{"took":74,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":189,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17397417","_score":20.00757,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the dent violation/damage notice issued to me on [ insert date ] regarding [ vehicle/unit/property ]. After reviewing the claim, I believe this violation was issued in error and respectfully request a full investigation and removal of the charge.\n\nThe alleged dent/damage did not occur under my responsibility, and I did not cause any damage during the time the vehicle/unit/property was in my possession. Prior to receiving this notice, no issues were communicated to me, nor was I provided with verified documentation or time-stamped evidence showing the condition before and after.\n\nTo support my dispute, I am requesting : 1. Clear photos or video evidence of the alleged dent/damage 2. Documentation showing timestamps proving when the damage occurred 3. Inspection reports conducted before my use or occupancy 4. Any written statements from staff associated with the claim Until this information is provided, I respectfully request that the violation and any associated fees be placed on hold or removed entirely. \n\nI take pride in maintaining responsibility and ensuring all property under my use is kept in proper condition. Based on the information I have, I firmly believe this charge is inaccurate. \n\nPlease respond within 10 business days with confirmation that the claim has been reviewed and corrected. I am available at [ your phone number ] or [ your email ] for any further clarification. \n\nThank you for your time and prompt attention to this matter.","date_sent_to_company":"2025-11-21T02:02:03.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"27909","tags":null,"has_narrative":true,"complaint_id":"17397417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-11-21T01:44:20.000Z","state":"NC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally <em>dispute</em> the dent violation/damage notice issued to me on [ insert date ] regarding [ vehicle/unit/<em>property</em> ]. After reviewing the claim, I believe this violation was issued in error and respectfully request a full investigation and removal of the <em>charge</em>.\n\nThe alleged dent/damage did not occur under my <em>responsibility</em>, and I did not cause any damage during the time the vehicle/unit/<em>property</em> was in my possession."]},"sort":[20.00757,"17397417"]},{"_index":"complaint-public-v1","_id":"18344399","_score":19.420563,"_source":{"product":"Debt collection","complaint_what_happened":"For several years, XXXX has repeatedly contacted me and issued bills in an apparent attempt to collect funds for an account that I never opened and for which I have no contractual relationship with the company. Despite my lack of authorization or responsibility for this account, XXXX has continued to pursue payment, which I believe constitutes ongoing harassment and improper billing practices. \n\nThe billing activity appears to be tied to the property located at XXXX XXXX XXXX, XXXX, MA XXXX. I dispute any responsibility for charges associated with this property, particularly in light of the fact that my ownership interest was unlawfully taken through mortgage fraud, as described in my prior complaints. The property was seized by XXXX at the beginning of XXXX. \n\nBased on the timing, coordination of parties, and documentation involved, I am concerned that XXXX  billing and collection actions may be connected to or reliant upon the same fraudulent records and transactions involving XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX \n\nI recently received another bill from XXXX without explanation, further demonstrating that this matter remains unresolved. I formally dispute the debt in its entirety and request a full investigation into the origin of the account, the basis for billing me, and any reliance on fraudulent or inaccurate property or ownership records.","date_sent_to_company":"2025-12-29T17:29:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"80302","tags":null,"has_narrative":true,"complaint_id":"18344399","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"William Raveis Real Estate","date_received":"2025-12-29T17:20:54.000Z","state":"CO","company_public_response":"Company can't verify or dispute the facts in the complaint","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I <em>dispute</em> any <em>responsibility</em> for <em>charges</em> <em>associated</em> with this <em>property</em>, particularly in light of the fact that my ownership interest was unlawfully taken through mortgage fraud, as described in my prior complaints. The <em>property</em> was seized by XXXX at the beginning of XXXX."],"company_public_response":["Company can't verify or <em>dispute</em> the facts in the complaint"]},"sort":[19.420563,"18344399"]},{"_index":"complaint-public-v1","_id":"15744964","_score":18.942627,"_source":{"product":"Debt collection","complaint_what_happened":"am receiving collection communications from Helvey & Associates , Inc. regarding a XXXX XXXX account ( Acct # ending in XXXX ). This is not my account. I do not recognize this bill and I do not owe this debt. The letter is addressed to my current residence, which has no association with XXXX XXXX. \n\nI previously lived in an apartment that suffered a fire caused by the property management company. As of XX/XX/year>, the property management company formally assumed responsibility for the apartment and related utilities, not me. Any charges after that date are not mine.\n\nUnder the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), once a consumer disputes a debt, the collector must cease collection activity until proper verification is provided. Pursuing this debt without valid verification violates the FDCPA.\n\nAdditionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), no inaccurate debt should be reported to the credit bureaus. This debt is not currently on my credit report, and I want to ensure it is never reported.\n\nI request that the CFPB require Helvey & Associates to stop collection, confirm in writing that I have no responsibility for this account, and ensure that no negative reporting related to this account is made to the credit bureaus.","date_sent_to_company":"2025-09-05T16:02:12.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"48823","tags":null,"has_narrative":true,"complaint_id":"15744964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Helvey & Associates, Inc., Warsaw, IN Branch","date_received":"2025-09-05T15:49:49.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["As of XX/XX/year>, the <em>property</em> management company formally assumed <em>responsibility</em> for the apartment and related utilities, not me. Any <em>charges</em> after that date are not mine.\n\nUnder the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), once a consumer <em>disputes</em> a debt, the collector must cease collection activity until proper verification is provided. Pursuing this debt without valid verification violates the FDCPA."],"company":["Helvey & <em>Associates</em>, Inc., Warsaw, IN Branch"]},"sort":[18.942627,"15744964"]},{"_index":"complaint-public-v1","_id":"7222707","_score":16.718803,"_source":{"product":"Debt collection","complaint_what_happened":"I received a phone call from Finex Group LLC stating that I owe a debt on towing charges for a vehicle that I sold in XXXX. I let them know that I sold the car in XXXX and that I am not responsible for the debt owed as I submitted a release of liability form with the CA DMV at the time of sale. The car was found on a property in XXXX and I was notified by the local sheriffs department that the car was found. After a phone call with the CA DMV and Sheriffs Department, I was told I did not have any responsibility for the towing charges associated with the vehicle and that they will contact the buyer that I sold the car to in XXXX. ( The car was sold one more time after I sold it and both owners failed to register the vehicle ). The buyer that I sold the car to didnt have an address and refused to provide me an address, so the DMV advised that I list Transient on the release of liability to clear me of liability and it was successfully processed. Fast forward to XX/XX/XXXX. The employee that I spoke to at Finex Group LLC, XXXX, aggressively belittled me and argued saying that its my fault and responsibility for this debt even though the DMV and Sheriffs Department already cleared me of this responsibility. She asked me if I cared about my the negative impact this will put on my credit if I dont pay, which is a clear violation of the FDCPA. In addition, she stated that This debt is indisputable so [ you ] might as well get an attorney before I was even sent a letter and given a chance to dispute and investigate the debt that is not mine. This seems like an illegal and unfair attempt to collect a debt. Furthermore, I never received a bill or was ever contacted by the original towing company and had no idea of the charges. I filed a dispute with Finex Group LLC and they immediately invalidated my claim. Finex Group LLC used aggressive scare tactics and threatened a negative credit report if I didnt set up a payment plan that day for a debt that is not my responsibility and I would like this resolved as soon as possible.","date_sent_to_company":"2023-07-09T01:42:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"939XX","tags":null,"has_narrative":true,"complaint_id":"7222707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FINEX Group LLC","date_received":"2023-07-09T01:06:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["After a phone call with the CA DMV and Sheriffs Department, I was told I did not have any <em>responsibility</em> for the towing <em>charges</em> <em>associated</em> with the vehicle and that they will contact the buyer that I sold the car to in XXXX. ( The car was sold one more time after I sold it and both owners failed to register the vehicle )."]},"sort":[16.718803,"7222707"]},{"_index":"complaint-public-v1","_id":"19107432","_score":14.855877,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint to dispute an electric utility debt being improperly attributed to me by XXXX XXXX and XXXX XXXX ( XXXX  ) in the amount of approximately {$2700.00}. This debt is not mine, and XXXX  actions violate federal consumer protection and credit reporting laws. \nI previously rented a property that contained three separate electric meters. Under my lease agreement, I was contractually responsible for only one meter/account. The disputed charges do not correspond to the meter assigned to me. Despite being notified of this billing error, XXXX has failed to conduct any on-site inspection or investigation to verify meter responsibility. \nAdditionally, I vacated the rental property in the summer of last year. XXXX is attempting to hold me liable for charges not incurred by me, which further confirms that the debt is inaccurate and does not belong to me. \nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information such as XXXX are required to report accurate information and to reasonably investigate disputes. Reporting or attempting to collect a debt that is not mine constitutes inaccurate reporting and a failure to meet these statutory obligations. \nFurther, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f, it is unlawful to misrepresent the character or legal status of a debt or to attempt to collect an amount not expressly authorized or legally owed. Any attempt to place this account into collections or report it to consumer reporting agencies would be improper and unlawful. \nI dispute this debt in its entirety and request that XXXX be required to : Cease all collection activity related to this account. \nConduct a proper investigation, including verification of meter assignments and tenancy dates. \nCorrect or remove any negative credit reporting associated with this erroneous debt. \nProvide written confirmation that I am not responsible for the disputed balance. \nA company may not lawfully place a collection account on a consumer for a debt that the consumer does not owe. Continued attempts to collect or report this debt without verification may constitute willful noncompliance with federal law. \nThank you for your attention to this matter. I respectfully request the CFPBs assistance in ensuring XXXX complies with applicable consumer protection and credit reporting laws. \nSincerely,","date_sent_to_company":"2026-01-29T18:15:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"21045","tags":"Servicemember","has_narrative":true,"complaint_id":"19107432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NRA Group, LLC","date_received":"2026-01-29T17:58:50.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The <em>disputed</em> <em>charges</em> do not correspond to the meter assigned to me. Despite being notified of this billing error, XXXX has failed to conduct any on-site inspection or investigation to verify meter <em>responsibility</em>. \nAdditionally, I vacated the rental <em>property</em> in the summer of last year. XXXX is attempting to hold me liable for <em>charges</em> not incurred by me, which further confirms that the debt is inaccurate and does not belong to me."]},"sort":[14.855877,"19107432"]},{"_index":"complaint-public-v1","_id":"22294858","_score":14.3050995,"_source":{"product":"Credit card","complaint_what_happened":"ate : XX/XX/XXXX Re : CFPB Complaint Fraudulent Charge on Barclays XXXX XXXX | XXXX XXXX XXXX {$3100.00} To Whom It May Concern, I am submitting this complaint against Barclays Bank Delaware regarding an unauthorized charge of {$3100.00} posted to my XXXX XXXX account. Despite repeated efforts to resolve this matter directly with Barclays, the company has refused to conduct a thorough investigation or issue a credit for the fraudulent transaction. I am now requesting the Consumer Financial Protection Bureau 's assistance in resolving this dispute. Description of the Fraudulent Charge : On XX/XX/XXXX, a charge in the amount of {$3100.00} appeared on my Barclays XXXX XXXX from the merchant XXXX XXXX XXXX. I did not authorize this transaction, nor did I receive any goods or services associated with it. This charge was made without my knowledge or consent. Steps I Have Taken to Resolve This Matter : On XX/XX/XXXX, I contacted Barclays Bank directly to report the unauthorized charge and spoke with a representative named XXXX. I clearly communicated that I did not recognize or authorize the transaction and requested that it be investigated and removed from my account. Barclays opened a dispute ; however, the company ultimately sided with the merchant and refused to credit my account. I also sent written dispute letters to Barclays the same month, clearly documenting my position and requesting a full investigation. On XX/XX/XXXX, I escalated my complaint by writing to the Attorney General 's office, as neither Barclays nor the XXXX XXXX had taken meaningful steps to resolve the matter. Hotel 's Acknowledgment of Fraudulent Activity : It has come to my attention that the XXXX XXXX itself has acknowledged that individuals have accessed a fraudulent or cloned website associated with their property, resulting in multiple consumer complaints of a similar nature. This strongly suggests that my situation is part of a broader pattern of fraud. Despite this acknowledgment, neither the hotel nor Barclays has taken responsibility or made any effort to protect consumers who were victimized. Impact on Me as a Consumer : This fraudulent charge of {$3100.00} has caused significant financial hardship. I am being held responsible for a charge I did not make, and my repeated attempts to have this matter corrected have been ignored. Barclays ' failure to properly investigate this dispute is a violation of my rights under the Fair Credit Billing Act ( FCBA ) and Regulation Z, which entitle me to a fair and timely investigation of billing errors. Relief Requested : I respectfully request that the CFPB investigate Barclays Bank Delaware 's handling of my dispute and compel the following actions : 1. Immediate removal of the {$3100.00} fraudulent charge from my account ; 2. A full investigation into the unauthorized transaction by XXXX XXXX XXXX ; 3. Correction of any negative credit reporting resulting from this fraudulent charge ; 4. A written response from Barclays Bank Delaware explaining the outcome of their investigation. I have documentation supporting my claims, including my written dispute letters, correspondence with Barclays, and my letter to the Attorney General, which I am prepared to provide upon request. I trust that the CFPB will take this matter seriously and assist me in obtaining a fair resolution.","date_sent_to_company":"2026-05-18T03:47:48.