{"took":288,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2585,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6291439","_score":16.815561,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The attached document coming from your agency does NOT MATCH my personal credit file account information.","date_sent_to_company":"2022-12-07T21:49:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"26003","tags":null,"has_narrative":true,"complaint_id":"6291439","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-12-07T21:46:06.000Z","state":"WV","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["The attached document coming from your agency does NOT MATCH my personal credit file account information."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"sub_issue":["Personal information incorrect"]},"sort":[16.815561,"6291439"]},{"_index":"complaint-public-v1","_id":"2073519","_score":16.424568,"_source":{"product":"Credit card","complaint_what_happened":"i am trying to get a fraudulent card company off my credit report because i am a victim of id theft and the company wont do anything because my information matches my public record witch OK if your a victim of id theft your information is going to match you public record thats why its called id theft. the company is barclaycard us which i was told by XXXX that they wont remove the account be cause everything matched my public record if they can show me the application with my signature on it saying that i signed up then fine i have to pay it but if they cant by law they have to get rid of the file/account.","date_sent_to_company":"2016-08-21T01:39:37.000Z","issue":"Closing/Cancelling account","sub_product":null,"zip_code":"84015","tags":null,"has_narrative":true,"complaint_id":"2073519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2016-08-21T01:39:37.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["i am trying to get a fraudulent card company off my credit report because i am a victim of id theft and the company wont do anything because my information matches my public record witch OK if your a victim of id theft your information is going to match you public record thats why its called id theft. the company is barclaycard us which i was told by XXXX that they wont remove the account be cause everything matched my public record if they can show me the application with my signature on it saying"],"product":["Credit card"]},"sort":[16.424568,"2073519"]},{"_index":"complaint-public-v1","_id":"5683945","_score":16.259325,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2022, LexisNexis. Public records information is inaccurate. I understand that LexisNexis does not match bankruptcy information to consumer credit files for XXXX. XXXX performs this matching. As LexisNexis has stated in a document I attached. \n\nXXXX has given LexisNexis a erroneous match. The address that XXXX match with LexisNexis is inaccurate. \n\nI have never resided or lived at the address that LexisNexis was matched to by XXXX. Document attached. \n\nThe address is NOT on my XXXX, XXXX, or XXXX credit reports. Therefore XXXX is clearly violating the Fair Credit Reporting Act.\n\nAs the law requires I am notifing L\n\nexisNexis that the match is erroneous and inaccurate as the law states. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. Several people in the United states have the same name and last four digits reporting on a credit report but not the same address at same time. THE NAME, SOCIAL SECURITY, AND ADDRESS MUST MATCH. IF NOT THE INFORMATION IS INACCURATE. Please reinvestigate the bankruptcy match again. Thank you for your help in this matter.","date_sent_to_company":"2022-06-18T18:15:09.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"29730","tags":"Servicemember","has_narrative":true,"complaint_id":"5683945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2022-06-18T17:21:52.000Z","state":"SC","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Public records information is inaccurate. I understand that LexisNexis does not match bankruptcy information to consumer credit files for XXXX. XXXX performs this matching. As LexisNexis has stated in a document I attached. \n\nXXXX has given LexisNexis a erroneous match. The address that XXXX match with LexisNexis is inaccurate. \n\nI have never resided or lived at the address that LexisNexis was matched to by XXXX. Document attached. \n\nThe address is NOT on my XXXX, XXXX, or XXXX credit reports."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_issue":["Public record information inaccurate"]},"sort":[16.259325,"5683945"]},{"_index":"complaint-public-v1","_id":"2944771","_score":16.222475,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have not once been able to view the results of the disputes I have filed against Equifax. I get a courtesy email Dear XXXX XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. \n\n\nView Now! \nYou may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX When I try to click on the link to view the results, I fill out all the information about me to correctly. Then Equifax ask 5 or 6 questions about information that it says that I have credit cards etc. on certain dates which is totally bogus. I answer \" none of the above '' to every one of the questions.\n\nI then try to get the results of my dispute and Equifax claims that the information in their file does not match the response I supplied. \nEQUIFAX is keeping me from accessing information on my disputes. They have done this EVERY time I have tried to get information from them. I want Equifax to give me the access to my disputes and quit denying me access to the information that I have every right to have access. \nThey initially got a denial to get a small personal loan. On the rejection letter, Equifax only showed 2 items on my credit report and stated to XXXX that I had \" NO CREDIT SCORE ''. If I don't have a credit score and only show 2 items on my credit report, HOW IN THE XXXX ARE THEY SAYING THAT MY INFORMATION DOES NOT MATCH WHAT IS IN THEIR SYSTEM. This is bogus. They are just claiming that the information I provide does not match the information in their system in order to keep me from getting the results of my dispute.\n\nThis is their response to accessing the dispute on-line ...\n\nWe are currently unable to process your request!\n\nThe information you have provided does not match our records ; therefore we are unable to process your request online.\n\nPlease try again later or submit your request via our secure Web Email dispute form.\n\nThen I click on the link to do a Web Email dispute. I submit it and get the same XXXX story over and over and over again and again and again.","date_sent_to_company":"2018-06-24T23:37:11.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"272XX","tags":null,"has_narrative":true,"complaint_id":"2944771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-06-24T22:59:20.