{"took":386,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":10,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7995053","_score":28.223692,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute a Payday loan collection entry that appears on my credit report, specifically related to an account attributed to XXXX. I am not familiar with this debt, and I have never taken out a loan from XXXX. To the best of my knowledge, this entry is inaccurate, and I request its immediate removal from my credit report. \n\nUpon reviewing my credit report, I observed an entry from a collections agency indicating a Payday loan debt with XXXX. The reported amount and the alleged occurrence date are from the year XXXX. However, I have not received any documentation or notice from XXXX regarding this loan. The lack of communication from the alleged original lender is concerning, as I have not been given the opportunity to address or verify the legitimacy of this debt. \n\nI have taken all necessary precautions to safeguard my personal information, and the appearance of this debt is both unexpected and unwarranted.","date_sent_to_company":"2023-12-13T16:51:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":null,"has_narrative":true,"complaint_id":"7995053","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"V and H Portfolio","date_received":"2023-12-13T16:43:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally <em>dispute</em> a <em>Payday</em> <em>loan</em> <em>collection</em> <em>entry</em> that <em>appears</em> on my <em>credit</em> <em>report</em>, specifically related to an account attributed to XXXX. I am not familiar with this debt, and I have never taken out a <em>loan</em> from XXXX. To the best of my knowledge, this <em>entry</em> is inaccurate, and I request its immediate removal from my <em>credit</em> <em>report</em>. \n\nUpon reviewing my <em>credit</em> <em>report</em>, I observed an <em>entry</em> from a <em>collections</em> agency indicating a <em>Payday</em> <em>loan</em> debt with XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[28.223692,"7995053"]},{"_index":"complaint-public-v1","_id":"7998680","_score":27.779465,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute a Payday loan collection entry that appears on my credit report, specifically related to an account attributed to MoneyKey. I am not familiar with this debt, and I have never taken out a loan from MoneyKey. To the best of my knowledge, this entry is inaccurate, and I request its immediate removal from my credit report. \n\nUpon reviewing my credit report, I observed an entry from a collections agency indicating a Payday loan debt with MoneyKey. The reported amount and the alleged occurrence date are from the year 2021. However, I have not received any documentation or notice from MoneyKey regarding this loan. The lack of communication from the alleged original lender is concerning, as I have not been given the opportunity to address or verify the legitimacy of this debt. \n\nI have taken all necessary precautions to safeguard my personal information, and the appearance of this debt is both unexpected and unwarranted.","date_sent_to_company":"2023-12-14T22:59:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":null,"has_narrative":true,"complaint_id":"7998680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"2288984 Ontario Inc.","date_received":"2023-12-13T16:51:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally <em>dispute</em> a <em>Payday</em> <em>loan</em> <em>collection</em> <em>entry</em> that <em>appears</em> on my <em>credit</em> <em>report</em>, specifically related to an account attributed to MoneyKey. I am not familiar with this debt, and I have never taken out a <em>loan</em> from MoneyKey. To the best of my knowledge, this <em>entry</em> is inaccurate, and I request its immediate removal from my <em>credit</em> <em>report</em>. \n\nUpon reviewing my <em>credit</em> <em>report</em>, I observed an <em>entry</em> from a <em>collections</em> agency indicating a <em>Payday</em> <em>loan</em> debt with MoneyKey."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[27.779465,"7998680"]},{"_index":"complaint-public-v1","_id":"14298326","_score":18.769459,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXXXXXX XXXX XXXXXXXX as well as ZocaLoans / Rosebud Lending for engaging in predatory lending, materially inaccurate credit reporting, and ongoing collection attempts on an illegal and disputed loan in violation of Indiana law and federal consumer protections. \n\nXXXX. Incorrect Credit Reporting ( FCRA Violation ) XXXXXXXX XXXX XXXX and ROSEBUD LENDING ( ZOCA LOANS ) has reported a collection account to the credit bureaus that they claim was opened in XX/XX/XXXX, but it was reported with a last update date of XX/XX/XXXX. This is a false, deceptive, and inaccurate credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ).\n\nThis inaccurate date re-ages the debt, making it appear more recent and damaging than it actually is. This is a common tactic used by abusive lenders to manipulate credit scoring and pressure consumers into repayment and considered fraudulent.\n\n2. Financial Abuse 742.95 % APR in Violation of Indiana Usury Laws ZocaLoans charged me an APR of 742.95 %, which violates Indianas strict usury limits under IC 24-4.5 : Loans under {$2000.00} are capped at ~36 % APR.\n\nPayday loans have a maximum effective APR around 391 % ( with strict fee limits and licensing ).\n\nLoans exceeding these caps are considered void and uncollectible under Indiana law. \n\nZocaLoans has no known Indiana license to operate as a lender or payday provider and is charging criminal-level interest rates to low-income residents like myself.\n\n3. Tribal Affiliation Used to Evade the Law While ZocaLoans claims to be a tribal lender associated with the Rosebud XXXX XXXX, it is widely documented that it is operated by private equity firm XXXX XXXX in Florida. Several class-action lawsuits have been filed against ZocaLoans for : Violating state interest caps Forcing arbitration to avoid accountability Operating without proper licensure Despite these legal challenges, they continue to operate nationwide and exploit consumers using tribal branding as a shield.\n\n4. Deceptive and Aggressive Collection Behavior Although the loan terms are unlawful and unconscionable, ZocaLoans continues to : Report false information to the credit bureaus through correcting agencies such as XXXX XXXX XXXX XXXX Attempt collection through credit damage and implied threats Violate the Fair Debt Collection Practices Act ( FDCPA ) by continuing collection attempts on a debt that is legally void under state law 4. Cease and Desist Under FDCPA As permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that ZocaLoans, Rosebud Lending, their agents, collectors, and affiliates : Cease and desist all contact with me, including phone calls, emails, letters, and credit reporting, effective immediately. \n\nI have disputed the validity of this debt and consider all further attempts to collect it a violation of both state law and federal consumer protection statutes.\n\nAny continued collection efforts including credit reporting will result in additional complaints and civil legal action for : Financial abuse Deceptive practices Illegal credit reporting Emotional distress and reputational damage Supporting Documents : I have retained a copy of the loan agreement, including the stated APR of 742.95 %. I can provide this and screenshots of the credit report entries listed below.\n\nConsumer Harm : I was a low-income borrower in Indiana, and I was misled into accepting a loan with illegal and abusive terms. I am now suffering credit damage, stress, and ongoing financial instability due to this unlawful account. \n\nPlease intervene on behalf of consumers like me who are being exploited by illegal, high-interest lenders hiding behind tribal affiliation and complex legal shields.","date_sent_to_company":"2025-06-26T10:14:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46256","tags":null,"has_narrative":true,"complaint_id":"14298326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rosebud Economic Development Corporation","date_received":"2025-06-26T10:14:15.000Z","state":"IN","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":["Incorrect <em>Credit</em> <em>Reporting</em> ( FCRA Violation ) XXXXXXXX XXXX XXXX and ROSEBUD LENDING ( ZOCA <em>LOANS</em> ) has <em>reported</em> a <em>collection</em> account to the <em>credit</em> bureaus that they claim was opened in XX/XX/XXXX, but it was <em>reported</em> with a last update date of XX/XX/XXXX. This is a false, deceptive, and inaccurate <em>credit</em> <em>report</em> in violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ).\n\nThis inaccurate date re-ages the debt, making it <em>appear</em> more recent and damaging than it actually is."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[18.769459,"14298326"]},{"_index":"complaint-public-v1","_id":"15206774","_score":14.253407,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against multiple furnishers, collection agencies, and credit reporting agencies for knowingly reporting false, outdated, unverifiable, and inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and other applicable laws. These errors have caused me severe financial and emotional harm, denial of credit, and damage to my personal and professional reputation. \nXXXX XXXX XXXX XXXX, XXXX  XXXX Issue : This address is completely inaccurate. I have never lived here, received mail here, or been associated with this property in any way. \nLaw : FCRA 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure maximum possible accuracy. Reporting this false address is a direct violation. \nStory : Because this address appears on my credit file, lenders have questioned my identity, suspected possible fraud, and in some cases denied my applications for credit and housing. This has forced me to repeatedly explain to creditors that I have no connection to this location. It has also made me fearful of identity theft, as I do not know how my name became associated with this address. The time and emotional energy spent disputing this has disrupted my work and personal life. I demand immediate deletion from all credit bureau records. \nXXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : This is another false address that has never been associated with me. \nLaw : FCRA 611 and 607 ( b ) require consumer data to be accurate and verifiable.\n\nStory : This address has caused confusion during credit applications, where Ive been asked to confirm previous residences that I have never heard of. This creates suspicion that my identity has been compromised. I have lost credibility with lenders and suffered emotional distress, as these false addresses suggest possible fraudulent activity. My reputation and financial security are at risk. I demand its immediate removal. \nXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$480.00} Chargeoff XXXX XXXX Issue : This account is inaccurately reported as a charge-off without proper validation. \nLaw : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing known inaccurate information ; FDCPA 15 U.S.C. 1692g requires validation before reporting. \nStory : I have never received any original signed contract or clear proof that this account belongs to me. The reporting of a charge-off has significantly reduced my credit score, causing credit card issuers to lower my available limits and deny me new applications. This has created financial instability and made it difficult to manage emergencies. I have had to explain this false debt to potential landlords, which has been humiliating and stressful. I demand complete deletion of this entry. \nXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$730.00} Chargeoff XXXX XXXX Issue : This charge-off is reported inaccurately, and I dispute the validity of the debt. \nLaw : FCRA 607 ( b ) requires reasonable procedures for maximum possible accuracy.