{"took":70,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9100783","_score":25.45703,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Inaccurate Credit Reporting by SecurityCred ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by SecurityCred. The details of the account in question are as follows : - Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX - Account Type : Collection - Balance : {$7000.00} - Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) The issues with this account are as follows : 1. **No Contract with SecurityCred : ** I have no contractual relationship with SecurityCred. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with SecurityCred invalidates the reporting of this debt on my credit report.\n\n2. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for an extended period. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. Under the FCRA, information reported on my credit report must be accurate and not misleading.\n\n3. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.\n\n4. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. \n\nI have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. \n\nPlease find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. \n\nI request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-05-25T04:07:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"92376","tags":null,"has_narrative":true,"complaint_id":"9100783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2024-05-25T03:59:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Re : <em>Dispute</em> of <em>Inaccurate</em> <em>Credit</em> <em>Reporting</em> by <em>SecurityCred</em> ( <em>Account</em> Number : <em>XXXX</em> ) Dear Sir/Madam, I am writing to file a formal complaint regarding the <em>inaccurate</em> <em>reporting</em> of a charge-off <em>account</em> on my <em>credit</em> <em>reports</em> by <em>SecurityCred</em>."],"company":["Security <em>Credit</em> Services, LLC"]},"sort":[25.45703,"9100783"]},{"_index":"complaint-public-v1","_id":"11713557","_score":24.20912,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX SECURITYCRED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Collection Account Account Number : XXXX Creditor : SECURITYCRED Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry.\n\nAfter reviewing my records, I found no written agreement or signed contract with SECURITYCRED authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. \n\nAdditionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that SECURITYCRED provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law. \n\nThis inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the XXXX period, as required by law. \n\nShould the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. \n\nThank you for your prompt attention to this matter. I look forward to your response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-24T00:35:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"777XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11713557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2025-01-24T00:29:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>SECURITYCRED</em> ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Re : <em>Dispute</em> of Collection <em>Account</em> <em>Account</em> Number : <em>XXXX</em> Creditor : <em>SECURITYCRED</em> Dear CFPB, I am writing to formally <em>dispute</em> the above-referenced collection <em>account</em> <em>reported</em> on my <em>credit</em> file. Under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry."],"company":["Security <em>Credit</em> Services, LLC"]},"sort":[24.20912,"11713557"]},{"_index":"complaint-public-v1","_id":"20201657","_score":19.438377,"_source":{"product":"Debt collection","complaint_what_happened":"Validation of Debt Request - SECURITYCRED/XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. \nPursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.\n\n2. The name of the original creditor.\n\n3. A copy of the agreement, contract, or other instrument that created the debt.\n\n4. Verification that you are licensed to collect debts in.","date_sent_to_company":"2026-03-12T14:45:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"77545","tags":null,"has_narrative":true,"complaint_id":"20201657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2026-03-12T14:33:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Validation of Debt Request - <em>SECURITYCRED</em>/<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> I am <em>disputing</em> this <em>account</em> as <em>inaccurate</em> and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all <em>credit</em> <em>reporting</em> agencies. \nPursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe."],"company":["Security <em>Credit</em> Services, LLC"]},"sort":[19.438377,"20201657"]},{"_index":"complaint-public-v1","_id":"19791704","_score":19.16914,"_source":{"product":"Debt collection","complaint_what_happened":"SECURITYCRED XXXX XXXX XXXX XXXX, XXXX XXXX, Validation of Debt Request - SECURITY CREDIT SERVIC - XXXX * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. \nPursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.\n\n2. The name of the original creditor.\n\n3. A copy of the agreement, contract, or other instrument that created the debt. \nXXXX. Verification that you are licensed to collect debts in.","date_sent_to_company":"2026-02-25T22:52:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"75227","tags":null,"has_narrative":true,"complaint_id":"19791704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2026-02-25T22:46:56.