{"took":181,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4398,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15051081","_score":17.566092,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up regarding a late payment incorrectly reported on my credit report. The account in question is my XXXX  XXXX XXXX credit card, and the late payment occurred due to an error that has already been resolved by the bank. \nI disputed this with Equifax ( Confirmation # XXXX ), and the case shows as completed on XX/XX/year>, but the late payment is still appearing on my report. I disputed this with Equifax ( Confirmation # XXXX ), and the case shows as completed on XX/XX/year>, but the late payment is still appearing on my report. \nI respectfully request that this negative mark be removed from my credit report, as it was not my fault and the issue has already been corrected.","date_sent_to_company":"2025-08-01T06:29:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94545","tags":null,"has_narrative":true,"complaint_id":"15051081","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-01T06:16:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I am writing to follow up regarding a <em>late</em> payment incorrectly <em>reported</em> on my credit <em>report</em>. The <em>account</em> in question is my <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> credit card, and the <em>late</em> payment occurred due to an error that has <em>already</em> been resolved by the bank. \nI <em>disputed</em> this with Equifax ( Confirmation # <em>XXXX</em> ), and the case shows as completed on XX/XX/year>, but the <em>late</em> payment is <em>still</em> appearing on my <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[17.566092,"15051081"]},{"_index":"complaint-public-v1","_id":"15050467","_score":17.559927,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up regarding a late payment incorrectly reported on my credit report. The account in question is my XXXX  XXXX XXXX credit card, and the late payment occurred due to an error that has already been resolved by the bank. \nI disputed this with Equifax ( Confirmation # XXXX ), and the case shows as completed on XX/XX/year>, but the late payment is still appearing on my report. I disputed this with Equifax ( Confirmation # XXXX ), and the case shows as completed on XX/XX/year>, but the late payment is still appearing on my report. \nI respectfully request that this negative mark be removed from my credit report, as it was not my fault and the issue has already been corrected.","date_sent_to_company":"2025-08-01T06:29:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94545","tags":null,"has_narrative":true,"complaint_id":"15050467","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-01T06:29:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I am writing to follow up regarding a <em>late</em> payment incorrectly <em>reported</em> on my credit <em>report</em>. The <em>account</em> in question is my <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> credit card, and the <em>late</em> payment occurred due to an error that has <em>already</em> been resolved by the bank. \nI <em>disputed</em> this with Equifax ( Confirmation # <em>XXXX</em> ), and the case shows as completed on XX/XX/year>, but the <em>late</em> payment is <em>still</em> appearing on my <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[17.559927,"15050467"]},{"_index":"complaint-public-v1","_id":"5309582","_score":17.26745,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax has put a Collections on my account from XXXX XXXX XXXXwhich has already been disputed and deleted before. This is clearly a reinserted account. It has been deleted for months already. They also refuse to remove any of my inquiries from my file. This has been disputed many times with FTC reports. Im still unable to take out the late charge from XXXX XXXX when it was never late and was confirmed with XXXX XXXX directly over the phone with a rep from XXXX. The three reports should be matching.","date_sent_to_company":"2022-03-11T08:36:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33160","tags":null,"has_narrative":true,"complaint_id":"5309582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-11T03:26:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Equifax has put a Collections on my <em>account</em> from <em>XXXX</em> <em>XXXX</em> XXXXwhich has <em>already</em> been <em>disputed</em> and deleted before. This is clearly a reinserted <em>account</em>. It has been deleted for months <em>already</em>. They also refuse to remove any of my inquiries from my file. This has been <em>disputed</em> many times with FTC <em>reports</em>. Im <em>still</em> unable to take out the <em>late</em> charge from <em>XXXX</em> <em>XXXX</em> when it was never <em>late</em> and was confirmed with <em>XXXX</em> <em>XXXX</em> directly over the phone with a rep from <em>XXXX</em>."