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"22294858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-05-18T03:06:35.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I am now requesting the Consumer Financial Protection Bureau 's assistance in resolving this <em>dispute</em>. Description of the Fraudulent <em>Charge</em> : On XX/XX/XXXX, a <em>charge</em> in the amount of {$3100.00} appeared on my Barclays XXXX XXXX from the merchant XXXX XXXX XXXX. I did not authorize this transaction, nor did I receive any goods or services <em>associated</em> with it. This <em>charge</em> was made without my knowledge or consent."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[14.3050995,"22294858"]},{"_index":"complaint-public-v1","_id":"21525992","_score":14.043454,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/year>, I attempted to book a hotel reservation through XXXX using Afterpay as the payment method. Afterpay approved the transaction and processed a total charge of {$290.00}, structured into four installment payments.\n\nImmediately after booking, I received itinerary communications dated XX/XX/XXXX and XX/XX/year> ; however, no confirmed reservation was ever secured. Upon contacting the hotel property directly, I was informed that no reservation existed under my name, itinerary number, or booking details. \n\nI then contacted XXXX multiple times and was unable to obtain confirmation of a valid reservation. Their representatives could not locate any booking associated with my information or itinerary number. Despite this, the transaction remained active and was treated as valid. \n\nI escalated the matter to Afterpay, providing documentation showing that no reservation existed and that the service I was charged for was never delivered. Afterpay acknowledged the dispute but refused to resolve it, stating that they require written confirmation from XXXX, even though XXXX has failed to provide any such confirmation or acknowledge the error. \n\nAs a result, I have been charged for a service that was never rendered and can not be verified by the merchant, while being placed in a cycle where each party defers responsibility to the other. Afterpay has already collected an initial installment of {$74.00} and continues to hold me responsible for the remaining balance, despite clear evidence that no service was provided. \n\nI have made multiple documented attempts to resolve this issue directly with both Afterpay and XXXX, including requests for written confirmation, proof of booking, and refund processing. Neither party has provided sufficient documentation to validate the charge or resolve the issue. \n\nThis situation represents a failure to provide contracted services, improper billing, and a lack of reasonable dispute resolution. I am now seeking regulatory assistance because both companies have failed to correct an invalid transaction.","date_sent_to_company":"2026-04-23T14:58:49.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"93534","tags":null,"has_narrative":true,"complaint_id":"21525992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2026-04-23T14:35:23.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Neither party has provided sufficient documentation to validate the <em>charge</em> or resolve the issue. \n\nThis situation represents a failure to provide contracted services, improper billing, and a lack of reasonable <em>dispute</em> resolution. I am now seeking regulatory assistance because both companies have failed to correct an invalid transaction."]},"sort":[14.043454,"21525992"]},{"_index":"complaint-public-v1","_id":"15589073","_score":13.613115,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Chime for Handling Fraudulent Charges Dear CFPB, I am writing to formally file a complaint against Chime for their inadequate handling of disputes related to fraudulent charges on my account. Despite my extensive efforts to resolve these issues, Chime has repeatedly denied my claims without providing me with clear reasoning or adequate support. \n\nTo provide you with the details of my situation : 1. Initial Dispute : I filed my first dispute regarding fraudulent charges dating back to XX/XX/XXXX, for purchases made in XXXX for XXXX $ from XXXX ( a clothing store ). I have not received the goods or services associated with these charges, and the merchants involved have not responded to my multiple attempts to contact them via phone and email. \n2. Documentation : I have submitted comprehensive documentation to Chime, including screenshots of my attempts to contact the merchants, proof of payments, and evidence indicating that the charges were fraudulent. Despite this, my initial dispute has not been resolved. \n3. Subsequent Disputes : I filed two additional claims, both of which were denied twice. One from XXXX for XXXX $ and another from XXXX XXXX XXXX XXXX for XXXX XXXX These were supposed to be apartment applications, however, the apartment listing in question was not up to date / unkept by said property manager and were not actually available at the time of applying. After numerous calls, my husband and I finally managed to speak with the property manager ( responsible for the XXXX $ application fee we both had already paid for ) she let us know this apartment was not available and had not been available for months as it was already rented out months ago. She claimed she was sorry and that she would take down the apartment listing as to not confuse new renters, however, to this day the listing is still showing an available apartment and that you can pay XXXX $ to apply for it. So in turn, she refused to take down the listing that poses legitimate concerns about XXXX  and how they conduct and run their business. I reached out to Chimes customer service on XX/XX/XXXX and again on XX/XX/XXXX to inquire about these denials. During my last conversation, a representative assured me that I would receive an email detailing the reasoning behind the claims denials ; however, I have yet to receive any communication. \n4. Lack of Response from Merchants : I have made numerous attempts to contact the fraudulent merchants, but all efforts have been met with silence, further complicating my ability to resolve these issues directly.\n\n5. Pattern of Behavior : I have found that many other Chime customers have reported similar issues with fraudulent charges, indicating a systemic problem with Chimes response to such incidents. It appears that Chime is not fulfilling its legal obligations to protect its customers from fraud and ensure the return of funds for unauthorized transactions. \n\nGiven these circumstances, I find Chimes behavior unacceptable and believe that action is required to hold them accountable for their responsibilities in managing fraudulent charges. I request your assistance in investigating this matter, as I have exhausted all avenues for resolution. \n\nThank you for your attention to this important issue. I look forward to your response. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-28T15:12:02.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"85029","tags":null,"has_narrative":true,"complaint_id":"15589073","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-08-28T14:44:45.000Z","state":"AZ","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Initial <em>Dispute</em> : I filed my first <em>dispute</em> regarding fraudulent <em>charges</em> dating back to XX/XX/XXXX, for purchases made in XXXX for XXXX $ from XXXX ( a clothing store ). I have not received the goods or services <em>associated</em> with these <em>charges</em>, and the merchants involved have not responded to my multiple attempts to contact them via phone and email. \n2."]},"sort":[13.613115,"15589073"]},{"_index":"complaint-public-v1","_id":"21787793","_score":13.526313,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a rental debt being reported by Aldous & Associates on behalf of XXXX XXXX XXXX. \n\nI lived at the property from XX/XX/XXXX to XX/XX/XXXX. At move-in, I paid the required move-in amount, and during the lease I made consistent monthly rent payments of {$700.00}. In total, I made XXXX payments ( move-in payment plus 11 monthly payments ), as required under my lease. I have documentation supporting all payments, including confirmations and bank statements. \n\nBeginning around XX/XX/XXXX, I was informed by the property management that I owed a balance. However, each time I made a monthly payment, the alleged balance was shifted forward to the next month rather than being resolved. By XX/XX/XXXX, I was told I owed for that month despite having already paid in accordance with my established payment pattern. \n\nI visited the leasing office in person to resolve this issue, but staff were unable to clearly explain the basis of the alleged debt or provide a consistent accounting of the charges. I was informed that legal action might be pursued, but no such action was taken. Instead, the account was later referred to a collection agency and reported to the credit bureaus. \n\nThe debt being reported includes duplicate or inaccurate charges, including XX/XX/XXXX, which was already paid. The total balance of {$1900.00} is incorrect and does not reflect my actual payment history. \n\nBased on the account ledger provided by the property management, there is no clear indication of a specific unpaid rent month. Instead, the balance appears to be made up of multiple added charges and adjustments after my regular payments. \n\nIf XX/XX/XXXX rent was actually unpaid, it should be clearly reflected as a missed rent payment for that month. However, I had already vacated the unit on XX/XX/XXXX, and there is no consistent or transparent accounting showing that I failed to make a required rent payment. \n\nThis further supports that the reported balance is inaccurate and not properly itemized. \n\nFor example, the account ledger shows that I made a payment of {$700.00} on XX/XX/XXXX. However, immediately on XX/XX/XXXX, the account was charged again for rent ( {$570.00} ) and utilities ( {$130.00} ), without properly reflecting the prior payment. \n\nThis pattern suggests that payments were not correctly applied to the account, and instead new charges were added without resolving the existing balance. This created an artificial and inaccurate balance over time. \n\nAdditionally, part of this balance appears to include damage-related charges that are not valid. The apartment had existing issues during my tenancy, and I previously requested repairs from management. These issues were not properly addressed. I also have video evidence of the apartment condition at move-out, showing that the unit was left in comparable condition and that certain issues were pre-existing. \n\nI previously disputed this directly with the company on XX/XX/XXXX and XX/XX/XXXX and provided proof of payments and supporting documentation. However, they failed to provide proper validation or a complete itemized ledger explaining how this balance was calculated. \n\nDespite my documentation, the account was still sent to collections and reported to credit bureaus, which is damaging my credit. \n\nThis debt is inaccurate and does not reflect what I owe. \n\nI am attaching account ledger screenshots showing that I made consistent monthly payments, including a {$700.00} payment on XX/XX/XXXX, followed by new charges on XX/XX/XXXX. This demonstrates that payments were not properly applied and resulted in an inaccurate balance. \n\nI also have video evidence showing the condition of the apartment at move-out, including pre-existing damage and cleanliness issues. I previously reported these issues to management and requested repairs, but they failed to address them and later charged me for damages that were not my responsibility. \n\nThe apartment had ongoing water leaks and visible wall damage caused by moisture. As shown in the attached photos, there were clear signs of water intrusion and poor maintenance that were not caused by me. I reported these issues and requested repairs, but they were not properly addressed. Despite this, I was later charged for damages that resulted from these unresolved maintenance problems. \n\nThe apartment had significant maintenance and cleanliness issues, including plumbing leaks and unsanitary conditions, which I documented. I reported these issues to management and requested repairs, but they were not properly addressed. Despite this, I was later charged for damages that were not my responsibility.","date_sent_to_company":"2026-05-01T13:41:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"150XX","tags":null,"has_narrative":true,"complaint_id":"21787793","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldous & Associates, PLLC","date_received":"2026-05-01T11:17:31.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I am <em>disputing</em> a rental debt being reported by Aldous & <em>Associates</em> on behalf of XXXX XXXX XXXX. \n\nI lived at the <em>property</em> from XX/XX/XXXX to XX/XX/XXXX. At move-in, I paid the required move-in amount, and during the lease I made consistent monthly rent payments of {$700.00}. In total, I made XXXX payments ( move-in payment plus 11 monthly payments ), as required under my lease. I have documentation supporting all payments, including confirmations and bank statements."],"company":["Aldous & <em>Associates</em>, PLLC"]},"sort":[13.526313,"21787793"]},{"_index":"complaint-public-v1","_id":"12035787","_score":13.411358,"_source":{"product":"Debt collection","complaint_what_happened":"Dear National Credit Systems and CFPB, I am formally disputing the validity of this collection account and requesting its immediate removal from my credit report. While National Credit Systems , Inc. ( NCS ) has provided a breakdown of charges, they have failed to establish that I am legally responsible for this debt for the following reasons : 1. No Verifiable Evidence That I Owe This Debt I never lived at the address associated with this alleged debt.