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>SECURITYCRED</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em>, Validation of Debt Request - SECURITY <em>CREDIT</em> SERVIC - <em>XXXX</em> * <em>XXXX</em> I am <em>disputing</em> this <em>account</em> as <em>inaccurate</em> and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all <em>credit</em> <em>reporting</em> agencies. \nPursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe."],"company":["Security <em>Credit</em> Services, LLC"]},"sort":[19.16914,"19791704"]},{"_index":"complaint-public-v1","_id":"18896859","_score":15.259579,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against Experian for repeatedly reporting inaccurate, unverifiable, duplicated, and misleading information on my consumer credit report despite multiple disputes. Experian has failed to follow reasonable procedures to assure maximum possible accuracy as required under the Fair Credit Reporting Act and continues to publish information that is incomplete, conflicting, and legally defective, in violation of 15 U.S.C. 1681e ( b ) and 1681i. \n\nExperian is reporting an address that does not belong to me, specifically XXXX XXXX, XXXX, TX XXXX. This address is an inaccurate personal identifier and materially increases the risk of a mixed or erroneous credit file. The continued reporting of this incorrect address violates Experians obligations under the Fair Credit Reporting Act.\n\nExperian is reporting multiple charge-off accounts that I have no knowledge of and that have never been properly validated by the original creditors. XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$470.00}, is listed as a charge off without lawful validation. XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$55.00}, is also reported as a charge off without verification. XXXX XXXX/ Lead account ending XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$260.00}, continues to be reported as a charge off without proof of accuracy or liability. XXXX  account ending XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$280.00}, is also reported as a charge off without lawful validation from the original creditor. \n\nExperian is also reporting late payment information that does not reflect my true payment history and is unsupported by verified documentation. XXXX account ending XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$0.00}, and XXXX account ending XXXX * *, opened on XX/XX/XXXX with a balance of {$0.00}, are both reporting late payments despite XXXX balances. XXXX XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00}, is also reporting a late payment without documentation. The reporting of these late payments violates the maximum accuracy and reinvestigation requirements of the Fair Credit Reporting Act. \n\nExperian continues to report multiple collection accounts that I have no knowledge of and that have never been properly validated as required by federal law. XXXX XXXX XXXX account ending XXXX *, opened on XX/XX/XXXX with a balance of {$950.00}, is reported as a collection without lawful validation. SecurityCred account ending XXXXXXXX XXXX  opened on XX/XX/XXXX with a balance of {$430.00}, is also reported as a collection without verification. XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$1300.00}, continues to be reported as a collection without validation. XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$1600.00}, is also reported as a collection without proper notice or lawful validation. The continued reporting of these unvalidated collection accounts violates 15 U.S.C. 1681s-2 ( a ) and 12 CFR 1006.34 ( b ) ( 5 ).\n\nFinally, Experian is reporting credit inquiries that I did not authorize and that were not made for any permissible purpose as defined under 15 U.S.C. 1681b. These include inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The continued reporting of these unauthorized inquiries is unlawful. \n\nDespite notice and disputes, Experian has failed to conduct a reasonable reinvestigation and has continued to report inaccurate, duplicated, and unverifiable information. I am requesting CFPB assistance to require Experian to comply with the Fair Credit Reporting Act, remove the incorrect address, delete or correct all inaccurate and unverifiable accounts and inquiries listed above, and ensure that my credit report reflects only accurate, complete, and properly validated information.","date_sent_to_company":"2026-01-21T18:39:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77044","tags":null,"has_narrative":true,"complaint_id":"18896859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-01-21T18:35:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>account</em> ending <em>XXXX</em> *, opened on XX/XX/<em>XXXX</em> with a balance of {$950.00}, is <em>reported</em> as a collection without lawful validation. <em>SecurityCred</em> <em>account</em> ending XXXXXXXX <em>XXXX</em>  opened on XX/XX/<em>XXXX</em> with a balance of {$430.00}, is also <em>reported</em> as a collection without verification. <em>XXXX</em> <em>account</em> ending XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> opened on XX/XX/<em>XXXX</em> with a balance of {$1300.00}, continues to be <em>reported</em> as a collection without validation."