{"took":1137,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7074,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19531944","_score":17.764906,"_source":{"product":"Debt collection","complaint_what_happened":"DESCRIPTION OF THE ISSUE : XXXX XXXX XXXX placed a disputed service charge into collections without providing documentation validating the charge. \n\nOn XX/XX/year>, XXXX charged {$330.00} for a technician visit related to equipment connectivity issues after a router update. I was not informed of this charge in advance, did not authorize it, and signed no service authorization. The technician marked declined/refused. \n\nI immediately disputed the charge in writing and requested documentation including the governing contract provision, proof of advance disclosure, and signed authorization. XXXX failed to provide documentation. \n\nInstead, XXXX issued a partial credit and offered to split the balance, acknowledging dispute without validation. \n\nDespite the ongoing written dispute, XXXX referred the remaining balance ( {$190.00} ) to Virtuoso Sourcing Group for collection. \n\nAfter referral, I received telephone calls from an individual identifying himself as from XXXX, stating my security system was off, and then referencing the alleged balance. The account was cancelled and not off. \n\nI have formally disputed the debt with the collection agency pursuant to 15 U.S.C. 1692g ( b ) and demanded validation. I have instructed that all communications be in writing. \n\nThis complaint concerns : Referral of a disputed debt to collections without validation Failure to provide documentation upon request Potential deceptive communication in connection with collection Attempt to collect a charge not expressly authorized by agreement","date_sent_to_company":"2026-02-16T18:27:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"89084","tags":null,"has_narrative":true,"complaint_id":"19531944","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"VIRTUOSO SOURCING GROUP, LLC.","date_received":"2026-02-16T18:07:57.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["DESCRIPTION OF THE <em>ISSUE</em> : XXXX XXXX XXXX placed a <em>disputed</em> service <em>charge</em> into <em>collections</em> without providing documentation <em>validating</em> the <em>charge</em>. \n\nOn XX/XX/year>, XXXX charged {$330.00} for a technician visit related to equipment connectivity <em>issues</em> after a router update. I was not informed of this <em>charge</em> in advance, did not authorize it, and signed no service authorization. The technician marked declined/refused."],"product":["Debt <em>collection</em>"]},"sort":[17.764906,"19531944"]},{"_index":"complaint-public-v1","_id":"19072467","_score":16.575943,"_source":{"product":"Debt collection","complaint_what_happened":"Improper Collection of Disputed Apartment Charges I am filing this complaint against XXXX XXXX and the collection agency they hired to collect an alleged apartment debt Columbia Debt Recovery LLC dba Genesis. \n\nI vacated my apartment on XX/XX/year>. The management company assessed excessive and disputed move-out charges, which I formally contested in writing. While the dispute was still active, XXXX XXXX referred the account to a collection agency. \n\nThis referral occurred despite : Written disputes being submitted Habitability issues ( water intrusion and mold ) reported during tenancy Inconsistent move-out dates being used to justify charges Late-night calls from staff that were previously reported Ongoing communication regarding the validity of the charges The collection agency contacted me by phone without providing written validation. I am now formally disputing the debt and requesting validation under federal law. \n\nI am requesting that the CFPB investigate this improper collection activity, require validation, and ensure this account is not reported to credit bureaus while disputed. \n\nThis debt is not valid, is actively disputed, and should not be collected. \n\nXXXX XXXX","date_sent_to_company":"2026-01-28T17:06:53.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"30152","tags":null,"has_narrative":true,"complaint_id":"19072467","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":"2026-01-28T16:31:17.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This referral occurred despite : Written <em>disputes</em> being submitted Habitability <em>issues</em> ( water intrusion and mold ) reported during tenancy Inconsistent move-out dates being used to justify <em>charges</em> Late-night calls from staff that were previously reported Ongoing communication regarding the validity of the <em>charges</em> The <em>collection</em> agency contacted me by phone without providing written <em>validation</em>. I am now formally <em>disputing</em> the debt and requesting <em>validation</em> under federal law."],"product":["Debt <em>collection</em>"]},"sort":[16.575943,"19072467"]},{"_index":"complaint-public-v1","_id":"15093130","_score":16.157333,"_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 under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report currently contains multiple inaccuracies, unverifiable debts, and unauthorized inquiries that are severely affecting my financial life and peace of mind. Despite repeated disputes, these errors remain unresolved, and I am now escalating this matter for your urgent attention. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Inaccurate address possibly conflating my credit history with anothers. Law : FCRA Section 609 ( c ) ( 2 ) protects consumers from misleading information. Story : This listing endangers my credit integrity by linking unrelated financial behavior, risking improper negative consequences and fraudulent attribution. Immediate removal is necessary. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Additional incorrect address listed on my report. Law : FCRA Section 623 ( a ) ( 2 ) obligates furnishers to ensure data accuracy. Story : Continued reporting of erroneous residence information fosters identity confusion and damages my credit reputation, requiring prompt action to remove inaccurate data. \n\nXXXX XXXX XXXX Issue : Disputed charge off with a balance of {$310.00} dating from XX/XX/XXXX. Law : FDCPA Sections 809 and 804 require debt validation ; FCRA Section 611 mandates dispute resolution. Story : This charge off is unsubstantiated and inconsistent with my records, severely impacting my credit score and financial standing. I request immediate verification or deletion to prevent unlawful hardship. \n\nXXXX XXXX XXXXXXXX XXXX Issue : Unverified charge off of {$2100.00} from XX/XX/XXXX. Law : FDCPA Section 809 and FCRA Section 607 ( b ) protect against inaccurate reporting. Story : No documentation or dispute process was afforded regarding this charge off, violating consumer rights and damaging credit unlawfully. Removal is required unless validated. \n\nXXXX XXXX Issue : Disputed charge off of {$350.00} dated XX/XX/XXXX. Law : FCRA Sections 607 and 611, FDCPA validation rules. Story : This charge off was reported without my authorization or adequate validation, constituting an unlawful negative entry. Corrective action is necessary. \n\nXXXX XXXX XXXX XXXXXXXX Issue : Disputed late payment of {$720.00} from XX/XX/XXXX without validation. Law : FCRA requires accurate, verified reporting. Story : This erroneous late payment compromises my credit profile and must be expunged. \n\nXXXX XXXX XXXXXXXX Issue : {$400.00} charge off from XX/XX/XXXX unverified and outdated. Law : FCRA Section 605 requires removal of unverifiable adverse information. Story : Retaining unverifiable derogatory entries unjustly lowers my credit score and violates federal law. \n\nXXXX XXXXXXXX XXXX XXXX XXXX  Issue : Multiple late payments with inconsistent balances and dates reported without proper disclosure. Law : FCRA sections on dispute validation and accurate reporting. Story : These numerous inaccuracies cumulatively degrade my creditworthiness, constituting a violation warranting thorough re-investigation and removal of incorrect data. \n\nXXXX XXXXXXXX Issue : {$17000.00} charge off opened XX/XX/XXXX without proper notice or validation. Law : FCRA Section 609 protects consumers rights to debt verification. Story : Large unverified charge offs severely degrade credit standing and must be validated or expunged. \n\nXXXX XXXX XXXX XXXX XXXX Issue : Multiple charge offs lacking proper validation. Law : FDCPA and FCRA requirements for accurate reporting. Story : These invalid charge offs further damage my credit and require verification or removal. \n\nXXXX XXXX XXXX and associated collections Issue : Multiple collections with inconsistent details lacking validation. Law : FDCPA debt validation and reporting guidelines. Story : Persistent reporting without debt proof violates consumer protection laws and unjustly impairs my credit health. \n\nSPRINGOAKS and related collections Issue : Unverified collections reported without compliance to validation mandates. Law : FDCPA. Story : Such reporting practices jeopardize my credit reliability and require correction. \n\nXXXX XXXX XXXXXXXX Issue : Collection of {$130.00} disputed for lacking validation notice. Law : FDCPA debt verification rules. Story : This unsubstantiated collection adversely affects my credit and must be investigated and removed if unverifiable. \n\nXXXX inquiry dated XX/XX/XXXX Issue : Unauthorized credit inquiry without my consent. Law : FCRA Section 604 restricts permissible inquiries. Story : Unauthorized inquiries degrade credit scores and violate privacy protections, necessitating immediate removal.\n\nIn sum, these numerous incorrect address records, disputed charge offs and late payments, unauthorized collections, and illicit credit inquiries represent significant violations of my consumer rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and applicable state laws. These inaccuracies inflict ongoing, substantial damage to my creditworthiness and financial reputation.\n\nFinal Note : These errors have caused me repeated emotional distress, financial loss, and embarrassment. Despite contacting the furnishers and credit bureaus, no resolution has occurred. I respectfully request CFPB 's intervention to : 1. Fully investigate all inaccurate accounts, addresses, and inquiries.\n\n2. Compel the furnishers to provide documented proof or delete the items.\n\n3. Ensure all entities comply with the FCRA and FDCPA.\n\n4. Provide a written resolution within the legal timeframe. \nThank you for your time and support in helping protect my consumer rights.","date_sent_to_company":"2025-08-05T20:46:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77016","tags":null,"has_narrative":true,"complaint_id":"15093130","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-05T20:44:22.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Story : Large unverified <em>charge</em> offs severely degrade credit standing and must be <em>validated</em> or expunged. \n\nXXXX XXXX XXXX XXXX XXXX <em>Issue</em> : Multiple <em>charge</em> offs lacking proper <em>validation</em>. Law : FDCPA and FCRA requirements for accurate reporting. Story : These invalid <em>charge</em> offs further damage my credit and require verification or removal. \n\nXXXX XXXX XXXX and associated <em>collections</em> <em>Issue</em> : Multiple <em>collections</em> with inconsistent details lacking <em>validation</em>."]},"sort":[16.157333,"15093130"]},{"_index":"complaint-public-v1","_id":"21746714","_score":16.02329,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a XXXX account that was sent to collections while an active billing dispute remained unresolved. \n\nMy account accumulated charges totaling approximately {$800.00}, including repeated $ 100 monthly data overage fees and returned payment fees. I made multiple good-faith attempts to resolve the account, including submitting payments and contacting XXXX through customer service and Executive Relations. \n\nI filed an FCC complaint ( File # XXXX ) after XXXX failed to address my concerns. Comcasts response did not address the disputed charges and instead provided a generic billing summary without validating the accuracy of the fees or resolving the issue. \n\nI specifically requested a full itemized breakdown of charges, clarification of data overage fees, and written communication regarding resolution. XXXX did not provide a meaningful response and continued to send duplicate, non-substantive communications. \n\nDespite this ongoing dispute and lack of resolution, XXXX disconnected my service and subsequently sent the account to collections. \n\nI have documentation of the billed amount, but XXXX has failed to validate the charges or resolve the dispute prior to collections activity. The existence of a bill does not confirm the accuracy or legitimacy of the debt. \n\nI am requesting : Full validation and itemization of all charges Removal of the account from collections while the dispute is under review Correction or deletion of any inaccurate credit reporting A written resolution addressing the disputed charges in good faith This account was escalated to collections without proper resolution, and I believe this reflects improper handling of a disputed debt.","date_sent_to_company":"2026-04-30T13:49:08.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"32207","tags":null,"has_narrative":true,"complaint_id":"21746714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNRISE CREDIT SERVICES, INC","date_received":"2026-04-30T13:12:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am requesting : Full <em>validation</em> and itemization of all <em>charges</em> Removal of the account from <em>collections</em> while the <em>dispute</em> is under review Correction or deletion of any inaccurate credit reporting A written resolution addressing the <em>disputed</em> <em>charges</em> in good faith This account was escalated to <em>collections</em> without proper resolution, and I believe this reflects improper handling of a <em>disputed</em> debt."],"product":["Debt <em>collection</em>"]},"sort":[16.02329,"21746714"]},{"_index":"complaint-public-v1","_id":"17690922","_score":15.809924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate, unverifiable, and improperly reported information on my credit file. Several accounts, collections, and hard inquiries are being reported without proper validation, without permissible purpose, or with incorrect dates and balances. \nDespite the FCRA requirements for accuracy and accountability, the following issues are present on my Consumer report : Unverified collection accounts A charge-off being re-aged Unauthorized or shotgun auto inquiries Medical collection reported without proper validation Reporting errors and inconsistent dates These issues are violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681i, 1681e ( b ), 1681b, and 1681s-2. \nI have disputed this information, but the bureau has failed to properly reinvestigate or validate the disputed items.","date_sent_to_company":"2025-12-03T21:50:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30815","tags":null,"has_narrative":true,"complaint_id":"17690922","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-03T21:16:44.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> this information, but the bureau has failed to properly reinvestigate or <em>validate</em> the <em>disputed</em> items."]},"sort":[15.809924,"17690922"]},{"_index":"complaint-public-v1","_id":"17940752","_score":15.807988,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate, unverifiable, and improperly reported information on my credit file. Several accounts, collections, and hard inquiries are being reported without proper validation, without permissible purpose, or with incorrect dates and balances. \nDespite the FCRA requirements for accuracy and accountability, the following issues are present on my Consumer report : Unverified collection accounts A charge-off being re-aged Unauthorized or shotgun auto inquiries Medical collection reported without proper validation Reporting errors and inconsistent dates These issues are violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681i, 1681e ( b ), 1681b, and 1681s-2. \nI have disputed this information, but the bureau has failed to properly reinvestigate or validate the disputed items.","date_sent_to_company":"2025-12-03T21:50:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30815","tags":null,"has_narrative":true,"complaint_id":"17940752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Management Holdings, LLC","date_received":"2025-12-03T21:50:09.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> this information, but the bureau has failed to properly reinvestigate or <em>validate</em> the <em>disputed</em> items."],"company":["<em>Collection</em> Management Holdings, LLC"]},"sort":[15.807988,"17940752"]},{"_index":"complaint-public-v1","_id":"17670582","_score":15.807988,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate, unverifiable, and improperly reported information on my credit file. Several accounts, collections, and hard inquiries are being reported without proper validation, without permissible purpose, or with incorrect dates and balances. \nDespite the FCRA requirements for accuracy and accountability, the following issues are present on my Equifax report : Unverified collection accounts A charge-off being re-aged Unauthorized or shotgun auto inquiries Medical collection reported without proper validation Reporting errors and inconsistent dates These issues are violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681i, 1681e ( b ), 1681b, and 1681s-2. \nI have disputed this information, but the bureau has failed to properly reinvestigate or validate the disputed items.","date_sent_to_company":"2025-12-03T22:14:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30815","tags":null,"has_narrative":true,"complaint_id":"17670582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-03T22:14:30.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> this information, but the bureau has failed to properly reinvestigate or <em>validate</em> the <em>disputed</em> items."]},"sort":[15.807988,"17670582"]},{"_index":"complaint-public-v1","_id":"13895513","_score":15.806307,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Team, I am filing this complaint to bring to your attention numerous inaccuracies and violations on my credit report related to the accounts listed below. These issues violate my rights under federal laws such as the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request a thorough investigation and immediate correction or removal of all inaccurate or unverified information. \nXXXX. Incorrect Addresses Reported XXXX XXXX XXXX, XXXX, TN XXXX Issue : Wrong address reported this address does not belong to me and violates FCRA 609 ( a ) ( 1 ) ( A ). \nXXXX XXXX XXXX, XXXX, TN XXXX Issue : Wrong address reported inaccurate personal information on credit file. \nXXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Issue : Incorrect address reported causing confusion and inaccuracies. \nXXXX. Accounts with Incorrect Late Payments XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$180000.00} ) Issue : Inaccurate late payment history reported, violating FCRA 607 ( b ), 611 ( a ) and FDCPA 808. \nXXXX XXXX XXXX  XXXX ( Opened XX/XX/XXXX, High Balance : {$560.00} ) Issue : Late payments reported without proper validation. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$280.00} ) Issue : Disputed late payment entries on credit report. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$18000.00} ) Issue : Incorrectly reported late payments. \nXXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, High Balance : {$720.00} ) Issue : Invalid late payment records. \nXXXX XXXX ( Opened XX/XX/XXXX, XXXX XXXX : {$8200.00} ) Issue : Late payment reporting not properly validated. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$20000.00} ) Issue : Late payments inaccurately recorded. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$18000.00} ) Issue : Incorrect late payment history. \nXXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX XXXX : {$1200.00} ) Issue : Late payments reported with no proper validation. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, XXXX XXXX : {$970.00} ) Issue : Disputed late payment records. \nXXXX. Charge-Off Accounts with Discrepancies and Duplicates XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1200.00} ) Issue : Charge-off reported inaccurately ; possible duplication on credit report. \nXXXX  XXXX XXXX Opened XX/XX/XXXX, Balance : {$1000.00} ) Issue : Duplicate charge-offs and inconsistent balance reporting. \nXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Issue : Duplicate charge-off entry. \nXXXX, XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Duplicate charge-off, incorrect balance. \nXXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance : {$1000.00} ) Issue : Charge-off balance disputed. \nXXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1000.00} ) Issue : Duplicate and inaccurate charge-off entry. \nXXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance : {$4000.00} ) Issue : Charge-off reported without proper validation. \nXXXX. Collection Accounts with Validation Issues XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$460.00} ) Issue : Collection account reported without proper debt validation as required by FDCPA 809. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$650.00} ) Issue : Unverified collection entry. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$2400.00} ) Issue : XXXX balance disputed. \nXXXX XXXX ( Opened XX/XX/XXXX, Balance : {$7500.00} ) Issue : Collection account inaccurately reported. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1600.00} ) Issue : Collection entry not validated. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Incomplete collection reporting. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Unverified collection entry. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$780.00} ) Issue : XXXX balance inaccurate. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$610.00} ) Issue : XXXX reported with incorrect balance. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$440.00} ) Issue : Collection entry disputed for accuracy. \nLegal Grounds for My Complaint : Fair Credit Reporting Act ( FCRA ) : Requires maximum possible accuracy, timely dispute investigation, and prohibits reporting outdated or inaccurate information. \nFair Debt Collection Practices Act ( FDCPA ) : Requires validation of debts upon consumer request and prohibits deceptive or unfair debt collection practices. \nConsumer Credit Reporting Reform Act : Protects against duplicate and misleading credit entries. \nI hereby demand a full investigation of these disputed items. If any information can not be verified or validated, I request immediate deletion or correction as required by law. \nPlease confirm receipt of this complaint and keep me informed of your findings and actions to resolve these matters promptly. \nThank you for your assistance.","date_sent_to_company":"2025-06-04T12:51:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38002","tags":null,"has_narrative":true,"complaint_id":"13895513","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-04T12:43:33.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Collection</em> Accounts with <em>Validation</em> <em>Issues</em> XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$460.00} ) <em>Issue</em> : <em>Collection</em> account reported without proper debt <em>validation</em> as required by FDCPA 809. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$650.00} ) <em>Issue</em> : Unverified <em>collection</em> entry. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$2400.00} ) <em>Issue</em> : XXXX balance <em>disputed</em>."]},"sort":[15.806307,"13895513"]},{"_index":"complaint-public-v1","_id":"13901057","_score":15.805506,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Team, I am filing this complaint to bring to your attention numerous inaccuracies and violations on my credit report related to the accounts listed below. These issues violate my rights under federal laws such as the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request a thorough investigation and immediate correction or removal of all inaccurate or unverified information. \nXXXX. Incorrect Addresses Reported XXXX XXXX XXXX, XXXX, TN XXXX Issue : Wrong address reported this address does not belong to me and violates FCRA 609 ( a ) ( 1 ) ( A ). \nXXXX XXXX XXXX, XXXX, TN XXXX Issue : Wrong address reported inaccurate personal information on credit file. \nXXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Issue : Incorrect address reported causing confusion and inaccuracies. \nXXXX. Accounts with Incorrect Late Payments XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$180000.00} ) Issue : Inaccurate late payment history reported, violating FCRA 607 ( b ), 611 ( a ) and FDCPA 808. \nXXXX XXXX XXXX  XXXX ( Opened XX/XX/XXXX, High Balance : {$560.00} ) Issue : Late payments reported without proper validation. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$280.00} ) Issue : Disputed late payment entries on credit report. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$18000.00} ) Issue : Incorrectly reported late payments. \nXXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, High Balance : {$720.00} ) Issue : Invalid late payment records. \nXXXX XXXX ( Opened XX/XX/XXXX, XXXX XXXX : {$8200.00} ) Issue : Late payment reporting not properly validated. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$20000.00} ) Issue : Late payments inaccurately recorded. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$18000.00} ) Issue : Incorrect late payment history. \nXXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX XXXX : {$1200.00} ) Issue : Late payments reported with no proper validation. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, XXXX XXXX : {$970.00} ) Issue : Disputed late payment records. \nXXXX. Charge-Off Accounts with Discrepancies and Duplicates XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1200.00} ) Issue : Charge-off reported inaccurately ; possible duplication on credit report. \nXXXX  XXXX XXXX Opened XX/XX/XXXX, Balance : {$1000.00} ) Issue : Duplicate charge-offs and inconsistent balance reporting. \nXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Issue : Duplicate charge-off entry. \nXXXX, XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Duplicate charge-off, incorrect balance. \nXXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance : {$1000.00} ) Issue : Charge-off balance disputed. \nXXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1000.00} ) Issue : Duplicate and inaccurate charge-off entry. \nXXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance : {$4000.00} ) Issue : Charge-off reported without proper validation. \nXXXX. Collection Accounts with Validation Issues XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$460.00} ) Issue : Collection account reported without proper debt validation as required by FDCPA 809. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$650.00} ) Issue : Unverified collection entry. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$2400.00} ) Issue : XXXX balance disputed. \nXXXX XXXX ( Opened XX/XX/XXXX, Balance : {$7500.00} ) Issue : Collection account inaccurately reported. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1600.00} ) Issue : Collection entry not validated. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Incomplete collection reporting. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Unverified collection entry. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$780.00} ) Issue : XXXX balance inaccurate. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$610.00} ) Issue : XXXX reported with incorrect balance. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$440.00} ) Issue : Collection entry disputed for accuracy. \nLegal Grounds for My Complaint : Fair Credit Reporting Act ( FCRA ) : Requires maximum possible accuracy, timely dispute investigation, and prohibits reporting outdated or inaccurate information. \nFair Debt Collection Practices Act ( FDCPA ) : Requires validation of debts upon consumer request and prohibits deceptive or unfair debt collection practices. \nConsumer Credit Reporting Reform Act : Protects against duplicate and misleading credit entries. \nI hereby demand a full investigation of these disputed items. If any information can not be verified or validated, I request immediate deletion or correction as required by law. \nPlease confirm receipt of this complaint and keep me informed of your findings and actions to resolve these matters promptly. \nThank you for your assistance.","date_sent_to_company":"2025-06-04T12:51:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38002","tags":null,"has_narrative":true,"complaint_id":"13901057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-04T12:50:38.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Collection</em> Accounts with <em>Validation</em> <em>Issues</em> XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$460.00} ) <em>Issue</em> : <em>Collection</em> account reported without proper debt <em>validation</em> as required by FDCPA 809. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$650.00} ) <em>Issue</em> : Unverified <em>collection</em> entry. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$2400.00} ) <em>Issue</em> : XXXX balance <em>disputed</em>."]},"sort":[15.805506,"13901057"]},{"_index":"complaint-public-v1","_id":"13901056","_score":15.802091,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Team, I am filing this complaint to bring to your attention numerous inaccuracies and violations on my credit report related to the accounts listed below. These issues violate my rights under federal laws such as the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request a thorough investigation and immediate correction or removal of all inaccurate or unverified information. \nXXXX. Incorrect Addresses Reported XXXX XXXX XXXX, XXXX, TN XXXX Issue : Wrong address reported this address does not belong to me and violates FCRA 609 ( a ) ( 1 ) ( A ). \nXXXX XXXX XXXX, XXXX, TN XXXX Issue : Wrong address reported inaccurate personal information on credit file. \nXXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Issue : Incorrect address reported causing confusion and inaccuracies. \nXXXX. Accounts with Incorrect Late Payments XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$180000.00} ) Issue : Inaccurate late payment history reported, violating FCRA 607 ( b ), 611 ( a ) and FDCPA 808. \nXXXX XXXX XXXX  XXXX ( Opened XX/XX/XXXX, High Balance : {$560.00} ) Issue : Late payments reported without proper validation. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$280.00} ) Issue : Disputed late payment entries on credit report. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$18000.00} ) Issue : Incorrectly reported late payments. \nXXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, High Balance : {$720.00} ) Issue : Invalid late payment records. \nXXXX XXXX ( Opened XX/XX/XXXX, XXXX XXXX : {$8200.00} ) Issue : Late payment reporting not properly validated. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$20000.00} ) Issue : Late payments inaccurately recorded. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$18000.00} ) Issue : Incorrect late payment history. \nXXXX XXXX XXXX XXXX Opened XX/XX/XXXX, XXXX XXXX : {$1200.00} ) Issue : Late payments reported with no proper validation. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, XXXX XXXX : {$970.00} ) Issue : Disputed late payment records. \nXXXX. Charge-Off Accounts with Discrepancies and Duplicates XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1200.00} ) Issue : Charge-off reported inaccurately ; possible duplication on credit report. \nXXXX  XXXX XXXX Opened XX/XX/XXXX, Balance : {$1000.00} ) Issue : Duplicate charge-offs and inconsistent balance reporting. \nXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Issue : Duplicate charge-off entry. \nXXXX, XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Duplicate charge-off, incorrect balance. \nXXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance : {$1000.00} ) Issue : Charge-off balance disputed. \nXXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1000.00} ) Issue : Duplicate and inaccurate charge-off entry. \nXXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, Balance : {$4000.00} ) Issue : Charge-off reported without proper validation. \nXXXX. Collection Accounts with Validation Issues XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$460.00} ) Issue : Collection account reported without proper debt validation as required by FDCPA 809. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$650.00} ) Issue : Unverified collection entry. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$2400.00} ) Issue : XXXX balance disputed. \nXXXX XXXX ( Opened XX/XX/XXXX, Balance : {$7500.00} ) Issue : Collection account inaccurately reported. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$1600.00} ) Issue : Collection entry not validated. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Incomplete collection reporting. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Issue : Unverified collection entry. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$780.00} ) Issue : XXXX balance inaccurate. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$610.00} ) Issue : XXXX reported with incorrect balance. \nXXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$440.00} ) Issue : Collection entry disputed for accuracy. \nLegal Grounds for My Complaint : Fair Credit Reporting Act ( FCRA ) : Requires maximum possible accuracy, timely dispute investigation, and prohibits reporting outdated or inaccurate information. \nFair Debt Collection Practices Act ( FDCPA ) : Requires validation of debts upon consumer request and prohibits deceptive or unfair debt collection practices. \nConsumer Credit Reporting Reform Act : Protects against duplicate and misleading credit entries. \nI hereby demand a full investigation of these disputed items. If any information can not be verified or validated, I request immediate deletion or correction as required by law. \nPlease confirm receipt of this complaint and keep me informed of your findings and actions to resolve these matters promptly. \nThank you for your assistance.","date_sent_to_company":"2025-06-04T12:51:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38002","tags":null,"has_narrative":true,"complaint_id":"13901056","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-04T12:50:38.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Collection</em> Accounts with <em>Validation</em> <em>Issues</em> XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$460.00} ) <em>Issue</em> : <em>Collection</em> account reported without proper debt <em>validation</em> as required by FDCPA 809. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$650.00} ) <em>Issue</em> : Unverified <em>collection</em> entry. \nXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$2400.00} ) <em>Issue</em> : XXXX balance <em>disputed</em>."]},"sort":[15.802091,"13901056"]},{"_index":"complaint-public-v1","_id":"17669581","_score":15.79267,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate, unverifiable, and improperly reported information on my credit file. Several accounts, collections, and hard inquiries are being reported without proper validation, without permissible purpose, or with incorrect dates and balances. \nDespite the FCRA requirements for accuracy and accountability, the following issues are present on my Equifax report : Unverified collection accounts A charge-off being re-aged Unauthorized or shotgun auto inquiries Medical collection reported without proper validation Reporting errors and inconsistent dates These issues are violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681i, 1681e ( b ), 1681b, and 1681s-2. \nI have disputed this information, but the bureau has failed to properly reinvestigate or validate the disputed items.","date_sent_to_company":"2025-12-03T22:14:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30815","tags":null,"has_narrative":true,"complaint_id":"17669581","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-03T22:02:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> this information, but the bureau has failed to properly reinvestigate or <em>validate</em> the <em>disputed</em> items."]},"sort":[15.79267,"17669581"]},{"_index":"complaint-public-v1","_id":"18220345","_score":15.7925,"_source":{"product":"Debt collection","complaint_what_happened":"Issue : National Credit Systems reported a collection account to Experian while the debt was under dispute and without providing validation. \n\nComplaint : I am filing a complaint against National Credit Systems ( NCS ) regarding an alleged {$310.00} debt originally from XXXX XXXX. I disputed the alleged debt with NCS in writing and requested validation under the Fair Debt Collection Practices Act ( FDCPA 15 USC 1692g ). Additionally, I disputed the debt directly with XXXX XXXX prior to this alleged debt being turned over to NCS and received no response. \n\nDespite my written dispute, NCS did not provide any validation or documentation of the charges. Instead, on XX/XX/year>, they reported the collection account to XXXX  as a major derogatory entry. Reporting the debt to a credit bureau is considered continued collection activity, and under FDCPA, collection activity must cease until validation is provided. \n\nI believe NCS violated the FDCPA by : A. failing to validate the debt upon written request B. continuing collection activity by reporting to XXXX  during the dispute C. damaging my credit without proving the debt is valid I am requesting : 1. Removal of the derogatory account from my credit reports until full validation is provided 2. Validation documentation including itemized charges and evidence of the claims made against me by XXXX XXXX as requested by me initially I have never received. \n\n3. Regulatory review of NCSs actions I attempted to resolve this directly with NCS, but they have not responded to my validation request.","date_sent_to_company":"2025-12-22T16:23:38.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"45039","tags":null,"has_narrative":true,"complaint_id":"18220345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-12-22T15:29:27.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Issue</em> : National Credit Systems reported a <em>collection</em> account to Experian while the debt was under <em>dispute</em> and without providing <em>validation</em>. \n\nComplaint : I am filing a complaint against National Credit Systems ( NCS ) regarding an alleged {$310.00} debt originally from XXXX XXXX. I <em>disputed</em> the alleged debt with NCS in writing and requested <em>validation</em> under the Fair Debt <em>Collection</em> Practices Act ( FDCPA 15 USC 1692g )."],"product":["Debt <em>collection</em>"]},"sort":[15.7925,"18220345"]},{"_index":"complaint-public-v1","_id":"14970833","_score":15.772449,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern I am filing this formal complaint under the protections of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. My rights as a consumer have been violated by multiple furnishers and credit bureaus due to inaccurate, outdated, and unverifiable information reporting on my credit report. I am requesting immediate investigation and removal of the following items due to legal violations, identity errors, outdated data, and failure to verify. Each item is listed below with details and applicable law violations XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Reported Law : Under FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate personal information including addresses. Reporting incorrect addresses can negatively impact my credit and mislead lenders.\n\nStory : This address is not my current or previous residence. Reporting a wrong address suggests that my credit information is being mixed with another person 's file, a clear violation of the FCRAs requirement for maximum possible accuracy ( Section 611 ). This false address creates confusion and potential harm to my creditworthiness. I demand immediate removal of this incorrect address to prevent further damage to my credit profile. \nXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Wrong Address Reported Law : FCRA Section 607 ( b ) mandates that consumer reporting agencies maintain procedures to assure maximum possible accuracy of the information.