{"took":221,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7227,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12434383","_score":18.44725,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint regarding unauthorized and improperly reported credit inquiries that have appeared on my credit report. I recently identified several inquiries that I have no knowledge of and for which no documented proof of a valid permissible purpose has been provided. Additionally, these inquiries appear to lack certified compliance with reporting standards, including the required METRO 2 format. \n\nAs a consumer, I have the right to demand that only verifiable, documented, and fully compliant credit reporting be maintained on my report. Therefore, I am formally challenging any deficiencies in reporting or lack of proof of compliance. Any claim that does not meet the mandatory verification, validity, or compliance standards must be removed immediately.","date_sent_to_company":"2025-03-12T18:00:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76006","tags":null,"has_narrative":true,"complaint_id":"12434383","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-12T17:56:56.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As a consumer, I have the right to demand that only verifiable, <em>documented</em>, and fully compliant credit <em>reporting</em> be maintained on my <em>report</em>. Therefore, I am formally challenging any deficiencies in <em>reporting</em> or lack of <em>proof</em> of <em>compliance</em>. Any claim that does not meet the mandatory verification, validity, or <em>compliance</em> <em>standards</em> must be removed immediately."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[18.44725,"12434383"]},{"_index":"complaint-public-v1","_id":"12446836","_score":18.439798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint regarding unauthorized and improperly reported credit inquiries that have appeared on my credit report. I recently identified several inquiries that I have no knowledge of and for which no documented proof of a valid permissible purpose has been provided. Additionally, these inquiries appear to lack certified compliance with reporting standards, including the required XXXX XXXX format. \n\nAs a consumer, I have the right to demand that only verifiable, documented, and fully compliant credit reporting be maintained on my report. Therefore, I am formally challenging any deficiencies in reporting or lack of proof of compliance. Any claim that does not meet the mandatory verification, validity, or compliance standards must be removed immediately.","date_sent_to_company":"2025-03-12T18:04:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76006","tags":null,"has_narrative":true,"complaint_id":"12446836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-12T18:00:45.000Z","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":["As a consumer, I have the right to demand that only verifiable, <em>documented</em>, and fully compliant credit <em>reporting</em> be maintained on my <em>report</em>. Therefore, I am formally challenging any deficiencies in <em>reporting</em> or lack of <em>proof</em> of <em>compliance</em>. Any claim that does not meet the mandatory verification, validity, or <em>compliance</em> <em>standards</em> must be removed immediately."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[18.439798,"12446836"]},{"_index":"complaint-public-v1","_id":"10230042","_score":17.18058,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified XXXX XXXX format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ). \n\nXXXX - XXXX I regret to express my disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency necessitates the immediate deletion of the flawed report. Failure to comply may result in legal action for non-compliance with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications. \n\nXXXX XXXX XXXX - XXXX I regret to express my disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency necessitates the immediate deletion of the flawed report. Failure to comply may result in legal action for non-compliance with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications. \n\nXXXX XXXX XXXX - XXXX I regret to express my disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency necessitates the immediate deletion of the flawed report. Failure to comply may result in legal action for non-compliance with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications. \n\nXXXX XXXX XXXX - XXXX I request that you immediately refrain from reporting any injurious aspects of the allegations for the account details noted below. is unfairly, not certifiably compliant, or unlawfully reported. Therefore, I demand that you delete any item alleging derogatory conditioned late payments immediately, as required by law. \n\nXXXX XXXX CO XXXX It is imperative to note that any inconsistency, incompleteness, inaccuracy or omission in the reported item is a deviation from the mandatory industry standards for reporting compliance, as per the XXXX XXXX Data-filled Field Formatted reporting compliance standards. Any deviation from these standards could potentially jeopardize the integrity of the data ( as stated in XXXX XXXX XXXX ), and therefore, the accuracy of the reported item is subject to lawful scrutiny until all aspects of the claim are factually confirmed to be true, correct, complete, timely, physically verifiable, and otherwise undeniably valid, particularly if not compliant with the above 4 of 6 mentioned XXXX XXXX formatted industry requirements. We respectfully request your attention to the following suspect reported data fields alleged for this now contested reported item of injury.","date_sent_to_company":"2024-09-24T16:06:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75224","tags":null,"has_narrative":true,"complaint_id":"10230042","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-24T15:39:53.