{"took":102,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":108,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13363443","_score":19.590092,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because TransUnion is reporting a XXXXday late payment on my credit report for an account with XXXX XXXX XXXX which is inaccurate and the result of a dispute that was submitted by mistake. \n\nAround XX/XX/year>, XXXX XXXX confirmed that my account was current, and I was informed by XXXX XXXX XXXX, Chief Director at XXXXXXXX XXXX that their operations team submitted the update to TransUnion to reflect the correct account status. For a brief period, the account did appear as current. However, TransUnion later reversed the correction, and the account is now incorrectly showing as past due, which is damaging my credit score. \n\nI have contacted TransUnion multiple times to explain that this is a reporting error caused by an unintentional dispute. I also reached out to XXXXXXXX XXXX, and XXXX XXXX confirmed again on XX/XX/year>, that I have never been late and that my account should be reported as current. Despite this, the account is still showing as past due on my TransUnion credit report. \n\nI am requesting that this matter be corrected immediately by : Removing the inaccurate XXXXday late payment from my report Updating the account to reflect its true status of current Restoring any credit score impact caused by the error Providing written confirmation of the correction I have attached supporting documentation, including communications with XXXXXXXX XXXX and evidence that my account is not delinquent. This error is unfairly impacting my credit, and I would appreciate your urgent attention in correcting it. \n\nThank you for your help in resolving this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-07T02:18:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44143","tags":"Servicemember","has_narrative":true,"complaint_id":"13363443","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-07T01:43:51.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am requesting that this matter be corrected immediately by : Removing the inaccurate XXXXday late payment from my report Updating the account to reflect its true status of current Restoring any credit score impact caused by the <em>error</em> <em>Providing</em> written <em>confirmation</em> of the <em>correction</em> I <em>have</em> <em>attached</em> <em>supporting</em> documentation, including communications with XXXXXXXX XXXX and evidence that my account is not delinquent."]},"sort":[19.590092,"13363443"]},{"_index":"complaint-public-v1","_id":"16588103","_score":18.34252,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint because my credit report with Experian contains multiple inaccuracies in my personal information that must be corrected immediately, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing valid documentation, my file continues to show incorrect name variations, outdated or unauthorized addresses, and inaccurate employer information. \nUpon reviewing my credit file, I noticed the following errors : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Name Correction : The correct and only legal spelling of my name is XXXX XXXX XXXX XXXX. Please remove any incorrect, alternative, or misspelled variations. ( Proof attached : Copy of my Government-issued ID ) Address Correction : The only valid address associated with me is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1904, XXXX, Utah XXXX XXXX I kindly request that any other address other than this one be removed to reflect the most accurate and updated information. ( Proof attached : Proof of Address ) Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the maximum protection and accuracy regarding the personal information reported on my credit file. \nI am enclosing supporting documentation to facilitate your investigation and to expedite the necessary corrections : Copy of my Government-issued ID Copy of my Social Security Card Proof of my current address I kindly request written confirmation once these corrections have been made and an updated copy of my credit report reflecting the accurate information. \nThank you very much for your prompt attention and cooperation in addressing this important matter. I appreciate your assistance and look forward to a timely resolution. \nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-15T21:53:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"84047","tags":null,"has_narrative":true,"complaint_id":"16588103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-15T21:47:35.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I am enclosing <em>supporting</em> documentation to facilitate your investigation and to expedite the necessary <em>corrections</em> : Copy of my Government-issued ID Copy of my Social Security Card Proof of my current address I kindly request written <em>confirmation</em> once these <em>corrections</em> <em>have</em> been made and an updated copy of my credit report reflecting the accurate information. \nThank you very much for your prompt attention and cooperation in addressing this important matter."]},"sort":[18.34252,"16588103"]},{"_index":"complaint-public-v1","_id":"3554661","_score":17.471632,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I am writing to complain about incorrect credit information which is appearing on my experian credit report for a XXXX XXXX XXXX credit account. \n\nXXXX XXXX XXXX on XX/XX/2020 reported my account as 30 days late to experian. This update flagged my account negatively and brought my score down by 45 points. \nI worked with XXXX XXXX XXXX to resolve the issue and have then correct it at their end ( I have a letter from XXXX XXXX XXXX which confirms the correction ) .However the department within XXXX   XXXX XXXX which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to experian. \n\nI also worked with experian to rectify this error by providing them supporting documentation from the bank but experian needed additional confirmation from XXXX XXXX XXXX to remove deliquency and XXXX  XXXX XXXX 's internal systems have not been appropiately synched and updated all the way through to reflect this error. \n\nI have been thrown in circles by both of these companies- experian and XXXX XXXXXXXX XXXX credit reporting department . XXXX  XXXX XXXX, on each call confirms that from their end the account is current and has never been late however XXXX  XXXX XXXX XXXX credit reporting department which interacts drectly with the credit bureaus has been providing experian information that account was 30 days past due in XX/XX/2020. \nThis is a pure example of missing links in the process which XXXX  XXXX XXXX uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. \n\nI am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. \n\nI would like to request experian to remove 30 day deliquency attached to my XXXX  XXXX XXXX credit account and also appropiately update my score back. The day deliquency was posted, my score dropped by 45 points and I am hoping that it will be reverted. \n\nLooking forward to a resolve, I will be ahppy to provide any supporting documentation needed. \n\nThanks","date_sent_to_company":"2020-03-04T17:41:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"3554661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-03-04T17:41:29.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I also worked with experian to rectify this <em>error</em> by <em>providing</em> them <em>supporting</em> documentation from the bank but experian needed additional <em>confirmation</em> from XXXX XXXX XXXX to remove deliquency and XXXX  XXXX XXXX 's internal systems <em>have</em> not been appropiately synched and updated all the way through to reflect this <em>error</em>. \n\nI <em>have</em> been thrown in circles by both of these companies- experian and XXXX XXXXXXXX XXXX credit reporting department ."]},"sort":[17.471632,"3554661"]},{"_index":"complaint-public-v1","_id":"3554381","_score":17.471632,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I am writing to complain about incorrect credit information which is appearing on my XXXX   credit report for a bank of america credit account. \n\nBank of America on XX/XX/2020 reported my account as 30 days late to XXXX. This update flagged my account negatively and brought my score down by 45 points. \nI worked with bank of america to resolve the issue and have then correct it at their end ( I have a letter from Bank of America which confirms the correction ) .However the department within bank of america which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to XXXX. \n\nI also worked with XXXX to rectify this error by providing them supporting documentation from the bank but XXXX  needed additional confirmation from bank of america to remove deliquency and bank of america 's internal systems have not been appropiately synched and updated all the way through to reflect this error. \n\nI have been thrown in circles by both of these companies- XXXX and bank of america credit reporting department . Bank of america, on each call confirms that from their end the account is current and has never been late however bank of america 's credit reporting department which interacts drectly with the credit bureaus has been providing XXXX  information that account was 30 days past due in XX/XX/2020. \nThis is a pure example of missing links in the process which bank of america uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. \n\nI am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. \n\nI would like to request XXXX  to remove 30 day deliquency attached to my bank of america credit account and also appropiately update my score back. The day deliquency was posted, my score dropped by 45 points and I am hoping that it will be reverted. \n\nLooking forward to a resolve, I will be ahppy to provide any supporting documentation needed. \n\nThanks","date_sent_to_company":"2020-03-04T17:41:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"105XX","tags":null,"has_narrative":true,"complaint_id":"3554381","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-03-04T17:06:42.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I also worked with XXXX to rectify this <em>error</em> by <em>providing</em> them <em>supporting</em> documentation from the bank but XXXX  needed additional <em>confirmation</em> from bank of america to remove deliquency and bank of america 's internal systems <em>have</em> not been appropiately synched and updated all the way through to reflect this <em>error</em>. \n\nI <em>have</em> been thrown in circles by both of these companies- XXXX and bank of america credit reporting department ."]