\n\nStory : This address has never been associated with me. Its presence on my credit report indicates inaccurate and negligent reporting. Inaccurate addresses can cause lenders to question the validity of my identity and credit file, which harms my ability to access credit. I request an immediate update to correct this error and all related files. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} Issue : Late Payments Law : The FCRA and Regulation V require furnishers to report accurate payment histories and correct errors upon dispute.\n\nStory : The reported late payments are inaccurate and do not reflect my actual payment behavior. These false late payments unfairly damage my credit. I insist on their removal unless validated with supporting documentation. \nXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} Issue : Charge Off Law : FCRA Section 623 ( b ) requires accurate reporting of derogatory accounts.\n\nStory : This charge off is reported without proper validation or notification. I dispute this information as incomplete and inaccurate. Immediate removal or correction is demanded. \nXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$490.00} Issue : Collection Law : FDCPA Section 809 requires debt validation upon dispute.\n\nStory : This collection was reported without providing required validation notices. I have disputed this debt multiple times without proper response. I demand removal until proper validation is provided. \nXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Collection Law : FCRA Section 611 requires removal of unverifiable information after dispute.\n\nStory : This collection account has not been verified despite my dispute. Reporting unverifiable information violates my rights and must be corrected immediately. \nXXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$580.00} Issue : Collection Law : FCRA Section 623 and FDCPA require accurate reporting and validation.\n\nStory : This collection account duplicates charge off entries and is inconsistently reported. Such duplicate and inaccurate reporting inflates my liabili ties unfairly. I request removal of duplicate and unverifiable entries. \nXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} Issue : Collection Law : FCRA Section 611 guarantees correction of disputed inaccurate data.\n\nStory : This collection is outdated, inaccurate, and unverified. I dispute its validity and request deletion. \nXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Issue : Collection Law : FDCPA mandates debt validation and prohibits unfair collection practices.\n\nStory : This collection has not been validated upon my dispute. Reporting unverified debts violates my rights. I request its removal until validation is provided. \nXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Collection Law : FCRA Section 609 requires accurate and verifiable reporting.\n\nStory : This collection is either inaccurate or not properly verified. I dispute its inclusion on my credit report and demand correction. \nXXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Issue : Charge Off Law : FCRA Section 605 ( b ) requires removal of negative information after 7 years.\n\nStory : This charge off is beyond the 7-year reporting limit and should have been removed. Its continued presence violates the FCRA. I demand immediate deletion. \nXXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Charge Off Law : FCRA Section 611 entitles consumers to dispute inaccurate information.\n\nStory : This charge off is inaccurately reported and I dispute it. I request a full investigation. \nXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$330.00} Issue : Charge Off Law : FCRA Section 611 and FDCPA require accurate reporting and validation.\n\nStory : This charge off is unverified and inaccurate. I demand removal unless properly validated. \nXXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} Issue : Charge Off Law : FCRA Section 609 and 611 protect against inaccurate information.\n\nStory : This charge off account is disputed for accuracy and I request investigation and correction. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Issue : Charge Off Law : FCRA mandates removal of negative info over 7 years old.\n\nStory : This accounts charge off status is beyond permissible reporting time. It must be removed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Collection Law : FCRA Section 611 requires accurate, verified information.\n\nStory : This collection is disputed for lack of verification. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Collection Law : FCRA mandates removal of unverifiable information.\n\nStory : This collection is inaccurate and unverifiable. I demand removal.\n\nCredit Inquiries Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized/Inaccurate Credit Inquiries Law : FCRA Section 604 ( a ) ( 3 ) limits permissible purposes for credit inquiries ; unauthorized inquiries are illegal.\n\nStory : Many of these inquiries were made without my written consent or permissible purpose. Such unauthorized inquiries harm my credit score and violate FCRA requirements. I demand removal of all inquiries not authorized by me.\n\nI request the CFPB to investigate these violations and ensure permanent deletion of these errors. These entries have damaged my credit score, financial credibility, and caused emotional and financial stress. I am requesting deletion, proper validation, and legal accountability for failure to maintain accurate consumer reporting","date_sent_to_company":"2025-07-30T19:25:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75060","tags":null,"has_narrative":true,"complaint_id":"14970833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-30T19:22:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$490.00} <em>Issue</em> : <em>Collection</em> Law : FDCPA Section 809 requires debt <em>validation</em> upon <em>dispute</em>.\n\nStory : This <em>collection</em> was reported without providing required <em>validation</em> notices. I have <em>disputed</em> this debt multiple times without proper response. I demand removal until proper <em>validation</em> is provided."]},"sort":[15.772449,"14970833"]},{"_index":"complaint-public-v1","_id":"14971883","_score":15.665109,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern I am filing this formal complaint under the protections of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. My rights as a consumer have been violated by multiple furnishers and credit bureaus due to inaccurate, outdated, and unverifiable information reporting on my credit report. I am requesting immediate investigation and removal of the following items due to legal violations, identity errors, outdated data, and failure to verify. Each item is listed below with details and applicable law violations XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Reported Law : Under the Fair and Accurate Credit Transactions Act ( FACTA ), an amendment to FCRA, consumers have the right to dispute incomplete or inaccurate personal data. \nStory : This incorrect address impacts my credit profile negatively and causes confusion during credit inquiries. The credit bureaus must verify the accuracy of all data they report. Failure to do so violates my rights under federal law and warrants immediate correction. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$9100.00} Issue : Charge Off Law : According to FCRA Section 623 ( a ) ( 8 ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. \nStory : This account was charged off without proper notification and verification. Charge offs significantly harm credit scores and should only be reported if accurate and validated. I dispute the validity of this charge off as it has caused undue financial damage. I demand validation or removal immediately.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$800.00} Issue : Charge Off Law : Under FCRA Section 611, I have the right to dispute incomplete or inaccurate info. \nStory : The charge off status of this account is inaccurate or unverifiable. This has caused significant damage to my credit score. I request an immediate reinvestigation and removal of inaccurate information.\n\nXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$490.00} Issue : Collection Law : F\n\nDCPA Section 809 requires debt validation upon dispute.\n\nStory : This collection was reported without providing required validation notices. I have disputed this debt multiple times without proper response. I demand removal until proper validation is provided. \nXXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Collection Law : FCRA Section 611 requires removal of unverifiable information after dispute. \nStory : This collection account has not been verified despite my dispute. Reporting unverifiable information violates my rights and must be corrected immediately. \nXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$1900.00} Issue : Collection Law : FCRA Section 609 requires accurate and verifiable reporting. \nStory : This collection is either inaccurate or not properly verified. I dispute its inclusion on my credit report and demand correction.\n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Issue : Charge Off Law : FCRA Section 605 ( b ) requires removal of negative information after 7 years. \nStory : This charge off is beyond the 7-year reporting limit and should have been removed. Its continued presence violates the FCRA. I demand immediate deletion. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2600.00} Issue : Charge Off Law : FCRA and FDCPA require accurate reporting and verification. \nStory : This charge off is disputed for accuracy. I request validation or removal to avoid unjust harm to my credit.\n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$700.00} Issue : Charge Off Law : FCRA Section 611 entitles consumers to dispute inaccurate information. \nStory : This charge off is inaccurately reported and I dispute it. I request a full investigation.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Credit Limit : {$750.00} Issue : Charge Off Law : FCRA requires only accurate and verified charge offs. \nStory : I dispute this charge off as inaccurate and request removal or validation. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$330.00} Issue : Charge Off Law : FCRA Section 611 and FDCPA require accurate reporting and validation.\n\nStory : This charge off is unverified and inaccurate. I demand removal unless properly validated. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$690.00} Issue : Charge Off Law : FCRA Section 609 and 611 protect against inaccurate information. \nStory : This charge off account is disputed for accuracy and I request investigation and correction. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Issue : Charge Off Law : FCRA mandates removal of negative info over 7 years old.\n\nStory : This accounts charge off status is beyond permissible reporting time. It must be removed. \nStory : This charge off is unverified and I dispute its accuracy.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Collection Law : FCRA Section 611 requires accurate, verified information.\n\nStory : This collection is disputed for lack of verification. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Collection Law : FCRA mandates removal of unverifiable information. \nStory : This collection is inaccurate and unverifiable. I demand removal. \nCredit Inquiries Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized/Inaccurate Credit Inquiries Law : FCRA Section 604 ( a ) ( 3 ) limits permissible purposes for credit inquiries ; unauthorized inquiries are illegal.\n\nStory : Many of these inquiries were made without my written consent or permissible purpose. Such unauthorized inquiries harm my credit score and violate FCRA requirements. I demand removal of all inquiries not authorized by me.\n\nI request the CFPB to investigate these violations and ensure permanent deletion of these errors. These entries have damaged my credit score, financial credibility, and caused emotional and financial stress. I am requesting deletion, proper validation, and legal accountability for failure to maintain accurate consumer reporting","date_sent_to_company":"2025-07-30T19:27:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75060","tags":null,"has_narrative":true,"complaint_id":"14971883","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-30T19:25:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$490.00} <em>Issue</em> : <em>Collection</em> Law : F\n\nDCPA Section 809 requires debt <em>validation</em> upon <em>dispute</em>.\n\nStory : This <em>collection</em> was reported without providing required <em>validation</em> notices. I have <em>disputed</em> this debt multiple times without proper response. I demand removal until proper <em>validation</em> is provided."]},"sort":[15.665109,"14971883"]},{"_index":"complaint-public-v1","_id":"18224923","_score":15.664518,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint to report ongoing violations of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., related to inaccurate, unverified collection accounts and unauthorized credit inquiries appearing on my consumer credit report. Despite my rights under federal law, these items continue to be reported without proper verification or permissible purpose. \nDISCOVERCARD Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$800.00} Issue : Late Payment This account is being reported with late payment history that is inaccurate. I have never made late payments on this account as reported. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report inaccurate information. I am disputing the payment history only and demanding correction of the inaccurate late payment reporting. If the information can not be verified as XXXX XXXX accurate, it must be corrected immediately. \nXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$420.00} Issue : Charge Off I have no knowledge of this account as reported. This account does not belong to me in the manner it is being reported. Under FCRA 1681b and 1681e ( b ), you are required to report only accurate and verifiable information. Conduct a full reinvestigation and delete this account if proper verification can not be produced. \nXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3500.00} Issue : Charge Off I dispute this account in its entirety. I have no knowledge of this account and no contractual obligation related to it. Reporting unverified charge-off accounts violates FCRA 1681e ( b ). If you can not verify this account with complete and accurate documentation, it must be deleted. \nXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Issue : Charge Off This account is inaccurately reported. I have no knowledge of this charge-off account. Under the FCRA, any information reported must be accurate, complete, and verifiable. Failure to properly verify requires immediate deletion from my credit file. \nXXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$15000.00} Issue : Charge Off I dispute this account as reported. I have no knowledge of this charge-off status and dispute the accuracy of this tradeline. Reporting inaccurate charge-off information violates FCRA 1681s-2. If verification can not be completed, this account must be removed. \nXXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$910.00} Issue : Collection This is a third-party collection account that I do not recognize. Under FDCPA 1692g, I dispute this debt and request validation. Until proper validation is provided, collection reporting must cease. If validation can not be provided, this account must be deleted. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$240.00} Issue : Collection I have no knowledge of this alleged debt. This account has not been properly validated as required under FDCPA XXXX and is being inaccurately reported under FCRA standards. Immediate deletion is required if verification can not be produced. \nMIDLANDCRE Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1900.00} Issue : Collection I dispute this collection account in full. I have no knowledge of this debt and no agreement with this collector. Reporting unverified collection accounts violates both FCRA and FDCPA requirements. Delete this account if verification can not be completed. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1500.00} Issue : Collection This account is inaccurate and unverified. I dispute any obligation related to this account. Under FDCPA and FCRA, you must either validate this debt or remove it from my credit report. \nXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1000.00} Issue : Collection I have no knowledge of this account. This collection is being reported without proper verification. Failure to validate requires deletion under FDCPA XXXX and FCRA XXXX ( b ). \nXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$970.00} Issue : Collection I have no knowledge of this alleged debt. This collection account has not been properly validated as required under FDCPA 1692g. Reporting unverified collection information violates FCRA 1681e ( b ). If validation can not be provided, this account must be deleted. \nXXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1200.00} Issue : Collection I dispute this collection account in its entirety. I have no knowledge of this debt and no contractual obligation with this collector. Until proper validation is provided, reporting must cease. Failure to validate requires deletion under FDCPA and FCRA. \nXXXX Date of Inquiry : XX/XX/XXXX Issue : Inquiry I dispute this inquiry as unauthorized. FCRA requires documentation of permissible purpose. Remove this inquiry if such proof can not be produced. \nXXXX  Date of Inquiry : XX/XX/XXXX Issue : Inquiry This inquiry is inaccurate and unauthorized. Under FCRA 1681b, it must be deleted immediately. \nThese inaccurate collections and unauthorized inquiries have caused ongoing harm to the accuracy of my credit report. I am requesting CFPB assistance to ensure that the furnishers and credit reporting agencies comply with federal law by properly investigating these items and deleting any information that can not be fully verified or legally reported.","date_sent_to_company":"2025-12-22T19:03:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77057","tags":null,"has_narrative":true,"complaint_id":"18224923","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-22T18:57:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$910.00} <em>Issue</em> : <em>Collection</em> This is a third-party <em>collection</em> account that I do not recognize. Under FDCPA 1692g, I <em>dispute</em> this debt and request <em>validation</em>. Until proper <em>validation</em> is provided, <em>collection</em> reporting must cease. If <em>validation</em> can not be provided, this account must be deleted."]},"sort":[15.664518,"18224923"]},{"_index":"complaint-public-v1","_id":"16508794","_score":15.652153,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding a debt collection account that I believe has been reported improperly and without sufficient notice. \n* I was a tenant at XXXX XXXX and moved out on XX/XX/year>. \n* The property management company issued me a move-out invoice that included a charge of {$130.00} + XXXX XXXX Removal which I disputed in writing on XX/XX/year>. \n* Management responded that they would review my concern and get back to me. However, I never received any follow-up communication regarding the dispute. \n* Without resolution, the account was sent to a debt collection agency. I never received any communication, calls, or letters from this collection agency, yet the account is now appearing on my credit reports. \nThis has negatively impacted my credit and financial standing, even though the underlying charge was disputed and never validated. I believe this handling violates consumer protection and debt collection laws because : 1. I was not provided with validation of the debt or proper notice before collections reporting.