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[17.26745,"5309582"]},{"_index":"complaint-public-v1","_id":"4056385","_score":17.241714,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"American Express is reporting a late account status for XXXX 2015. After disputing the results with XXXX, XXXX, and XXXX, they responded that the data was reported accurately. I called American Express and they agreed that the report should not be reported late and provided a confirmation number XXXX. I re-opened the dispute with the credit companies and again they came back and reported that American Express was still reporting the XXXX account as late even though it has already been indicated by american express that it wouldnt be reported late. I filed a consumer complaint with the NC DOJ, who opened an investigation into the account with XXXX. As of today, XXXX  is still noting the account as late for the XX/XX/2015 note.","date_sent_to_company":"2021-01-08T15:00:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27614","tags":null,"has_narrative":true,"complaint_id":"4056385","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-01-08T14:52:05.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I re-opened the <em>dispute</em> with the credit companies and again they came back and <em>reported</em> that American Express was <em>still</em> <em>reporting</em> the <em>XXXX</em> <em>account</em> as <em>late</em> even though it has <em>already</em> been indicated by american express that it wouldnt be <em>reported</em> <em>late</em>. I filed a consumer complaint with the NC DOJ, who opened an investigation into the <em>account</em> with <em>XXXX</em>. As of today, <em>XXXX</em>  is <em>still</em> noting the <em>account</em> as <em>late</em> for the <em>XX/XX</em>/2015 note."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.241714,"4056385"]},{"_index":"complaint-public-v1","_id":"5980964","_score":17.020563,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my 7th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) there are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00XXXX XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX SERVICE XXXX Balance : {$3300.00} XXXX  XXXX XXXX XXXX Balance : {$0.00}","date_sent_to_company":"2022-09-15T00:58:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"5980964","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-15T00:58:52.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["How can you accrue <em>late</em> payments on an <em>account</em> that has <em>already</em> been closed? Its either the Credit Bureaus update the <em>disputed</em> <em>accounts</em> to positive or completely remove these <em>accounts</em> ; 3 ) there are charge off <em>accounts</em> that are <em>still</em> indicating balance or has been <em>reported</em> but is <em>already</em> out of statute."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.020563,"5980964"]},{"_index":"complaint-public-v1","_id":"5980963","_score":17.01646,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my XXXX CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) there are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$5100.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$3700.00} JXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$0.00}","date_sent_to_company":"2022-09-15T00:58:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"5980963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-15T00:58:52.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["How can you accrue <em>late</em> payments on an <em>account</em> that has <em>already</em> been closed? Its either the Credit Bureaus update the <em>disputed</em> <em>accounts</em> to positive or completely remove these <em>accounts</em> ; 3 ) there are charge off <em>accounts</em> that are <em>still</em> indicating balance or has been <em>reported</em> but is <em>already</em> out of statute."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.01646,"5980963"]},{"_index":"complaint-public-v1","_id":"5980994","_score":16.99717,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my 7th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) there are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXF XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}","date_sent_to_company":"2022-09-15T00:58:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63031","tags":null,"has_narrative":true,"complaint_id":"5980994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-15T00:51:37.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["How can you accrue <em>late</em> payments on an <em>account</em> that has <em>already</em> been closed? Its either the Credit Bureaus update the <em>disputed</em> <em>accounts</em> to positive or completely remove these <em>accounts</em> ; 3 ) there are charge off <em>accounts</em> that are <em>still</em> indicating balance or has been <em>reported</em> but is <em>already</em> out of statute."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.99717,"5980994"]},{"_index":"complaint-public-v1","_id":"5595558","_score":16.928425,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. \n\nXXXX  XXXX","date_sent_to_company":"2022-05-24T07:04:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90027","tags":null,"has_narrative":true,"complaint_id":"5595558","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-05-24T06:54:23.