},"sort":[17.471632,"3554381"]},{"_index":"complaint-public-v1","_id":"11178092","_score":16.946531,"_source":{"product":"Credit card","complaint_what_happened":"Dear Chase Bank Card Services Team, I am writing to redispute the {$770.00} charge labeled as \" XXXX XXXX '' for XXXX XXXX on my Chase Freedom Flex card that is currently FROZEN. I KNOW this charge to be fraudulent, and I am providing additional information to substantiate my claim. \n\nTo investigate this matter thoroughly, I contacted XXXX New York personally today at the time of submitting this cfpb report and received verbal confirmation XXXX separate times, in front of a notary public, that there is no such charge on my XXXX  account or billing statement for XXXX. Furthermore, I have reviewed the detailed billing records and a screenshot of all plates associated with my account, which I have included for your reference. \n\nChase previously informed me that XXXX claimed a plate ending in \" XXXX '' was linked to the account. However, I confirmed directly with XXXX New York, both via their agent and by reviewing their website, that no such plate has ever been associated with my account. Additionally, I have never parked at XXXX XXXX 's Parking C for XXXX consecutive days, as alleged. \n\nI am requesting that Chase thoroughly reevaluate this case with the updated evidence and recredit the {$770.00} to my account. Please find attached the following supporting documents : Page XXXX of my XXXX billing statement. \nA screenshot showing all plates associated with my XXXX account. \nThis charge was processed in error and should not be attributed to my account. I trust Chase to fairly review this new evidence and make the appropriate correction.","date_sent_to_company":"2024-12-16T18:36:42.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"08753","tags":null,"has_narrative":true,"complaint_id":"11178092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-12-16T18:23:50.000Z","state":"NJ","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Additionally, I <em>have</em> never parked at XXXX XXXX 's Parking C for XXXX consecutive days, as alleged. \n\nI am requesting that Chase thoroughly reevaluate this case with the updated evidence and recredit the {$770.00} to my account. Please find <em>attached</em> the following <em>supporting</em> documents : Page XXXX of my XXXX billing statement. \nA screenshot showing all plates associated with my XXXX account. \nThis charge was processed in <em>error</em> and should not be attributed to my account."]},"sort":[16.946531,"11178092"]},{"_index":"complaint-public-v1","_id":"15481119","_score":16.83496,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate credit reporting on my mortgage account with XXXX XXXX XXXX Bank and the harm it has caused to my credit history. \n\nIn XX/XX/XXXX, XXXX XXXX XXXX Bank improperly reported a late payment on my primary mortgage due to their representatives error in setting up my automatic payment schedule. I had previously been on a biweekly autopay arrangement and requested a change to weekly autopay. The setup was not completed correctly by the bank, and as a result, my scheduled payments in XXXX and XX/XX/XXXX were not withdrawn in a timely manner. \n\nThis error was entirely administrative and not the result of any failure on my part to make payments. The issue was corrected by XXXX XXXX XXXX Bank in XX/XX/XXXX, and I have otherwise maintained a perfect on-time payment history on this mortgage since opening it in XXXX. \n\nIn addition, I also hold a second mortgage with XXXX XXXX XXXX Bank since XX/XX/XXXX, and I have never had a late payment on that account. This further supports my long-standing record of responsible repayment. \n\nI have attached copies of my payment history records, which clearly show that the payments for XXXX and XX/XX/XXXX were withheld by XXXX XXXX XXXX Bank due to their representatives mistake. Despite this, the banks error has unfairly resulted in a negative mark on my credit report, damaging my XXXX XXXX for no valid reason. \n\nXXXX XXXX XXXX Bank has acknowledged this issue but has been unreasonably slow in providing me with a formal correction letter. I have also disputed the reporting with TransUnion, but the matter remains unresolved. \n\nI respectfully request that the Consumer Financial Protection Bureau investigate this matter and require XXXX XXXX XXXX Bank to : Correct the inaccurate late payment reporting for XX/XX/XXXX. \n\nProvide written confirmation that the error was caused by their mishandling of my payment setup. \n\nNotify all credit reporting agencies ( TransUnion, Equifax, Experian ) of the correction immediately. \n\nThis matter has caused me financial and reputational harm, and I seek your assistance in ensuring my credit report reflects the accurate record of on-time payments I have maintained for over XXXX XXXX \n\nThank you for your prompt attention. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-23T04:00:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55418","tags":null,"has_narrative":true,"complaint_id":"15481119","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-23T04:00:29.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>attached</em> copies of my payment history records, which clearly show that the payments for XXXX and XX/XX/XXXX were withheld by XXXX XXXX XXXX Bank due to their representatives mistake. Despite this, the banks <em>error</em> has unfairly resulted in a negative mark on my credit report, damaging my XXXX XXXX for no valid reason. \n\nXXXX XXXX XXXX Bank has acknowledged this issue but has been unreasonably slow in <em>providing</em> me with a formal <em>correction</em> letter."]},"sort":[16.83496,"15481119"]},{"_index":"complaint-public-v1","_id":"15481710","_score":16.832113,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate credit reporting on my mortgage account with M & T Bank and the harm it has caused to my credit history.\n\nIn XX/XX/XXXX, M & T Bank improperly reported a late payment on my primary mortgage due to their representatives error in setting up my automatic payment schedule. I had previously been on a biweekly autopay arrangement and requested a change to weekly autopay. The setup was not completed correctly by the bank, and as a result, my scheduled payments in XXXX and XX/XX/XXXX were not withdrawn in a timely manner.\n\nThis error was entirely administrative and not the result of any failure on my part to make payments. The issue was corrected by M & T Bank in XX/XX/XXXX, and I have otherwise maintained a perfect on-time payment history on this mortgage since opening it in XXXX. \n\nIn addition, I also hold a second mortgage with M & T Bank since XX/XX/XXXX, and I have never had a late payment on that account. This further supports my long-standing record of responsible repayment.\n\nI have attached copies of my payment history records, which clearly show that the payments for XXXX and XX/XX/XXXX were withheld by M & T Bank due to their representatives mistake. Despite this, the banks error has unfairly resulted in a negative mark on my credit report, damaging my credit score for no valid reason.\n\nM & T Bank has acknowledged this issue but has been unreasonably slow in providing me with a formal correction letter. I have also disputed the reporting with XXXX, but the matter remains unresolved.\n\nI respectfully request that the Consumer Financial Protection Bureau investigate this matter and require M & T Bank to : Correct the inaccurate late payment reporting for XX/XX/XXXX. \n\nProvide written confirmation that the error was caused by their mishandling of my payment setup. \n\nNotify all credit reporting agencies ( XXXX XXXX XXXX ) of the correction immediately. \n\nThis matter has caused me financial and reputational harm, and I seek your assistance in ensuring my credit report reflects the accurate record of on-time payments I have maintained for over 15 years. \n\nThank you for your prompt attention. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-23T04:00:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55418","tags":null,"has_narrative":true,"complaint_id":"15481710","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2025-08-23T03:39:33.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>attached</em> copies of my payment history records, which clearly show that the payments for XXXX and XX/XX/XXXX were withheld by M & T Bank due to their representatives mistake. Despite this, the banks <em>error</em> has unfairly resulted in a negative mark on my credit report, damaging my credit score for no valid reason.\n\nM & T Bank has acknowledged this issue but has been unreasonably slow in <em>providing</em> me with a formal <em>correction</em> letter."]},"sort":[16.832113,"15481710"]},{"_index":"complaint-public-v1","_id":"11711058","_score":16.207592,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally file a complaint against Equifax for their negligent handling of disputes regarding inaccuracies on my credit report. Despite submitting disputes in accordance with the Fair Credit Reporting Act ( FCRA ), Equifax has failed to conduct a proper investigation and provide adequate resolution as mandated by law. Below, I have detailed the disputes I initiated, the confirmation numbers associated with each, and the actions ( or lack thereof ) taken by Equifax. \n\nDispute Timeline and Details : Dispute # 1 : Submitted : XX/XX/year> Completed : XX/XX/year> Confirmation Number : XXXX Outcome : Equifax closed this dispute without confirming or correcting any of the inaccuracies reported. Their response lacked transparency and failed to address the issues raised. \n\nDispute # 2 : Submitted : XX/XX/year> Completed : XX/XX/year> Confirmation Number : XXXX Outcome : Similarly, Equifax resolved this dispute without adequately investigating or providing any substantiated explanation for their findings. No meaningful resolution was offered. \n\nDispute # 3 : Submitted : XX/XX/year> Completed : XX/XX/year> Confirmation Number : XXXX Outcome : Equifax again failed to provide sufficient clarification or corrective action, despite clear evidence of inaccuracies presented in the dispute. \n\nWhat Happened : I took the necessary steps to identify and report errors on my credit report, which included providing detailed information and supporting documentation to Equifax during the dispute process. However, in each instance, Equifax demonstrated negligence by failing to : Conduct a thorough investigation as required by 15 U.S.C. 1681i.\n\nCorrect or confirm the inaccuracies reported. \n\nProvide a clear and detailed explanation for their resolutions. \n\nThis pattern of behavior violates my rights under the FCRA and has negatively impacted my credit score. The negligence demonstrated by Equifax has caused unnecessary stress and hindered my financial well-being. Despite my best efforts to resolve these issues through their dispute resolution system, Equifaxs handling of my disputes shows a disregard for compliance with federal law and proper procedures.