\n\n2. The disputed amount was reported despite being unresolved.\n\n3. I was denied the opportunity to formally resolve or negotiate the issue before credit damage occurred.","date_sent_to_company":"2025-10-10T14:16:25.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"80134","tags":null,"has_narrative":true,"complaint_id":"16508794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-10-10T14:08:04.000Z","state":"CO","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["However, I never received any follow-up communication regarding the <em>dispute</em>. \n* Without resolution, the account was sent to a debt <em>collection</em> agency. I never received any communication, calls, or letters from this <em>collection</em> agency, yet the account is now appearing on my credit reports. \nThis has negatively impacted my credit and financial standing, even though the underlying <em>charge</em> was <em>disputed</em> and never <em>validated</em>."],"product":["Debt <em>collection</em>"],"sub_issue":["Didn't receive notice of right to <em>dispute</em>"]},"sort":[15.652153,"16508794"]},{"_index":"complaint-public-v1","_id":"14398283","_score":15.53604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against Equifax for reporting multiple inaccurate items on my credit file, including false addresses, accounts with wrong information, charge-offs, collections, and late payments that do not belong to me or are reported inaccurately. I have disputed these items with Equifax, but they have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Additionally, some of these accounts fall under the Fair Debt Collection Practices Act ( FDCPA ) and are being inaccurately furnished by third-party debt collectors in violation of 15 U.S. Code 1692e ( false or misleading representations ). I respectfully request the CFPB to intervene and compel Equifax to delete or correct the items listed below. \nXXXX XXXX  XXXX XXXX XXXX, TX XXXX Wrong Address Issue : I have never resided at this address. This is a serious violation of FCRA 15 U.S. Code 1681e ( b ), which requires Equifax to maintain accurate information. The reporting of an unknown address can be a sign of identity theft or file merging. I have notified Equifax to delete this fraudulent address, but they continue to report it. This inaccurate reporting has negatively impacted my creditworthiness and caused emotional and financial harm. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : {$1600.00} Issue : This account has been inaccurately reported as a charge-off despite multiple dispute attempts. FCRA 1681s-2 ( b ) requires furnishers to conduct proper reinvestigation once a dispute is filed. The account is not mine, and I have requested validation, which was never provided. This failure has caused damage to my credit profile. \nXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : {$1900.00} Issue : Reported as a charge-off in error. I have disputed this with no proper verification or validation provided. FCRA 1681i and FDCPA 809 ( a ) require the debt to be verified before continued reporting. Equifax has failed in their reinvestigation duty. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off High Balance : {$3600.00} Issue : Inaccurate charge-off status ; this account is being misreported. There was no notice of default, no validation, and the debt has not been proven. Equifax is reporting without factual basis, violating FCRA 1681e ( b ). \nXXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment High Balance : {$2700.00} Issue : Inaccurate late payments reported that are not reflective of my payment history. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate data. This error is seriously affecting my creditworthiness. \nXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment High Balance : {$510.00} Issue : Inaccurate and unverifiable late payment. I demanded proof which was never furnished. Under FCRA 1681i, a reinvestigation must be done, which Equifax failed to do. \nXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment High Balance : {$2400.00} Issue : This account is inaccurately reflecting late payments. No statement, invoice, or evidence was sent validating these claims. Equifax failed to ensure accuracy in accordance with 1681e ( b ). \nXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : {$4500.00} Issue : Incorrectly reported charge-off with no validation. Violates both FCRA 1681i and FDCPA 809 ( b ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off High Balance : {$5800.00} Issue : False charge-off status reported with no consumer notification or validation of debt. This is a deceptive collection tactic, violating FDCPA 807. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : {$7500.00} Issue : Account listed as a charge-off despite my disputes and demands for investigation. Equifax has failed their responsibility under 1681s-2 ( b ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : {$53000.00} Issue : Massive charge-off balance reported incorrectly, with no documentation or proper investigation. This is negligent and malicious reporting under FCRA. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : XXXX XXXX XXXX  Issue : False and unverifiable charge-off. No validation, no debt agreement presented. Continued reporting without basis violates FCRA and FDCPA. \nXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off High Balance : {$2100.00} Issue : Inaccurate charge-off with no verification. Disputed multiple times without response. This violates 1681i and 1692g of the FDCPA. \nXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off High Balance : {$1300.00} Issue : False charge-off status reported. This account is not mine. Reporting such erroneous information after disputes is a direct violation of 1681e ( b ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment High Balance : {$30000.00} Issue : False late payments reported that I never missed. This has a significant effect on my credit. Equifax has failed to properly verify the data. \nXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment High Balance : {$44000.00} Issue : Reporting of late payments without proof of delinquency. Under 1681s-2, accurate furnishing is required. This is a breach of that legal duty. \nXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment High Balance : {$21000.00} Issue : Wrongfully listed late payments, even though payments were made on time. Equifax failed to validate the data as per 1681i. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection High Balance : {$680.00} Issue : Collection account with no validation, no notice, and no verification. Under FDCPA 809 ( b ), a debt collector must validate debt. Equifax is enabling false collection entries. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Collection High Balance : {$5300.00} Issue : Collection account not mine, disputed but still reporting. No documentation received. Violates FCRA and FDCPA. \nXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection High Balance : {$3400.00} Issue : This debt is not mine and was never validated. Reporting it despite my dispute request violates FDCPA 807 and FCRA 1681i. \nXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection High Balance : {$2100.00} Issue : Debt reported without any proof or agreement. This is misleading and unlawful. FCRA 1681e ( b ) requires the reporting of accurate data. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment High Balance : {$21000.00} Issue : Duplicate and inaccurate reporting of late payments already addressed above. This duplication further damages my credit score and violates FCRA 1681s-2 ( a ). \nIn summary, Equifax has continued to report inaccurate information despite my repeated disputes and requests for investigation. Their failure to correct these issues reflects gross negligence and a violation of my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. These errors have caused me mental distress, loss of financial opportunities, denial of credit, and reputational damage. I respectfully ask the CFPB to intervene, investigate Equifax, and ensure that all of the above inaccuracies are either corrected or permanently deleted from my credit file.","date_sent_to_company":"2025-07-01T02:30:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77095","tags":null,"has_narrative":true,"complaint_id":"14398283","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-01T02:27:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX <em>Charge</em> Off High Balance : {$5800.00} <em>Issue</em> : False <em>charge</em>-off status reported with no consumer notification or <em>validation</em> of debt. This is a deceptive <em>collection</em> tactic, violating FDCPA 807. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX <em>Charge</em> Off High Balance : {$7500.00} <em>Issue</em> : Account listed as a <em>charge</em>-off despite my <em>disputes</em> and demands for investigation."]},"sort":[15.53604,"14398283"]},{"_index":"complaint-public-v1","_id":"18150129","_score":15.5259285,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint to report ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Despite reviewing my credit report carefully, I continue to find inaccurate, duplicate, unverified collection accounts and unauthorized credit inquiries. These items are being reported without proper investigation, validation, or permissible purpose and are causing serious and ongoing harm to my credit profile. \nXXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : This account is reporting as a charge-off despite a XXXX balance. A charge-off with no outstanding balance is misleading and creates a false impression of current delinquency. The furnisher has failed to provide documentation proving the accuracy, balance history, and lawful reporting of this account. Reporting a charge-off without proper verification violates FCRA 1681e ( b ) and 1681s-2. \nXXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : This account continues to appear as charged off even though no balance is owed. The reporting is incomplete and inaccurate, as it does not reflect the true status of the account. No contract, payment history, or charge-off justification has been provided. This constitutes inaccurate reporting under the Fair Credit Reporting Act. \nXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : The reporting of this account is misleading and unverified. A zero-balance charge-off without supporting documentation is inaccurate. I dispute the accuracy, completeness, and legality of this reporting and request proof of ownership, charge-off validation, and full account history as required by law. \nXXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : This account is inaccurately reporting a charge-off while showing a XXXX balance. The continued reporting damages my credit and lacks proper verification. The furnisher has failed to meet the burden of proof required under FCRA 1681. \nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} Status : Charge Off Issue : I dispute the accuracy of this charge-off. The reported balance, payment history, and charge-off status have not been validated. No documentation has been provided to prove the debt amount, charge-off date, or compliance with reporting requirements. This account must be fully investigated and corrected or removed if unverifiable. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Issue : This account is incorrectly reporting late payments. I dispute the late payment history as inaccurate. There is no evidence provided showing that any payment was made late. Under FCRA 1681e ( b ), inaccurate payment history must be corrected. \nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Issue : Late payment reporting on an account with a XXXX balance is inaccurate and misleading. I dispute the payment history and demand correction of any falsely reported late payments. If the information can not be verified, it must be deleted. \nSXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$180.00} Status : Charge Off Issue : This charge-off is being reported without proper validation. I dispute the accuracy of the balance, payment history, and charge-off status. Failure to provide proof of accuracy violates the Fair Credit Reporting Act. \nXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Issue : I dispute the late payment history reported on this account. The reporting is inaccurate and not supported by any verified documentation. Inaccurate payment history must be corrected or removed. \nXXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Status : Late Payment Issue : The late payment reporting on this account is disputed as inaccurate. The furnisher has failed to provide proof validating the late payment claims. This reporting does not meet FCRA accuracy standards. \nXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250.00} Status : Charge Off Issue : This charge-off is reporting without proper validation. I dispute the accuracy of the balance, charge-off status, and payment history. No documentation has been provided to verify that this information is complete and accurate as required under FCRA 1681e ( b ). \nXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Issue : This account is incorrectly reporting late payments despite showing a XXXX balance. I dispute the late payment history as inaccurate. Late payments that can not be fully verified must be corrected or removed under the Fair Credit Reporting Act. \nXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : A charge-off reporting with a XXXX balance is misleading and inaccurate. I dispute the validity of this reporting and request full documentation proving the accuracy and compliance of this account with federal reporting standards. \nXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$670.00} Status : Charge Off Issue : I dispute the charge-off status, balance, and payment history of this account. The information reported has not been properly verified and fails to meet FCRA accuracy requirements. \nXXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : This account is inaccurately reporting a charge-off with no balance owed. The continued reporting is misleading and lacks proper verification. This information must be corrected or deleted if unverifiable. \nXXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : Duplicate and inaccurate reporting of a charge-off with a XXXX balance. I dispute the accuracy and legality of this entry and request proof of proper reporting or deletion. \nXXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Status : Late Payment Issue : The late payment reporting on this account is disputed as inaccurate. The furnisher has not provided verified documentation supporting the late payment history. Inaccurate reporting violates FCRA 1681e ( b ). \nXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Issue : This account is reporting late payments despite showing a XXXX balance. I dispute the late payment history as inaccurate. No verified documentation has been provided to prove that any payment was late. Inaccurate payment history must be corrected under FCRA 1681e ( b ). \nXXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off Issue : A charge-off reported with a XXXX balance is misleading and inaccurate. I dispute the charge-off status and request documentation proving the validity, accuracy, and lawful reporting of this account. \nXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Status : Collection Issue : This collection account is reporting without sufficient validation. I dispute ownership, balance accuracy, and collection authority. No documentation has been provided to verify this account. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Status : Collection Issue : Duplicate and inconsistent reporting of the same account with different balances. This is inaccurate and misleading. One account can not lawfully report multiple balances. This violates FCRA accuracy standards. \nXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} Status : Charge Off Issue : This charge-off is reporting without proper validation. I dispute the accuracy of the balance and charge-off status. The reporting does not meet FCRA verification requirements. \nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$530.00} Status : Charge Off Issue : I dispute the charge-off status and reported balance. No verified documentation has been provided to prove the accuracy and completeness of this reporting. \nXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Status : Collection Issue : This collection account is disputed due to lack of validation. I have not been provided proof of ownership, account agreement, or accurate balance calculation. \nXXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Status : Collection Issue : Duplicate collection reporting of the same alleged debt. Multiple entries for the same balance violate accuracy and completeness requirements under the Fair Credit Reporting Act. \nXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Status : Collection Issue : This collection account is reporting without proper validation. I dispute ownership, balance accuracy, and collection authority. Failure to verify requires deletion under federal law. \nThese items have been reported inaccurately, duplicated improperly, and accessed without permissible purpose. I have the right under federal law to have only accurate, complete, and verifiable information reported on my credit file. I am requesting that CFPB require the involved credit reporting agencies and furnishers to conduct a proper investigation and immediately delete any information that can not be fully verified or legally justified. \nFailure to correct these violations continues to cause financial and reputational harm and undermines the integrity of my consumer credit file.","date_sent_to_company":"2025-12-18T19:02:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77075","tags":null,"has_narrative":true,"complaint_id":"18150129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-18T18:54:10.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Status : <em>Collection</em> <em>Issue</em> : This <em>collection</em> account is <em>disputed</em> due to lack of <em>validation</em>. I have not been provided proof of ownership, account agreement, or accurate balance calculation. \nXXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Status : <em>Collection</em> <em>Issue</em> : Duplicate <em>collection</em> reporting of the same alleged debt."]},"sort":[15.5259285,"18150129"]},{"_index":"complaint-public-v1","_id":"11621169","_score":15.442488,"_source":{"product":"Debt collection","complaint_what_happened":"Accounts with Potential Errors or Discrepancies 1. XXXX XXXX Issue : This account shows 60 and 30-day late payments, but it is marked as Paid, Closed. If the account is closed and paid in full, Experian should clarify why late payments are still reported.\n\nDispute Reason : Late payment history on a closed and paid account could be inaccurate.\n\n2. XXXX XXXXXXXX ( Account # XXXX ) Issue : The account is marked as Charged Off with {$720.00} written off and listed as past due. Additionally, this account was in dispute previously, but it was marked as unchanged.\n\nDispute Reason : Confirm the legitimacy of the charge-off and verify if Experian properly investigated the past dispute.\n\n3. XXXX ( FHA Mortgage ) Issue : Account shows {$6100.00} past due, along with 120, 90, and 60-day late payments over several months.\n\nDispute Reason : Ensure that the late payments are reported accurately, especially if youve made any partial payments or reached out to resolve the delinquency.\n\n4. Jefferson XXXX XXXX ( Debt Buyer ) Issue : Collection account with {$850.00} past due as of XX/XX/year>. The original creditor is XXXX Credit Card. \nDispute Reason : Verify whether this debt is legitimate and ensure no inaccuracies, such as duplicate reporting. \n5. XXXX XXXX XXXX ( Account # XXXX ) Issue : Collection account with {$560.00} past due as of XX/XX/year>. This account also lists Collection statuses consistently without detailed payment history.