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> this <em>XXXX</em> and it has not been corrected. The <em>account</em> is <em>still</em> <em>reporting</em> wrong on my credit <em>report</em> but it is <em>already</em> closed. The <em>account</em> has been closed however, the <em>account</em> payment status is 30 days <em>late</em>. The <em>account</em> payment status CAN NOT be 30 days <em>late</em> on an <em>account</em> that has <em>already</em> been closed. The <em>account</em> status is wrong and should be closed. Now, I want you to correct this misinformation on my file. \n\n<em>XXXX</em>  <em>XXXX</em>"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.928425,"5595558"]},{"_index":"complaint-public-v1","_id":"5595557","_score":16.867222,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. \n\nXXXX XXXXXXXX","date_sent_to_company":"2022-05-24T07:03:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90027","tags":null,"has_narrative":true,"complaint_id":"5595557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-05-24T06:54:16.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> this <em>XXXX</em> and it has not been corrected. The <em>account</em> is <em>still</em> <em>reporting</em> wrong on my credit <em>report</em> but it is <em>already</em> closed. The <em>account</em> has been closed however, the <em>account</em> payment status is 30 days <em>late</em>. The <em>account</em> payment status CAN NOT be 30 days <em>late</em> on an <em>account</em> that has <em>already</em> been closed. The <em>account</em> status is wrong and should be closed. Now, I want you to correct this misinformation on my file. \n\n<em>XXXX</em> XXXXXXXX"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.867222,"5595557"]},{"_index":"complaint-public-v1","_id":"3461901","_score":16.860703,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX/XXXX is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and XXXX  says the account is verified. how can an account be verified but still reporting inaccurate information.","date_sent_to_company":"2019-12-08T19:25:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"3461901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-12-08T19:25:29.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em>/<em>XXXX</em> is a chargeoff <em>account</em> that as <em>already</em> been sold but is <em>still</em> <em>reporting</em> <em>late</em> payments along with <em>XXXX</em> <em>XXXX</em>. so that's a double <em>reporting</em> on one <em>account</em> which is a violation and after <em>disputing</em> this inaccurate information both comenity, and <em>XXXX</em>  says the <em>account</em> is verified. how can an <em>account</em> be verified but <em>still</em> <em>reporting</em> inaccurate information."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.860703,"3461901"]},{"_index":"complaint-public-v1","_id":"12637053","_score":16.823788,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had an account with XXXX XXXX  that became restricted and after closing the account was never told anything by mail or email of an outstanding balance that still needed to be paid and also I never used the card either. I called XXXX XXXX and they told me that I needed to talk to experian in order to fix the late payments on my account which was lowering my credit score and making me have a delinquent status. I disputed this all with experian and let them know I was never told of the outstanding balance and I have also already paid the balance off to XXXX XXXX. This dispute results still have the late payments on my credit report and are still hurting my credit. I am unhappy of the dispute results.","date_sent_to_company":"2025-03-26T00:42:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"39056","tags":null,"has_narrative":true,"complaint_id":"12637053","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-26T00:41:42.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>disputed</em> this all with experian and let them know I was never told of the outstanding balance and I have also <em>already</em> paid the balance off to <em>XXXX</em> <em>XXXX</em>. This <em>dispute</em> results <em>still</em> have the <em>late</em> payments on my credit <em>report</em> and are <em>still</em> hurting my credit. I am unhappy of the <em>dispute</em> results."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.823788,"12637053"]},{"_index":"complaint-public-v1","_id":"3461902","_score":16.819014,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"COMENITYCB/XXXX  is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and XXXX  says the account is verified. how can an account be verified but still reporting inaccurate information.","date_sent_to_company":"2019-12-08T19:25:20.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"3461902","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2019-12-08T19:07:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["COMENITYCB/<em>XXXX</em>  is a chargeoff <em>account</em> that as <em>already</em> been sold but is <em>still</em> <em>reporting</em> <em>late</em> payments along with <em>XXXX</em> <em>XXXX</em>. so that's a double <em>reporting</em> on one <em>account</em> which is a violation and after <em>disputing</em> this inaccurate information both comenity, and <em>XXXX</em>  says the <em>account</em> is verified. how can an <em>account</em> be verified but <em>still</em> <em>reporting</em> inaccurate information."