{"took":128,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":423,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17809012","_score":20.861744,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB NARRATIVE FACTUAL STATEMENT OF EVENTS ( NO PERSONAL DATA INCLUDED ) Including XXXX as Furnisher Time Period of Activity : XX/XX/year> XX/XX/year> Summary of the Issue A previously reported debt appeared on one or more consumer credit reports. \nNo original contract, itemized statement, or chain of assignment was provided at any time prior to reporting. \nXX/XX/year> XXXX formal written debt validation demand was sent to the furnisher and bureaus. \nThe demand requested : Original contract Chain of title Itemized accounting Sworn affidavit from a living human custodian of records No sworn affidavit was provided. \nReporting continued with no change in status. \nXX/XX/year> A regulatory inquiry was initiated through the Consumer Financial Protection Bureau. \nThe furnisher acknowledged the inquiry. \nThe account continued to be reported during the investigation period. \nXXXX XXXX  Multiple unauthorized soft credit inquiries occurred by third-party lenders and platforms. \nNo written authorization or permissible purpose was provided for these inquiries. \nDispute results issued by bureaus relied on automated verification only. \nNo human review, no affidavit, and no business-records certification were produced. \nXX/XX/year> The furnisher formally responded that it was unable to locate the account unless personal identifying information was provided. \nThis response contradicted : Prior reporting activity Prior verification claims Ongoing credit bureau publication No deletion occurred following this admission. \nXX/XX/year> ( Current Status ) As of this date : The tradeline remains reported. \nNo sworn validation exists. \nNo human affiant has been identified. \nNo timeline of verification has been disclosed. \nUnauthorized inquiries remain visible. \nNo corrected credit report has been issued. \nAmounts in Dispute The reported balance has varied over time and was never supported by an itemized accounting. \nNo lawful principal balance, interest calculation, or fee breakdown has ever been provided. \nand includes XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and all soft inquires of depletion unauthorized of no benefits to beneficiaries and validation of of debts a of signed signature of the living person connoting the audit A telecommunications account and related debt associated with XXXX and subsequent furnishers/collectors was reported to consumer reporting agencies without lawful validation, without a sworn affidavit from a human custodian of records, and without proof of contractual authority or chain of assignment. Despite repeated written disputes and regulatory escalation, negative reporting and unauthorized soft inquiries continued without correction. Automated responses were used in place of lawful human verification. This conduct caused ongoing financial harm and credit impairment. \nChronological Timeline of Events XX/XX/year> A telecommunications-related tradeline associated with XXXX appeared on at least one consumer credit report.\n\nNo original service agreement, no itemized billing history, and no proof of assignment to any third party was provided at the time of initial reporting. \nXX/XX/year> A formal written debt validation and dispute notice was sent to : XXXX ( original furnisher ) The downstream furnisher/collector Consumer reporting agencies The demand requested : Original service agreement Full billing history Chain of custody from XXXX to any third party Sworn affidavit from a living human custodian of records No sworn affidavit was provided by XXXX or XXXX downstream furnisher. \nXXXX continued with no change in status. \nXX/XX/year> XXXX Consumer Financial Protection Bureau complaint was filed regarding the XXXXrelated reporting and the failure to validate. \nThe furnisher acknowledged receipt of the regulatory inquiry. \nThe disputed tradeline continued to be reported during the regulatory review period. \nXXXX XXXX  Multiple unauthorized soft credit inquiries were generated by third-party financial institutions and credit platforms. \nNo written authorization, application, or permissible purpose documentation was produced. \nDispute results issued by the consumer reporting agencies relied on automated electronic verification only. \nNo human review occurred. \nNo affidavit from XXXX or any assignee was produced. \nNo proof of lawful transfer or authority was provided. \nXX/XX/year> The third-party furnisher responding to the CFPB inquiry stated it was unable to locate the account unless additional personal identifying information was provided. \nThis admission directly contradicted : XXXX XXXX reporting activity Ongoing bureau publication XXXX verification claims No deletion occurred following this admission. \nXXXX negative reporting remained active. \nXX/XX/year> ( XXXX XXXX ) As of this date : The XXXXrelated tradeline remains reported.\n\nNo sworn validation exists.\n\nNo human affiant has been identified.\n\nNo audit trail of verification has been disclosed.\n\nUnauthorized inquiries remain visible.\n\nNo corrected consumer report has been issued.\n\nAmounts in Dispute The alleged balance associated with the XXXX account has varied over time. \nNo lawful principal balance, monthly billing breakdown, usage records, fees, penalties, or contractual rate schedule has ever been produced. \nNo payment history supported by business-record certification has been provided. \nActions Taken by the Consumer Submitted written XXXX disputes. \nSubmitted written debt validation demands to all furnishers. \nDemanded sworn human affidavit verification. \nFiled a CFPB regulatory complaint. \nChallenged unauthorized soft inquiries. \nRequested a full reinvestigation under federal law. \nRequested deletion in the absence of lawful verification. \nActions Taken by XXXX and Other Companies Continued reporting during the dispute period. \nRelied on automated system verification. \nFailed to produce any sworn affidavit. \nFailed to disclose the human custodian of records. \nFailed to produce a lawful chain of assignment. \nContinued reporting after claiming the account could not be located. \nFailed to issue any corrected or updated consumer report. \nConsumer Harm Credit score suppression. \nDenial of financing opportunities. \nIncreased borrowing costs. \nBusiness and personal financial impairment. \nOngoing reputational financial injury. \nRegulatory rights delayed by automated handling.\n\nRelief Sought Immediate deletion of all unvalidated XXXXrelated tradelines.\n\nImmediate removal of unauthorized inquiries.\n\nWritten certification that no lawful validation exists. \nIssuance of a corrected consumer report. \nMonetary compensation for statutory and actual damages. \nInjunctive relief prohibiting further reporting without sworn human verification.","date_sent_to_company":"2025-12-07T09:45:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"17809012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-07T09:44:56.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Actions Taken by the Consumer Submitted written XXXX <em>disputes</em>. \nSubmitted written debt <em>validation</em> <em>demands</em> to all furnishers. \n<em>Demanded</em> <em>sworn</em> human affidavit verification. \nFiled a CFPB regulatory complaint. \nChallenged unauthorized soft inquiries. \nRequested a <em>full</em> reinvestigation under federal law. \nRequested deletion in the absence of lawful verification. \nActions Taken by XXXX and Other Companies Continued reporting during the <em>dispute</em> period. \nRelied on automated system verification."]