{"took":111,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":175,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1929250","_score":15.885688,"_source":{"product":"Mortgage","complaint_what_happened":"Our firm, XXXX XXXX, has been monitoring our client 's request for mortgage assistance with Seterus to ensure its compliance with Regulation X and other pertinent servicing guides. This is the third CFPB complaint we have had to file in connection with this client. After a year of back and forth Notices of Error, Seterus finally initiated a proper evaluation of our client 's loss mitigation application for the HAMP modification program. Subsequently, our client was offered a Trial Period Plan that was to begin in XXXX 2016 and the last Trial payment would be made in XXXX 2016. \nNow that our client has completed the Trial Period Plan, Seterus 's counsel in the pending foreclosure has sent us a Home Affordable Modification Agreement to be executed, which states the first modified payment is due XXXX XXXX, 2016. According to investor ( XXXX ) guidelines, if the servicer elects to make the 1st modified payment due the 1st day of the second month following the end of the Trial Period Plan, the Borrower is not responsible for making a payment during the interim month, which in this case would be XXXX. When we contacted Seterus regarding the XXXX and XXXX payment, the representative did not disclose that information. Moreover, the representative instructed us to tell the Borrower to make the XXXX and XXXX payment as if XXXX was required. We believe that is an error and a false and deceptive statement. \nAdditionally, the Home Affordable Modification Agreement contained a provision that was not authorized by XXXX. The provision at issue is XXXX. and states the following : \" Any and all attorneys fees and legal costs incurred by Borrower or its representatives, with respect to this loan, will be the sole responsibility of the Borrower. '' Pursuant to the XXXX XXXX XXXX published on XXXX XXXX, 2016, the agreement was ONLY to be revised according to the terms provided by XXXX. The provision added by Seterus and/or its counsel was not authorized by XXXX and should be removed.","date_sent_to_company":"2016-05-17T16:32:03.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"1929250","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Seterus, Inc.","date_received":"2016-05-17T16:32:02.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We believe that is an <em>error</em> and a <em>false</em> and deceptive statement. \nAdditionally, the Home Affordable Modification Agreement contained a <em>provision</em> that was not authorized by XXXX."]},"sort":[15.885688,"1929250"]},{"_index":"complaint-public-v1","_id":"11193057","_score":14.038261,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian and XXXX XXXX XXXX for inaccurately reporting a late payment for XX/XX/year> on my credit report, which violates the CARES Act and the Fair Credit Reporting Act ( FCRA ).\n\nThis inaccurate reporting has harmed my credit score, financial standing, and opportunities to secure credit. I have previously disputed this matter with Experian but have not received a satisfactory resolution.\n\nDetails of the Complaint : Violation of the CARES Act ( Section 4021 ) : During the COVID-19 pandemic, I was under financial hardship and was placed on a relief/forbearance plan in accordance with the CARES Act.\n\nThe CARES Act prohibits creditors from reporting late payments for accounts placed under forbearance or deferment plans. \nXXXX  XXXX XXXX failed to comply with this provision by reporting my account as late for XX/XX/year>. \nInconsistency Between Credit Bureaus : The late payment is only reported by Experian. Both XXXX and XXXX show my account as current, which highlights the inaccuracy and lack of verification by Experian.\n\nViolations of the FCRA : 15 U.S.C. 1681e ( b ) : Experian failed to ensure the accuracy of my credit report by accepting and reporting false information.\n\n15 U.S.C. 1681i ( a ) : I formally disputed this error with Experian, and they failed to investigate and correct the inaccurate information within the legally required 30-day timeframe.\n\nImpact on My Credit : This inaccurate reporting has caused a significant drop in my credit score, negatively affecting my ability to secure credit opportunities and financial stability during a challenging time.","date_sent_to_company":"2024-12-17T20:59:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43081","tags":null,"has_narrative":true,"complaint_id":"11193057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-17T20:59:11.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Violations of the FCRA : 15 U.S.C. 1681e ( b ) : Experian failed to ensure the accuracy of my credit report by accepting and reporting <em>false</em> <em>information</em>.\n\n15 U.S.C. 1681i ( a ) : I formally disputed this <em>error</em> with Experian, and they failed to investigate and correct the inaccurate <em>information</em> within the legally required 30-day timeframe."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[14.038261,"11193057"]},{"_index":"complaint-public-v1","_id":"11204114","_score":14.01771,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian and XXXX XXXX XXXXXXXX for inaccurately reporting a late payment for XX/XX/year> on my credit report, which violates the CARES Act and the Fair Credit Reporting Act ( FCRA ).\n\nThis inaccurate reporting has harmed my credit score, financial standing, and opportunities to secure credit. I have previously disputed this matter with Experian but have not received a satisfactory resolution.\n\nDetails of the Complaint : Violation of the CARES Act ( Section 4021 ) : During the COVID-19 pandemic, I was under financial hardship and was\nplaced on a relief/forbearance plan in accordance with the CARES Act.\n\nThe CARES Act prohibits creditors from reporting late payments for accounts placed under forbearance or deferment plans. \nXXXX XXXX XXXXXXXX failed to comply with this provision by reporting my account as late for XX/XX/year>. \nInconsistency Between Credit Bureaus : The late payment is only reported by Experian. Both XXXX and XXXX show my account as current, which highlights the inaccuracy and lack of verification by Experian. \nViolations of the FCRA : 15 U.S.C. 1681e ( b ) : Experian failed to ensure the accuracy of my credit report by accepting and reporting false information.\n\n15 U.S.C. 1681i ( a ) : I formally disputed this error with Experian, and they failed to investigate and correct the inaccurate information within the legally required 30-day timeframe.\n\nImpact on My Credit : This inaccurate reporting has caused a significant drop in my credit score, negatively affecting my ability to secure credit opportunities and financial stability during a challenging time.","date_sent_to_company":"2024-12-17T20:59:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43081","tags":null,"has_narrative":true,"complaint_id":"11204114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-17T20:51:23.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Violations of the FCRA : 15 U.S.C. 1681e ( b ) : Experian failed to ensure the accuracy of my credit report by accepting and reporting <em>false</em> <em>information</em>.\n\n15 U.S.C. 1681i ( a ) : I formally disputed this <em>error</em> with Experian, and they failed to investigate and correct the inaccurate <em>information</em> within the legally required 30-day timeframe."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[14.01771,"11204114"]},{"_index":"complaint-public-v1","_id":"17107569","_score":13.373286,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being filed by XXXX XXXX, the authorized representative of XXXX XXXX, pursuant to a signed Consumer Authorization and Limited Assignment Agreement between XXXX XXXX and XXXX XXXX XXXX, XXXX. This complaint is directed against Equifax Information Services for its continued and willful failure to correct and verify inaccurate information within the consumers credit file, in clear violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681s-2, 1681n, and 1681o. Despite a formal dispute submitted on XX/XX/year>, and a second written follow-up on XX/XX/year>, Equifax has refused to perform a lawful and complete reinvestigation or to remove inaccurate data. The disputed account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continues to display false late-payment entries for XX/XX/year>, even after Equifax was provided evidence showing these entries were the result of the furnishers internal reporting errors, not any delinquency by the consumer. Equifaxs deliberate choice to ignore this documentation and continue publishing false information constitutes a reckless and willful disregard of its legal obligations under the FCRA.\n\nEquifaxs conduct has caused harm to the consumers credit reputation and financial standing. The companys repeated failure to correct unverifiable data after proper notice demonstrates systemic negligence and intentional non-compliance. The authorized representative hereby demands that the Consumer Financial Protection Bureau ( CFPB ) compel Equifax to take immediate corrective action, including the permanent deletion of all inaccurate and unverifiable late-payment entries, the provision of written verification identifying the entity or individual who allegedly confirmed the false data, and full disclosure of all supporting documents used during Equifaxs reinvestigation. Furthermore, Equifax must confirm in writing that XXXX XXXX credit file has been corrected and updated to reflect accurate and verified information. Equifaxs continued disregard of statutory obligations under federal law warrants CFPB intervention to enforce compliance, restore accuracy to the consumers file, and hold Equifax accountable for its willful violations of the FCRA.","date_sent_to_company":"2025-11-07T08:33:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90201","tags":null,"has_narrative":true,"complaint_id":"17107569","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-07T08:30:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The disputed account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continues to display <em>false</em> late-payment entries for XX/XX/year>, even after Equifax was provided evidence showing these entries were the result of the furnishers internal reporting <em>errors</em>, not any delinquency by the consumer. Equifaxs deliberate choice to ignore this documentation and continue publishing <em>false</em> <em>information</em> constitutes a reckless and willful disregard of its legal obligations under the FCRA."