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.819014,"3461902"]},{"_index":"complaint-public-v1","_id":"3461899","_score":16.819014,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX/XXXX is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and Experian says the account is verified. how can an account be verified but still reporting inaccurate information.","date_sent_to_company":"2019-12-08T19:25:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"3461899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-12-08T19:25:29.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em>/<em>XXXX</em> is a chargeoff <em>account</em> that as <em>already</em> been sold but is <em>still</em> <em>reporting</em> <em>late</em> payments along with <em>XXXX</em> <em>XXXX</em>. so that's a double <em>reporting</em> on one <em>account</em> which is a violation and after <em>disputing</em> this inaccurate information both comenity, and Experian says the <em>account</em> is verified. how can an <em>account</em> be verified but <em>still</em> <em>reporting</em> inaccurate information."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.819014,"3461899"]},{"_index":"complaint-public-v1","_id":"5992732","_score":16.765928,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my 9th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the ; disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) ther are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report XXXX balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to ; either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016","date_sent_to_company":"2022-09-19T04:00:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"5992732","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-19T04:00:20.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["How can you accrue <em>late</em> payments on an <em>account</em> that has <em>already</em> been closed? Its either the Credit Bureaus update the <em>disputed</em> <em>accounts</em> to positive or completely remove these <em>accounts</em> ; 3 ) there are charge off <em>accounts</em> that are <em>still</em> indicating balance or has been <em>reported</em> but is <em>already</em> out of statute."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.765928,"5992732"]},{"_index":"complaint-public-v1","_id":"8791234","_score":16.75748,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian Customer Service, Upon reviewing my account, I am disputing the late payment reported for XX/XX/XXXX. Experian has already found this dispute to be in my favor. As of the credit report dated XX/XX/XXXX, sent to me by Experian, XXXX XXXX reported an Exceptional payment history ( Open/Never Late ). I am perplexed as to why, despite this, there is a discrepancy with my current dispute for XXXX XXXX, and my account is still reported as late for XX/XX/XXXX. \n\nI have attached a copy of the Experian report indicating that my account was current as of XX/XX/XXXX. Additionally, I am disputing the late payment reported for XX/XX/XXXX, as you are still reporting this payment as late. I need Experian to update my account to reflect that it was paid within 30 days for both XX/XX/XXXX and XX/XX/XXXX. \n\nFurthermore, both XXXX and XXXX report my account as current and never late for XXXX XXXX. \n\nI have also attached my bank statement as proof that my account was paid within 30 days for the month of XXXX. \n\nIt is imperative that Experian rectifies these inaccuracies promptly to ensure the integrity of my credit report and prevent any further financial implications. \n\nI expect immediate action to resolve this dispute and appreciate your prompt attention to this matter. \n\nAccording to the Experian Report from XX/XX/XXXX, XXXX XXXX had reported my account as \" Paid Never Late ( Exceptional ). '' Now, with a new dispute opened regarding XXXX XXXX 's incorrect reporting for XX/XX/XXXX, my account is suddenly showing late payments. This discrepancy is alarming, especially considering that the issue for XX/XX/XXXX had already been resolved. I have submitted my bank statement and uploaded the XX/XX/XXXX report as evidence to support my case.","date_sent_to_company":"2024-04-17T16:09:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33844","tags":null,"has_narrative":true,"complaint_id":"8791234","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-17T16:09:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Dear Experian Customer Service, Upon reviewing my <em>account</em>, I am <em>disputing</em> the <em>late</em> payment <em>reported</em> for XX/XX/<em>XXXX</em>. Experian has <em>already</em> found this <em>dispute</em> to be in my favor. As of the credit <em>report</em> dated XX/XX/<em>XXXX</em>, sent to me by Experian, <em>XXXX</em> <em>XXXX</em> <em>reported</em> an Exceptional payment history ( Open/Never <em>Late</em> ). I am perplexed as to why, despite this, there is a discrepancy with my current <em>dispute</em> for <em>XXXX</em> <em>XXXX</em>, and my <em>account</em> is <em>still</em> <em>reported</em> as <em>late</em> for XX/XX/<em>XXXX</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.75748,"8791234"]},{"_index":"complaint-public-v1","_id":"2702343","_score":16.7501,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On my Equifax report there are 10 late payments from a XXXX XXXXXXXX XXXX account that is not mine..I have already disputed this account with XXXX XXXX by informing them that I did not open a credit card with them and am a victim of identity thief. They are still reporting late payments even with this knowledge.","date_sent_to_company":"2017-10-15T18:51:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"2702343","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-15T18:40:49.