},"sort":[20.861744,"17809012"]},{"_index":"complaint-public-v1","_id":"13325198","_score":20.756273,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Email : XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Self Financial, Inc. / Lead Bank XXXX XXXX XXXX XXXX  XXXX, MO XXXX Subject : Formal Demand for Full Validation, Original Documentation, and Sworn Affidavit Account Ending XXXX To Whom It May Concern : This letter serves as formal Notice of Dispute and Demand for Full Validation and Sworn Verification regarding the alleged account reported by Self Financial / Lead Bank under account number ending XXXX, pursuant to the Fair Credit Reporting Act ( \" FCRA '' ), 15 U.S.C. 1681 et seq. \n\nI dispute the validity, ownership, and accuracy of the above-referenced account as it pertains to my personal identifying information. \n\nNotice of Identity Compromise : I am a confirmed victim of the XXXX  Data Breach, which compromised my personally identifiable information ( PII ) through no fault of my own. \n\nEquifax is inaccurately reporting my name as \" XXXX XXXX XXXX '', an error that directly impacts the reliability of any associated accounts. \n\nDue to the documented compromise, any alleged electronic application, digital signature, or online account opening is inherently suspect and subject to rescission and challenge. \n\nDemand for Full Validation and Proof Under Penalty of Perjury : Accordingly, I hereby formally demand that Self Financial / Lead Bank provide the following within fifteen ( 15 ) calendar days of receipt : A copy of the original account application bearing my wet-ink ( handwritten ) signature not an electronic signature ; A sworn affidavit under penalty of perjury from an authorized officer of Self Financial / Lead Bank attesting : That they have personal knowledge of the accounts origination, That they reviewed the original application documents bearing my signature, That the account was lawfully initiated with my full, informed, voluntary consent, and That the reported account activity is accurate, complete, and verifiable to the best of their knowledge, under penalty of perjury ; Copies of all original documents relied upon to verify my identity and open the account, including identification used, application date, IP address, device ID, and geolocation data ; Copies of all billing statements reflecting all charges, credits, payments, and fees from the alleged inception of the account ; Full transaction history with dates, descriptions, and amounts ; Documentation evidencing permissible purpose to access and furnish my consumer report information under FCRA 1681b ; A copy of all communications and records pertaining to any dispute or account investigation activity to date. \n\nNotice Regarding Electronic Signatures : Given the known compromise of my identifying information through the Equifax breach, any alleged electronic consent or electronic signature is deemed legally unreliable, inadmissible, and invalid absent : Clear, documented, and unrefuted evidence of identity authentication, Informed consent compliant with the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act, 15 U.S.C. 7001 et seq. ).\n\nFailure to provide original wet ink documentation renders any reliance on electronic signatures invalid under law.\n\nFailure to Comply : Failure to provide the above-requested original documentation and sworn affidavit will constitute : Willful noncompliance with FCRA 1681s-2 ( b ), Willful misrepresentation under 15 U.S.C. 1681n, Negligent violation of consumer rights under FCRA 1681o, Breach of duty under the Privacy Act of 1974, Potential common law claims for negligent furnishing of information and defamation of character. \n\nIn the absence of full validation and proof within the allotted timeframe, I demand the immediate permanent deletion of all reporting associated with this alleged account from all consumer reporting agencies. \n\nContinued furnishing of unverifiable information will result in immediate escalation through formal arbitration demands, regulatory complaints to the Consumer Financial Protection Bureau ( CFPB ), and legal claims for statutory, actual, and punitive damages. \n\nSummary of Demands : Full production of original wet-ink signature documents, Full production of all supporting account documentation, A sworn affidavit under penalty of perjury from an authorized officer, Deletion of the account if unable to comply fully within fifteen ( 15 ) days. \n\nI reserve all rights, remedies, and causes of action at law and in equity. \n\nGovern yourselves accordingly. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-05-04T19:35:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92201","tags":null,"has_narrative":true,"complaint_id":"13325198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-05-04T19:11:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":[". / Lead Bank XXXX XXXX XXXX XXXX  XXXX, MO XXXX Subject : Formal <em>Demand</em> for <em>Full</em> <em>Validation</em>, Original Documentation, and <em>Sworn</em> Affidavit Account Ending XXXX To Whom It May Concern : This letter serves as formal Notice of <em>Dispute</em> and <em>Demand</em> for <em>Full</em> <em>Validation</em> and <em>Sworn</em> Verification regarding the alleged account reported by Self Financial / Lead Bank under account number ending XXXX, pursuant to the Fair Credit Reporting Act ( \" FCRA '' ), 15 U.S.C. 1681 et seq."]},"sort":[20.756273,"13325198"]},{"_index":"complaint-public-v1","_id":"12957038","_score":20.727417,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On or about XX/XX/year>, I mailed a formal dispute and enforcement packet to XXXX XXXX concerning a repossession and credit reporting of Account # XXXX. The packet included a sworn Affidavit of Truth and Harm, a Commercial Invoice for {$51000.00}, an IRS Disclosure Demand ( Forms XXXX, XXXX, OID ), a Cease and Desist letter, and a request for full debt validation pursuant to the FDCPA and FCRA. \n\nThis packet was delivered to XXXX XXXX 's legal department and signed for by their agent XXXX XXXX on XX/XX/year> via certified mail. \n\nI gave XXXX XXXX XXXX calendar days to respond by sworn affidavit and provide all requested documentation. They failed to respond lawfully. Instead, on XX/XX/year>, I received a generic letter stating they believe the tradeline is accurate. \n\nXXXX XXXX has provided no validation of debt, no original contract, no IRS disclosures, and has not rebutted my affidavit. They continue to report a derogatory tradeline to credit bureaus without lawful justification, violating both the FCRA and FDCPA. \n\nThis has caused ongoing harm to my credit, reputation, and economic well-being. I am requesting full deletion of the tradeline and appropriate consumer enforcement by CFPB.","date_sent_to_company":"2025-04-12T04:01:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"12957038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-12T04:00:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["On or about XX/XX/year>, I mailed a formal <em>dispute</em> and enforcement packet to XXXX XXXX concerning a repossession and credit reporting of Account # XXXX. The packet included a <em>sworn</em> Affidavit of Truth and Harm, a Commercial Invoice for {$51000.00}, an IRS Disclosure <em>Demand</em> ( Forms XXXX, XXXX, OID ), a Cease and Desist letter, and a request for <em>full</em> debt <em>validation</em> pursuant to the FDCPA and FCRA."]},"sort":[20.727417,"12957038"]},{"_index":"complaint-public-v1","_id":"12952937","_score":20.727417,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On or about XX/XX/year>, I mailed a formal dispute and enforcement packet to XXXX XXXX concerning a repossession and credit reporting of Account # XXXX. The packet included a sworn Affidavit of Truth and Harm, a Commercial Invoice for {$51000.00}, an IRS Disclosure Demand ( Forms XXXX, XXXXXXXX XXXX  ), a Cease and Desist letter, and a request for full debt validation pursuant to the FDCPA and FCRA. \n\nThis packet was delivered to XXXX XXXX 's legal department and signed for by their agent XXXX XXXX on XX/XX/year> via certified mail. \n\nI gave XXXX XXXX XXXX calendar days to respond by sworn affidavit and provide all requested documentation. They failed to respond lawfully. Instead, on XX/XX/year>, I received a generic letter stating they believe the tradeline is accurate. \n\nXXXX XXXX has provided no validation of debt, no original contract, no IRS disclosures, and has not rebutted my affidavit. They continue to report a derogatory tradeline to credit bureaus without lawful justification, violating both the FCRA and FDCPA. \n\nThis has caused ongoing harm to my credit, reputation, and economic well-being. I am requesting full deletion of the tradeline and appropriate consumer enforcement by CFPB.","date_sent_to_company":"2025-04-12T04:01:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"12952937","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-12T04:00:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["On or about XX/XX/year>, I mailed a formal <em>dispute</em> and enforcement packet to XXXX XXXX concerning a repossession and credit reporting of Account # XXXX. The packet included a <em>sworn</em> Affidavit of Truth and Harm, a Commercial Invoice for {$51000.00}, an IRS Disclosure <em>Demand</em> ( Forms XXXX, XXXXXXXX XXXX  ), a Cease and Desist letter, and a request for <em>full</em> debt <em>validation</em> pursuant to the FDCPA and FCRA."]