{"took":81,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":662,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14294550","_score":25.16619,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Capital One Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX accounts in dispute : Ending in XXXX & XXXX ( Charge-offs over {$2000.00} ) Subject : Request for Debt Validation and Deletion Inaccurate/Unverifiable Reporting To Whom It May Concern, This letter is to dispute and request verification of the Capital One accounts ending in XXXX and XXXX. These accounts are marked as charge-offs and are being reported with inconsistent balances and dates.","date_sent_to_company":"2025-06-25T10:58:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"53208","tags":null,"has_narrative":true,"complaint_id":"14294550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-25T10:54:20.000Z","state":"WI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Capital One Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX <em>accounts</em> in <em>dispute</em> : Ending in XXXX & XXXX ( Charge-offs over {$2000.00} ) Subject : Request for Debt Validation and Deletion <em>Inaccurate</em>/<em>Unverifiable</em> Reporting To <em>Whom</em> It May <em>Concern</em>, This <em>letter</em> is to <em>dispute</em> and request verification of the Capital One <em>accounts</em> ending in XXXX and XXXX. These <em>accounts</em> are marked as charge-offs and are being reported with <em>inconsistent</em> balances and dates."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[25.16619,"14294550"]},{"_index":"complaint-public-v1","_id":"21190044","_score":22.4301,"_source":{"product":"Debt collection","complaint_what_happened":"RE : Notice of Intent to Pursue Legal Action for FCRA Violations To Whom It May Concern, This letter serves as formal notice of my intent to pursue legal action against your company for violations of the Fair Credit Reporting Act ( FCRA ). You are currently reporting information on my credit report that is inaccurate, inconsistent, and unverifiable. Despite prior disputes, this information remains, indicating a failure to conduct a reasonable investigation and a failure to ensure maximum possible accuracy. Your actions constitute violations including, but not limited to : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation Additionally, reporting inaccurate information after being notified of disputes may constitute willful noncompliance.\n\nI am demanding the following : Immediate deletion of all inaccurate and unverifiable accounts Written confirmation of deletion Documentation of how the information was verified If this matter is not resolved within 15 days of receipt of this notice, I am prepared to pursue all available legal remedies, including filing claims for damages. This letter serves as your opportunity to resolve this matter prior to escalation.","date_sent_to_company":"2026-04-13T16:35:51.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"27407","tags":null,"has_narrative":true,"complaint_id":"21190044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-13T16:29:47.000Z","state":"NC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["RE : Notice of Intent to Pursue Legal Action for FCRA Violations To <em>Whom</em> It May <em>Concern</em>, This <em>letter</em> serves as formal notice of my intent to pursue legal action against your company for violations of the Fair Credit Reporting Act ( FCRA ). You are currently reporting information on my credit report that is <em>inaccurate</em>, <em>inconsistent</em>, and <em>unverifiable</em>."]},"sort":[22.4301,"21190044"]},{"_index":"complaint-public-v1","_id":"17317803","_score":22.289238,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"O. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/XXXX DATE : Re : Request for Reinvestigation Under FCRA 602, 609, 611, 623 To whom it may concern, I am formally disputing the accuracy and completeness of several items reporting on my Experian credit file. These accounts contain multiple inaccuracies and unverifiable information, which violates the Fair Credit Reporting Act ( FCRA ). \nPlease conduct a full reinvestigation and delete any item that can not be verified 100 % with original source documentation, not data from automated e-Oscar systems. \nAccounts Disputed XXXX. XXXX XXXX Charged Off Acct ending XXXX ( From report : {$600.00} charge-off ) This account contains the following errors : Dates of delinquency inconsistent Charge-off date inconsistent across months Past due amount conflicts with balance Possible unlawful re-aging in XXXX Status shows Closed at credit grantors request but also Charge-Off This violates FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. \nThis account is disputed as inaccurate and unverifiable. Please delete. \nXXXX. XXXX XXXX XXXX Charge Off Acct CL ( From report : {$85.00} charge-off ) Reporting errors include : Multiple inconsistent past-due dates Missing data for multiple months Balance and past due amount conflict Status updated months after last payment with no documentation This violates FCRA 607 ( b ) and 623. \nThis account is disputed as inaccurate and unverifiable. Please delete. \nXXXX. All Unauthorized/Incorrect Hard Inquiries If the furnishers can not provide signed application records proving my authorization, delete the inquiries. \nRequested Actions Under FCRA 609 and 611, I request : Full reinvestigation of all accounts Method of verification ( MOV ) Deletion of any account that can not be fully verified Updated credit report mailed to me Thank you, XXXX XXXX XXXX. XXXX XXXX DISPUTE LETTER ( Furnisher ) Send to : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : FCRA XXXX Furnisher Dispute Request for Deletion To whom it may concern, I am disputing the Capital XXXX account ending XXXX. Your company is reporting inaccurate, incomplete, and unverifiable information, including : Conflicting dates of first delinquency Changing charge-off dates Past due amount not matching balance Status showing closed AND charged off Possible re-aging in XXXX Under FCRA 623 ( a ) ( 1 ) ( A ), you are prohibited from reporting inaccurate information to Experian. \nBecause this account can not be verified as accurate, I request : Immediate deletion of this account from all consumer reporting agencies. \nSincerely, XXXX XXXX XXXX. XXXX XXXX DISPUTE LETTER Send to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Dispute Under FCRA 623 Incorrect Reporting I am disputing the Kikoff account ( CLXXXX ) reporting a charge-off of {$85.00}. The listing contains : Incorrect past-due history Missing reporting months Balance conflicts Status updated without activity Inconsistent dates These errors violate FCRA 623. \nBecause you can not verify the accuracy of this reporting, I request the account be deleted from all credit bureaus. \nSincerely, XXXX XXXX XXXX. HARD INQUIRY REMOVAL LETTER Use for any inquiry you did NOT authorize To Whom It May Concern, I am disputing the hard inquiry your company placed on my Experian credit file. \nI did not authorize any credit application with your company. \nUnder FCRA 604, a hard inquiry requires written authorization. \nProvide : A copy of the signed credit application IP address, device information, and timestamp of authorization If you can not provide this within XXXX  days, remove the inquiry immediately. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-19T06:09:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"17317803","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-19T06:08:48.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Accounts</em> <em>Disputed</em> XXXX. XXXX XXXX Charged Off Acct ending XXXX ( From report : {$600.00} charge-off ) This <em>account</em> contains the following errors : Dates of delinquency <em>inconsistent</em> Charge-off date <em>inconsistent</em> across months Past due amount conflicts with balance Possible unlawful re-aging in XXXX Status shows Closed at credit grantors request but also Charge-Off This violates FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. \nThis <em>account</em> is <em>disputed</em> as <em>inaccurate</em> and <em>unverifiable</em>."]},"sort":[22.289238,"17317803"]},{"_index":"complaint-public-v1","_id":"17317806","_score":22.282885,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"O. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/XXXX DATE : Re : Request for Reinvestigation Under FCRA 602, 609, 611, 623 To whom it may concern, I am formally disputing the accuracy and completeness of several items reporting on my Experian credit file. These accounts contain multiple inaccuracies and unverifiable information, which violates the Fair Credit Reporting Act ( FCRA ). \nPlease conduct a full reinvestigation and delete any item that can not be verified 100 % with original source documentation, not data from automated e-Oscar systems. \nAccounts Disputed XXXX. XXXX XXXX Charged Off Acct ending XXXX ( From report : {$600.00} charge-off ) This account contains the following errors : Dates of delinquency inconsistent Charge-off date inconsistent across months Past due amount conflicts with balance Possible unlawful re-aging in XXXX Status shows Closed at credit grantors request but also Charge-Off This violates FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. \nThis account is disputed as inaccurate and unverifiable. Please delete. \nXXXX. XXXX XXXX XXXX Charge Off Acct CL ( From report : {$85.00} charge-off ) Reporting errors include : Multiple inconsistent past-due dates Missing data for multiple months Balance and past due amount conflict Status updated months after last payment with no documentation This violates FCRA 607 ( b ) and 623. \nThis account is disputed as inaccurate and unverifiable. Please delete. \nXXXX. All Unauthorized/Incorrect Hard Inquiries If the furnishers can not provide signed application records proving my authorization, delete the inquiries. \nRequested Actions Under FCRA 609 and 611, I request : Full reinvestigation of all accounts Method of verification ( MOV ) Deletion of any account that can not be fully verified Updated credit report mailed to me Thank you, XXXX XXXX XXXX. XXXX XXXX DISPUTE LETTER ( Furnisher ) Send to : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : FCRA XXXX Furnisher Dispute Request for Deletion To whom it may concern, I am disputing the Capital XXXX account ending XXXX. Your company is reporting inaccurate, incomplete, and unverifiable information, including : Conflicting dates of first delinquency Changing charge-off dates Past due amount not matching balance Status showing closed AND charged off Possible re-aging in XXXX Under FCRA 623 ( a ) ( 1 ) ( A ), you are prohibited from reporting inaccurate information to Experian. \nBecause this account can not be verified as accurate, I request : Immediate deletion of this account from all consumer reporting agencies. \nSincerely, XXXX XXXX XXXX. XXXX XXXX DISPUTE LETTER Send to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Dispute Under FCRA 623 Incorrect Reporting I am disputing the Kikoff account ( CLXXXX ) reporting a charge-off of {$85.00}. The listing contains : Incorrect past-due history Missing reporting months Balance conflicts Status updated without activity Inconsistent dates These errors violate FCRA 623. \nBecause you can not verify the accuracy of this reporting, I request the account be deleted from all credit bureaus. \nSincerely, XXXX XXXX XXXX. HARD INQUIRY REMOVAL LETTER Use for any inquiry you did NOT authorize To Whom It May Concern, I am disputing the hard inquiry your company placed on my Experian credit file. \nI did not authorize any credit application with your company. \nUnder FCRA 604, a hard inquiry requires written authorization. \nProvide : A copy of the signed credit application IP address, device information, and timestamp of authorization If you can not provide this within XXXX  days, remove the inquiry immediately. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-19T06:09:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"17317806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-19T06:08:48.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Accounts</em> <em>Disputed</em> XXXX. XXXX XXXX Charged Off Acct ending XXXX ( From report : {$600.00} charge-off ) This <em>account</em> contains the following errors : Dates of delinquency <em>inconsistent</em> Charge-off date <em>inconsistent</em> across months Past due amount conflicts with balance Possible unlawful re-aging in XXXX Status shows Closed at credit grantors request but also Charge-Off This violates FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. \nThis <em>account</em> is <em>disputed</em> as <em>inaccurate</em> and <em>unverifiable</em>."]},"sort":[22.282885,"17317806"]},{"_index":"complaint-public-v1","_id":"17317802","_score":22.282885,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"O. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/XXXX DATE : Re : Request for Reinvestigation Under FCRA 602, 609, 611, 623 To whom it may concern, I am formally disputing the accuracy and completeness of several items reporting on my Experian credit file. These accounts contain multiple inaccuracies and unverifiable information, which violates the Fair Credit Reporting Act ( FCRA ). \nPlease conduct a full reinvestigation and delete any item that can not be verified 100 % with original source documentation, not data from automated e-Oscar systems. \nAccounts Disputed XXXX. XXXX XXXX Charged Off Acct ending XXXX ( From report : {$600.00} charge-off ) This account contains the following errors : Dates of delinquency inconsistent Charge-off date inconsistent across months Past due amount conflicts with balance Possible unlawful re-aging in XXXX Status shows Closed at credit grantors request but also Charge-Off This violates FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. \nThis account is disputed as inaccurate and unverifiable. Please delete. \nXXXX. XXXX XXXX XXXX Charge Off Acct CL ( From report : {$85.00} charge-off ) Reporting errors include : Multiple inconsistent past-due dates Missing data for multiple months Balance and past due amount conflict Status updated months after last payment with no documentation This violates FCRA 607 ( b ) and 623. \nThis account is disputed as inaccurate and unverifiable. Please delete. \nXXXX. All Unauthorized/Incorrect Hard Inquiries If the furnishers can not provide signed application records proving my authorization, delete the inquiries. \nRequested Actions Under FCRA 609 and 611, I request : Full reinvestigation of all accounts Method of verification ( MOV ) Deletion of any account that can not be fully verified Updated credit report mailed to me Thank you, XXXX XXXX XXXX. XXXX XXXX DISPUTE LETTER ( Furnisher ) Send to : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : FCRA XXXX Furnisher Dispute Request for Deletion To whom it may concern, I am disputing the Capital XXXX account ending XXXX. Your company is reporting inaccurate, incomplete, and unverifiable information, including : Conflicting dates of first delinquency Changing charge-off dates Past due amount not matching balance Status showing closed AND charged off Possible re-aging in XXXX Under FCRA 623 ( a ) ( 1 ) ( A ), you are prohibited from reporting inaccurate information to Experian. \nBecause this account can not be verified as accurate, I request : Immediate deletion of this account from all consumer reporting agencies. \nSincerely, XXXX XXXX XXXX. XXXX XXXX DISPUTE LETTER Send to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Dispute Under FCRA 623 Incorrect Reporting I am disputing the Kikoff account ( CLXXXX ) reporting a charge-off of {$85.00}. The listing contains : Incorrect past-due history Missing reporting months Balance conflicts Status updated without activity Inconsistent dates These errors violate FCRA 623. \nBecause you can not verify the accuracy of this reporting, I request the account be deleted from all credit bureaus. \nSincerely, XXXX XXXX XXXX. HARD INQUIRY REMOVAL LETTER Use for any inquiry you did NOT authorize To Whom It May Concern, I am disputing the hard inquiry your company placed on my Experian credit file. \nI did not authorize any credit application with your company. \nUnder FCRA 604, a hard inquiry requires written authorization. \nProvide : A copy of the signed credit application IP address, device information, and timestamp of authorization If you can not provide this within XXXX  days, remove the inquiry immediately. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-19T06:09:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"17317802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-19T05:59:45.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Accounts</em> <em>Disputed</em> XXXX. XXXX XXXX Charged Off Acct ending XXXX ( From report : {$600.00} charge-off ) This <em>account</em> contains the following errors : Dates of delinquency <em>inconsistent</em> Charge-off date <em>inconsistent</em> across months Past due amount conflicts with balance Possible unlawful re-aging in XXXX Status shows Closed at credit grantors request but also Charge-Off This violates FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. \nThis <em>account</em> is <em>disputed</em> as <em>inaccurate</em> and <em>unverifiable</em>."]