{"took":756,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":47253,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1720888","_score":13.064873,"_source":{"product":"Credit reporting","complaint_what_happened":"I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to \" verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. XXXX, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.","date_sent_to_company":"2015-12-29T20:38:39.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1720888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2015-12-29T20:38:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate <em>information</em> on my credit report. Not only have they <em>failed</em> to <em>provide</em> a proper investigation, but they have <em>failed</em> to <em>provide</em> the documentation to prove the method of verification and documentation used to \" verify '' my <em>accounts</em>, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs."]},"sort":[13.064873,"1720888"]},{"_index":"complaint-public-v1","_id":"1719602","_score":13.054756,"_source":{"product":"Credit reporting","complaint_what_happened":"I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to \" verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. XXXX, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.","date_sent_to_company":"2015-12-29T20:42:00.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1719602","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-12-29T20:41:59.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate <em>information</em> on my credit report. Not only have they <em>failed</em> to <em>provide</em> a proper investigation, but they have <em>failed</em> to <em>provide</em> the documentation to prove the method of verification and documentation used to \" verify '' my <em>accounts</em>, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs."],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company chooses not to <em>provide</em> a public response"]},"sort":[13.054756,"1719602"]},{"_index":"complaint-public-v1","_id":"1719537","_score":13.054756,"_source":{"product":"Credit reporting","complaint_what_happened":"I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate information on my credit report. Not only have they failed to provide a proper investigation, but they have failed to provide the documentation to prove the method of verification and documentation used to \" verify '' my accounts, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs. TransUnion, states that the law is verify clear in that once I notify the bureaus that I have inaccurate information on my credit report, they must investigate the accounts AND they have to verify the information received by the data furnishers. Once I notify them that the results are still not correct, they are in a different place than before and MUST reinvestigate and go beyond the original source of information. The effect these negative inaccuracies are having on my credit far outweigh any cost associated with investigating these accounts, and Congress states that I am in the right when I state that there must be a reinvestigation. Sending me a letter stating that no reinvestigation will be taken unless I provide further information from data furnishers, courts, etc. and that I must resolve the issue with the creditors myself is a clear violation under the FCRA. Stating that their organization is not a mediator, will not provide any documentation used to verify said documents or refusing to reinvestigate are further violations, as they bear a GRAVE RESPONSIBILITY to ascertain that these accounts and all other information on my credit report is accurate. They have failed to do so.","date_sent_to_company":"2015-12-29T20:53:45.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1719537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-12-29T20:53:45.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["I am having issues with the incompetency of the credit bureaus with my investigation and reinvestigation of my inaccurate <em>information</em> on my credit report. Not only have they <em>failed</em> to <em>provide</em> a proper investigation, but they have <em>failed</em> to <em>provide</em> the documentation to prove the method of verification and documentation used to \" verify '' my <em>accounts</em>, as allowed to me under sections 1681 and 609 of the FCRA. Congressional opinion in many lawsuits, specifically XXXX vs."],"company_public_response":["Company chooses not to <em>provide</em> a public response"]},"sort":[13.054756,"1719537"]},{"_index":"complaint-public-v1","_id":"5545721","_score":12.631074,"_source":{"product":"Debt collection","complaint_what_happened":"This company failed to validated this debt and failed to provide the requested information with in the 30 days. The letter states if they fail to do so with the 30 days all references to this account must be deleted and removed from credit report and a copy of deletion request shall be sent to me immediately.","date_sent_to_company":"2022-05-05T19:15:20.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"82601","tags":null,"has_narrative":true,"complaint_id":"5545721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WAKEFIELD & ASSOCIATES, INC.","date_received":"2022-05-05T19:05:48.000Z","state":"WY","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["This company <em>failed</em> to validated this debt and <em>failed</em> to <em>provide</em> the requested <em>information</em> with in the 30 days. The letter states if they <em>fail</em> to do so with the 30 days all references to this <em>account</em> <em>must</em> be deleted and removed from credit report and a copy of deletion request shall be sent to me immediately."],"sub_issue":["Didn't receive enough <em>information</em> to verify debt"]},"sort":[12.631074,"5545721"]},{"_index":"complaint-public-v1","_id":"11631101","_score":12.614056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed several items on my Equifax credit report that I believe to be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incorrect information on my credit report, and Equifax is required to investigate the dispute and respond within a reasonable time frame.