\n\nCivil Liability under 15 U.S.C. 1681o : Under the FCRA, specifically 15 U.S.C. 1681o, Equifaxs failure to exercise reasonable care in their investigation process constitutes civil liability for negligence. Their non-compliance has not only undermined the integrity of my credit report but has also resulted in tangible harm by preventing me from accessing credit opportunities at favorable terms. I am seeking accountability for these negligent actions and appropriate corrective measures to rectify this situation. \n\nRequest for Resolution : I respectfully request that the CFPB intervene to ensure the following actions are taken by Equifax : Reinvestigation : Conduct a comprehensive reinvestigation of the disputes I submitted, including verification of all relevant information and documentation. \n\nCorrection of Errors : Rectify the inaccuracies on my credit report and provide written confirmation of the changes made. \n\nScore Adjustment : Update my credit score to reflect the corrected information. \n\nAccountability : Provide a detailed explanation for their prior negligence and steps they will take to ensure compliance moving forward. \n\nSupporting Documentation : Attached to this letter are copies of all relevant documents, including my dispute submissions, confirmation numbers, and any correspondence received from Equifax. \n\nThank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure compliance and accountability. Please feel free to contact me at XXXX or XXXX if you require additional information. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-24T02:00:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11691","tags":null,"has_narrative":true,"complaint_id":"11711058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-24T01:18:08.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dispute # 3 : Submitted : XX/XX/year> Completed : XX/XX/year> <em>Confirmation</em> Number : XXXX Outcome : Equifax again failed to provide sufficient clarification or corrective action, despite clear evidence of inaccuracies presented in the dispute. \n\nWhat Happened : I took the necessary steps to identify and report <em>errors</em> on my credit report, which included <em>providing</em> detailed information and <em>supporting</em> documentation to Equifax during the dispute process."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[16.207592,"11711058"]},{"_index":"complaint-public-v1","_id":"11700861","_score":16.18771,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Letter Under 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Iowa XXXX Dear CFPB, I am writing to file a formal dispute under 15 U.S.C. 1681o, concerning civil liability for negligent noncompliance under the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer have been violated due to the negligent actions of XXXX, Equifax XXXX XXXX. resulting in inaccurate or incomplete information on my credit report. \n\nBackground of the Issue : On XX/XX/XXXX I discovered new inaccuracies on my credit report, which include incorrect account balances, accounts not belonging to me, or outdated information. \nThese inaccuracies have adversely affected my creditworthiness, causing me and my family denial of credit, stress not able to obtain loans and of course emotional distress. \n\nI have also found incorrect addresses that I never had which I also have to correct. \nMany Charge offs I was unaware of. \n\nDetails of Negligent Noncompliance : XXXX, Equifax XXXX XXXX failed to meet the required standards for accuracy and diligence as stipulated under the FCRA. Specifically : Failure to Maintain Reasonable Procedures : The agency did not implement or follow reasonable procedures to ensure the maximum possible accuracy of the information reported about me. \n\nFailure to Investigate and Correct Errors : Despite my previous disputes submitted between XX/XX/XXXX until now XX/XX/XXXX the agency failed to conduct a reasonable reinvestigation or correct the errors as required by 15 U.S.C. 1681i. I have not only disputed electronically but also on the phone. Promised follow ups that were never returned.\n\nNegligent Reporting Practices : By providing and maintaining incorrect information, XXXX, Equifax XXXX XXXX acted negligently and caused harm to my financial standing. \n\nRequested Resolution : To resolve this matter, I respectfully request the following : A thorough reinvestigation of the inaccuracies listed in my credit report, including all supporting evidence provided.\n\nImmediate correction or deletion of all inaccurate information.\n\nWritten confirmation of the resolution and an updated credit report reflecting the corrections.\n\nCompensation for any damages incurred as a result of the negligence, as stipulated under 15 U.S.C. 1681o.\n\nSupporting Documents : I have attached the following documents to support my dispute : I have attached some of the most recent collections that have shown up recently that are not mine from Equifax, XXXX and XXXX. I separated it by XXXX PDF files. \n\nPlease consider this letter a formal complaint. I expect a response within the timeframe outlined by the FCRA. Failure to comply with the necessary standards may result in further legal action.\n\nThank you for your prompt attention to this matter. I look forward to resolving this issue amicably and efficiently. Please contact me at your earliest convenience should you require further information. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-22T20:19:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11354","tags":null,"has_narrative":true,"complaint_id":"11700861","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-22T20:19:13.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Written <em>confirmation</em> of the resolution and an updated credit report reflecting the <em>corrections</em>.\n\nCompensation for any damages incurred as a result of the negligence, as stipulated under 15 U.S.C. 1681o.\n\n<em>Supporting</em> Documents : I <em>have</em> <em>attached</em> the following documents to <em>support</em> my dispute : I <em>have</em> <em>attached</em> some of the most recent collections that <em>have</em> shown up recently that are not mine from Equifax, XXXX and XXXX. I separated it by XXXX PDF files."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[16.18771,"11700861"]},{"_index":"complaint-public-v1","_id":"11686947","_score":16.185549,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Letter Under 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Dear CFPB, I am writing to file a formal dispute under 15 U.S.C. 1681o, concerning civil liability for negligent noncompliance under the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer have been violated due to the negligent actions of XXXX, XXXX XXXX Transunion. resulting in inaccurate or incomplete information on my credit report. \n\nBackground of the Issue : On XX/XX/XXXX I discovered new inaccuracies on my credit report, which include incorrect account balances, accounts not belonging to me, or outdated information. \nThese inaccuracies have adversely affected my creditworthiness, causing me and my family denial of credit, stress not able to obtain loans and of course emotional distress. \n\nI have also found incorrect addresses that I never had which I also have to correct. \nMany Charge offs I was unaware of. \n\nDetails of Negligent Noncompliance : XXXX, XXXX XXXX Transunion failed to meet the required standards for accuracy and diligence as stipulated under the FCRA. Specifically : Failure to Maintain Reasonable Procedures : The agency did not implement or follow reasonable procedures to ensure the maximum possible accuracy of the information reported about me. \n\nFailure to Investigate and Correct Errors : Despite my previous disputes submitted between XX/XX/XXXX until now XX/XX/XXXX the agency failed to conduct a reasonable reinvestigation or correct the errors as required by 15 U.S.C. 1681i. I have not only disputed electronically but also on the phone. Promised follow ups that were never returned.\n\nNegligent Reporting Practices : By providing and maintaining incorrect information, XXXX, XXXX XXXX Transunion acted negligently and caused harm to my financial standing. \n\nRequested Resolution : To resolve this matter, I respectfully request the following : A thorough reinvestigation of the inaccuracies listed in my credit report, including all supporting evidence provided. \n\nImmediate correction or deletion of all inaccurate information.\n\nWritten confirmation of the resolution and an updated credit report reflecting the corrections.\n\nCompensation for any damages incurred as a result of the negligence, as stipulated under 15 U.S.C. 1681o.\n\nSupporting Documents : I have attached the following documents to support my dispute : I have attached some of the most recent collections that have shown up recently that are not mine from XXXX, Transunion and XXXX. I separated it by XXXX PDF files. \n\nPlease consider this letter a formal complaint. I expect a response within the timeframe outlined by the FCRA. Failure to comply with the necessary standards may result in further legal action.\n\nThank you for your prompt attention to this matter. I look forward to resolving this issue amicably and efficiently. Please contact me at your earliest convenience should you require further information. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-22T20:19:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11354","tags":null,"has_narrative":true,"complaint_id":"11686947","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-22T20:19:13.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Written <em>confirmation</em> of the resolution and an updated credit report reflecting the <em>corrections</em>.\n\nCompensation for any damages incurred as a result of the negligence, as stipulated under 15 U.S.C. 1681o.\n\n<em>Supporting</em> Documents : I <em>have</em> <em>attached</em> the following documents to <em>support</em> my dispute : I <em>have</em> <em>attached</em> some of the most recent collections that <em>have</em> shown up recently that are not mine from XXXX, Transunion and XXXX. I separated it by XXXX PDF files."