\n\nDispute Reason : Validate the debt and ensure accurate reporting of payment history or collections. \n6. XXXX XXXX XXXX XXXX : The account is marked as Charged Off with {$32000.00} written off, and there are multiple late payment entries ( 180, 150, 120 days past due ).\n\nDispute Reason : Confirm that the charge-off and late payment history are accurate. \n7. XXXX XXXXXXXX XXXX XXXX Issue : Account charged off with {$960.00} written off, and late payments are listed ( 150, 120, and 90 days past due ).\n\nDispute Reason : Validate the late payment history and confirm that the charge-off is reported correctly.\n\n8. XXXXXXXX XXXX Issue : Account is marked as Charged Off with {$490.00} past due. Additionally, there is a discrepancy in how payments or collections were reported. \nDispute Reason : Investigate whether the charge-off was reported accurately and whether payments were applied correctly.","date_sent_to_company":"2025-01-19T23:45:13.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"53218","tags":null,"has_narrative":true,"complaint_id":"11621169","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-19T23:16:59.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["<em>Dispute</em> Reason : Confirm that the <em>charge</em>-off and late payment history are accurate. \n7. XXXX XXXXXXXX XXXX XXXX <em>Issue</em> : Account charged off with {$960.00} written off, and late payments are listed ( 150, 120, and 90 days past due ).\n\n<em>Dispute</em> Reason : <em>Validate</em> the late payment history and confirm that the <em>charge</em>-off is reported correctly.\n\n8. XXXXXXXX XXXX <em>Issue</em> : Account is marked as Charged Off with {$490.00} past due."],"product":["Debt <em>collection</em>"]},"sort":[15.442488,"11621169"]},{"_index":"complaint-public-v1","_id":"13895870","_score":15.431161,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding numerous inaccuracies and violations on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. Despite my attempts to resolve these discrepancies directly with the credit reporting agencies and data furnishers, these issues remain unresolved.\n\nSection 1 : Disputed Addresses ( Incorrect and Not Affiliated with Me ) The following addresses are falsely reported on my credit report. I have never lived at, nor do I have any affiliation with these addresses. Their presence constitutes a violation of the FCRA, particularly 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to assure maximum possible accuracy of the information : XXXX. XXXX XXXX XXXX, XXXX, TX XXXX Issue : Incorrect address, not linked to me, causing identity confusion and inaccurate credit file data. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Issue : Incorrect address, no relation to my residence history. \nXXXX. XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : Wrongly reported address, affecting credit report accuracy. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Issue : Not my address, improperly appearing on my credit report. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Issue : Incorrect and unauthorized address reporting. \nXXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX Issue : Address misreporting, violates my right to accurate credit data. \nApplicable Law : FCRA 1681e ( b ) Ensures information is accurate and complete. Reporting these addresses violates this obligation. \nSection 2 : Accounts Reported with Inaccurate or Unverified Negative Marks The following accounts contain inaccurate or unverifiable information, including charge-offs, collections, and late payments. In many cases, I have not received proper validation as required under the FDCPA or dispute resolution as required by the FCRA. These listings are damaging, outdated, and in some cases potentially fraudulent. \nCharge-Offs XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$500.00} Issue : Charge-off reported without proper debt validation ; no investigation results provided after dispute. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$1100.00} Issue : Charge-off inaccurately reported ; account ownership and balance not verified. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$35000.00} Issue : Charge-off reported with errors in amount and date ; no response to dispute requests. \nXXXX. XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$4000.00} Issue : Charge-off status incorrect ; no proof of valid debt furnished. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX XXXX : {$1200.00} Issue : Disputed charge-off not properly investigated or corrected. \nXXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$250.00} Issue : Charge-off improperly listed ; validation not supplied. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$500.00} Issue : Account status and balance inaccurately reported. \nXXXX. US DEPT OF EDUCATION XXXX Opened : XX/XX/XXXX | High Balance : {$50.00} Issue : Charge-off wrongly listed ; dispute requests ignored. \nXXXX. XXXX  XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$140.00} Issue : Charge-off reported without proper validation or investigation. \nApplicable Laws : FCRA 1681i ( a ) Requires reinvestigation of disputed items.\n\nFDCPA 809 ( 15 U.S.C. 1692g ) Requires debt validation upon request. \nLate Payments XXXX. XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX XXXX : {$1500.00} Issue : Late payments inaccurately reported ; no proof of delinquency. \nXXXX. XXXX  XXXXXXXX XXXX Opened : XX/XX/XXXX | XXXX XXXX : {$1600.00} Issue : Late payment history not verified, reporting is misleading. \nXXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX | High Balance : {$12000.00} Issue : Late payment reported without supporting evidence. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$990.00} Issue : Disputed late payments remain on file without validation. \nApplicable Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information. \nFCRA 1681c Limits reporting of adverse information. \nCollections XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$710.00} Issue : Collection account reported without verification or consumer consent. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$220.00} Issue : Inaccurate collection balance and account status. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$640.00} Issue : Collection account improperly reported and not validated. \nXXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$780.00} Issue : Collection debt is inaccurate and unverifiable. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1900.00} Issue : Collection account reported without proper validation.\n\nApplicable Law : FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading debt collection practices.\n\nFCRA 1681b Permits only permissible purpose for reporting collections.\n\nComplaint Summary and Relief Requested I dispute the accuracy and validity of the aforementioned credit reporting items. These accounts and addresses are either : Incorrectly associated with me Reported without verification Not properly investigated after dispute Legally barred from being reported due to time or lack of validation I am requesting : 1. Complete deletion of all listed disputed accounts and addresses.\n\n2. A detailed investigation and documentation proving the accuracy and legality of each item.\n\n3. Immediate action against the furnishers and credit bureaus for any confirmed violations.","date_sent_to_company":"2025-06-04T12:41:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76548","tags":null,"has_narrative":true,"complaint_id":"13895870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-04T12:40:41.000Z","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 XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$250.00} <em>Issue</em> : <em>Charge</em>-off improperly listed ; <em>validation</em> not supplied. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$500.00} <em>Issue</em> : Account status and balance inaccurately reported. \nXXXX. US DEPT OF EDUCATION XXXX Opened : XX/XX/XXXX | High Balance : {$50.00} <em>Issue</em> : <em>Charge</em>-off wrongly listed ; <em>dispute</em> requests ignored. \nXXXX."]},"sort":[15.431161,"13895870"]},{"_index":"complaint-public-v1","_id":"13895869","_score":15.430632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding numerous inaccuracies and violations on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. Despite my attempts to resolve these discrepancies directly with the credit reporting agencies and data furnishers, these issues remain unresolved.\n\nSection 1 : Disputed Addresses ( Incorrect and Not Affiliated with Me ) The following addresses are falsely reported on my credit report. I have never lived at, nor do I have any affiliation with these addresses. Their presence constitutes a violation of the FCRA, particularly 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to assure maximum possible accuracy of the information : XXXX. XXXX XXXX XXXX, XXXX, TX XXXX Issue : Incorrect address, not linked to me, causing identity confusion and inaccurate credit file data. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Issue : Incorrect address, no relation to my residence history. \nXXXX. XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : Wrongly reported address, affecting credit report accuracy. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Issue : Not my address, improperly appearing on my credit report. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Issue : Incorrect and unauthorized address reporting. \nXXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX Issue : Address misreporting, violates my right to accurate credit data. \nApplicable Law : FCRA 1681e ( b ) Ensures information is accurate and complete. Reporting these addresses violates this obligation. \nSection 2 : Accounts Reported with Inaccurate or Unverified Negative Marks The following accounts contain inaccurate or unverifiable information, including charge-offs, collections, and late payments. In many cases, I have not received proper validation as required under the FDCPA or dispute resolution as required by the FCRA. These listings are damaging, outdated, and in some cases potentially fraudulent. \nCharge-Offs XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$500.00} Issue : Charge-off reported without proper debt validation ; no investigation results provided after dispute. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$1100.00} Issue : Charge-off inaccurately reported ; account ownership and balance not verified. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$35000.00} Issue : Charge-off reported with errors in amount and date ; no response to dispute requests. \nXXXX. XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$4000.00} Issue : Charge-off status incorrect ; no proof of valid debt furnished. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX XXXX : {$1200.00} Issue : Disputed charge-off not properly investigated or corrected. \nXXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$250.00} Issue : Charge-off improperly listed ; validation not supplied. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$500.00} Issue : Account status and balance inaccurately reported. \nXXXX. US DEPT OF EDUCATION XXXX Opened : XX/XX/XXXX | High Balance : {$50.00} Issue : Charge-off wrongly listed ; dispute requests ignored. \nXXXX. XXXX  XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$140.00} Issue : Charge-off reported without proper validation or investigation. \nApplicable Laws : FCRA 1681i ( a ) Requires reinvestigation of disputed items.\n\nFDCPA 809 ( 15 U.S.C. 1692g ) Requires debt validation upon request. \nLate Payments XXXX. XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX XXXX : {$1500.00} Issue : Late payments inaccurately reported ; no proof of delinquency. \nXXXX. XXXX  XXXXXXXX XXXX Opened : XX/XX/XXXX | XXXX XXXX : {$1600.00} Issue : Late payment history not verified, reporting is misleading. \nXXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX | High Balance : {$12000.00} Issue : Late payment reported without supporting evidence. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$990.00} Issue : Disputed late payments remain on file without validation. \nApplicable Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information. \nFCRA 1681c Limits reporting of adverse information. \nCollections XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$710.00} Issue : Collection account reported without verification or consumer consent. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$220.00} Issue : Inaccurate collection balance and account status. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$640.00} Issue : Collection account improperly reported and not validated. \nXXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$780.00} Issue : Collection debt is inaccurate and unverifiable. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1900.00} Issue : Collection account reported without proper validation.\n\nApplicable Law : FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading debt collection practices.\n\nFCRA 1681b Permits only permissible purpose for reporting collections.\n\nComplaint Summary and Relief Requested I dispute the accuracy and validity of the aforementioned credit reporting items. These accounts and addresses are either : Incorrectly associated with me Reported without verification Not properly investigated after dispute Legally barred from being reported due to time or lack of validation I am requesting : 1. Complete deletion of all listed disputed accounts and addresses.\n\n2. A detailed investigation and documentation proving the accuracy and legality of each item.\n\n3. Immediate action against the furnishers and credit bureaus for any confirmed violations.","date_sent_to_company":"2025-06-04T12:41:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76548","tags":null,"has_narrative":true,"complaint_id":"13895869","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-04T12:40:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$250.00} <em>Issue</em> : <em>Charge</em>-off improperly listed ; <em>validation</em> not supplied. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$500.00} <em>Issue</em> : Account status and balance inaccurately reported. \nXXXX. US DEPT OF EDUCATION XXXX Opened : XX/XX/XXXX | High Balance : {$50.00} <em>Issue</em> : <em>Charge</em>-off wrongly listed ; <em>dispute</em> requests ignored. \nXXXX."]},"sort":[15.430632,"13895869"]},{"_index":"complaint-public-v1","_id":"13895338","_score":15.422476,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding numerous inaccuracies and violations on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. Despite my attempts to resolve these discrepancies directly with the credit reporting agencies and data furnishers, these issues remain unresolved.\n\nSection 1 : Disputed Addresses ( Incorrect and Not Affiliated with Me ) The following addresses are falsely reported on my credit report. I have never lived at, nor do I have any affiliation with these addresses. Their presence constitutes a violation of the FCRA, particularly 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to assure maximum possible accuracy of the information : XXXX. XXXX XXXX XXXX, XXXX, TX XXXX Issue : Incorrect address, not linked to me, causing identity confusion and inaccurate credit file data. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Issue : Incorrect address, no relation to my residence history. \nXXXX. XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : Wrongly reported address, affecting credit report accuracy. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Issue : Not my address, improperly appearing on my credit report. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Issue : Incorrect and unauthorized address reporting. \nXXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX Issue : Address misreporting, violates my right to accurate credit data. \nApplicable Law : FCRA 1681e ( b ) Ensures information is accurate and complete. Reporting these addresses violates this obligation. \nSection 2 : Accounts Reported with Inaccurate or Unverified Negative Marks The following accounts contain inaccurate or unverifiable information, including charge-offs, collections, and late payments. In many cases, I have not received proper validation as required under the FDCPA or dispute resolution as required by the FCRA. These listings are damaging, outdated, and in some cases potentially fraudulent. \nCharge-Offs XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$500.00} Issue : Charge-off reported without proper debt validation ; no investigation results provided after dispute. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$1100.00} Issue : Charge-off inaccurately reported ; account ownership and balance not verified. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$35000.00} Issue : Charge-off reported with errors in amount and date ; no response to dispute requests. \nXXXX. XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$4000.00} Issue : Charge-off status incorrect ; no proof of valid debt furnished. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX XXXX : {$1200.00} Issue : Disputed charge-off not properly investigated or corrected. \nXXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$250.00} Issue : Charge-off improperly listed ; validation not supplied. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$500.00} Issue : Account status and balance inaccurately reported. \nXXXX. US DEPT OF EDUCATION XXXX Opened : XX/XX/XXXX | High Balance : {$50.00} Issue : Charge-off wrongly listed ; dispute requests ignored. \nXXXX. XXXX  XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$140.00} Issue : Charge-off reported without proper validation or investigation. \nApplicable Laws : FCRA 1681i ( a ) Requires reinvestigation of disputed items.\n\nFDCPA 809 ( 15 U.S.C. 1692g ) Requires debt validation upon request. \nLate Payments XXXX. XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | XXXX XXXX : {$1500.00} Issue : Late payments inaccurately reported ; no proof of delinquency. \nXXXX. XXXX  XXXXXXXX XXXX Opened : XX/XX/XXXX | XXXX XXXX : {$1600.00} Issue : Late payment history not verified, reporting is misleading. \nXXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX | High Balance : {$12000.00} Issue : Late payment reported without supporting evidence. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$990.00} Issue : Disputed late payments remain on file without validation. \nApplicable Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information. \nFCRA 1681c Limits reporting of adverse information. \nCollections XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$710.00} Issue : Collection account reported without verification or consumer consent. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$220.00} Issue : Inaccurate collection balance and account status. \nXXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$640.00} Issue : Collection account improperly reported and not validated. \nXXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$780.00} Issue : Collection debt is inaccurate and unverifiable. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1900.00} Issue : Collection account reported without proper validation.\n\nApplicable Law : FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading debt collection practices.\n\nFCRA 1681b Permits only permissible purpose for reporting collections.\n\nComplaint Summary and Relief Requested I dispute the accuracy and validity of the aforementioned credit reporting items. These accounts and addresses are either : Incorrectly associated with me Reported without verification Not properly investigated after dispute Legally barred from being reported due to time or lack of validation I am requesting : 1. Complete deletion of all listed disputed accounts and addresses.\n\n2. A detailed investigation and documentation proving the accuracy and legality of each item.