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["XXXX - XXXX I regret to express my disappointment regarding the absence of <em>documented</em> <em>proof</em> of <em>compliance</em> with <em>reporting</em> <em>standards</em> and consumer laws. This deficiency necessitates the immediate deletion of the flawed <em>report</em>. Failure to comply may result in legal action for non-<em>compliance</em> with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Report</em> provided to employer without your written authorization"]},"sort":[17.18058,"10230042"]},{"_index":"complaint-public-v1","_id":"10224926","_score":17.166857,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ). \n\nXXXX - XXXX I regret to express my disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency necessitates the immediate deletion of the flawed report. Failure to comply may result in legal action for non-compliance with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications. \n\nXXXX XXXX XXXX - XXXX I regret to express my disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency necessitates the immediate deletion of the flawed report. Failure to comply may result in legal action for non-compliance with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications. \n\nXXXX XXXX XXXX - XXXX I regret to express my disappointment regarding the absence of documented proof of compliance with reporting standards and consumer laws. This deficiency necessitates the immediate deletion of the flawed report. Failure to comply may result in legal action for non-compliance with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications. \n\nXXXX XXXX XXXX XXXX XXXXXXXX I request that you immediately refrain from reporting any injurious aspects of the allegations for the account details noted below. is unfairly, not certifiably compliant, or unlawfully reported. Therefore, I demand that you delete any item alleging derogatory conditioned late payments immediately, as required by law. \n\nXXXX XXXX XXXX XXXXXXXXXXXX It is imperative to note that any inconsistency, incompleteness, inaccuracy or omission in the reported item is a deviation from the mandatory industry standards for reporting compliance, as per the Metro 2 Data-filled Field Formatted reporting compliance standards. Any deviation from these standards could potentially jeopardize the integrity of the data ( as stated in XXXX XXXX XXXX ), and therefore, the accuracy of the reported item is subject to lawful scrutiny until all aspects of the claim are factually confirmed to be true, correct, complete, timely, physically verifiable, and otherwise undeniably valid, particularly if not compliant with the above 4 of 6 mentioned Metro 2 formatted industry requirements. We respectfully request your attention to the following suspect reported data fields alleged for this now contested reported item of injury.","date_sent_to_company":"2024-09-24T16:06:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75224","tags":null,"has_narrative":true,"complaint_id":"10224926","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-24T16:06:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["XXXX - XXXX I regret to express my disappointment regarding the absence of <em>documented</em> <em>proof</em> of <em>compliance</em> with <em>reporting</em> <em>standards</em> and consumer laws. This deficiency necessitates the immediate deletion of the flawed <em>report</em>. Failure to comply may result in legal action for non-<em>compliance</em> with the specified requirements. It is imperative that we possess accurate information from documentaries to avoid future complications."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Report</em> provided to employer without your written authorization"]},"sort":[17.166857,"10224926"]},{"_index":"complaint-public-v1","_id":"8430564","_score":16.76827,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately.","date_sent_to_company":"2024-02-27T20:59:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75212","tags":null,"has_narrative":true,"complaint_id":"8430564","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-27T20:59:20.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["You must provide <em>documented</em> <em>proof</em> of <em>compliance</em> <em>reporting</em> <em>standards</em> and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[16.76827,"8430564"]},{"_index":"complaint-public-v1","_id":"8430346","_score":16.76827,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately.","date_sent_to_company":"2024-02-27T20:59:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75212","tags":null,"has_narrative":true,"complaint_id":"8430346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-27T20:26:35.