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[13.373286,"17107569"]},{"_index":"complaint-public-v1","_id":"6918580","_score":12.980892,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. \n\nI have sent several letters to TransUnion requesting an investigation. Under FCRA, I have the right as a consumer to request and receive a proper investigation. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, as a consumer, I have a right to an accurate credit reporting. I am afraid that TransUnion has not done so as I have received several stall letters and notification. that my information has been \" Verified '' instead of \" Updated '' as I have requested several times. I have been seeking a proper investigation and update to \" PAID AS AGREED '' of the accounts in question for 4 months now, and it has left me no choice BUT to file a complaint with the CFPB. \n\nThere are 2 accounts in question that I requested an investigation and Late Payment Update to those accounts : XXXX XXXX - 30 days late. \nXXXX XXXX - 30 days late In XX/XX/2023, I requested an investigation as I noticed inaccurate information. \nOn XX/XX/2023, I received correspondence from TransUnion stating these accounts are reporting accurately- which they are not. \n\nI sent another letter XX/XX/2023 stating that TransUnion are violating a few of my consumer rights. During the time of these late payments, this was during XXXX which is a result of a billing error. According to 1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act states that this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. I provided this information and in response, I received that the information on my credit report is accurate when it is inaccurate. My consumer rights have been continuously violated for the past 3 months with no resolution. \n\nOn XX/XX/2023, I receive correspondence from TransUnion stating that I am working with a third party, such as a credit repair company which is completely false as I am working my own credit. This is the 3rd stall tactic I have received and this has left me no choice, but to file a complaint. In response, I would like the following accounts to be updated to PAID AS AGREED. \n\nPlease update the following accounts to \" PAID AS AGREED '' XXXX XXXX - 30 days late XXXX XXXX - 30 days late","date_sent_to_company":"2023-05-02T05:38:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23462","tags":null,"has_narrative":true,"complaint_id":"6918580","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-02T04:54:26.000Z","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":["XXXX XXXX - 30 days late In XX/XX/2023, I requested an investigation as I noticed inaccurate <em>information</em>. \nOn XX/XX/2023, I received correspondence from TransUnion stating these accounts are reporting accurately- which they are not. \n\nI sent another letter XX/XX/2023 stating that TransUnion are violating a few of my consumer rights. <em>During</em> the time of these late payments, this was <em>during</em> XXXX which is a result of a billing <em>error</em>."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[12.980892,"6918580"]},{"_index":"complaint-public-v1","_id":"10380332","_score":12.513581,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). \n\n\nAccording to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. \n\n\nFurthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Error : The account was transferred and any late payments recorded after this date should not have been reported. The transition period led to miscommunication between the loan servicers, which resulted in an erroneous 120-day late mark.\n\nPayment Processing Delays : During the transition, my payments were processed and made on time, but due to internal delays between the servicer and XXXX, the payment was not recorded promptly, resulting in the false reporting of a delinquency. \nSystematic Error in Reporting : Despite the account being closed and transferred, the late payment was still reported for several months. This reporting error persisted even though no payments were missed, and all balances were settled before the transfer. \nI kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. \nThank you for your attention to this matter. I look forward to your prompt response. \n\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-10-08T21:43:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77354","tags":null,"has_narrative":true,"complaint_id":"10380332","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-08T21:35:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Payment Processing Delays : <em>During</em> the transition, my payments were processed and made on time, but due to internal delays between the servicer and XXXX, the payment was not recorded promptly, resulting in the <em>false</em> reporting of a delinquency. \nSystematic <em>Error</em> in Reporting : Despite the account being closed and transferred, the late payment was still reported for several months."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[12.513581,"10380332"]},{"_index":"complaint-public-v1","_id":"10380160","_score":12.513581,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). \n\n\nAccording to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. \n\n\nFurthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Error : The account was transferred and any late payments recorded after this date should not have been reported. The transition period led to miscommunication between the loan servicers, which resulted in an erroneous XXXX late mark. \nPayment Processing Delays : During the transition, my payments were processed and made on time, but due to internal delays between the servicer and XXXX, the payment was not recorded promptly, resulting in the false reporting of a delinquency. \nSystematic Error in XXXX : Despite the account being closed and transferred, the late payment was still reported for several months. This reporting error persisted even though no payments were missed, and all balances were settled before the transfer. \nI kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. \nThank you for your attention to this matter. I look forward to your prompt response. \n\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-10-08T21:44:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77354","tags":null,"has_narrative":true,"complaint_id":"10380160","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-08T21:44:03.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Payment Processing Delays : <em>During</em> the transition, my payments were processed and made on time, but due to internal delays between the servicer and XXXX, the payment was not recorded promptly, resulting in the <em>false</em> reporting of a delinquency. \nSystematic <em>Error</em> in XXXX : Despite the account being closed and transferred, the late payment was still reported for several months. This reporting <em>error</em> persisted even though no payments were missed, and all balances were settled before the transfer."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[12.513581,"10380160"]},{"_index":"complaint-public-v1","_id":"10380161","_score":12.504423,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). \n\n\nAccording to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. \n\n\nFurthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Error : The account was transferred and any late payments recorded after this date should not have been reported. The transition period led to miscommunication between the loan servicers, which resulted in an erroneous XXXX late mark. \nPayment Processing Delays : During the transition, my payments were processed and made on time, but due to internal delays between the servicer and XXXX, the payment was not recorded promptly, resulting in the false reporting of a delinquency. \nSystematic Error in Reporting : Despite the account being closed and transferred, the late payment was still reported for several months. This reporting error persisted even though no payments were missed, and all balances were settled before the transfer. \nI kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. \nThank you for your attention to this matter. I look forward to your prompt response. \n\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-10-08T21:44:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77354","tags":null,"has_narrative":true,"complaint_id":"10380161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-08T21:44:03.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Payment Processing Delays : <em>During</em> the transition, my payments were processed and made on time, but due to internal delays between the servicer and XXXX, the payment was not recorded promptly, resulting in the <em>false</em> reporting of a delinquency. \nSystematic <em>Error</em> in Reporting : Despite the account being closed and transferred, the late payment was still reported for several months."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[12.504423,"10380161"]},{"_index":"complaint-public-v1","_id":"13321203","_score":11.698582,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX. Failure to Properly Validate Debt ( XX/XX/XXXX and XX/XX/year> ) On XX/XX/year>, I sent a debt verification letter to Genesis. In response, Genesis only provided an Original Lease and a very brief eight-line table of charges, without offering further detail or explanation. \nOn XX/XX/year>, I sent a second verification request specifically asking for clarification regarding Genesiss authority to collect the alleged debt ( such as proof of assignment or agency relationship ). Genesis failed to provide any such authorization or justification. \n\nXXXX. Harassment and Misleading Statements During Collection Call ( XX/XX/year> ) On XX/XX/year>, I called Genesis service number and talked with a representative named XXXX XXXX ( collector ). I recorded this call in full compliance with applicable law and have preserved both the complete audio recording and a transcript. During this recorded call : Harassment and Threatening : The collector used an intimidating tone when I requested written documentation, threatening : Well just put it on your credit and then youll see it from Columbia debt, intending to pressure me into immediate payment.\n\nEven after I clearly stated multiple times, I need to go to think about it, the collector persistently refused to end the conversation, pushing aggressively for immediate resolution.