\n\nStory : This false derogatory account has made me appear as a high-risk borrower, resulting in loan rejections and much higher interest rates on the few loans I could obtain. It has caused financial setbacks, forcing me to pay XXXX  of dollars more in interest over time. This is an unjust penalty based on information that has not been verified and should be removed immediately. \nXXXX  Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2800.00} Late Payment XXXX XXXX  Issue : Late payments are reported inaccurately and without proper verification. \nLaw : FCRA 623 ( a ) and 611 ( a ) require investigation of disputed information. \nStory : These alleged late payments have damaged my reputation with lenders, making it harder for me to get fair credit terms. The inaccurate payment history has been used against me when applying for auto financing, causing me to lose a vehicle purchase opportunity. This error has created emotional strain and has wasted my time disputing something that should never have been reported inaccurately in the first place. \nXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$25000.00} Late Payment XXXX XXXX Issue : This account shows unverified late payments. \nLaw : FCRA 607 ( b ) and 623 ( a ) apply ; creditors must ensure accuracy. \nStory : Because of these false late payment entries, I have been denied refinancing options that could have lowered my monthly payments and improved my financial stability. This has trapped me in a higher interest loan, costing me XXXX  of dollars over the years. The reporting of false payment data is not only inaccurate but financially devastating. I demand immediate correction or deletion. \nXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1600.00} Collection XXXX XXXX Issue : This collection account is unverified and possibly linked to identity theft. \nLaw : FDCPA 809 ( b ) and FCRA 611 ( a ) require validation before reporting. \nStory : I have never been notified of this alleged debt, and its sudden appearance has caused my credit score to drop dramatically. This has prevented me from being approved for a mortgage and delayed my ability to secure stable housing. The emotional distress from seeing false debts appear is severe, and I fear continued damage to my creditworthiness if this is not deleted immediately. \nXXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$500.00} Collection XXXX XXXX Issue : I dispute this collection account entirely. \nLaw : FDCPA 807 prohibits false representation of debts ; FCRA 623 ( a ) applies. \nStory : XXXX XXXX has failed to provide validation. Their false reporting has caused me to be rejected for credit cards and personal loans, leaving me unable to cover unexpected expenses. This has created significant financial stress and embarrassment when my applications are denied. \nXXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1800.00} Collection XXXX XXXX Issue : Inaccurate, unverified entry. \nLaw : FCRA 611 requires proper reinvestigation. \nStory : This false account has contributed to a negative credit profile, forcing me into higher-cost lending options such as payday loans, which have trapped me in a cycle of debt. This is a direct consequence of inaccurate reporting. \nXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$880.00} Collection XXXX XXXX Issue : Disputed as unverified. \nLaw : FCRA XXXX applies. \nStory : This entry is damaging my creditworthiness, preventing me from moving forward with financial goals such as purchasing a home. \nRESOLUTION REQUESTED I demand the CFPB investigate these violations, compel furnishers and credit bureaus to : Remove all inaccurate addresses Delete unverifiable and duplicate accounts Remove all unauthorized hard inquiries Provide me with written proof of validation for any remaining accounts Failure to comply should result in regulatory enforcement and possible penalties under FCRA 616 and 617.","date_sent_to_company":"2025-08-11T23:03:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77090","tags":null,"has_narrative":true,"complaint_id":"15206774","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-11T22:59:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Story : This false account has contributed to a negative <em>credit</em> profile, forcing me into higher-cost lending options such as <em>payday</em> <em>loans</em>, which have trapped me in a cycle of debt. This is a direct consequence of inaccurate <em>reporting</em>. \nXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$880.00} <em>Collection</em> XXXX XXXX Issue : <em>Disputed</em> as unverified. \nLaw : FCRA XXXX applies."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.253407,"15206774"]},{"_index":"complaint-public-v1","_id":"15943434","_score":13.86947,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'To Whom It May Concern,\\nThis is a formal complaint regarding multiple inaccurate, unverifiable, duplicative, and unauthorized items reported on my credit report. These items violate the Fair Credit Reporting Act (FCRA 15 U.S.C. 1681), the Fair Debt Collection Practices Act (FDCPA 15 U.S.C. 1692), and related consumer protection laws. I request immediate investigation, permanent deletion, and written confirmation of the resolution of the following disputed accounts and inquiries.\\nWRONG ADDRESSES REPORTED (Identity Confusion & FCRA Violation)\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX   Wrong Address\\n This wrong address gives the impression I lived at a location where fraudulent accounts were possibly opened Using this against me without proof is a violation of FCRA and is blocking me from obtaining fair credit opportunitiesXXXX XXXX XXXX XXXX  TX XXXX  Wrong Address\\n The reporting of this address has made me a victim of mistaken identity and I am constantly facing denials because creditors believe I have unstable housing history which is false This has caused emotional distress and unfair treatment\\nACCOUNTS REPORTED WITH ERRORS & VIOLATIONS\\XXXX XXXX   High Balance: XXXX  Date Opened: XXXX  Status: Charge Off\\n This account has been reported as a charge off without proper validation and without proof of ownership I dispute this account as inaccurate, incomplete, and unverified Under FCRA  609 and  611 the furnisher must provide proof of signed agreement, payment history, and chain of title None has been provided to me This is a violation of my rights and must be deleted immediately Because of this false reporting I was denied credit for basic needs and treated unfairly in applications for housing landlords assumed I was unreliable This single item has lowered my credit score by hundreds of points causing serious hardshipXXXX XXXX   High Balance: $XXXX   Date Opened: XXXX   Status: Charge Off\\n This account has been wrongfully reported as charged off and damages my creditworthiness I never received proper validation or itemized accounting under FDCPA  809(b) The reporting is inaccurate, misleading, and unverifiable Therefore under FCRA and FDCPA this must be removed As a result of this false account I have been harassed by calls from collectors and threatened with legal action I was denied a car loan and had to pay higher interest on another loan because my report showed a charge off that does not belong to me This is unfair treatment and must be corrected\\nXXXX XXXX XXXX High Balance: $XXXX  Date Opened: XXXX  Status: Charge Off\\n This charge off is being reported without full validation of debt and without compliance to required notice of adverse reporting XXXX XXXX has failed to provide proof of the original signed agreement and accounting records This is a direct violation of FCRA  623(a) which requires accurate and verifiable reporting This wrongful charge off has created hardship in my daily life because I was declined for small emergency credit and had to rely on expensive alternatives The negative mark has also damaged my reputation making me look irresponsible when in reality I never received proof this debt even exists\\XXXX XXXX XXXX   High Balance: XXXX  Date Opened: XXXX  Status: Charge Off\\n This account was reported as charged off incorrectly without giving me the right to dispute before reporting as required under FCRA  623(a)(7) and FDCPA The continued reporting of this item without proper validation and verification constitutes willful negligence and must be permanently deleted Because of this false entry I lost the opportunity to refinance my loan at a lower interest rate and I am forced to pay XXXX  more every month in higher payments The financial stress caused by this has impacted my family and well-being This is an unfair burden created by false reportingXXXX XXXX  High Balance: $XXXX  Date OpenedXXXX XXXX   Status: Charge Off\\n This account is reported as a charge off without proper validation or proof Under FCRA  609 and  611 I am entitled to documentation which has never been provided This makes the account inaccurate and unlawful Because of this wrongful report I was denied approval for a personal loan which forced me into payday lending at extremely high interest rates I have been paying extra money every month that could have been saved for my family essentials This false reporting also damaged my reputation with my employer who ran a background check and questioned my reliabilityXXXX XXXX   High Balance: XXXX  Date Opened: XXXX  Status: Charge Off\\n This account is reported as a charge off without any signed contract or evidence of debt ownership The reporting is unverifiable misleading and violates FCRA  623(a) As a result of this false charge off I was denied credit cards that I needed for emergency medical expenses I had to borrow money from friends and family creating emotional stress and humiliation This entry lowered my score by hundreds of points limiting my opportunities for stable housing and job advancement\\XXXX XXXX XXXX XXXX  High Balance: XXXX   Date Opened: XXXX   Status: Charge Off\\n This account is inaccurate and unverifiable Furnishers have failed to provide documentation or notices before reporting negative information This violates my consumer rights  Because of this wrongful charge off I was rejected from multiple apartment applications and had to settle for less safe and more expensive housing My family suffered from the instability caused by not having fair housing opportunities directly because of this reportingXXXX XXXX XXXX  High Balance: XXXX   Date Opened: XXXX   Status: Charge Off\\n This large charge off was reported without proper validation No payment record or chain of ownership was ever given Reporting unverifiable debt violates FCRA  607(b) This false entry blocked me from purchasing a reliable vehicle I needed for work I was forced to use unreliable transportation which caused me to lose job opportunities and income The financial and emotional harm is severe and ongoing every dayXXXX XXXX XXXX   High Balance: XXXX  Date Opened: XXXX  Status: Late Payment\\n This account shows late payments which are not accurate and have not been validated Credit bureaus are required to report maximum possible accuracy but failed in this case These wrongful late marks destroyed my ability to refinance my home loan at a lower rate My monthly payments are now much higher than they should be and I have lost XXXX of dollars over time because of inaccurate reporting It also created unnecessary stress within my household and affected my mental healthXXXX XXXX XXXX  High Balance: XXXX   Date Opened: XXXX  Status: Charge Off\\n XXXX XXXX  has reported a charge off without verifying the debt I never received proof of ownership or detailed accounting which is required under FDCPA  809(b) This false reporting made me lose access to fair car financing and I had to rely on high-interest auto loans This increased my monthly payments dramatically and made it harder to support my family financially The stress has affected my health and peace of mind\\nXXXX XXXX XXXX   High Balance: XXXX   Date Opened: XXXX   Status: Charge Off\\n This account is reported as a charge off without proper verification The entry is inaccurate and misleading under FCRA requirements Because of this I was denied small lines of credit needed to cover daily household expenses I had to skip necessary purchases and delay utility bills creating hardship for my family This false report also caused embarrassment in front of lenders\\XXXX XXXX XXXX XXXX   High Balance: XXXX   Date Opened: XXXX XXXXatus: Collection\\n This collection account is being reported without proper validation XXXX XXXX  is known for buying old debts without accurate records Reporting unverifiable data is unlawful under FCRA and FDCPA Because of this I have been harassed by constant phone calls and letters causing emotional distress I was denied financial aid programs that could have helped me improve my situation This false reporting continues to damage my opportunities for rebuilding my life\\XXXX XXXX XXXX XXXX   High Balance: XXXX  Date Opened: XXXX  Status: Collection\\nThis collection account has been reported without any validation or documentation No signed agreement or billing statements have ever been provided which makes the report inaccurate  This entry has caused me to be declined for basic services like utility and cell phone accounts forcing me to pay deposits and extra fees I was treated like a high-risk customer for