\n\nAfter initiating my dispute, Equifax provided the results, but failed to inform me how the disputed items were verified. Specifically, I did not receive a clear explanation of the methods used to confirm the accuracy of the debt or which parties were involved in verifying the information. Under FCRA Section 1681i ( a ) ( 4 ), when a consumer disputes an item, the credit reporting agency is required to provide an explanation of the investigation results, including the names of parties involved in the verification process. However, Equifax did not meet these obligations and did not provide sufficient proof of verification. \nIn addition to disputing the accounts with Equifax, I contacted the debt collector reporting the debt directly and requested debt validation, as I am entitled to under the Fair Debt Collection Practices Act ( FDCPA ). According to FDCPA Section 1692g ( b ), a debt collector must provide verification of the debt if requested by the consumer within 30 days. However, despite my request, the debt collector failed to respond with any form of debt validation or documentation proving that the debt was mine. \nThe debt collectors failure to provide validation of the debt is a violation of the FDCPA, which requires debt collectors to provide proof that the debt is valid, including the amount of the debt and the creditors identity. They did not provide this information, nor did they substantiate their claims to Equifax, which left me with no confirmation that the debt was valid or that it had been verified.\n\nAfter completing my dispute with Equifax, I contacted them directly to request the removal of the disputed accounts. Equifax, however, showed no proof that the debt was mine or that it had been properly verified by the debt collector. Despite acknowledging their lack of evidence, they refused to remove the disputed accounts from my credit report. \nViolation of FCRA Section 1681i : Under FCRA Section 1681i ( a ) ( 6 ), if the information on the credit report is found to be inaccurate or can not be verified, it must be deleted from the report. In my case, Equifax failed to provide any evidence of the verification process, and the debt collector did not respond with validation. Therefore, the disputed accounts should have been removed from my credit report, as they could not be substantiated. \n\nThe Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies, like Equifax, must ensure the accuracy and completeness of the information they report. Under FCRA Section 1681i, once a dispute is filed, the credit reporting agency is required to investigate and, if the information can not be verified, must remove the disputed information. This includes situations where the creditor or debt collector fails to provide validation or verification of the debt.\n\nFurther, according to FCRA Section 1681i ( a ) ( 3 ), if the investigation does not confirm that the information is accurate or verifiable, the credit reporting agency must delete or modify the information. Since Equifax failed to demonstrate that the information was properly verified and the debt collector failed to provide validation, the disputed accounts should have been removed from my credit report immediately.","date_sent_to_company":"2025-01-19T01:40:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"11631101","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-19T01:21:31.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Since Equifax <em>failed</em> to demonstrate that the <em>information</em> was properly verified and the debt collector <em>failed</em> to <em>provide</em> validation, the disputed <em>accounts</em> should have been removed from my credit report immediately."]},"sort":[12.614056,"11631101"]},{"_index":"complaint-public-v1","_id":"13960613","_score":12.594163,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested a dispute on my XXXX XXXX XXXX XXXX card, I requested the lender XXXX to validate deb, as it retains inaccurate information, the amount is not correct and comenity has failed to validate debt. I requested Experian to investigate and report results in writing which has failed to do so. \nThis account must be deleted as the status is not correct, the amount is not correct. \nThis information is NOT CORRECT & NOT ACCURATE. There For it must be DELETED IMMEDIATELY. \nThis is a clear violation the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! \nExperian failed to conduct an investigation and provide proof of findings.","date_sent_to_company":"2025-06-08T16:51:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90650","tags":null,"has_narrative":true,"complaint_id":"13960613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-08T16:51:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I requested a dispute on my XXXX XXXX XXXX XXXX card, I requested the lender XXXX to validate deb, as it retains inaccurate <em>information</em>, the amount is not correct and comenity has <em>failed</em> to validate debt. I requested Experian to investigate and report results in writing which has <em>failed</em> to do so. \nThis <em>account</em> <em>must</em> be deleted as the status is not correct, the amount is not correct. \nThis <em>information</em> is NOT CORRECT & NOT ACCURATE. There For it <em>must</em> be DELETED IMMEDIATELY."],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.594163,"13960613"]},{"_index":"complaint-public-v1","_id":"12580289","_score":12.444969,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1XXXX