},"sort":[20.727417,"12952937"]},{"_index":"complaint-public-v1","_id":"12952920","_score":20.610521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On or about XX/XX/year>, I mailed a formal dispute and enforcement packet to GM Financial concerning a repossession and credit reporting of Account # XXXX. The packet included a sworn Affidavit of Truth and Harm, a Commercial Invoice for {$51000.00}, an IRS Disclosure Demand ( Forms XXXX, XXXX, OID ), a Cease and Desist letter, and a request for full debt validation pursuant to the FDCPA and FCRA. \n\nThis packet was delivered to GM Financial 's legal department and signed for by their agent XXXX XXXX on XX/XX/year> via certified mail. \n\nI gave GM Financial XXXX calendar days to respond by sworn affidavit and provide all requested documentation. They failed to respond lawfully. Instead, on XX/XX/year>, I received a generic letter stating they believe the tradeline is accurate. \n\nGM Financial has provided no validation of debt, no original contract, no IRS disclosures, and has not rebutted my affidavit. They continue to report a derogatory tradeline to credit bureaus without lawful justification, violating both the FCRA and FDCPA. \n\nThis has caused ongoing harm to my credit, reputation, and economic well-being. I am requesting full deletion of the tradeline and appropriate consumer enforcement by CFPB.","date_sent_to_company":"2025-04-12T04:01:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"12952920","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2025-04-12T03:14:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["On or about XX/XX/year>, I mailed a formal <em>dispute</em> and enforcement packet to GM Financial concerning a repossession and credit reporting of Account # XXXX. The packet included a <em>sworn</em> Affidavit of Truth and Harm, a Commercial Invoice for {$51000.00}, an IRS Disclosure <em>Demand</em> ( Forms XXXX, XXXX, OID ), a Cease and Desist letter, and a request for <em>full</em> debt <em>validation</em> pursuant to the FDCPA and FCRA."]},"sort":[20.610521,"12952920"]},{"_index":"complaint-public-v1","_id":"12952938","_score":20.576767,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On or about XX/XX/year>, I mailed a formal dispute and enforcement packet to XXXX XXXX concerning a repossession and credit reporting of Account # XXXX. The packet included a sworn Affidavit of Truth and Harm, a Commercial Invoice for {$51000.00}, an IRS Disclosure Demand ( Forms XXXX, XXXX, OID ), a Cease and Desist letter, and a request for full debt validation pursuant to the FDCPA and FCRA. \n\nThis packet was delivered to XXXX XXXX 's legal department and signed for by their agent XXXX XXXX on XX/XX/year> via certified mail. \n\nI gave XXXX XXXX XXXX calendar days to respond by sworn affidavit and provide all requested documentation. They failed to respond lawfully. Instead, on XX/XX/year>, I received a generic letter stating they believe the tradeline is accurate. \n\nXXXX XXXX has provided no validation of debt, no original contract, no IRS disclosures, and has not rebutted my affidavit. They continue to report a derogatory tradeline to credit bureaus without lawful justification, violating both the FCRA and FDCPA. \n\nThis has caused ongoing harm to my credit, reputation, and economic well-being. I am requesting full deletion of the tradeline and appropriate consumer enforcement by CFPB.","date_sent_to_company":"2025-04-12T04:01:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"12952938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-12T04:00:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["On or about XX/XX/year>, I mailed a formal <em>dispute</em> and enforcement packet to XXXX XXXX concerning a repossession and credit reporting of Account # XXXX. The packet included a <em>sworn</em> Affidavit of Truth and Harm, a Commercial Invoice for {$51000.00}, an IRS Disclosure <em>Demand</em> ( Forms XXXX, XXXX, OID ), a Cease and Desist letter, and a request for <em>full</em> debt <em>validation</em> pursuant to the FDCPA and FCRA."]},"sort":[20.576767,"12952938"]},{"_index":"complaint-public-v1","_id":"18765874","_score":19.659712,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding unlawful debt collection practices by DRB-40 , LLC concerning XXXX alleged account originally attributed to XXXX XXXX XXXX XXXX \n\nOn XX/XX/year>, I received a collection notice claiming a balance of {$7900.00}. I have formally disputed this alleged debt and demanded validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).\n\nDespite my lawful request, the collector has failed to provide : A copy of any contract bearing my signature A complete payment history Proof of ownership and full chain of assignment Itemization of the amount claimed Proof of licensing and authority to collect in my state Evidence the statute of limitations has not expired The collector continues to attempt collection without providing competent evidence that the debt is valid or that they have standing to enforce it. This constitutes unfair and deceptive collection practices and places the burden of proof improperly on the consumer.\n\nI am requesting the CFPB to require DRB-40 , LLC to : Provide full legal validation of the alleged debt, or Cease all collection activity and remove any credit reporting, and Confirm in writing that the account is closed and unenforceable. \n\nAttached is my sworn affidavit of dispute and demand for validation. \n\nThis complaint is submitted under penalty of perjury.","date_sent_to_company":"2026-03-04T13:24:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"83686","tags":null,"has_narrative":true,"complaint_id":"18765874","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DRB-40, LLC","date_received":"2026-01-16T01:14:21.000Z","state":"ID","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am requesting the CFPB to require DRB-40 , LLC to : Provide <em>full</em> legal <em>validation</em> of the alleged debt, or Cease all collection activity and remove any credit reporting, and Confirm in writing that the account is closed and unenforceable. \n\nAttached is my <em>sworn</em> affidavit of <em>dispute</em> and <em>demand</em> for <em>validation</em>. \n\nThis complaint is submitted under penalty of perjury."]},"sort":[19.659712,"18765874"]},{"_index":"complaint-public-v1","_id":"7931291","_score":19.07258,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to vehemently dispute the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I demand that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim. I expect a thorough verification under oath for the following : A sworn confirmation that the claimed account is valid, devoid of any claims and defenses, including but not limited to a breach of agreement, failure of consideration, or material alterations ; An oath-assured confirmation that the original lender provided legitimate value in connection with the alleged account ; A sworn guarantee that the alleged account was transferred in good faith and with the explicit consent of all parties involved. Failure to provide, under oath, the necessary information to validate the credibility of the aforementioned account will result in an immediate and unambiguous demand for the removal of this account from my credit report and all related records maintained by your bureau. These are the accounts : XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.","date_sent_to_company":"2023-11-30T06:53:37.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"7931291","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-30T06:49:57.000Z","state":"NY","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am writing to vehemently <em>dispute</em> the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I <em>demand</em> that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim."]},"sort":[19.07258,"7931291"]},{"_index":"complaint-public-v1","_id":"7931167","_score":19.07258,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to vehemently dispute the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I demand that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim. I expect a thorough verification under oath for the following : A sworn confirmation that the claimed account is valid, devoid of any claims and defenses, including but not limited to a breach of agreement, failure of consideration, or material alterations ; An oath-assured confirmation that the original lender provided legitimate value in connection with the alleged account ; A sworn guarantee that the alleged account was transferred in good faith and with the explicit consent of all parties involved. Failure to provide, under oath, the necessary information to validate the credibility of the aforementioned account will result in an immediate and unambiguous demand for the removal of this account from my credit report and all related records maintained by your bureau. These are the accounts : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.","date_sent_to_company":"2023-11-30T06:53:20.