something that is not mine This is unjust and unlawful\\nXXXX XXXX XXXX XXXX  High Balance: XXXX  Date Opened: XXXX  Status: CollectionXXXX is reporting a collection without producing proof of ownership or original account details This makes the entry unverifiable and misleading under FCRA  623(a) As a result I was rejected from a rental housing application and treated as high risk by landlords This has directly harmed my familys stability and created unnecessary emotional stress\\nXXXX XXXX XXXX XXXX   High Balance: XXXX   Date Opened: XXXX   Status: Collection\\nThis collection is inaccurate and unverifiable XXXX has a record of reporting debts without original documentation or proper assignment This violates FCRA and FDCPA requirements Because of this entry I lost the chance to consolidate my debt with a lower interest program My financial hardship worsened as I had to continue paying higher interest rates on existing accounts\\nXXXX XXXX XXXX XXXX  High Balance: XXXX  Date Opened: XXXX   Status: Collection\\nThis account was reported without any proof of ownership or consumer liability I never received account statements or validation It is therefore unverifiable and unlawful This false report caused me embarrassment when a potential employer reviewed my credit history and raised concerns about my financial responsibility It affected my career opportunities\\XXXX XXXX XXXX XXXX   High Balance: XXXX  Date Opened: XXXX  Status: Collection\\nThis is another XXXX entry reported without proof and it appears to duplicate other listings This practice inflates the amount of negative data on my report and misleads creditors This false report caused me to pay higher deposits for utility services and prevented me from accessing fair credit terms\\nXXXX XXXX XXXX XXXX   High Balance: XXXX  Date Opened: XXXX  Status: Collection\\nThis collection is being reported without validation and without proper documentation I never received any communication with proof of debt ownership This is a violation of FDCPA  809(b) This account has harmed me by preventing access to credit cards for daily household needs I had to rely on costly payday loans as an alternative leading to financial hardship\\nXXXX XXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX  Collection\\nThis account is inaccurate and unverifiable. XXXX XXXX  is known for purchasing alleged debts without proper documentation and attempting to collect without furnishing a valid contract or chain of assignment. No original signed agreement, complete payment history, or validation of ownership has ever been provided. Continuing to report this account is a violation of FCRA 611(a) because the accuracy cannot be verified and FDCPA 809(b) because debt validation was never furnished. This is causing me direct harm in credit denials and financial opportunities\\XXXX XXXX High Balance: XXXX  Date Opened: XXXX  Collection\\nThis reporting is misleading and harmful. I have never entered into a contract with XXXX and they have failed to provide any proof that they legally own or have the right to collect this alleged debt. The account is reported with vague information, no original creditor data, and no validation as required under FDCPA. FCRA mandates maximum accuracy, yet the reporting of this account is damaging my reputation and causing undue stress. This is a clear violation of FCRA 607(b) and FDCPA 809\\nXXXX XXXX High Balance: XXXX Date OpenedXXXX XXXX Collection\\nThis item is fraudulent and cannot be verified. I have no knowledge of this account, and Centralportf has never contacted me with proof of ownership, validation, or any supporting documents. Reporting this with such minimal and unverifiable details violates FCRA because the account is not accurate nor substantiated. The fact that it appears on my credit report without prior notice or validation is reckless and in direct violation of federal consumer laws\\nXXXXXXXX XXXX XXXX High Balance: XXXX  Date Opened: XXXX Collection\\nThis account is being reported inaccurately and without validation. XXXX XXXX XXXX frequently reports duplicate and inconsistent balances which creates misleading credit information. No original agreement or account-level documentation has been presented to prove this debt. This constitutes re-aging and misrepresentation which is illegal under FDCPA 807(2)(A). This false reporting has resulted in personal hardship and is harming my creditworthiness\\XXXX XXXX XXXX  High Balance: XXXX  Date Opened: XXXX Collection\\nThis is a duplicate and inconsistent entry with the previous XXXX account. Reporting the same alleged debt multiple times with different balances is a deceptive practice and misleads creditors and scoring models. This violates FCRA 607(b) because the information is not accurate nor complete. I demand this duplicate entry be removed immediately as it is damaging my financial standing\\XXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX  Collection\\nThis account is reported without proper validation or legal proof. Midland has not provided a signed contract, statements, or proof of ownership of the alleged debt. Without proper validation, this account cannot remain under FCRA 611 and FDCPA 809. The inaccurate reporting has caused loss of credit opportunities, higher interest rates, and emotional distress. This account must be deleted immediatelyXXXX XXXX XXXX High Balance: XXXX Date Opened: XXXX XXXXollection\\nPortfolio Recovery has reported this account inaccurately without providing any proof of the debt or the right to collect it. The account contains vague and incomplete data, no original agreement, and no evidence of assignment. This is a direct violation of FDCPA and FCRA standards requiring maximum possible accuracy. Reporting unverified accounts causes severe harm to my credit profile and must be corrected immediately\\nDISPUTED HARD INQUIRIES\\XXXX XXXX XXXX Inquiry\\nThis inquiry was performed without my authorization and was not related to any application I made. Unauthorized inquiries damage my credit score, making it harder for me to access loans and other financial services, and create a misleading impression of my credit activityXXXX XXXX  Inquiry\\nNo authorization was provided for this inquiry. This inaccurate entry negatively impacts my credit score, which limits my ability to obtain housing, personal loans, or emergency crediXXXX XXXX XXXX XXXX Inquiry\\nUnauthorized. I never requested this credit pull. It is unfairly damaging my credit profile and giving lenders a false impression of my credit-seeking behavior.\\nXXXX XXXX XXXX  Inquiry\\nUnauthorized. The inquiry was performed without consent, negatively impacting my ability to obtain fair credit.\\nXXXX XXXX Inquiry\\nUnauthorized. I did not consent to this inquiry. Its presence on my report has lowered my credit score and created additional challenges in obtaining credit.\\nXXXX XXXX XXXX XXXX  Inquiry\\nThis inquiry was performed without my authorization and is inaccurate. It negatively affects my credit profile and financial reputation.\\nXXXX XXXX XXXX XXXX XXXX Inquiry\\nUnauthorized. This entry misrepresents my credit activity and harms my ability to access fair loan and credit options.\\nHARDSHIP & IMPACT\\nAll of the above accounts and inquiries are inaccurate, unverifiable, duplicative, or unauthorized. The false reporting has caused denial of credit, higher interest rates, loss of housing opportunities, emotional stress, and reputational harm. Reporting unverifiable collections or unauthorized inquiries is a violation of FCRA 607(b), 609, 611, and FDCPA 807809. I have suffered significant financial losses and distress due to these unlawful reporting practices.\\nDEMAND FOR RESOLUTION\\nI demand immediate deletion or correction of all unverifiable, inaccurate, duplicate, or unauthorized accounts and inquiries listed above. Written confirmation of deletions and assurances that no reinsertion will occur without full compliance with FCRA 611(a)(5)(B) is required.\\nFailure to comply will result in further complaints to the FTC, Texas Attorney General, and potential legal action for damages under FCRA and FDCPA.'","date_sent_to_company":"2025-09-15T17:59:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77075","tags":null,"has_narrative":true,"complaint_id":"15943434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-15T17:56:12.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["violation of FDCPA  809(b) This account has harmed me by preventing access to <em>credit</em> cards for daily household needs I had to rely on costly <em>payday</em> <em>loans</em> as an alternative leading to financial hardship\\nXXXX XXXX XXXX XXXX  High Balance: XXXX Date Opened: XXXX  <em>Collection</em>\\nThis account is inaccurate and unverifiable."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.86947,"15943434"]},{"_index":"complaint-public-v1","_id":"15623909","_score":13.810684,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. The following accounts and inquiries are being reported inaccurately, in duplicate, or without proper validation. I dispute each account in full. These items have caused me significant financial harm, credit denials, housing issues, employment impacts, and severe emotional distress. \nXXXX XXXX CT # A XXXX, TX XXXX Wrong Address I have no connection to this address. A potential landlord refused to approve my rental application because this address showed up, making it seem like I had an unstable living history. This caused me embarrassment in front of my family, who witnessed me being denied housing. Under FCRA 609 and 611, I have the right to dispute and receive proof, but no verification was provided. This has had a serious negative effect on my life. \nXXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This wrong address makes it appear that I have moved frequently or been involved in possible fraudulent activity. Because of this, I was treated unfairly when applying for a credit increase, and the creditor cited too many inconsistent addresses as a reason to deny me. This made me feel humiliated and trapped financially. Under FDCPA 807, misrepresentation of consumer information is strictly prohibited. \nXXXX Acct : XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Charge Off This charge off was reported without validation. I was never shown a signed contract or itemized breakdown of how this balance was calculated. Because of this account, my credit score dropped significantly, and I was denied a personal loan I needed to cover medical expenses. This caused me to delay treatment, which increased my stress and health struggles. FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 809 require accurate reporting and validation, which were ignored. \nXXXX Acct : XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off even though I dispute its accuracy. I was never properly notified or given validation. Because of this negative account, I was rejected for a small business loan that I had applied for to expand my income. The denial caused financial strain on my household, forcing me to borrow from friends and family, which damaged my personal relationships. Under FCRA 602 ( a ), inaccurate reporting destroys trust in the credit system, and that is exactly what happened to me. \nXXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$390.00} Charge Off This small account continues to cause large damage. Even though it is reported as a charge off, no proof or validation has been provided. Because of this, my score was lowered, which led to me paying a much higher interest rate on my auto loan than I should have. Over the life of the loan, this costs me thousands of extra dollars. FCRA 611 ( a ) ( 5 ) requires deletion of unverifiable accounts, but the bureaus have failed to act. \nXXXX Acct XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off This account is reported inaccurately. No original agreement has been shown, and no validation provided. Because of this false reporting, I lost a job opportunity after the employers background check flagged this account. I felt ashamed and defeated because this error cost me a chance at better employment. FDCPA 807 ( 8 ) prohibits furnishers from providing false or misleading information, yet this continues to happen. \nXXXX Acct : XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off This charge off has never been validated. The reporting is misleading and harmful. I was denied a credit card application because of this account, which limited my ability to build positive credit history. I also had to rely on payday loans at extremely high interest rates, which pushed me deeper into financial stress. FCRA 609 ( c ) ( 1 ) ( E ) guarantees the right to documentation, but I never received it. \nXXXX Acct : XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment This account is showing late payments that I dispute. I was never shown full records or proof of these late payments. Because of this inaccurate reporting, I was denied a business loan that I had applied for to start a small business. This denial has limited my ability to improve my financial situation, kept me trapped in debt, and caused significant emotional distress. FCRA 623 ( a ) ( 1 ) requires furnishers to report accurately, and FCRA 611 requires deletion when unverifiable. \nXXXX Acct XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off, but I never received any proper validation or itemized accounting of this debt. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurately, and under FDCPA 809, I have a right to debt validation. Because of this charge off, I was denied a store credit card when I applied to build positive history. This denial was humiliating and limited my financial growth. It also forced me to use cash advances from other accounts, which increased my debt burden and stress. \nXXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  High Balance : {$510.00} Date Opened : XX/XX/XXXX Charge Off This account is disputed in full. No proof of ownership or signed agreement was ever provided. The balance is small, yet it has had a devastating effect on my credit profile. Because of this charge off, I was denied financing for necessary home repairs, which left me in unsafe living conditions longer than necessary. Under FCRA 609 and 611, I am entitled to verification, and without it, this item must be deleted. \nXXXX XXXX  XXXX Acct : XXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXX Charge Off This charge off is inaccurate and unverified. I requested validation and never received documentation. Because of this negative reporting, I was denied approval for a car loan, and instead had to accept a predatory loan with a much higher interest rate. Over time, this has cost me thousands of dollars that I should not have had to pay. The emotional stress of being treated as if I am irresponsible, when in reality the account is unverifiable, has caused lasting harm. FCRA 611 ( a ) ( 5 ) requires deletion of unverifiable items, yet this furnisher continues to damage my profile. \nXXXX XXXXXXXX XXXX XXXXXXXX Acct : XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off without proper documentation. I dispute it completely. Because of this account, my score dropped, and I was denied a rental application. The landlord viewed me as high risk because of this charge off, and I was left scrambling to find housing. This created stress for me and my family. Under FDCPA 807 ( 8 ), furnishers are prohibited from reporting false credit information, yet this violation continues. \nXXXX XXXX Acct : XXXX High Balance : {$3300.00} Date Opened : XX/XX/XXXX Charge Off This account is inaccurately reported and has never been properly validated. Because of this charge off, I was denied a business loan that I had applied for to expand my income opportunities. This not only hurt me financially but also prevented me from improving my familys living conditions. The ongoing damage has caused stress, sleepless nights, and humiliation. FCRA 623 ( a ) ( 1 ) ( A ) requires accuracy, and FDCPA 807 prohibits misrepresentation. This item must be deleted immediately. \nXXXX XXXX Acct : XXXX High Balance : {$800.00} Date Opened : XX/XX/XXXX Charge Off This charge off is inaccurate and unverified. I was never provided a signed contract or itemized statement of the alleged debt. Because of this reporting, I was denied approval for a small credit card that could have helped me rebuild my credit. This forced me to rely on high-interest cash loans, which placed me in financial hardship. Under FCRA 611 and FDCPA 809, unverifiable information can not remain on my file. \nXXXXXXXX XXXX XXXXXXXX Acct : XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off This account is disputed in full. The reported balance and charge off status have never been validated. Because of this negative account, my auto loan application was rejected, forcing me to continue driving an unreliable vehicle. This caused ongoing stress and safety concerns for my family. The furnisher is in violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting. \nXXXX XXXX XXXX XXXX XXXX Acct : XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off This appears to be a duplicate entry of the previous account, which is misleading and damaging. Duplicate reporting inflates negative information and severely impacts my credit score. Because of this duplication, I was denied housing and had to settle for a less desirable rental, which was humiliating and stressful. FCRA 607 ( b ) requires maximum possible accuracy, and duplicate reporting violates that standard. \nXXXXXXXX XXXX XXXXXXXX Acct : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments, which I dispute. No proper records or validation were provided to me. Because of this reporting, my mortgage pre-approval was delayed, and I lost out on a home that I wanted to purchase for my family. The emotional toll of this denial was devastating. Under FCRA 623 ( a ) ( 1 ), furnishers must report accurately, and unverifiable late payments can not remain. \nXXXX  XXXX Acct : XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off * This charge off has never been validated. Because of this account, I was denied a consolidation loan that could have helped me manage my debts responsibly. Instead, I was forced to juggle multiple high-interest payments, causing extreme financial stress. This inaccurate reporting has kept me trapped in debt. FCRA 609 ( c ) ( 1 ) ( E ) guarantees my right to documentation, which has not been provided. \nXXXX Acct : XXXX High Balance : {$38000.00} Date Opened : XX/XX/XXXX Late Payment This account is reported with late payments, which I dispute. I was never provided complete proof or a proper history of these alleged late payments. Because of this reporting, my insurance company raised my premium after reviewing my credit, costing me significantly more money each month. This is unfair and harmful. Under FCRA 611 and 607 ( b ), inaccurate reporting must be corrected or deleted. \nXXXX XXXX Acct : XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge off without validation or proper documentation. Because of this negative item, I was denied a basic credit card that I applied for to rebuild my history. Instead, I was forced to depend on payday loans with extreme interest, which created financial instability for me and my family. Under FCRA 611, unverifiable information must be deleted. \nXXXX XXXX Acct : XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Charge Off This appears to be a duplicate or conflicting entry of the above account, with different balances but the same furnisher. Duplicate reporting is misleading, inflates the severity of negative information, and unfairly lowers my score. Because of this duplicate, my auto refinance application was denied, and I was forced to continue paying a higher interest rate. This duplication violates FCRA 607 ( b ), which requires maximum possible accuracy. \nXXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Collection This account is reported as a collection without proper validation. I never received proof of ownership or any signed agreement regarding this debt. Because of this reporting, I was denied approval for a secured loan, which would have helped me consolidate debts. The denial kept me stuck paying higher interest, which caused financial hardship. Under FDCPA 809, debt collectors must validate before reporting, which was not done. \nXXXX XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Collection This collection account is disputed in full. No verification has been provided. Because of this item, my rental application was denied by a landlord, who considered me high risk due to negative accounts. This created housing insecurity and significant stress for me and my family. FCRA 609 and 611 guarantee my right to verification, which has not been fulfilled. \nXXXX  Acct : XXXX High Balance : {$360.00} Date Opened : XX/XX/XXXX Collection This collection account is also reported without validation. Because of this, my job application with a financial services company was rejected after a credit check. This was humiliating and cost me a valuable career opportunity. Reporting unverifiable debt violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807.\n\nXXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection This appears to be another duplicate entry, reported with a different balance but the same furnisher. Duplicate reporting is damaging, misleading, and unlawful under FCRA 607 ( b ). Because of this duplicate, I was denied a credit limit increase, which could have helped me manage expenses responsibly. Instead, I was forced into more costly borrowing options, causing financial harm. \nXXXX  XXXX High Balance : {$460.00} Date Opened : XX/XX/XXXX Collection This account is reported as a collection without proper validation. I was never provided signed documentation or proof of debt ownership. Because of this item, I was denied approval for a personal loan, forcing me to rely on expensive payday loans, which increased financial stress and created tension within my household. Under FCRA 611 and FDCPA 809, unverifiable collections must be removed. \nXXXX XXXX High Balance : {$860.00} Date Opened : XX/XX/XXXX Collection This collection is disputed in full. No validation was ever provided to me. Due to this reporting, my credit score was lowered, and I was denied a car lease that I had applied for. Losing this opportunity caused emotional distress and inconvenience in commuting to work, negatively affecting my livelihood. FCRA 623 ( a ) ( 1 ) ( A ) requires accuracy in reporting, and this account violates that requirement. \nXXXX XXXX Acct : XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Collection This collection account is unverified and inaccurate. Due to this, I was denied approval for a rental property, forcing my family into less suitable housing. This created undue stress and logistical challenges for my household. FDCPA 807 prohibits reporting unverified debts. \nXXXX XXXX Acct : XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection I dispute this account in full. No proof or itemized records were provided. Because of this, I was denied a small business loan, limiting my ability to increase income. This caused financial strain and personal stress. FCRA 609 and 611 guarantee my right to verification. \nHard Inquiries XXXX XXXX XXXX XXXX XXXX, XXXX XXXX All the inquiries listed above are unauthorized and/or were conducted without my explicit consent. These hard inquiries have negatively impacted my credit score, leading to loan denials, higher interest rates, and increased financial costs. Under FCRA 604 ( a ), each hard inquiry requires permissible purpose, which was not met in some instances. I dispute the validity of all these inquiries and request their removal. \nConclusion All above accounts and inquiries are inaccurate, unverifiable, duplicated, or unauthorized. Their presence has caused : Loan and credit denials Housing application rejections Employment and business opportunity loss Higher interest rates on valid accounts Family stress and emotional distress Under FCRA and FDCPA, unverifiable, duplicate, or unauthorized reporting must be deleted immediately. I demand prompt action and reserve my right to escalate through legal and regulatory channels if unresolved.","date_sent_to_company":"2025-08-30T18:36:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"778XX","tags":null,"has_narrative":true,"complaint_id":"15623909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-30T18:34:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX <em>Collection</em> This <em>appears</em> to be another duplicate <em>entry</em>, <em>reported</em> with a different balance but the same furnisher. Duplicate <em>reporting</em> is damaging, misleading, and unlawful under FCRA 607 ( b ). Because of this duplicate, I was denied a <em>credit</em> limit increase, which could have helped me manage expenses responsibly. Instead, I was forced into more costly borrowing options, causing financial harm."