},"sort":[22.282885,"17317802"]},{"_index":"complaint-public-v1","_id":"15237722","_score":22.129293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Specific Account-by-Account Dispute FCRA 15 U.S.C. 1681i ( a ) & 1681i ( a ) ( 7 ) To Whom It May Concern, This letter is a direct response to your request that I be specific in my concerns by listing account names, numbers, and the nature of each dispute. Below are the disputed items on my Equifax credit file, along with the reasons they are inaccurate and the legal basis for deletion. \n\n\n\nXXXX. XXXX XXXX XXXX Acct. No. XXXX Nature of Dispute : This debt is inaccurate and unverifiable. I have never received original documentation from the original creditor proving my liability for the alleged debt. Dates of delinquency and reported balances are inconsistent with my records. \nFCRA Basis : Under 15 U.S.C. 1681i ( a ), you must conduct a reasonable reinvestigation and provide the method of verification per 1681i ( a ) ( 7 ). If you can not produce original creditor documentation proving the debts accuracy, it must be deleted. \n\n\n\nXXXX. XXXX XXXXXXXX XXXX XXXXXXXX Acct. No. XXXX Nature of Dispute : This account is closed with a {$0.00} balance yet continues to report historical charge-off and delinquency information that is inaccurate and damaging. Dates of first delinquency are inconsistent. \nFCRA Basis : Reporting inaccurate historical data violates 15 U.S.C. 1681e ( b ). If you can not substantiate the exact delinquency dates and amounts with original records, the negative history must be removed. \n\n\n\nXXXX. XXXX XXXX Acct. No. XXXX Nature of Dispute : This account is listed as Closed with a {$150.00} charge-off, but the amount and charge-off date are inaccurate. No proof of the alleged debt, including a signed application or payment history, has been provided. \nFCRA Basis : Under 1681i ( a ), unverifiable information must be removed. Continuing to report disputed, unverified data constitutes willful noncompliance under 1681n.","date_sent_to_company":"2025-08-12T12:31:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"344XX","tags":null,"has_narrative":true,"complaint_id":"15237722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-12T12:26:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Specific <em>Account</em>-by-<em>Account</em> <em>Dispute</em> FCRA 15 U.S.C. 1681i ( a ) & 1681i ( a ) ( 7 ) To <em>Whom</em> It May <em>Concern</em>, This <em>letter</em> is a direct response to your request that I be specific in my <em>concerns</em> by listing <em>account</em> names, numbers, and the nature of each <em>dispute</em>. Below are the <em>disputed</em> items on my Equifax credit file, along with the reasons they are <em>inaccurate</em> and the legal basis for deletion. \n\n\n\nXXXX. XXXX XXXX XXXX Acct. No."]},"sort":[22.129293,"15237722"]},{"_index":"complaint-public-v1","_id":"15765829","_score":21.44737,"_source":{"product":"Debt collection","complaint_what_happened":"Cease and Delete Request Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SSN : XXXX | DOB : XX/XX/XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Cease Reporting & Deletion Request of Inaccurate/Unverifiable Accounts To Whom It May Concern, I am writing to formally dispute and demand the deletion of all inaccurate, unverifiable, and adverse information currently reported on my TransUnion credit file. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i, 1681s-2, 1681b, and 1681c, I have the right to dispute information that can not be fully verified for accuracy and completeness. The following accounts must be deleted as they are inaccurate, unverifiable, or otherwise reported in violation of federal law : - XXXX XXXX XXXX XXXX  from XXXX XXXX XXXX  {$850.00} : Unverified balance and no proper validation of debt. \n- XXXX XXXX XXXX XXXX from XXXX XXXX  {$1300.00} : Reported balance inconsistent with original creditor records and unverifiable. \n- The XXXX XXXX XXXX XXXX from XXXX XXXX XXXX {$3300.00} : Previously disputed, still reported inaccurately without correction. \n- XXXX XXXX XXXX XXXX : Debt not validated ; reporting is incomplete and unverifiable. \n- XXXX XXXX XXXX : No validation provided ; balance and reporting accuracy in dispute. \n- XXXX XXXX XXXX XXXX : Unverified account with incomplete reporting history. \n- XXXX XXXX ( 3 accounts ending in XXXX, XXXX, XXXX ) Charge-offs : Improper reporting and unverifiable balances ; inaccurate status updates. \n- XXXX XXXX XXXX Charge-off : Reported with inconsistencies and unverifiable information. \n- XXXX XXXX XXXX Mortgage account : Negative payment history contains errors, not fully validated, previously disputed without proper reinvestigation. \nUnder 15 U.S.C. 1681i, you are required to conduct a reinvestigation within 30 days. If these accounts can not be fully verified, they must be deleted immediately. Additionally, under 15 U.S.C.\n\n1681n, continued reporting of inaccurate information constitutes willful noncompliance and exposes your agency to legal liability. \nI demand written confirmation of the deletion of these items within 30 days of receipt of this letter. \nSincerely, XXXX XXXX XXXX I already sent this to TransUnion.","date_sent_to_company":"2025-10-15T17:09:32.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"55044","tags":null,"has_narrative":true,"complaint_id":"15765829","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-06T20:52:55.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Cease and Delete Request <em>Letter</em> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SSN : XXXX | DOB : XX/XX/XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Cease Reporting & Deletion Request of <em>Inaccurate</em>/<em>Unverifiable</em> <em>Accounts</em> To <em>Whom</em> It May <em>Concern</em>, I am writing to formally <em>dispute</em> and demand the deletion of all <em>inaccurate</em>, <em>unverifiable</em>, and adverse information currently reported on my TransUnion credit file."]},"sort":[21.44737,"15765829"]},{"_index":"complaint-public-v1","_id":"15980000","_score":21.33214,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX dispute letter Subject : Dispute of Inaccurate XXXX XXXXXXXX Account Reporting Across All Bureaus Body : To Whom It XXXX Concern, I am formally disputing the XXXX XXXXXXXX account XXXX, as reported on my XXXX XXXX XXXX XXXX  XXXX files. The information being reported is inaccurate and inconsistent across the XXXX bureaus, specifically regarding the dates of first delinquency and reported balances. \n\nThis discrepancy is a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires maximum possible accuracy in consumer reporting. Pursuant to FCRA 611 ( a ), I am requesting verification of this account. To date, XXXX XXXX has failed to provide : A copy of any signed agreement bearing my signature, and A complete and accurate payment history supporting the reported information. \n\nSince the furnisher has not provided verifiable documentation, this account is unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), all unverifiable or inaccurate information must be promptly deleted from my credit reports. \n\nAccordingly, I demand the immediate removal of this XXXX XXXX account from my XXXX XXXX XXXX XXXX credit files. Please provide me with written confirmation of your investigation results and the actions taken regarding this dispute. \n\nSincerely, XXXX XXXX XXXX XXXX pl XXXX, MI XXXX XXXX XXXX","date_sent_to_company":"2025-09-16T21:26:04.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"48203","tags":null,"has_narrative":true,"complaint_id":"15980000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-09-16T21:18:30.000Z","state":"MI","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XXXX XXXX <em>dispute</em> <em>letter</em> Subject : <em>Dispute</em> of <em>Inaccurate</em> XXXX XXXXXXXX <em>Account</em> Reporting Across All Bureaus Body : To <em>Whom</em> It XXXX <em>Concern</em>, I am formally <em>disputing</em> the XXXX XXXXXXXX <em>account</em> XXXX, as reported on my XXXX XXXX XXXX XXXX  XXXX files. The information being reported is <em>inaccurate</em> and <em>inconsistent</em> across the XXXX bureaus, specifically regarding the dates of first delinquency and reported balances."]},"sort":[21.33214,"15980000"]},{"_index":"complaint-public-v1","_id":"14867799","_score":20.669165,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Experian, Equifax, and TransUnion RE : FORMAL NOTICE OF DISPUTE UNDER FCRA, FDCPA, AND XXXX XXXX - IMMEDIATE REMOVAL DEMAND DUE TO INACCURATE, UNVERIFIABLE, AND FRAUDULENT INFORMATION To Whom It May Concern, This letter serves as a formal dispute and legal demand for immediate investigation and permanent deletion of all the inaccurate, incomplete, unverifiable, and/or fraudulent accounts listed below. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), and XXXX XXXX compliance standards, and I am a documented victim of identity theft. \nUnder FCRA 611, you are required to conduct a reasonable investigation within 30 days of this notice and Formal Dispute Letter - XXXX XXXX remove any information that can not be verified with original source documentation.\n\nTHE FOLLOWING ACCOUNTS MUST BE REMOVED IMMEDIATELY : 1. XXXX XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX  - Charge-offs with conflicting information, unverifiable balances ( {$12000.00} and {$6600.00} ), and incomplete payment history. \n2. XXXX XXXX ( Account ending in XXXX ) - Duplicate listings ( {$4400.00} and {$1200.00} ), unverifiable data, and inconsistent reporting. Must be deleted. \n3. XXXX XXXX ( Charge-off account ending in XXXX ) - Inconsistent reporting across bureaus, disputed under FDCPA 809 ( b ). \n4. XXXXXXXX XXXX XXXXXXXX XXXX - Identity Theft Indicator - These may be fraudulent accounts. Under FCRA 605B, I demand a block of this information. \n5. Any other derogatory account lacking full XXXX XXXX compliance ( missing XXXX, incorrect status codes, or conflicting balance updates ). \nI DEMAND : - Permanent deletion of the above accounts - Full results of reinvestigation and source of verification - Updated credit reports sent to all recipients within the last 6 months ( per FCRA 611 ) Formal Dispute Letter - FCRA/FDCPA/Metro 2 NOTICE OF INTENT : Failure to comply will result in complaints filed with the CFPB, FTC, and legal action under FCRA 616 and FDCPA 813.\n\nThis is your legal notice. Cease and desist reporting fraudulent or inaccurate accounts immediately.","date_sent_to_company":"2025-07-24T03:46:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90723","tags":null,"has_narrative":true,"complaint_id":"14867799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-24T03:45:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Experian, Equifax, and TransUnion RE : FORMAL NOTICE OF <em>DISPUTE</em> UNDER FCRA, FDCPA, AND XXXX XXXX - IMMEDIATE REMOVAL DEMAND DUE TO <em>INACCURATE</em>, <em>UNVERIFIABLE</em>, AND FRAUDULENT INFORMATION To <em>Whom</em> It May <em>Concern</em>, This <em>letter</em> serves as a formal <em>dispute</em> and legal demand for immediate investigation and permanent deletion of all the <em>inaccurate</em>, incomplete, <em>unverifiable</em>, and/or fraudulent <em>accounts</em> listed"]},"sort":[20.669165,"14867799"]},{"_index":"complaint-public-v1","_id":"12405167","_score":20.664745,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Inaccurate Credit Information ( Account # XXXX ) ) To Whom It May Concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file regarding the above-referenced account with XXXX/XXXX  XXXX. The details across TransUnion and Experian reports are inconsistent and incorrect. Please consider this letter as a formal request to investigate, validate, and correct the following inaccuracies : Disputed Items : TransUnion : The account is inaccurately marked as \" Collection account '' with an \" Indeterminate '' status. However, the balance is reported as {$0.00}, and no payments have been missed. \n\nI request a thorough investigation and the removal of the \" Collection account '' status if it can not be verified with valid documentation. \n\nExperian : The account inaccurately reflects multiple late payments, including XXXX  late ( XXXX  days ), XXXX  late ( XXXX  days ), and XXXX  late ( XXXX  days ).\n\nThe status \" Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' contradicts the fact that the account balance is {$0.00} and has been transferred to another lender. \n\nI request a full investigation and correction or removal of all inaccurate late payment notations and account status. \n\nRequested Actions : Provide me with written validation from the original creditor for the reporting details. \n\nCorrect any inaccurate information or delete unverifiable data from my credit file. \n\nUpdate the status across all credit bureaus to ensure consistency. \n\nSend me written confirmation once the investigation has been completed.","date_sent_to_company":"2025-03-10T23:17:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38125","tags":null,"has_narrative":true,"complaint_id":"12405167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-10T23:17:01.000Z","state":"TN","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":["Subject : Formal <em>Dispute</em> of <em>Inaccurate</em> Credit Information ( <em>Account</em> # XXXX ) ) To <em>Whom</em> It May <em>Concern</em>, I am writing to formally <em>dispute</em> the <em>inaccurate</em> and <em>inconsistent</em> information being reported on my credit file regarding the above-referenced <em>account</em> with XXXX/XXXX  XXXX. The details across TransUnion and Experian reports are <em>inconsistent</em> and incorrect."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[20.664745,"12405167"]},{"_index":"complaint-public-v1","_id":"12405498","_score":20.66429,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Inaccurate Credit Information ( Account # XXXX ) ) To Whom It May Concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file regarding the above-referenced account with XXXX/XXXX  XXXX. The details across TransUnion and Experian reports are inconsistent and incorrect. Please consider this letter as a formal request to investigate, validate, and correct the following inaccuracies : Disputed Items : TransUnion : The account is inaccurately marked as \" Collection account '' with an \" Indeterminate '' status. However, the balance is reported as {$0.00}, and no payments have been missed. \n\nI request a thorough investigation and the removal of the \" Collection account '' status if it can not be verified with valid documentation. \n\nExperian : The account inaccurately reflects multiple late payments, including XXXX  late ( XXXX  days ), XXXX  late ( XXXX  days ), and XXXX  late ( XXXX  days ).\n\nThe status \" Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' contradicts the fact that the account balance is {$0.00} and has been transferred to another lender. \n\nI request a full investigation and correction or removal of all inaccurate late payment notations and account status. \n\nRequested Actions : Provide me with written validation from the original creditor for the reporting details. \n\nCorrect any inaccurate information or delete unverifiable data from my credit file. \n\nUpdate the status across all credit bureaus to ensure consistency. \n\nSend me written confirmation once the investigation has been completed.","date_sent_to_company":"2025-03-10T23:17:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38125","tags":null,"has_narrative":true,"complaint_id":"12405498","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-10T23:10:20.000Z","state":"TN","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":["Subject : Formal <em>Dispute</em> of <em>Inaccurate</em> Credit Information ( <em>Account</em> # XXXX ) ) To <em>Whom</em> It May <em>Concern</em>, I am writing to formally <em>dispute</em> the <em>inaccurate</em> and <em>inconsistent</em> information being reported on my credit file regarding the above-referenced <em>account</em> with XXXX/XXXX  XXXX. The details across TransUnion and Experian reports are <em>inconsistent</em> and incorrect."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[20.66429,"12405498"]},{"_index":"complaint-public-v1","_id":"12405892","_score":20.66302,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Inaccurate Credit Information ( Account # XXXX / XXXX ) To Whom It May Concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file regarding the above-referenced account with XXXX XXXX. The details across TransUnion and Equifax reports are inconsistent and incorrect. Please consider this letter as a formal request to investigate, validate, and correct the following inaccuracies : Disputed Items : Equifax : The payment history inaccurately reflects late payments, including XXXX late ( XXXX XXXX ), XXXX late ( XXXX XXXX ), and XXXX late ( XXXX XXXX ) over the past XXXX years. \n\nThe status \" At least XXXX XXXX or more than XXXX payments past due '' is incorrect as the account was paid as agreed. \n\nI request immediate correction or removal of inaccurate late payment history and proper reporting of the account 's paid status. \n\nTransUnion : The payment history inaccurately reflects late payments, including XXXX late ( XXXX XXXX ), XXXX late ( XXXX XXXX ), and XXXX late ( XXXX XXXX ). \n\nThe account is marked as \" Paid or paying as agreed, '' but the late payment history contradicts this status. \n\nI request a full investigation and the removal of all inaccurate late payment notations. \n\nRequested Actions : Provide me with written validation from the original creditor for the reporting details. \n\nCorrect any inaccurate information or delete unverifiable data from my credit file. \n\nUpdate the status across all credit bureaus to ensure consistency. \n\nSend me written confirmation once the investigation has been completed.","date_sent_to_company":"2025-03-10T23:09:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38125","tags":null,"has_narrative":true,"complaint_id":"12405892","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-10T23:05:23.000Z","state":"TN","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":["Subject : Formal <em>Dispute</em> of <em>Inaccurate</em> Credit Information ( <em>Account</em> # XXXX / XXXX ) To <em>Whom</em> It May <em>Concern</em>, I am writing to formally <em>dispute</em> the <em>inaccurate</em> and <em>inconsistent</em> information being reported on my credit file regarding the above-referenced <em>account</em> with XXXX XXXX. The details across TransUnion and Equifax reports are <em>inconsistent</em> and incorrect."