave reporting inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), the Dodd-Frank prohibition on Unfair, <em>Deceptive</em>, or Abusive Acts or <em>Practices</em> ( UDAAP ), and Nevadas <em>deceptive</em> <em>trade</em> <em>practices</em> statutes ( XXXX etseq. )."]},"sort":[16.746454,"12077966"]},{"_index":"complaint-public-v1","_id":"12077908","_score":16.722252,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this follow-up complaint against XXXX XXXX and the credit reporting agencies ( Equifax, Experian, and TransUnion ) due to grave reporting inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), the Dodd-Frank prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), and Nevadas deceptive trade practices statutes ( XXXX etseq. ). Despite my prior disputes, Equifax has effectively closed my XXXX  account for nearly a yearshowing it as PAYS AS AGREED with no balance or updated datawhile Experian and TransUnion continue to report a live balance and payments. XXXX also insists it furnishes identical data to all bureaus, yet the account plainly appears active with Experian/TransUnion and dormant with Equifax. This glaring contradiction renders the account unverifiable, artificially inflates my debt, and denies me a fair credit profile. \n\nUnder FCRA 1681s-2 and 1681i, both XXXX and the CRAs must ensure consistent, accurate reporting and can not shift blame to each other. XXXX final statement that Equifax suppressed the account shows there is no uniform verification across bureausespecially since nearly twelve months of missing updates at Equifax reveal a major data failure. This ongoing harm to my ability to obtain credit constitutes an unfair, deceptive, or abusive act or practice ( UDAAP under 12U.S.C. 5531 ) and violates Nevada law prohibiting misrepresentations or omissions of material facts in consumer transactions ( XXXX etseq. ).","date_sent_to_company":"2025-02-21T23:00:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"12077908","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-15T00:10:31.000Z","state":"NV","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 am filing this follow-up complaint against XXXX XXXX and the credit reporting agencies ( Equifax, Experian, and TransUnion ) due to grave reporting inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), the Dodd-Frank prohibition on Unfair, <em>Deceptive</em>, or Abusive Acts or <em>Practices</em> ( UDAAP ), and Nevadas <em>deceptive</em> <em>trade</em> <em>practices</em> statutes ( XXXX etseq. )."]},"sort":[16.722252,"12077908"]},{"_index":"complaint-public-v1","_id":"12077965","_score":16.719902,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this follow-up complaint against XXXX XXXX and the credit reporting agencies ( Equifax, Experian, and TransUnion ) due to grave reporting inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), the Dodd-Frank prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), and Nevadas deceptive trade practices statutes ( XXXX etseq. ). Despite my prior disputes, Equifax has effectively closed my XXXX  account for nearly a yearshowing it as PAYS AS AGREED with no balance or updated datawhile Experian and TransUnion continue to report a live balance and payments. XXXX also insists it furnishes identical data to all bureaus, yet the account plainly appears active with Experian/TransUnion and dormant with Equifax. This glaring contradiction renders the account unverifiable, artificially inflates my debt, and denies me a fair credit profile. \n\nUnder FCRA 1681s-2 and 1681i, both XXXX and the CRAs must ensure consistent, accurate reporting and can not shift blame to each other. XXXX final statement that Equifax suppressed the account shows there is no uniform verification across bureausespecially since nearly twelve months of missing updates at Equifax reveal a major data failure. This ongoing harm to my ability to obtain credit constitutes an unfair, deceptive, or abusive act or practice ( UDAAP under 12U.S.C. 5531 ) and violates Nevada law prohibiting misrepresentations or omissions of material facts in consumer transactions ( XXXX etseq. ).","date_sent_to_company":"2025-02-21T23:11:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89113","tags":null,"has_narrative":true,"complaint_id":"12077965","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-15T01:25:10.000Z","state":"NV","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 am filing this follow-up complaint against XXXX XXXX and the credit reporting agencies ( Equifax, Experian, and TransUnion ) due to grave reporting inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), the Dodd-Frank prohibition on Unfair, <em>Deceptive</em>, or Abusive Acts or <em>Practices</em> ( UDAAP ), and Nevadas <em>deceptive</em> <em>trade</em> <em>practices</em> statutes ( XXXX etseq. )."]},"sort":[16.719902,"12077965"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1853,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1853}]}},"product":{"doc_count":1853,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1101,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1095},{"key":"Other personal consumer report","doc_count":6}]}},{"key":"Debt 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