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["You must provide <em>documented</em> <em>proof</em> of <em>compliance</em> <em>reporting</em> <em>standards</em> and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[16.76827,"8430346"]},{"_index":"complaint-public-v1","_id":"7540228","_score":16.641294,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. \n\n2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.\n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-09-12T15:51:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95209","tags":null,"has_narrative":true,"complaint_id":"7540228","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-12T15:48:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Lack of <em>Documented</em> <em>Proof</em> : Despite my attempts to contest the <em>reported</em> information, Transunion has not provided sufficient <em>documented</em> <em>proof</em> confirming the accuracy and <em>compliance</em> of the negative claims asserted against me. As a consumer, I have the right to demand evidence of <em>reporting</em> appropriateness and adherence to regulatory requirements."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.641294,"7540228"]},{"_index":"complaint-public-v1","_id":"7538971","_score":16.641294,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Equifax in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices.\n\nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Equifax has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.\n\n2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Equifax may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Equifax has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-09-12T15:47:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95209","tags":null,"has_narrative":true,"complaint_id":"7538971","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-12T15:42:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Lack of <em>Documented</em> <em>Proof</em> : Despite my attempts to contest the <em>reported</em> information, Equifax has not provided sufficient <em>documented</em> <em>proof</em> confirming the accuracy and <em>compliance</em> of the negative claims asserted against me. As a consumer, I have the right to demand evidence of <em>reporting</em> appropriateness and adherence to regulatory requirements."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.641294,"7538971"]},{"_index":"complaint-public-v1","_id":"7598464","_score":16.639133,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. \n\n2. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-09-24T14:58:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95307","tags":null,"has_narrative":true,"complaint_id":"7598464","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-24T14:56:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Lack of <em>Documented</em> <em>Proof</em> : Despite my attempts to contest the <em>reported</em> information, Experian has not provided sufficient <em>documented</em> <em>proof</em> confirming the accuracy and <em>compliance</em> of the negative claims asserted against me. As a consumer, I have the right to demand evidence of <em>reporting</em> appropriateness and adherence to regulatory requirements."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.639133,"7598464"]},{"_index":"complaint-public-v1","_id":"7540283","_score":16.634174,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.\n\n2. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-09-12T15:41:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95209","tags":null,"has_narrative":true,"complaint_id":"7540283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-12T15:21:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Lack of <em>Documented</em> <em>Proof</em> : Despite my attempts to contest the <em>reported</em> information, Experian has not provided sufficient <em>documented</em> <em>proof</em> confirming the accuracy and <em>compliance</em> of the negative claims asserted against me. As a consumer, I have the right to demand evidence of <em>reporting</em> appropriateness and adherence to regulatory requirements."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.634174,"7540283"]},{"_index":"complaint-public-v1","_id":"7598457","_score":16.611462,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. \n\n2. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-09-24T15:01:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95307","tags":null,"has_narrative":true,"complaint_id":"7598457","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-24T14:58:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Lack of <em>Documented</em> <em>Proof</em> : Despite my attempts to contest the <em>reported</em> information, Transunion has not provided sufficient <em>documented</em> <em>proof</em> confirming the accuracy and <em>compliance</em> of the negative claims asserted against me. As a consumer, I have the right to demand evidence of <em>reporting</em> appropriateness and adherence to regulatory requirements."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.611462,"7598457"]},{"_index":"complaint-public-v1","_id":"7597596","_score":16.611462,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Equifax in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Equifax has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. \n\n2. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Equifax may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.\n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Equifax has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-09-24T14:55:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95307","tags":null,"has_narrative":true,"complaint_id":"7597596","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-24T14:42:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Lack of <em>Documented</em> <em>Proof</em> : Despite my attempts to contest the <em>reported</em> information, Equifax has not provided sufficient <em>documented</em> <em>proof</em> confirming the accuracy and <em>compliance</em> of the negative claims asserted against me. As a consumer, I have the right to demand evidence of <em>reporting</em> appropriateness and adherence to regulatory requirements."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.611462,"7597596"]},{"_index":"complaint-public-v1","_id":"7468431","_score":16.611462,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint against Transunion Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. \n\nXXXX. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\nXXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-08-26T17:11:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33967","tags":null,"has_narrative":true,"complaint_id":"7468431","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-26T16:53:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Lack of <em>Documented</em> <em>Proof</em> : Despite my attempts to contest the <em>reported</em> information, Transunion has not provided sufficient <em>documented</em> <em>proof</em> confirming the accuracy and <em>compliance</em> of the negative claims asserted against me. As a consumer, I have the right to demand evidence of <em>reporting</em> appropriateness and adherence to regulatory requirements."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.611462,"7468431"]},{"_index":"complaint-public-v1","_id":"7457833","_score":16.611462,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint against Experian Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \nMy primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.\n\n2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.\n\n3. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.","date_sent_to_company":"2023-08-26T16:53:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33967","tags":null,"has_narrative":true,"complaint_id":"7457833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-26T16:49:59.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Lack of <em>Documented</em> <em>Proof</em> : Despite my attempts to contest the <em>reported</em> information, Experian has not provided sufficient <em>documented</em> <em>proof</em> confirming the accuracy and <em>compliance</em> of the negative claims asserted against me. As a consumer, I have the right to demand evidence of <em>reporting</em> appropriateness and adherence to regulatory requirements."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.611462,"7457833"]},{"_index":"complaint-public-v1","_id":"8726079","_score":16.404318,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately! \nAlso, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. \n\nattach you will see documents","date_sent_to_company":"2024-04-08T18:06:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33178","tags":null,"has_narrative":true,"complaint_id":"8726079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2024-04-08T18:01:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The inaccurate information above was never verified to be in line with official <em>reporting</em> <em>standards</em>. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide <em>proof</em> of <em>compliance</em> with <em>reporting</em> <em>standards</em> and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately! \nAlso, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX )."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[16.404318,"8726079"]},{"_index":"complaint-public-v1","_id":"10031274","_score":16.395678,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm disappointed they have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters","date_sent_to_company":"2024-09-05T17:46:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17701","tags":null,"has_narrative":true,"complaint_id":"10031274","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-05T17:45:57.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I'm disappointed they have not been able to provide me with any <em>documented</em> <em>proof</em> of <em>compliance</em> <em>reporting</em> <em>standards</em> and applicable consumer laws. I demanded that this flawed, inaccurate <em>report</em> be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[16.395678,"10031274"]},{"_index":"complaint-public-v1","_id":"10031272","_score":16.373678,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm disappointed they have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters","date_sent_to_company":"2024-09-05T17:46:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17701","tags":null,"has_narrative":true,"complaint_id":"10031272","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-05T17:45:57.