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.810684,"15623909"]},{"_index":"complaint-public-v1","_id":"15938348","_score":13.582146,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'To Whom It May Concern,\\nThis is a formal complaint regarding multiple inaccurate, unverifiable, duplicative, and unauthorized items reported on my credit report. These items violate the Fair Credit Reporting Act (FCRA 15 U.S.C. 1681), the Fair Debt Collection Practices Act (FDCPA 15 U.S.C. 1692), and related consumer protection laws. I request immediate investigation, permanent deletion, and written confirmation of the resolution of the following disputed accounts and inquiries.\\nWRONG ADDRESSES REPORTED (Identity Confusion & FCRA Violation)\\nXX/XX/XXXX TX XX/XX/XXXX Wrong Address\\n This wrong address gives the impression I lived at a location where fraudulent accounts were possibly opened Using this against me without proof is a violation of FCRA and is blocking me from obtaining fair credit opportunitiesXX/XX/XXXX Wrong Address\\n The reporting of this address has made me a victim of mistaken identity and I am constantly facing denials because creditors believe I have unstable housing history which is false This has caused emotional distress and unfair treatment\\nACCOUNTS REPORTED WITH ERRORS & VIOLATIONSXX/XX/XXXX  Date OpenedXX/XX/XXXX  Status: Charge Off\\n This account has been reported as a charge off without proper validation and without proof of ownership I dispute this account as inaccurate, incomplete, and unverified Under FCRA  609 and  611 the furnisher must provide proof of signed agreement, payment history, and chain of title None has been provided to me This is a violation of my rights and must be deleted immediately Because of this false reporting I was denied credit for basic needs and treated unfairly in applications for housing landlords assumed I was unreliable This single item has lowered my credit score by hundreds of points causing serious hardshiXX/XX/XXXX High BalanceXX/XX/XXXX Date OpenedXX/XX/XXXX Status: Charge Off\\n This account has been wrongfully reported as charged off and damages my creditworthiness I never received proper validation or itemized accounting under FDCPA  809(b) The reporting is inaccurate, misleading, and unverifiable Therefore under FCRA and FDCPA this must be removed As a result of this false account I have been harassed by calls from collectors and threatened with legal action I was denied a car loan and had to pay higher interest on another loan because my report showed a charge off that does not belong to me This is unfair treatment and must be corrected\\XX/XX/XXXX High Balance:XX/XX/XXXX Date Opened: XX/XX/XXXX Status: Charge Off\\n This charge off is being reported without full validation of debt and without compliance to required notice of adverse reporting Capital One has failed to provide proof of the original signed agreement and accounting records This is a direct violation of FCRA  623(a) which requires accurate and verifiable reporting This wrongful charge off has created hardship in my daily life because I was declined for small emergency credit and had to rely on expensive alternatives The negative mark has also damaged my reputation making me look irresponsible when in reality I never received proof this debt even exists\\XX/XX/XXXX High Balance: XX/XX/XXXX Date Opened:XX/XX/XXXX This account was reported as charged off incorrectly without giving me the right to dispute before reporting as required under FCRA  623(a)(7) and FDCPA The continued reporting of this item without proper validation and verification constitutes willful negligence and must be permanently deleted Because of this false entry I lost the opportunity to refinance my loan at a lower interest rate and I am forced to pay hundreds more every month in higher payments The financial stress caused by this has impacted my family and well-being This is an unfair burden created by false reporting\\XX/XX/XXXX  Status: Charge Off\\n This account is reported as a charge off without proper validation or proof Under FCRA  609 and  611 I am entitled to documentation which has never been provided This makes the account inaccurate and unlawful Because of this wrongful report I was denied approval for a personal loan which forced me into payday lending at extremely high interest rates I have been paying extra money every month that could have been saved for my family essentials This false reporting also damaged my reputation with my employer who ran a background check and questioned my XX/XX/XXXX Status: Charge Off\\n This account is reported as a charge off without any signed contract or evidence of debt ownership The reporting is unverifiable misleading and violates FCRA  623(a) As a result of this false charge off I was denied credit cards that I needed for emergency medical expenses I had to borrow money from friends and family creating emotional stress and humiliation This entry lowered my score by hundreds of points limiting my opportunities for stable housing and job advancement\\XX/XX/XXXX  Status: Charge Off\\n This account is inaccurate and unverifiable Furnishers have failed to provide documentation or notices before reporting negative information This violates my consumer rights  Because of this wrongful charge off I was rejected from multiple apartment applications and had to settle for less safe and more expensive housing My family suffered from the instability caused by not having fair housing opportunities directly because of this reporting\\XX/XX/XXXX  Status: Charge Off\\n This large charge off was reported without proper validation No payment record or chain of ownership was ever given Reporting unverifiable debt violates FCRA  607(b) This false entry blocked me from purchasing a reliable vehicle I needed for work I was forced to use unreliable transportation which caused me to lose job opportunities and income The financial and emotional harm is severe and ongoing every dayXX/XX/XXXX Date OpenedXX/XX/XXXX Status: Late Payment\\n This account shows late payments which are not accurate and have not been validated Credit bureaus are required to report maximum possible accuracy but failed in this case These wrongful late marks destroyed my ability to refinance my home loan at a lower rate My monthly payments are now much higher than they should be and I have lost thousands of dollars over time because of inaccurate reporting It also created unnecessary stress within my household and affected my mental XX/XX/XXXX High Balance:XX/XX/XXXX  Date OpenedXX/XX/XXXX Status: Charge Off\\n Ally Financial has reported a charge off without verifying the debt I never received proof of ownership or detailed accounting which is required under FDCPA  809(b) This false reporting made me lose access to fair car financing and I had to rely on high-interest auto loans This increased my monthly payments dramatically and made it harder to support my family financially The stress has affected my health and peace of minXX/XX/XXXX  High Balance: XX/XX/XXXXtatus: Charge Off\\n This account is reported as a charge off without proper verification The entry is inaccurate and misleading under FCRA requirements Because of this I was denied small lines of credit needed to cover daily household expenses I had to skip necessary purchases and delay utility bills creating hardship for my family This false report also caused embarrassment in front of lendersXX/XX/XXXX  Date Opened: XX/XX/XXXXThis collection account is being reported without proper validation XX/XX/XXXXXX/XX/XXXXis known for buying old debts without accurate records Reporting unverifiable data is unlawful under FCRA and FDCPA Because of this I have been harassed by constant phone calls and letters causing emotional distress I was denied financial aid programs that could have helped me improve my situation This false reporting continues to damage my opportunities for rebuilding my life\\XX/XX/XXXX Date Opened: XX/XX/XXXXXX/XX/XXXXtatus: Collection\\nThis collection account has been reported without any validation or documentation No signed agreement or billing statements have ever been provided which makes the report inaccurate  This entry has caused me to be declined for basic services like utility and cell phone accounts forcing me to pay deposits and extra fees I was treated like a high-risk customer for something that is not mine This is unjust and unlawful\\nXX/XX/XXXX Status: Collection\\n This account is reported as a collection without proper validation No signed contract or chain of title was ever provided Under FDCPA  809(b) and FCRA  609 I had the right to request verification but never received any Because of this false reporting I was denied approval for a credit card I needed to cover emergency expenses I had to borrow money from outside sources which increased my stress and financial hardship This entry has damaged my score and reputation unfairly\\XX/XX/XXXXis reporting a collection without producing proof of ownership or original account details This makes the entry unverifiable and misleading under FCRA  623(a) As a result I was rejected from a rental housing application and treated as high risk by landlords This has directly harmed my familys stability and created unnecessary emotional stress\\XX/XX/XXXXtatus: Collection\\n Midland is reporting this account as a collection without validating the debt I never received notice of right to dispute before they reported it This violates FDCPA and FCRA  Because of this false entry my auto loan application was denied forcing me to rely on costly alternative transportation to get to work This impacted my income and job securXX/XX/XXXX Status: Collection\\nThis is a duplicate reporting of the same debt with two different amounts Reporting duplicates is misleading and unlawful under FCRA  607(b) which requires maximum possible accuracy This duplicate damaged my score further and made lenders believe I had more debts than I actually did This caused me to be over-penalized and unfairly treated in every application I submittedXX/XX/XXXX  Date Opened:XX/XX/XXXX Status: Collection\\nThis collection is inaccurate and unverifiable XX/XX/XXXX has a record of reporting debts without original documentation or proper assignment This violates FCRA and FDCPA requirements Because of this entry I lost the chance to consolidate my debt with a lower interest program My financial hardship worsened as I had to continue paying higher interest rates on existing accountsXX/XX/XXXX High BalanceXX/XX/XXXX  Date OpenedXX/XX/XXXX  Status: Collection\\nThis account was reported without any proof of ownership or consumer liability I never received account statements or validation It is therefore unverifiable and unlawful This false report caused me embarrassment when a potential employer reviewed my credit history and raised concerns about my financial responsibility It affected my career opportunities\\nXX/XX/XXXXV entry reported without proof and it appears to duplicate other listings This practice inflates the amount of negative data on my report and misleads creditors This false report caused me to pay higher deposits for utility services and prevented me from accessing fair credit terms\\XX/XX/XXXX  High BalanceXX/XX/XXXXate Opened:XX/XX/XXXX Status: Collection\\nMidland is reporting this account without proof of ownership or account-level documentation This makes it unverifiable under the law  Because of this I was denied emergency medical financing which forced me into a worse financial position and created severe emotional distressXX/XX/XXXX Status: Collection\\nThis collection is being reported without validation and without proper documentation I never received any communication with proof of debt ownership This is a violation of FDCPA  809(b) This account has harmed me by preventing access to credit cards for daily household needs I had to rely on costly payday loans as an alternative leading to financial hardship\\nXX/XX/XXXXInquiry\\nThis is an unauthorized inquiry that has harmed my creditworthiness. I did not authorize this request, and its inclusion on my report misrepresents my actual credit activitXX/XX/XXXX Inquiry\\nUnauthorized. This credit pull negatively affects my creditworthiness and misrepresents my actual financial activityXX/XX/XXXX Inquiry\\nDuplicate/unauthorized. This further damages my credit report and misleads creditors regarding my financial behaviorXX/XX/XXXX Inquiry\\nUnauthorized. I did not consent to this inquiry. Its reporting negatively affects my credit score and access to financial servicesXX/XX/XXXX Inquiry\\nUnauthorized and inaccurate. This inquiry has impacted my credit score, creating financial hardship and misrepresenting my credit history.