\n\nThe collector falsely accused me of yelling ( Why are you yelling? ) when I was not, mischaracterizing my tone to intimidate and belittle me.\n\nThe collector made hostile and disparaging statements implying I was untrustworthy : You didnt pay, so you broke general practice. \n\nMisleading Representations : The collector claimed XXXX, XXXX XXXX, and XXXX were all of us without providing any clarification or documentation of this relationship, even when I specifically asked : if I pay Genesis, how could I know the apartment owner wont go after me again in the future?\n\nWhen I requested written confirmation before making any payment, the collector refused, stating I would only receive documentation after payment. \nThe collector further misrepresented the nature of debt validation by dismissing my reference to consumer rights, saying Internet is not always right and implying that the information I cited was not factual. \n\nXXXX. Provision of a Non-Functional Payment Website ( XX/XX/year> ) On XX/XX/year>, the same representative from Genesis sent me an email directing me to pay through a specific website requiring registration. When I attempted to proceed, the system responded with the following error message : Account Finding Failure Were sorry, we could not find your account. Our staff has been emailed to see if we can locate your account for you with the information youve provided. Well be in touch as soon as we can find your account!\n\nDespite the websites claim that their staff would contact me, no follow-up was ever provided. \nI attempted the registration process twice, but both attempts failed. \n\nXXXX. Subsequent Conduct and Failure to Respond to Dispute ( XXXX XXXX XXXX, XXXX ) On XX/XX/year>, when I called XXXX again, the operator transferred me immediately back to the same aggressive representative without informing me or offering an alternative representative, preventing reasonable communication and resolution. \nThat same day, I sent Genesis a formal dispute letter specifically stating two issues : 1. Harassment during a collection call ; and 2. Provision of a fake or non-functional payment website. \n\nDespite this formal notice, as of XX/XX/year>, Genesis had not responded to my dispute.","date_sent_to_company":"2025-05-13T20:33:07.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Rental debt","zip_code":"122XX","tags":null,"has_narrative":true,"complaint_id":"13321203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-05-03T22:21:02.000Z","state":"NY","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Harassment <em>during</em> a collection call ; and 2. <em>Provision</em> of a fake or non-functional payment website. \n\nDespite this formal notice, as of XX/XX/year>, Genesis had not responded to my dispute."]},"sort":[11.698582,"13321203"]},{"_index":"complaint-public-v1","_id":"11992597","_score":11.684062,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against BMW Financial Services for : Harassment and unethical debt collection practices Inaccurate and misleading credit reporting Improper use of law enforcement for debt intimidation Violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) Their actions have caused emotional distress, financial harm, and a negative impact on my credit report BMW Financial Services engaged in harassment to collect the debt, including involving law enforcement to intimidate me into making payments. This behavior is unethical, abusive, and potentially unlawful under federal debt collection laws. \nXXXX. Inaccurate and Inconsistent Credit Reporting : The auto loan account, opened on XX/XX/XXXX, was closed on XX/XX/XXXX, after the vehicle was returned to BMW Financial Services in XX/XX/XXXX. Despite this, the account is inaccurately reported as : Profit and Loss Write-off Transferred to Recovery Showing a balance of {$45000.00}, which is incorrect Additionally, during the process of trading in my previous vehicle ( which had a perfect payment history and was paid in full ), BMW Financial Services caused a late payment to be reported on my credit report. For XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX This late payment was due to delays in transferring the vehicles ownershipan administrative error on their part, not a missed payment on mine.\n\n3. Misrepresentation of Account Details : Throughout the collection process, BMW Financial Services has reported different outstanding balances and provided inconsistent monthly payment amounts. This lack of transparency is deceptive and misleading. \nXXXX. Failure to Correct Inaccurate Information After Dispute : Despite disputing these inaccuracies, BMW Financial Services and the credit bureaus have failed to correct or remove the false information from my credit report. \n\n\nXXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) : Requires creditors to report accurate information to credit bureaus. BMW Financial Services has reported inaccurate balances, payment histories, and account statuses.\n\n1681i ( a ) : Requires credit bureaus to conduct a reasonable investigation of disputed information. The investigation process was inadequate, and the errors remain.\n\n1681e ( b ) : Requires creditors and bureaus to maintain maximum possible accuracy in credit reporting, which has not been upheld in this case.\n\n2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : 1692d : Prohibits harassment, oppression, or abuse in debt collection efforts. Using law enforcement as an intimidation tactic violates this provision. \n1692e : Prohibits false, deceptive, or misleading representations, including inconsistent debt amounts and threats without legal basis.\n\n1692f : Prohibits unfair or unconscionable means to collect a debt.\n\n3. Potential Abuse of Authority : The involvement of law enforcement for debt collection may constitute an abuse of power and intimidation, which is outside the scope of lawful debt recovery practices.","date_sent_to_company":"2025-02-07T07:58:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32828","tags":null,"has_narrative":true,"complaint_id":"11992597","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2025-02-07T07:35:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Failure to Correct Inaccurate <em>Information</em> After Dispute : Despite disputing these inaccuracies, BMW Financial Services and the credit bureaus have failed to correct or remove the <em>false</em> <em>information</em> from my credit report. \n\n\nXXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) : Requires creditors to report accurate <em>information</em> to credit bureaus."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[11.684062,"11992597"]},{"_index":"complaint-public-v1","_id":"11992564","_score":11.172298,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against XXXX XXXX XXXX for : Harassment and unethical debt collection practices Inaccurate and misleading credit reporting Improper use of law enforcement for debt intimidation Violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) Their actions have caused emotional distress, financial harm, and a negative impact on my credit report XXXX XXXX XXXX engaged in harassment to collect the debt, including involving law enforcement to intimidate me into making payments. This behavior is unethical, abusive, and potentially unlawful under federal debt collection laws. \nXXXX. Inaccurate and Inconsistent Credit Reporting : The auto loan account, opened on XX/XX/XXXX, was closed on XX/XX/XXXX, after the vehicle was returned to XXXX XXXX XXXX in XX/XX/XXXX. Despite this, the account is inaccurately reported as : Profit and Loss Write-off Transferred to Recovery Showing a balance of {$45000.00}, which is incorrect Additionally, during the process of trading in my previous vehicle ( which had a perfect payment history and was paid in full ), XXXX XXXX XXXX XXXX XXXX late payment to be reported on my credit report. For XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX This late payment was due to delays in transferring the vehicles ownershipan administrative error on their part, not a missed payment on mine. \nXXXX. Misrepresentation of Account Details : Throughout the collection process, XXXX XXXX XXXX has reported different outstanding balances and provided inconsistent monthly payment amounts. This lack of transparency is deceptive and misleading. \nXXXX. Failure to Correct Inaccurate Information After Dispute : Despite disputing these inaccuracies, XXXX XXXX XXXX and the credit bureaus have failed to correct or remove the false information from my credit report. \n\n\nXXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) : Requires creditors to report accurate information to credit bureaus. XXXX XXXX XXXX has reported inaccurate balances, payment histories, and account statuses. \n1681i ( a ) : Requires credit bureaus to conduct a reasonable investigation of disputed information. The investigation process was inadequate, and the errors remain.\n\n1681e ( b ) : Requires creditors and bureaus to maintain maximum possible accuracy in credit reporting, which has not been upheld in this case. \nXXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : 1692d : Prohibits harassment, oppression, or abuse in debt collection efforts. Using law enforcement as an intimidation tactic violates this provision.\n\n1692e : Prohibits false, deceptive, or misleading representations, including inconsistent debt amounts and threats without legal basis. \n1692f : Prohibits unfair or unconscionable means to collect a debt.\n\n3. Potential Abuse of Authority : The involvement of law enforcement for debt collection may constitute an abuse of power and intimidation, which is outside the scope of lawful debt recovery practices.","date_sent_to_company":"2025-02-07T07:58:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32828","tags":null,"has_narrative":true,"complaint_id":"11992564","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-07T07:58:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Failure to Correct Inaccurate <em>Information</em> After Dispute : Despite disputing these inaccuracies, XXXX XXXX XXXX and the credit bureaus have failed to correct or remove the <em>false</em> <em>information</em> from my credit report. \n\n\nXXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) : Requires creditors to report accurate <em>information</em> to credit bureaus."