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I'm disappointed they have not been able to provide me with any <em>documented</em> <em>proof</em> of <em>compliance</em> <em>reporting</em> <em>standards</em> and applicable consumer laws. I demanded that this flawed, inaccurate <em>report</em> be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[16.373678,"10031272"]},{"_index":"complaint-public-v1","_id":"10027320","_score":16.373678,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm disappointed they have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters","date_sent_to_company":"2024-09-05T17:45:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17701","tags":null,"has_narrative":true,"complaint_id":"10027320","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-05T17:34:21.000Z","state":"PA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I'm disappointed they have not been able to provide me with any <em>documented</em> <em>proof</em> of <em>compliance</em> <em>reporting</em> <em>standards</em> and applicable consumer laws. I demanded that this flawed, inaccurate <em>report</em> be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[16.373678,"10027320"]},{"_index":"complaint-public-v1","_id":"8025196","_score":16.36678,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint due to unresolved inaccuracies in my credit report related to two accounts with USAA Federal Savings Bank, as reported to XXXX. The reports contain incorrect information and do not comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. \n\nRequest for Review : I have requested USAA to review their data to ensure accuracy according to FCRA and XXXX XXXX compliance standards, including the permissible purpose and accurate sourcing of any inquiries within my credit profile.\n\nChallenged Accounts : The accounts being challenged are listed as USAA FEDERAL SAVINGS XXXX ( XXXX ) - ( XXXX ) XXXX and XXXX. \nSpecific Discrepancies : Key concerns include incorrect payment status reported as 'CollectionOrChargeOff, ' discrepancies in 'Date Opened, ' and 'Account Status ' reported as closed. These inaccuracies deviate from the required XXXX XXXX reporting standards. \nDemand for Compliance and Accuracy : I have demanded documented proof of compliance with reporting standards and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of compliance. \nIssues with Dispute Status : The dispute status expressed as 'N ' is challenged for its accuracy and compliance with regulatory mandates for credit reporting. \nCall for Immediate Action : If USAA Federal Savings Bank fails to provide evidence of compliance and does not correct these inaccuracies, I have stated my intention to pursue legal action. \nI am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by USAA Federal Savings Bank and to uphold the standards set by the FCRA and XXXX XXXX.","date_sent_to_company":"2023-12-19T22:15:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32168","tags":"Servicemember","has_narrative":true,"complaint_id":"8025196","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2023-12-19T22:12:26.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Specific Discrepancies : Key concerns include incorrect payment status <em>reported</em> as 'CollectionOrChargeOff, ' discrepancies in 'Date Opened, ' and 'Account Status ' <em>reported</em> as closed. These inaccuracies deviate from the required XXXX XXXX <em>reporting</em> <em>standards</em>. \nDemand for <em>Compliance</em> and Accuracy : I have demanded <em>documented</em> <em>proof</em> of <em>compliance</em> with <em>reporting</em> <em>standards</em> and consumer protection laws. The data provided is incomplete, inaccurate, not up-to-date, and lacks evidence of <em>compliance</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[16.36678,"8025196"]},{"_index":"complaint-public-v1","_id":"14355310","_score":16.36543,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against TransUnion for maintaining inaccurate, unverified, and non-compliant information on my credit report, as well as an unauthorized inquiry, which are obstructing my ability to secure financing. Despite my repeated requests to TransUnion to correct or remove these inaccuracies, the issues remain unresolved, violating the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and Metro 2 reporting standards. Below are the details of the disputed accounts, unauthorized inquiry, and personal information inaccuracies, along with my concerns : Disputed Accounts XXXX XXXX XXXX XXXX ( Account Number Ending in XXXX XXXX XXXX XXXX XXXX XXXX Issue : Listed as CollectionOrChargeOff with a Date Opened of XXXX, Date of Last Activity of XXXX, and a Balance Owed of {$83000.00}. Account Description is \" Individual, '' Creditor Type is \" CollectionServices, '' and Account Status is \" Open. '' The reported balance ( {$83000.00} ), Account Status ( \" Open '' ), and CollectionOrChargeOff rating are inaccurate and unverified, violating 15 U.S.C. 1681i and Metro 2 standards. \n\nNo proof has been provided to substantiate the {$83000.00} debt, as required by legal precedents such as XXXX v. XXXX, XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nThe Account Description ( \" Individual '' ) and other fields deviate from CDIA Metro 2 standards.