XXXXXXXX Failed to Provide Legally Required Notice Under UCC Article 9, Section 9-611, a lender must provide the debtor with a formal Notice of Sale before auctioning a repossessed vehicle. \nXXXX XXXX never sent such notice, meaning the repossession was improperly conducted and can not be legally enforced. \n2. Failure to Disclose Sale Details & Provide Accounting UCC Article 9, Section 9-613 requires lenders to disclose the details of the sale, including the date, time, location, and final sale price. \nXXXX XXXX has failed to provide this information, making it impossible to verify whether the sale was fair or whether a deficiency balance is valid. \n3. Equifax Failed to Conduct a Proper Investigation Under the Fair Credit Reporting Act ( FCRA ) 611, credit bureaus must conduct a reasonable investigation when a dispute is filed. \nDespite XXXX XXXX legal violations, Equifax failed to investigate properly and continues to report this repossession inaccurately. \nThis damages my creditworthiness unfairly and violates my consumer rights.","date_sent_to_company":"2025-03-20T20:29:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91311","tags":null,"has_narrative":true,"complaint_id":"12580289","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-20T20:20:46.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to Disclose Sale Details & <em>Provide</em> <em>Accounting</em> UCC Article 9, Section 9-613 requires lenders to disclose the details of the sale, including the date, time, location, and final sale price. \nXXXX XXXX has <em>failed</em> to <em>provide</em> this <em>information</em>, making it impossible to verify whether the sale was fair or whether a deficiency balance is valid. \n3."]},"sort":[12.444969,"12580289"]},{"_index":"complaint-public-v1","_id":"4089866","_score":12.430942,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This company has failed to respond to two of my dispute letters that were sent on XXXX and XXXX. Under the FCRA, if a credit bureau or a company that fails to provide verifiable information or the original consumer contract to the account ( s ) they are reporting, those account ( s ) must be deleted from a consumer 's credit report immediately. In addition to that, if a credit bureau is unable to verify information or response to a disputed item within 30 days, they must delete those disputed items immediately off of a consumer 's report.","date_sent_to_company":"2021-01-24T18:18:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43607","tags":null,"has_narrative":true,"complaint_id":"4089866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-01-24T18:08:10.000Z","state":"OH","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["This company has <em>failed</em> to respond to two of my dispute letters that were sent on XXXX and XXXX. Under the FCRA, if a credit bureau or a company that <em>fails</em> to <em>provide</em> verifiable <em>information</em> or the original consumer contract to the <em>account</em> ( s ) they are reporting, those <em>account</em> ( s ) <em>must</em> be deleted from a consumer 's credit report immediately."]},"sort":[12.430942,"4089866"]},{"_index":"complaint-public-v1","_id":"12582255","_score":12.428131,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1XXXX XXXXXXXX Failed to Provide Legally Required Notice Under UCC Article 9, Section 9-611, a lender must provide the debtor with a formal Notice of Sale before auctioning a repossessed vehicle. \nXXXX XXXX never sent such notice, meaning the repossession was improperly conducted and can not be legally enforced. \n2. Failure to Disclose Sale Details & Provide Accounting UCC Article 9, Section 9-613 requires lenders to disclose the details of the sale, including the date, time, location, and final sale price. \nXXXX XXXX has failed to provide this information, making it impossible to verify whether the sale was fair or whether a deficiency balance is valid. \n3. Equifax Failed to Conduct a Proper Investigation Under the Fair Credit Reporting Act ( FCRA ) 611, credit bureaus must conduct a reasonable investigation when a dispute is filed. \nDespite XXXX XXXX legal violations, Equifax failed to investigate properly and continues to report this repossession inaccurately. \nThis damages my creditworthiness unfairly and violates my consumer rights.","date_sent_to_company":"2025-03-20T20:29:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91311","tags":null,"has_narrative":true,"complaint_id":"12582255","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-20T20:29:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to Disclose Sale Details & <em>Provide</em> <em>Accounting</em> UCC Article 9, Section 9-613 requires lenders to disclose the details of the sale, including the date, time, location, and final sale price. \nXXXX XXXX has <em>failed</em> to <em>provide</em> this <em>information</em>, making it impossible to verify whether the sale was fair or whether a deficiency balance is valid. \n3."