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They are just claiming that the information I provide does not match the information in their system in order to keep me from getting the results of my dispute.\n\nThis is their response to accessing the dispute on-line ...\n\nWe are currently unable to process your request!\n\nThe information you have provided does not match our records ; therefore we are unable to process your request online.\n\nPlease try again later or submit your request via our secure Web Email dispute form."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[16.222475,"2944771"]},{"_index":"complaint-public-v1","_id":"4386528","_score":16.198254,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act & Section 168 of FCRA the following item listed below does NOT match my records nor the Credit Bureaus records. Under this same Act this information must be DELETED at once from my Credit Report.\n\nI recently obtained a copy of my consumer credit report from your Bureau and hereby dispute the completeness and accuracy of the following information. I demand that your Bureau correct this information immediately. The information I am disputing is as follows : The Bankruptcy is being reporting incorrectly. Your Agency is reporting a Chapter ( XXXX ) Bankruptcy. That is incorrect and should be Deleted Immediately. \nUnder Section 168 of the FCRA this info does NOT match the records of both your Credit Agency and my own Files. Therefore, this item must be deleted under law. \n\nFurthermore, the bankruptcy was removed from the other agencies due to the information received from XXXX XXXX of identity theft.","date_sent_to_company":"2021-05-18T19:57:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"4386528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-05-18T19:50:56.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act & Section 168 of FCRA the following item listed below does NOT match my records nor the Credit Bureaus records. Under this same Act this information must be DELETED at once from my Credit Report.\n\nI recently obtained a copy of my consumer credit report from your Bureau and hereby dispute the completeness and accuracy of the following information. I demand that your Bureau correct this information immediately."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"sub_issue":["Public record information inaccurate"]},"sort":[16.198254,"4386528"]},{"_index":"complaint-public-v1","_id":"3372611","_score":16.05825,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hi, THURSDAY, XX/XX/2019 I tried to order my first credit report online today. \n\nI went through XXXX XXXX first. When I was trying to set up an account with them, I received a notification that impeded me from moving forward. It read : \" Your personal information doesn't match with credit bureau records. '' To my knowledge, the information I was providing to them was and should be correct. \n\nI filed a complaint email to XXXX XXXX to seek a solution. Their response was that my information did not match up with the file TransUnion had on me. \n\nSo I contacted TransUnion, spoke to one of their representatives ( XXXX ), provided them with the same information and they found no file on me. The representative offered that I send documents to start a credit report, I declined and did not take any further action. \n\nI let XXXX XXXX know that TransUnion did not have a file for me, and as of this moment, I have not heard back from them. \n\nI tried to access my free credit report via the Annual Credit Report website and chose to receive it from TransUnion to keep consistent, and I could not access it either as a notification that said \" We do not have a record that matches the information you entered '' appeared. \n\nI am filing this complaint because : 1 ) I want to check if I have a credit report. If I do have one, why can't I access it?\n\nIf I do not have one, should I be concerned of fraud or of another problem since XXXX XXXX mentioned TransUnion DID have a file on me? \n( I do not know if I have a credit history, something I was trying to find out through XXXX XXXX, but as you have read, it was not possible to set up an account because my \" information did not match with credit bureau records. '' ) 2 ) I want to check what information is available on me to confirm that it is correct. \n\nThank you for your attention to this matter.","date_sent_to_company":"2019-09-13T05:07:20.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"11370","tags":null,"has_narrative":true,"complaint_id":"3372611","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-09-13T01:07:18.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I tried to access my free credit report via the Annual Credit Report website and chose to receive it from TransUnion to keep consistent, and I could not access it either as a notification that said \" We do not have a record that matches the information you entered '' appeared. \n\nI am filing this complaint because : 1 ) I want to check if I have a credit report. If I do have one, why can't I access it?"],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Unable to get your credit report or credit score"],"sub_product":["Credit reporting"],"sub_issue":["Other problem getting your report or credit score"]},"sort":[16.05825,"3372611"]},{"_index":"complaint-public-v1","_id":"4120320","_score":15.761198,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have found inaccurate information on my credit file by the credit reporting agency name Experian. I have disputed the inaccurate item name XXXX XXXX which Experian listed on my Experian credit report, who refuses to fix it. I have taken additional steps to remedy the problem by sending letters, disputing the account several times, mailed letters, calling and certified a letter regards to inaccuracy for the item name XXXX XXXX that is reported on the Experian credit report. Experian sees the inaccurate information that XXXX XXXX is reporting, but Experian credit reporting agency refused to remove and delete the inaccurate information from my credit file and credit report which are against the XXXX rules. \n\nI have kindly requested, Experian to remove and delete the inaccurate information that is reported on the credit report. Experian has failed to knowledge my request. When a creditor reviews individual credit report, the identity / personal information such as name, address, telephone number and all personal information on the credit report must match. \nWhich best describes your problem? \nThe inaccurate item name XXXX XXXX is listed on my Experian credit report. Does not match my identity/ personal information ; this is described as inaccurate information. Experian has listed XXXX XXXX on my credit file which is inaccurate information and the information reported does not match to my identity/ person information and continues to report and leave XXXX XXXX inaccurate information on my credit