\\XX/XX/XXXX the above accounts and inquiries are inaccurate, unverifiable, duplicative, or unauthorized. The false reporting has caused denial of credit, higher interest rates, loss of housing opportunities, emotional stress, and reputational harm. Reporting unverifiable collections or unauthorized inquiries is a violation of FCRA 607(b), 609, 611, and FDCPA 807809. I have suffered significant financial losses and distress due to these unlawful reporting practices.\\nDEMAND FOR RESOLUTION\\nI demand immediate deletion or correction of all unverifiable, inaccurate, duplicate, or unauthorized accounts and inquiries listed above. Written confirmation of deletions and assurances that no reinsertion will occur without full compliance with FCRA 611(a)(5)(B) is required.\\nFailure to comply will result in further complaints to the FTC, Texas Attorney General, and potential legal action for damages under FCRA and FDCPA.'","date_sent_to_company":"2025-09-15T18:03:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77075","tags":null,"has_narrative":true,"complaint_id":"15938348","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-15T17:59:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This has directly harmed my familys stability and created unnecessary emotional stress\\XX/XX/XXXXtatus: <em>Collection</em>\\n Midland is <em>reporting</em> this account as a <em>collection</em> without validating the debt I never received notice of right to <em>dispute</em> before they <em>reported</em> it This violates FDCPA and FCRA  Because of this false <em>entry</em> my auto <em>loan</em> application was denied forcing me to rely on costly alternative transportation to get to work This impacted my income and job securXX/XX/XXXX Status: <em>Collection</em>\\nThis"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.582146,"15938348"]},{"_index":"complaint-public-v1","_id":"15520991","_score":11.571803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute and demand immediate correction of inaccurate and damaging information that has been reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These errors are severely harming my financial stability, credibility, and overall livelihood. The FCRA under 602 requires fair and accurate reporting. 607 ( b ) requires consumer reporting agencies to assure maximum possible accuracy. 611 requires proper reinvestigation of disputed items, and 623 prohibits furnishers from knowingly reporting false or unverifiable information. The FDCPA under 807 prohibits misrepresentation of debts and false reporting that causes consumers harm. Despite these clear protections, my file continues to contain false addresses and inaccurate account information. This is a direct violation of my rights and has caused me repeated denials for housing, credit opportunities, and auto financing. The embarrassment and XXXX  I face explaining errors that are not mine is humiliating and financially destructive. \nXXXX XXXX XXXX XXXX, CA XXXX Wrong Address. Issue : This address does not belong to me and has no association with my identity or residence history. Law : FCRA 607 ( b ) requires credit bureaus to maintain accuracy. Story : Because of this wrong address, lenders have questioned my identity, and I have been forced to answer humiliating questions about fraud and identity theft. This has delayed important financial approvals, caused suspicion about who I am, and created unnecessary red flags in background checks. At one point, I was even denied a rental property because the landlord assumed I was hiding past evictions at this location, which is completely false. \nXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address. Issue : False address reporting. Law : FCRA 623 prohibits furnishers from providing false residence data. Story : This has created confusion in background checks, leading employers and creditors to doubt my stability and honesty. I was nearly disqualified from a housing opportunity when the property manager suspected I was lying about my past. These false addresses make me look careless, unstable, and potentially fraudulent, when in reality the inaccuracy is entirely the fault of the reporting agencies. \nXXXX XXXX XXXX High Balance : {$690.00} Date Opened : XX/XX/XXXX Chargeoff. Issue : This account is inaccurately reported as a charge-off when no proper validation or proof of delinquency has been provided. Law : FCRA 623 requires furnishers to report accurately, FDCPA 807 prohibits misrepresentation of debt. Story : Reporting this account as charged-off is devastating to my financial credibility. It makes me look like someone who abandoned their obligations, which is not true. This false reporting has destroyed my ability to qualify for affordable loans. I was offered only high-interest credit options, forcing me into a cycle of debt that I should never have been placed in. My credit reputation has been damaged publicly, and this single false charge-off has cost me XXXX  of dollars in added costs and emotional suffering. \nXXXX XXXX XXXXXXXX High Balance : {$470.00} Date Opened : XX/XX/XXXX Late Payment. Issue : False reporting of late payment. Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. Story : This late payment is entirely inaccurate. It has unfairly damaged my credit score and has made me appear as a high-risk borrower. Because of this, I was denied a personal loan that I intended to use for medical expenses. Instead, I had to rely on high-interest payday loans, which placed me under extreme financial strain. The humiliation of being rejected over a false report is something I should never have to go through. \nXXXX XXXX High BalancXXXX : {$7600.00} Date Opened : XX/XX/XXXX Late Payment. Issue : This account is incorrectly marked with late payments. Law : FCRA 623 requires accuracy, and furnishers may not report unverifiable information. Story : This late payment reporting is damaging my credit standing and makes it appear that I neglected my student loan obligations. Because of this false reporting, I have been denied opportunities for refinancing, resulting in higher monthly payments and financial hardship. It also caused lenders to treat me as high risk even though I have consistently worked to maintain good standing. \nXXXX XXXXXXXX XXXX High Balance : {$8100.00} Date Opened : XX/XX/XXXX Chargeoff. Issue : This account is being falsely reported as a charge-off. Law : FCRA 607 ( b ) and FDCPA 807 prohibit misreporting debts and creating a false impression. Story : Reporting this account as a charge-off has destroyed my creditworthiness. I have been denied credit cards, auto loans, and affordable housing because of this inaccurate entry. It presents me as financially irresponsible when there is no proper proof that this debt is valid or charged-off. This has been humiliating, costly, and unjust. \nXXXX XX/XX/XXXX XXXX. Issue : Unauthorized inquiry. Law : FCRA 604 requires permissible purpose for credit inquiries. Story : This inquiry was not authorized by me. Each hard inquiry unfairly lowers my score, creates suspicion, and damages my ability to qualify for credit. This entry is abusive and violates my right to privacy. \nXXXX XX/XX/XXXX Inquiry. Issue : False inquiry. Law : FCRA 611 requires reinvestigation of unverifiable inquiries. Story : This inquiry is another unauthorized pull that compounds damage. Every duplicate entry unfairly lowers my score, increasing financial hardship. \nXXXX XX/XX/XXXX Inquiry. Issue : Duplicate/unauthorized inquiry. Law : FCRA 604. Story : This is another unauthorized credit pull that falsely portrays me as someone constantly applying for credit. This damages my credibility and forces me to pay higher rates due to suspicion of instability. \nXXXX XX/XX/XXXX Inquiry. Issue : Unauthorized inquiry. Law : FCRA 604. Story : I never gave permission for this department store inquiry. It wrongly ties me to accounts I never applied for, lowering my score unfairly and creating the false impression of overspending. \nXXXX XX/XX/XXXX Inquiry. Issue : Unauthorized inquiry. Law : FCRA 604. Story : Another false inquiry from the same department store, compounding the damage. It shows negligence in reporting and has created a false pattern of reckless credit-seeking behavior.\n\nIn conclusion, these errors represent serious violations of the FCRA and FDCPA. They have inflicted financial, emotional, and reputational harm on me. Each false address and inaccurate account entry adds to the picture of someone I am not. I have been denied housing, jobs, and credit opportunities because of these errors. I demand that these inaccurate items and wrong addresses be removed immediately. If these errors are not corrected, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all available legal remedies. I expect a full reinvestigation and correction within the required 30 days under FCRA 611.","date_sent_to_company":"2025-08-26T22:29:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90815","tags":null,"has_narrative":true,"complaint_id":"15520991","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-26T22:26:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally <em>dispute</em> and demand immediate correction of inaccurate and damaging information that has been <em>reported</em> on my <em>credit</em> file in violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) and the Fair Debt <em>Collection</em> Practices Act ( FDCPA ). These errors are severely harming my financial stability, credibility, and overall livelihood."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.571803,"15520991"]},{"_index":"complaint-public-v1","_id":"15620526","_score":11.099471,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. The following accounts and inquiries are being reported inaccurately, in duplicate, or without proper validation. I dispute each account in full. These items have caused me significant financial harm, credit denials, housing issues, employment impacts, and severe emotional distress. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address I have no connection to this address. A potential landlord refused to approve my rental application because this address showed up, making it seem like I had an unstable living history. This caused me embarrassment in front of my family, who witnessed me being denied housing. Under FCRA 609 and 611, I have the right to dispute and receive proof, but no verification was provided. This has had a serious negative effect on my life. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charge off was reported without validation. I was never shown a signed contract or itemized breakdown of how this balance was calculated. Because of this account, my credit score dropped significantly, and I was denied a personal loan I needed to cover medical expenses. This caused me to delay treatment, which increased my stress and health struggles. FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 809 require accurate reporting and validation, which were ignored. \nXXXX Acct : XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off even though I dispute its accuracy. I was never properly notified or given validation. Because of this negative account, I was rejected for a small business loan that I had applied for to expand my income. The denial caused financial strain on my household, forcing me to borrow from friends and family, which damaged my personal relationships. Under FCRA 602 ( a ), inaccurate reporting destroys trust in the credit system, and that is exactly what happened to me. \nXXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$390.00} Charge Off This small account continues to cause large damage. Even though it is reported as a charge off, no proof or validation has been provided. Because of this, my score was lowered, which led to me paying a much higher interest rate on my auto loan than I should have. Over the life of the loan, this costs me thousands of extra dollars. FCRA 611 ( a ) ( 5 ) requires deletion of unverifiable accounts, but the bureaus have failed to act. \nXXXX Acct XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off This account is reported inaccurately. No original agreement has been shown, and no validation provided. Because of this false reporting, I lost a job opportunity after the employers background check flagged this account. I felt ashamed and defeated because this error cost me a chance at better employment. FDCPA 807 ( 8 ) prohibits furnishers from providing false or misleading information, yet this continues to happen. \nXXXX Acct : XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off This charge off has never been validated. The reporting is misleading and harmful. I was denied a credit card application because of this account, which limited my ability to build positive credit history. I also had to rely on payday loans at extremely high interest rates, which pushed me deeper into financial stress. FCRA 609 ( c ) ( 1 ) ( E ) guarantees the right to documentation, but I never received it. \nXXXX XXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off, but I never received any proper validation or itemized accounting of this debt. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurately, and under FDCPA 809, I have a right to debt validation. Because of this charge off, I was denied a store credit card when I applied to build positive history. This denial was humiliating and limited my financial growth. It also forced me to use cash advances from other accounts, which increased my debt burden and stress. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$510.00} Date Opened : XX/XX/XXXX Charge Off This account is disputed in full. No proof of ownership or signed agreement was ever provided. The balance is small, yet it has had a devastating effect on my credit profile. Because of this charge off, I was denied financing for necessary home repairs, which left me in unsafe living conditions longer than necessary. Under FCRA 609 and 611, I am entitled to verification, and without it, this item must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3100.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off without proper documentation. I dispute it completely. Because of this account, my score dropped, and I was denied a rental application. The landlord viewed me as high risk because of this charge off, and I was left scrambling to find housing. This created stress for me and my family. Under FDCPA 807 ( 8 ), furnishers are prohibited from reporting false credit information, yet this violation continues. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off It is unreasonable and inaccurate to report a charge off with a high balance of {$0.00}. This makes no logical sense and proves the reporting is unreliable. Because of this misleading account, I was denied a credit limit increase that I needed for emergency expenses. This denial trapped me in financial hardship, forcing me to borrow money from friends and family and causing embarrassment. Under FCRA 607 ( b ), the bureaus must maintain maximum accuracy, and this reporting is clearly inaccurate. \nXXXX XXXX XXXX XXXX XXXX High Balance : {$3300.00} Date Opened : XXXX  Charge Off This account is inaccurately reported and has never been properly validated. Because of this charge off, I was denied a business loan that I had applied for to expand my income opportunities. This not only hurt me financially but also prevented me from improving my familys living conditions. The ongoing damage has caused stress, sleepless nights, and humiliation. FCRA 623 ( a ) ( 1 ) ( A ) requires accuracy, and FDCPA 807 prohibits misrepresentation. This item must be deleted immediately. \nXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off This account is disputed in full. The reported balance and charge off status have never been validated. Because of this negative account, my auto loan application was rejected, forcing me to continue driving an unreliable vehicle. This caused ongoing stress and safety concerns for my family. The furnisher is in violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off This appears to be a duplicate entry of the previous account, which is misleading and damaging. Duplicate reporting inflates negative information and severely impacts my credit score. Because of this duplication, I was denied housing and had to settle for a less desirable rental, which was humiliating and stressful. FCRA 607 ( b ) requires maximum possible accuracy, and duplicate reporting violates that standard. \nXXXX XXXX XXXX XXXX XXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX Charge Off This account is reported inaccurately. I never received full proof or itemized validation. The balance is small, but the impact is large. Because of this charge off, I was denied a personal loan that I needed to cover emergency expenses. I was forced to borrow from family, which caused strain and embarrassment. Under FDCPA 807, misrepresentation is prohibited, and under FCRA 611 ( a ) ( 5 ), unverifiable items must be removed. \nXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$31000.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments, which I dispute. No proper records or validation were provided to me. Because of this reporting, my mortgage pre-approval was delayed, and I lost out on a home that I wanted to purchase for my family. The emotional toll of this denial was devastating. Under FCRA 623 ( a ) ( 1 ), furnishers must report accurately, and unverifiable late payments can not remain. \nXXXX XXXX XXXX XXXX  XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX This charge off has never been validated. Because of this account, I was denied a consolidation loan that could have helped me manage my debts responsibly. Instead, I was forced to juggle multiple high-interest payments, causing extreme financial stress. This inaccurate reporting has kept me trapped in debt. FCRA 609 ( c ) ( 1 ) ( E ) guarantees my right to documentation, which has not been provided. \nXXXX Acct : XXXX High Balance : {$38000.00} Date Opened : XX/XX/XXXX Late Payment This account is reported with late payments, which I dispute. I was never provided complete proof or a proper history of these alleged late payments. Because of this reporting, my insurance company raised my premium after reviewing my credit, costing me significantly more money each month. This is unfair and harmful. Under FCRA 611 and 607 ( b ), inaccurate reporting must be corrected or deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} Date Opened : XX/XX/XXXX Late Payment This account shows late payments that I dispute entirely. No full documentation was provided to me. Because of this, I was denied a small student loan that I needed to complete a training course for better employment. Losing this opportunity has held me back professionally and financially. The furnisher is in violation of FCRA 623 and FDCPA 807 for reporting unverifiable information. \nXXXX Acct : XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Charge Off This account is disputed in its entirety. No validation or itemized accounting has been provided to me. Because of this charge off, I was denied financing for furniture and basic household needs, which forced me to delay necessary purchases for my home. This created stress and embarrassment for me in front of my family. FCRA 623 ( a ) ( 1 ) ( A ) requires accuracy in reporting, and FDCPA 809 requires proper validation, which I never received. \nXXXX XXXX XXXX XXXX XXXX  High Balance : {$340.00} Date Opened : XX/XX/XXXX Late Payment This account is reported with late payments that I dispute. No proper payment history or documentation has been given to me. Because of this negative reporting, I was denied a small personal loan for emergency expenses. The denial forced me to postpone urgent costs and borrow from family, which caused stress and humiliation. Under FDCPA 807, misrepresentation is unlawful, and FCRA 611 requires deletion of unverifiable late payments. \nXXXX XXXX XXXX XXXX High Balance : {$390.00} Date Opened : XX/XX/XXXX Collection This account is inaccurately reported. I never received documentation or validation. Because of this collection, I was denied a rental property I applied for, which forced my family to live in less suitable housing. This caused emotional and logistical stress, particularly for my children. FCRA 607 ( b ) and 611 ( a ) mandate accurate reporting, which was not followed. \nXXXX XXXX XXXX XXXX XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Collection This collection account is disputed in its entirety. No verification has been provided. Because of this negative item, I was denied a small business loan, limiting my ability to expand income opportunities. The financial setback and humiliation caused significant personal stress. Under FDCPA 807 and FCRA 611, unverifiable items can not remain on my credit report. \nXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection This account is reported inaccurately. I never received proof of ownership or proper validation. Due to this item, I was forced to pay higher interest on existing loans, which caused additional financial hardship and stress for my family. FCRA 609 and FDCPA 809 require verification before reporting, which was not provided. \nXXXX XXXX XXXX XXXX XXXX  High Balance : {$460.00} Date Opened : XX/XX/XXXX Collection This account is disputed in full. No supporting documents were given. Because of this negative entry, I was denied a credit card increase that would have helped manage urgent expenses. I had to borrow from friends and family, causing emotional strain and embarrassment. Under FCRA 607 ( b ), maximum accuracy is required, yet this item is unverifiable. \nXXXX XXXX XXXX XXXX XXXX  High Balance : {$390.00} Date Opened : XX/XX/XXXX Collection This appears to be a duplicate of a previous account, which is misleading and damaging. Duplicate reporting inflates negative information and unfairly lowers my credit score. Because of this duplicate, I was denied a small personal loan for emergency medical expenses, which created severe stress and hardship. FCRA 611 ( a ) ( 5 ) requires deletion of unverifiable or duplicate items. \nXXXX XXXX XXXX XXXX XXXX High Balance : {$360.00} Date Opened : XX/XX/XXXX Collection This account is reported without proper validation. I dispute it completely. Because of this collection, my mortgage pre-approval was delayed, costing me a housing opportunity. The emotional and financial impact was significant, affecting my familys security. Under FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807, inaccurate reporting is illegal and must be corrected immediately. \nXXXX XXXX XXXX XXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Collection This collection is reported without proper validation. I never received proof of ownership or a signed agreement. Because of this negative reporting, I was denied a personal loan, which forced me to take high-interest alternatives, causing financial and emotional stress. FCRA 611 ( a ) requires deletion of unverifiable items. \nXXXX XXXX XXXX XXXX XXXX  High Balance : {$860.00} Date Opened : XX/XX/XXXX Collection This account is disputed entirely. No documentation or validation has been provided. Because of this, I was denied approval for a car loan that I needed for transportation to work, causing inconvenience, stress, and potential income loss. FCRA 623 ( a ) ( 1 ) ( A ) requires accurate reporting. \nXXXX XXXX XXXX XXXX XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Collection This collection account is unverified and inaccurate. Due to this, I was denied approval for a rental property, forcing my family into less suitable housing. This created undue stress and logistical challenges for my household. FDCPA 807 prohibits reporting unverified debts. \nHard Inquiries XXXX OF XXXX, XXXX, XXXX, XXXX XXXX All the inquiries listed above are unauthorized and/or were conducted without my explicit consent. These hard inquiries have negatively impacted my XXXX XXXX, leading to loan denials, higher interest rates, and increased financial costs. Under FCRA XXXX ( a ), each hard inquiry requires permissible purpose, which was not met in some instances. I dispute the validity of all these inquiries and request their removal. \nConclusion All above accounts and inquiries are inaccurate, unverifiable, duplicated, or unauthorized. Their presence has caused : Loan and credit denials Housing application rejections Employment and business opportunity loss Higher interest rates on valid accounts Family stress and emotional distress Under FCRA and FDCPA, unverifiable, duplicate, or unauthorized reporting must be deleted immediately. I demand prompt action and reserve my right to escalate through legal and regulatory channels if unresolved.","date_sent_to_company":"2025-08-30T18:34:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"778XX","tags":null,"has_narrative":true,"complaint_id":"15620526","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-30T18:32:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The <em>reporting</em> is misleading and harmful. I was denied a <em>credit</em> card application because of this account, which limited my ability to build positive <em>credit</em> history. I also had to rely on <em>payday</em> <em>loans</em> at extremely high interest rates, which pushed me deeper into financial stress. FCRA 609 ( c ) ( 1 ) ( E ) guarantees the right to documentation, but I never received it."