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[16.185549,"11686947"]},{"_index":"complaint-public-v1","_id":"11772191","_score":16.18493,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute Letter Under 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Iowa XXXX Dear CFPB, I am writing to file a formal dispute under 15 U.S.C. 1681o, concerning civil liability for negligent noncompliance under the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer have been violated due to the negligent actions of Experian, XXXX XXXX XXXX. resulting in inaccurate or incomplete information on my credit report. \n\nBackground of the Issue : On XX/XX/XXXXXXXX  I discovered new inaccuracies on my credit report, which include incorrect account balances, accounts not belonging to me, or outdated information. \nThese inaccuracies have adversely affected my creditworthiness, causing me and my family denial of credit, stress not able to obtain loans and of course emotional distress. \n\nI have also found incorrect addresses that I never had which I also have to correct. \nMany Charge offs I was unaware of. \n\nDetails of Negligent Noncompliance : Experian, XXXX XXXX XXXX failed to meet the required standards for accuracy and diligence as stipulated under the FCRA. Specifically : Failure to Maintain Reasonable Procedures : The agency did not implement or follow reasonable procedures to ensure the maximum possible accuracy of the information reported about me. \n\nFailure to Investigate and Correct Errors : Despite my previous disputes submitted between XX/XX/XXXX until now XX/XX/XXXX the agency failed to conduct a reasonable reinvestigation or correct the errors as required by 15 U.S.C. 1681i. I have not only disputed electronically but also on the phone. Promised follow ups that were never returned. \n\nNegligent Reporting Practices : By providing and maintaining incorrect information, Experian, XXXX XXXX XXXX acted negligently and caused harm to my financial standing. \n\nRequested Resolution : To resolve this matter, I respectfully request the following : A thorough reinvestigation of the inaccuracies listed in my credit report, including all supporting evidence provided. \n\nImmediate correction or deletion of all inaccurate information. \n\nWritten confirmation of the resolution and an updated credit report reflecting the corrections. \n\nCompensation for any damages incurred as a result of the negligence, as stipulated under 15 U.S.C. 1681o. \n\nSupporting Documents : I have attached the following documents to support my dispute : I have attached some of the most recent collections that have shown up recently that are not mine from XXXX, XXXX and Experian. I separated it by XXXX PDF files. \n\nPlease consider this letter a formal complaint. I expect a response within the timeframe outlined by the FCRA. Failure to comply with the necessary standards may result in further legal action. \n\nThank you for your prompt attention to this matter. I look forward to resolving this issue amicably and efficiently. Please contact me at your earliest convenience should you require further information. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-22T20:19:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11354","tags":null,"has_narrative":true,"complaint_id":"11772191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-22T19:43:54.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Written <em>confirmation</em> of the resolution and an updated credit report reflecting the <em>corrections</em>. \n\nCompensation for any damages incurred as a result of the negligence, as stipulated under 15 U.S.C. 1681o. \n\n<em>Supporting</em> Documents : I <em>have</em> <em>attached</em> the following documents to <em>support</em> my dispute : I <em>have</em> <em>attached</em> some of the most recent collections that <em>have</em> shown up recently that are not mine from XXXX, XXXX and Experian. I separated it by XXXX PDF files."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[16.18493,"11772191"]},{"_index":"complaint-public-v1","_id":"21419722","_score":15.885131,"_source":{"product":"Mortgage","complaint_what_happened":"I am submitting this complaint regarding LoanCares failure to properly calculate my mortgage escrow account despite receiving documentation of an approved property tax exemption. \n\nMy property has been granted a 100 % XXXX Veteran Property Tax Exemption by the XXXX XXXX XXXX XXXX. This exemption is already approved and active. I have provided LoanCare with all required documentation, including the XXXX approval and VA confirmation of a 100 % XXXX rating. \n\nDespite this, LoanCare continues to calculate my escrow using an annual property tax amount of approximately {$22000.00} and has advised that no correction will be made until a future tax bill reflects the exemption. This position is not appropriate, as the exemption is not pendingit is already in effect. \n\nAfter being provided documentation of the approved exemption, LoanCare conducted a new escrow analysis and increased my monthly payment based on this incorrect tax amount. The updated analysis reflects approximately {$1800.00} per month in property taxes and an additional shortage amount, resulting in a significantly increased monthly payment or a required lump sum payment. \n\nAs a result of LoanCares actions XXXX XXXX  My escrow account is being calculated incorrectly XXXX My monthly mortgage payment is inflated XXXX LoanCare is collecting funds for property taxes that are legally exempt I have made multiple attempts to resolve this directly with LoanCare, including providing documentation and requesting an escrow reanalysis. The issue remains unresolved. \n\nI am requesting the following resolution : XXXX Immediate escrow reanalysis using the approved exemption documentation XXXX Adjustment of projected property taxes to reflect a {$0.00} tax liability or removal of the tax escrow requirement XXXX  Correction of my monthly payment XXXX Review and refund of any improperly collected escrow funds Supporting documentation is attached, including the Assessors approval letter, VA disability documentation, escrow analysis, and correspondence with LoanCare.\n\nLoanCare has been provided with documentation of an approved and active exemption yet continues to calculate escrow as if the tax liability exists. This reflects a failure to properly evaluate borrower-provided documentation and correct a known servicing error.","date_sent_to_company":"2026-04-20T23:22:28.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"60443","tags":"Servicemember","has_narrative":true,"complaint_id":"21419722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2026-04-20T23:04:42.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["I <em>have</em> provided LoanCare with all required documentation, including the XXXX approval and VA <em>confirmation</em> of a 100 % XXXX rating. \n\nDespite this, LoanCare continues to calculate my escrow using an annual property tax amount of approximately {$22000.00} and has advised that no <em>correction</em> will be made until a future tax bill reflects the exemption. This position is not appropriate, as the exemption is not pendingit is already in effect."]},"sort":[15.885131,"21419722"]},{"_index":"complaint-public-v1","_id":"8174715","_score":15.801692,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I trust this letter finds you well. I am writing to express my ongoing concern and dissatisfaction with the numerous attempts to correct the reporting of late open account on my credit report, which is maintained by three Credit Bureaus. Despite my concerted efforts to rectify this issue, the late open account persist, adversely affecting my creditworthiness. \n\nThe late open account in question still appeared on my credit file and it have been inaccurately reported as opened late. I have attached copies of supporting documents such as Driver 's License, SSN, and POA, to substantiate my claims and demonstrate the incorrect reporting of this account. \n\nI have undertaken several steps to address this issue : I have submitted disputes through your bureau, providing detailed explanations and supporting documentation to contest the inaccurate reporting of this late open account. \n\nI have communicated directly with the creditors associated with this account, seeking their cooperation in correcting the reported opening dates. Unfortunately, these efforts have not yielded the desired outcome. \n\nI have followed the appropriate channels to dispute this inaccuracies multiple times, yet the late open account persist on my credit report. \n\nThe continual reporting of late open account on my credit report has a profound impact on my credit score and financial opportunities. It is crucial that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. \n\nI kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported late open account, verifying their accuracy and timeliness. \n\nCollaborate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of this account. \n\nProvide me with written confirmation of the correction within the exact timeframe from the date of this letter. \n\nImplement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. \n\nAdvise me on any additional steps or information required from my end to expedite this process. \n\nI recognize the importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. \n\nI request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. \n\nI appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX Balance : {$180.00}.","date_sent_to_company":"2024-01-19T06:18:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32073","tags":null,"has_narrative":true,"complaint_id":"8174715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-19T06:18:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The late open account in question still appeared on my credit file and it <em>have</em> been inaccurately reported as opened late. I <em>have</em> <em>attached</em> copies of <em>supporting</em> documents such as Driver 's License, SSN, and POA, to substantiate my claims and demonstrate the incorrect reporting of this account."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[15.801692,"8174715"]},{"_index":"complaint-public-v1","_id":"8174716","_score":15.800739,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I trust this letter finds you well. I am writing to express my ongoing concern and dissatisfaction with the numerous attempts to correct the reporting of late open account on my credit report, which is maintained by three Credit Bureaus. Despite my concerted efforts to rectify this issue, the late open account persist, adversely affecting my creditworthiness. \n\nThe late open account in question still appeared on my credit file and it have been inaccurately reported as opened late. I have attached copies of supporting documents such as Driver 's License, SSN, and POA, to substantiate my claims and demonstrate the incorrect reporting of this account. \n\nI have undertaken several steps to address this issue : I have submitted disputes through your bureau, providing detailed explanations and supporting documentation to contest the inaccurate reporting of this late open account. \n\nI have communicated directly with the creditors associated with this account, seeking their cooperation in correcting the reported opening dates. Unfortunately, these efforts have not yielded the desired outcome. \n\nI have followed the appropriate channels to dispute this inaccuracies multiple times, yet the late open account persist on my credit report. \n\nThe continual reporting of late open account on my credit report has a profound impact on my credit score and financial opportunities. It is crucial that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. \n\nI kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported late open account, verifying their accuracy and timeliness. \n\nCollaborate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of this account. \n\nProvide me with written confirmation of the correction within the exact timeframe from the date of this letter. \n\nImplement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. \n\nAdvise me on any additional steps or information required from my end to expedite this process. \n\nI recognize the importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. \n\nI request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. \n\nI appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX Balance : {$180.00}.","date_sent_to_company":"2024-01-19T06:18:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32073","tags":null,"has_narrative":true,"complaint_id":"8174716","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-19T06:18:30.