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[11.172298,"11992564"]},{"_index":"complaint-public-v1","_id":"11980245","_score":11.172298,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against XXXX XXXX XXXX for : Harassment and unethical debt collection practices Inaccurate and misleading credit reporting Improper use of law enforcement for debt intimidation Violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) Their actions have caused emotional distress, financial harm, and a negative impact on my credit report XXXX XXXX XXXX engaged in harassment to collect the debt, including involving law enforcement to intimidate me into making payments. This behavior is unethical, abusive, and potentially unlawful under federal debt collection laws. \nXXXX. Inaccurate and Inconsistent Credit Reporting : The auto loan account, opened on XX/XX/XXXX, was closed on XX/XX/XXXX, after the vehicle was returned to XXXX XXXX XXXX in XX/XX/XXXX. Despite this, the account is inaccurately reported as : Profit and Loss Write-off Transferred to Recovery Showing a balance of {$45000.00}, which is incorrect Additionally, during the process of trading in my previous vehicle ( which had a perfect payment history and was paid in full ), XXXX XXXX XXXX XXXX XXXX late payment to be reported on my credit report. For XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX This late payment was due to delays in transferring the vehicles ownershipan administrative error on their part, not a missed payment on mine.\n\n3. Misrepresentation of Account Details : Throughout the collection process, XXXX XXXX XXXX has reported different outstanding balances and provided inconsistent monthly payment amounts. This lack of transparency is deceptive and misleading. \nXXXX. Failure to Correct Inaccurate Information After Dispute : Despite disputing these inaccuracies, XXXX XXXX XXXX and the credit bureaus have failed to correct or remove the false information from my credit report. \n\n\nXXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) : Requires creditors to report accurate information to credit bureaus. XXXX XXXX XXXX has reported inaccurate balances, payment histories, and account statuses. \n1681i ( a ) : Requires credit bureaus to conduct a reasonable investigation of disputed information. The investigation process was inadequate, and the errors remain.\n\n1681e ( b ) : Requires creditors and bureaus to maintain maximum possible accuracy in credit reporting, which has not been upheld in this case. \nXXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : 1692d : Prohibits harassment, oppression, or abuse in debt collection efforts. Using law enforcement as an intimidation tactic violates this provision. \n1692e : Prohibits false, deceptive, or misleading representations, including inconsistent debt amounts and threats without legal basis.\n\n1692f : Prohibits unfair or unconscionable means to collect a debt.\n\n3. Potential Abuse of Authority : The involvement of law enforcement for debt collection may constitute an abuse of power and intimidation, which is outside the scope of lawful debt recovery practices.","date_sent_to_company":"2025-02-07T07:58:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32828","tags":null,"has_narrative":true,"complaint_id":"11980245","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-07T07:58:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Failure to Correct Inaccurate <em>Information</em> After Dispute : Despite disputing these inaccuracies, XXXX XXXX XXXX and the credit bureaus have failed to correct or remove the <em>false</em> <em>information</em> from my credit report. \n\n\nXXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) : Requires creditors to report accurate <em>information</em> to credit bureaus."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[11.172298,"11980245"]},{"_index":"complaint-public-v1","_id":"11994504","_score":11.158846,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against XXXX XXXX XXXX for : Harassment and unethical debt collection practices Inaccurate and misleading credit reporting Improper use of law enforcement for debt intimidation Violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) Their actions have caused emotional distress, financial harm, and a negative impact on my credit report XXXX XXXX XXXX engaged in harassment to collect the debt, including involving law enforcement to intimidate me into making payments. This behavior is unethical, abusive, and potentially unlawful under federal debt collection laws. \nXXXX. Inaccurate and Inconsistent Credit Reporting : The auto loan account, opened on XX/XX/XXXX, was closed on XX/XX/XXXX, after the vehicle was returned to XXXX XXXX XXXX in XX/XX/XXXX. Despite this, the account is inaccurately reported as : Profit and Loss Write-off Transferred to Recovery Showing a balance of {$45000.00}, which is incorrect Additionally, during the process of trading in my previous vehicle ( which had a perfect payment history and was paid in full ), XXXX XXXX XXXX XXXX XXXX late payment to be reported on my credit report. For XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX This late payment was due to delays in transferring the vehicles ownershipan administrative error on their part, not a missed payment on mine.\n\n3. Misrepresentation of Account Details : Throughout the collection process, XXXX XXXX XXXX has reported different outstanding balances and provided inconsistent monthly payment amounts. This lack of transparency is deceptive and misleading. \nXXXX. Failure to Correct Inaccurate Information After Dispute : Despite disputing these inaccuracies, XXXX XXXX XXXX and the credit bureaus have failed to correct or remove the false information from my credit report. \n\n\nXXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) : Requires creditors to report accurate information to credit bureaus. XXXX XXXX XXXX has reported inaccurate balances, payment histories, and account statuses. \n1681i ( a ) : Requires credit bureaus to conduct a reasonable investigation of disputed information. The investigation process was inadequate, and the errors remain.\n\n1681e ( b ) : Requires creditors and bureaus to maintain maximum possible accuracy in credit reporting, which has not been upheld in this case.\n\n2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : 1692d : Prohibits harassment, oppression, or abuse in debt collection efforts. Using law enforcement as an intimidation tactic violates this provision.\n\n1692e : Prohibits false, deceptive, or misleading representations, including inconsistent debt amounts and threats without legal basis. \n1692f : Prohibits unfair or unconscionable means to collect a debt.\n\n3. Potential Abuse of Authority : The involvement of law enforcement for debt collection may constitute an abuse of power and intimidation, which is outside the scope of lawful debt recovery practices.","date_sent_to_company":"2025-02-07T07:58:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32828","tags":null,"has_narrative":true,"complaint_id":"11994504","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-07T07:58:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Failure to Correct Inaccurate <em>Information</em> After Dispute : Despite disputing these inaccuracies, XXXX XXXX XXXX and the credit bureaus have failed to correct or remove the <em>false</em> <em>information</em> from my credit report. \n\n\nXXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) : Requires creditors to report accurate <em>information</em> to credit bureaus."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[11.158846,"11994504"]},{"_index":"complaint-public-v1","_id":"10470817","_score":10.749756,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against TransUnion for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness ( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors. \nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records. \n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with TransUnion, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors. \nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages. \n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections. \nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers. \n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXX XXXX XXXXXXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX XXXX XXXXXXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded.\n\n5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do. \nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX XXXX  CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:19:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470817","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-17T02:19:46.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>False</em> Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), <em>information</em> furnishers like XXXX XXXX XXXXXXXX must provide accurate <em>information</em> to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX XXXX XXXXXXXX has made <em>false</em> representations of the facts."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[10.749756,"10470817"]},{"_index":"complaint-public-v1","_id":"10470269","_score":10.74194,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against Equifax for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, XXXX detail the violations and applicable laws : XXXX. Violation of XXXX XXXX ( XXXX, XXXX XXXX. XXXX ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors.\n\nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records.\n\n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with Equifax, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors.\n\nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages.\n\n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections.\n\nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers.\n\n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXXXXXX XXXX XXXX XXXX XXXX accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded.\n\n5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do.\n\nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages.\n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX Firm CC : Attorney Generals Office CC : XXXX XXXX XXXX : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:48:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-17T02:48:17.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>False</em> Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), <em>information</em> furnishers like XXXXXXXX XXXX XXXX XXXX XXXX accurate <em>information</em> to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made <em>false</em> representations of the facts."