\n\nThere is no record on any credit reporting agency ( CRA ) that supports my residency at the stated location.\n\n- The contract document provided contains only a typed set of initials, ( from some IP address that Ive discovered, using XXXX XXXX, indicates it was from the city of XXXX, XXXX Ive lived in XXXX XXXX XXXX and moved here from XXXX XXXX where I was born and lived most of my life ), which does not constitute legally binding proof that I entered into any agreement or assumed financial responsibility. \n- Providing a list of charges does not prove that I personally incurred or authorized any financial obligations.\n\n2. Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting inaccurate or unverifiable information to CRAs.\n\n- NCS and the original creditor have failed to provide sufficient legal proof tying me to this debt, yet they continue to report it. If this debt remains on my credit report without proper validation, this constitutes a clear violation of the FCRA and I will consider legal action.\n\n3. Failure to Validate Debt Under the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S.C. 1692g, I have the right to request full validation of this debt. This means providing : - A legally binding contract with my wet ink signature. - Verifiable proof that I resided at the property.\n\n- A legally enforceable agreement obligating me to pay the charges. Simply providing a breakdown of charges does not satisfy this requirement. The burden of proof lies with NCS and the original creditor, not with me.\n\nRequested Action : I demand that National Credit Systems , Inc. and the original creditor : Immediately remove this unverifiable debt from my credit report under 15 U.S.C. 1681s-2 ( a ) ( 1 ).\n\nProvide indisputable proof that I signed a legally binding agreement and resided at the property.\n\nIf they can not provide proper documentation, they must cease all collection efforts and remove the account permanently.\n\nIf this matter is not resolved, I will pursue all available legal remedies, including a complaint with the Federal Trade Commission ( FTC ) and possible litigation for violations of the FCRA and FDCPA. I expect the CFPB to investigate this issue thoroughly, as I have been disputing it for almost XXXX years without resolution.","date_sent_to_company":"2025-02-12T06:28:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"85719","tags":null,"has_narrative":true,"complaint_id":"12035787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-02-12T06:16:08.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Dear National Credit Systems and CFPB, I am formally <em>disputing</em> the validity of this collection account and requesting its immediate removal from my credit report. While National Credit Systems , Inc. ( NCS ) has provided a breakdown of <em>charges</em>, they have failed to establish that I am legally responsible for this debt for the following reasons : 1. No Verifiable Evidence That I Owe This Debt I never lived at the address <em>associated</em> with this alleged debt."]},"sort":[13.411358,"12035787"]},{"_index":"complaint-public-v1","_id":"17654115","_score":13.360155,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Second Notice Formal Dispute of Inaccurate Collection Account ( XXXX XXXX XXXX XXXX XXXX ) Under FCRA 609 and 611 Requirements To Whom It May Concern, I am submitting this letter as a formal follow-up dispute regarding the inaccurate and unlawful collection account reported by XXXX XXXX XXXX Associates for an alleged {$2200.00} debt originally associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. This item is still appearing on my Equifax report despite the same account being fully deleted by XXXX  and XXXX after their investigations. I am demanding immediate reinvestigation and removal, as required by federal law. \n\nAccount in Dispute : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX Amount : {$2200.00} Reported : XX/XX/XXXX Status : Open, Derogatory Reason for Dispute : Legally inaccurate, unverified, and the alleged debt is the result of a XXXX explosion and property loss on XX/XX/XXXX, which forced me to vacate my residence. \n\nBackground of the XXXX XXXX XX/XX/XXXX, a major underground explosion occurred at my residence, caused by XXXX equipment failure, resulting in a full loss of property and forced displacement. This incident was investigated with the involvement of the XXXX XXXX XXXX, and I suffered total loss of all belongings. Given that this damage originated from XXXX  own infrastructure issues, any resulting charges or debts tied to that property are not legally my responsibility. \n\nMy Position Under the Law Under FCRA 609 ( a ) and 611 ( a ), I have the right to request an investigation and the right to receive only verified, accurate, and complete information in my credit file. This account fails all three requirements : The debt is disputed and legally unenforceable because it was caused by XXXX  negligence and the destruction of my residence. \n\nThe furnisher can not validate this debt, as shown by both XXXX  and TransUnion already removing it after reinvestigation. \n\nEquifax is required by FCRA 611 ( a ) ( XXXX ) to delete any item that can not be verified with legally sufficient documentation. \n\nFurthermore, reporting an account that can not be validated constitutes willful and negligent non-compliance under FCRA 616 and 617, which exposes both Equifax and the furnisher to statutory damages. \n\nRequired Action I am demanding the immediate deletion of this account from my Equifax credit file. \nSince this account has already been removed from both XXXX  and XXXX, it is clear that the item can not be verified and should not remain on my Equifax report. \n\nI request the following : Immediate deletion of the XXXX XXXX XXXX / XXXX collection account. \n\nA new updated copy of my Equifax credit report showing the account removed. \n\nDocumentation used to verify this account, as required by FCRA 609. \n\nIf Equifax continues to report this unverifiable account, I will escalate the matter to : The Consumer Financial Protection Bureau ( CFPB ) The XXXX  Attorney General The FTC My personal legal counsel Please complete your investigation and deletion within the required XXXX window and mail the updated results to the address above. \n\nThank you for your immediate attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-02T19:30:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30236","tags":"Servicemember","has_narrative":true,"complaint_id":"17654115","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-02T19:09:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Background of the XXXX XXXX XX/XX/XXXX, a major underground explosion occurred at my residence, caused by XXXX equipment failure, resulting in a full loss of <em>property</em> and forced displacement. This incident was investigated with the involvement of the XXXX XXXX XXXX, and I suffered total loss of all belongings. Given that this damage originated from XXXX  own infrastructure issues, any resulting <em>charges</em> or debts tied to that <em>property</em> are not legally my <em>responsibility</em>."]},"sort":[13.360155,"17654115"]},{"_index":"complaint-public-v1","_id":"2740187","_score":12.870535,"_source":{"product":"Checking or savings account","complaint_what_happened":"I would like to report a scam! \n\nIn or around XXXX XXXX, XXXX I opened account # XXXX with Citibank for {$110000.00}. Unfortunately, I hadnt established plans for these funds yet, so I placed {$49000.00} in a Citibank CD. As my plans developed, I realized a CD was probably a bad decision and converted it back to regular savings. As a result, I incurred a {$61.00} penalty. Im not necessarily disputing this charge, it was the result of my error in decision making. A couple months later, I discovered a good direction for the funds and invested in an income property. I discovered a property around XXXX XXXX, XXXX. I walked into a branch on XXXX XXXX to execute a wire transfer for the full amount in account # XXXX. I also advised the banker that this transaction also closes out the account. At this exact stage in the process, I feel there should be no further action necessary on my part for the following reasons : 1. This was a savings account, so there were no outstanding checks for either party to be concerned about. \n2. Citibanks system would not allow me to execute an online wire transfer for the full amount of my account ; therefore, I had to physically go into a branch to have a banker execute a wire transfer and close out my account. \n\na. If I were writing process steps for a customers savings account close-out process, the customers obligation would end HERE! There is absolutely no logical reason a customer should have any duty beyond this point. It is not my responsibility to help Citibank clean up its accounts. If I physically walk into a branch, withdraw my money and terminate my relationship with the bank for whatever reason, there should be nothing else! \n\nBut unfortunately, like a jilted lover there is more. \n\n3. When I expressed my intentions of executing a wire transfer for the full amount of my account and closing the account, the banking associate asked me to call in a few days later to close out the account. I dont know why my account wasnt placed on some internal Citibank employee close-out list, and just taken care of. \nWhy do I need to express my intentions twice? To add insult to injury, apparently following those steps was't even sufficient. Because XXXX months later I am receiving threatening e-mails about an account I closed out XXXX months ago. \n\n4. As ridiculous as this matter is, my attached phone records prove I followed he directions and called the number on the back of my Citibank ATM card to close-out my account. I spoke to a Banking associate on the phone, provided her with the details of my latest transaction and informed her of my wishes to close my account and terminate my banking relationship with Citibank. I see this as nothing more than an obvious scam to try and squeeze more money out of consumers. \n\nThe person on the phone assured me the process had been completed, yet XXXX months later Im still being contacted regarding {$55.00} in outstanding service charges. This is not my problem, Citibank needs to revise their Savings account close-out procedures and stop trying to scam consumers for more money. I did everything I was supposed to do. No matter whether we are in person, or on the phone, we are at the mercy of banking employees and trusting them to follow through on our requests. My position is that it is the banks responsibility to trace their employee on the receiving end of my phone call, and determine why my account was not closed out on XXXX XXXX nor 3 days later on the XXXX. When in this process, do you own up to your broken processes and procedures? Therefore, fair resolution in my eyes would be clearing my name of the {$55.00} debt, and stop sending me e-mails, period!","date_sent_to_company":"2017-11-29T08:46:43.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"92504","tags":null,"has_narrative":true,"complaint_id":"2740187","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-11-29T02:49:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fees charged for closing account"},"highlight":{"complaint_what_happened":["Im not necessarily <em>disputing</em> this <em>charge</em>, it was the result of my error in decision making. A couple months later, I discovered a good direction for the funds and invested in an income <em>property</em>. I discovered a <em>property</em> around XXXX XXXX, XXXX. I walked into a branch on XXXX XXXX to execute a wire transfer for the full amount in account # XXXX. I also advised the banker that this transaction also closes out the account."]},"sort":[12.870535,"2740187"]},{"_index":"complaint-public-v1","_id":"20767584","_score":12.751459,"_source":{"product":"Debt collection","complaint_what_happened":"I, XXXX XXXX, am submitting this complaint regarding inaccurate and fraudulent reporting related to an account associated with XXXX XXXX XXXX XXXX  and subsequent collection activity. \n\nI formally declare that accounts appearing on my credit file in connection with this matter are the result of identity theft, fraud, and/or inaccurate reporting. I did not authorize, apply for, or assume liability for the amounts currently being reported. \n\nI originally entered into a lease agreement with XXXX XXXX XXXX XXXX. Due to ongoing tenant harassment and safety concerns that began shortly after move-in and continued throughout my tenancy, I was forced to vacate the premises approximately XXXX months prior to the lease end date. I did not renew my lease, nor did I sign any extension or new agreement. \n\nDespite this, the property management company continued to bill me as if I remained in the unit for an additional full lease term after my original lease expired. These charges are false and unauthorized. I have documentation showing the original lease terms as well as records reflecting continued billing after the lease had already ended. \n\nAdditionally, I experienced highly unusual and concerning activity during this time. Packages were allegedly delivered to the property in my name after I had already relocated approximately XXXX hours away. I did not order these items. These actions created the false appearance that I was still residing at the property when I was not. \n\nAt the same time, I was the victim of identity theft. My personal documents, including my birth certificate, Social Security card, and other belongings, were stolen. I believe my identity may have been used without my authorization in connection with this matter to falsely represent occupancy or financial responsibility. \n\nThe alleged balance has now escalated to over {$45000.00} and continues to increase. This account has been placed with a debt collector, XXXX XXXX, and the collection activity has been persistent and distressing. \n\nI have disputed this matter with TransUnion on multiple occasions, but the inaccurate information has not been corrected. \n\nThis notice is provided pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX, XXXX ( b ), XXXX, XXXX, and XXXX ), as well as XXXX XXXX. XXXX. \n\nI am requesting : A full and thorough investigation into this account XXXX of the alleged debt with valid documentation XXXX removal of any inaccurate, unverified, or fraudulent information from my credit file XXXX of collection activity unless lawful validation can be provided If any furnisher of information can not provide proper verification, the account must be deleted in accordance with federal law. \n\nI declare under penalty of perjury that the foregoing is true and correct.","date_sent_to_company":"2026-03-30T11:52:52.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Rental debt","zip_code":"77062","tags":null,"has_narrative":true,"complaint_id":"20767584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2026-03-30T10:53:10.000Z","state":"TX","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I believe my identity may have been used without my authorization in connection with this matter to falsely represent occupancy or financial <em>responsibility</em>. \n\nThe alleged balance has now escalated to over {$45000.00} and continues to increase. This account has been placed with a debt collector, XXXX XXXX, and the collection activity has been persistent and distressing. \n\nI have <em>disputed</em> this matter with TransUnion on multiple occasions, but the inaccurate information has not been corrected."]