\n\n3. Immediate action against the furnishers and credit bureaus for any confirmed violations.","date_sent_to_company":"2025-06-04T12:41:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76548","tags":null,"has_narrative":true,"complaint_id":"13895338","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-04T12:31:39.000Z","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 XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$250.00} <em>Issue</em> : <em>Charge</em>-off improperly listed ; <em>validation</em> not supplied. \nXXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$500.00} <em>Issue</em> : Account status and balance inaccurately reported. \nXXXX. US DEPT OF EDUCATION XXXX Opened : XX/XX/XXXX | High Balance : {$50.00} <em>Issue</em> : <em>Charge</em>-off wrongly listed ; <em>dispute</em> requests ignored. \nXXXX."]},"sort":[15.422476,"13895338"]},{"_index":"complaint-public-v1","_id":"14959070","_score":15.421052,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative, I am filing this formal complaint against the credit reporting agencies and the data furnishers listed below for reporting inaccurate, unverifiable, and misleading information on my credit report. Despite my attempts to resolve these matters directly, the issues remain unresolved and continue to harm me financially, emotionally, and professionally. I am requesting that the CFPB investigate these violations and compel the furnishers and bureaus to correct or delete the following information. \nXXXX XXXX XXXX XXXX XXXXXXXX Charge-Off Issue : This account is inaccurately reporting as a charge-off Law : FCRA 607 ( b ), FDCPA 809 ( b ) Explanation : This account was not properly validated and I was not notified adequately prior to the charge-off. I dispute the accuracy of this item as it does not reflect the correct account standing. I demand full validation of this account and removal of any unverified data. \nXXXX XXXX XXXX XXXX Charge-Off Issue : Incorrect reporting and lack of full verification Law : FCRA 609 ( a ) ( 1 ), FDCPA 809 ( b ) Explanation : This account was listed as charged off without fair warning or adequate communication. I have reason to believe this is either misreported or misattributed, and I was not provided with the opportunity to resolve or dispute the debt prior to this derogatory status. \nXXXX XXXX * * Collection * * Issue : This debt was never validated Law : FDCPA 809 ( b ), FCRA 611 ( a ) Explanation : I never received a validation notice regarding this debt, and I dispute its legitimacy. Under the FDCPA, any debt in collections must be verified upon request, and failure to do so requires its removal. \nXXXX  XXXX XXXX * * Collection * * Issue : Reported without validation or consumer acknowledgment Law : FCRA 609, FDCPA 809 ( b ) Explanation : This collection account appears on my credit report with no record of prior notification or proof of debt. This violates my rights under the FCRA and FDCPA to dispute and receive proper documentation. \nXXXX XXXX XXXX XXXX * * Collection * * Issue : Duplicate or inaccurate reporting by collection agency Law : FCRA 604 ( a ) ( 3 ) ( A ), 611 ( a ) Explanation : This debt may be a duplicate or error entry from the same original creditor. It has caused confusion and damage to my report. I never received proper validation, which violates federal consumer protection laws. \nXXXX XXXX XXXX XXXXXXXX * * Charge-Off * * Issue : Reported as charged-off despite being paid or settled Law : FCRA 607 ( b ), 609 ( a ) Explanation : This account was previously resolved, yet continues to be reported inaccurately. This misreporting must be corrected immediately to reflect accurate and truthful payment status. \nXXXX XXXX XXXXXXXX XXXX * * Charge-Off * * Issue : Inaccurate charge-off reporting with balance inconsistencies Law : FCRA 607 ( b ), FDCPA 809 ( b ) Explanation : This item is being reported with incorrect details, including balance and status. I was not given an opportunity to validate or resolve the matter before the derogatory action. \nXXXX XXXX XXXX XXXX  XXXX * * Charge-Off * * Issue : Unfair reporting after account closure Law : FCRA 611 ( a ), 605 ( a ) Explanation : The account was closed with a payment agreement, yet it still shows as charged-off. This reporting is damaging and misleading, violating my right to fair and accurate reporting. \nXXXX XXXX * * Charge-Off * * Issue : Misrepresented as charge-off while in repayment discussion Law : FCRA 609, FDCPA 807 ( 8 ) Explanation : I was actively communicating with this lender about repayment options, and it was prematurely charged off. This is a misleading and unfair practice that does not reflect good faith effort. \nXXXX XXXX XXXX XXXX XXXXXXXX Charge-Off Issue : Account was settled but listed as charged-off Law : FCRA 609 ( a ) ( 1 ), 607 ( b ) Explanation : This account was resolved with the creditor, yet it remains reported as charged-off, which is inaccurate and misleading. This must be updated to show the accurate resolution. \nXXXX XXXX XXXX XXXX * Charge-Off * * Issue : Wrongly charged off with no contact attempt Law : FDCPA 809 ( b ), FCRA 611 Explanation : I never received any contact or collection notice from Affirm before this status appeared. This is unfair reporting and against federal consumer law. \nXXXX  XXXX XXXX * Charge-Off * * Issue : Incorrect charge-off reporting on {$0.00} balance Law : FCRA 607 ( b ), 609 ( a ) Explanation : This account shows a {$0.00} balance but is still being reported as charged-off, which is misleading and inaccurate. It appears to be an error or outdated information. \nAll of these issues have caused me significant financial damage, including denial of housing, elevated interest rates, and emotional distress. I am requesting the CFPB to take immediate action against the involved furnishers and credit reporting agencies for failing to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Please instruct the data furnishers to provide complete validation of each account or permanently delete these unverifiable and inaccurate items.","date_sent_to_company":"2025-07-29T12:28:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32209","tags":null,"has_narrative":true,"complaint_id":"14959070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-29T12:25:41.000Z","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":["XXXX XXXX * * <em>Collection</em> * * <em>Issue</em> : This debt was never <em>validated</em> Law : FDCPA 809 ( b ), FCRA 611 ( a ) Explanation : I never received a <em>validation</em> notice regarding this debt, and I <em>dispute</em> its legitimacy. Under the FDCPA, any debt in <em>collections</em> must be verified upon request, and failure to do so requires its removal."]},"sort":[15.421052,"14959070"]},{"_index":"complaint-public-v1","_id":"19058186","_score":15.372561,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding the improper reporting and attempted collection of a disputed and unverified debt. \n\nOn XX/XX/year>, I submitted a written dispute to the collection agency regarding an alleged {$140.00} debt associated with my former apartment residence, The XXXX at XXXX XXXX. The dispute requested full debt validation and clearly contested the accuracy and legal basis of the balance. \n\nDespite receiving my dispute, the collection agency reported the account to the credit bureaus without first providing verification of the debt. To date, no validation or documentation has been provided to substantiate the alleged balance. \n\nThe only move-out statement issued by the apartment complex shows charges solely for utilities, and those utilities were confirmed as paid by the propertys XXXX XXXX XXXX in written correspondence. There are no itemized charges, invoices, inspection reports, photographs, or documentation supporting any alleged cleaning, painting, or repair charges. As such, the debt being reported is inaccurate and unsupported. \n\nReporting a debt after receiving a written dispute, without first validating the debt, constitutes collection activity and violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Additionally, furnishing unverified and inaccurate information to consumer reporting agencies violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).\n\nThis account was reported after my dispute was submitted and without proper verification, causing harm to my credit profile. If the account was reported as disputed, it was still reported without substantiation ; if it was not marked as disputed, that constitutes an additional violation.","date_sent_to_company":"2026-01-28T02:27:49.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"76036","tags":null,"has_narrative":true,"complaint_id":"19058186","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2026-01-28T02:16:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["There are no itemized <em>charges</em>, invoices, inspection reports, photographs, or documentation supporting any alleged cleaning, painting, or repair <em>charges</em>. As such, the debt being reported is inaccurate and unsupported. \n\nReporting a debt after receiving a written <em>dispute</em>, without first <em>validating</em> the debt, constitutes <em>collection</em> activity and violates the Fair Debt <em>Collection</em> Practices Act ( 15 U.S.C. 1692g )."],"product":["Debt <em>collection</em>"]},"sort":[15.372561,"19058186"]},{"_index":"complaint-public-v1","_id":"14511494","_score":15.294579,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against TransUnion for reporting multiple inaccurate, outdated, and unverifiable items on my credit report which are causing ongoing harm to my creditworthiness and financial well-being. Despite my attempts to address these inaccuracies directly with TransUnion, the agency has failed to remove or correct the erroneous items in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ). The following specific issues are being raised for immediate investigation and correction. \nXXXX XXXX XXXX XXXX XXXX Wrong Address Issue : This is not and has never been my residential or mailing address. I have no affiliation or connection with this location. Its appearance on my credit report is misleading and likely a result of identity confusion or mixed file reporting. \nLaw Violated : FCRA 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. \nXXXX : Due to this incorrect address, my personal identity and credit profile have been compromised. I fear this address may be linked to fraudulent or unrelated accounts. I requested its removal, but TransUnion continues to report it without conducting a proper investigation. \nXXXX XXXX XXXX XXXX Late Payment Issue : The late payment reporting on this mortgage account is inaccurate. I was under temporary financial hardship due to medical and employment-related disruptions and requested assistance from the lender.\n\nLaw Violated : FCRA 1681s-2 ( a ) furnishers must report accurate information ; FCRA 1681i CRA must investigate disputed information. \nXXXX : I was never informed adequately of delinquency before it was reported. I submitted documentation and explained my situation, yet TransUnion refused to re-investigate or correct the payment history. \nXXXX XXXX XXXX XXXX XXXX Charge-Off Issue : This account has been reported as a charge-off, yet I was never provided proper written notice, nor any documentation to verify the validity or breakdown of the debt. \nLaw Violated : FCRA 1681e ( b ) ; FDCPA 809 ( b ) right to debt validation.\n\nXXXX : This negative entry is severely impacting my credit, and I have attempted to dispute it multiple times. The bank never responded with sufficient proof, and TransUnion failed to verify before reporting. \nXXXX XXXX XXXX XXXX XXXX XXXX Charge-Off Issue : XXXX charged off this account and continues to report a balance, despite unresolved disputes and lack of validation. \nLaw Violated : FCRA 1681i ( a ) ; FDCPA 809. \nXXXX  : I never received account statements or a detailed breakdown of how this balance accrued. Reporting unverifiable information is a violation of federal law and has caused me credit denials. \nXXXX XXXX XXXX Charge-Off Issue : The charge-off is inaccurate and unverified. The creditor did not properly notify me before reporting the negative mark. \nLaw Violated : FCRA 1681e ( b ) ; FDCPA 809 ( a ). \nXXXX : XXXX failed to respond to my written disputes. I believe this account may be misreported or belong to another consumer. TransUnion refused to remove it without proof from the creditor. \nXXXX XXXX XXXX XXXX Charge-Off Issue : This charge-off is disputed due to lack of validation and inaccurate reporting. The balance and terms reported are inconsistent.\n\nLaw Violated : FCRA 1681s-2 ( b ) ; FDCPA 809. \nXXXX : I was undergoing financial hardship during this period, and XXXX did not work with me or provide notice before charge-off. Ive asked TransUnion for investigation, but they failed to fulfill their duty. \nXXXX XXXX * Charge-Off Issue : I do not recall this account and have requested full validation, which I never received. I suspect identity theft or reporting error. \nLaw Violated : FCRA 1681i ( a ) ; FDCPA 809.\n\nXXXX  : This account is unfamiliar. Its presence is hurting my credit report, and despite submitting disputes, TransUnion has not deleted or validated it. \nXXXX XXXX XXXX XXXX XXXX ( Duplicate ) Charge-Off Issue : This is a duplicate charge-off for the same account listed above, falsely inflating my debt. \nLaw Violated : FCRA 1681e ( b ) requires accurate, non-duplicated data. \nXXXX : The same XXXX XXXX XXXXXXXX account is being reported twice with different balances, which is misleading and impacts my debt-to-income ratio unfairly. \nXXXX XXXX XXXX Charge-Off Issue : This account is being reported with a charge-off status without proper validation or consumer notice. \nLaw Violated : FDCPA 809 ; FCRA 1681e ( b ). \nXXXX : I was unaware of any delinquency until I saw the charge-off. XXXX XXXX never contacted me properly, and TransUnion failed to validate the dispute. \nXXXX XXXX XXXX XXXX XXXX Late Payment Issue : Multiple late payments were reported without reflecting the forbearance agreement I had during COVID-related hardship. \nLaw Violated : FCRA 1681s-2 ( b ) ; CARES Act guidance. \nXXXX  : I submitted proof of forbearance status, but XXXX XXXX and TransUnion refused to update or correct the report accordingly. \nXXXX XXXX XXXX XXXX  Charge-Off Issue : This charge-off is not accurate. I was never notified of default and dispute the total balance. \nLaw Violated : FDCPA 809 ( b ) ; FCRA 1681i. \nXXXX  : I requested validation and account details. No response was given. TransUnion has allowed this to remain despite lack of verification. \nXXXX XXXX XXXX XXXX Late Payment Issue : These late payments are due to verifiable temporary hardship. Ally did not update my hardship assistance status. \nLaw Violated : FCRA 1681e ( b ) ; 1681i. \nXXXX : I was in contact with XXXX  and provided documents showing hardship. They failed to update the payment schedule or inform TransUnion. \nXXXX XXXX XXXXXXXX XXXX  Charge-Off Issue : The charge-off was reported while the account was in dispute and without resolving open concerns.\n\nLaw Violated : FDCPA 809 ; FCRA 1681i ( a ) ( 1 ). \nXXXX : I never received an updated account status or validation. TransUnion did not pause reporting during investigation and continues to harm my score. \nXXXX XXXX XXXXXXXX XXXX  Late Payment Issue : The payment history is misrepresented. XXXX did not reflect an approved deferral in their report. \nLaw Violated : FCRA 1681s-2 ( b ). \nXXXX  : I had a deferred payment plan during financial hardship, which was not honored in credit reporting. This inaccurate data is misleading. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off Issue : This charge-off is unvalidated, and I received no final statements or notice prior to reporting. \nLaw Violated : FDCPA 809 ; FCRA 1681e ( b ). \nXXXX : I was making payments and believed the account was in good standing. The charge-off notice came without warning or explanation. \nXXXX XXXX XXXXXXXX XXXX  Collection Issue : This debt is unverified and no documentation has been provided upon request. \nLaw Violated : FDCPA 809 ( b ) ; FCRA 1681i. \nXXXX : XXXX is reporting a collection that I am not familiar with, and they have refused to provide itemized details or original account information. \nXXXX XXXX XXXX Collection Issue : This collection is likely invalid or already paid, and no verification has been given.\n\nLaw Violated : FDCPA 809 ( a ) ; FCRA 1681e ( b ). \nXXXX : I disputed this collection but never received anything beyond generic statements. This account should be removed unless fully validated. \nXXXX XXXX XXXXXXXX XXXX Collection Issue : XXXX XXXX is reporting this collection without furnishing adequate details or proof of debt ownership. \nLaw Violated : FDCPA 809 ( b ) ; FCRA 1681i. \nXXXX : I have not received any mailed notice from XXXX and believe this may be a re-aged or duplicate account. TransUnion continues to report it without investigation. \nThese multiple inaccurate, unverifiable, and outdated entries are causing irreversible harm to my credit profile, resulting in denial of credit, higher interest rates, and emotional distress. TransUnion has failed to fulfill its duty to maintain accurate data and to conduct timely reinvestigations upon dispute under FCRA 1681i. I request CFPB 's urgent intervention to force TransUnion to : 1. Delete all unverifiable or inaccurate accounts and addresses XXXX. Provide proper validation and documentation for all negative entries XXXX. Cease reporting of disputed accounts until proper verification is completed as required under federal law I demand full investigation and resolution in accordance with my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.","date_sent_to_company":"2025-07-08T00:06:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92507","tags":null,"has_narrative":true,"complaint_id":"14511494","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-08T00:00:40.000Z","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":["XXXX XXXX XXXX <em>Charge</em>-Off <em>Issue</em> : This account is being reported with a <em>charge</em>-off status without proper <em>validation</em> or consumer notice. \nLaw Violated : FDCPA 809 ; FCRA 1681e ( b ). \nXXXX : I was unaware of any delinquency until I saw the <em>charge</em>-off. XXXX XXXX never contacted me properly, and TransUnion failed to <em>validate</em> the <em>dispute</em>."]