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The late open account in question still appeared on my credit file and it <em>have</em> been inaccurately reported as opened late. I <em>have</em> <em>attached</em> copies of <em>supporting</em> documents such as Driver 's License, SSN, and POA, to substantiate my claims and demonstrate the incorrect reporting of this account."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[15.800739,"8174716"]},{"_index":"complaint-public-v1","_id":"7659052","_score":15.169874,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to correct a late open account that is still erroneously reported on my credit report. Despite my diligent efforts to rectify this issue, I am disappointed to find that it continues to adversely affect my creditworthiness. \n\nI first contacted your agency to report and dispute a late open account on my credit report that I believe to be inaccurate. Since then, I have made several subsequent attempts to resolve this issue by providing all necessary documentation to substantiate my claim and following your agency 's dispute procedures diligently. \n\nRegrettably, despite my persistent efforts, the late open account remains on my credit report, causing significant harm to my credit score and overall financial stability. This inaccurately reported account negatively impacts my ability to secure loans, housing, and employment opportunities, and it has eroded my trust in your agency 's ability to maintain accurate credit reports. \n\nI have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of the late open account. It is imperative to emphasize that this discrepancy is not a reflection of my financial responsibility, but rather a recurring error on my credit report. \n\nI urgently request that you take immediate and definitive action to correct this inaccuracy by removing the late open account from my credit report. I have provided substantial evidence to support my claim, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the correction has been made. \n\nFurthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Ensuring the accuracy of credit reports is paramount for maintaining trust and confidence in the financial system. \n\nIf this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to correct this late open account immediately : XXXX XXXX XXXX : {$900.00}.","date_sent_to_company":"2023-10-07T05:36:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75039","tags":null,"has_narrative":true,"complaint_id":"7659052","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-07T05:36:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>have</em> provided substantial evidence to <em>support</em> my claim, and it is essential that this matter is resolved without further delay. Additionally, I request written <em>confirmation</em> once the <em>correction</em> has been made. \n\nFurthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such <em>errors</em> in the future. Ensuring the accuracy of credit reports is paramount for maintaining trust and confidence in the financial system."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[15.169874,"7659052"]},{"_index":"complaint-public-v1","_id":"7848286","_score":15.0148535,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter finds you well. I am writing to express my continued frustration and concern regarding the multiple attempts I have made to remove fraudulent items from my credit report, which persist despite my diligent efforts. I initially contacted your agency to report and dispute several fraudulent items on my credit report. These fraudulent items include specific fraudulent items, such as unauthorized accounts, late payments, or other inaccuracies. Since then, I have made multiple additional attempts to rectify this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. Despite my persistent efforts, these fraudulent items remain on my credit report, causing significant damage to my credit score and overall financial well-being. These inaccuracies have a direct impact on my ability to secure loans, housing, employment opportunities, and have severely eroded my trust in your agency 's ability to maintain accurate credit reports. I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of these fraudulent items. It is crucial to emphasize that these items are the result of unauthorized transactions and are not a reflection of my financial responsibility. I urgently request that you take immediate and definitive action to remove these fraudulent items from my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the corrections have been made. Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Accuracy in credit reporting is essential to maintaining trust and confidence in the financial system. If this matter is not addressed promptly and resolved to my satisfaction, I XXXX have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. Kindly assist me to remove these following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-11-14T08:44:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85037","tags":null,"has_narrative":true,"complaint_id":"7848286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-14T08:44:20.000Z","state":"AZ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>have</em> provided substantial evidence to <em>support</em> my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written <em>confirmation</em> once the <em>corrections</em> <em>have</em> been made. Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such <em>errors</em> in the future. Accuracy in credit reporting is essential to maintaining trust and confidence in the financial system."]},"sort":[15.0148535,"7848286"]},{"_index":"complaint-public-v1","_id":"7849037","_score":14.998336,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter finds you well. I am writing to express my continued frustration and concern regarding the multiple attempts I have made to remove fraudulent items from my credit report, which persist despite my diligent efforts. I initially contacted your agency to report and dispute several fraudulent items on my credit report. These fraudulent items include specific fraudulent items, such as unauthorized accounts, late payments, or other inaccuracies. Since then, I have made multiple additional attempts to rectify this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. Despite my persistent efforts, these fraudulent items remain on my credit report, causing significant damage to my credit score and overall financial well-being. These inaccuracies have a direct impact on my ability to secure loans, housing, employment opportunities, and have severely eroded my trust in your agency 's ability to maintain accurate credit reports. I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of these fraudulent items. It is crucial to emphasize that these items are the result of unauthorized transactions and are not a reflection of my financial responsibility. I urgently request that you take immediate and definitive action to remove these fraudulent items from my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the corrections have been made. Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Accuracy in credit reporting is essential to maintaining trust and confidence in the financial system. If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. Kindly assist me to remove these following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-11-14T08:44:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85037","tags":null,"has_narrative":true,"complaint_id":"7849037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-14T08:44:20.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>have</em> provided substantial evidence to <em>support</em> my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written <em>confirmation</em> once the <em>corrections</em> <em>have</em> been made. Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such <em>errors</em> in the future. Accuracy in credit reporting is essential to maintaining trust and confidence in the financial system."]},"sort":[14.998336,"7849037"]},{"_index":"complaint-public-v1","_id":"7848283","_score":14.97519,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter finds you well. I am writing to express my continued frustration and concern regarding the multiple attempts I have made to remove fraudulent items from my credit report, which persist despite my diligent efforts. I initially contacted your agency to report and dispute several fraudulent items on my credit report. These fraudulent items include specific fraudulent items, such as unauthorized accounts, late payments, or other inaccuracies. Since then, I have made multiple additional attempts to rectify this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. Despite my persistent efforts, these fraudulent items remain on my credit report, causing significant damage to my credit score and overall financial well-being. These inaccuracies have a direct impact on my ability to secure loans, housing, employment opportunities, and have severely eroded my trust in your agency 's ability to maintain accurate credit reports. I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of these fraudulent items. It is crucial to emphasize that these items are the result of unauthorized transactions and are not a reflection of my financial responsibility. I urgently request that you take immediate and definitive action to remove these fraudulent items from my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the corrections have been made. Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Accuracy in credit reporting is essential to maintaining trust and confidence in the financial system. If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. Kindly assist me to remove these following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-11-14T08:44:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85037","tags":null,"has_narrative":true,"complaint_id":"7848283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-14T08:39:07.