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"7931167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-30T06:49:56.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am writing to vehemently <em>dispute</em> the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I <em>demand</em> that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim."]},"sort":[19.07258,"7931167"]},{"_index":"complaint-public-v1","_id":"7931162","_score":18.913393,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to vehemently dispute the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I demand that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim. I expect a thorough verification under oath for the following : A sworn confirmation that the claimed account is valid, devoid of any claims and defenses, including but not limited to a breach of agreement, failure of consideration, or material alterations ; An oath-assured confirmation that the original lender provided legitimate value in connection with the alleged account ; A sworn guarantee that the alleged account was transferred in good faith and with the explicit consent of all parties involved. Failure to provide, under oath, the necessary information to validate the credibility of the aforementioned account will result in an immediate and unambiguous demand for the removal of this account from my credit report and all related records maintained by your bureau. These are the accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.","date_sent_to_company":"2023-11-30T06:53:27.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"7931162","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-30T06:49:58.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am writing to vehemently <em>dispute</em> the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I <em>demand</em> that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim."]},"sort":[18.913393,"7931162"]},{"_index":"complaint-public-v1","_id":"13469610","_score":18.778067,"_source":{"product":"Credit card","complaint_what_happened":"Between XXXX and XX/XX/year>, I submitted multiple lawful disputes and debt validation requests to Navy Federal Credit Union ( NFCU ) concerning an alleged debt on my XXXX XXXX XXXX  account ending in XXXX, with an outstanding balance of {$4200.00} as of the XX/XX/year> billing statement. \n\nOn XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Fair Credit Reporting Act ( 15 USC 1681s-2 ) to demand full validation of the alleged debt, including a copy of any original signed contract, a breakdown of fees, proof of lawful assignment or authority to collect, and a complete payment history. I also disputed the legitimacy of any charges and instructed NFCU to mark the tradeline as disputed if it continued to be reported.\n\nNFCU responded with vague messages acknowledging receipt but failed to provide any proper validation or contractual evidence. They simply stated that my documentation did not relieve me of the alleged debt, and they reserved their authority to enforce the debt under an unspecified agreement, without producing the actual instrument. \n\nOn XX/XX/year>, I submitted a signed, endorsed payment coupon derived from the XX/XX/year> billing statement, tendered electronically under the Electronic Funds Transfer Act ( 15 USC 1693 ), the E-SIGN Act ( 15 USC 7001 ), and UETA, with attachments and a signed good-faith affirmation. This was presented as a financial instrument in partial or full satisfaction of the alleged obligation pursuant to UCC 3-603 and 3-501.\n\nNFCU summarily rejected this lawful offer, stating that the item was not a valid form of payment or not suitable for deposit but offered no legal basis, sworn affidavit, or statute to support their refusalconstituting commercial dishonor and breach of good faith ( UCC 1-304 ).\n\nI issued a Rebuttal and Demand for Verification letter, which again went unanswered in substance. Their XX/XX/year> response merely forwarded the issue to an unnamed department for review via mail, and to date, no sworn response or verification has been produced. \nThis behavior represents a pattern of : Failure to validate debt under FDCPA 15 USC 1692g ( b ) False or misleading representations ( 15 USC 1692e ) Failure to mark tradeline as disputed under FCRA 15 USC 1681s-2 ( a ) ( 3 ) Commercial dishonor by refusal to respond with lawful cause under UCC 3-505 Bad faith under UCC 1-304","date_sent_to_company":"2025-05-12T19:01:26.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"63130","tags":null,"has_narrative":true,"complaint_id":"13469610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-05-12T18:56:27.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Fair Credit Reporting Act ( 15 USC 1681s-2 ) to <em>demand</em> <em>full</em> <em>validation</em> of the alleged debt, including a copy of any original signed contract, a breakdown of fees, proof of lawful assignment or authority to collect, and a complete payment history. I also <em>disputed</em> the legitimacy of any charges and instructed NFCU to mark the tradeline as <em>disputed</em> if it continued to be reported."]},"sort":[18.778067,"13469610"]},{"_index":"complaint-public-v1","_id":"13258983","_score":18.630737,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint on behalf of myself, XXXX XXXX XXXX. XXXX XXXX XXXX is reporting a collection account on my Experian report that violates the Fair Credit Reporting Act, FDCPA, and XXXX XXXX. \n\nThe account was disputed in writing and via Experian in XXXX XXXXXXXX failed to validate the debt, continues to report it without marking it as disputed, and is misrepresenting the balance and charge-off history. \n\nXXXX has committed at least 10 violations including FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ), 1681i ( a ) ( 5 ), 1681s-2 ( b ), FDCPA 1692g ( b ), 1692e ( 8 ), and Metro 2 Field 17C re-aging violations. \n\nI am attaching a full Cease & Block demand, sworn affidavit, and declaration of harm. I am requesting full deletion and enforcement under FCRA 616 and FDCPA 1692k.","date_sent_to_company":"2025-05-01T01:49:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11217","tags":null,"has_narrative":true,"complaint_id":"13258983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-01T01:49:19.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["I am attaching a <em>full</em> Cease & Block <em>demand</em>, <em>sworn</em> affidavit, and declaration of harm. I am requesting <em>full</em> deletion and enforcement under FCRA 616 and FDCPA 1692k."]},"sort":[18.630737,"13258983"]},{"_index":"complaint-public-v1","_id":"13258972","_score":18.630737,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint on behalf of myself, XXXX XXXX XXXX. Portfolio Recovery Associates is reporting a collection account on my XXXX report that violates the Fair Credit Reporting Act, FDCPA, and Metro 2.\n\nThe account was disputed in writing and via XXXX in 2024. PRA failed to validate the debt, continues to report it without marking it as disputed, and is misrepresenting the balance and charge-off history.\n\nPRA has committed at least 10 violations including FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ), 1681i ( a ) ( 5 ), 1681s-2 ( b ), FDCPA 1692g ( b ), 1692e ( 8 ), and Metro 2 Field 17C re-aging violations.\n\nI am attaching a full Cease & Block demand, sworn affidavit, and declaration of harm. I am requesting full deletion and enforcement under FCRA 616\nand FDCPA 1692k.","date_sent_to_company":"2025-05-01T01:49:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11217","tags":null,"has_narrative":true,"complaint_id":"13258972","timely":"No","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-05-01T01:43:10.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The account was <em>disputed</em> in writing and via XXXX in 2024. PRA failed to <em>validate</em> the debt, continues to report it without marking it as <em>disputed</em>, and is misrepresenting the balance and charge-off history.\n\nPRA has committed at least 10 violations including FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ), 1681i ( a ) ( 5 ), 1681s-2 ( b ), FDCPA 1692g ( b ), 1692e ( 8 ), and Metro 2 Field 17C re-aging violations.\n\nI am attaching a <em>full</em> Cease & Block <em>demand</em>, <em>sworn</em> affidavit, and declaration of harm."]