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[10.74194,"10470269"]},{"_index":"complaint-public-v1","_id":"10470326","_score":10.734982,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against Experian for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness ( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors.\n\nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records.\n\n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with Experian, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors. \nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages.\n\n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections.\n\nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers. \n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXX XXXX  XXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded.\n\n5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do.\n\nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX XXXX  CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:34:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-17T02:34:31.000Z","state":"MA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>False</em> Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), <em>information</em> furnishers like XXXX XXXX  XXXX must provide accurate <em>information</em> to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made <em>false</em> representations of the facts."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[10.734982,"10470326"]},{"_index":"complaint-public-v1","_id":"10470772","_score":10.732925,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against TransUnion for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness ( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors. \nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records. \n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with TransUnion, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors. \nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages.\n\n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections. \nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers. \n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXX XXXX XXXXXXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX XXXX XXXXXXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded.\n\n5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do. \nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX XXXX CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:19:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470772","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-17T02:19:46.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>False</em> Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), <em>information</em> furnishers like XXXX XXXX XXXXXXXX must provide accurate <em>information</em> to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX XXXX XXXXXXXX has made <em>false</em> representations of the facts."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[10.732925,"10470772"]},{"_index":"complaint-public-v1","_id":"10470751","_score":10.732925,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against TransUnion for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness ( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors. \nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records. \n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with TransUnion, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors. \nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages. \n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections. \nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers. \n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like BXXXX XXXX XXXXXXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded. 5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FC\nRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do. \nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX XXXX  CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:19:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470751","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-17T01:39:39.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>False</em> Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), <em>information</em> furnishers like BXXXX XXXX XXXXXXXX must provide accurate <em>information</em> to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made <em>false</em> representations of the facts."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[10.732925,"10470751"]},{"_index":"complaint-public-v1","_id":"10470325","_score":10.732925,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against Experian for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness ( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors.\n\nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records.\n\n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with Experian, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors.\n\nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages.\n\n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections.\n\nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers.\n\n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXX XXXX  XXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded.\n\n5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do. \nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX XXXX  CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:34:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470325","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-17T02:34:31.000Z","state":"MA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>False</em> Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), <em>information</em> furnishers like XXXX XXXX  XXXX must provide accurate <em>information</em> to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made <em>false</em> representations of the facts."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[10.732925,"10470325"]},{"_index":"complaint-public-v1","_id":"10470270","_score":10.710796,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and the Fair Credit Billing Act ( FCBA ), XXXX XXXX. XXXX, against Equifax for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX  XXXX XXXX account # XXXX. Below, XXXX detail the violations and applicable laws : XXXX. Violation of XXXX XXXX ( XXXX, XXXX XXXX. XXXX ) Under the Fair Credit Billing Act ( FCBA ), XXXX XXXX. XXXX, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the XXXX. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors. \nLegal Consequences : Non-compliance with the XXXX XXXX result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records. \nXXXX. Billing Error Violation ( FCBA, XXXX XXXX. XXXX ) According to the XXXX, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with Equifax, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the XXXX for failing to investigate and correct billing errors. \nLegal Consequences : Under the XXXX, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages. \nXXXX. XXXX Reporting Adjustments ( CARES Act ) During the XXXX pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to XXXX, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the XXXX XXXX, XXXX XXXX. XXXX ( a ) ( XXXX ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections. \nLegal Consequences : Violations of the XXXX XXXX provisions XXXX expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers. \nXXXX. False Representation ( FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ), information furnishers like XXXX  of XXXX XXXX XXXX accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX  XXXX XXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages XXXX also be awarded. \nXXXX. Exclusion of Inaccurate Transactions ( FCRA, XXXX XXXX. XXXX ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under XXXX XXXX. XXXX, should have been excluded from my credit report by the XXXX XXXX XXXX, which they have failed to do. \nLegal Consequences : Non-compliance with this section of the FCRA XXXX result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX Firm CC : Attorney Generals Office CC : XXXX XXXX XXXX : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:48:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-17T02:48:17.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX ( a ) ( XXXX ) ( F ), the credit reporting agencies have failed to comply with this <em>provision</em> by continuing to report inaccurate late payment <em>information</em> related to my account, disregarding pandemic-related protections. \nLegal Consequences : Violations of the XXXX XXXX provisions XXXX expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers. \nXXXX. <em>False</em> Representation ( FCRA, XXXX XXXX."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[10.710796,"10470270"]},{"_index":"complaint-public-v1","_id":"10470221","_score":10.710796,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, against Equifax for inaccurately reporting late payments and maintaining erroneous information regarding my XXXX XXXX XXXX account # XXXX. Below, I detail the violations and applicable laws : 1. Violation of Payment Timeliness\n\n( FCBA, 15 U.S.C. 1666 ) Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, creditors are required to correct billing errors, including misreporting of payments made on time. In this case, the credit reporting agencies continue to report late payments without sufficient evidence to substantiate the accuracy of such claims. This failure to provide correct information violates my rights under the FCBA. The agencies have not provided any accurate information to support their reports, which constitutes a violation of the mandatory timelines for correcting billing errors.\n\nLegal Consequences : Non-compliance with the FCBA may result in penalties, including statutory damages and legal action by consumers. If proven, this could lead to further penalties and financial liability for failure to correct inaccurate billing records. \n2. Billing Error Violation ( FCBA, 15 U.S.C. 1666b ) According to the FCBA, once a billing error is disputed, the creditor must correct it within a set time frame. I have attempted to resolve this issue with Equifax, but neither the bank nor the credit reporting agencies have adequately addressed the billing errors related to the reported late payments. This represents another violation of the FCBA for failing to investigate and correct billing errors.