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.428131,"12582255"]},{"_index":"complaint-public-v1","_id":"12580788","_score":12.414006,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1XXXX XXXXXXXX Failed to Provide Legally Required Notice Under UCC Article 9, Section 9-611, a lender must provide the debtor with a formal Notice of Sale before auctioning a repossessed vehicle. \nXXXX XXXX never sent such notice, meaning the repossession was improperly conducted and can not be legally enforced. \n2. Failure to Disclose Sale Details & Provide Accounting UCC Article 9, Section 9-613 requires lenders to disclose the details of the sale, including the date, time, location, and final sale price. \nXXXX XXXX has failed to provide this information, making it impossible to verify whether the sale was fair or whether a deficiency balance is valid. \n3. Equifax Failed to Conduct a Proper Investigation Under the Fair Credit Reporting Act ( FCRA ) 611, credit bureaus must conduct a reasonable investigation when a dispute is filed. \nDespite XXXX XXXX legal violations, Equifax failed to investigate properly and continues to report this repossession inaccurately. \nThis damages my creditworthiness unfairly and violates my consumer rights.","date_sent_to_company":"2025-03-20T20:29:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91311","tags":null,"has_narrative":true,"complaint_id":"12580788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-20T20:29:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to Disclose Sale Details & <em>Provide</em> <em>Accounting</em> UCC Article 9, Section 9-613 requires lenders to disclose the details of the sale, including the date, time, location, and final sale price. \nXXXX XXXX has <em>failed</em> to <em>provide</em> this <em>information</em>, making it impossible to verify whether the sale was fair or whether a deficiency balance is valid. \n3."],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.414006,"12580788"]},{"_index":"complaint-public-v1","_id":"2832541","_score":12.243838,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX I sent Procollect a letter requesting that they validate the debt they claim I owe. I received a letter from Procollect dated XX/XX/XXXX which included a final account statement with another individuals identifying information. They failed to provide any competent evidence. They failed to provide me with an original contract. I do not owe this debt. They must remove this account from ALL 3 credit reports and agree not to sell it.","date_sent_to_company":"2018-03-05T06:52:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2832541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ProCollect, Inc.","date_received":"2018-03-05T00:46:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I received a letter from Procollect dated XX/XX/XXXX which included a final <em>account</em> statement with another individuals identifying <em>information</em>. They <em>failed</em> to <em>provide</em> any competent evidence. They <em>failed</em> to <em>provide</em> me with an original contract. I do not owe this debt. They <em>must</em> remove this <em>account</em> from ALL 3 credit reports and agree not to sell it."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.243838,"2832541"]},{"_index":"complaint-public-v1","_id":"7533524","_score":12.205904,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed an account # XXXX WELLS FARGO BANK on XXXX XX/XX/XXXX  ( Report Number : XXXX ) I told the credit bureaus to \" investigate every piece of information '' on the account I have disputed. \n\nAccording to the FRCA The term \" investigate consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.\n\nThey stated my account was verified but how is that possible when they did not provide me with contract details. Upon request they failed to provide me the original verified contract between me and wells Fargo, They failed to provide me details about accuracy in the report and continue to report inaccurate information on my credit report which is seriously hurting me. \nIf they failed to investigate and failed to provide me with details about the account which I do not believe is mine, how can they blatantly violate FRCA 15 USC 1681 failure to provide information, failure to provide documentation and they are not reporting accurate information on my credit report, when according to the FRCA everything must be 100 % accurate.","date_sent_to_company":"2023-09-11T16:40:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94545","tags":null,"has_narrative":true,"complaint_id":"7533524","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-09-11T16:15:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If they <em>failed</em> to investigate and <em>failed</em> to <em>provide</em> me with details about the <em>account</em> which I do not believe is mine, how can they blatantly violate FRCA 15 USC 1681 failure to <em>provide</em> <em>information</em>, failure to <em>provide</em> documentation and they are not reporting accurate <em>information</em> on my credit report, when according to the FRCA everything <em>must</em> be 100 % accurate."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.205904,"7533524"]},{"_index":"complaint-public-v1","_id":"20785762","_score":12.165399,"_source":{"product":"Debt collection","complaint_what_happened":"Failure to properly investigate Reporting inaccurate information Failure to validate disputed details ( dates ). \n\nI have made multiple attempts through phone, email, and formal disputes to obtain the exact date of first delinquency and the timeline of this alleged debt. To date, the company has failed to provide this required information. \nMy dispute is not about who owns the debt. My dispute is about the accuracy of the reporting, specifically the failure to provide a verifiable and consistent Date of First Delinquency and a clear accounting of when the debt began. \nUnder the Fair Credit Reporting Act, any information reported must be accurate and verifiable. If this account is scheduled to remain on my credit report until XXXX  2028, then the company must be able to clearly document and provide the exact date the delinquency began. They have failed to do so despite multiple requests. \nInstead, the company has provided general statements and has not addressed the specific issue of inaccurate or unverifiable dates. This failure to provide key information raises serious concerns about the accuracy and compliance of the reporting. \nBecause of this, I am requesting the following resolution : Immediate deletion of this account from all credit reporting agencies due to failure to verify accurate reporting, including the Date of First Delinquency ; OR A full and complete correction of the account, including : Verified Date of First Delinquency Accurate and complete payment history Removal of any charges that can not be properly documented or fall outside the legal lease period If the company can not provide complete and verifiable documentation supporting the accuracy of the reporting, this account must be deleted in accordance with the Fair Credit Reporting Act.","date_sent_to_company":"2026-03-30T20:57:29.