},"sort":[18.630737,"13258972"]},{"_index":"complaint-public-v1","_id":"13821591","_score":18.01764,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2025, I sent Nelnet a formal Debt Validation Request and Demand for Proof of Claim in response to their reporting of a student loan account. My request required verification of standing, proof of original loan funding, full accounting records, a wet-ink signature contract, and documentation establishing lawful authority to report or collect on the account. I also requested proof that the obligation had not been previously discharged, settled, or satisfied through any lawful remedy, including recoupment or setoff. \nNelnet responded by providing only a copy of a Master Promissory Note ( MPN ) and a payment history. They did not provide the full accounting ledger, evidence of lawful ownership, sworn statements under penalty of perjury, IRS documentation, or proof that the loan was actually funded from their own assets. \n\nTheir response was materially insufficient and failed to meet the requirements of validation or substantiation of any claim. Despite this failure, Nelnet continues to report the account as valid and in collection to the credit bureaus, which is inaccurate and harmful. \n\nThis constitutes a failure to investigate and correct under the Fair Credit Reporting Act ( FCRA ) and a lack of good faith performance in response to a formal dispute. I am submitting this complaint to compel proper investigation, enforcement, and correction of the record.","date_sent_to_company":"2025-06-01T14:01:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35235","tags":null,"has_narrative":true,"complaint_id":"13821591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-06-01T13:28:14.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/2025, I sent Nelnet a formal Debt <em>Validation</em> Request and <em>Demand</em> for Proof of Claim in response to their reporting of a student loan account. My request required verification of standing, proof of original loan funding, <em>full</em> accounting records, a wet-ink signature contract, and documentation establishing lawful authority to report or collect on the account."]},"sort":[18.01764,"13821591"]},{"_index":"complaint-public-v1","_id":"13821575","_score":18.01764,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I sent XXXX a formal Debt Validation Request and Demand for Proof of Claim in response to their reporting of a student loan account. My request required verification of standing, proof of original loan funding, full accounting records, a wet-ink signature contract, and documentation establishing lawful authority to report or collect on the account. I also requested proof that the obligation had not been previously discharged, settled, or satisfied through any lawful remedy, including recoupment or setoff. \n\nXXXX responded by providing only a copy of a Master Promissory Note ( MPN ) and a payment history. They did not provide the full accounting ledger, evidence of lawful ownership, sworn statements under penalty of perjury, IRS documentation, or proof that the loan was actually funded from their own assets. \n\nTheir response was materially insufficient and failed to meet the requirements of validation or substantiation of any claim. Despite this failure, XXXX continues to report the account as valid and in collection to the credit bureaus, which is inaccurate and harmful. \n\nThis constitutes a failure to investigate and correct under the Fair Credit Reporting Act ( FCRA ) and a lack of good faith performance in response to a formal dispute. I am submitting this complaint to compel proper investigation, enforcement, and correction of the record.","date_sent_to_company":"2025-06-01T14:01:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35235","tags":null,"has_narrative":true,"complaint_id":"13821575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-01T14:00:48.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I sent XXXX a formal Debt <em>Validation</em> Request and <em>Demand</em> for Proof of Claim in response to their reporting of a student loan account. My request required verification of standing, proof of original loan funding, <em>full</em> accounting records, a wet-ink signature contract, and documentation establishing lawful authority to report or collect on the account."]},"sort":[18.01764,"13821575"]},{"_index":"complaint-public-v1","_id":"18245994","_score":17.95904,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am filing this complaint against Santander Consumer USA Inc. for violations of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ), for failure to conduct a reasonable investigation, failure to review all relevant information, continued furnishing of unverifiable information, and improper assertion of a security interest without proof of enforceable authority.\n\nI submitted multiple written disputes regarding the above-referenced auto loan. In those disputes, I demanded verification of the accuracy and enforceability of the account, including : An authenticated copy of the original retail installment contract Proof of lawful assignment and complete chain of custody, including documentation showing transfer, delivery, acceptance, and authority to enforce the alleged obligation and any related security interest A full, sworn accounting of the alleged balance Verification of lien perfection and authority Santander failed to provide sworn validation or proof of standing. Instead, they provided unsworn reproductions and system-generated records, which do not satisfy FCRA verification requirements once the accuracy and authenticity of the account were formally disputed.\n\nAfter exhausting informal dispute procedures, I served a sworn Affidavit of Default and Opportunity to Cure. Santander did not rebut the affidavit or provide the requested documentation.\n\nDespite this, Santander continues to : Furnish the account to consumer reporting agencies Assert a lien or security interest without producing proof of enforceable authority or lawful assignment This constitutes willful noncompliance with 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( E ), including failure to reasonably investigate, failure to verify accuracy, and continued reporting of information that can not be substantiated.\n\nI request that the CFPB require Santander Consumer USA Inc. to : 1. Cease furnishing this account unless and until it is fully verified with competent, sworn evidence 2. Correct or delete any inaccurate or unverifiable credit reporting 3. Provide proof of lawful authority and lien validity or release the lien immediately 4. Provide a written explanation of the investigation conducted and the basis for any continued reporting All documentation, affidavits, and proof of delivery are available upon request.","date_sent_to_company":"2025-12-23T14:49:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Loan","zip_code":"44256","tags":null,"has_narrative":true,"complaint_id":"18245994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-12-23T14:14:53.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>validation</em> or proof of standing."]},"sort":[17.95904,"18245994"]},{"_index":"complaint-public-v1","_id":"14104381","_score":17.954266,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX | XXXX : XXXX Date : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute & Validation Request for Alleged Debt Account # XXXX Amount : {$220.00} To Whom It May Concern, This is a formal demand for immediate validation of the alleged debt you are attempting to collect under 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ).\n\nI do not acknowledge any obligation to Jefferson Capital Systems , LLC and fully dispute the validity of this account. You are hereby required to cease collection activities and provide full legal validation within 15 days, including : A copy of the original signed contract with my wet signature proving I agreed to this debt.\n\nA full breakdown and itemized statement of the alleged balance of {$220.00}.\n\nVerification of ownership and a chain of custody from the original creditor to your agency.\n\nProof you are licensed to collect debts in the state of Illinois.\n\nEvidence you had permissible purpose to report this debt to the credit bureaus under 15 U.S.C. 1681b.\n\nA sworn affidavit from a competent witness with firsthand knowledge of the debts creation and transfer.\n\nIf you fail to comply with this request, you are in direct violation of the FDCPA and FCRA, and I will not hesitate to : File a formal complaint with the CFPB, FTC, and Illinois Attorney General, Pursue legal remedies under 15 U.S.C. 1681n for willful noncompliance, and Demand deletion of this account for lack of proper validation as outlined in UCC 3-501.\n\nAlso, be advised that re-reporting this account to any credit bureau after it has been disputed without full validation constitutes willful re-insertion and a violation of FCRA 611. You are ordered to immediately cease and desist all collection and reporting activity until this matter is legally resolved. \n\nYou are now on notice. Govern yourselves accordingly. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-17T01:04:23.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"60446","tags":null,"has_narrative":true,"complaint_id":"14104381","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-06-17T00:59:26.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX | XXXX : XXXX Date : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Formal <em>Dispute</em> & <em>Validation</em> Request for Alleged Debt Account # XXXX Amount : {$220.00} To Whom It May Concern, This is a formal <em>demand</em> for immediate <em>validation</em> of the alleged debt you are attempting to collect under 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA )."]},"sort":[17.954266,"14104381"]},{"_index":"complaint-public-v1","_id":"13821576","_score":17.94061,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I sent XXXX a formal Debt Validation Request and Demand for Proof of Claim in response to their reporting of a student loan account. My request required verification of standing, proof of original loan funding, full accounting records, a wet-ink signature contract, and documentation establishing lawful authority to report or collect on the account. I also requested proof that the obligation had not been previously discharged, settled, or satisfied through any lawful remedy, including recoupment or setoff. \n\nXXXX responded by providing only a copy of a Master Promissory Note ( MPN ) and a payment history. They did not provide the full accounting ledger, evidence of lawful ownership, sworn statements under penalty of perjury, IRS documentation, or proof that the loan was actually funded from their own assets. \n\nTheir response was materially insufficient and failed to meet the requirements of validation or substantiation of any claim. Despite this failure, XXXX continues to report the account as valid and in collection to the credit bureaus, which is inaccurate and harmful. \n\nThis constitutes a failure to investigate and correct under the Fair Credit Reporting Act ( FCRA ) and a lack of good faith performance in response to a formal dispute. I am submitting this complaint to compel proper investigation, enforcement, and correction of the record.","date_sent_to_company":"2025-06-01T14:01:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35235","tags":null,"has_narrative":true,"complaint_id":"13821576","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-01T14:00:48.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I sent XXXX a formal Debt <em>Validation</em> Request and <em>Demand</em> for Proof of Claim in response to their reporting of a student loan account. My request required verification of standing, proof of original loan funding, <em>full</em> accounting records, a wet-ink signature contract, and documentation establishing lawful authority to report or collect on the account."]},"sort":[17.94061,"13821576"]},{"_index":"complaint-public-v1","_id":"13821574","_score":17.94061,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I sent XXXX a formal Debt Validation Request and Demand for Proof of Claim in response to their reporting of a student loan account. My request required verification of standing, proof of original loan funding, full accounting records, a wet-ink signature contract, and documentation establishing lawful authority to report or collect on the account. I also requested proof that the obligation had not been previously discharged, settled, or satisfied through any lawful remedy, including recoupment or setoff. \n\nXXXX responded by providing only a copy of a Master Promissory Note ( MPN ) and a payment history. They did not provide the full accounting ledger, evidence of lawful ownership, sworn statements under penalty of perjury, IRS documentation, or proof that the loan was actually funded from their own assets.\n\nTheir response was materially insufficient and failed to meet the requirements of validation or substantiation of any claim. Despite this failure, XXXX continues to report the account as valid and in collection to the credit bureaus, which is inaccurate and harmful. \n\nThis constitutes a failure to investigate and correct under the Fair Credit Reporting Act ( FCRA ) and a lack of good faith performance in response to a formal dispute. I am submitting this complaint to compel proper investigation, enforcement, and correction of the record.","date_sent_to_company":"2025-06-01T14:01:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35235","tags":null,"has_narrative":true,"complaint_id":"13821574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-01T14:00:48.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I sent XXXX a formal Debt <em>Validation</em> Request and <em>Demand</em> for Proof of Claim in response to their reporting of a student loan account. My request required verification of standing, proof of original loan funding, <em>full</em> accounting records, a wet-ink signature contract, and documentation establishing lawful authority to report or collect on the account."]},"sort":[17.94061,"13821574"]},{"_index":"complaint-public-v1","_id":"13957096","_score":17.68213,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : LVNV FUNDING, LLC RE : FORMAL DISPUTE OF COLLECTION ACCOUNTS Account # XXXX {$630.00} & Account # XXXX {$490.00} NOTICE TO CEASE COLLECTION AND DEMAND FOR FULL VALIDATION UNDER FEDERAL LAW To Whom It May Concern : This letter is a formal dispute and demand for full validation of the following alleged collection accounts being reported on my credit file : LVNV Funding Account # XXXX {$630.00} LVNV Funding Account # XXXX {$490.00} I do not acknowledge or consent to these debts, and I am exercising my rights under 15 USC 1692g ( b ) to demand proper and complete validation before any further action is taken. \n\nYou are legally obligated to immediately cease all collection activity and provide the following documentation : REQUIRED VALIDATION DOCUMENTS : The original signed contract between myself and the original creditor for each account. \nA full itemized breakdown of the balances allegedly owed. \nProof of chain of title or assignment from the original creditor to your agency for both accounts. \nA sworn affidavit from the original creditor verifying the accuracy and validity of these debts. \nThe original assignment contracts that include my name, account numbers, and clearly establish your legal right to collect. \nProof that both accounts are not time-barred under the Illinois statute of limitations. \nYou are already in violation of federal consumer law by reporting unverifiable debts. This includes : 15 USC 1681s-2 Furnishing inaccurate and unverifiable information to credit bureaus 15 USC 1692e and 1692f Use of false, deceptive, or unfair collection tactics 15 USC 1666 ( b ) / 12 CFR 1026.13 Failure to properly investigate billing disputes UCC 3-501 Failure to present a valid negotiable instrument upon demand TAKE NOTICE : Do NOT verify or re-report these accounts through any automated system such as E-Oscar without documented proof. \nIf full validation is not provided within 30 days, I will take immediate action by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. \nUnder 15 USC 1681i ( a ) ( 5 ) ( B ), any re-reporting without proper legal certification after deletion constitutes a willful violation, and I reserve the right to pursue damages in civil court. \nYou are now formally notified to cease and desist all collection efforts related to these accounts unless full and proper validation is provided. \n\nGOVERN YOURSELVES ACCORDINGLY. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-08T04:15:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"13957096","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-06-08T04:13:04.