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On my Equifax <em>report</em> there are 10 <em>late</em> payments from a <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>account</em> that is not mine..I have <em>already</em> <em>disputed</em> this <em>account</em> with <em>XXXX</em> <em>XXXX</em> by informing them that I did not open a credit card with them and am a victim of identity thief. They are <em>still</em> <em>reporting</em> <em>late</em> payments even with this knowledge."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[16.7501,"2702343"]},{"_index":"complaint-public-v1","_id":"5993953","_score":16.747194,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my 9th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the ; disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) ther are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to ; either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016","date_sent_to_company":"2022-09-19T04:00:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"5993953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-19T03:53:30.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["How can you accrue <em>late</em> payments on an <em>account</em> that has <em>already</em> been closed? Its either the Credit Bureaus update the <em>disputed</em> <em>accounts</em> to positive or completely remove these <em>accounts</em> ; 3 ) there are charge off <em>accounts</em> that are <em>still</em> indicating balance or has been <em>reported</em> but is <em>already</em> out of statute."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.747194,"5993953"]},{"_index":"complaint-public-v1","_id":"5992729","_score":16.74605,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my 9th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the ; disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) ther are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report XXXX balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to ; either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXBalance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016","date_sent_to_company":"2022-09-19T04:00:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"5992729","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-19T04:00:20.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["How can you accrue <em>late</em> payments on an <em>account</em> that has <em>already</em> been closed? Its either the Credit Bureaus update the <em>disputed</em> <em>accounts</em> to positive or completely remove these <em>accounts</em> ; 3 ) there are charge off <em>accounts</em> that are <em>still</em> indicating balance or has been <em>reported</em> but is <em>already</em> out of statute."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.74605,"5992729"]},{"_index":"complaint-public-v1","_id":"8791253","_score":16.739088,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian Customer Service, Upon reviewing my account, I am disputing the late payment reported for XX/XX/XXXX. Experian has already found this dispute to be in my favor. As of the credit report dated XX/XX/XXXX, sent to me by Experian, XXXX XXXX reported an Exceptional payment history ( Open/Never Late ). I am perplexed as to why, despite this, there is a discrepancy with my current dispute for XXXX XXXX, and my account is still reported as late for XX/XX/XXXX. \n\nI have attached a copy of the Experian report indicating that my account was current as of XX/XX/XXXX. Additionally, I am disputing the late payment reported for XX/XX/XXXX, as you are still reporting this payment as late. I need Experian to update my account to reflect that it was paid within 30 days for both XX/XX/XXXX and XX/XX/XXXX. \n\nFurthermore, both XXXX and XXXX report my account as current and never late for XXXX XXXX. \n\nI have also attached my bank statement as proof that my account was paid within 30 days for the month of XXXX. \n\nIt is imperative that Experian rectifies these inaccuracies promptly to ensure the integrity of my credit report and prevent any further financial implications. \n\nI expect immediate action to resolve this dispute and appreciate your prompt attention to this matter. \n\nAccording to the Experian Report from XX/XX/XXXX, XXXX XXXX had reported my account as \" Paid Never Late ( Exceptional ). '' Now, with a new dispute opened regarding XXXX XXXX 's incorrect reporting for XX/XX/XXXX, my account is suddenly showing