},"sort":[12.751459,"20767584"]},{"_index":"complaint-public-v1","_id":"17316944","_score":12.611476,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I applied only as a co-signer for a new lease at that property. My screening was approved, but the primary applicant, my daughter who was already residing in the unit at the time and she was denied. As a result, no lease was ever executed with me, and the property manager at the time explicitly stated that since my daughter the was denied as the applicant, she would be required to vacate the unit. At the time of the denial. My daughter was current on her rent and was not delinquent at the time of the denial. \n\nI have ALL Email correspondences between my daughter and XXXX XXXX ( Retired Property Manager at Residences at XXXX XXXX ) and XXXX XXXX ( Former Regional Manager at XXXX ), XXXX and XXXX My Screening Report, which was not submitted until XX/XX/XXXX, at XXXX PM ( approved as a guarantor ) for the new affordable application for the primary applicant which was submitted on XX/XX/XXXX. \n\nEmail correspondence was sent on Friday, XX/XX/XXXX, at XXXX PM the day after my screening report was submitted and XXXX XXXX denied the application. XXXX XXXX gave reason for denial and communicated through email an illegal eviction. \n\nBoth employees of XXXX, XXXX XXXX and XXXX XXXX violated XXXX  violated Tenants Rights ; XXXX Eviction Protection for Residential Tenants, XXXX Landlord Procedures for Removal of Tenants and XXXX Residential Lease Copy and Rent Receipt. \n\nAfter I received the first email, I made several attempts to correct this error by sending an email on XX/XX/XXXX. I emailed both XXXX and the property manager at XXXX XXXX to dispute the billing. Prior to this email, I made multiple phone calls to the leasing office after receiving text messages indicating a balance was due. I was told by the staff that this was an error, and I was advised to forward my concern to the billing department. Despite this, I have never received any response neither a return call nor an email follow-upfrom XXXX billing or the XXXX XXXX leasing office. \n\nAdditionally, my daughter, herself contacted the office and requested that my phone number be removed from her account and informed them that I was never a party to her lease. \n\nThe last email which I received on XX/XX/XXXX, sent from XXXX XXXX XXXX, In which I responded explaining that I never signed a lease and that the primary applicant was denied. He called me once receiving the email and he stated that he would reach out to the property manager at XXXX XXXX and get a copy of the lease and contacted me once he obtained the information. I NEVER received any follow-up communication from XXXX XXXX XXXX this billing issue. \nI was under the impression that upon investigation within XXXX, XXXX XXXX would contact me back since he was employed by XXXX, either by phone or by email which never occurred. When I recently contacted XXXX XXXX, he stated that he never received a response from XXXX XXXX XXXX, which I find comical because he works for XXXX. How does he not know how to escalate within his own company when billing charges are in dispute?\n\nThe point is absolutely have no legal or financial responsibility for this lease or any outstanding balance associated with it. ITQ DATA INTERNATIONAL has now place {$7900.00} on my credit as a collections and the only recourse they are stating is for me to pay the balance of a fraudulent bill.","date_sent_to_company":"2025-11-19T02:23:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"809XX","tags":null,"has_narrative":true,"complaint_id":"17316944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-11-19T01:45:31.000Z","state":"CO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["How does he not know how to escalate within his own company when billing <em>charges</em> are in <em>dispute</em>?\n\nThe point is absolutely have no legal or financial <em>responsibility</em> for this lease or any outstanding balance <em>associated</em> with it. ITQ DATA INTERNATIONAL has now place {$7900.00} on my credit as a collections and the only recourse they are stating is for me to pay the balance of a fraudulent bill."]},"sort":[12.611476,"17316944"]},{"_index":"complaint-public-v1","_id":"16297168","_score":11.65097,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to formally dispute multiple inaccurate and unverifiable entries on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request full reinvestigation, correction, or deletion of the listed items. \n\nAddress XXXX XXXX XXXX XXXX XXXXXXXX This address is incorrectly listed and I have no connection to this property. Reporting an incorrect address violates FCRA Section 609 ( a ) ( 1 ), which grants me the right to request verification of all reported information. I have never lived here, received mail here, or held any financial account associated with this property. Its presence misrepresents my residency history to creditors. Incorrect addresses can cause identity confusion and potential fraud. Previous disputes regarding this address were ignored, which violates FCRA Section 611 ( a ). Reporting this address harms my credibility and could lead to wrongful credit decisions. Immediate deletion is required to maintain accuracy. This address is unverifiable and should be removed. \n\nAccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported with late payments that I never made. Under FCRA Section 611 ( a ), I am entitled to accurate reporting, and the bureau must correct or delete inaccurate information. I never missed payments on this account, and all statements show timely payments. This inaccurate reporting has caused unjust harm to my credit score and misrepresented my financial responsibility. I have requested verification in prior disputes, but the errors remain uncorrected. These false entries could lead to higher interest rates and denial of credit. The reporting of late payments without verification violates FCRA Sections 607 ( b ) and 623 ( a ) ( 8 ). I request immediate deletion of these inaccurate entries. Continued reporting without verification is a violation of my rights. This accounts false reporting affects my ability to secure loans. All data associated with this account should be verified, and until verification is provided, these late payments must be removed. I demand written confirmation of the reinvestigation results. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$890.00} Reported late payments are inaccurate. I never missed payments and dispute this under FCRA Sections 607 ( b ) and 611 ( a ). Statements and account history confirm timely payments. This false reporting has caused financial harm, including misrepresentation to lenders and potential credit denials. Prior disputes were ignored, indicating failure to comply with FCRA mandates. Continued reporting of unverifiable late payments is a violation of my consumer rights. I demand correction or deletion until verified. These inaccurate entries affect my credit score and financial opportunities. Reporting false late payments is damaging and unacceptable. All information must be verified. I expect immediate removal of any entries that can not be verified. \n\nXXXX XXXX XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$550.00} Charge-off status is reported incorrectly. I dispute the legitimacy of this charge-off and request verification under FCRA Section 611 ( a ). I never received notice of default or charge-off. Reporting this status without verification is a violation of my rights and misrepresents my financial record. This false entry negatively impacts my credit score and ability to access financial products. Prior dispute attempts were ignored, violating FCRA mandates. All data must be validated before reporting. I demand deletion of the charge-off until verified. Failure to correct this misrepresentation is harmful and unacceptable. Reporting unverified charge-offs is a direct violation. I request written confirmation of deletion or correction. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} Late payments reported are false. I have always paid timely, and these entries violate FCRA Sections 607 ( b ) and 611 ( a ) because they are inaccurate and unverified. Account statements confirm timely payments. These false reports harm my creditworthiness and misrepresent my financial responsibility. Prior disputes have been ignored. The data furnisher must verify all entries before reporting. Any unverifiable entries must be deleted. These false late payments create unfair barriers to future lending. I demand immediate correction or deletion. Misreporting late payments is a violation of my rights under FCRA. I expect written proof of reinvestigation results. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$2400.00} Reported late payments are inaccurate. Under FCRA Section 611 ( a ), I request reinvestigation as I never defaulted. Statements show timely payments. False reporting negatively impacts my credit score. Prior dispute attempts were ignored, violating FCRA. Unverified entries must be deleted. Reporting these late payments without verification is misleading and harmful. I demand deletion of all inaccurate entries. Continued false reporting is unacceptable. I expect immediate correction. I request written confirmation of the reinvestigation results. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$800.00} This collection entry is disputed. I have no knowledge of this debt, and its reporting violates FCRA Sections 607 ( b ) and 611 ( a ). No documentation links me to this account. Reporting this collection harms my credit score and credibility. Prior reinvestigation requests were ignored. Unverified collections must be removed. Reporting without validation is a direct FCRA violation. I demand deletion until verification is provided. Failure to correct this entry is unacceptable. I expect written confirmation of deletion or correction. Continued reporting is unlawful. \n\nInquiry XXXX XX/XX/XXXX I did not authorize this inquiry. Reporting it violates FCRA Section 604 ( a ). No application or consent exists. Unauthorized inquiries misrepresent my credit behavior and impact my financial opportunities. Prior disputes regarding this inquiry were ignored. This entry must be deleted immediately. Reporting without authorization is illegal. I demand removal and expect written confirmation. Continued presence of this inquiry is a violation of FCRA. \n\nI certify that all the above information is true to the best of my knowledge. Each account and inquiry listed is inaccurate, unverified, and in violation of federal consumer protection laws. I demand that the CFPB direct the reporting entities to fully investigate, correct, or delete all inaccurate entries and unauthorized inquiries. I reserve the right to take further legal action if these violations are not resolved promptly and in full compliance with the FCRA and FDCPA.","date_sent_to_company":"2025-10-01T12:22:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92532","tags":null,"has_narrative":true,"complaint_id":"16297168","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-01T12:19:16.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have never lived here, received mail here, or held any financial account <em>associated</em> with this <em>property</em>. Its presence misrepresents my residency history to creditors. Incorrect addresses can cause identity confusion and potential fraud. Previous <em>disputes</em> regarding this address were ignored, which violates FCRA Section 611 ( a ). Reporting this address harms my credibility and could lead to wrongful credit decisions. Immediate deletion is required to maintain accuracy."]},"sort":[11.65097,"16297168"]},{"_index":"complaint-public-v1","_id":"3165789","_score":11.647185,"_source":{"product":"Mortgage","complaint_what_happened":"Re : XXXX MIN XXXX XXXX  certified copy of this request SETERUS has been sent via USPS certified mail.\n\nI hereafter \" CLAIMANT '' is a victim of predatory lending practices serviced by SETERUS, Inc. or \" LENDER '' The CLAIMANT is in acceptance of the amount owed to LENDER for loan number XXXX MIN : XXXX/SETERUS, Inc if the LENDER can provide the following listed exculpatory evidence and explanation of the following documentation associated with this debt signed and dated and or notarized on and/or after XX/XX/XXXX that gives SETERUS, Inc. the right to collect a debt from the CLAIMANT ( 45years ) until XX/XX/XXXX.\n\nIn Summary : the CLAIMANT entered into contract of lending prepared by XXXX XXXX, XXXX , XXXX., XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, UTAH XXXX  on XX/XX/XXXX for {$89000.00} ( rounded ) to purchase a home for {$110.00}, XXXX ( appraised at XXXX ) with a conventional, XXXX XXXX backed home at 5.75 % for a 30 year mortgage and Witnessed by XXXX XXXX XXXX XXXX  # XXXX. The CLAIMANT paid XXXX  cash towards the purchase of the home and applicable costs in cash at closing. According to the Truth in Lending Statement provided for this loan the cost of this home with interest was to be {$180000.00} over the life of the loan. The CLAIMANT was 34 at the inception of XXXX loan XXXX. Under the current terms collected/serviced by SETERUS, Inc. the CLAIMANT will be 72 years old when this loan is paid off.\n\nThe CLAIMANT is expected to pay {$250000.00} in Principal and Interest for a home that had an estimated value of {$54000.00} in XX/XX/XXXX when the modification by the LENDER was completed. Under these terms the CLAIMANT is also paying insurance premiums for the value of the home at {>= $1,000,000} Since XXXX. Under the loan agreement the CLAIMANT will have paid an approx. {$95000.00} to insure the home.\n\nHistory : In XXXX the CLAIMANT began the process of loan modification with XXXX  , XXXX. the Loan # XXXX that was the servicer of this loan from XX/XX/XXXX to XX/XX/XXXX. My loan was transferred during the modification to SETERUS, Inc. on XX/XX/XXXX. Note : The reason for loan modification had been due to a gross underestimation in taxes and insurance through escrow that had fluctuated my original payment of {$660.00} to as high as {$950.00} to leveling off at {$700.00} in XXXX, which I paid until XX/XX/XXXX when the CLAIMANT received a loan modification through SETERUS , Inc .\n\nSince XXXX initial investment to the property of {$26000.00} the CLAIMANT has made a minimum of {$50.00} thousand dollars in improvements to the home in out of pocket expenses including and not limited to, air conditioning system, doors windows, electrical, plumbing, roof, exterior stucco and landscaping. The CLAIMANT has {$65000.00} invested in the home including taking responsibility of the all repairs made from damage incurred from Hurricane IRMA.\n\nListed in this formal complaint are simple requests of documentation from the LENDER SETERUS, Inc. from the CLAIMANT borrower. The CLAIMANT requests CBFS in connection and/or on the Attorney General of the United States to rectify and release the burdens of loan including all fees collected for payment, attorney fees, and property inspections associated in tremble. The following are request for information regarding this loan to the LENDER. Please note that the CLAIMANT has exculpatory evidence and/or reference for all requests list below : 1. Provide a payoff amount for loan number XXXX  as issued by SETERUS , Inc . Incorporated dated XX/XX/XXXX.