report. Based on credit bureaus responsibility to report only information accurate information. Experian has continued to leave inaccurate information that does not match my identity on my credit report and has failed to remove the inaccurate information from my credit file, this has negatively impacted me on many levels","date_sent_to_company":"2021-02-05T21:51:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91367","tags":null,"has_narrative":true,"complaint_id":"4120320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-02-05T21:51:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Experian has continued to leave inaccurate information that does not match my identity on my credit report and has failed to remove the inaccurate information from my credit file, this has negatively impacted me on many levels"],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"company":["Experian Information Solutions Inc."],"sub_product":["Credit reporting"],"sub_issue":["Personal information incorrect"]},"sort":[15.761198,"4120320"]},{"_index":"complaint-public-v1","_id":"12386085","_score":15.530668,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter to Equifax dated XX/XX/year> requesting all information in my credit file, as well as a free copy of all reports. Equifax responded in a letter dated XX/XX/year> stating that \" We received your request for a copy of your Equifax credit report. However, we need additional information in order to verify your identity and address ''. \" To help us fulfill your request, please send us a letter with your full name, social security number, current address, and your date of birth ''. \" Please also include a copy of a document verifying your identity ( ex : driver 's license or birth certificate ), your social security number ( ex : social security card or W2 form and a copy of a document verifying your address ''. \" The documents you provided were illegible ''. \" Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send us a copy of two different items ''. My complaint is why did Equifax state in they response letter that \" I provided DOCUMENTS that were ILLEGIBLE ''? I never provided any documents to Equifax, I only mailed Equifax a letter, CERTIFIED MAIL SIGN RECEIPT. Secondly, why would Equifax state in they response letter that \" Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send either pay stub with complete Social Security number, valid Social Security Card, or W-2 form with complete U.S. Social Security number , ect? XXXX XXXX sent me letters dated XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> all denying me a CREDIT LINE INCREASE as well as a AUTO FINANCING LOAN based on information obtained in a report from Equifax. As a result, how can Equifax state in they response letter that my request letter sent to them doesn't match the information they currently have on file? I also have a XXXX XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX!","date_sent_to_company":"2025-03-10T02:14:59.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"11434","tags":null,"has_narrative":true,"complaint_id":"12386085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-10T01:01:58.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["were illegible ''. \" Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send us a copy of two different items ''."],"product":["Credit reporting or other personal consumer reports"],"issue":["Unable to get your credit report or credit score"],"sub_product":["Credit reporting"],"sub_issue":["Other problem getting your report or credit score"]},"sort":[15.530668,"12386085"]},{"_index":"complaint-public-v1","_id":"12583110","_score":15.363601,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA XXXX XXXX Code XXXX Civil liability for willful noncompliance and XXXX XXXX Code XXXX Civil liability for negligent noncompliance and XXXX XXXX Code XXXX civil liability. \n\nPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I XXXX be entitled to under Section XXXX and Section XXXX if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. \n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\nXXXX Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n\nXXXX. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up XXXX person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\nXXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \n\nReceive notification if information in my file has been used against me in applying for credit or other transactions. \n\nXXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \n\nRemove outdated, negative information ( after XXXX years in most cases, XXXX in the case of bankruptcy ). \n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nXXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX CRED Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXXXXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. I HAVE NEVER BEEN LATE ON THIS ACCOUNT THE LAST ACTIVITY DOES NOT MATCH DATE OPENED DONT MATCH THE LAST PAYMENT DONT MATCH KIKOFF Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH SELFINC/LEAD Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. I HAVE NEVER BEEN LATE ON THIS ACCOUNT THE LAST ACTIVITY DOES NOT MATCH DATE OPENED DONT MATCH THE LAST PAYMENT DONT MATCH XXXX XXXX Account Number : XXXX UPDATE ALL LATE PAYMENTS TO CURRENT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. DATES OF LAST ACTIVITY DONT MATCH THE DATES REPORTED DONT MATCH AND THE DATE IT WS OPENED DONT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH CHRYSLERCAP Account Number : XXXX DELETE FROM MY CREDIT REPORT VIOLATION OF XXXX XXXX Code XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. \n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-03-21T04:33:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75227","tags":null,"has_narrative":true,"complaint_id":"12583110","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-21T04:25:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.363601,"12583110"]},{"_index":"complaint-public-v1","_id":"12581483","_score":15.363601,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA XXXX XXXX Code XXXX Civil liability for willful noncompliance and XXXX XXXX Code XXXX Civil liability for negligent noncompliance and XXXX XXXX Code XXXX civil liability. \n\nPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I XXXX be entitled to under Section XXXX and Section XXXX if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. \n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\nXXXX Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n\nXXXX. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up XXXX person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\nXXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \n\nReceive notification if information in my file has been used against me in applying for credit or other transactions. \n\nXXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \n\nRemove outdated, negative information ( after XXXX years in most cases, XXXX in the case of bankruptcy ). \n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nXXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX CRED Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXXXXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. I HAVE NEVER BEEN LATE ON THIS ACCOUNT THE LAST ACTIVITY DOES NOT MATCH DATE OPENED DONT MATCH THE LAST PAYMENT DONT MATCH KIKOFF Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH SELFINC/LEAD Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. I HAVE NEVER BEEN LATE ON THIS ACCOUNT THE LAST ACTIVITY DOES NOT MATCH DATE OPENED DONT MATCH THE LAST PAYMENT DONT MATCH XXXX XXXX Account Number : XXXX UPDATE ALL LATE PAYMENTS TO CURRENT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. DATES OF LAST ACTIVITY DONT MATCH THE DATES REPORTED DONT MATCH AND THE DATE IT WS OPENED DONT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH CHRYSLERCAP Account Number : XXXX DELETE FROM MY CREDIT REPORT VIOLATION OF XXXX XXXX Code XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. \n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-03-21T04:33:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75227","tags":null,"has_narrative":true,"complaint_id":"12581483","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-21T04:33:09.000Z","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":["Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.363601,"12581483"]},{"_index":"complaint-public-v1","_id":"12581485","_score":15.36023,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA XXXX XXXX Code XXXX Civil liability for willful noncompliance and XXXX XXXX Code XXXX Civil liability for negligent noncompliance and XXXX XXXX Code XXXX civil liability. \n\nPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I XXXX be entitled to under Section XXXX and Section XXXX if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. \n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\nXXXX Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n\nXXXX. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up XXXX person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\nXXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \n\nReceive notification if information in my file has been used against me in applying for credit or other transactions. \n\nXXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \n\nRemove outdated, negative information ( after XXXX years in most cases, XXXX in the case of bankruptcy ). \n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nXXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX CRED Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXXXXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. I HAVE NEVER BEEN LATE ON THIS ACCOUNT THE LAST ACTIVITY DOES NOT MATCH DATE OPENED DONT MATCH THE LAST PAYMENT DONT MATCH KIKOFF Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH SELFINC/LEAD Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. I HAVE NEVER BEEN LATE ON THIS ACCOUNT THE LAST ACTIVITY DOES NOT MATCH DATE OPENED DONT MATCH THE LAST PAYMENT DONT MATCH XXXX XXXX Account Number : XXXX UPDATE ALL LATE PAYMENTS TO CURRENT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. DATES OF LAST ACTIVITY DONT MATCH THE DATES REPORTED DONT MATCH AND THE DATE IT WS OPENED DONT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH CHRYSLERCAP Account Number : XXXX DELETE FROM MY CREDIT REPORT VIOLATION OF XXXX XXXX Code XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. \n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-03-21T04:33:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75227","tags":null,"has_narrative":true,"complaint_id":"12581485","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-21T04:33:09.000Z","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":["Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"company":["Experian Information Solutions Inc."],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.36023,"12581485"]},{"_index":"complaint-public-v1","_id":"2556388","_score":15.32836,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Re : CFPB No : XXXX Capital One was not able to provide an explanation as of why the information provided was false and did not match the information in the credit report. The reason for the decline : \" Based on your credit report from XXXX, length of credit history ''. This information is false and not reported as such by XXXX, where the credit card history is stated as 21+ years. Capital One has inquired with XXXX and XXXX as well based on the credit report inquiry information. Capital One needs to provide the reason why the reason for the decline does not match the XXXX report. A complaint will be file with XXXX as their information was used falsely.

Manager mentioned that Capital One is not inclined to open an account for someone who is citizen of another country or has dual citizenship. This seems to be the only justification for the decline.","date_sent_to_company":"2017-06-22T17:12:12.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"94114","tags":null,"has_narrative":true,"complaint_id":"2556388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-06-22T17:00:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Re : CFPB No : XXXX Capital One was not able to provide an explanation as of why the information provided was false and did not match the information in the credit report. The reason for the decline : \" Based on your credit report from XXXX, length of credit history ''. This information is false and not reported as such by XXXX, where the credit card history is stated as 21+ years. Capital One has inquired with XXXX and XXXX as well based on the credit report inquiry information."],"product":["Credit card or prepaid card"],"issue":["Getting a credit card"],"sub_product":["General-purpose credit card or charge card"]},"sort":[15.32836,"2556388"]},{"_index":"complaint-public-v1","_id":"10550227","_score":15.2117605,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form 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 Personal Information for Experian NAME : XXXX XXXX XXXX Please delete any names in your system that do not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that do no match XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The only reside at XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX","date_sent_to_company":"2024-10-23T18:39:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33805","tags":null,"has_narrative":true,"complaint_id":"10550227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-23T18:36:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that do no match XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The only reside at XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX"],"product":["Credit reporting or other personal consumer reports"],"company":["Experian Information Solutions Inc."],"sub_product":["Credit reporting"]},"sort":[15.2117605,"10550227"]},{"_index":"complaint-public-v1","_id":"13904933","_score":15.175898,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. \n\nPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. \n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n\n2. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \n\nReceive notification if information in my file has been used against me in applying for credit or other transactions. \n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT 4. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 5. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 6. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 7. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX Account Number : XXXX UPDATE ALL LATE PAYMENTS TO CURRENT 8. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX XXXX Account Number : XXXX UPDATE ALL LATE PAYMENTS TO CURRENT 9. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX XXXXXXXX Account Number : XXXX REMOVE THE LATE PAYMENT AND MAKE MY ACOUNT TO CURRENT 10. CHARGE OFF CAN NOT CARRY A BALANCE DATES OF LAST ACTIVITY DONT MATCH REPORTING DATE DONT MATCH DATE OPENED DONT MATCH XXXXXXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 11. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 12. DATES OF LAST ACTIVITY DO NOT MATCH LAST REPORTED DONT MATCH THE LAST TIME IT WAS VERIFIED DOES NOT MATCH AS WELL AND THE DATE OPENED DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 13. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 14. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH THE BUREAUS Account Number : XXXX DELETE FROM MY CREDIT REPORT 15. CHARGE OF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 16. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 17. DATES OF LAST ACTIVITY DONT MATCH AND I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX REMOVE THE LATE PAYMENT AND MAKE MY ACOUNT TO CURRENT 18. CHARGE OFF CAN NOT CARRY A BALANCE THE REPORTING DATE DONT MATCH LAST ACTIVITY DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 19. DATES OF LAST ACTIVITY DONT MATCH -DATE OPENED DONT MATCH AND THE LAST REPORTED DONT XXXX XXXX XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 20. CHARGE OFF CAN NOT CARRY A BALANCE- DATES OF LAST ACTIVITY DONT MATCH AND THE ACCOUNT STATUS DO NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 21. CHARGE OFF CAN NOT CARRY A BALANCE DATES OF LAST ACTIVITY DONT MATCH REPORTING DATE DONT MATCH DATE OPENED DONT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 22. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 23. CHARGE OF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 24. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 25. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. \n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-06-05T00:09:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75104","tags":null,"has_narrative":true,"complaint_id":"13904933","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-05T00:09:34.000Z","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":["Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.175898,"13904933"]},{"_index":"complaint-public-v1","_id":"13881583","_score":15.165111,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. \n\nPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. \n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n\n2. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \n\nReceive notification if information in my file has been used against me in applying for credit or other transactions. \n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT 4. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 5. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 6. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 7. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX Account Number : XXXX UPDATE ALL LATE PAYMENTS TO CURRENT 8. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX XXXX Account Number : XXXX UPDATE ALL LATE PAYMENTS TO CURRENT 9. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX XXXXXXXX Account Number : XXXX REMOVE THE LATE PAYMENT AND MAKE MY ACOUNT TO CURRENT 10. CHARGE OFF CAN NOT CARRY A BALANCE DATES OF LAST ACTIVITY DONT MATCH REPORTING DATE DONT MATCH DATE OPENED DONT MATCH XXXXXXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 11. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 12. DATES OF LAST ACTIVITY DO NOT MATCH LAST REPORTED DONT MATCH THE LAST TIME IT WAS VERIFIED DOES NOT MATCH AS WELL AND THE DATE OPENED DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 13. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 14. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH THE BUREAUS Account Number : XXXX DELETE FROM MY CREDIT REPORT 15. CHARGE OF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 16. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 17. DATES OF LAST ACTIVITY DONT MATCH AND I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX REMOVE THE LATE PAYMENT AND MAKE MY ACOUNT TO CURRENT 18. CHARGE OFF CAN NOT CARRY A BALANCE THE REPORTING DATE DONT MATCH LAST ACTIVITY DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 19. DATES OF LAST ACTIVITY DONT MATCH -DATE OPENED DONT MATCH AND THE LAST REPORTED DONT XXXX XXXX XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 20. CHARGE OFF CAN NOT CARRY A BALANCE- DATES OF LAST ACTIVITY DONT MATCH AND THE ACCOUNT STATUS DO NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 21. CHARGE OFF CAN NOT CARRY A BALANCE DATES OF LAST ACTIVITY DONT MATCH REPORTING DATE DONT MATCH DATE OPENED DONT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 22. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 23. CHARGE OF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 24. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 25. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. \n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-06-05T00:09:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75104","tags":null,"has_narrative":true,"complaint_id":"13881583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-05T00:09:34.000Z","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":["Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"company":["Experian Information Solutions Inc."],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.165111,"13881583"]},{"_index":"complaint-public-v1","_id":"13881233","_score":15.165111,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. \n\nPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. \n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. \n\n2. What is a FCRA violation? \n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \n\nReceive notification if information in my file has been used against me in applying for credit or other transactions. \n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). \n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. \n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\n1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX DELETE FROM MY CREDIT REPORT 4. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 5. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 6. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 7. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX Account Number : XXXX UPDATE ALL LATE PAYMENTS TO CURRENT 8. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX XXXX Account Number : XXXX UPDATE ALL LATE PAYMENTS TO CURRENT 9. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX XXXXXXXX Account Number : XXXX REMOVE THE LATE PAYMENT AND MAKE MY ACOUNT TO CURRENT 10. CHARGE OFF CAN NOT CARRY A BALANCE DATES OF LAST ACTIVITY DONT MATCH REPORTING DATE DONT MATCH DATE OPENED DONT MATCH XXXXXXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 11. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 12. DATES OF LAST ACTIVITY DO NOT MATCH LAST REPORTED DONT MATCH THE LAST TIME IT WAS VERIFIED DOES NOT MATCH AS WELL AND THE DATE OPENED DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 13. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 14. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH THE BUREAUS Account Number : XXXX DELETE FROM MY CREDIT REPORT 15. CHARGE OF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 16. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 17. DATES OF LAST ACTIVITY DONT MATCH AND I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX REMOVE THE LATE PAYMENT AND MAKE MY ACOUNT TO CURRENT 18. CHARGE OFF CAN NOT CARRY A BALANCE THE REPORTING DATE DONT MATCH LAST ACTIVITY DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 19. DATES OF LAST ACTIVITY DONT MATCH -DATE OPENED DONT MATCH AND THE LAST REPORTED DONT XXXX XXXX XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 20. CHARGE OFF CAN NOT CARRY A BALANCE- DATES OF LAST ACTIVITY DONT MATCH AND THE ACCOUNT STATUS DO NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 21. CHARGE OFF CAN NOT CARRY A BALANCE DATES OF LAST ACTIVITY DONT MATCH REPORTING DATE DONT MATCH DATE OPENED DONT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 22. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 23. CHARGE OF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DONT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 24. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXXXXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 25. UNDER 15 USC 1666B TIMING OF PAYMENTS YOU MUST GIVE 21 DAYS BEFORE THE PAYMENT DUE DATE WHICH WAS NOT DONE XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. \n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-06-05T00:10:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75104","tags":null,"has_narrative":true,"complaint_id":"13881233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-04T23:55:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.165111,"13881233"]},{"_index":"complaint-public-v1","_id":"11077875","_score":15.149403,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter to Open Road Finance In XXXX to validate the alleged debt. In the letter I wrote the number that is on my credit report, that they ae reporting to the credit reporting agencies. \nit has been dismissed as frivolous because they state I provided an incomplete account number, and the claim that the account number on file does not match the return address. \nHowever, the account number I provided is the same as the one listed on my credit report, which your company submitted to the credit reporting agencies. I trust this should be sufficient to locate the account in question. \nYou also indicated that the account number on file does not match the return address, Again, this is another reason for my dispute since I do not believe this is a valid account. I have serious doubts about its authenticity or its association with my personal information. I would like to stress that my dispute is not frivolous. I expect your company to conduct a thorough investigation to resolve these concerns.In accordance with applicable consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies or discrepancies related to my credit report.","date_sent_to_company":"2024-12-10T04:09:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80127","tags":null,"has_narrative":true,"complaint_id":"11077875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Recreational Holdings Corp.","date_received":"2024-12-10T03:43:33.000Z","state":"CO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["You also indicated that the account number on file does not match the return address, Again, this is another reason for my dispute since I do not believe this is a valid account. I have serious doubts about its authenticity or its association with my personal information. I would like to stress that my dispute is not frivolous."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[15.149403,"11077875"]},{"_index":"complaint-public-v1","_id":"11746692","_score":15.101255,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have noticed what appears to be a mistake on my most recent credit report, as the details do not match the information I have on file. This inconsistency is concerning, as I rely on my credit report to reflect accurate and up-to-date information. I kindly ask that you take the time to investigate this issue and make the necessary adjustments. I would greatly appreciate your assistance in resolving this matter.","date_sent_to_company":"2025-01-22T18:49:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75241","tags":null,"has_narrative":true,"complaint_id":"11746692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-01-22T18:46:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have noticed what appears to be a mistake on my most recent credit report, as the details do not match the information I have on file. This inconsistency is concerning, as I rely on my credit report to reflect accurate and up-to-date information. I kindly ask that you take the time to investigate this issue and make the necessary adjustments. I would greatly appreciate your assistance in resolving this matter."