\n\nLegal Consequences : Under the FCBA, failure to investigate and correct billing disputes could result in legal action by the affected consumer, as well as penalties including statutory damages.\n\n3. COVID-19 Reporting Adjustments ( CARES Act ) During the COVID-19 pandemic, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) provided additional protections for consumers who sought financial relief, such as deferred payments or credit modifications. If payments were deferred or modified due to COVID-19, creditors and credit reporting agencies are required to report the account as current, not delinquent. Under the CARES Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), the credit reporting agencies have failed to comply with this provision by continuing to report inaccurate late payment information related to my account, disregarding pandemic-related protections.\n\nLegal Consequences : Violations of the CARES Act provisions may expose the reporting agencies and creditors to penalties and enforcement actions by federal agencies, as well as private lawsuits by consumers.\n\n4. False Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers like XXXX XXXX XXXX must provide accurate information to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX XXXX XXXX has made false representations of the facts. Additionally, the credit reporting agencies are responsible under the FCRA for investigating disputes and preventing inaccurate information from remaining on my credit report. \nLegal Consequences : Violation of these provisions under the FCRA can lead to civil penalties, statutory damages of up to {$1000.00} per violation, and liability for actual damages caused to consumers. Further, if willful non-compliance is proven, punitive damages may also be awarded.\n\n5. Exclusion of Inaccurate Transactions ( FCRA, 15 U.S.C. 1681c ) The FCRA mandates that certain types of unverifiable or inaccurately reported information must be excluded from a consumer 's credit report. In this case, the late payments reported are unverifiable, and under 15 U.S.C. 1681c, should have been excluded from my credit report by the credit reporting agencies, which they have failed to do.\n\nLegal Consequences : Non-compliance with this section of the FCRA may result in civil liability, fines, and the potential for private lawsuits, where the affected consumer can seek actual damages, attorney 's fees, and statutory damages. \n\nI have attached the relevant documentation and expect that appropriate measures will be taken to correct my credit history without further delay. \nNext : CC : CFPB ( Consumer Financial Protection Bureau ) Mail CC : XXXX XXXX Firm CC : Attorney Generals Office CC : XXXX XXXX XXXX : Federal Trade Commission ( FTC ) CC : State Regulatory Agency","date_sent_to_company":"2024-10-17T02:48:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02124","tags":null,"has_narrative":true,"complaint_id":"10470221","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-17T02:35:17.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>False</em> Representation ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ), <em>information</em> furnishers like XXXX XXXX XXXX must provide accurate <em>information</em> to credit reporting agencies. By reporting late payments that can not be substantiated or backed with proper evidence, XXXX XXXX XXXX has made <em>false</em> representations of the facts."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[10.710796,"10470221"]},{"_index":"complaint-public-v1","_id":"9425347","_score":10.404568,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I demand removal of XXXX and the continued allowance of these inaccuracies by the XXXX major consumer reporting agencies : XXXX, XXXX, and Experian. Despite making multiple payments, XXXX has failed to update my report accurately, presenting the amount as if no payments have been made. This letter outlines the specific violations of consumer protection laws and regulations that have occurred and demands immediate corrective action. \n\nViolations of Inaccurate Reporting of Payments ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Finewise/Opploans has reported inaccurate information regarding my payments, violating the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies must not furnish information that they know or have reasonable cause to believe is inaccurate. Despite notifying XXXX multiple times, they have not corrected this error. \nFailure to Correct Inaccuracies ( 15 U.S.C. 1681i ( a ) ) I have disputed this inaccurate information with the consumer reporting agencies under 15 U.S.C. 1681i ( a ), which mandates that they must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The agencies have failed to correct these inaccuracies, allowing the false information to persist on my consumer report. \nReporting of Late Payments During XXXX ( CARES Act, Section 4021 ) During the XXXX pandemic, the CARES Act included provisions under Section 4021 that prohibited furnishers from reporting adverse information if a consumer was affected by the pandemic and had an agreement to make partial or no payments. Despite these protections, XXXX has inaccurately reported late payments and the evidence of a voice recording as previously asked pertaining to send payments and conversations. \n\nReporting of XXXX Accounts and XXXX Accounts ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ) /XXXX continues to report my charged-off account on a monthly basis, which is misleading and detrimental to my creditworthiness. Under 15 U.S.C. 1681s-2 ( a ) ( 5 ), furnishers are required to update the status of accounts accurately and promptly. \n\nDiscrimination and Unfair Treatment ( 15 U.S.C. 1691, Equal Credit Opportunity Act ) I believe that the mishandling of my account and the persistent inaccuracies could be a form of DISCRIMINATION, due to my financial hardship in 2020. Under 15 U.S.C. 1691, the Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, or age. \n\nFailure to Provide Information and Documentation ( 15 U.S.C. 1681m ) XXXX has not provided the necessary documentation and information despite my repeated requests. Under 15 U.S.C. 1681m, consumers have the right to request and receive information regarding the furnishing of their credit information. \n\nImpact of XXXX Data Breach and Identity Theft Risk As a victim of the XXXX data breach, anll of my information has been compromised, increasing the risk of identity theft and falsified information. This should have prompted a more diligent investigation by the credit reporting agencies and I Demand on the basis of the above violations and the detrimental impact on my creditworthiness, I demand the following actions : Immediate correction of the inaccurate information reported by XXXX to reflect the correct payment history. \nRemoval of any late payment entries reported during XXXX in violation of the CARES Act Immediate cessation of the monthly reporting of charged-off accounts, late payments and accurate reporting of account statuses. \nA thorough investigation into the discriminatory practices and unfair treatment I have experienced. \nProvision of all requested documentation and information regarding the reporting of transactions/experiences. \nAssurance that all reinvestigations will be conducted thoroughly and not merely processed through automated systems. \nFailure to address these demands will leave me no choice but to pursue further legal action and report these violations to the appropriate regulatory authorities, including the Federal Trade Commission ( FTC )","date_sent_to_company":"2024-07-04T15:33:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34638","tags":null,"has_narrative":true,"complaint_id":"9425347","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-04T15:33:17.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Removal of any late payment entries reported <em>during</em> XXXX in violation of the CARES Act Immediate cessation of the monthly reporting of charged-off accounts, late payments and accurate reporting of account statuses. \nA thorough investigation into the discriminatory practices and unfair treatment I have experienced. \n<em>Provision</em> of all requested documentation and <em>information</em> regarding the reporting of transactions/experiences."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[10.404568,"9425347"]},{"_index":"complaint-public-v1","_id":"11309833","_score":10.31657,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX, XXXX Represents Person The Living Man On the behalf of FOR : XXXX XXXX XXXX REPRESENTATIVE I have received the following copy of my credit report and the information provided to me in this article are inaccurate and I ask for the Company thats listed below in this document to Update my credit Report on All the Accounts listed on my credit report and to send a copy of the validation of debt letter to my mailing address I have not received any information on the investigation the credit report companys here XXXX, XXXX, Equifax have not did a proper investigation on these accounts on my credit I have not received any copy of the 1099C I have sent my copy to these Companies listed on my credit report the account have been paid in full and the 1099C that was filed on my behalf by these Companies listed on my credit report o have not received any copy from the companies that is reporting negative information on my credit report and by The Truth in Lending Act ( TILA ) is a federal law that requires lenders to disclose information about loans to consumers. The TILA aims to protect consumers from unethical lending practices and make it easier for consumers to compare loans and credit costs. The TILA applies to both \" closed-end credit '' and \" open-end credit ''. \" Closed-end credit '' includes car loans and home mortgages, while \" open-end credit '' includes credit cards and home equity lines of credit 15 USC 1601 AND BY LAW FCRA 605B in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.\n\n15 USC 1681i ( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.\n\n( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).