\n\n2. As I have not received a payment coupon for XXXX XXXX payment from SETERUS, Inc the CLAIMANT shall use the XX/XX/XXXX statement of transfer to acknowledge the 30 day period to dispute payment.\n\n3. Provide accounting of all fees collected under loan number XXXX including but not limited to $ 10 monthly fees paid by phone as issued by SETERUS, Inc, Inc. and including reference to of the rights to collect these fees under a signed and notarized contract between The CLAIMANT and the LENDER from XX/XX/XXXX to XX/XX/XXXX.\n\n4. Provide an explanation of letter from the LENDER ask quoted below and dated XX/XX/XXXX to : NOTICE OF DEBT XXXXXXX ( claimant ) XXXX XXXX XXXX, XXXX The total amount owing on your transfer date of XX/XX/XXXX to SETERUS, Inc was {$0.00}. The current amount owing is itemized below. * ( total stated {$79000.00} ) 5. Please provide exculpatory evidence and reference to the contract of mortgage that the CLAIMANT is in fact the borrower and responsible to pay for the following charges as itemized by SETERUS , Inc, Inc. on the above referenced letter. Itemization of Current Amount Owing in boxed columns and lines as described below in reference to above described letter ( 3. ) of this document disregarding Line One as Title Line. * Column 3 Added Charges From SETERUS, Inc 1. Interest Charges in the amount of {$860.00}.\n\n2. Late Charges in the amount {$35.00} 3. Legal/Attorney Fees {$2.00} 4. Property Inspection Costs {$15.00} 5. Total Amount Owing {$79000.00} 6. Please provide the time, date, and full name/company for each inspection performed of the property associated with this loan, their findings, photographs and State of Florida license number for each individual that performed the inspection of home.\n\n7. Please provide the time, date, and full name/company that provide inspection, their findings and State of Florida license number for each individual performing the inspection of home after Hurricane IRMA and charged to the CLAIMANT by SETERUS , Inc. and the findings of these reports and all or any photographs taken during property inspection.\n\n8. Please provide the names of all Board Members and Principles and addresses of all officers of SETERUS , Inc .\n\n9. Provide the name and license number and notarized signature affidavit of the individual that signed a contract for mortgage modification in the State of Florida on XX/XX/XXXX.\n\n10. Provide exculpatory evidence of the LENDERS signed in ink original documents and all of the following documents listed 1-8, including but not limited to, all RESPEC required documents/federal for a mortgage loan loan provided to the CLAIMANT in Good Faith of this Loan agreement by SETERUS , Inc, Inc. Signed/acknowledged by the CLAIMANT.\n\n1. Federal Truth in Lending Statement.\n\n2. Amortization Schedule with final payment.\n\n3. General Warranty Deed.\n\n4. Initial Escrow Disclosure Statement.\n\n5. Florida Lender Disclosure Form.\n\n6. Servicing Disclosure Statement.\n\n7. Notarized Affidavit of Signature 8. All required HUD forms 11. Provide a copy of all additional XXXX XXXX forms associated with this loan as a XXXX XXXX backed mortgage from XX/XX/XXXX to XX/XX/XXXX. Signed/acknowledged by the CLAIMANT.\n\n12. Provide the credentials/title and State of Florida license of all authorized signer 's of the modification agreements and the documents used to determine modification of this loan in the year of XXXX.\n\n13. Provide a Truth in Lending Statement for Loan Modification Agreement dated XX/XX/XXXX and first payment notification of this loan. Signed/acknowledged by the CLAIMANT.\n\n14. Provide the Amortization schedule for Loan Modification Agreement by the LENDER from its inception on XX/XX/XXXX thru to final payment in XXXX.\n\n15. Provide a Notarized Affidavit of Signature from the CLAIMANT for the Loan Modification Agreement dated XX/XX/XXXX.\n\n16. Please Florida Lender Disclosure Form Loan Modification Agreement dated XX/XX/XXXX. Signed/acknowledged by the CLAIMANT.\n\n17. Explain the reason for calling my phone harassment when mortgage was current and the CLAIMANT has repeatedly specified that I to be contacted by USPS/mail only.\n\n1. XX/XX/XXXX ( Mon ) XXXX XXXX 2. XX/XX/XXXX ( Mon ) XXXX XXXX 3. XX/XX/XXXX ( Sat ) XXXX XXXX 4. XX/XX/XXXX ( Thur ) XXXX XXXX 5. XX/XX/XXXX ( Tues ) XXXX XXXX 18. Explain why there is a past due amount charges on my bill that miraculously matches the payment of this loan and describe in detail what each of these charges are pertaining to. Note : I have contacted SETERUS, Inc several times to ask if my mortgage was current and told that they were miscellaneous fees to be explained by written request only.\n\n19. Provide an itemized list of these charges along with the times, dates and license numbers all Attorney fees and property inspection fees.\n\n20. Please provide a detailed explanation of the past due charges on XX/XX/XXXX billing statement that miraculously matches the payment of this loan precisely and describe in detail what each of these charges are pertaining to. Note : I have contacted SETERUS, Inc. several times to ask if the mortgage was current and told that they were miscellaneous fees to be explained by written request only.\n\n21. Please Provide the first Billing Statement with Payment Coupon provide by the LENDER for this loan.\n\n22. Acknowledge that a payment was scheduled for the XX/XX/XXXX installment to SETERUS, Inc. via phone on XX/XX/XXXX.\n\n23. Please provide the names of all individuals/officers of the company of SETERUS , Inc , Inc. that entered into an agreement for loan modification with the CLAIMANT.\n\n24. Provide the last Billing Statement with Payment Coupon sent by SETERUS , Inc .\n\n25. Acknowledge that a payment was scheduled for the XX/XX/XXXX installment to SETERUS, Inc. via phone on XX/XX/XXXX.","date_sent_to_company":"2019-03-05T12:09:23.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3165789","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2019-02-28T18:46:04.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Interest <em>Charges</em> in the amount of {$860.00}.\n\n2. Late <em>Charges</em> in the amount {$35.00} 3. Legal/Attorney Fees {$2.00} 4. <em>Property</em> Inspection Costs {$15.00} 5. Total Amount Owing {$79000.00} 6. Please provide the time, date, and full name/company for each inspection performed of the <em>property</em> <em>associated</em> with this loan, their findings, photographs and State of Florida license number for each individual that performed the inspection of home.\n\n7."]},"sort":[11.647185,"3165789"]},{"_index":"complaint-public-v1","_id":"8466561","_score":11.647021,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX I placed an order for XXXX XXXX XXXX, order # XXXX - XXXX - XXXX, which was an authorized transaction, on XX/XX/XXXX of XXXX I noticed an unauthorized transaction, order # XXXX - XXXX - XXXX, the XXXX were included with XXXX XXXX that I legitimately ordered, I made several attempts to return the unauthorized item but everytime I made an attempt to email the shipping label to any email address I received an error message, I requested a shipping label to be mailed to my current mailing address \" WELL '' over a week ago and never received it, on XXXX XX/XX/XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX and XXXX, XXXX at XXXX XXXX : XXXX and XXXX I spoke with several XXXX Associates concerning this issue, Including a Supervisor, the Supervisor stated that the reason I was having issues printing the shipping label to return the item that was unauthorized is because I don't have an email address linked with my XXXX Account, he also stated that I would have to speak with a a speacialist In the XXXX Department that assist with Login & Security matters as it relates to my email issue, after speaking with the specialist he was unable to help me link my XXXX XXXX to my XXXX Account,, on XX/XX/XXXX at XXXX And XXXXXXXX XXXX I called Cahse Visa XXXX Rewards Cards Services to dispute the transaction, a new card has been issued and the current card ending in # XXXX is suppose to be closedand or deactivated after explaining this matter to a representative in their Fraud Department on XX/XX/XXXX at XXXX, he refused to provide me with any form of temporary credit even after explaining to him that I didn't place the order, it was unauthorized and XXXX representatives are not providing me with any means or resolutions to return the unauthorized item, the representative hung up on me, this type of bias and unprofessional behavior occurred with both XXXX and Chase Visa Credit associates, ,the impression I've received from those who sound of XXXX decent that since I'm XXXX XXXX XXXX XXXX XXXX XXXX they don't feel I should be treated or address in an professional manner or with any respect or proper assistance, because I didn't authorize the transaction I know that the {$15.00} fee and or charge shouldn't be my responsibility or any return shipping fees, the very fact that the matter concerning the Email Address in this matter, not being properly assisted in that matter is proof XXXX has placed an individual in a position that they are unqualified to be in, further more,, AGAIN, all parties I spoke with were in a rush to get off the phone and some even tried to out and over talke me, because this Chase Visa Card is directly associated with XXXX I come to the conclusion that Chase Visa in this capacity will do everything possible to avoide property addressing errors and other issues that are associated with XXXX, which is giving XXXX a huge advantage in matters like mines, on 80 % of the cables made to both XXXX & Chase Visa a representative hung up in my face! when they feel they can resolve your issue or if you asked to speak with a Supervisor, because of this matter I will no longer use the Chase Visa card to make purchases associated with XXXX or Online period! I've never experience this level of bias, unprofessional treatment from any other credit card provider as I have from Chase Visa.","date_sent_to_company":"2024-03-04T15:19:51.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"30236","tags":null,"has_narrative":true,"complaint_id":"8466561","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-03-02T05:31:48.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["XXXX has placed an individual in a position that they are unqualified to be in, further more,, AGAIN, all parties I spoke with were in a rush to get off the phone and some even tried to out and over talke me, because this Chase Visa Card is directly <em>associated</em> with XXXX I come to the conclusion that Chase Visa in this capacity will do everything possible to avoide <em>property</em> addressing errors and other issues that are <em>associated</em> with XXXX, which is giving XXXX a huge advantage in matters like mines"],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[11.647021,"8466561"]},{"_index":"complaint-public-v1","_id":"12967544","_score":11.05764,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, This is a formal dispute and demand for immediate deletion of any and all alleged balances, debts, or lease responsibilities associated with my name in connection to XXXX. Under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), it is illegal to furnish inaccurate or misleading information regarding a consumer 's financial obligations. \nLet me be crystal clear : - I was never the leaseholderonly an occupant. \n- XXXX XXXX made all rent payments from XX/XX/year>XXXX  through XX/XX/year>XXXX  using his debit card, which your records must confirm. \n- I did not sign any lease agreement or accept financial liability for this property. \n- My father was assured over the phone that no payment was required to end the lease. \n- I vacated the unit on XX/XX/year>, yet rent was already paid through the end of the month. \nTherefore, any claim that I owe money or failed to meet financial obligations is fraudulent, and any attempt to report such false information to the credit bureaus is a direct violation of the FCRA and FDCPA ( Fair Debt Collection Practices Act ). \nXXXX XXXX XXXX DEMANDS : 1. IMMEDIATELY DELETE any alleged balance, debt, or rental obligation associated with my n a m e. \n2. CEASE & DESIST from reporting any erroneous or derogatory information about me to any third party, including credit bureaus.\n\n3. Provide written confirmation within 15 days that my name has been completely cleared from any financial responsibility tied to this lease. \nXXXX XXXX XXXX FAILURE TO COMPLY : If you fail to remove this false information, I will pursue legal action for willful violations of 15 U.S.C. 1681n, which allows for statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. I will also file formal complaints with the CFPB, FTC, and the state attorney general for deceptive practices and violations of federal law. \nYou have 15 days to comply. Consider this your final warning before legal escalation. \nSincerely, XXXX XXXX Subject : Account : XXXX Request for Debt Validation under the FDCPA To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced in your communication to me, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Please note that this is not a refusal to pay but a request for verification of the claimed debt. \nPursuant to federal law, I request the following information : 1. Proof that you have the legal right to collect this debt, including a copy of the signed contract or agreement between me and the original creditor. 2. A full itemization of the debt, including the original balance, any fees, interest, or additional charges added.\n\n3. The name and address of the original creditor and the account number associated with the alleged debt.\n\n4. Proof that you are licensed to collect in my state, including your collection agency 's license number and bond information, as required by California laws.\n\n5. Complete chain of custody ( assignment of debt ) showing the transfer of ownership of the debt from the original creditor to your agency.\n\n6. A copy of any judgment ( if applicable ) that grants you the authority to collect.\n\n7. Proof that the statute of limitations has not expired, showing the date of the last payment made on the account. \nUntil this requested information is provided, I dispute the validity of this alleged debt in its entirety and demand that you immediately cease all collection activities, including reporting to the credit bureaus, per 15 U.S.C. 1692g ( b ).\n\nAdditionally, per 15 U.S.C. 1692c ( c ), you are hereby notified that you may not contact me further regarding this matter, except to provide the requested verification or to notify me that collection efforts have ceased.