late payments. This discrepancy is alarming, especially considering that the issue for XX/XX/XXXX had already been resolved. I have submitted my bank statement and uploaded the XX/XX/XXXX report as evidence to support my case.","date_sent_to_company":"2024-04-17T16:09:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33844","tags":null,"has_narrative":true,"complaint_id":"8791253","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-17T16:03:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Dear Experian Customer Service, Upon reviewing my <em>account</em>, I am <em>disputing</em> the <em>late</em> payment <em>reported</em> for XX/XX/<em>XXXX</em>. Experian has <em>already</em> found this <em>dispute</em> to be in my favor. As of the credit <em>report</em> dated XX/XX/<em>XXXX</em>, sent to me by Experian, <em>XXXX</em> <em>XXXX</em> <em>reported</em> an Exceptional payment history ( Open/Never <em>Late</em> ). I am perplexed as to why, despite this, there is a discrepancy with my current <em>dispute</em> for <em>XXXX</em> <em>XXXX</em>, and my <em>account</em> is <em>still</em> <em>reported</em> as <em>late</em> for XX/XX/<em>XXXX</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.739088,"8791253"]},{"_index":"complaint-public-v1","_id":"8791235","_score":16.739088,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian Customer Service, Upon reviewing my account, I am disputing the late payment reported for XX/XX/XXXX. Experian has already found this dispute to be in my favor. As of the credit report dated XX/XX/XXXX, sent to me by Experian, XXXX XXXX reported an Exceptional payment history ( Open/Never Late ). I am perplexed as to why, despite this, there is a discrepancy with my current dispute for XXXX XXXX, and my account is still reported as late for XX/XX/XXXX. \n\nI have attached a copy of the Experian report indicating that my account was current as of XX/XX/XXXX. Additionally, I am disputing the late payment reported for XX/XX/XXXX, as you are still reporting this payment as late. I need Experian to update my account to reflect that it was paid within 30 days for both XX/XX/XXXX and XX/XX/XXXX. \n\nFurthermore, both XXXX and XXXX report my account as current and never late for XXXX XXXX. \n\nI have also attached my bank statement as proof that my account was paid within 30 days for the month of XXXX. \n\nIt is imperative that Experian rectifies these inaccuracies promptly to ensure the integrity of my credit report and prevent any further financial implications. \n\nI expect immediate action to resolve this dispute and appreciate your prompt attention to this matter. \n\nAccording to the Experian Report from XX/XX/XXXX, XXXX XXXX had reported my account as \" Paid Never Late ( Exceptional ). '' Now, with a new dispute opened regarding XXXX XXXX 's incorrect reporting for XX/XX/XXXX, my account is suddenly showing late payments. This discrepancy is alarming, especially considering that the issue for XX/XX/XXXX had already been resolved. I have submitted my bank statement and uploaded the XX/XX/XXXX report as evidence to support my case.","date_sent_to_company":"2024-04-17T16:09:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33844","tags":null,"has_narrative":true,"complaint_id":"8791235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-17T16:09:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Dear Experian Customer Service, Upon reviewing my <em>account</em>, I am <em>disputing</em> the <em>late</em> payment <em>reported</em> for XX/XX/<em>XXXX</em>. Experian has <em>already</em> found this <em>dispute</em> to be in my favor. As of the credit <em>report</em> dated XX/XX/<em>XXXX</em>, sent to me by Experian, <em>XXXX</em> <em>XXXX</em> <em>reported</em> an Exceptional payment history ( Open/Never <em>Late</em> ). I am perplexed as to why, despite this, there is a discrepancy with my current <em>dispute</em> for <em>XXXX</em> <em>XXXX</em>, and my <em>account</em> is <em>still</em> <em>reported</em> as <em>late</em> for XX/XX/<em>XXXX</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.739088,"8791235"]},{"_index":"complaint-public-v1","_id":"13083542","_score":16.597288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint because Equifax continues to report XXXX charged-off accounts that are past the XXXX limit allowed under the Fair Credit Reporting Act ( FCRA Section 605 ( c ) ). These accounts have already been removed from both Experian and TransUnion, but Equifax continues to report them with ongoing negative activity, even in XXXX. \n\nXXXX. XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Still showing late payments into XXXX Marked as Consumer disputes reinvestigation in progress XXXX. XXXX XXXX Services Opened : XX/XX/XXXX Closed : XX/XX/XXXX Marked as Paid charge-off Still reporting late payments in XXXX These accounts are older than 7 years from the original delinquency and should no longer appear on my credit file. I have already disputed both directly with Equifax and received no resolution. \n\nI am including screenshots of both accounts showing the incorrect reporting dates, and I will also attach proof that these accounts have already been removed from XXXX  and