\n\n15 U.S. Code 1 - Trusts, etc., in restraint of trade illegal ; penalty Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Everyperson who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. \n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1692g\n- Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send theconsumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by thedebt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the currentcreditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumerrequests the name and address of the original creditor, the debt collector shall cease collection of thedebt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the originalcreditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of theconsumers right to dispute the debt or request the name and address of the original creditor.\n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. \n\nXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX please Delete ALL these accounts immediately XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX 12 CFR 1026.13 - Billing error resolution.\n\n1026.13 Billing error resolution.\n\n( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.\n\n( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.\n\n( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.\n\n( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.\n\n( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.\n\n( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.\n\n( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.\n\n( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.\n\n( c ) Time for resolution ; general procedures.\n\n( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditorhas complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.\n\n( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.\n\n( 2 ) Adverse credit reports prohibited.The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.\n\n( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.\n\n( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.\n\n( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.\n\n( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditorshall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.\n\n( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumerowes all or part of the disputed amountand related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumerin writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amountas delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amountor account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all personsto whom the creditor has made a report.\n\n( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.\n\n( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.\n\n[ 76 FR 79772, Dec. 22, 2011, as amended at 81 FR 84369, Nov. 22, 2016 15 U.S. Code 1611 - Criminal liability for willful and knowing violation.\n\nWhoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. \n( 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 ) 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.\n\n( 1 ) In general.\n\nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.\n\n( 2 ) Terrorism offense.\n\nWhoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.\n\n( b ) Consecutive Sentence.Notwithstanding any other provision of law ( 1 ) a court shall not place on probation any person convicted of a violation of this section ; ( 2 ) except as provided in paragraph ( 4 ), no term of imprisonment imposed on a person under this section shall run concurrently with any other term of imprisonment imposed on the person under any other provision of law, including any term of imprisonment imposed for the felony during which the means of identification was transferred, possessed, or used ; ( 3 ) in determining any term of imprisonment to be imposed for the felony during which the means of identification was transferred, possessed, or used, a court shall not in any way reduce the term to be imposed for such crime so as to compensate for, or otherwise take into account, any separate term of imprisonment imposed or to be imposed for a violation of this section; and ( 4 ) a term of imprisonment imposed on a person for a violation of this section may, in the discretion of the court, run concurrently, in whole or in part, only with another term of imprisonment that is imposed by the court at the same time on that person for an additional violation of this section, provided that such discretion shall be exercised in accordance with any applicable guidelines and policy statements issued by the Sentencing Commission pursuant to section 994 of title 28.\n\n( c ) Definition.For purposes of this section, the term felony violation enumerated in subsection ( c ) means any offense that is a felony violation of ( 1 ) section 641 ( relating to theft of public money, property, or rewards [ 1 ] ), section 656 ( relating to theft, embezzlement, or misapplication by bank officer or employee ), or section 664 ( relating to theft from employee benefit plans ) ; ( 2 ) section 911 ( relating to false personation of citizenship ) ; ( 3 ) section 922 ( a ) ( 6 ) ( relating to false statements in connection with the acquisition of a firearm ) ; ( 4 ) any provision contained in this chapter ( relating to fraud and false statements ), other than this section or section 1028 ( a ) ( 7 ) ; ( 5 ) any provision contained in chapter 63 ( relating to mail, bank, and wire fraud ) ; ( 6 ) any provision contained in chapter 69 ( relating to nationality and citizenship ) ; ( 7 ) any provision contained in chapter 75 ( relating to passports and visas ) ; ( 8 ) section 523 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) ( relating to obtaining customer information by false pretenses ) ; ( 9 ) section 243 or 266 of the Immigration and Nationality Act ( 8 U.S.C. 1253 and 1306 ) ( relating to willfully failing to leave the United States after deportation and creating a counterfeit alien registration card ) ; ( 10 ) any provision contained in chapter 8 of title II of the Immigration and Nationality Act ( 8 U.S.C. 1321 et seq. ) ( relating to various immigration offenses ); or ( 11 ) section 208, 811, 1107 ( b ), 1128B ( a ), or 1632 of the Social Security Act ( 42 U.S.C. 408, 1011, 1307 ( b ), 1320a7b ( a ), and 1383a ) ( relating to false statements relating to programs under the Act ).\n\n( Added Pub. L. 108275, 2 ( a ), July 15, 2004, 118 Stat. 831. ) 15 U.S. Code 1692c - Communication in connection with debt.\n\n12 U.S. Code 1431 - Powers and duties of banks ( a ) Borrowing money ; issuing bonds and debentures ; general powers Each XXXX XXXX XXXX XXXX shall have power, subject to rules and regulations prescribed by theDirector, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto.\n\n( b ) Issuance of consolidated XXXX XXXX XXXX XXXX debentures ; restrictions The Office of Finance, as agent for the Banks, may issue consolidated XXXX XXXX XXXX XXXX debentures which shall be the joint and several obligations of all XXXX XXXX XXXX XXXX organized and existing under this chapter, in order to provide funds for any such bank or banks, and such debentures shall be issued upon such terms and conditions as such Office may prescribe. No such debentures shall be issued at any time if any of the assets of any XXXX XXXX XXXX XXXX are pledged to secure any debts or subject to any lien, and neither the Office of Finance nor any XXXX XXXX XXXX XXXX shall have power to pledge any of the assets of any XXXX XXXX XXXX XXXX or voluntarily to permit any lien to attach to the same while any of such debentures so issued are outstanding. The debentures issued under this section and outstanding shall at no time exceed five times the total paid-in capital of all the XXXX XXXX XXXX XXXX XXXXs of the time of the issue of such debentures. It shall be the duty of the Office of Finance not to issue debentures under this section in excess of the notes or obligations of member institutions held and secured under section 1430 ( a ) of this title by all the XXXX XXXX XXXX XXXX. \n( c ) Issuance of XXXX XXXX XXXX XXXX  bonds At any time that no debentures are outstanding under this chapter, or in order to refund all outstanding consolidated debentures issued under this section, the Office of Finance, as agent for the Banks, may issue consolidated XXXX XXXX XXXX XXXX  bonds which shall be the joint and several obligations of all the XXXX XXXX XXXX XXXX, and shall be secured and be issued upon such terms and conditions as such Office may prescribe.\n\nFCRA 605B FCRA section 604 ( a ) ( 3 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.\n\n( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.\n\n( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.\n\n( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonableperson to have substantial doubts about the accuracy of the information.\n\n( E ) Rehabilitation of private education loans ( i ) In general Notwithstanding any other provision of this section, a consumermay request a financial institution to remove from a consumer report a reported default regarding a private education loan, and such information shall not be considered inaccurate, if ( I ) the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of theconsumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institutionoffering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and ( II ) the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met.\n\n( ii ) Banking agencies ( I ) In general If a financial institutionis supervised by aFederal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.\n\n( II ) Feedback An appropriate Federal banking agency shall provide feedback to afinancial institution within 120 days of a request for approval under subclause ( I ).\n\n( iii ) Limitation ( I ) In general A consumer may obtain the benefits available under this subsection with respect to rehabilitating a loan only 1 time per loan.\n\n.\n\n15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\n( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended wit 15 U.S. Code 78i - Manipulation of security prices For a consideration, received directly or indirectly from a broker, dealer, security-based swap dealer, major security-based swap participant, or other person selling or offering for sale or purchasing or offering topurchase the security, a security-based swap, or security-based swap agreement with respect to such security, to induce thepurchase of any security registered on a national securitiesexchange, any security not so registered, any security-based swap, or any security-based swap agreement with respect to suchsecurity by the circulation or dissemination of information to the effect that the price of any such security will or is likely to rise or fall because of the market operations of any 1 or morepersons conducted for the purpose of raising or depressing the price of such security.