\n\nPlease note that failure to respond to this request within 30 days will be considered as non-compliance with the FDCPA, and I will have no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state 's Attorney General 's office.","date_sent_to_company":"2025-04-23T18:30:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12967544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kimball, Tirey & St. John LLP","date_received":"2025-04-14T03:36:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["To Whom It May Concern, This is a formal <em>dispute</em> and demand for immediate deletion of any and all alleged balances, debts, or lease <em>responsibilities</em> <em>associated</em> with my name in connection to XXXX. Under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), it is illegal to furnish inaccurate or misleading information regarding a consumer 's financial obligations. \nLet me be crystal clear : - I was never the leaseholderonly an occupant."]},"sort":[11.05764,"12967544"]},{"_index":"complaint-public-v1","_id":"16001904","_score":10.756194,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint regarding inaccurate, misleading, and unauthorized information being reported on my credit report. These items are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. \nWrong Addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address I have never lived at this location, never signed a lease here, never received bills or mail here, and have no legal or financial connection to this property. The reporting of this address is dangerous because it creates a false identity trail, suggesting I lived at a place I never resided. Wrong addresses can lead to mistaken identity, fraudulent activity, and denial of credit opportunities. Under FCRA 1681e ( b ) credit bureaus must maintain the maximum possible accuracy of consumer information. Leaving this false address on my file creates the impression that I lived in multiple unrelated locations, which could raise red flags for lenders, landlords, and employers. This is damaging, misleading, and must be deleted. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is not my residence and was never associated with me. I never received mail, utilities, or financial documents here. Wrong address reporting has a serious negative impact because it can connect me to debts, legal cases, or fraudulent activity that do not belong to me. The credit bureaus have a legal responsibility under FCRA 607 ( b ) to ensure personal information reported is accurate and belongs only to the consumer in question. By attaching me to this wrong address, you are suggesting I may have multiple hidden residences, which is untrue and defamatory. This false reporting must be corrected immediately. \nAccounts in XXXXXXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX  High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account is reported as a charge off, but I dispute its accuracy. I have never been provided with original signed documentation proving the legitimacy of this debt. No billing statements, contracts, or breakdown of the alleged balance have been produced. Reporting a charge off without proper validation violates FCRA 609 ( a ) ( 1 ) ( my right to original documentation ), FCRA 611 ( a ) ( duty to reinvestigate disputed items ), and FDCPA 807 ( prohibiting false representation of debt ). This account has caused real harm including credit denials, higher interest rates, and unnecessary stress. If you can not provide full proof from the original creditor, this charge off must be deleted immediately as required by law. \nHarm and Impact These false accounts, late payments, and unauthorized inquiries have caused me significant harm including denial of credit, higher costs of borrowing, emotional distress, and reputational damage. My credit file is inaccurate and does not reflect my true financial behavior.\n\nRequested Resolution I am requesting that the CFPB investigate these violations and require the credit bureaus and furnishers to : 1. Delete the inaccurate charge off from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Correct or delete the late payment reporting from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Delete the unauthorized inquiry from XXXX XXXX  dated XX/XX/XXXX XXXX. Delete the unauthorized inquiry from XXXX XXXX dated XX/XX/XXXX XXXX. Delete the duplicate inquiry from XXXX XXXX dated XX/XX/XXXX XXXX. Provide me with written confirmation of all corrections and deletions These items are in violation of my rights under the FCRA, and I am requesting immediate corrective action to restore accuracy to my credit report.","date_sent_to_company":"2025-09-17T15:27:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32068","tags":null,"has_narrative":true,"complaint_id":"16001904","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-17T15:25:06.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Accounts in XXXXXXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX  High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : <em>Charge</em> Off This account is reported as a <em>charge</em> off, but I <em>dispute</em> its accuracy. I have never been provided with original signed documentation proving the legitimacy of this debt. No billing statements, contracts, or breakdown of the alleged balance have been produced."]},"sort":[10.756194,"16001904"]},{"_index":"complaint-public-v1","_id":"15711262","_score":10.679276,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit report that are materially harming my creditworthiness, causing financial and emotional distress, and misrepresenting my financial history. These inaccuracies include falsely reported collections, unauthorized inquiries, and misreported account information, which violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal and state laws. \nIncorrect Addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address has never been associated with me. Its inclusion on my credit report is entirely false and misleading. The incorrect address has caused confusion with lenders, prevented loan approvals, and created questions about my identity. I have never resided, conducted business, or authorized any activity at this location. This misreporting violates FCRA Sections 609, 611, and 623 and must be corrected immediately to prevent further damage to my credit profile and personal reputation. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is also incorrectly associated with me. I have never lived, rented, or conducted financial transactions from this property. Its presence on my credit report contributes to inaccurate records of my residency and may expose me to potential identity fraud. Immediate removal is demanded under applicable law to ensure accurate reporting and to prevent ongoing harm to my creditworthiness. \nAccount Disputes XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$130.00} Charge Off This account is incorrectly reported as a charge-off. I have maintained timely payments and have never defaulted. The false charge-off reporting has caused my credit score to drop significantly, resulted in the denial of credit applications, and increased financial stress. I possess statements and records proving all payments were made on time. Misreporting this account without validation constitutes a clear violation of FCRA Section 623. I demand immediate investigation, correction, or deletion of this entry. \nXXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$220.00} Charge Off This account has been inaccurately reported as a charge-off. I dispute the validity of this claim and have documentation verifying proper payment history. Reporting this charge-off is materially harmful as it misrepresents my payment reliability and damages my credit reputation. The false report affects my ability to obtain loans, rent property, and engage in normal financial activity. Verification must be provided immediately under FCRA Section 611.\n\nXXXX  XXXX XXXX Date opened : XX/XX/XXXX Original balance : {$53.00} Late Payment The reported late payment is false. I have maintained timely payment records that contradict this reporting. The incorrect notation is negatively impacting my credit score and has led to higher interest rates, denied credit applications, and undue stress. This inaccurate reporting misrepresents my financial responsibility and constitutes a violation of FCRA Section 611. Immediate correction is demanded. \nXXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$740.00} Charge Off This charge-off is inaccurately reported. I have never defaulted on this account to the extent reported. The false charge-off has materially harmed my credit score, caused multiple loan denials, and led to increased scrutiny by financial institutions. I possess evidence of timely payments and dispute the validity of this charge-off. Immediate correction or deletion is demanded under FCRA Section 611 and FDCPA Section 809. \nXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$460.00} Charge Off This account is falsely marked as a charge-off. I have documentation proving payment activity contradicting this reporting. The incorrect charge-off notation has resulted in higher interest rates, denied applications, and negative impacts on my financial opportunities. The reporting is materially misleading and violates FCRA and FDCPA regulations. Immediate correction is required. \nSOC SEC ADMIN OFFICE XXXX XXXX Date opened : XX/XX/XXXX Original balance : {$4700.00} Charge Off This account is inaccurately reported as charged-off. I dispute this entry and request verification. The false charge-off has caused lenders to perceive me as high-risk, affecting my ability to obtain loans, housing, and financial services. The reporting violates FCRA Section 611 and has led to reputational damage and undue stress. Immediate investigation and correction are required. \nXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$8700.00} Charge Off This account is incorrectly reported as charged-off and has never been properly validated. The reporting has caused severe harm to my credit profile, loan denials, and personal distress. I demand immediate verification, correction, or deletion of this account. The false reporting misrepresents my financial responsibility and violates both FCRA and FDCPA provisions. \nXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5300.00} Collection This account is incorrectly reported as a collection. I have never received any verified notice, statement, or legal communication regarding this debt. The reporting has caused my credit score to drop, resulted in denial of credit applications, and created unnecessary financial stress. This false reporting misrepresents my financial responsibility and is a violation of FCRA Sections 609, 611, and 623. I request immediate verification, correction, or deletion. The lack of proper validation from the creditor demonstrates negligence in reporting and harms my ability to secure loans, housing, and other financial services. \nXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$700.00} Collection This collection account is inaccurate and unverifiable. I have documentation proving I have no outstanding debt with this creditor. Misreporting this account has led to increased interest rates on my current financial obligations, denial of credit, and undue stress. This reporting is materially misleading, constitutes a violation of FCRA Sections 609 and 611, and demands immediate correction or deletion. The accounts presence on my report paints a false picture of my credit history, affecting my reputation and causing financial harm. \nXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$920.00} Collection I dispute this collection account. I have never been properly notified of any alleged debt, and the inclusion of this account is causing severe harm to my credit profile. Lenders reviewing this false collection perceive me as high-risk, which has caused loan denials and elevated financial costs. The reporting is materially false and violates FCRA regulations. Immediate investigation and correction are required to prevent ongoing damage. \nXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2300.00} Collection This collection account is inaccurately reported. I have never received validation, statements, or any communication confirming this alleged debt. The false collection is causing undue financial harm, including loan denials, higher interest rates, and emotional distress. The reporting is misleading and violates FCRA Section 611. Immediate verification, correction, or deletion is demanded to restore my accurate credit profile. \nXXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and inaccurately reported. I did not provide consent for this credit check. Unauthorized inquiries negatively affect my credit score, create confusion among lenders, and misrepresent my financial actions. Immediate investigation and removal are required under FCRA Section 604. \nXXXX  XXXX XXXX XX/XX/XXXX Inquiry This inquiry is reported without my authorization. I have never applied for or consented to any credit check with this creditor. The unauthorized reporting impacts my credit score and violates my rights under FCRA Section 604. Immediate deletion or correction is required. \nXXXX XXXX XXXX XX/XX/XXXX XXXX This inquiry is falsely reported. I did not authorize this credit check, and it inaccurately affects my credit profile. Unauthorized inquiries mislead lenders about my financial activity and should be removed immediately under FCRA Section 604. \nXXXX XXXX XXXX  XX/XX/XXXX Inquiry This inquiry is unauthorized and inaccurate. I have no record of applying or consenting to a credit check with this entity. The reporting negatively affects my creditworthiness and constitutes a violation of FCRA regulations. Immediate removal is required. \nXXXX XXXX XX/XX/XXXX Inquiry This inquiry is falsely reported. I never authorized this credit check, and its presence misrepresents my financial activity. Unauthorized inquiries cause damage to my credit score and must be removed immediately. \nXXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was unauthorized and inaccurately reported. I did not consent to any credit check from this entity. The false inquiry misleads lenders and negatively impacts my credit profile. Immediate removal is required under FCRA Section 604. \nXXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is false and unauthorized. I have never applied for credit or consented to a credit check with this entity. Unauthorized reporting misrepresents my financial activity and violates FCRA regulations. Immediate deletion is demanded. \nXXXX XXXX XX/XX/XXXX Inquiry This is a duplicate unauthorized inquiry. I never authorized this credit check. The false reporting negatively impacts my credit score and misrepresents my creditworthiness. Immediate correction or removal is required. \nThese false collections and unauthorized inquiries are materially harming my credit profile, causing loan denials, increased financial costs, emotional distress, and reputational damage. I demand that all unverifiable, inaccurate, or misleading information be corrected or removed immediately. Failure to comply will result in further legal action, including pursuing claims under FCRA, FDCPA, and other applicable laws. \nPlease treat this as a formal CFPB complaint to investigate, correct, and delete inaccurate information. I request a written response confirming receipt, the details of the investigation, and the actions taken within the timeframe required by law.","date_sent_to_company":"2025-09-04T23:30:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"15711262","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-04T23:28:35.000Z","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":["XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$220.00} <em>Charge</em> Off This account has been inaccurately reported as a <em>charge</em>-off. I <em>dispute</em> the validity of this claim and have documentation verifying proper payment history. Reporting this <em>charge</em>-off is materially harmful as it misrepresents my payment reliability and damages my credit reputation. The false report affects my ability to obtain loans, rent <em>property</em>, and engage in normal financial activity."]