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : LVNV FUNDING, LLC RE : FORMAL <em>DISPUTE</em> OF COLLECTION ACCOUNTS Account # XXXX {$630.00} & Account # XXXX {$490.00} NOTICE TO CEASE COLLECTION AND <em>DEMAND</em> FOR <em>FULL</em> <em>VALIDATION</em> UNDER FEDERAL LAW To Whom It May Concern : This letter is a formal <em>dispute</em> and <em>demand</em> for <em>full</em> <em>validation</em> of the following alleged collection accounts being reported on my credit file : LVNV Funding Account # XXXX {$630.00} LVNV Funding Account"]},"sort":[17.68213,"13957096"]},{"_index":"complaint-public-v1","_id":"13957094","_score":17.66912,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : ABSOLUTE RESOLUTIONS INVESTMENTS , LLC RE : FORMAL DISPUTE OF COLLECTION ACCOUNT Account # XXXX {$2400.00} NOTICE TO CEASE COLLECTION AND DEMAND FOR FULL VALIDATION UNDER FEDERAL LAW To Whom It May Concern : This letter is a formal dispute and demand for complete validation regarding the collection account you are reporting in the amount of {$2400.00}, under account number XXXX. I do not acknowledge this debt, and you are legally required to validate it under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ). \n\nYou are hereby ordered to immediately cease all collection activity and provide the following documentation : REQUIRED VALIDATION DOCUMENTS : The original signed contract between myself and the original creditor. \nA full itemized breakdown of the balance allegedly owed. \nProof of chain of title or assignment from the original creditor to your agency. \nA sworn affidavit of debt from the original creditor confirming accuracy. \nA copy of the original assignment contract not a generic bill of sale that includes my name, account number, and all rights you claim to have to collect. \nProof that this alleged debt is not past the statute of limitations for collections in the State of Illinois.\n\nYou are in violation of multiple consumer protection laws by reporting unverified and potentially inaccurate information : 15 USC 1681s-2 Providing inaccurate information to consumer reporting agencies 15 USC 1692e and 1692f Using deceptive or unfair means to collect a debt 15 USC 1666 ( b ) / 12 CFR 1026.13 Failure to respond to billing error disputes UCC 3-501 Failure to present a valid negotiable instrument upon demand TAKE NOTICE : Do not verify or update this account with the credit bureaus through E-Oscar or any other automated system. That is a willful violation of my rights. \nIf you can not provide FULL validation within 30 days, I will file complaints with the CFPB, FTC, and Illinois Attorney General, and may pursue civil action for damages.\n\nUnder 15 USC 1681i ( a ) ( 5 ) ( B ), if this account is reinserted into any credit report after deletion, it must be certified with documentation or you are liable. \nYou are now legally notified to cease all collection activities and communications unless full and complete validation is provided. \n\nGOVERN YOURSELVES ACCORDINGLY. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-08T04:11:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"13957094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Absolute Resolutions Corp.","date_received":"2025-06-08T04:06:21.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : ABSOLUTE RESOLUTIONS INVESTMENTS , LLC RE : FORMAL <em>DISPUTE</em> OF COLLECTION ACCOUNT Account # XXXX {$2400.00} NOTICE TO CEASE COLLECTION AND <em>DEMAND</em> FOR <em>FULL</em> <em>VALIDATION</em> UNDER FEDERAL LAW To Whom It May Concern : This letter is a formal <em>dispute</em> and <em>demand</em> for complete <em>validation</em> regarding the collection account you are reporting in the amount of {$2400.00}, under account number XXXX."]},"sort":[17.66912,"13957094"]},{"_index":"complaint-public-v1","_id":"13956812","_score":17.599073,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX To : XXXX XXXX RE : FORMAL DISPUTE OF COLLECTION ACCOUNT Account XXXX XXXXXXXX NOTICE TO CEASE COLLECTION AND DEMAND FOR FULL VALIDATION UNDER FEDERAL LAW To Whom It May Concern : This letter is a formal dispute and demand for full validation of the alleged collection account you are reporting on my credit profile : RECMGMT SRVC Account XXXX XXXXXXXX I do not acknowledge this debt and do not recognize any contractual obligation to pay it. Under 15 USC 1692g ( b ) of the Fair Debt Collection Practices Act, I am asserting my right to demand full validation. Until such validation is provided, you must cease all collection activity and stop furnishing this information to any consumer reporting agencies. \n\nREQUIRED VALIDATION DOCUMENTS : The original signed agreement between me and the original creditor. \nA complete and itemized breakdown of the balance you allege is owed.\n\nDocumentation of the chain of title or assignment from the original creditor to RECMGMT SRVC. \nA sworn affidavit from the original creditor attesting to the accuracy and validity of the debt. \nA copy of the original assignment contract with specific reference to my name and account number. \nProof that this alleged debt is not past the statute of limitations in the XXXXXXXX XXXX XXXX \nYou are already in violation of federal consumer protection laws by reporting unverifiable and potentially inaccurate information. The following laws are being cited : 15 USC 1681s-2 Reporting inaccurate or incomplete information to credit reporting agencies 15 USC 1692e and 1692f Use of false, deceptive, and unfair collection practices 15 USC 1666 ( b ) / 12 CFR 1026.13 Failure to investigate billing disputes UCC 3-501 Failure to provide presentment of the original debt instrument TAKE NOTICE : Do not attempt to verify or update this account with credit bureaus using automated systems like E-Oscar without supplying full documentation. \nIf you can not validate this account within 30 days, I will file formal complaints with the CFPB, FTC, and the XXXX  Attorney General, and may initiate civil proceedings for damages under the FCRA and FDCPA.\n\nUnder 15 USC 1681i ( a ) ( 5 ) ( B ), if this account is ever reinserted into my credit file after deletion, you must certify it with documentation, or face legal liability. \nUntil such time that you comply with the above, you are legally prohibited from continuing any collection activities regarding this account. \n\nGOVERN YOURSELVES ACCORDINGLY. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-08T04:20:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"13956812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The Receivable Management Services LLC","date_received":"2025-06-08T04:16:11.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX To : XXXX XXXX RE : FORMAL <em>DISPUTE</em> OF COLLECTION ACCOUNT Account XXXX XXXXXXXX NOTICE TO CEASE COLLECTION AND <em>DEMAND</em> FOR <em>FULL</em> <em>VALIDATION</em> UNDER FEDERAL LAW To Whom It May Concern : This letter is a formal <em>dispute</em> and <em>demand</em> for <em>full</em> <em>validation</em> of the alleged collection account you are reporting on my credit profile : RECMGMT SRVC Account XXXX XXXXXXXX I do not acknowledge this debt and do not recognize"]},"sort":[17.599073,"13956812"]},{"_index":"complaint-public-v1","_id":"18138898","_score":17.550375,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against JPMorgan Chase Bank , N.A . ( Chase ) for their inadequate response to my previous CFPB complaint ( ID : XXXX ) regarding disputed credit card debts they claim I owe, which were being collected by XXXX XXXX XXXX XXXX . I dispute these debts in their entirety and believe they may be the result of error, identity theft, or time-barred collection attempts. Chase 's partial validation does not meet FDCPA requirements, and they have failed to provide the method of verification under both FDCPA 1692g and FCRA 611 as part of their investigation into the debt 's validity and the accuracy of information reported to credit bureaus.\n\nBackground : On or around XX/XX/year>, I received collection letters from XXXX for four alleged Chase debts ( Reference Numbers : XXXXaccount ending XXXX for {$3300.00} ; XXXX for {$3100.00} ; XXXX for {$1300.00} ; XXXX for {$1400.00} ). I promptly sent written debt validation demands to XXXX under FDCPA 1692g, disputing the debts and requesting cease-and-desist on all communications until fully validated. My demands included : full creditor details ; original signed contract ; detailed itemized history from inception ; proof of acquisition/chain of title ; last billing statement ; default date and statute of limitations proof ( Florida 's 5-year SOL for credit card debt ) ; legal authority to collect in Florida ; all correspondence/judgments ; sworn affidavit attesting accuracy ; and all internal records/logs. \nXXXX did not respond directly, so I filed a CFPB complaint. Chase responded on XX/XX/year> ( Reference : XXXX ), confirming only three accounts ( ending XXXX, XXXX formerly XXXX, XXXX formerly XXXX ) as valid and owned by them. They enclosed partial documents : Page 1 of applications ( no signatures, terms, or full agreements ) and the last three statements per account ( showing recent fees/interest but no full history, charges, payments, or default dates ). They declined additional information, claiming it sufficient, and stated they couldn't locate my prior requests ( despite my mailed letters ). They processed cease-and-desist but continue reporting to credit bureaus, damaging my credit. Note : Their letter incorrectly lists my address as XXXX XXXX, CA ( should be FL ), which raises concerns about the accuracy of their verification process.