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"19802","tags":null,"has_narrative":true,"complaint_id":"20785762","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2026-03-30T20:21:48.000Z","state":"DE","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["My dispute is about the accuracy of the reporting, specifically the failure to <em>provide</em> a verifiable and consistent Date of First Delinquency and a clear <em>accounting</em> of when the debt began. \nUnder the Fair Credit Reporting Act, any <em>information</em> reported <em>must</em> be accurate and verifiable. If this <em>account</em> is scheduled to remain on my credit report until XXXX  2028, then the company <em>must</em> be able to clearly document and <em>provide</em> the exact date the delinquency began."]},"sort":[12.165399,"20785762"]},{"_index":"complaint-public-v1","_id":"3108183","_score":12.163364,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX is reporting inaccurate information ; a derogatory account is reporting in the amount of {$1200.00}. They have failed to provide me with me with validation that this account belongs to me. I have made several requests for this information. If the information can not be validated it must be removed immediately.","date_sent_to_company":"2018-12-23T19:36:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"28025","tags":null,"has_narrative":true,"complaint_id":"3108183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2018-12-23T19:12:14.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX is reporting inaccurate <em>information</em> ; a derogatory <em>account</em> is reporting in the amount of {$1200.00}. They have <em>failed</em> to <em>provide</em> me with me with validation that this <em>account</em> belongs to me. I have made several requests for this <em>information</em>. If the <em>information</em> can not be validated it <em>must</em> be removed immediately."]},"sort":[12.163364,"3108183"]},{"_index":"complaint-public-v1","_id":"21884931","_score":12.161808,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against Santander XXXX  USA regarding an account they claim I owe with a reported balance of {$5300.00}. \nOn XX/XX/year>, I received a letter from Santander offering to settle this alleged debt for {$260.00}. This represents an extreme discrepancy between the claimed balance and the amount they are willing to accept. \nThis discrepancy raises serious concerns about : The accuracy of the reported balance Whether the amount is properly calculated Whether the account is supported by complete and reliable documentation I formally disputed this account in writing and requested a reasonable investigation, including documentation supporting the debt. \nDespite this, Santander has : Failed to provide sufficient documentation validating the balance Failed to demonstrate how the amount was calculated Continued to maintain the account without resolving the inconsistencies Potentially continued furnishing information that may be inaccurate or unverifiable Under the Fair Credit Reporting Act : Furnishers must report accurate and complete information They must conduct a reasonable investigation when a dispute is received They must correct or delete information that can not be verified The information being reported appears unreliable and inconsistent. \n\nAdditionally, based on the principles outlined in my supporting materials, a creditor must be able to substantiate : The existence of a valid agreement Their standing to collect The accuracy of the balance Failure to provide this raises concerns that the account may be improperly maintained or reported.","date_sent_to_company":"2026-05-05T10:33:07.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"07107","tags":null,"has_narrative":true,"complaint_id":"21884931","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2026-05-05T10:19:19.000Z","state":"NJ","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Despite this, Santander has : <em>Failed</em> to <em>provide</em> sufficient documentation validating the balance <em>Failed</em> to demonstrate how the amount was calculated Continued to maintain the <em>account</em> without resolving the inconsistencies Potentially continued furnishing <em>information</em> that may be inaccurate or unverifiable Under the Fair Credit Reporting Act : Furnishers <em>must</em> report accurate and complete <em>information</em> They <em>must</em> conduct a reasonable investigation when a dispute is received They <em>must</em> correct or delete <em>information</em>"],"sub_issue":["Didn't receive enough <em>information</em> to verify debt"]},"sort":[12.161808,"21884931"]},{"_index":"complaint-public-v1","_id":"12512740","_score":12.158878,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed several items on my Equifax credit report that I believe to be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incorrect information on my credit report, and Equifax is required to investigate the dispute and respond within a reasonable time frame. \nAfter initiating my dispute, Equifax provided the results, but failed to inform me how the disputed items were verified. Specifically, I did not receive a clear explanation of the methods