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[20.66302,"12405892"]},{"_index":"complaint-public-v1","_id":"14867257","_score":20.6628,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Experian, Equifax, and TransUnion RE : FORMAL NOTICE OF DISPUTE UNDER FCRA, FDCPA, AND XXXX XXXX - IMMEDIATE REMOVAL DEMAND DUE TO INACCURATE, UNVERIFIABLE, AND FRAUDULENT INFORMATION To Whom It May Concern, This letter serves as a formal dispute and legal demand for immediate investigation and permanent deletion of all the inaccurate, incomplete, unverifiable, and/or fraudulent accounts listed below. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), and XXXX XXXX compliance standards, and I am a documented victim of identity theft. \nUnder FCRA 611, you are required to conduct a reasonable investigation within 30 days of this notice and Formal Dispute Letter - XXXX XXXX remove any information that can not be verified with original source documentation.\n\nTHE FOLLOWING ACCOUNTS MUST BE REMOVED IMMEDIATELY : 1. XXXX XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX  - Charge-offs with conflicting information, unverifiable balances ( {$12000.00} and {$6600.00} ), and incomplete payment history. \n2. XXXX XXXX ( Account ending in XXXX ) - Duplicate listings ( {$4400.00} and {$1200.00} ), unverifiable data, and inconsistent reporting. Must be deleted. \n3. XXXX XXXX ( Charge-off account ending in XXXX ) - Inconsistent reporting across bureaus, disputed under FDCPA 809 ( b ). \n4. XXXXXXXX XXXX XXXXXXXX XXXX - Identity Theft Indicator - These may be fraudulent accounts. Under FCRA 605B, I demand a block of this information. \n5. Any other derogatory account lacking full XXXX XXXX compliance ( missing XXXX, incorrect status codes, or conflicting balance updates ). \nI DEMAND : - Permanent deletion of the above accounts - Full results of reinvestigation and source of verification - Updated credit reports sent to all recipients within the last 6 months ( per FCRA 611 ) Formal Dispute Letter - FCRA/FDCPA/Metro 2 NOTICE OF INTENT : Failure to comply will result in complaints filed with the CFPB, FTC, and legal action under FCRA 616 and FDCPA 813.\n\nThis is your legal notice. Cease and desist reporting fraudulent or inaccurate accounts immediately.","date_sent_to_company":"2025-07-24T03:46:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90723","tags":null,"has_narrative":true,"complaint_id":"14867257","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-24T03:33:16.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Experian, Equifax, and TransUnion RE : FORMAL NOTICE OF <em>DISPUTE</em> UNDER FCRA, FDCPA, AND XXXX XXXX - IMMEDIATE REMOVAL DEMAND DUE TO <em>INACCURATE</em>, <em>UNVERIFIABLE</em>, AND FRAUDULENT INFORMATION To <em>Whom</em> It May <em>Concern</em>, This <em>letter</em> serves as a formal <em>dispute</em> and legal demand for immediate investigation and permanent deletion of all the <em>inaccurate</em>, incomplete, <em>unverifiable</em>, and/or fraudulent <em>accounts</em> listed"]},"sort":[20.6628,"14867257"]},{"_index":"complaint-public-v1","_id":"14867798","_score":20.659605,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Experian, Equifax, and TransUnion RE : FORMAL NOTICE OF DISPUTE UNDER FCRA, FDCPA, AND XXXX XXXX - IMMEDIATE REMOVAL DEMAND DUE TO INACCURATE, UNVERIFIABLE, AND FRAUDULENT INFORMATION To Whom It May Concern, This letter serves as a formal dispute and legal demand for immediate investigation and permanent deletion of all the inaccurate, incomplete, unverifiable, and/or fraudulent accounts listed below. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), and XXXX XXXX compliance standards, and I am a documented victim of identity theft. \nUnder FCRA 611, you are required to conduct a reasonable investigation within 30 days of this notice and Formal Dispute Letter - XXXX XXXX remove any information that can not be verified with original source documentation.\n\nTHE FOLLOWING ACCOUNTS MUST BE REMOVED IMMEDIATELY : 1. XXXX XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX  - Charge-offs with conflicting information, unverifiable balances ( {$12000.00} and {$6600.00} ), and incomplete payment history. \n2. XXXX XXXX ( Account ending in XXXX ) - Duplicate listings ( {$4400.00} and {$1200.00} ), unverifiable data, and inconsistent reporting. Must be deleted. \n3. XXXX XXXX ( Charge-off account ending in XXXX ) - Inconsistent reporting across bureaus, disputed under FDCPA 809 ( b ). \n4. XXXXXXXX XXXX XXXXXXXX XXXX - Identity Theft Indicator - These may be fraudulent accounts. Under FCRA 605B, I demand a block of this information. \n5. Any other derogatory account lacking full XXXX XXXX compliance ( missing XXXX, incorrect status codes, or conflicting balance updates ). \nI DEMAND : - Permanent deletion of the above accounts - Full results of reinvestigation and source of verification - Updated credit reports sent to all recipients within the last 6 months ( per FCRA 611 ) Formal Dispute Letter - FCRA/FDCPA/Metro 2 NOTICE OF INTENT : Failure to comply will result in complaints filed with the CFPB, FTC, and legal action under FCRA 616 and FDCPA 813.\n\nThis is your legal notice. Cease and desist reporting fraudulent or inaccurate accounts immediately.","date_sent_to_company":"2025-07-24T03:46:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90723","tags":null,"has_narrative":true,"complaint_id":"14867798","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-24T03:45:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Experian, Equifax, and TransUnion RE : FORMAL NOTICE OF <em>DISPUTE</em> UNDER FCRA, FDCPA, AND XXXX XXXX - IMMEDIATE REMOVAL DEMAND DUE TO <em>INACCURATE</em>, <em>UNVERIFIABLE</em>, AND FRAUDULENT INFORMATION To <em>Whom</em> It May <em>Concern</em>, This <em>letter</em> serves as a formal <em>dispute</em> and legal demand for immediate investigation and permanent deletion of all the <em>inaccurate</em>, incomplete, <em>unverifiable</em>, and/or fraudulent <em>accounts</em> listed"]},"sort":[20.659605,"14867798"]},{"_index":"complaint-public-v1","_id":"12401146","_score":20.655478,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Inaccurate Credit Information ( Account # XXXX / XXXX ) To Whom It May Concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file regarding the above-referenced account with XXXX XXXX. The details across TransUnion and Equifax reports are inconsistent and incorrect. Please consider this letter as a formal request to investigate, validate, and correct the following inaccuracies : Disputed Items : Equifax : The payment history inaccurately reflects late payments, including XXXX late ( XXXX XXXX ), XXXX late ( XXXX XXXX ), and XXXX late ( XXXX XXXX ) over the past XXXX years. \n\nThe status \" At least XXXX XXXX or more than XXXX payments past due '' is incorrect as the account was paid as agreed. \n\nI request immediate correction or removal of inaccurate late payment history and proper reporting of the account 's paid status. \n\nTransUnion : The payment history inaccurately reflects late payments, including XXXX late ( XXXX XXXX ), XXXX late ( XXXX XXXX ), and XXXX late ( XXXX XXXX ). \n\nThe account is marked as \" Paid or paying as agreed, '' but the late payment history contradicts this status. \n\nI request a full investigation and the removal of all inaccurate late payment notations. \n\nRequested Actions : Provide me with written validation from the original creditor for the reporting details. \n\nCorrect any inaccurate information or delete unverifiable data from my credit file. \n\nUpdate the status across all credit bureaus to ensure consistency. \n\nSend me written confirmation once the investigation has been completed.","date_sent_to_company":"2025-03-10T23:09:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38125","tags":null,"has_narrative":true,"complaint_id":"12401146","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-10T23:08:49.000Z","state":"TN","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Dispute</em> of <em>Inaccurate</em> Credit Information ( <em>Account</em> # XXXX / XXXX ) To <em>Whom</em> It May <em>Concern</em>, I am writing to formally <em>dispute</em> the <em>inaccurate</em> and <em>inconsistent</em> information being reported on my credit file regarding the above-referenced <em>account</em> with XXXX XXXX. The details across TransUnion and Equifax reports are <em>inconsistent</em> and incorrect."