\n\nRequest : Delete this account from my credit report and provide documented proof of the {$83000.00} balance and compliance with FCRA and Metro 2 standards. \n\nXXXX XXXX XXXX ( Account Number Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Listed as CollectionOrChargeOff with an Account Status of \" Open. '' The accounts accuracy is unverified, and the data is inconsistent with CDIA Metro 2 standards, lacking proof of compliance with FCRA regulations.\n\nTransUnion has not provided documentation to substantiate the accounts details or balance.\n\nRequest : Delete this account from my credit report and provide documented proof of its accuracy and compliance with FCRA and Metro 2 standards. \nXXXX XXXX XXXXXXXX ( Account Number Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as CollectionOrChargeOff with a Date Opened of XXXX, Date of Last Activity of XXXX, Last Verified on XXXX, and a Balance Owed of {$1100.00}. Creditor Type is \" CollectionServices, '' and Account Status is \" Open. '' The reported balance ( {$1100.00} ), CollectionOrChargeOff rating, and dates are inaccurate and unverified, deviating from Metro 2 standards.\n\nNo documentation has been provided to prove I owe this amount, impacting my ability to secure car loans or refinance my mortgage. \nRequest : Delete this account from my credit report and provide documented proof of the {$1100.00} balance and compliance with FCRA and Metro 2 standards. \nXXXX XXXX XXXX  ( Account Number Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Listed as CollectionOrChargeOff with an Account Status of \" Closed '' and Creditor Remarks of \" DISPUTED BY CONSUMER. '' The CollectionOrChargeOff rating and other account details are inaccurate and lack verification, violating FCRA and Metro 2 standards.\n\nNo supporting documentation has been provided to confirm the accounts accuracy. \n\nRequest : Delete this account from my credit report and provide documented proof of its accuracy and compliance with FCRA and Metro 2 standards. \nXXXX XXXX XXXX ( Account Number Ending in XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Listed as CollectionOrChargeOff with a Date Opened of XXXX, Date of Last Activity of XXXX, and a High Balance of {$390.00}. Account Description is \" Individual. '' The reported balance ( {$390.00} ), CollectionOrChargeOff rating, and dates are inaccurate and unverified, deviating from Metro 2 standards.\n\nNo documentation has been provided to prove I owe this amount, hindering my credit improvement goals. \nRequest : Delete this account from my credit report and provide documented proof of the {$390.00} balance and compliance with FCRA and Metro 2 standards. \nXXXX  ( Account Number Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as CollectionOrChargeOff with a Date Opened of XXXX, Date of Last Activity of XXXX, and a Balance Owed of {$230.00}. Account Description is \" Individual. '' The reported balance ( {$230.00} ), CollectionOrChargeOff rating, and dates are inaccurate and unverified, violating 15 U.S.C. 1681i and Metro 2 standards. \n\nNo proof has been provided to substantiate the {$230.00} debt. \n\nRequest : Delete this account from my credit report and provide documented proof of the {$230.00} balance and compliance with FCRA and Metro 2 standards. \n\nXXXXXXXX XXXX XXXX Account Number Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as CollectionOrChargeOff with a Date Opened of XXXX, Date of Last Activity of XXXX, Last Verified on XXXX, and a Balance Owed of {$14.00}. \nThe reported balance ( {$14.00} ), CollectionOrChargeOff rating, and dates are inaccurate and unverified, deviating from Metro 2 standards.\n\nNo documentation has been provided to prove I owe this amount, impacting my financing options. \n\nRequest : Delete this account from my credit report and provide documented proof of the {$14.00} balance and compliance with FCRA and Metro 2 standards. \n\nDisputed Inquiry XXXX  XXXX ( Inquiry Date : XXXX ) Issue : An unauthorized inquiry was made without my consent. \n\nConcerns : This violates FCRA guidelines, as no documentation has been provided to show a permissible purpose for the inquiry. \n\nRequest : Remove the inquiry from my credit report and provide proof of authorization under FCRA. \n\nDisputed Personal Information Name : Issue : My credit report may list names other than \" XXXX XXXX. '' Concerns : Any variation from my legal name, XXXX XXXX, is inaccurate and non-compliant with FCRA standards. \nRequest : Remove any names that do not match \" XXXX XXXX '' from my credit report. \nAddress : Issue : My credit report lists an incorrect address ( XXXX XXXX XXXX, XXXX, TN XXXX ). \nConcerns : My correct address is XXXX XXXX XXXX, XXXX, TN XXXX. Incorrect addresses violate FCRA accuracy requirements. \n\nRequest : Update my address to XXXX XXXX XXXX, XXXX, TN XXXX, and remove any other addresses. \n\nAdditional Concerns TransUnions practice of sending generic form letters in response to my disputes violates 15 U.S.C. 1681i, which requires individualized investigations of consumer disputes. \n\nLack of Verification : TransUnion has failed to provide tangible proof of compliance with FCRA and Metro 2 standards for the disputed accounts, as emphasized in XXXX XXXX Trans Union Corp. ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX Cir. XXXX ). \n\nXXXX XXXX XXXX XXXX ( Account Number Ending in XXXX XXXX XXXX XXXX ) from Previous Document : * * referenced a XXXX XXXX XXXX XXXX account with a Payment Status of \" Late 60 Days, '' a Balance Owed of {$80.00}, and a Credit Limit of {$480.00}. Since this account was not listed in the new document, it is unclear if it is still disputed. If applicable, please confirm if this account should be included, and I can add it to the complaint. \nUnder the FCRA ( 15 U.S.C. 1681 ), TransUnion is obligated to ensure the accuracy and completeness of credit report information and to conduct thorough investigations of disputed items. Legal precedents, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Trans Union Corp., and XXXX XXXX XXXX, XXXX, emphasize that credit reporting agencies must verify disputed information accurately and can not rely solely on unverified data. Metro 2 standards, as established by the CDIA, mandate precise and compliant reporting of all account details. TransUnions failure to provide verifiable documentation or correct these inaccuracies violates these regulations.","date_sent_to_company":"2025-06-29T21:30:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37217","tags":null,"has_narrative":true,"complaint_id":"14355310","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-29T21:20:44.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Request : Delete this account from my credit <em>report</em> and provide <em>documented</em> <em>proof</em> of the {$1100.00} balance and <em>compliance</em> with FCRA and Metro 2 <em>standards</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.36543,"14355310"]},{"_index":"complaint-public-v1","_id":"8178758","_score":16.308077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've observed multiple deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the data in my report. I dispute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report.\n\nUnder 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) requires furnishers to provide information that is both accurate and has integrity, conducting reasonable investigations of consumer disputes.\n\nDeviation from Metro 2 compliance standards, as outlined in the XXXX, jeopardizes the integrity of the data and can affect the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccurate and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. \n\nIt is unfair for you to report information that lacks confirmation of its ethical nature and compliance with certified reporting standards. I challenge these claims and request proof of proper reporting standards.\n\nYour actions are violating my rights, and I have outlined concerns about your reporting in this document. If not addressed in compliance with FCRA/Metro 2 standards, I will escalate these issues to the CFPB, FTC, and my Attorney General.","date_sent_to_company":"2024-01-18T18:10:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94124","tags":null,"has_narrative":true,"complaint_id":"8178758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-18T18:10:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I challenge these claims and request <em>proof</em> of proper <em>reporting</em> <em>standards</em>.\n\nYour actions are violating my rights, and I have outlined concerns about your <em>reporting</em> in this <em>document</em>. If not addressed in <em>compliance</em> with FCRA/Metro 2 <em>standards</em>, I will escalate these issues to the CFPB, FTC, and my Attorney General."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[16.308077,"8178758"]},{"_index":"complaint-public-v1","_id":"8178466","_score":16.30358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've observed multiple deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the data in my report. I dispute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report. \n\nUnder 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) requires furnishers to provide information that is both accurate and has integrity, conducting reasonable investigations of consumer disputes.\n\nDeviation from Metro 2 compliance standards, as outlined in the CRRG, jeopardizes the integrity of the data and can affect the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccurate and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.\n\nIt is unfair for you to report information that lacks confirmation of its ethical nature and compliance with certified reporting standards. I challenge these claims and request proof of proper reporting standards.\n\nYour actions are violating my rights, and I have outlined concerns about your reporting in this document. If not addressed in compliance with FCRA/Metro 2 standards, I will escalate these issues to the CFPB, FTC, and my Attorney General.","date_sent_to_company":"2024-01-18T18:10:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94124","tags":null,"has_narrative":true,"complaint_id":"8178466","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-18T18:05:52.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I challenge these claims and request <em>proof</em> of proper <em>reporting</em> <em>standards</em>.\n\nYour actions are violating my rights, and I have outlined concerns about your <em>reporting</em> in this <em>document</em>. If not addressed in <em>compliance</em> with FCRA/Metro 2 <em>standards</em>, I will escalate these issues to the CFPB, FTC, and my Attorney General."