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[15.101255,"11746692"]},{"_index":"complaint-public-v1","_id":"3080997","_score":15.091415,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently received a letter dated XX/XX/2018 from Equifax stating : 'We have received your request concerning your Equifax credit file. However, the Identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. '' Then the letter requests that I provide items to verify my Identification and current address. \n\nI have made no recent contact with Equifax. \nI have made no recent requests to Equifax regarding my credit file. \nI have not provided Equifax any identification recently.","date_sent_to_company":"2018-11-22T22:50:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"974XX","tags":null,"has_narrative":true,"complaint_id":"3080997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-11-22T22:40:46.000Z","state":"OR","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I recently received a letter dated XX/XX/2018 from Equifax stating : 'We have received your request concerning your Equifax credit file. However, the Identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. '' Then the letter requests that I provide items to verify my Identification and current address. \n\nI have made no recent contact with Equifax."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"sub_issue":["Personal information incorrect"]},"sort":[15.091415,"3080997"]},{"_index":"complaint-public-v1","_id":"11749552","_score":15.085463,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have noticed what appears to be a mistake on my most recent credit report, as the details do not match the information I have on file. This inconsistency is concerning, as I rely on my credit report to reflect accurate and up-to-date information. I kindly ask that you take the time to investigate this issue and make the necessary adjustments. I would greatly appreciate your assistance in resolving this matter.","date_sent_to_company":"2025-01-24T22:01:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75241","tags":null,"has_narrative":true,"complaint_id":"11749552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2025-01-24T21:56:30.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have noticed what appears to be a mistake on my most recent credit report, as the details do not match the information I have on file. This inconsistency is concerning, as I rely on my credit report to reflect accurate and up-to-date information. I kindly ask that you take the time to investigate this issue and make the necessary adjustments. I would greatly appreciate your assistance in resolving this matter."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[15.085463,"11749552"]},{"_index":"complaint-public-v1","_id":"11806213","_score":15.0724945,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have noticed what appears to be a mistake on my most recent credit report, as the details do not match the information I have on file. This inconsistency is concerning, as I rely on my credit report to reflect accurate and up-to-date information. I kindly ask that you take the time to investigate this issue and make the necessary adjustments. I would greatly appreciate your assistance in resolving this matter.","date_sent_to_company":"2025-01-28T15:26:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92376","tags":null,"has_narrative":true,"complaint_id":"11806213","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-01-28T15:21:36.000Z","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":["I have noticed what appears to be a mistake on my most recent credit report, as the details do not match the information I have on file. This inconsistency is concerning, as I rely on my credit report to reflect accurate and up-to-date information. I kindly ask that you take the time to investigate this issue and make the necessary adjustments. I would greatly appreciate your assistance in resolving this matter."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[15.0724945,"11806213"]},{"_index":"complaint-public-v1","_id":"13618003","_score":15.03804,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX | Date of Birth : XX/XX/year> Experian P.O. XXXX XXXX XXXX, TX XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. \n\nPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. \n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\nXXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nXXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. DATES REPORTING DOES NOT MATCH BALANCED OWED DOESNT MATCH THE DATES OF OPENING THE ACCOUNT DOES NOT MATCH DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT VIOLATION OF XXXX XXXX XXXX XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-05-21T00:58:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75180","tags":null,"has_narrative":true,"complaint_id":"13618003","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-21T00:58:38.000Z","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":["Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.03804,"13618003"]},{"_index":"complaint-public-v1","_id":"5202104","_score":15.024806,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX, I received an alert from XXXX that someone was trying to use my social security number to open a Capital One credit card account. XXXX connected me with the fraud department at Capital One to dispute this incident to which the Capital One associate claimed, \" The information submitted must be a typo because your social security number is here but the name and birthdate submitted does not match. I wouldn't worry about this as we need a certain amount of information to be correct to allow an application to go through for approval. '' Fast forward to this month, I have noticed my credit has been dropping significantly for no known reasons as I pay my credit cards and loans on time. Nothing has been alerted to me via XXXX and nothing is showing up under my credit report as suspicious. On XX/XX/XXXX I recalled this conversation with Capital One and around XXXX MST called their automated system. The system prompted me to find my account via my social security number, and the system found an account under my social. I asked for customer service, first spoke to XXXX who said that the name and birth date on the account did not match my name and birthday so she needed to connect me to an account specialist. I spoke to a XXXX to which received the same information that my social was being used, but the name and birth date did not match mine and that I needed to speak to the credit union to send a dispute and they would not allow me to close the account. I asked for a supervisor, in which was connected to a XXXX employee number XXXX, REFERENCE DATE : XX/XX/XXXX XXXX EST, to which he gave me the same response, \" We can not close this account as your name and birthdate do not match the account '' irregardless that my social security number was the account that opened it and that I needed to contact the credit bureau about filing a dispute. \n\nOn XX/XX/XXXX around XXXX MST I reached out to the credit bureau and explained the situation. The credit bureau said that this account information was not submitted to them and Capital One should be flagged for either not submitting information to create this account and that they should be obligated to file a dispute for me since they're using my social security number. He also mentioned that if they do not comply that I should report Capital One and their in accuracies as