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[20.655478,"12401146"]},{"_index":"complaint-public-v1","_id":"13602122","_score":20.436886,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I've sent this letter to all XXXX Credit Reporting Agencies To Whom It May Concern, I am formally disputing the inaccurate and unverifiable information listed on my credit report regarding the following account : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by : TransUnion, Experian, Equifax Violations and Inaccuracies : Inconsistent Reporting Dates : Date Last Active varies by bureau, ranging from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, violating FCRA 607 ( b ).\n\nMisreported Credit Limit : Experian shows a {$0.00} credit limit, while others show {$1200.00}. This can artificially damage my credit utilization ratio and is materially inaccurate.\n\nBalance Reporting and Charge-off Timing Conflict : Charge-off status does not align with payment activity ( last payment made XXXX  ). This contradicts proper charge-off protocol per FCRA and FDCPA. \n\nFailure to Provide Validation : Under FCRA 609 and FDCPA 809, you are required to show documented proof of the original signed agreement and the chain of custody of this debt. No such documentation has been provided. \n\nConsumer Dispute Already Active : As noted in Equifaxs comments, a reinvestigation is pending. Continued reporting of unverifiable data during dispute is prohibited under FCRA 611.\n\nResolution Demanded : I demand that you : Immediately remove this account from all three credit bureaus. \n\nCease reporting this unverifiable and inconsistent data. \n\nProvide full validation documents, including original contracts and payment history, within 30 days. \n\nFailure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), as well as legal action for damages under FCRA 616 and 617. \n\nPlease provide written confirmation that this item has been removed. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-19T16:26:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07305","tags":null,"has_narrative":true,"complaint_id":"13602122","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-19T16:25:35.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I've sent this <em>letter</em> to all XXXX Credit Reporting Agencies To <em>Whom</em> It May <em>Concern</em>, I am formally <em>disputing</em> the <em>inaccurate</em> and <em>unverifiable</em> information listed on my credit report regarding the following <em>account</em> : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by : TransUnion, Experian, Equifax Violations and Inaccuracies : <em>Inconsistent</em> Reporting Dates : Date Last Active varies by bureau, ranging from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, violating FCRA 607 ( b )."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[20.436886,"13602122"]},{"_index":"complaint-public-v1","_id":"13601401","_score":20.436886,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I've sent this letter to all XXXX Credit Reporting Agencies To Whom It May Concern, I am formally disputing the inaccurate and unverifiable information listed on my credit report regarding the following account : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by : TransUnion, Experian, Equifax Violations and Inaccuracies : Inconsistent Reporting Dates : Date Last Active varies by bureau, ranging from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, violating FCRA 607 ( b ).\n\nMisreported Credit Limit : Experian shows a {$0.00} credit limit, while others show {$1200.00}. This can artificially damage my credit utilization ratio and is materially inaccurate.\n\nBalance Reporting and Charge-off Timing Conflict : Charge-off status does not align with payment activity ( last payment made XXXX  ). This contradicts proper charge-off protocol per FCRA and FDCPA. \n\nFailure to Provide Validation : Under FCRA 609 and FDCPA 809, you are required to show documented proof of the original signed agreement and the chain of custody of this debt. No such documentation has been provided. \n\nConsumer Dispute Already Active : As noted in Equifaxs comments, a reinvestigation is pending. Continued reporting of unverifiable data during dispute is prohibited under FCRA 611.\n\nResolution Demanded : I demand that you : Immediately remove this account from all three credit bureaus. \n\nCease reporting this unverifiable and inconsistent data. \n\nProvide full validation documents, including original contracts and payment history, within 30 days. \n\nFailure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), as well as legal action for damages under FCRA 616 and 617. \n\nPlease provide written confirmation that this item has been removed. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-19T16:26:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07305","tags":null,"has_narrative":true,"complaint_id":"13601401","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-19T16:11:41.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I've sent this <em>letter</em> to all XXXX Credit Reporting Agencies To <em>Whom</em> It May <em>Concern</em>, I am formally <em>disputing</em> the <em>inaccurate</em> and <em>unverifiable</em> information listed on my credit report regarding the following <em>account</em> : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by : TransUnion, Experian, Equifax Violations and Inaccuracies : <em>Inconsistent</em> Reporting Dates : Date Last Active varies by bureau, ranging from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, violating FCRA 607 ( b )."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[20.436886,"13601401"]},{"_index":"complaint-public-v1","_id":"13584748","_score":20.434635,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I've sent this letter to all XXXX Credit Reporting Agencies To Whom It May Concern, I am formally disputing the inaccurate and unverifiable information listed on my credit report regarding the following account : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by : TransUnion, Experian, Equifax Violations and Inaccuracies : Inconsistent Reporting Dates : Date Last Active varies by bureau, ranging from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, violating FCRA 607 ( b ).\n\nMisreported Credit Limit : Experian shows a {$0.00} credit limit, while others show {$1200.00}. This can artificially damage my credit utilization ratio and is materially inaccurate.\n\nBalance Reporting and Charge-off Timing Conflict : Charge-off status does not align with payment activity ( last payment made XXXX  ). This contradicts proper charge-off protocol per FCRA and FDCPA. \n\nFailure to Provide Validation : Under FCRA 609 and FDCPA 809, you are required to show documented proof of the original signed agreement and the chain of custody of this debt. No such documentation has been provided. \n\nConsumer Dispute Already Active : As noted in Equifaxs comments, a reinvestigation is pending. Continued reporting of unverifiable data during dispute is prohibited under FCRA 611.\n\nResolution Demanded : I demand that you : Immediately remove this account from all three credit bureaus. \n\nCease reporting this unverifiable and inconsistent data. \n\nProvide full validation documents, including original contracts and payment history, within 30 days. \n\nFailure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), as well as legal action for damages under FCRA 616 and 617. \n\nPlease provide written confirmation that this item has been removed. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-19T16:26:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07305","tags":null,"has_narrative":true,"complaint_id":"13584748","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-19T16:25:35.