XXXX","date_sent_to_company":"2025-04-20T22:10:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60656","tags":null,"has_narrative":true,"complaint_id":"13083542","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-20T21:56:21.000Z","state":"IL","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> XXXXXXXX Opened : XX/XX/<em>XXXX</em> Closed : XX/XX/<em>XXXX</em> <em>Still</em> showing <em>late</em> payments into <em>XXXX</em> Marked as Consumer <em>disputes</em> reinvestigation in progress <em>XXXX</em>. <em>XXXX</em> <em>XXXX</em> Services Opened : XX/XX/<em>XXXX</em> Closed : XX/XX/<em>XXXX</em> Marked as Paid charge-off <em>Still</em> <em>reporting</em> <em>late</em> payments in <em>XXXX</em> These <em>accounts</em> are older than 7 years from the original delinquency and should no longer appear on my credit file. I have <em>already</em> <em>disputed</em> both directly with Equifax and received no resolution."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[16.597288,"13083542"]},{"_index":"complaint-public-v1","_id":"13348329","_score":16.569744,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint because Equifax continues to report two charged-off accounts that are past the 7-year limit allowed under the Fair Credit Reporting Act ( FCRA Section 605 ( c ) ). These accounts have already been removed from both XXXX XXXX  TransUnion, but Equifax continues to report them with ongoing negative activity, even in XXXX. 1. XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Still showing late payments into XXXX Marked as Consumer disputes reinvestigation in progress 2. XXXX XXXX Services Opened : XX/XX/XXXX Closed : XX/XX/XXXX Marked as Paid charge-off Still reporting late payments in XXXX These accounts are older than 7 years from the original delinquency and should no longer appear on my credit file. I have already disputed both directly with Equifax and received no resolution. I am including screenshots of both accounts showing the incorrect reporting dates, and I will also attach proof that these accounts have already been removed from XXXX XXXX XXXX","date_sent_to_company":"2025-05-05T17:41:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60656","tags":null,"has_narrative":true,"complaint_id":"13348329","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-05T17:36:01.000Z","state":"IL","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["<em>XXXX</em> XXXXXXXX <em>XXXX</em> Opened : XX/XX/<em>XXXX</em> Closed : XX/XX/<em>XXXX</em> <em>Still</em> showing <em>late</em> payments into <em>XXXX</em> Marked as Consumer <em>disputes</em> reinvestigation in progress 2. <em>XXXX</em> <em>XXXX</em> Services Opened : XX/XX/<em>XXXX</em> Closed : XX/XX/<em>XXXX</em> Marked as Paid charge-off <em>Still</em> <em>reporting</em> <em>late</em> payments in <em>XXXX</em> These <em>accounts</em> are older than 7 years from the original delinquency and should no longer appear on my credit file. I have <em>already</em> <em>disputed</em> both directly with Equifax and received no resolution."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[16.569744,"13348329"]},{"_index":"complaint-public-v1","_id":"12637147","_score":16.552942,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had an account with capital one that became restricted and after closing the account was never told anything by mail or email of an outstanding balance that still needed to be paid and also I never used the card either. I called Capital One and they told me that I needed to talk to experian in order to fix the late payments on my account which was lowering my credit score and making me have a delinquent status. I disputed this all with XXXX and let them know I was never told of the outstanding balance and I have also already paid the balance off to capital one. This dispute results still have the late payments on my credit report and are still hurting my credit. I am unhappy of the dispute results.","date_sent_to_company":"2025-03-26T00:42:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"39056","tags":null,"has_narrative":true,"complaint_id":"12637147","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-03-26T00:19:10.000Z","state":"MS","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>disputed</em> this all with <em>XXXX</em> and let them know I was never told of the outstanding balance and I have also <em>already</em> paid the balance off to capital one. This <em>dispute</em> results <em>still</em> have the <em>late</em> payments on my credit <em>report</em> and are <em>still</em> hurting my credit. I am unhappy of the <em>dispute</em> results."