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.259579,"18896859"]},{"_index":"complaint-public-v1","_id":"11211274","_score":14.435776,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITYCRED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/year>2024 Verification of Debt Request Re : Acct # : XXXX Amount in dispute : {$220.00} Dear SECURITYCRED, I am reaching out to you about the debt you are trying to collect. You contacted me by phone on XX/XX/scrub> 2024. This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which states that you must supply the following information : Information About the Debt and About the Creditor Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\nInformation About the Amount and the Age of the Debt You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; and Provide me with an affidavit that the Statute of Limitations has not expired on this account.\n\nInformation About Your Authority to Collect This Debt Whether your firm has a debt collection license in my state. If not, explain why. If so, provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license ; and Whether you are contacting me from a location outside of my state and whether you have a debt collection license from that location, including the license number and the contact information of the agency that issued the license.\n\nI further dispute this debt and invoke my rights under the FDCPA and any other applicable state laws.\n\nI request that you suspend all collection activities and that your agency provide me with clear and convincing evidence that I have a legal obligation to pay you and/or the original creditor for the amount in dispute.\n\nPlease note : If you have reported invalidated and inaccurate information to any of the three major Credit Bureaus ( XXXX, XXXX, or XXXX ), said action might constitute fraud and disparagement of credit under both Federal and State Laws. Accordingly, if any invalidated or inaccurate negative mark is found on any of my credit reports by you ( or the third parties that you represent ), demand is hereby made to remove such negative marks while this debt is being disputed. \nPlease respond to this request within 30 days of the date of this letter. I need a response from you to make an informed decision about the alleged debt. In addition to providing the above information, please let me know in writing if you are prepared to accept less than the debt you are claiming is owed. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-12-19T06:59:11.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"323XX","tags":null,"has_narrative":true,"complaint_id":"11211274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2024-12-19T06:49:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Please note : If you have <em>reported</em> invalidated and <em>inaccurate</em> information to any of the three major <em>Credit</em> Bureaus ( <em>XXXX</em>, <em>XXXX</em>, or <em>XXXX</em> ), said action might constitute fraud and disparagement of <em>credit</em> under both Federal and State Laws. Accordingly, if any invalidated or <em>inaccurate</em> negative mark is found on any of my <em>credit</em> <em>reports</em> by you ( or the third parties that you represent ), demand is hereby made to remove such negative marks while this debt is being <em>disputed</em>."],"company":["Security <em>Credit</em> Services, LLC"]},"sort":[14.435776,"11211274"]},{"_index":"complaint-public-v1","_id":"10786652","_score":9.429814,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It XXXX Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. \nThese Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.\n\nThe unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you \" verified '' that these items are being \" reported correctly ''?\n\nWho verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.\n\nYou need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.\n\nAs per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available '' You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to \" ... promptly DELETE all information which can not be verified.\n\nThe law is very clear as to the Civil liability and the remedy available to me for \" negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.\n\nI demand the following accounts be verified or removed immediately. \nXXXX. This Account is in violation of XXXX XXXX code XXXX ( XXXX ) for consumer right to privacy. This bankruptcy shouldn't be on my credit/consumer report. \nXXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. \nXXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX Account Number : XXXX Delete this account. \nXXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. \nXXXX. XXXX XXXX CODE XXXX - VALIDATION OF XXXX XXXX  Account Number : XXXX Delete from my credit report. \nXXXX. XXXX XXXX CODE XXXX - OBTAINING INFORMATION UNDER FALSE XXXX Account Number : XXXX Delete this account. \nXXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY SECURITYCRED Account Number : XXXX Delete from my credit report. \nXXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. \nXXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. \nXXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. \nXXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.","date_sent_to_company":"2024-11-13T05:17:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"312XX","tags":null,"has_narrative":true,"complaint_id":"10786652","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-13T05:15:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> CODE <em>XXXX</em> - VALIDATION OF DEBTS <em>XXXX</em> <em>XXXX</em> <em>Account</em> Number : <em>XXXX</em> Please remove it from my <em>credit</em> <em>report</em>. \n<em>XXXX</em>. <em>XXXX</em> <em>XXXX</em> CODE <em>XXXX</em> - 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