\n\nThis response is incomplete and violates FDCPA 1692g by not providing adequate verification. Courts require more than minimal docs for disputed debts, especially where identity theft or errors are alleged. Missing items include : Full unredacted signed contract/agreement with terms, interest rates, and amendments.\n\nComplete itemized history of all charges, payments, credits, interest, and fees from account opening to present, with dates/explanations.\n\nDate of default and proof the debts are not time-barred under Florida law .\n\nProof of legal authority to collect in Florida ( license/registration ).\n\nAll creditor-to-consumer correspondence, judgments, or filings.\n\nSworn affidavit from a knowledgeable person attesting accuracy.\n\nAll internal records, logs, notes, recordings, or data.\n\nProof debts not discharged, settled, or resolved.\n\nAdditionally, under FDCPA 1692g, I demand disclosure of the method of verification used to confirm the debt 's validity, including the specific steps taken, documents or sources reviewed, personnel involved, and any investigation conducted to ensure the debt is accurate and owed by me. This is necessary to assess whether their verification was reasonable and adequate, as required by law for disputed debts.\n\nFurthermore, under FCRA 611 ( a ) ( 7 ), I demand the method of verification ( MOV ) used to determine the accuracy of this information reported to credit bureaus. Chase, as a furnisher under FCRA 623 ( 15 USC 1681s-2 ), must conduct a reasonable investigation into disputed items and provide the MOV upon request. Their response ignores this, failing to describe procedures like reviewing original records, contacting me, or verifying against internal systems. This violates FCRA by not ensuring accurate reporting.\n\nChase 's refusal to provide complete validation and verification methods hinders my ability to resolve this and repair my credit. Please require Chase to : Provide ALL demanded validation items without exception.\n\nDisclose the full method of verification under FDCPA 1692g, including steps taken and sources reviewed.\n\nDisclose the full method of verification under FCRA 611, including steps taken, documents reviewed, and personnel involved.\n\nCease reporting to credit bureaus and request deletion of these tradelines.\n\nConfirm no further collection attempts.","date_sent_to_company":"2025-12-03T21:03:07.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"33064","tags":null,"has_narrative":true,"complaint_id":"18138898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-12-03T20:44:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I promptly sent written debt <em>validation</em> <em>demands</em> to XXXX under FDCPA 1692g, <em>disputing</em> the debts and requesting cease-and-desist on all communications until fully <em>validated</em>."]},"sort":[17.550375,"18138898"]},{"_index":"complaint-public-v1","_id":"14904622","_score":17.538435,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX RE : Continued Dispute and Demand for Full Validation Account Ending in XXXX To Whom It May Concern, This letter serves as a formal notice of continued dispute regarding the alleged debt associated with account number XXXX, originally with XXXX XXXXXXXX XXXX ( XXXX ), XXXX, and now claimed by Portfolio Recovery Associates , LLC ( PRA ). \n\nAlthough you provided some documents in response to my prior dispute, you have not provided sufficient documentation to validate this debt under the requirements of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). The documentation you sent which includes a billing statement and a generic sale notice does not constitute full legal validation.\n\nTo satisfy legal debt validation, I am requesting the following : 1. A copy of the original signed contract or application bearing my signature.\n\n2. A full itemized account history from the date the account was opened until charge-off, showing all payments, interest, fees, and charges.\n\n3. A copy of the purchase agreement or assignment showing PRA has legal rights to collect on this specific debt, not a generic bulk purchase statement. \n4. A sworn affidavit from a competent witness from XXXX XXXX verifying the accuracy of the debt and your legal right to collect it. \n\nTo date, none of the above have been provided. Therefore, the documentation you sent is insufficient and does not prove that I am liable for this debt, nor that you have the legal right to collect on it. \n\nThis account remains in dispute. I request that you immediately cease reporting this account to any credit bureaus until complete validation is provided. Continued reporting of this disputed debt without proper validation violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue further legal action or escalate complaints to regulatory authorities. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-07-26T20:41:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33860","tags":null,"has_narrative":true,"complaint_id":"14904622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-07-26T20:29:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX RE : Continued <em>Dispute</em> and <em>Demand</em> for <em>Full</em> <em>Validation</em> Account Ending in XXXX To Whom It May Concern, This letter serves as a formal notice of continued <em>dispute</em> regarding the alleged debt associated with account number XXXX, originally with XXXX XXXXXXXX XXXX ( XXXX ), XXXX, and now claimed by Portfolio Recovery Associates , LLC ( PRA )."]},"sort":[17.538435,"14904622"]},{"_index":"complaint-public-v1","_id":"12949014","_score":17.44098,"_source":{"product":"Debt collection","complaint_what_happened":"I ask them for Debt Validation under Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), I am disputing this alleged debt in its entirety. I demand the following documentation : 1. A copy of the original signed agreement proving that I entered into a contract for this alleged debt.\n\n2. All account statements from the original creditor demonstrating a full history of charges, fees, and payments. \n\n3. A copy of the complete purchase agreement between your firm and the original creditor, proving legal ownership and right to collect.\n\n4. A full breakdown of all fees and charges added to this account after the original debt was created.\n\n5. An affidavit from the original creditor, sworn under penalty of perjury, confirming the debt is valid.\n\n6. Proof that this debt was properly reported and that all information in your records matches the original creditor 's records. \n\n7. Proof that the debt is within the legal statute of limitations in my state for collections and credit reporting.\n\nUntil these requests are met, I demand that you remove this account from my credit report. Under 15 U.S.C. 1681s-2, you are legally responsible for ensuring accurate reporting.\n\nAdditionally, I invoke my rights under 15 U.S.C. 1692c ( c ) and request that you cease all further contact with me, except to provide the requested validation.","date_sent_to_company":"2025-04-11T22:14:20.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"07083","tags":null,"has_narrative":true,"complaint_id":"12949014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-04-11T21:52:56.000Z","state":"NJ","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I ask them for Debt <em>Validation</em> under Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), I am <em>disputing</em> this alleged debt in its entirety. I <em>demand</em> the following documentation : 1. A copy of the original signed agreement proving that I entered into a contract for this alleged debt.\n\n2. All account statements from the original creditor demonstrating a <em>full</em> history of charges, fees, and payments. \n\n3."]},"sort":[17.44098,"12949014"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":423,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":423}]}},"product":{"doc_count":423,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":191,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":75},{"key":"I do not know","doc_count":71},{"key":"Other debt","doc_count":23},{"key":"Medical debt","doc_count":8},{"key":"Auto debt","doc_count":3},{"key":"Mortgage debt","doc_count":3},{"key":"Private student loan debt","doc_count":3},{"key":"Telecommunications debt","doc_count":3},{"key":"Payday loan debt","doc_count":1},{"key":"Rental debt","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":182,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":181},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":24}]}},{"key":"Credit card","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":7},{"key":"Store credit card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":6},{"key":"Store credit 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