\n\n( 6 ) To effect either alone or with one or more other persons any series of transactions for the purchase and/or sale of anysecurity other than a governmentsecurity for the purpose of pegging, fixing, or stabilizing the price of such security in contravention of such rules and regulations as the Commissionmay prescribe as necessary or appropriate in the public interest or for the protection of investors.\n\n( b ) Transactions relating to puts, calls, straddles, options, futures, or security-based swaps It shall be unlawful for any personto effect, in contravention of such rules and regulations as the Commission may prescribe as necessary or appropriate in the public interest or for the protection of investors ( 1 ) any transaction in connection with any security whereby any party to such transaction acquires ( A ) any put, call, straddle, or other option or privilege of buying the security from or selling the security to another without being bound to do so ; ( B ) any security futures product on the security ; or ( C ) any security-based swapinvolving the security or theissuer of the security ; ( 2 ) any transaction in connection with any security with relation to which such person has, directly or indirectly, any interest in and It shall be unlawful for any person, directly 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681b - Permissible purposes of consumer reports 7 U.S. Code 1736e - Debt forgiveness 15 U.S. Code 1635 - Right of rescission as to certain transactions 15 U.S. Code 1692c - Communication in connection with debt.\n\n( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to thedebt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, adebt collector shall assume that the convenient time for communicating with a consumeris after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to acommunication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.\n\n18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.\n\n( June 25, 1948, ch. 645, 62 Stat. 685. ) 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by theconsumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumer or reseller.\n\n( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agencyreceives information from theconsumer during that 30-day period that is relevant to the reinvestigation.\n\n( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the s","date_sent_to_company":"2024-12-28T23:01:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"68502","tags":null,"has_narrative":true,"complaint_id":"11309833","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-28T21:56:27.000Z","state":"NE","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["( relating to <em>false</em> statements in connection with the acquisition of a firearm ) ; ( 4 ) any <em>provision</em> contained in this chapter ( relating to fraud and <em>false</em> statements ), other than this section or section 1028 ( a ) ( 7 ) ; ( 5 ) any <em>provision</em> contained in chapter 63 ( relating to mail, bank, and wire fraud ) ; ( 6 ) any <em>provision</em> contained in chapter 69 ( relating to nationality and citizenship ) ; ( 7 ) any <em>provision</em> contained in chapter 75 ( relating to passports and visas ) ; ( 8 ) section"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[10.31657,"11309833"]},{"_index":"complaint-public-v1","_id":"4951940","_score":10.14554,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After numerous attempts to rectify what is is inaccurate reporting on my Consumer Report with this consumer reporting agency, they continue to report unvalidated erroneous information on my credit report as validated. A certified letter has been sent to inform me as to how they validate my debt and no response has been given. They have allowed the lender on numerous occasions to change/correct their errors on my credit report instead of removing the erroneous information that has been reported. Pursuant to the FDCPA 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. \n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.\n\n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. \n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.\n\n( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.\n\n( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.\n\n( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.\n\n( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.\n\n( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.\n\n( 7 ) Communicating with a consumer regarding a debt by post card.\n\n( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.\n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).\n\n( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.\n\n15 USC 1692h These items MUST be removed not giving the subscribers to their reporting agency time to correct the information to further report erroneous information. If it was false at the time of the initial validation the the item should be removed not corrected to further a business relationship. This would be a conflict of interest and steps should be taken to allow consumers to have faith and fairness in credit reporting agencies. \n\nI have attached all copies of what has been sent to the consumer reporting agencies an my complaint is also a timestamp as to the XXXX  days that you have to validate my debt appropriately.","date_sent_to_company":"2021-11-27T18:12:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90047","tags":null,"has_narrative":true,"complaint_id":"4951940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-11-27T18:12:46.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["After numerous attempts to rectify what is is inaccurate reporting on my Consumer Report with this consumer reporting agency, they continue to report unvalidated erroneous <em>information</em> on my credit report as validated. A certified letter has been sent to inform me as to how they validate my debt and no response has been given. They have allowed the lender on numerous occasions to change/correct their <em>errors</em> on my credit report instead of removing the erroneous <em>information</em> that has been reported."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[10.14554,"4951940"]},{"_index":"complaint-public-v1","_id":"4951933","_score":10.14554,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After numerous attempts to rectify what is is inaccurate reporting on my Consumer Report with this consumer reporting agency, they continue to report unvalidated erroneous information on my credit report as validated. A certified letter has been sent to inform me as to how they validate my debt and no response has been given. They have allowed the lender on numerous occasions to change/correct their errors on my credit report instead of removing the erroneous information that has been reported. Pursuant to the FDCPA 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.\n\n( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.\n\n( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. \n\n( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.\n\n( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.\n\n( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. \n\n( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.\n\n( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.\n\n( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. \n\n( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.\n\n( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. \n\n( 13 ) The false representation or implication that documents are legal process.\n\n( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.\n\n( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.\n\n( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.\n\n15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. \n\n( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.\n\n( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.\n\n( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. \n\n( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.\n\n( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. \n\n( 7 ) Communicating with a consumer regarding a debt by post card.\n\n( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. \n\n15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. \n\n( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. \n\n( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. \n\n( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). \n\n( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. \n\n15 USC 1692h These items MUST be removed not giving the subscribers to their reporting agency time to correct the information to further report erroneous information. If it was false at the time of the initial validation the the item should be removed not corrected to further a business relationship. This would be a conflict of interest and steps should be taken to allow consumers to have faith and fairness in credit reporting agencies. \n\nI have attached all copies of what has been sent to the consumer reporting agencies an my complaint is also a timestamp as to the 30 days that you have to validate my debt appropriately.","date_sent_to_company":"2021-11-27T18:12:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90047","tags":null,"has_narrative":true,"complaint_id":"4951933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-11-27T17:54:44.000Z","state":"CA","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["After numerous attempts to rectify what is is inaccurate reporting on my Consumer Report with this consumer reporting agency, they continue to report unvalidated erroneous <em>information</em> on my credit report as validated. A certified letter has been sent to inform me as to how they validate my debt and no response has been given. They have allowed the lender on numerous occasions to change/correct their <em>errors</em> on my credit report instead of removing the erroneous <em>information</em> that has been reported."],"sub_issue":["Their investigation did not fix an <em>error</em> on your report"]},"sort":[10.14554,"4951933"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":175,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":175}]}},"product":{"doc_count":175,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":109,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":108},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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