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.552942,"12637147"]},{"_index":"complaint-public-v1","_id":"12853866","_score":16.510178,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Opened a dispute on a loan with Affirm on the date of XX/XX/XXXX. I get a statement the following month on XX/XX/XXXX saying that the 'dispute has been won, loan XXXX '. Months later I've contacted them in XXXX asking why this loan is still on my account. They say that I am correct and that the dispute has been won and that they will take the loan off of my account in XXXX business days. I wait, and wait, and XXXX XXXX 's later I still notice that this loan is still on my account, I phone them up again. Affirm is still saying the exact same thing to me that I won the dispute, and that I will be XXXX of this loan in XXXX business days. I call them up again a couple of weeks later and I asked to speak with a supervisor. The supervisor was being helpful and said that the loan will officially be off my account at the end of the day I called. Days later.. loan is still on my account. I phone them up sometime in XXXX, and I get a difference response this time. The phone representative says that I have opened another dispute with Affirm ( same loan ).. I was confused when she said this because I only filed XXXX dispute which was in XXXX. She tells me that this is the same dispute that I filed in XXXX What do you mean? I already won my dispute why is there another XXXX open? She tells me I have to wait about a month for the dispute to go through. I'm confused as to why I have another open dispute when I already filed and won my dispute. Till this day, XX/XX/XXXX, I have XXXX to have this loan off of my account. It's been months and this is hurting my credit report. I have a security clearance and my agency is wondering why I have an unpaid loan open. I notify them that I have won this dispute with Affirm and that it will be taken off my account soon ( hopefully ). Affirm has done nothing but been repetitive about 'helping ' me resolve my resolution. They have done absolute nothing but tell me the same thing over the phone countless times. This loan has been on my credit report and has been HURTING my account for these past few months.","date_sent_to_company":"2025-04-08T02:20:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Installment loan","zip_code":"44095","tags":null,"has_narrative":true,"complaint_id":"12853866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-04-08T01:58:50.000Z","state":"OH","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Days <em>later</em>.. loan is <em>still</em> on my <em>account</em>. I phone them up sometime in <em>XXXX</em>, and I get a difference response this time. The phone representative says that I have opened another <em>dispute</em> with Affirm ( same loan ).. I was confused when she said this because I only filed <em>XXXX</em> <em>dispute</em> which was in <em>XXXX</em>. She tells me that this is the same <em>dispute</em> that I filed in <em>XXXX</em> What do you mean? I <em>already</em> won my <em>dispute</em> why is there another <em>XXXX</em> open?"],"sub_issue":["Difficulty submitting a <em>dispute</em> or getting information about a <em>dispute</em> over the phone"]},"sort":[16.510178,"12853866"]},{"_index":"complaint-public-v1","_id":"5442817","_score":16.456024,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are many issues in my Equifax report. I have a re-inserted collections account from CREDIT MANAGEMENT XXXX XXXX - XXXX  for {$120.00}. They took off this account and put it back on. I have 29 Inquiries from sources I do not recognize that Ive disputed multiple times. More times than I can count. FTC forms have been provided and still no response or resolution. Im unable to upload documents online with Equifax in order to facilitate these disputes. They resort to stall tactics, I have to provide full identification as Ive already been doing. I already provide my ID, social, and still nothing. I have record of how many times Ive disputed with no word from Equifax. I also have late payments re-inserted from XXXX XXXX from XX/XX/2021 and XX/XX/2021. They took off the late payments and they put them back on. The account for XXXX XXXX  has never been late and should display as such. XXXX XXXX has late payments that should not be showing either.My complaint closed in 3 days with no changes. Nothing was changed, even though items were reinserted.","date_sent_to_company":"2022-04-13T19:00:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33160","tags":null,"has_narrative":true,"complaint_id":"5442817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-13T18:31:18.000Z","state":"FL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["They resort to stall tactics, I have to provide full identification as Ive <em>already</em> been doing. I <em>already</em> provide my ID, social, and <em>still</em> nothing. I have record of how many times Ive <em>disputed</em> with no word from Equifax. I also have <em>late</em> payments re-inserted from <em>XXXX</em> <em>XXXX</em> from <em>XX/XX</em>/2021 and <em>XX/XX</em>/2021. They took off the <em>late</em> payments and they put them back on. The <em>account</em> for <em>XXXX</em> <em>XXXX</em>  has never been <em>late</em> and should display as such."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Difficulty submitting a <em>dispute</em> or getting information about a <em>dispute</em> over the phone"]},"sort":[16.456024,"5442817"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4398,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4398}]}},"product":{"doc_count":4398,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1917,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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