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.099471,"15620526"]},{"_index":"complaint-public-v1","_id":"14831297","_score":10.959671,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern at the Consumer Financial Protection Bureau I am submitting this complaint due to multiple serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal laws by credit reporting agencies and furnishers who have reported inaccurate, outdated, and unverifiable information on my credit report these errors have severely harmed my financial stability and creditworthiness despite my efforts to resolve them the following is a detailed list of all disputed items with explanation and relevant law references XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is completely inaccurate and has never been associated with me in any capacity. \nLaw : FCRA Section 602 ( a ), 607 ( b ), and 609 ( c ) ( 2 ) Credit reports must contain only verifiable and accurate data.\n\nStory : I have never resided at or been linked to this address. I suspect this may be a result of identity confusion or misfiled data from a third party. The inclusion of this address on my credit report is causing confusion and may cause lenders to deny my applications based on false information. I have submitted utility bills, lease agreements, and government-issued identification proving my actual address. I respectfully demand immediate removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : False address reported without consent Law : FCRA Section 611 ( a ) ( 1 ) ( A ) Consumers have the right to dispute and correct errors Story : I have never been to this residence, nor used it in any documentation. This mistake may be hurting my financial reputation, especially in mortgage or auto loan applications. I respectfully request a full reinvestigation and deletion of this data immediately, as it is harming my credit profile unjustly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late payment being reported inaccurately Law : FCRA Section 623 ( a ) ( 1 ) ( A ), 1681s-2 Furnishers must not report inaccurate or incomplete data Story : I enrolled in a self-credit builder account and ensured regular payments. I was informed my payments were on time. However, a late mark appeared which I was not notified of. This severely impacted my credit score during a period where I was actively seeking housing. I contacted the creditor but was met with vague responses. I request this be verified with full payment history and if unverified, it must be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} * * Issue : Charge-off reported but account was disputed and partially paid Law : FCRA Section 623 ( b ), FDCPA 807 ( 8 ) Debt collectors and furnishers can not misreport disputed debts Story : I had a dispute with this account due to unexpected fees and aggressive terms. I attempted to settle the account, and partial payment was made. However, they went ahead and charged off the full balance. This was done during a time of financial hardship when I had contacted them seeking accommodation. This reporting is unfair, misleading, and damaging to my credit score. I request this be removed or corrected with proof of resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge-off remains even though balance is zero Law : FCRA 1681i ( a ) ( 5 ), 623 ( a ) ( 2 ) Inaccurate and outdated information must be corrected or removed Story : I voluntarily surrendered the vehicle during a difficult financial period and cleared the balance through a settlement. Yet, the account continues to report as charged-off, which misrepresents the current status. This is misleading and severely affects my creditworthiness. I demand correction or removal of this derogatory entry immediately XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} * * Issue : Charge-off after voluntary surrender, no updated status Law : FCRA 623 ( a ) ( 1 ), 1681s-2 ( b ) Information must be complete and accurate Story : This account was settled after a voluntary surrender. I was transparent with the lender and returned the vehicle during COVID-related hardship. The lender failed to update the account accurately and is still showing the original charge-off. This gives the false impression that the debt is unresolved. I request the charge-off be removed or at least marked as \" Settled in Full '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} * * Issue : Charge-off still showing after zero balance Law : FCRA 1681c ( a ) ( 5 ), 623 ( a ) ( 2 ) ( A ) Data must be updated when it changes Story : This account has had a zero balance for years. Continuing to list it as a charge-off is deceptive and unfair. It reflects negatively on my credit profile even though the debt has been settled. I request immediate correction or removal of this derogatory information XXXX  Inquiry on XX/XX/XXXX Issue : Unrecognized hard pull Law : FCRA 604, 615 Permissible purpose must exist Story : I never applied for credit from this institution. No signed authorization exists, and I suspect this may be a result of pre-screening or misused data. This inquiry was not authorized by me and must be removed from my file I have suffered significant financial distress due to these errors including being denied housing and loans and experiencing emotional and psychological pressure from poor credit reporting I am requesting that the CFPB investigate each of these items and direct the credit bureaus and furnishers to correct or delete all inaccurate unverified or unauthorized data listed above I am also requesting that all supporting documents from each furnisher and bureau involved in these accounts inquiries and addresses be reviewed and provided to me as per my rights under the FCRA please ensure a full response within the 30-day investigation window as legally required thank you for your assistance in correcting these ongoing injustices XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Wrong Address Law : FCRA 609 ( c ) ( 2 ), 602 ( a ) All reported information must be accurate and verifiable.\n\nStory : I have never lived at this address. I have no ties to this residence, and it does not reflect any part of my life history. The presence of this incorrect address on my report has caused multiple disruptionsmy bank flagged my account for possible fraud due to inconsistencies, and I was required to submit extra identity documents to validate who I am. This incorrect reporting has also made it difficult to apply for a job, as an employer background check came back with mismatched address history. \nXXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address Law : FCRA 610 ( a ), 611 ( a ) Furnishers must investigate and remove unverifiable information.\n\nStory : I have never lived at this address, rented a unit here, nor used this address for any purpose. Because of this inaccurate entry, my rental application for an apartment was denied. The leasing office stated that my residence history was inconsistent and appeared suspicious, leading to a denial that affected my living situation and forced me to pay extended hotel costs for temporary housing. \nXXXX XXXX XXXX XXXX, NC XXXX Issue : Wrong Address Law : FCRA 623 ( a ) ( 1 ) ( A ) Story : I have never lived in the state of North Carolina. I have never traveled to this location, rented here, nor had any contact in XXXX. This false address has triggered alerts on multiple platforms suggesting potential identity theft. I have received fraud alerts and lost access to my mobile payment app temporarily because it could not verify my address due to this wrong listing. \nXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$460.00} * * Issue : Charge-Off Law : FCRA 611 ( a ), FDCPA 807 ( 2 ) ( A ) Story : This account does not belong to me. I have contacted XXXX XXXX and they have no matching account on file with my personal information. Despite this, the charge-off is still reporting and harming my credit. I was denied a secured credit card and forced to rely on expensive payday loans for an emergency because this account drastically reduced my credit score. It is extremely unfair that I am being penalized for something I have nothing to do with. \nXXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$9300.00} * * Issue : Charge-Off Law : FCRA XXXX ( a ) ( 1 ), FDCPA 805 ( b ) Story : I never opened any account with XXXX. Ive contacted them directly, and they were unable to find my name, Social Security Number, or any other personal data associated with this loan. Yet, this massive debt continues to appear on my credit report. As a result, I have been denied financing for a vehicle I desperately needed to commute to work. I lost out on a job because I had no transportation, and this all stems from this false entry. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} * * Issue : Charge-Off Law : FDCPA 807, FCRA 623 ( a ) ( 5 ) Story : This debt is not mine. I never had any dealings with XXXX XXXX XXXX. Ive asked for debt validation and was ignored. I believe this is a fraudulent account that was opened without my knowledge. It has caused major problems with trying to secure housing. A landlord informed me that the debt history created too high of a risk, and I was denied even though I provided proof of employment and sufficient income. I feel targeted and defamed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1600.00} * * Issue : Collection Law : FDCPA XXXX ( a ), FCRA XXXX ( a ) Story : Ive never received any collection notice or bill for this amount. I do not know what the debt is for or who is trying to collect it. I suspect identity theft or misreporting, yet it was placed on my report without any chance to verify or dispute. This has ruined my chance to consolidate my student loans, as the servicer flagged me as high-risk due to active collections. \nXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$51.00} * * Issue : Collection Law : FCRA 602 ( b ), FDCPA 807 ( 8 ) Story : Ive never had any account with this agency or debt associated with this collector. A {$51.00} debt may seem small, but its impact has been devastatingI was denied a secured credit card, lost access to BNPL ( Buy Now Pay Later ) services, and even had my utility company request a security deposit due to the existence of a reported collection on my file. This is not my debt and it must be removed. \nI demand that all erroneous and unverified information be permanently removed from my credit file without delay. Continued reporting of unsubstantiated items is not only reckless but unlawful under the Fair Credit Reporting Act. If the agency fails to take immediate action, I will pursue all available legal remedies. I also request a written summary confirming the resolution and deletion of the disputed data.","date_sent_to_company":"2025-07-23T21:16:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28278","tags":null,"has_narrative":true,"complaint_id":"14831297","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-23T21:14:23.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Despite this, the charge-off is still <em>reporting</em> and harming my <em>credit</em>. I was denied a secured <em>credit</em> card and forced to rely on expensive <em>payday</em> <em>loans</em> for an emergency because this account drastically reduced my <em>credit</em> score. It is extremely unfair that I am being penalized for something I have nothing to do with."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[10.959671,"14831297"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":10,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":10}]}},"product":{"doc_count":10,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":10}]}}]}},"issue":{"doc_count":10,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":7}]}},{"key":"Incorrect information on your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":3}]}}]}},"timely":{"doc_count":10,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":10}]}},"company_response":{"doc_count":10,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":6},{"key":"Closed with non-monetary relief","doc_count":4}]}},"submitted_via":{"doc_count":10,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":10}]}},"company":{"doc_count":10,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":5},{"key":"Experian Information Solutions Inc.","doc_count":2},{"key":"2288984 Ontario Inc.","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"V and H Portfolio","doc_count":1}]}},"state":{"doc_count":10,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":7},{"key":"CA","doc_count":1},{"key":"IN","doc_count":1},{"key":"NC","doc_count":1}]}},"company_public_response":{"doc_count":10,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":3}]}},"tags":{"doc_count":10,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}