well as their non-compliance to file a dispute when they have not reported information properly to the credit bureau. Due to this information, the credit bureau said that they could not file a dispute because Capital One did not file and submit the account 's information properly. \n\nOn XX/XX/XXXX around XXXX MST, I contacted Capital One again and first spoke to a XXXX. She transferred me to a XXXX XXXX number : XXXX, who was, in his words, \" The highest personal in the fraud department that I could reach via phone ''. He again mentioned that he can not put a dispute on this account even though my social was being used, that the name and birthdate on the account did not match so he could not do anything and I needed to contact the credit bureau. He also mentioned if I wanted to file a complaint, I needed to write a formal letter to the \" General Correspondence '' Team at Capital one giving me a XXXX XXXX XXXX in XXXX XXXX XXXX, UT. \n\nI am quite concerned that : 1 ) a credit card company would allow an account to be opened under false name and birthdate and be connected to another 's social security number even when it was flagged and an associate mentioned there was not enough information that matched to open an account.\n\n2 ) That a credit card company would not be willing to flag an account in which the three major identifiers ( Name, birthdate and social ) do not match in order to either find the issue, close the account and or help dispute fraud.\n\n3 ) Inaccurately or not file information correctly to the credit bureau","date_sent_to_company":"2022-02-09T15:25:06.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"80403","tags":null,"has_narrative":true,"complaint_id":"5202104","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-02-09T14:48:33.000Z","state":"CO","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["or help dispute fraud.\n\n3 ) Inaccurately or not file information correctly to the credit bureau"],"product":["Credit card or prepaid card"],"sub_product":["General-purpose credit card or charge card"]},"sort":[15.024806,"5202104"]},{"_index":"complaint-public-v1","_id":"13629438","_score":15.019521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX | Date of Birth : XX/XX/year> Experian P.O. XXXX XXXX XXXX, TX XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. \n\nPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. \n\nYOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. \n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. \n\nXXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.\n\nReceive notification if information in my file has been used against me in applying for credit or other transactions.\n\nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. \n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.\n\nThe law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. \n\nXXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH THE HIGH BALANCE DO NOT MATCH LAST PAYMENT DATE DO NOT MATCH XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. DATES REPORTING DOES NOT MATCH BALANCED OWED DOESNT MATCH THE DATES OF OPENING THE ACCOUNT DOES NOT MATCH DATES OF LAST ACTIVITY DOES NOT MATCH XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT VIOLATION OF XXXX XXXX XXXX XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-05-21T00:58:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75180","tags":null,"has_narrative":true,"complaint_id":"13629438","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-21T00:58:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.019521,"13629438"]},{"_index":"complaint-public-v1","_id":"8371937","_score":15.00366,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dear Experian, XXXX, XXXX Isn't it true that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes? \nI have sent several letters to ( Experian, XXXX, XXXX Credit Reporting Agency ) regarding inaccurate information in my credit file. I have not received any response from them and the inaccurate information remains in my credit file. Now I would like to file my Federal Trade Commission complaint formally. \nIf you have any questions please feel free to contact at the number listed above. \n\n\nPlease review inaccuracies that are being reported. Its your job to VERIFY and provide PROOF. As per the FDCPA, I have the right to request a validation of all debt. I request you to prove that I am indeed the party who is by contract obligated to pay off debts specifically for XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX accounts as well as all others. \n\nI hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Getel Trade Commission ( FTC ) and other state/federal. See attachment which shows almost every account doesnt match the active last day or open account date and some have different monthly payments. ALL inaccuracies must be deleted immediately. Until verification and validation of these accounts attached all MATCH and accurate you must delete. Honestly my entire report has inaccuracies between Experian, XXXX and XXXX it is YOUR job to investigate and provide ACCURATE data. If you cant produce accurate data then you must delete it off my credit report! I have attached examples of how every single account listed doesnt match another credit bureau reporting. They MUST MATCH & BE ACCURATE. Thats your job not mine. In the meantime, Im requesting for the 6th time to delete the accounts listed and update to only one address and you do not have my consent to run my SSN TRACe, monitoring alerts which adds negative alerts to creditors as inOPT OUT OF SHARING MY DATA any further as I opt out of that right due to your negative fraudulent reporting for the credit bureaus","date_sent_to_company":"2024-02-20T06:21:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95687","tags":null,"has_narrative":true,"complaint_id":"8371937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-20T05:54:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dear Experian, XXXX, XXXX Isn't it true that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes? \nI have sent several letters to ( Experian, XXXX, XXXX Credit Reporting Agency ) regarding inaccurate information in my credit file. I have not received any response from them and the inaccurate information remains in my credit file."],"product":["Credit reporting or other personal consumer reports"],"company":["Experian Information Solutions Inc."],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[15.00366,"8371937"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2585,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2585}]}},"product":{"doc_count":2585,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1621,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1601},{"key":"Other personal consumer report","doc_count":20}]}},{"key":"Credit reporting, credit repair services, or other personal 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