},"sort":[15.294579,"14511494"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":7074,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":7074}]}},"product":{"doc_count":7074,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4506,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4489},{"key":"Other personal consumer report","doc_count":17}]}},{"key":"Debt collection","doc_count":2044,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":758},{"key":"Credit card debt","doc_count":454},{"key":"Other debt","doc_count":240},{"key":"Rental debt","doc_count":231},{"key":"Medical debt","doc_count":149},{"key":"Telecommunications debt","doc_count":88},{"key":"Auto debt","doc_count":56},{"key":"Payday loan debt","doc_count":14},{"key":"Mortgage debt","doc_count":13},{"key":"Credit card","doc_count":11},{"key":"Federal student loan debt","doc_count":11},{"key":"Other (i.e. phone, health club, etc.)","doc_count":11},{"key":"Medical","doc_count":5},{"key":"Private student loan debt","doc_count":2},{"key":"Non-federal student loan","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":314,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":310},{"key":"Other personal consumer report","doc_count":4}]}},{"key":"Credit card","doc_count":56,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":49},{"key":"Store credit card","doc_count":4}]}},{"key":"Mortgage","doc_count":41,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":28},{"key":"VA mortgage","doc_count":6},{"key":"FHA mortgage","doc_count":4},{"key":"Home equity loan or line of credit (HELOC)","doc_count":2},{"key":"Conventional fixed mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":33,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":30},{"key":"Lease","doc_count":3}]}},{"key":"Credit card or prepaid card","doc_count":18,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":15},{"key":"Store credit card","doc_count":3}]}},{"key":"Credit reporting","doc_count":17,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":6},{"key":"Payday loan","doc_count":4},{"key":"Personal line of credit","doc_count":3}]}},{"key":"Debt or credit management","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":6},{"key":"Credit repair services","doc_count":2},{"key":"Mortgage modification or foreclosure avoidance","doc_count":1}]}},{"key":"Student loan","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":3},{"key":"Private student loan","doc_count":3},{"key":"Non-federal student loan","doc_count":1}]}},{"key":"Checking or savings account","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":4},{"key":"Other banking product or service","doc_count":1},{"key":"Savings account","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":2},{"key":"Payday loan","doc_count":2}]}},{"key":"Consumer Loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle lease","doc_count":2},{"key":"Vehicle loan","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Check cashing service","doc_count":1},{"key":"Debt settlement","doc_count":1},{"key":"Mobile or digital wallet","doc_count":1}]}}]}},"issue":{"doc_count":7074,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":2097,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":2027},{"key":"Credit inquiries on your report that you don't recognize","doc_count":67},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":3}]}},{"key":"Incorrect information on your report","doc_count":1490,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":590},{"key":"Account information incorrect","doc_count":520},{"key":"Account status incorrect","doc_count":254},{"key":"Personal information incorrect","doc_count":40},{"key":"Old information reappears or never goes away","doc_count":32},{"key":"Information is missing that should be on the report","doc_count":25},{"key":"Public record information inaccurate","doc_count":24},{"key":"Information is incorrect","doc_count":4},{"key":"Information that should be on the report is missing","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1094,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":625},{"key":"Investigation took more than 30 days","doc_count":394},{"key":"Problem with personal statement of dispute","doc_count":35},{"key":"Was not notified of investigation status or results","doc_count":33},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":7}]}},{"key":"Attempts to collect debt not owed","doc_count":918,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":673},{"key":"Debt was result of identity theft","doc_count":151},{"key":"Debt was paid","doc_count":76},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":18}]}},{"key":"Written notification about debt","doc_count":529,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":307},{"key":"Didn't receive notice of right to dispute","doc_count":221},{"key":"Notification didn't disclose it was an attempt to collect a debt","doc_count":1}]}},{"key":"False statements or representation","doc_count":365,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":350},{"key":"Impersonated attorney, law enforcement, or government official","doc_count":6},{"key":"Indicated you were committing crime by not paying debt","doc_count":6},{"key":"Told you not to respond to a lawsuit they filed against you","doc_count":3}]}},{"key":"Took or threatened to take negative or legal action","doc_count":160,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":107},{"key":"Sued you without properly notifying you of lawsuit","doc_count":23},{"key":"Seized or attempted to seize your property","doc_count":14},{"key":"Threatened to sue you for very old debt","doc_count":7},{"key":"Collected or attempted to collect exempt funds","doc_count":4},{"key":"Threatened to arrest you or take you to jail if you do not pay","doc_count":4},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":140,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":101},{"key":"Investigation took more than 30 days","doc_count":22},{"key":"Was not notified of investigation status or results","doc_count":14},{"key":"Problem with personal statement of dispute","doc_count":2},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1}]}},{"key":"Communication tactics","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":9},{"key":"Frequent or repeated calls","doc_count":6},{"key":"Used obscene, profane, or other abusive language","doc_count":6},{"key":"Called before 8am or after 9pm","doc_count":2},{"key":"Used obscene/profane/abusive language","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":2},{"key":"Escrow, taxes, or insurance","doc_count":1},{"key":"Lien release","doc_count":1},{"key":"Payment process","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":10},{"key":"Card was charged for something you did not purchase with the card","doc_count":8}]}},{"key":"Disclosure verification of debt","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Not given enough info to verify debt","doc_count":11},{"key":"Right to dispute notice not received","doc_count":4}]}},{"key":"Electronic communications","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Frequent or repeated messages","doc_count":12},{"key":"You told them to stop contacting you, but they keep trying","doc_count":3}]}},{"key":"Struggling to pay mortgage","doc_count":15,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Foreclosure","doc_count":3}]}},{"key":"Unable to get your credit report or credit score","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":8},{"key":"Problem getting your free annual credit report","doc_count":5}]}},{"key":"Repossession","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":4},{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":2},{"key":"Deficiency balance after repossession","doc_count":2},{"key":"Lender trying to repossess or disable the vehicle","doc_count":2},{"key":"Notice to repossess","doc_count":1}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Contacted you after you asked them to stop","doc_count":6},{"key":"Talked to a third-party about your debt","doc_count":4},{"key":"Contacted your employer","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":4},{"key":"Problem with fees charged","doc_count":3},{"key":"Loan sold or transferred to another company","doc_count":2},{"key":"Problem with additional products or services purchased with the loan","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":10,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":8},{"key":"Privacy issues","doc_count":1},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Incorrect information on credit report","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account terms","doc_count":7},{"key":"Account status","doc_count":1},{"key":"Information is not mine","doc_count":1}]}},{"key":"Credit reporting company's investigation","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"No notice of investigation status/result","doc_count":8}]}},{"key":"Cont'd attempts collect debt not owed","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not mine","doc_count":4},{"key":"Debt was paid","doc_count":3}]}},{"key":"Problem when making payments","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":3},{"key":"You never received your bill or did not know a payment was due","doc_count":1}]}},{"key":"Charged fees or interest you didn't expect","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your account","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":6}]}},{"key":"Fees or interest","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":5},{"key":"Charged too much interest","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":3},{"key":"Confusing or misleading advertising or marketing","doc_count":1},{"key":"Loan opened without my consent or knowledge","doc_count":1},{"key":"Problem with additional add-on products or services purchased with the loan","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":4},{"key":"Problem canceling credit monitoring or identify theft protection service","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":3},{"key":"Don't agree with the fees charged","doc_count":1},{"key":"Trouble with how payments are being handled","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing on a mortgage","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing disclosure or other related disclosures","doc_count":1}]}},{"key":"Struggling to pay your loan","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":2}]}},{"key":"Confusing or missing disclosures","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Didn't provide services promised","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a credit card","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":3}]}},{"key":"Managing an account","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Banking errors","doc_count":2},{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3}]}},{"key":"Problems when you are unable to pay","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Billing disputes","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Charged upfront or unexpected fees","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a lender or other company charging your account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":2}]}},{"key":"Problem with customer service","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problems at the end of the loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Excess mileage, damage, or wear fees, or other problem after the lease is finished","doc_count":1},{"key":"Unable to receive car title or other problem after the loan is paid off","doc_count":1}]}},{"key":"Trouble using your card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":2}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising about the credit card","doc_count":1}]}},{"key":"Can't stop withdrawals from your bank account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't close your account","doc_count":1}]}},{"key":"Dealing with my lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Having problems with customer service","doc_count":1}]}},{"key":"Identity theft protection or other monitoring services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":1}]}},{"key":"Loan modification,collection,foreclosure","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with the payoff process at the end of the loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized withdrawals or charges","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Was approved for a loan, but didn't receive the money","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":7074,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":7000},{"key":"No","doc_count":74}]}},"company_response":{"doc_count":7074,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":4285},{"key":"Closed with non-monetary relief","doc_count":2767},{"key":"Untimely response","doc_count":13},{"key":"Closed with monetary relief","doc_count":9}]}},"submitted_via":{"doc_count":7074,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":7074}]}},"company":{"doc_count":7074,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1501},{"key":"EQUIFAX, INC.","doc_count":1471},{"key":"Experian Information Solutions Inc.","doc_count":1433},{"key":"Resurgent Capital Services L.P.","doc_count":159},{"key":"Portfolio Recovery Associates, LLC","doc_count":113},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":104},{"key":"National Credit Systems,Inc.","doc_count":80},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":73},{"key":"CL Holdings LLC","doc_count":68},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":50},{"key":"CITIBANK, N.A.","doc_count":45},{"key":"WELLS FARGO & COMPANY","doc_count":40},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":38},{"key":"SYNCHRONY FINANCIAL","doc_count":37},{"key":"CCS Financial Services, Inc.","doc_count":36},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":35},{"key":"AMERICAN EXPRESS COMPANY","doc_count":34},{"key":"T.S. Holdings","doc_count":34},{"key":"Bread Financial Holdings, Inc.","doc_count":33},{"key":"JPMORGAN CHASE & CO.","doc_count":33},{"key":"TRANSWORLD SYSTEMS INC","doc_count":33},{"key":"I.C. System, Inc.","doc_count":32},{"key":"Kriya Capital, LLC","doc_count":32},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":31},{"key":"DISCOVER BANK","doc_count":29},{"key":"LEXISNEXIS","doc_count":28},{"key":"ProCollect, Inc.","doc_count":28},{"key":"HW Holding, Inc","doc_count":26},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":24},{"key":"TD BANK US HOLDING COMPANY","doc_count":22},{"key":"CBC Companies, Inc.","doc_count":19},{"key":"Aldous & Associates, PLLC","doc_count":18},{"key":"Amsher Collection Services, Inc.","doc_count":18},{"key":"BARCLAYS BANK DELAWARE","doc_count":17},{"key":"SELECT PORTFOLIO SERVICING, INC.","doc_count":17},{"key":"Spring Oaks Capital, LLC","doc_count":17},{"key":"ID Analytics, Inc.","doc_count":15},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":15},{"key":"GOLDMAN SACHS BANK USA","doc_count":14},{"key":"HCFS Healthcare Financial Services of TeamHealth","doc_count":14},{"key":"Radius Global Solutions LLC","doc_count":14},{"key":"ALLY FINANCIAL INC.","doc_count":13},{"key":"Affirm Holdings, Inc","doc_count":13},{"key":"CAVALRY INVESTMENTS, LLC","doc_count":13},{"key":"Exeter Finance, LLC.","doc_count":13},{"key":"Harris & Harris, Ltd.","doc_count":13},{"key":"ERC","doc_count":12},{"key":"National Credit Adjusters, LLC","doc_count":12},{"key":"OneMain Finance Corporation","doc_count":12},{"key":"Security Credit Services, LLC","doc_count":12},{"key":"TrueAccord Corp.","doc_count":12},{"key":"Westlake Services, LLC","doc_count":12},{"key":"Optio Solutions, LLC","doc_count":11},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":11},{"key":"Sequium Asset Solutions, LLC","doc_count":11},{"key":"Southwest Credit Systems, L.P.","doc_count":11},{"key":"TOYOTA MOTOR CREDIT CORPORATION","doc_count":11},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":11},{"key":"W&A Intermediate Co., LLC","doc_count":11},{"key":"ONLINE Information Services, Inc.","doc_count":10},{"key":"Source Receivables Management LLC","doc_count":10},{"key":"TekCollect Inc.","doc_count":10},{"key":"Aargon Agency, Inc.","doc_count":9},{"key":"Lockhart, Morris & Montgomery Inc.","doc_count":9},{"key":"NCB Management Services Inc.","doc_count":9},{"key":"Velocity Portfolio Group","doc_count":9},{"key":"Collection Management Holdings, LLC","doc_count":8},{"key":"Credit Corp Solutions Inc.","doc_count":8},{"key":"NRA Group, LLC","doc_count":8},{"key":"Nelnet, Inc.","doc_count":8},{"key":"Rent Recovery Solutions","doc_count":8},{"key":"Shellpoint Partners, LLC","doc_count":8},{"key":"Central Portfolio Control Inc.","doc_count":7},{"key":"Credit Control, LLC","doc_count":7},{"key":"General Motors Financial Company, Inc.","doc_count":7},{"key":"Halsted Financial Services, LLC.","doc_count":7},{"key":"Kimball, Tirey & St. John LLP","doc_count":7},{"key":"Oliphant United, Inc.","doc_count":7},{"key":"Self Financial Inc.","doc_count":7},{"key":"AES/PHEAA","doc_count":6},{"key":"Ability Recovery Services, LLC","doc_count":6},{"key":"Bridgecrest Acceptance Corporation","doc_count":6},{"key":"CREDIT ACCEPTANCE CORPORATION","doc_count":6},{"key":"Capio Partners, LLC","doc_count":6},{"key":"Credit Protection Association, L.P.","doc_count":6},{"key":"Diversified Adjustment Service, Inc.","doc_count":6},{"key":"LJ Ross Associates","doc_count":6},{"key":"Monterey Financial Services LLC","doc_count":6},{"key":"Mr. Cooper Group Inc.","doc_count":6},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":6},{"key":"PNC Bank N.A.","doc_count":6},{"key":"Professional Debt Mediation, Inc.","doc_count":6},{"key":"RentDebt Automated Collections, LLC","doc_count":6},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":6},{"key":"UPGRADE, INC.","doc_count":6},{"key":"AFNI INC.","doc_count":5},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":5},{"key":"Io, Inc.","doc_count":5},{"key":"Maximus Federal Services, Inc.","doc_count":5},{"key":"Medical Data Systems, Inc.","doc_count":5},{"key":"Mutual Management Services LLC","doc_count":5},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":5},{"key":"ResidentCollect, Inc.","doc_count":5},{"key":"Specialized Loan Servicing Holdings LLC","doc_count":5},{"key":"The Bureaus, Inc.","doc_count":5},{"key":"The CBE Group, Inc.","doc_count":5},{"key":"United PanAm Financial Corp.","doc_count":5},{"key":"WAKEFIELD & ASSOCIATES, INC.","doc_count":5},{"key":"AMERICAN HONDA FINANCE CORP","doc_count":4},{"key":"Adler Wallach & Associates, Inc.","doc_count":4},{"key":"AmeriCollect","doc_count":4},{"key":"Bounce AI, Inc.","doc_count":4},{"key":"CLGF Holdco 1, LLC","doc_count":4},{"key":"CORELOGIC INC","doc_count":4},{"key":"Credit Systems International, Inc.","doc_count":4},{"key":"EOS Holdings, Inc.","doc_count":4},{"key":"Eastern Account Systems of Connecticut, Inc.","doc_count":4},{"key":"FIRST PORTFOLIO SERVICING INC","doc_count":4},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":4},{"key":"First Credit Services Inc.","doc_count":4},{"key":"Johnson Mark LLC","doc_count":4},{"key":"MRS BPO, LLC","doc_count":4},{"key":"Medical-Commercial Audit Inc","doc_count":4},{"key":"Merchants Adjustment Service, Inc.","doc_count":4},{"key":"Navient Solutions, LLC.","doc_count":4},{"key":"Ocwen Financial Corporation","doc_count":4},{"key":"Paypal Holdings, Inc","doc_count":4},{"key":"Phoenix Financial Services LLC","doc_count":4},{"key":"Property Receivables, Corp","doc_count":4},{"key":"Receivables Performance Management, LLC","doc_count":4},{"key":"Synergetic Communication Inc","doc_count":4},{"key":"U.S. BANCORP","doc_count":4},{"key":"United Revenue Corporation","doc_count":4},{"key":"V and H Portfolio","doc_count":4},{"key":"Valor Intelligent Processing, LLC","doc_count":4},{"key":"ZWICKER & ASSOCIATES","doc_count":4},{"key":"Absolute Resolutions Corp.","doc_count":3},{"key":"Alliance One, Inc.","doc_count":3},{"key":"AmerAssist A/R Solutions, Inc.","doc_count":3},{"key":"American Accounts & Advisers, Inc.","doc_count":3},{"key":"American Coradius International LLC","doc_count":3},{"key":"American Credit Acceptance, LLC","doc_count":3},{"key":"Army and Air Force Exchange Service","doc_count":3},{"key":"Asset Management Outsourcing, Inc.","doc_count":3},{"key":"BTH Management","doc_count":3},{"key":"CarMax, Inc.","doc_count":3},{"key":"Carter-Young, Inc.","doc_count":3},{"key":"Commonwealth Financial Systems, Inc.","doc_count":3},{"key":"Concord Servicing Corporation","doc_count":3},{"key":"Continental Finance Company, LLC","doc_count":3},{"key":"Continental Services Group, Inc. d/b/a ConServe","doc_count":3},{"key":"Creditors Bureau Associates","doc_count":3},{"key":"Diversified Consultants, Inc.","doc_count":3},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":3},{"key":"FISERV FINXACT CORE","doc_count":3},{"key":"FORD MOTOR CREDIT CO.","doc_count":3},{"key":"Healthcare Finance Direct LLC.","doc_count":3},{"key":"Kingston Data & Credit International Inc.","doc_count":3},{"key":"MARINER FINANCE, LLC","doc_count":3},{"key":"McCarthy, Burgess & Wolff, Inc.","doc_count":3},{"key":"Meridian Financial Services, Inc.","doc_count":3},{"key":"MoneyLion Inc.","doc_count":3},{"key":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","doc_count":3},{"key":"OPORTUN FINANCIAL CORPORATION","doc_count":3},{"key":"Pollack & Rosen, P.A.","doc_count":3},{"key":"Possible Financial Inc","doc_count":3},{"key":"RAS LaVrar, LLC","doc_count":3},{"key":"Rausch Sturm LLP","doc_count":3},{"key":"Receivables Management Partners, LLC","doc_count":3},{"key":"SCA Collections, Inc.","doc_count":3},{"key":"Summit A*R, Inc.","doc_count":3},{"key":"The CMI Group, Inc.","doc_count":3},{"key":"The Phoenix Recovery Group","doc_count":3},{"key":"Tower Loan of Mississippi, Inc.","doc_count":3},{"key":"Weber & Olcese, PLC","doc_count":3},{"key":"World Acceptance Corporation","doc_count":3},{"key":"Zions Debt Holdings","doc_count":3},{"key":"ACIMA CREDIT, LLC","doc_count":2},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":2},{"key":"Action Revenue Recovery, LLC","doc_count":2},{"key":"Advanced Resolution Services Inc.","doc_count":2},{"key":"Aldridge PIte