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>have</em> provided substantial evidence to <em>support</em> my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written <em>confirmation</em> once the <em>corrections</em> <em>have</em> been made. Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such <em>errors</em> in the future. Accuracy in credit reporting is essential to maintaining trust and confidence in the financial system."]},"sort":[14.97519,"7848283"]},{"_index":"complaint-public-v1","_id":"5765950","_score":14.750568,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I obtained a car loan from Truist through the dealer. \nI successfully setup autopayment after a bit of trouble, but got confirmation. \nWhen the autodraft did not happen, I struggled to reach and inform Truist to fix it. \nI was sent to their collection department I repeatedly contacted them to help me Finally, a \" Client Advocate '' representative reviewed my documentation and promised to help. \nXXXX weeks later, I have not heard anything from them and no corrections have been made. \nThis is well beyond any service-level agreement for a well documented client impacting bank error Please help? \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Log of activity and communications -- -- -- -- -- XX/XX/XXXX Purchase car with Truist loan XX/XX/XXXX XXXX -- email from me to Dealer XXXX XXXX XXXX  : When will I ever hear from Truist? \n-- -- -- - XX/XX/XXXX XXXX - I setup Autodraft myself for {$590.00} to start XX/XX/XXXX. \nConfirmation number XXXX XX/XX/XXXX XXXX -- I received email confirmation of Autodraft setup ( attached ) XX/XX/XXXX XXXX -- I called to get help logging in. on hold for web support -- call dropped by them XX/XX/XXXX XXXX -- I called to get help logging in. on hold for web support -- call dropped by them XX/XX/XXXX XXXX -- I called to get help logging in. on hold for web support -- call dropped by them XX/XX/XXXX -- date first autodraft supposed to happen -- - XX/XX/XXXX -- payment reminder received XX/XX/XXXX XXXX -- I called to inform them of payment problem. on hold for support -- call dropped by them XX/XX/XXXX XXXX -- I called to inform them of payment problem. on hold for support -- call dropped by them XX/XX/XXXX XXXX -- I contacted Truist support via Chat to inform of autodraft failure XX/XX/XXXX XXXX -- online autodraft confirmation uploaded to chat XX/XX/XXXX dunning card mailer -- {$590.00} past due and {$15.00} XXXX XXXX. XXXX XX/XX/XXXX dunning Letter recd -- {$590.00} has not been received XX/XX/XXXX -- XXXX XXXX to @ TruistNews : Public Problem Statement -- no response XX/XX/XXXX XXXX -- XXXX PM to TruistNews : outline of problem, request help XX/XX/XXXX XXXX -- XXXX PM to TruistNews : Bumped due to no response XX/XX/XXXX XXXX -- XXXX to TruistNews : why are you blowing me off? \nXX/XX/XXXX XXXX -- XXXX from TruistNews : We realize we did not reach out to you.. But nothing?? \n\nXX/XX/XXXX XXXX -- email alert from Truist : my payment is late - \" {$1100.00} due on XXXX for your Loan account ending in XXXX is now past due. '' XX/XX/XXXX XXXX -- call from Collections : informed of problem, on hold XXXX minutes then call dropped by them XX/XX/XXXX XXXX -- received all USPS mail being held while on vacation ( see above XX/XX/XXXX & XX/XX/XXXX ). I noticed they have charged Fees and Interest for their failure to take autodraft. This may be systemic mistreatment and Fee abuse of an elder. \n\nXX/XX/XXXX XXXX - XXXX XXXX to TruistNews : Sent this log, chat transcript and Autodraft Confirmation. \nXX/XX/XXXX XXXX - XXXX XXXX from TruistNews : \" Thank you for providing your information and those further details, XXXX XXXX We will reach out as soon as possible to speak with you once your concerns have been reviewed in totality and we appreciate the opportunity to assist in this matter. XXXX '' XX/XX/XXXX XXXX call from Client Advocacy XXXX XXXX XXXX XXXX - XXXX - If I bring it back current, then she will remove fees and correct Interest charged - Paid XXXX for both payments XX/XX/XXXX, XXXX. Email from XXXX XXXX - \" I was able to get your late fee reversed, I placed a request for correction and a explanation for the interest overcharge, Im still waiting on a response from our lending team on this. I will let you know as soon as this is done. I truly appreciate your patience with us. \" XX/XX/XXXX. NOTHING - No communication from Truist - No reversal of Fees on statements - No reversal of incorrect Interest Charged - Writing to : Consumer Financial Protection Agency Director of Client Advocacy on XXXX XXXX XXXX, Client Advocate","date_sent_to_company":"2022-07-13T18:15:03.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"28037","tags":"Older American","has_narrative":true,"complaint_id":"5765950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2022-07-13T17:44:24.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with the interest rate"},"highlight":{"complaint_what_happened":["<em>Confirmation</em> number XXXX XX/XX/XXXX XXXX -- I received email <em>confirmation</em> of Autodraft setup ( <em>attached</em> ) XX/XX/XXXX XXXX -- I called to get help logging in. on hold for web <em>support</em> -- call dropped by them XX/XX/XXXX XXXX -- I called to get help logging in. on hold for web <em>support</em> -- call dropped by them XX/XX/XXXX XXXX -- I called to get help logging in. on hold for web <em>support</em> -- call dropped by them XX/XX/XXXX -- date first autodraft supposed to happen -- - XX/XX/XXXX -- payment reminder received"]},"sort":[14.750568,"5765950"]},{"_index":"complaint-public-v1","_id":"12807461","_score":14.6428995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"( Experian + TransUnion Systemic Noncompliance and Legal Obstruction ) I am filing this complaint against Experian and TransUnion for ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) and for engaging in what can only be described as systemic obstruction, inhumane handling of consumer rights, and deliberate noncompliance with federal law.\n\nThis case concerns the reporting of false late payments on two open accounts : XXXXXXXX XXXX  Account ending in XXXX XXXX XXXX Account ending in XXXX After more than two years of unsuccessful disputes and certified letters, I exercised my full legal rights by filing an FTC Identity Theft Report on XX/XX/XXXX ( FTC Report Number : XXXX ) and submitting a formal request under FCRA XXXX, which requires credit reporting agencies to block or correct inaccurate, unauthorized information within 4 business days of receipt. \n\n\n\nXXXX Has Already Corrected the Records Importantly, XXXX has fully investigated and removed the false late payments, validating that the information furnished was inaccurate, unverified, and unlawfully reported.\n\nExperian and TransUnion now have no legal, factual, or ethical basis to continue reporting the same false information yet both continue to willfully ignore federal law.\n\nExperians Violations Include : Blocking me from uploading documents via their own portal ( 404 error, screenshot attached ) Emailing instructions to call, yet disconnecting my calls after ZIP code entry ( over 10 attempts, call logs attached ) Requiring resubmission of ID and proof of address after I had already sent them Blocking access to my dispute results online Providing no live support, escalation path, or acknowledgment of legal obligations under 605B TransUnions Violations Include : On XX/XX/XXXX, I contacted XXXX and spoke with a representative named XXXX in the Special Handling Department.\n\nI gave my FTC report number and explicitly invoked my rights under FCRA 605B. \nI was told the matter would be escalated to a supervisor. \nNo written confirmation, no update, and no correction has occurred. \n\nThey were legally notified on XX/XX/XXXX, and the 4-business-day window for correction is now active. They are already in breach if no correction is made by the deadline.\n\nThis Is Not a Dispute. This Is a Legal Filing Under Federal Law.\n\nI am not disputing ownership of these accounts. I am disputing false, damaging late payment data that was not legally reported, not properly verified, and now proven to be invalid by XXXX. \n\nExperian and XXXX refusal to comply with federal timelines, combined with their inaccessibility and disregard for legal documentation, constitutes : FCRA 605B violation ( Failure to block unauthorized information ) FCRA 1681i ( Failure to conduct a reasonable reinvestigation ) FCRA 616 & 617 ( Willful and negligent noncompliance ) This Is Systemic Abuse of Power and Human Dignity It is inhumane for billion-dollar companies to trap everyday people in endless disputes, block access to systems designed to protect us, and leave our credit, stability, and dignity in limbo for years.\n\nI have followed every legal step.\n\nI have submitted every document repeatedly.\n\nI have exhausted every channel.\n\nAnd I will now take this public.\n\nI am publishing this case to protect others, raise awareness, and escalate this to congressional and media attention if necessary.\n\nI Am Demanding : 1. Immediate removal or correction of the false late payments 2. Formal, written acknowledgment of my FTC Identity Theft Report under 605B 3. A CFPB-led investigation into Experian and TransUnions dispute handling practices, identity theft obstruction, and consumer harm Submitted Documentation Includes : FTC Identity Theft Report ( filed XX/XX/XXXX ) Government-issued ID Proof of current address Screenshot of Experians broken upload portal ( 404 error ) Screenshot of dispute results being blocked Screenshot of Experians email instructing me to call Call log proving 10+ failed attempts Confirmation that XXXX has already corrected the data This is not just about credit this is about legal rights, human dignity, and the duty of federal agencies to protect consumers from corporate abuse.\n\nI expect full resolution and enforcement. \nAnd I will not stop until accountability is served.","date_sent_to_company":"2025-04-03T13:25:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32806","tags":null,"has_narrative":true,"complaint_id":"12807461","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-03T13:24:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Experians Violations Include : Blocking me from uploading documents via their own portal ( 404 <em>error</em>, screenshot <em>attached</em> ) Emailing instructions to call, yet disconnecting my calls after ZIP code entry ( over 10 attempts, call logs <em>attached</em> ) Requiring resubmission of ID and proof of address after I had already sent them Blocking access to my dispute results online <em>Providing</em> no live <em>support</em>, escalation path, or acknowledgment of legal obligations under 605B TransUnions Violations Include : On XX"]},"sort":[14.6428995,"12807461"]},{"_index":"complaint-public-v1","_id":"12807141","_score":14.620244,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"( Experian + TransUnion Systemic Noncompliance and Legal Obstruction ) I am filing this complaint against Experian and TransUnion for ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) and for engaging in what can only be described as systemic obstruction, inhumane handling of consumer rights, and deliberate noncompliance with federal law.