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I've sent this <em>letter</em> to all XXXX Credit Reporting Agencies To <em>Whom</em> It May <em>Concern</em>, I am formally <em>disputing</em> the <em>inaccurate</em> and <em>unverifiable</em> information listed on my credit report regarding the following <em>account</em> : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by : TransUnion, Experian, Equifax Violations and Inaccuracies : <em>Inconsistent</em> Reporting Dates : Date Last Active varies by bureau, ranging from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, violating FCRA 607 ( b )."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[20.434635,"13584748"]},{"_index":"complaint-public-v1","_id":"13601799","_score":20.356209,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX th Ive sent this letter to all 3 credit reporting agencies To Whom It May Concern, This is a formal dispute of the inaccurate and unverifiable information being reported on my credit file regarding : Creditor : XXXX XXXX Account Number : XXXX * * * * Reported by : TransUnion, Experian Disputed Inaccuracies : Date Opened Conflict : TU reports XX/XX/year> ; EXP reports XX/XX/year> and last Active differs This is a clear FCRA 607 ( b ) violation the data is inconsistent. \n\nFalse {$0.00} Credit Limit : Misleads utilization metrics. XXXX uses flexible limits this is inaccurately reported and must be corrected or removed. \n\nPast Due Amount Does Not Match Balance : This raises suspicion of inflated balances and is inconsistent with industry standards. \n\nFailure to Validate : Under FCRA 609 and FDCPA 809, I demand the full validation of this debt including the original signed contract and full payment history. If you can not provide this within 30 days, you are legally required to remove the item. \n\nAccount Under Dispute : You are reporting an account as disputed ( \" consumer disagrees '' ), but failing to resolve it properly as per FCRA 611 ( a ). \n\nResolution Required : I demand the immediate deletion of this account from my credit file across all reporting agencies. If this account is not removed within 30 days, I will proceed with complaints to the CFPB, FTC, and may take legal action under FCRA XXXX  for damages due to inaccurate and harmful reporting. \n\nPlease mail confirmation of deletion to my address listed above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-19T16:42:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07305","tags":null,"has_narrative":true,"complaint_id":"13601799","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-19T16:42:11.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX th Ive sent this <em>letter</em> to all 3 credit reporting agencies To <em>Whom</em> It May <em>Concern</em>, This is a formal <em>dispute</em> of the <em>inaccurate</em> and <em>unverifiable</em> information being reported on my credit file regarding : Creditor : XXXX XXXX <em>Account</em> Number : XXXX * * * * Reported by : TransUnion, Experian <em>Disputed</em> Inaccuracies : Date Opened Conflict : TU reports XX/XX/year> ; EXP reports XX/XX/year> and last Active differs This is a clear FCRA 607 ( b ) violation the data is <em>inconsistent</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[20.356209,"13601799"]},{"_index":"complaint-public-v1","_id":"13591062","_score":20.356209,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX th Ive sent this letter to all 3 credit reporting agencies To Whom It May Concern, This is a formal dispute of the inaccurate and unverifiable information being reported on my credit file regarding : Creditor : XXXX XXXX Account Number : XXXX * * * * Reported by : TransUnion, Experian Disputed Inaccuracies : Date Opened Conflict : TU reports XX/XX/year> ; EXP reports XX/XX/year> and last Active differs This is a clear FCRA 607 ( b ) violation the data is inconsistent. \n\nFalse {$0.00} Credit Limit : Misleads utilization metrics. XXXX uses flexible limits this is inaccurately reported and must be corrected or removed. \n\nPast Due Amount Does Not Match Balance : This raises suspicion of inflated balances and is inconsistent with industry standards. \n\nFailure to Validate : Under FCRA 609 and FDCPA 809, I demand the full validation of this debt including the original signed contract and full payment history. If you can not provide this within 30 days, you are legally required to remove the item. \n\nAccount Under Dispute : You are reporting an account as disputed ( \" consumer disagrees '' ), but failing to resolve it properly as per FCRA 611 ( a ). \n\nResolution Required : I demand the immediate deletion of this account from my credit file across all reporting agencies. If this account is not removed within 30 days, I will proceed with complaints to the CFPB, FTC, and may take legal action under FCRA XXXX  for damages due to inaccurate and harmful reporting. \n\nPlease mail confirmation of deletion to my address listed above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-19T16:42:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07305","tags":null,"has_narrative":true,"complaint_id":"13591062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-19T16:42:11.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX th Ive sent this <em>letter</em> to all 3 credit reporting agencies To <em>Whom</em> It May <em>Concern</em>, This is a formal <em>dispute</em> of the <em>inaccurate</em> and <em>unverifiable</em> information being reported on my credit file regarding : Creditor : XXXX XXXX <em>Account</em> Number : XXXX * * * * Reported by : TransUnion, Experian <em>Disputed</em> Inaccuracies : Date Opened Conflict : TU reports XX/XX/year> ; EXP reports XX/XX/year> and last Active differs This is a clear FCRA 607 ( b ) violation the data is <em>inconsistent</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[20.356209,"13591062"]},{"_index":"complaint-public-v1","_id":"13600205","_score":20.349653,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX th Ive sent this letter to all 3 credit reporting agencies To Whom It May Concern, This is a formal dispute of the inaccurate and unverifiable information being reported on my credit file regarding : Creditor : XXXX XXXX Account Number : XXXX * * * * Reported by : TransUnion, Experian Disputed Inaccuracies : Date Opened Conflict : TU reports XX/XX/year> ; EXP reports XX/XX/year> and last Active differs This is a clear FCRA 607 ( b ) violation the data is inconsistent. \n\nFalse {$0.00} Credit Limit : Misleads utilization metrics. XXXX uses flexible limits this is inaccurately reported and must be corrected or removed. \n\nPast Due Amount Does Not Match Balance : This raises suspicion of inflated balances and is inconsistent with industry standards. \n\nFailure to Validate : Under FCRA 609 and FDCPA 809, I demand the full validation of this debt including the original signed contract and full payment history. If you can not provide this within 30 days, you are legally required to remove the item. \n\nAccount Under Dispute : You are reporting an account as disputed ( \" consumer disagrees '' ), but failing to resolve it properly as per FCRA 611 ( a ). \n\nResolution Required : I demand the immediate deletion of this account from my credit file across all reporting agencies. If this account is not removed within 30 days, I will proceed with complaints to the CFPB, FTC, and may take legal action under FCRA XXXX  for damages due to inaccurate and harmful reporting. \n\nPlease mail confirmation of deletion to my address listed above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-19T16:42:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07305","tags":null,"has_narrative":true,"complaint_id":"13600205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-19T16:26:38.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX th Ive sent this <em>letter</em> to all 3 credit reporting agencies To <em>Whom</em> It May <em>Concern</em>, This is a formal <em>dispute</em> of the <em>inaccurate</em> and <em>unverifiable</em> information being reported on my credit file regarding : Creditor : XXXX XXXX <em>Account</em> Number : XXXX * * * * Reported by : TransUnion, Experian <em>Disputed</em> Inaccuracies : Date Opened Conflict : TU reports XX/XX/year> ; EXP reports XX/XX/year> and last Active differs This is a clear FCRA 607 ( b ) violation the data is <em>inconsistent</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[20.349653,"13600205"]},{"_index":"complaint-public-v1","_id":"14295209","_score":20.183678,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute Under the Fair Credit Reporting Act Request for Deletion of Unverifiable, Inaccurate, and Obsolete Information To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to dispute the following entries on my Experian credit report dated XXXX. These accounts contain inaccurate, outdated, or unverifiable information and must be permanently removed. \n\nDisputed Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Acct ending in XXXX Charge-off with no activity since XXXX, unverifiable balance still reporting. \nXXXX. XXXX  XXXX Accts ending in XXXX & XXXX Duplicative and unverifiable charge-off balances and inconsistent histories. \nXXXX. XXXX XXXX Acct ending in XXXX Balance inflated from {$1500.00} to {$2100.00} with no payment activity ; chain of title required. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX Status shows Purchased by another lender yet still reporting negative data. \n\nLegal Basis for Deletion : FCRA 1681i ( a ) : Unverified info must be deleted within 30 days. \nFCRA 1681e ( b ) : Requires maximum possible accuracy.\n\nFCRA 1681c ( a ) : Negative entries older than 7 years must be removed.\n\nFCRA 1681s-2 ( b ) : Data furnishers must verify disputed information.","date_sent_to_company":"2025-06-25T10:40:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"53208","tags":null,"has_narrative":true,"complaint_id":"14295209","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-25T10:27:33.000Z","state":"WI","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":["These <em>accounts</em> contain <em>inaccurate</em>, outdated, or <em>unverifiable</em> information and must be permanently removed. \n\n<em>Disputed</em> <em>Accounts</em> : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Acct ending in XXXX Charge-off with no activity since XXXX, <em>unverifiable</em> balance still reporting. \nXXXX. XXXX  XXXX Accts ending in XXXX & XXXX Duplicative and <em>unverifiable</em> charge-off balances and <em>inconsistent</em> histories. \nXXXX."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[20.183678,"14295209"]},{"_index":"complaint-public-v1","_id":"15900772","_score":20.160368,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Credit Reporting under the FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my Experian credit report, as I have the right to do under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.\n\nThe account listed below contains inaccurate and unverifiable information and must be corrected or deleted : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status Reported : Charged off, {$1200.00} past due as of XX/XX/XXXX Basis of Dispute : The reported balance and past-due amount of {$1200.00} are not accurate and are inconsistent with my records. \n\nThe charge-off status is being reported in a misleading and incomplete manner, which negatively impacts my credit profile. \n\nThe dates and account history appear inconsistent, and Experian has not provided verification from the original creditor. \n\nUnder the FCRA, Experian is required to : Conduct a reasonable investigation of my dispute, Verify the accuracy of this information with the original furnisher, and Delete or correct any information that can not be verified.\n\nPlease complete your reinvestigation within 30 days of receiving this letter and provide me with written results, including an updated copy of my credit report. If the furnisher can not verify the information, you must remove it from my report. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-09-12T19:07:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30106","tags":null,"has_narrative":true,"complaint_id":"15900772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-12T19:07:22.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : <em>Dispute</em> of <em>Inaccurate</em> Credit Reporting under the FCRA To <em>Whom</em> It May <em>Concern</em>, I am writing to formally <em>dispute</em> <em>inaccurate</em> information being reported on my Experian credit report, as I have the right to do under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[20.160368,"15900772"]},{"_index":"complaint-public-v1","_id":"15899187","_score":20.158531,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Credit Reporting under the FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my Experian credit report, as I have the right to do under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.\n\nThe account listed below contains inaccurate and unverifiable information and must be corrected or deleted : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status Reported : Charged off, {$1200.00} past due as of XX/XX/XXXX Basis of Dispute : The reported balance and past-due amount of {$1200.00} are not accurate and are inconsistent with my records. \n\nThe charge-off status is being reported in a misleading and incomplete manner, which negatively impacts my credit profile. \n\nThe dates and account history appear inconsistent, and Experian has not provided verification from the original creditor. \n\nUnder the FCRA, Experian is required to : Conduct a reasonable investigation of my dispute, Verify the accuracy of this information with the original furnisher, and Delete or correct any information that can not be verified.\n\nPlease complete your reinvestigation within 30 days of receiving this letter and provide me with written results, including an updated copy of my credit report. If the furnisher can not verify the information, you must remove it from my report. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-09-12T19:07:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30106","tags":null,"has_narrative":true,"complaint_id":"15899187","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-12T18:44:43.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : <em>Dispute</em> of <em>Inaccurate</em> Credit Reporting under the FCRA To <em>Whom</em> It May <em>Concern</em>, I am writing to formally <em>dispute</em> <em>inaccurate</em> information being reported on my Experian credit report, as I have the right to do under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[20.158531,"15899187"]},{"_index":"complaint-public-v1","_id":"11381607","_score":20.15412,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Inaccurate Information- Accounts with XXXX XXXX. \n\nTo Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information listed on my credit report under the Fair Credit Reporting Act ( FCRA ) 609 and 611. I recently reviewed my credit report, and I found inconsistencies in the accounts attached below : This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all affirm inc, accounts removed immediately. \n15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b Additionally, I expect written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting the removal, within 15 days of the date of this letter. Failure to comply with these requirements will leave me no choice but to pursue further legal remedies.","date_sent_to_company":"2025-01-04T20:02:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"236XX","tags":null,"has_narrative":true,"complaint_id":"11381607","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-04T20:01:59.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dispute</em> of <em>Inaccurate</em> Information- <em>Accounts</em> with XXXX XXXX. \n\nTo <em>Whom</em> It May <em>Concern</em>, I am writing to formally <em>dispute</em> <em>inaccurate</em> and <em>unverifiable</em> information listed on my credit report under the Fair Credit Reporting Act ( FCRA ) 609 and 611. I recently reviewed my credit report, and I found <em>inconsistencies</em> in the <em>accounts</em> attached below : This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA."]},"sort":[20.15412,"11381607"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":662,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":662}]}},"product":{"doc_count":662,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":571,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":568},{"key":"Other personal consumer report","doc_count":3}]}},{"key":"Debt collection","doc_count":73,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":43},{"key":"Other debt","doc_count":11},{"key":"Auto debt","doc_count":7},{"key":"Credit card debt","doc_count":5},{"key":"Rental debt","doc_count":3},{"key":"Federal student loan debt","doc_count":2},{"key":"Payday loan debt","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Credit card","doc_count":6,"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":5},{"key":"Store credit card","doc_count":1}]}},{"key":"Student loan","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":3},{"key":"Private student loan","doc_count":2}]}},{"key":"Vehicle loan or lease","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":4}]}},{"key":"Checking or savings 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