Haan, LLP","doc_count":2},{"key":"Associated Credit Services, Inc.","doc_count":2},{"key":"Atlanticus Services Corporation","doc_count":2},{"key":"Avant Holding Company, Inc.","doc_count":2},{"key":"BMW Financial Services NA, LLC","doc_count":2},{"key":"Block, Inc.","doc_count":2},{"key":"Bull City Financial Solutions, Inc","doc_count":2},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":2},{"key":"CONTRACT CALLERS INC","doc_count":2},{"key":"Central States Recovery, Inc.","doc_count":2},{"key":"Consumer Collection Management. Inc","doc_count":2},{"key":"Convergent Resources, Inc.","doc_count":2},{"key":"Debt Collectors International, Inc.","doc_count":2},{"key":"Denefits LLC","doc_count":2},{"key":"Diverse Funding Associates LLC","doc_count":2},{"key":"Early Warning Services, LLC","doc_count":2},{"key":"Ernst, Ernst & Artmann, Inc.","doc_count":2},{"key":"FEDChex Recovery, LLC","doc_count":2},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":2},{"key":"FactorTrust, Inc.","doc_count":2},{"key":"Fay Servicing, LLC","doc_count":2},{"key":"Federal Adjustment Bureau, Inc.","doc_count":2},{"key":"GLA Collection Company, Inc.","doc_count":2},{"key":"Global Lending Services LLC","doc_count":2},{"key":"Grant & Weber","doc_count":2},{"key":"Harvard Collections, LLC","doc_count":2},{"key":"I.Q. DATA INTERNATIONAL, INC.","doc_count":2},{"key":"Ideal Collection Services, Inc.","doc_count":2},{"key":"January Technologies, Inc","doc_count":2},{"key":"Jim Bottin Enterprises, Inc","doc_count":2},{"key":"Kikoff Inc.","doc_count":2},{"key":"Kinum, Inc., Indianapolis, IN Branch","doc_count":2},{"key":"LANIER COLLECTIONS AGENCY AND SERVICES INC","doc_count":2},{"key":"Law Office of Michael J. Scott, PC","doc_count":2},{"key":"LendKey Technologies, Inc.","doc_count":2},{"key":"Lloyd & McDaniel, PLC","doc_count":2},{"key":"M.A.R.S., Inc.","doc_count":2},{"key":"Mandarich Law Group, LLP","doc_count":2},{"key":"Merchants and Medical Credit Corporation, Inc.","doc_count":2},{"key":"Midwest Fidelity Services, LLC","doc_count":2},{"key":"Monarch Recovery Holdings, Inc.","doc_count":2},{"key":"National Account Systems of Omaha, LLC","doc_count":2},{"key":"National Collection Systems, Inc.","doc_count":2},{"key":"Nelson and Kennard, LLP","doc_count":2},{"key":"Opportunity Financial, LLC","doc_count":2},{"key":"P.S.C., Inc","doc_count":2},{"key":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","doc_count":2},{"key":"Professional Collection Service Inc (GA)","doc_count":2},{"key":"Professional Finance Company, Inc.","doc_count":2},{"key":"Professional Recovery Management","doc_count":2},{"key":"Reliant Capital Solutions, LLC","doc_count":2},{"key":"Revco Management, LLC","doc_count":2},{"key":"Rozlin Financial Group, Inc.","doc_count":2},{"key":"SECURITY FINANCE CORP","doc_count":2},{"key":"Sensible Auto Lending, LLC","doc_count":2},{"key":"Simon's Agency, Inc.","doc_count":2},{"key":"Southwest Recovery Services, Inc.","doc_count":2},{"key":"Stellantis Financial Services US Corp.","doc_count":2},{"key":"Strategic Alliances, Inc.","doc_count":2},{"key":"Synerprise Consulting Services, Inc.","doc_count":2},{"key":"Texas Guaranteed","doc_count":2},{"key":"The Commercial Collection Corporation of New York, Inc.","doc_count":2},{"key":"The Law Office of Alan Pritchard, PLLC","doc_count":2},{"key":"The Law Offices of Kenosian & Miele, LLP","doc_count":2},{"key":"The Receivable Management Services LLC","doc_count":2},{"key":"USCB, Inc.","doc_count":2},{"key":"United Collection Bureau, Inc.","doc_count":2},{"key":"United Credit and Collections Inc.","doc_count":2},{"key":"Williams & Fudge, Inc","doc_count":2},{"key":"World Omni Financial Corp.","doc_count":2},{"key":"YSA ARM LLC DBA Oxygen XL","doc_count":2},{"key":"2288984 Ontario Inc.","doc_count":1},{"key":"A.R.M. Solutions, Inc.","doc_count":1},{"key":"ACCELERATED COLLECTION SERVICE, INC","doc_count":1},{"key":"ADIR INTERNATIONAL LLC","doc_count":1},{"key":"ADP Inc.","doc_count":1},{"key":"AR Resources, Inc.","doc_count":1},{"key":"AVANTE","doc_count":1},{"key":"Account Management Services, Inc.","doc_count":1},{"key":"Account Recovery Specialists, Inc.","doc_count":1},{"key":"Ad Astra Recovery Services Inc","doc_count":1},{"key":"Adelante, Inc","doc_count":1},{"key":"Advantage Collection Professionals, Inc.","doc_count":1},{"key":"Alco Collections, Inc.","doc_count":1},{"key":"Aldridge Pite, LLP","doc_count":1},{"key":"All State Credit Bureau, Inc.","doc_count":1},{"key":"Alorica Inc.","doc_count":1},{"key":"American Collections Enterprise, Inc.","doc_count":1},{"key":"Andreu, Palma & Andreu, PL","doc_count":1},{"key":"Applied Data Finance, LLC","doc_count":1},{"key":"Arcon Credit Solutions LLC","doc_count":1},{"key":"Asset Recovery Solutions, LLC","doc_count":1},{"key":"Augusta Collection Agency, Inc.","doc_count":1},{"key":"Auto Credit of Virginia Inc.","doc_count":1},{"key":"Ava Finance, Inc","doc_count":1},{"key":"Avadyne Health Holdings, Inc","doc_count":1},{"key":"Axela Technologies, Inc","doc_count":1},{"key":"BANCO POPULAR DE PUERTO RICO","doc_count":1},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":1},{"key":"BLINCLOANS, INC.","doc_count":1},{"key":"BMO BANK NATIONAL ASSOCIATION","doc_count":1},{"key":"Berlin-Wheeler, Inc. (Kansas)","doc_count":1},{"key":"Berman & Rabin, P.A.","doc_count":1},{"key":"Bilateral Credit Corp, LLC","doc_count":1},{"key":"Blitt and Gaines, P.C.","doc_count":1},{"key":"Bridge IT, Inc.","doc_count":1},{"key":"Bristlecone, Inc.","doc_count":1},{"key":"Brock & Scott, PLLC","doc_count":1},{"key":"Business Processing Solutions, LLC","doc_count":1},{"key":"Byrider Franchising, LLC","doc_count":1},{"key":"CDI Affiliated Services, Inc.","doc_count":1},{"key":"CHECKredi of Kentucky, LLC","doc_count":1},{"key":"CHERRY TECHNOLOGIES INC.","doc_count":1},{"key":"CIG FINANCIAL LLC","doc_count":1},{"key":"CITY NATIONAL BANK","doc_count":1},{"key":"CMRE Financial Services, Inc.","doc_count":1},{"key":"CNG FINANCIAL CORPORATION","doc_count":1},{"key":"COLLECTECH DIVERSIFIED, INC.","doc_count":1},{"key":"COLLECTION ASSOCIATES, LTD.","doc_count":1},{"key":"COLLECTION SERVICES OF ATHENS, INC.","doc_count":1},{"key":"COLLECTIONS USA, INC.","doc_count":1},{"key":"CREDIT WORLD SERVICES, INC.","doc_count":1},{"key":"CULLEN/FROST BANKERS, INC.","doc_count":1},{"key":"CURO Intermediate Holdings","doc_count":1},{"key":"Camelot Financial Services, Inc.","doc_count":1},{"key":"Capital Management Services, LP","doc_count":1},{"key":"Capstone Credit & Collection, LLC.","doc_count":1},{"key":"Cascade Collections, Inc.","doc_count":1},{"key":"CashRepublic Holdings, Inc.","doc_count":1},{"key":"Certified Credit Reporting, Inc.","doc_count":1},{"key":"Chaplain Financial Services LLC","doc_count":1},{"key":"Choice Recovery, Inc.","doc_count":1},{"key":"Collection Bureau of America Ltd.","doc_count":1},{"key":"Collection Bureau of the Hudson Valley, Inc.","doc_count":1},{"key":"Collection Consultants of California","doc_count":1},{"key":"Collection Professionals, Inc.","doc_count":1},{"key":"Collection Professionals, Inc. (Macomb, IL)","doc_count":1},{"key":"Collection Receivables, Inc.","doc_count":1},{"key":"Commercial Acceptance Company","doc_count":1},{"key":"Concentric Receivables Management, Ltd.","doc_count":1},{"key":"Conn's, Inc.","doc_count":1},{"key":"Consumer Adjustment Company Incorporated","doc_count":1},{"key":"Consumer Portfolio Services, Inc.","doc_count":1},{"key":"Cooling & Winter LLC","doc_count":1},{"key":"Cornerstone Holdings, Inc.","doc_count":1},{"key":"Costello Sury & Rooney, P.C.","doc_count":1},{"key":"Couch Conville & Blitt LLC","doc_count":1},{"key":"Credit Counsel, Inc.","doc_count":1},{"key":"Credit Fresh Holdings Inc","doc_count":1},{"key":"Credits, Incorporated","doc_count":1},{"key":"Crown Asset Management, LLC, Duluth, GA Branch","doc_count":1},{"key":"D&A Services, LLC","doc_count":1},{"key":"DRB-40, LLC","doc_count":1},{"key":"DSR HOLDINGS GROUP, LLC","doc_count":1},{"key":"Debt Recovery Solutions of Ohio, Inc.","doc_count":1},{"key":"Debt Recovery Solutions, LLC","doc_count":1},{"key":"Deinde Online Services, LLC","doc_count":1},{"key":"Denali Capital Holdings, LLC","doc_count":1},{"key":"Designed Receivable Solutions, Inc.","doc_count":1},{"key":"Duncan Solutions, lnc.","doc_count":1},{"key":"Duvera Billing Services, LLC","doc_count":1},{"key":"Dynamic Recovery Solutions, LLC","doc_count":1},{"key":"E*TRADE BANK","doc_count":1},{"key":"ECMC GROUP, INC.","doc_count":1},{"key":"Eagle Financial Services, Inc.","doc_count":1},{"key":"Essential Lending Inc","doc_count":1},{"key":"F.H. Cann & Associates, Inc.","doc_count":1},{"key":"FC HoldCo LLC","doc_count":1},{"key":"FIDELITY CAPITAL HOLDINGS, INC","doc_count":1},{"key":"FIRST HORIZON BANK","doc_count":1},{"key":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","doc_count":1},{"key":"FLAGSHIP FINANCIAL GROUP LLC","doc_count":1},{"key":"FREEDOM FINANCIAL NETWORK","doc_count":1},{"key":"FRESNO CREDIT BUREAU","doc_count":1},{"key":"Fig Tech Inc.","doc_count":1},{"key":"Finance System of Green Bay, Inc.","doc_count":1},{"key":"Financial Business and Consumer Solutions.","doc_count":1},{"key":"Financial Management Solutions, LLC","doc_count":1},{"key":"First Advantage LNS Inc.","doc_count":1},{"key":"First Federal Credit Control, Inc.","doc_count":1},{"key":"FirstKey Holdings, LLC","doc_count":1},{"key":"FirstPoint Collection Resources","doc_count":1},{"key":"Firstsource Business Process Services, LLC","doc_count":1},{"key":"Flexible Finance, Inc.","doc_count":1},{"key":"Franklin Collection Service, Inc.","doc_count":1},{"key":"Freedom Mortgage Company","doc_count":1},{"key":"GLOBAL SOLUTION BIZ LLC.","doc_count":1},{"key":"GREENSKY OPERATIONS, LLC","doc_count":1},{"key":"Genesys National Recovery, Inc.","doc_count":1},{"key":"HEAD MERCANTILE CO., INC.","doc_count":1},{"key":"HF Holdings","doc_count":1},{"key":"HUNTINGTON NATIONAL BANK, THE","doc_count":1},{"key":"Harley Davidson Financial Services Inc","doc_count":1},{"key":"Harpeth Financial Services, LLC","doc_count":1},{"key":"Hayt Hayt & Landau, P.L. (FL)","doc_count":1},{"key":"Helvey & Associates, Inc., Warsaw, IN Branch","doc_count":1},{"key":"Herbert P. Sears Co., Inc.","doc_count":1},{"key":"Hillcrest Davidson & Associates","doc_count":1},{"key":"Holloway Credit Solutions","doc_count":1},{"key":"INTERNAL CREDIT SYSTEMS, INC","doc_count":1},{"key":"IQOR US INC","doc_count":1},{"key":"Idaho Housing And Finance Association","doc_count":1},{"key":"Immediate Credit Recovery","doc_count":1},{"key":"Innovis","doc_count":1},{"key":"InvestiNet LLC","doc_count":1},{"key":"Jacob Law Group, PLLC","doc_count":1},{"key":"Javitch, Block & Rathbone LLC","doc_count":1},{"key":"Jon Barry and Associates, Inc.","doc_count":1},{"key":"Key 2 Recovery, Inc.","doc_count":1},{"key":"Key Debt Recovery, Inc.","doc_count":1},{"key":"Kovo","doc_count":1},{"key":"LAND HOME FINANCIAL SERVICES","doc_count":1},{"key":"LCI Acquisition Inc.","doc_count":1},{"key":"Larry H. Miller Group of Companies","doc_count":1},{"key":"Larsen & Associates, P.L.","doc_count":1},{"key":"Law Offices Howard Lee Schiff, P.C.","doc_count":1},{"key":"Law Offices of Robert J. Colclough, III","doc_count":1},{"key":"Leafy Financial, LLC","doc_count":1},{"key":"Lendmark Financial Services","doc_count":1},{"key":"Lentegrity Management, LLC","doc_count":1},{"key":"Linebarger Goggan Blair & Sampson LLP","doc_count":1},{"key":"LoanCare, LLC","doc_count":1},{"key":"Louisiana Recovery Services Inc.","doc_count":1},{"key":"Lyon Collection Services, Inc","doc_count":1},{"key":"M. G. Credit, Inc.","doc_count":1},{"key":"MISSION FINANCIAL SERVICES CORPORATION","doc_count":1},{"key":"MOHELA","doc_count":1},{"key":"McNeil & Meyers Asset Management Group, LLC","doc_count":1},{"key":"Media Collections, Inc","doc_count":1},{"key":"Mercedes Benz Financial Services","doc_count":1},{"key":"Merchants and Professional Bureau, Inc.","doc_count":1},{"key":"Merchants' Credit Guide Company","doc_count":1},{"key":"Mercury Financial Intermediate LLC","doc_count":1},{"key":"Messerli & Kramer P.A.","doc_count":1},{"key":"Michael & Associates, PC","doc_count":1},{"key":"Mid-America Accounts Control Bureau, Inc.","doc_count":1},{"key":"Midwest Recovery Systems","doc_count":1},{"key":"MiraMed Revenue Group LLC","doc_count":1},{"key":"Mountain Land Collections, Inc.","doc_count":1},{"key":"NCC Business Services, Inc.","doc_count":1},{"key":"NEXA Mortgage, LLC","doc_count":1},{"key":"NPAS, Inc.","doc_count":1},{"key":"National Commercial Services, Inc","doc_count":1},{"key":"National Consumer Telecom & Utilities Exchange, Inc.","doc_count":1},{"key":"National Enterprise Systems, Inc.","doc_count":1},{"key":"National Recovery Service, Inc.","doc_count":1},{"key":"Nevada Credico, Inc.","doc_count":1},{"key":"Nexum Group Inc","doc_count":1},{"key":"Northland Group Inc","doc_count":1},{"key":"Northstar Location Services, LLC","doc_count":1},{"key":"O'Currance, Inc.","doc_count":1},{"key":"ONEMAIN FINANCIAL HOLDINGS, LLC.","doc_count":1},{"key":"ORG GC GP BUYER, LLC","doc_count":1},{"key":"PATRICK A. CAREY, P.A.","doc_count":1},{"key":"PDQ Services, Inc.","doc_count":1},{"key":"PMAB,LLC","doc_count":1},{"key":"Palm Beach Credit Adjustors, Inc","doc_count":1},{"key":"Paramount GR Holdings, LLC","doc_count":1},{"key":"Paratus Partners, LLC.","doc_count":1},{"key":"Partners Financial Services Inc","doc_count":1},{"key":"PatientFi, Inc.","doc_count":1},{"key":"Pendrick Capital Partners Holding, LLC","doc_count":1},{"key":"Penn Credit Corporation","doc_count":1},{"key":"Peter Roberts & Associates, Inc.","doc_count":1},{"key":"Pressler & Pressler, LLP","doc_count":1},{"key":"Prizm Financial Company, LLC","doc_count":1},{"key":"Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch","doc_count":1},{"key":"Prosper Marketplace, Inc.","doc_count":1},{"key":"Quality Asset Recovery LLC","doc_count":1},{"key":"Quall Cardot LLP","doc_count":1},{"key":"R & B Corporation of Virginia","doc_count":1},{"key":"R.M. Galicia, Inc.","doc_count":1},{"key":"REGIONS FINANCIAL CORPORATION","doc_count":1},{"key":"RSI Enterprises, Inc.","doc_count":1},{"key":"Receivable Recovery Services, LLC","doc_count":1},{"key":"Receivables Management Corporation","doc_count":1},{"key":"Receivables Outsourcing, Inc.","doc_count":1},{"key":"Regional Management Corporation","doc_count":1},{"key":"Relin, Goldstein & Crane, LLP","doc_count":1},{"key":"Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch","doc_count":1},{"key":"RevMD Partners, LLC.","doc_count":1},{"key":"Ridge & Valley Realty, Inc.","doc_count":1},{"key":"Rocket Mortgage, LLC","doc_count":1},{"key":"Roosen, Varchetti & Olivier, PLLC","doc_count":1},{"key":"Rosebud Economic Development Corporation","doc_count":1},{"key":"SF VAGO, LLC","doc_count":1},{"key":"SIMM Associates, Inc.","doc_count":1},{"key":"SLM CORPORATION","doc_count":1},{"key":"SOFI TECHNOLOGIES, INC.","doc_count":1},{"key":"SOUTHWEST COLLECTION SERVICES INC.","doc_count":1},{"key":"SQUARETWO FINANCIAL CORPORATION","doc_count":1},{"key":"STATE EMPLOYEES CREDIT UNION","doc_count":1},{"key":"STERLING JEWELERS, INC.","doc_count":1},{"key":"SW Linear Investment Group, LLC","doc_count":1},{"key":"Santander Consumer USA Holdings Inc.","doc_count":1},{"key":"Sapphire Marketing Group, Inc.","doc_count":1},{"key":"Sarma","doc_count":1},{"key":"Second Alliance, Inc.","doc_count":1},{"key":"Second Round Limited Partnership, Austin, TX Branch","doc_count":1},{"key":"Selene Holdings LLC","doc_count":1},{"key":"Senex Services Corp.","doc_count":1},{"key":"Sentry Credit, Inc.","doc_count":1},{"key":"Sentry Recovery and Collections, Inc.","doc_count":1},{"key":"Sequoia Financial Services","doc_count":1},{"key":"Servicer under contract with Federal Student Aid","doc_count":1},{"key":"Servicing Solutions, LLC","doc_count":1},{"key":"Sezzle Inc.","doc_count":1},{"key":"Silverman Theologou, LLP","doc_count":1},{"key":"Snap Recovery, Inc.","doc_count":1},{"key":"Southern Auto Finance Co","doc_count":1},{"key":"Sparrow Financial, Inc.","doc_count":1},{"key":"Specialized Collection Systems, Inc.","doc_count":1},{"key":"Statewide Credit Services Corp.","doc_count":1},{"key":"Stein Law, P.C.","doc_count":1},{"key":"Stillman, P.C. d.b.a. Stillman Law Office","doc_count":1},{"key":"Sunbit, Inc.","doc_count":1},{"key":"Sykes,Bourdon,Ahern & Levy, P.C.","doc_count":1},{"key":"Synovus Bank","doc_count":1},{"key":"TENET HEALTHCARE CORPORATION","doc_count":1},{"key":"TIDEWATER FINANCE COMPANY, INC.","doc_count":1},{"key":"Tate and Kirlin Assoc","doc_count":1},{"key":"Telerecovery Corporation","doc_count":1},{"key":"The Best Service Co.,Inc","doc_count":1},{"key":"The Lueder Law Firm, LLC","doc_count":1},{"key":"The Outsource Group, Inc","doc_count":1},{"key":"Top Asset Solutions, LLC","doc_count":1},{"key":"Transfinancial Companies, Inc","doc_count":1},{"key":"Troy Capital, LLC","doc_count":1},{"key":"UNIVERSAL COLLECTION SYSTEMS, INC","doc_count":1},{"key":"URS Holding, LLC","doc_count":1},{"key":"Unifin Inc.","doc_count":1},{"key":"United Check Recovery Bureau, Inc.","doc_count":1},{"key":"Universal Recovery Corporation","doc_count":1},{"key":"Upstart Holdings, Inc.","doc_count":1},{"key":"VANDERBILT MORTGAGE & FINANCE, INC","doc_count":1},{"key":"VIRTUOSO SOURCING GROUP, LLC.","doc_count":1},{"key":"Van Ru Credit Corporation","doc_count":1},{"key":"Viking Client Services","doc_count":1},{"key":"Voss & Klein, LLC","doc_count":1},{"key":"Westcreek Financial","doc_count":1},{"key":"Williams, Rush & Associates, LLC","doc_count":1},{"key":"Yamaha Motor Finance Corporation USA","doc_count":1}]}},"state":{"doc_count":7074,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":1170},{"key":"FL","doc_count":900},{"key":"CA","doc_count":716},{"key":"GA","doc_count":694},{"key":"NY","doc_count":403},{"key":"MI","doc_count":356},{"key":"IL","doc_count":261},{"key":"SC","doc_count":212},{"key":"NC","doc_count":184},{"key":"LA","doc_count":176},{"key":"MO","doc_count":176},{"key":"NJ","doc_count":176},{"key":"OH","doc_count":161},{"key":"PA","doc_count":148},{"key":"TN","doc_count":143},{"key":"MD","doc_count":134},{"key":"AL","doc_count":125},{"key":"VA","doc_count":113},{"key":"AZ","doc_count":108},{"key":"NV","doc_count":107},{"key":"MA","doc_count":95},{"key":"WA","doc_count":61},{"key":"IN","doc_count":54},{"key":"MN","doc_count":41},{"key":"WI","doc_count":37},{"key":"MS","doc_count":30},{"key":"AR","doc_count":28},{"key":"CO","doc_count":24},{"key":"NE","doc_count":24},{"key":"OK","doc_count":24},{"key":"KS","doc_count":22},{"key":"KY","doc_count":21},{"key":"UT","doc_count":20},{"key":"OR","doc_count":17},{"key":"CT","doc_count":15},{"key":"DE","doc_count":15},{"key":"PR","doc_count":14},{"key":"DC","doc_count":11},{"key":"NM","doc_count":9},{"key":"WY","doc_count":9},{"key":"HI","doc_count":7},{"key":"IA","doc_count":7},{"key":"NH","doc_count":6},{"key":"AK","doc_count":4},{"key":"ME","doc_count":4},{"key":"ND","doc_count":2},{"key":"WV","doc_count":2},{"key":"AE","doc_count":1},{"key":"MT","doc_count":1},{"key":"RI","doc_count":1},{"key":"SD","doc_count":1}]}},"company_public_response":{"doc_count":7074,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":3386},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":226},{"key":"Company disputes the facts presented in the complaint","doc_count":28},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":10},{"key":"Company believes complaint represents an opportunity for improvement to better serve consumers","doc_count":8},{"key":"Company can't verify or dispute the facts in the complaint","doc_count":8},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":7},{"key":"Company chooses not to provide a public response","doc_count":6},{"key":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","doc_count":3},{"key":"Company believes complaint is the result of an isolated error","doc_count":1}]}},"tags":{"doc_count":7074,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":472},{"key":"Older American","doc_count":93},{"key":"Older American, Servicemember","doc_count":7}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[15.294579,"14511494"],"3":[14.941919,"15119612"],"4":[14.628262,"15531606"],"5":[14.404167,"18579828"],"6":[14.235425,"21511431"],"7":[14.076887,"14183759"],"8":[14.024803,"17999826"]}}}