\n\nThis case concerns the reporting of false late payments on two open accounts : XXXXXXXX XXXX  Account ending in XXXX XXXX XXXX Account ending in XXXX After more than two years of unsuccessful disputes and certified letters, I exercised my full legal rights by filing an FTC Identity Theft Report on XX/XX/XXXX ( FTC Report Number : XXXX ) and submitting a formal request under FCRA XXXX, which requires credit reporting agencies to block or correct inaccurate, unauthorized information within 4 business days of receipt. \n\n\n\nXXXX Has Already Corrected the Records Importantly, XXXX has fully investigated and removed the false late payments, validating that the information furnished was inaccurate, unverified, and unlawfully reported.\n\nExperian and TransUnion now have no legal, factual, or ethical basis to continue reporting the same false information yet both continue to willfully ignore federal law.\n\nExperians Violations Include : Blocking me from uploading documents via their own portal ( 404 error, screenshot attached ) Emailing instructions to call, yet disconnecting my calls after ZIP code entry ( over 10 attempts, call logs attached ) Requiring resubmission of ID and proof of address after I had already sent them Blocking access to my dispute results online Providing no live support, escalation path, or acknowledgment of legal obligations under 605B TransUnions Violations Include : On XX/XX/XXXX, I contacted XXXX and spoke with a representative named XXXX in the Special Handling Department.\n\nI gave my FTC report number and explicitly invoked my rights under FCRA 605B. \nI was told the matter would be escalated to a supervisor. \nNo written confirmation, no update, and no correction has occurred. \n\nThey were legally notified on XX/XX/XXXX, and the 4-business-day window for correction is now active. They are already in breach if no correction is made by the deadline.\n\nThis Is Not a Dispute. This Is a Legal Filing Under Federal Law.\n\nI am not disputing ownership of these accounts. I am disputing false, damaging late payment data that was not legally reported, not properly verified, and now proven to be invalid by XXXX. \n\nExperian and XXXX refusal to comply with federal timelines, combined with their inaccessibility and disregard for legal documentation, constitutes : FCRA 605B violation ( Failure to block unauthorized information ) FCRA 1681i ( Failure to conduct a reasonable reinvestigation ) FCRA 616 & 617 ( Willful and negligent noncompliance ) This Is Systemic Abuse of Power and Human Dignity It is inhumane for billion-dollar companies to trap everyday people in endless disputes, block access to systems designed to protect us, and leave our credit, stability, and dignity in limbo for years.\n\nI have followed every legal step.\n\nI have submitted every document repeatedly.\n\nI have exhausted every channel.\n\nAnd I will now take this public.\n\nI am publishing this case to protect others, raise awareness, and escalate this to congressional and media attention if necessary.\n\nI Am Demanding : 1. Immediate removal or correction of the false late payments 2. Formal, written acknowledgment of my FTC Identity Theft Report under 605B 3. A CFPB-led investigation into Experian and TransUnions dispute handling practices, identity theft obstruction, and consumer harm Submitted Documentation Includes : FTC Identity Theft Report ( filed XX/XX/XXXX ) Government-issued ID Proof of current address Screenshot of Experians broken upload portal ( 404 error ) Screenshot of dispute results being blocked Screenshot of Experians email instructing me to call Call log proving 10+ failed attempts Confirmation that XXXX has already corrected the data This is not just about credit this is about legal rights, human dignity, and the duty of federal agencies to protect consumers from corporate abuse.\n\nI expect full resolution and enforcement. \nAnd I will not stop until accountability is served.","date_sent_to_company":"2025-04-03T13:25:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32806","tags":null,"has_narrative":true,"complaint_id":"12807141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-03T12:54:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Experians Violations Include : Blocking me from uploading documents via their own portal ( 404 <em>error</em>, screenshot <em>attached</em> ) Emailing instructions to call, yet disconnecting my calls after ZIP code entry ( over 10 attempts, call logs <em>attached</em> ) Requiring resubmission of ID and proof of address after I had already sent them Blocking access to my dispute results online <em>Providing</em> no live <em>support</em>, escalation path, or acknowledgment of legal obligations under 605B TransUnions Violations Include : On XX"]},"sort":[14.620244,"12807141"]},{"_index":"complaint-public-v1","_id":"16574875","_score":14.594382,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX Reply to Mr. Cooper Mortgage XXXX  To Whom It May Concern, I have reviewed the documents and the response letter from Mr. Cooper Mortgage XXXX XXXX Nationstar Mortgage LLC ) ( XXXX XXXX  ). I am writing to formally dispute the actions taken by your company regarding our homeowners insurance and to address several inaccuracies and procedural concerns. This is my response to your previous response. \n\nKey Issues : XXXX. False Claim of XXXX XXXX We received multiple letters from Mr. Cooper stating that our homeowners insurance had expired. This was incorrect. We provided proof that our insurance was active and current. Your own recent correspondence confirms that we submitted this proof and that our insurance had not expired. \nXXXX. Lack of Proper Notification Regarding XXXX XXXX XXXX  Requirement We did not receive the XX/XX/year>, letter, which, according to your company, outlined a requirement for our insurance provider to maintain a XXXX  or better rating from the XXXX XXXX XXXX XXXX XXXX. I affirm under oath that we did not receive this communication. Regardless, our insurance is with XXXX XXXX XXXX, a reputable and financially sound institution. \nXXXX. XXXX XXXX Requires Reasonable XXXX XXXX law states that a lender must accept reasonable insurance coverage. XXXX XXXX is a licensed and regulated insurance provider, and it is unreasonable to claim that it is not acceptable without providing a clear and substantiated reason. \nXXXX. XXXX of XXXX XXXX XXXX XXXX XXXX I have attached documentation from XXXX XXXX that explicitly states its Financial Strength Rating ( FSR ) is not intended to determine the suitability of any particular policy or contract for a specific purpose. Relying solely on this rating to disqualify our insurance provider is not supported by XXXX XXXX XXXX XXXX XXXX by itself and is a misapplication of their guidelines. \nXXXX. Contradictory and Incomplete Documentation Your most recent letter references an enclosed Deed of Trust, which was not included. It also cites Section XXXX, which states the mortgagee must maintain insurancesomething we have consistently done. However, your prior letters only referenced an alleged lapse in insurance coverage, not any issue related to the insurers rating. \nXXXX. XXXX XXXX Was Unwarranted Your company acted to force-place insurance based on an incorrect claim of expired coverage and without providing adequate notice regarding rating requirements. This action appears both unethical and potentially unlawful. So the XXXX months and XXXX letters prove to be invalid because of the erroneous reasons given. This also violates the time given and notices required by XXXX XXXX. \nXXXX. Our Perfect Payment History We have never missed a mortgage or any other payment. We are responsible homeowners who comply with all requirements and maintain valid insurance. The forced placement of insurance, in light of the facts above, was entirely unjustified. \n\nRequested Actions : XXXX. Immediate removal of any forced-placed insurance. \nXXXX. Full reimbursement for any charges related to this incorrect action. \nXXXX. A written correction and acknowledgment of the errors made in the handling of this matter. \nXXXX. Confirmation that our current insurance provider is acceptable going forward. \n\nI will attached relevant annotated documents, including the excerpt from XXXX XXXX own guide that supports our position. I am more than willing to discuss this further or present supporting documentation to your compliance department, board, or XXXX leadership if needed. \nWe respectfully request that this matter be resolved promptly and that our insurance status be corrected in your records.","date_sent_to_company":"2025-10-14T13:15:46.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"730XX","tags":null,"has_narrative":true,"complaint_id":"16574875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-10-14T13:05:17.000Z","state":"OK","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["A written <em>correction</em> and acknowledgment of the <em>errors</em> made in the handling of this matter. \nXXXX. <em>Confirmation</em> that our current insurance provider is acceptable going forward. \n\nI will <em>attached</em> relevant annotated documents, including the excerpt from XXXX XXXX own guide that <em>supports</em> our position. I am more than willing to discuss this further or present <em>supporting</em> documentation to your compliance department, board, or XXXX leadership if needed."]},"sort":[14.594382,"16574875"]},{"_index":"complaint-public-v1","_id":"12036929","_score":14.491668,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX TransUnion Attn : Consumer Dispute Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute and Demand for Immediate Correction Violation of FCRA Section 1681o for Civil Liability Dear Sir/Madam, I am formally disputing several inaccuracies reflected on my TransUnion credit report, which contain negligent reporting of accounts by the respective creditors : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. These entries reflect a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), and more specifically, Section 1681o, which imposes civil liability for negligent non-compliance with reporting regulations. \n\nThe following accounts are being disputed : XXXX XXXX XXXX XXXX Account Number : XXXX ( Negligently reported information, inaccurate data, and/or failure to comply with FCRA requirements ) XXXX  Account Number : XXXX ( Erroneous and incomplete reporting leading to damage of my creditworthiness ) XXXX Account Number : XXXX ( Failure to properly report and resolve discrepancies, causing negative impact ) Complaint and Legal Violations : These entries have caused substantial harm to my credit profile and have created financial and emotional distress. Each of these accounts represents a negligent reporting practice where the creditor has failed to comply with their obligations to report accurate and complete information, as mandated by the FCRA. Specifically, these accounts do not align with the truthful data I am entitled to have on my credit report.