},"sort":[10.679276,"15711262"]},{"_index":"complaint-public-v1","_id":"15711254","_score":10.66118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit report that are materially harming my creditworthiness, causing financial and emotional distress, and misrepresenting my financial history. These inaccuracies include falsely reported collections, unauthorized inquiries, and misreported account information, which violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal and state laws. \nIncorrect Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX This address has never been associated with me. Its inclusion on my credit report is entirely false and misleading. The incorrect address has caused confusion with lenders, prevented loan approvals, and created questions about my identity. I have never resided, conducted business, or authorized any activity at this location. This misreporting violates FCRA Sections 609, 611, and 623 and must be corrected immediately to prevent further damage to my credit profile and personal reputation. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX This address is also incorrectly associated with me. I have never lived, rented, or conducted financial transactions from this property. Its presence on my credit report contributes to inaccurate records of my residency and may expose me to potential identity fraud. Immediate removal is demanded under applicable law to ensure accurate reporting and to prevent ongoing harm to my creditworthiness. \nAccount Disputes XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$130.00} Charge Off This account is incorrectly reported as a charge-off. I have maintained timely payments and have never defaulted. The false charge-off reporting has caused my credit score to drop significantly, resulted in the denial of credit applications, and increased financial stress. I possess statements and records proving all payments were made on time. Misreporting this account without validation constitutes a clear violation of FCRA Section 623. I demand immediate investigation, correction, or deletion of this entry. \nXXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$220.00} Charge Off This account has been inaccurately reported as a charge-off. I dispute the validity of this claim and have documentation verifying proper payment history. Reporting this charge-off is materially harmful as it misrepresents my payment reliability and damages my credit reputation. The false report affects my ability to obtain loans, rent property, and engage in normal financial activity. Verification must be provided immediately under FCRA Section 611. \nXXXX  XXXX XXXX Date opened : XX/XX/XXXX Original balance : {$53.00} Late Payment The reported late payment is false. I have maintained timely payment records that contradict this reporting. The incorrect notation is negatively impacting my credit score and has led to higher interest rates, denied credit applications, and undue stress. This inaccurate reporting misrepresents my financial responsibility and constitutes a violation of FCRA Section 611. Immediate correction is demanded. \nXXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$740.00} Charge Off This charge-off is inaccurately reported. I have never defaulted on this account to the extent reported. The false charge-off has materially harmed my credit score, caused multiple loan denials, and led to increased scrutiny by financial institutions. I possess evidence of timely payments and dispute the validity of this charge-off. Immediate correction or deletion is demanded under FCRA Section 611 and FDCPA Section 809. \nXXXX  XXXX BANK XXXX Date opened : XX/XX/XXXX Balance : {$460.00} Charge Off This account is falsely marked as a charge-off. I have documentation proving payment activity contradicting this reporting. The incorrect charge-off notation has resulted in higher interest rates, denied applications, and negative impacts on my financial opportunities. The reporting is materially misleading and violates FCRA and FDCPA regulations. Immediate correction is required. \nXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Original balance : {$4700.00} Charge Off This account is inaccurately reported as charged-off. I dispute this entry and request verification. The false charge-off has caused lenders to perceive me as high-risk, affecting my ability to obtain loans, housing, and financial services. The reporting violates FCRA Section 611 and has led to reputational damage and undue stress. Immediate investigation and correction are required. \nXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$8700.00} Charge Off This account is incorrectly reported as charged-off and has never been properly validated. The reporting has caused severe harm to my credit profile, loan denials, and personal distress. I demand immediate verification, correction, or deletion of this account. The false reporting misrepresents my financial responsibility and violates both FCRA and FDCPA provisions. \nXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5300.00} Collection This account is incorrectly reported as a collection. I have never received any verified notice, statement, or legal communication regarding this debt. The reporting has caused my credit score to drop, resulted in denial of credit applications, and created unnecessary financial stress. This false reporting misrepresents my financial responsibility and is a violation of FCRA Sections 609, 611, and 623. I request immediate verification, correction, or deletion. The lack of proper validation from the creditor demonstrates negligence in reporting and harms my ability to secure loans, housing, and other financial services. \nXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$700.00} Collection This collection account is inaccurate and unverifiable. I have documentation proving I have no outstanding debt with this creditor. Misreporting this account has led to increased interest rates on my current financial obligations, denial of credit, and undue stress. This reporting is materially misleading, constitutes a violation of FCRA Sections 609 and 611, and demands immediate correction or deletion. The accounts presence on my report paints a false picture of my credit history, affecting my reputation and causing financial harm. \nXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$920.00} Collection I dispute this collection account. I have never been properly notified of any alleged debt, and the inclusion of this account is causing severe harm to my credit profile. Lenders reviewing this false collection perceive me as high-risk, which has caused loan denials and elevated financial costs. The reporting is materially false and violates FCRA regulations. Immediate investigation and correction are required to prevent ongoing damage. \nXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2300.00} Collection This collection account is inaccurately reported. I have never received validation, statements, or any communication confirming this alleged debt. The false collection is causing undue financial harm, including loan denials, higher interest rates, and emotional distress. The reporting is misleading and violates FCRA Section 611. Immediate verification, correction, or deletion is demanded to restore my accurate credit profile. \nXXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and inaccurately reported. I did not provide consent for this credit check. Unauthorized inquiries negatively affect my credit score, create confusion among lenders, and misrepresent my financial actions. Immediate investigation and removal are required under FCRA Section 604. \nXXXX  XXXX XXXX XX/XX/XXXX Inquiry This inquiry is reported without my authorization. I have never applied for or consented to any credit check with this creditor. The unauthorized reporting impacts my credit score and violates my rights under FCRA Section 604. Immediate deletion or correction is required. \nXXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is falsely reported. I did not authorize this credit check, and it inaccurately affects my credit profile. Unauthorized inquiries mislead lenders about my financial activity and should be removed immediately under FCRA Section 604. \nXXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and inaccurate. I have no record of applying or consenting to a credit check with this entity. The reporting negatively affects my creditworthiness and constitutes a violation of FCRA regulations. Immediate removal is required. \nXXXX XXXX XX/XX/XXXX Inquiry This inquiry is falsely reported. I never authorized this credit check, and its presence misrepresents my financial activity. Unauthorized inquiries cause damage to my credit score and must be removed immediately. \nXXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was unauthorized and inaccurately reported. I did not consent to any credit check from this entity. The false inquiry misleads lenders and negatively impacts my credit profile. Immediate removal is required under FCRA Section 604. \nXXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is false and unauthorized. I have never applied for credit or consented to a credit check with this entity. Unauthorized reporting misrepresents my financial activity and violates FCRA regulations. Immediate deletion is demanded. \nXXXX XXXX XX/XX/XXXX Inquiry This is a duplicate unauthorized inquiry. I never authorized this credit check. The false reporting negatively impacts my credit score and misrepresents my creditworthiness. Immediate correction or removal is required. \nThese false collections and unauthorized inquiries are materially harming my credit profile, causing loan denials, increased financial costs, emotional distress, and reputational damage. I demand that all unverifiable, inaccurate, or misleading information be corrected or removed immediately. Failure to comply will result in further legal action, including pursuing claims under FCRA, FDCPA, and other applicable laws. \nPlease treat this as a formal CFPB complaint to investigate, correct, and delete inaccurate information. I request a written response confirming receipt, the details of the investigation, and the actions taken within the timeframe required by law.","date_sent_to_company":"2025-09-04T23:33:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77047","tags":null,"has_narrative":true,"complaint_id":"15711254","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-04T23:30:50.000Z","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":["XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$220.00} <em>Charge</em> Off This account has been inaccurately reported as a <em>charge</em>-off. I <em>dispute</em> the validity of this claim and have documentation verifying proper payment history. Reporting this <em>charge</em>-off is materially harmful as it misrepresents my payment reliability and damages my credit reputation. The false report affects my ability to obtain loans, rent <em>property</em>, and engage in normal financial activity."]},"sort":[10.66118,"15711254"]},{"_index":"complaint-public-v1","_id":"16287764","_score":10.582494,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute multiple inaccuracies, fraudulent accounts, and unauthorized inquiries on my credit report that have caused severe harm to my financial reputation, creditworthiness, and personal security. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which requires credit reporting agencies to ensure that all reported information is accurate, complete, and verifiable. Repeated reporting of accounts, late payments, charge-offs, and inquiries without my knowledge or authorization constitutes serious violations, resulting in undue stress, potential financial loss, and risk of identity theft. \nIncorrect Addresses Reported on My Credit Report : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX I have never lived, owned property, or authorized any financial activity at this address. Its reporting falsely implies residential ties that do not exist, creating confusion and potential harm to my creditworthiness. Immediate correction or deletion is warranted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me and has never been associated with my financial history. Its presence on my credit report suggests fraudulent activity and could adversely impact my ability to secure loans, housing, and other financial services. I request that this incorrect entry be deleted immediately. \nDisputed Accounts : XXXX XXXX XXXX Account XXXX * High Balance : {$510.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment I have never made a late payment on this account. Reporting it as late is factually incorrect and misrepresents my financial responsibility. This inaccurate reporting affects my credit score, potentially increasing my interest rates and limiting access to new credit. I request that this account be corrected to reflect accurate, timely payment history, as required under FCRA Section 1681i ( a ). \nXXXX XXXX Account XXXXXXXX XXXX XXXX High Balance : {$10000.00} | Date Opened : XX/XX/XXXX | Reported as Charge Off I have no knowledge of this account. I never opened, authorized, or received services for it. Reporting it as a charge-off is fraudulent, damaging my credit score, and exposes me to potential legal and financial consequences. This account must be immediately deleted from all credit reporting agencies, as its reporting is unauthorized and invalid. \nUnauthorized Inquiries : XXXX XX/XX/XXXX I did not authorize this inquiry. Reporting it violates my rights under FCRA and must be removed. \nXXXX  XX/XX/XXXX I have no connection to this inquiry. Its presence is inaccurate and fraudulent. Removal is necessary. \nThese inaccurate accounts and unauthorized inquiries are causing measurable harm to my credit profile, financial opportunities, and personal security. They may indicate potential identity theft or fraudulent activity that requires urgent investigation. I request the CFPB to take immediate action to compel all reporting agencies to investigate, correct, or delete these entries and provide written confirmation that these corrections have been completed. \nI further request documentation of any verification the reporting agencies claim to have obtained regarding these accounts and inquiries. I expect a full resolution in compliance with FCRA, including permanent corrections to prevent future misreporting. \nI certify under penalty of perjury that the information provided herein is accurate to the best of my knowledge.","date_sent_to_company":"2025-10-02T02:04:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92503","tags":null,"has_narrative":true,"complaint_id":"16287764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-02T02:02:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Disputed</em> Accounts : XXXX XXXX XXXX Account XXXX * High Balance : {$510.