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[16.30358,"8178466"]},{"_index":"complaint-public-v1","_id":"8178439","_score":16.30358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've observed multiple deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the data in my report. I dispute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report. \n\nUnder 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) requires furnishers to provide information that is both accurate and has integrity, conducting reasonable investigations of consumer disputes.\n\nDeviation from Metro 2 compliance standards, as outlined in the CRRG, jeopardizes the integrity of the data and can affect the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccurate and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. \n\nIt is unfair for you to report information that lacks confirmation of its ethical nature and compliance with certified reporting standards. I challenge these claims and request proof of proper reporting standards. \n\nYour actions are violating my rights, and I have outlined concerns about your reporting in this document. If not addressed in compliance with FCRA/Metro 2 standards, I will escalate these issues to the CFPB, FTC, and my Attorney General.","date_sent_to_company":"2024-01-18T18:10:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94124","tags":null,"has_narrative":true,"complaint_id":"8178439","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-18T18:10:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I challenge these claims and request <em>proof</em> of proper <em>reporting</em> <em>standards</em>. \n\nYour actions are violating my rights, and I have outlined concerns about your <em>reporting</em> in this <em>document</em>. If not addressed in <em>compliance</em> with FCRA/Metro 2 <em>standards</em>, I will escalate these issues to the CFPB, FTC, and my Attorney General."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[16.30358,"8178439"]},{"_index":"complaint-public-v1","_id":"9461042","_score":16.285889,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nAccording to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.\n\nFurnish information about accounts or other relationships with an accurate consumer.\n\nC - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.\n\nAlso as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.\n\nTherefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. The FTC is investigating this. DELETE! \n\nXXXX XXXX  - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. The FTC is investigating this. DELETE! \n\nXXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. The FTC is investigating this. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. The FTC is investigating this. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. The FTC is investigating this. DELETE! \n\nXXXX XXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. The FTC is investigating this. DELETE! \n\nXXXX XXXX XXXX XXXX XXXX XXXX  My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. The FTC is investigating this. DELETE!","date_sent_to_company":"2024-07-09T21:11:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60181","tags":null,"has_narrative":true,"complaint_id":"9461042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-09T21:05:06.000Z","state":"IL","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":["Its NOT FAIR for you to <em>report</em> information that isnt confirmed to be ethical and meets the <em>standards</em> of certified <em>reporting</em>. Again, I am challenging these claims and asking for <em>proof</em> of the proper <em>reporting</em> <em>standards</em>. You are violating my rights! I have listed the concerns about your <em>reporting</em> in this <em>document</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.285889,"9461042"]},{"_index":"complaint-public-v1","_id":"7492520","_score":16.269989,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. \n\nAlso, Experian said they investigated my claim and have \" verified '' my inquiries only but they are still reporting inaccurate information My primary complaints are as follows : XXXX. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. \n\nXXXX. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX  XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. \n\nXXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements","date_sent_to_company":"2023-09-02T16:56:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90066","tags":null,"has_narrative":true,"complaint_id":"7492520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-02T16:45:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I am concerned that Experian may not be adhering to these established <em>standards</em>, which raises questions about the credibility and reliability of the <em>reported</em> information. \n\nXXXX. Lack of <em>Documented</em> <em>Proof</em> : Despite my attempts to contest the <em>reported</em> information, Experian has not provided sufficient <em>documented</em> <em>proof</em> confirming the accuracy and <em>compliance</em> of the negative claims asserted against me."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[16.269989,"7492520"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":7227,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":7227}]}},"product":{"doc_count":7227,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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