\n\nUnder FCRA Section 1681o, if a credit reporting agency, or the entity providing information to that agency, fails to comply with the FCRA due to negligence, they are civilly liable for the damages caused by their error, including but not limited to actual damages, punitive damages, and legal fees. It is clear that the failure of these entities to accurately report and correct these accounts amounts to negligence, as the data provided has been consistently false, incomplete, or outdated.\n\nI am hereby placing TransUnion, as the credit reporting agency, and the above-listed creditors on notice that if these inaccuracies are not corrected within 14 days from the date of this letter, I will pursue civil action under FCRA Section 1681o for the damages I have incurred. This will include, but is not limited to, financial restitution, punitive damages, and legal costs due to your failure to properly investigate and resolve this matter.\n\nDemand for Immediate Action : I demand the immediate removal or correction of these accounts on my credit report. Failure to comply with this request will not be tolerated, and I will take all necessary legal actions to enforce my rights under the FCRA. This is not a request ; it is a legal demand.\n\nPlease review the attached documentation showing the discrepancies in these accounts, as well as supporting records that clearly indicate the errors. If the correction is not made within the required time frame, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue all legal avenues available to me.\n\nI also expect you to provide me with written confirmation that this dispute has been resolved, including detailed proof that these accounts have been corrected or removed from my credit report. \n\nFailure to act in accordance with the law and resolve this issue will result in the full pursuit of my legal rights for both financial restitution and reputational damages. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-11T23:05:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20148","tags":null,"has_narrative":true,"complaint_id":"12036929","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-11T23:01:12.000Z","state":"VA","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":["Demand for Immediate Action : I demand the immediate removal or <em>correction</em> of these accounts on my credit report. Failure to comply with this request will not be tolerated, and I will take all necessary legal actions to enforce my rights under the FCRA. This is not a request ; it is a legal demand.\n\nPlease review the <em>attached</em> documentation showing the discrepancies in these accounts, as well as <em>supporting</em> records that clearly indicate the <em>errors</em>."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[14.491668,"12036929"]},{"_index":"complaint-public-v1","_id":"12756768","_score":14.184549,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against, transunion Equifax and Experian. Equifax sometimes accurately shows my correct payment history, for the inaccurate reporting of late payments on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable laws. Despite my dispute and supporting documentation, the credit bureau has failed to correct or remove these inaccurate late payment entries. \n\nBackground of the Dispute On XX/XX/XXXX and before that, I submitted a dispute to Transunion and Experian and Equifax, XXXX and XXXX XXXX  which was paid and closed and XXXX XXXX XXXX XXXX XXXX which incorrectly reports late payments. According to 15 U.S.C. 1666b, a payment is not legally considered late if received within 21 days of the due date, meaning these late payment entries should not have been reported. \n\nAdditionally, under 15 U.S.C. 1681s-3, any data furnishers ( such as creditors or lenders ) who provide transactional or experience-based information to credit bureaus must ensure its accuracy. If they have reported incorrect late payments, the credit bureau has an obligation to verify and correct the error. \n\nViolations of Federal Law 1. Failure to Ensure Accuracy in Credit Reporting ( 15 U.S.C. 1681e ( b ) ) Credit bureaus must maintain accurate consumer reports. The continued reporting of incorrect late payments violates this law. \n2. Failure to Verify and Correct Inaccurate Late Payments ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The credit bureau is required to conduct a reasonable reinvestigation within 30 days of a dispute. I have yet to receive a valid correction.\n\n3. Failure to Comply with Payment Timing Laws ( 15 U.S.C. 1666b ) If a payment is received within 21 days of the due date, it can not legally be reported as late.\n\n4. Failure of Data Furnisher to Provide Accurate Transactional Information ( 15 U.S.C. 1681s-3 ) The creditor providing the late payment data has failed to ensure its accuracy, and the credit bureau has failed to correct it.\n\nRequested Resolution To resolve this issue, I request the following actions from the CFPB : Immediate removal of the inaccurate late payments from my credit report.\n\nWritten confirmation that the errors have been corrected.\n\nAn investigation into Credit Bureaus and the furnishers compliance with federal laws regarding the accuracy of reported payment history. \n\nI have attached supporting documents, including my dispute letter. If this issue is not resolved promptly, I will consider further legal action. \n\nThank you for your time and assistance. I look forward to your response and a resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-01T23:27:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60438","tags":null,"has_narrative":true,"complaint_id":"12756768","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-01T23:00:24.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Written <em>confirmation</em> that the <em>errors</em> <em>have</em> been corrected.\n\nAn investigation into Credit Bureaus and the furnishers compliance with federal laws regarding the accuracy of reported payment history. \n\nI <em>have</em> <em>attached</em> <em>supporting</em> documents, including my dispute letter. If this issue is not resolved promptly, I will consider further legal action. \n\nThank you for your time and assistance. I look forward to your response and a resolution. \n\nSincerely, XXXX XXXX"]},"sort":[14.184549,"12756768"]},{"_index":"complaint-public-v1","_id":"12771747","_score":14.164911,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against, transunion Equifax and Experian. Equifax sometimes accurately shows my correct payment history, for the inaccurate reporting of late payments on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable laws. Despite my dispute and supporting documentation, the credit bureau has failed to correct or remove these inaccurate late payment entries. \n\nBackground of the Dispute On XX/XX/XXXX and before that, I submitted a dispute to Transunion and Experian and Equifax, XXXX and XXXX XXXX  which was paid and closed and XXXX XXXX XXXX XXXX XXXX which incorrectly reports late payments. According to 15 U.S.C. 1666b, a payment is not legally considered late if received within 21 days of the due date, meaning these late payment entries should not have been reported. \n\nAdditionally, under 15 U.S.C. 1681s-3, any data furnishers ( such as creditors or lenders ) who provide transactional or experience-based information to credit bureaus must ensure its accuracy. If they have reported incorrect late payments, the credit bureau has an obligation to verify and correct the error. \n\nViolations of Federal Law 1. Failure to Ensure Accuracy in Credit Reporting ( 15 U.S.C. 1681e ( b ) ) Credit bureaus must maintain accurate consumer reports. The continued reporting of incorrect late payments violates this law. \n2. Failure to Verify and Correct Inaccurate Late Payments ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The credit bureau is required to conduct a reasonable reinvestigation within 30 days of a dispute. I have yet to receive a valid correction.\n\n3. Failure to Comply with Payment Timing Laws ( 15 U.S.C. 1666b ) If a payment is received within 21 days of the due date, it can not legally be reported as late.\n\n4. Failure of Data Furnisher to Provide Accurate Transactional Information ( 15 U.S.C. 1681s-3 ) The creditor providing the late payment data has failed to ensure its accuracy, and the credit bureau has failed to correct it.\n\nRequested Resolution To resolve this issue, I request the following actions from the CFPB : Immediate removal of the inaccurate late payments from my credit report.\n\nWritten confirmation that the errors have been corrected.\n\nAn investigation into Credit Bureaus and the furnishers compliance with federal laws regarding the accuracy of reported payment history. \n\nI have attached supporting documents, including my dispute letter. If this issue is not resolved promptly, I will consider further legal action. \n\nThank you for your time and assistance. I look forward to your response and a resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-01T23:27:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60438","tags":null,"has_narrative":true,"complaint_id":"12771747","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-01T23:26:55.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Written <em>confirmation</em> that the <em>errors</em> <em>have</em> been corrected.\n\nAn investigation into Credit Bureaus and the furnishers compliance with federal laws regarding the accuracy of reported payment history. \n\nI <em>have</em> <em>attached</em> <em>supporting</em> documents, including my dispute letter. If this issue is not resolved promptly, I will consider further legal action. \n\nThank you for your time and assistance. I look forward to your response and a resolution. \n\nSincerely, XXXX XXXX"]},"sort":[14.164911,"12771747"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":108,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":108}]}},"product":{"doc_count":108,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":81,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":81}]}},{"key":"Credit card","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":7}]}},{"key":"Debt collection","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":2},{"key":"Other 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