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment I have never made a late payment on this account. Reporting it as late is factually incorrect and misrepresents my financial <em>responsibility</em>. This inaccurate reporting affects my credit score, potentially increasing my interest rates and limiting access to new credit."]},"sort":[10.582494,"16287764"]},{"_index":"complaint-public-v1","_id":"15129538","_score":10.499083,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( Experian, Equifax, and TransUnion ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. \nADDRESS XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 15 USC 1681e ( b ) Requires consumer reporting agencies to ensure maximum possible accuracy Issue : This address is not mine and has never been associated with me. \nStory : I have never lived at or been affiliated with this address. Including this address on my credit report is inaccurate and may have contributed to the reporting of unrelated accounts. I am requesting an immediate investigation and removal of this address from my file. \n\nADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 15 USC 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy Issue : This is an incorrect and unverified address. \nStory : I have no connection to this property. Reporting this address creates confusion and risk of misidentification, which violates my rights. Please investigate this entry and permanently delete it from my credit report. \n\nACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} * * Law : FCRA 15 USC 1681s-2 Information furnishers must report accurate data ; FCRA 15 USC 1681i Right to dispute inaccurate information Issue : This account is being reported as a charge-off but is inaccurate and may not belong to me.\n\nStory : I dispute the validity and accuracy of this account. I was not given proper notice, and this alleged charge-off is hurting my credit unfairly. I request that you reinvestigate and provide me with the method of verification. If this can not be properly validated, it must be removed under the law. \n\nACCOUNT XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$890.00} * * Law : FCRA 15 USC 1681i Right to dispute inaccurate information ; FCRA 15 USC 1681s-2 Responsibility of furnishers to report correctly Issue : Reported as a charge-off, but the details are inaccurate and inconsistent. \nStory : I dispute this charge-off as I do not recall opening this account with XXXX. There was no notification or validation provided before it appeared on my report. This is a violation of my rights, and I demand deletion if verification can not be proven. \n\nACCOUNT XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Law : FCRA 15 USC 1681s-2 Furnishers must accurately report ; FCRA 15 USC 1681c Obsolete and irrelevant information must not be reported Issue : Late payment is being reported on an account with {$0.00} balance. \nStory : Reporting a late payment on a closed or zero-balance account is misleading. I request that this negative information be corrected or removed entirely. This affects my credit profile unfairly, and I demand a reinvestigation. \n\nThe continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.","date_sent_to_company":"2025-08-06T08:06:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92201","tags":null,"has_narrative":true,"complaint_id":"15129538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-06T08:03:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["ACCOUNT XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$890.00} * * Law : FCRA 15 USC 1681i Right to <em>dispute</em> inaccurate information ; FCRA 15 USC 1681s-2 <em>Responsibility</em> of furnishers to report correctly Issue : Reported as a <em>charge</em>-off, but the details are inaccurate and inconsistent. \nStory : I <em>dispute</em> this <em>charge</em>-off as I do not recall opening this account with XXXX. There was no notification or validation provided before it appeared on my report."]},"sort":[10.499083,"15129538"]},{"_index":"complaint-public-v1","_id":"13994198","_score":10.402732,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a collection account related to XXXX XXXX that appeared on my credit report without any prior notice. I was unaware of any outstanding balance or debt owed, as I moved from the residence on XX/XX/XXXX. At the time of my move, I was under the impression the account was closed or transferred. I was later informed by a XXXX XXXX representative that the account was no longer in my name and had been switched to someone else. \n\nI only became aware of this alleged debt after noticing the collection on my credit report. I then contacted the collection agency and requested a debt validation letter. What I received was a typed document with no clear verification that this debt is mine. It lacked a proper breakdown, documentation, or proof tying the charges directly to me. \n\nAdditionally, I reviewed the payment history with a representative, and based on the information discussed, I do not believe I am responsible for this debt especially considering that other residents also lived at the property, and I had moved prior to the final balance being applied ( the balance did not appear until late XX/XX/XXXX ). \n\nFurthermore, I never received any shut-off notices or communication about this account prior to seeing it on my credit report. There is no online XXXX XXXX account associated with my information I was advised by a representative that no such account exists in their system. It has now been XXXX years since I lived at the residence, and this alleged debt is only now surfacing on my credit report, which raises serious questions about its validity and timing On XX/XX/XXXX, at XXXX XXXX, I called to speak with a supervisor in the collections department. I spoke with a representative named XXXX. I politely explained that I was requesting a detailed and accurate debt validation letter, and I stated that I was only comfortable providing my name and mailing address. XXXX became rude, condescending, and combative. She refused to provide clear answers, would not confirm whether calls were recorded, and treated me in a dismissive and unprofessional manner. When I asked for her supervisor and requested a specific time to follow up, she said later without giving any actual timeframe. When I asked her to clarify, she responded sarcastically and ultimately hung up on me. \n\nI am extremely concerned about the legitimacy of this debt, especially given the lack of transparency, poor communication, and disrespectful conduct from the collection agencys staff. I am requesting a thorough investigation and that this item be removed from my credit report, as it has not been properly validated and does not appear to be my responsibility. \n\nSincerely,","date_sent_to_company":"2025-06-10T19:40:25.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"13994198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ONLINE Information Services, Inc.","date_received":"2025-06-10T19:28:52.000Z","state":"PA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["It lacked a proper breakdown, documentation, or proof tying the <em>charges</em> directly to me. \n\nAdditionally, I reviewed the payment history with a representative, and based on the information discussed, I do not believe I am responsible for this debt especially considering that other residents also lived at the <em>property</em>, and I had moved prior to the final balance being applied ( the balance did not appear until late XX/XX/XXXX )."],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[10.402732,"13994198"]},{"_index":"complaint-public-v1","_id":"4171932","_score":10.3167095,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear CFPB : I used my Discover card to make a payment to a property manager to cover the rent for a friend who was subletting an apartment. One XX/XX/2020, I paid {$2000.00} to XXXX XXXX XXXX  using the logon information given to my friend by the current leasee of the apartment. I did not share my credit card information with anyone else except directly with XXXX web site as required to make the payment. I never gave XXXX  permission to keep my credit card information in their system. I indicated that I was making just one payment for {$2000.00} and only that payment. Apparently XXXX kept my card information and someone used my card to make two additional charges of {$5000.00} on XXXX and another {$5900.00} on XX/XX/XXXX. \n\nI discovered this on XX/XX/XXXX and called XXXX to alert them of. these two {$5000.00} charges that i never authorized. They attempted to reverse the transactions but said that they could not. They assured me that if I call Discover that they should be able to reverse the charges. XXXX also removed all of my credit card information from their system immediately. I did not intend nor was I aware that my card information had been saved in their system. \n\nApparently, the current lessee admitted he logged on to the XXXX site ( the site that the property manager asks tenants to use to pay their rent ) to confirm that the payment was made. The lessee claims that he made an additional {$5000.00} payment using my credit card information by accident. He logged on the following day, XX/XX/XXXX and made another payment to his account with my credit card and has no explanation how or why that happened. I had my Discover card in my possession the whole time and never lost control of my card. I have in writing that the leaser made the two additional payments. The leaser never provided the signed sublet agreement and decided to cancel the whole transaction. he assured me i would get the full {$12000.00} plus fees returned. \n\nI called Discover and spoke to the fraud protection department and explained the situation and reported the unauthorized charges as fraud. They issued a temporary credit for the {$10000.00} charges ( plus the service fees that were charged by XXXX ) and began an investigation.. A few days later I discovered that my friend was never given the signed sublease agreement which was promised to be given to him as soon as the {$2000.00} payment had been made, I then called Discover and. told them to add the {$2000.00} payment to the charges that were. being disputed and reported as fraudulent as the agreed upon sublease was never delivered as agreed it would be after the payment had been made. \n\nI called XXXX XXXX XXXX  to discuss with them the fraudulent nature of the payments that were made. Despite numerous calls to. their main number I was only able to get voicemail. I left the details of what happened on several voicemails. I never got a call back from XXXX. \n\nI began the process of filing a police report and communicated with the chief of the Larceny division of the NYPD, XXXX XXXX, who put in touch with one of his detectives. His detective spoke by phone and i. gave him a summary of what occurred. He was scheduled to meet me that day so he could take my report. This was around XX/XX/XXXX, and the protests had begun after the death of XXXX XXXX. The detective was not able to meet. me. at the arranged time and I did not reschedule, as it seemed like the NYPD had their hands full dealing with the protests. \n\nIn addition to reporting these charges to Discover fraud protection and having the three charges disputed I also cancelled my Discover account and opened a new account with a new card and new account number. \n\nI received letters later from Discover indicating that they never got verification from the. merchant ( XXXX and /or XXXX XXXX ) and that my temporary credits would become permanent and the case closed. \n\nEverything was apparently settled until mid XXXX when i noticed that my balance to Discover had increased by over {$20000.00} with no explanation from Discover. I called and was told that the merchant XXXX had finally responded to the written request Discover had sent them asking if the charges were legitimate or not. The response indicated that they were legitimate. Discover had no further information about the charges, what they were for or why they were legitimate despite my clearly indicating they were not. They sent me nothing in writing to demonstrate the legitimacy of these charges. When I referenced their fraud protection program that the customer is responsible for {$0.00} for any unauthorized charges, they claim that because I provided the credit card information that was necessary to make the initial payment of {$2000.00} to XXXX, that any subsequent charges were considered a billing error and not a fraudulent charge. This seemed preposterous and not in accordance with their fraud protection policy. The additional charges of {$5000.00} and {$5000.00} were absolutely not authorized by me and in no way reflect a billing error. They could not explain why this occurred after I had already been told the credits were permanent ( over 90 days after the charges were made ). They were reminded that the law limits the customers responsibility as long as the customer has the physical card in their possession when the disputed charges were made ( which was the case ). They were not able to adequately explain why the charges put back on my card were in excess of {$20000.00} when the disputed charges were only {$12000.00}. They offered to submit an appeal which would take 30 to 60 days, This discussion took place around XX/XX/XXXX. Discover has left all the charges o my account ( currently at {$25000.00} ) and has not communicated with me at all about the repeal. Several calls I made to get an update were not returned, no one was available to speak with me at the times I called. \n\nThis situation has negatively impacted my credit score and my ability to refinance my mortgage. I submitted in writing another request to Discover about a week ago to update me about the appeal but they have not responded. \n\nDiscover said there is nothing they can do. They claim that XXXX  verified the charges. XXXX wrote me that the charges were fraud. \n\nI believe XXXX  is at fault for keeping my credit card information in their system without my permission and allowing it to be used for additional chargess that I did not authorize. \n\nI believe that XXXX  XXXX XXXX was the beneficiary of my money and they are in possession of stolen funds totallin {$12000.00}. I notified both XXXX and XXXX that the charges were not authorized and should be returned. XXXX  would not even respond to my many calls and letter. XXXX admitted in a letter to me that it was fraud and indicated that they notified XXXX. i demand XXXX return my {$12000.00} and XXXX return the associated transaction fees immediately or be prosecuted to the full extent of the law. \n\nThank you very much. \n\nXXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX","date_sent_to_company":"2021-03-12T14:56:08.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"10011","tags":null,"has_narrative":true,"complaint_id":"4171932","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-02-27T13:40:59.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The additional <em>charges</em> of {$5000.00} and {$5000.00} were absolutely not authorized by me and in no way reflect a billing error. They could not explain why this occurred after I had already been told the credits were permanent ( over 90 days after the <em>charges</em> were made ). 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