used to confirm the accuracy of the debt or which parties were involved in verifying the information. Under FCRA Section 1681i ( a ) ( 4 ), when a consumer disputes an item, the credit reporting agency is required to provide an explanation of the investigation results, including the names of parties involved in the verification process. However, Equifax did not meet these obligations and did not provide sufficient proof of verification. \nIn addition to disputing the accounts with Equifax, I contacted the debt collector reporting the debt directly and requested debt validation, as I am entitled to under the Fair Debt Collection Practices Act ( FDCPA ). According to FDCPA Section 1692g ( b ), a debt collector must provide verification of the debt if requested by the consumer within 30 days. However, despite my request, the debt collector failed to respond with any form of debt validation or documentation proving that the debt was mine.\n\nThe debt collectors failure to provide validation of the debt is a violation of the FDCPA, which requires debt collectors to provide proof that the debt is valid, including the amount of the debt and the creditors identity. They did not provide this information, nor did they substantiate their claims to Equifax, which left me with no confirmation that the debt was valid or that it had been verified. \nAfter completing my dispute with Equifax, I contacted them directly to request the removal of the disputed accounts. Equifax, however, showed no proof that the debt was mine or that it had been properly verified by the debt collector. Despite acknowledging their lack of evidence, they refused to remove the disputed accounts from my credit report. \nViolation of FCRA Section 1681i : Under FCRA Section 1681i ( a ) ( 6 ), if the information on the credit report is found to be inaccurate or can not be verified, it must be deleted from the report. In my case, Equifax failed to provide any evidence of the verification process, and the debt collector did not respond with validation. Therefore, the disputed accounts should have been removed from my credit report, as they could not be substantiated. \n\nThe Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies, like Equifax, must ensure the accuracy and completeness of the information they report. Under FCRA Section 1681i, once a dispute is filed, the credit reporting agency is required to investigate and, if the information can not be verified, must remove the disputed information. This includes situations where the creditor or debt collector fails to provide validation or verification of the debt.\n\nFurther, according to FCRA Section 1681i ( a ) ( 3 ), if the investigation does not confirm that the information is accurate or verifiable, the credit reporting agency must delete or modify the information. Since Equifax failed to demonstrate that the information was properly verified and the debt collector failed to provide validation, the disputed accounts should have been removed from my credit report immediately. \n\n\nThe accounts the draw concern are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-17T18:47:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44139","tags":null,"has_narrative":true,"complaint_id":"12512740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-17T18:46:38.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This includes situations where the creditor or debt collector <em>fails</em> to <em>provide</em> validation or verification of the debt.\n\nFurther, according to FCRA Section 1681i ( a ) ( 3 ), if the investigation does not confirm that the <em>information</em> is accurate or verifiable, the credit reporting agency <em>must</em> delete or modify the <em>information</em>."],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.158878,"12512740"]},{"_index":"complaint-public-v1","_id":"12818703","_score":12.15181,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I To Whom It May Concern, I am writing to demand immediate action regarding the inaccurate and unlawful information currently being reported on my credit report. Specifically, the following account have been listed on my consumer file in a manner that violates the Fair Credit Reporting Act ( FCRA ), and they must be corrected or removed without delay. If you fail to act within 10 days of receiving this letter, I will pursue all available legal options, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking damages through litigation for your willful and negligent violations of federal law. The following accounts require immediate correction or deletion : Account to Be Corrected/Removed : Security Finance Account Number : XXXX. This account must be validated or deleted. If you can not provide appropriate documentation to prove this accounts validity, it must be erased from my record.If you can not substantiate the reported figures, this account must be removed from my credit file. Legal Violations : Under the FCRA and related statutes, your agency is legally obligated to ensure the accuracy of all information reported on my credit file. The following violations have occurred : Violation of 15 U.S.C. 1666b ( Timing of Payments ) You have failed to provide evidence that the creditors followed the necessary procedures for sending periodic statements at least 21 days before the due date. Failure to do so renders any late payment reporting inaccurate. Provide proof or remove the reporting. Violation of 15 U.S.C. 1637 ( b ) ( Required Information on Statements ) You have failed to provide adequate documentation demonstrating that the periodic statements sent for these accounts comply with all necessary legal requirements. If you can not validate this information, you must delete these accounts. Violation of 15 U.S.C. 1681s-2 ( Furnishers Duty to Report Accurate Information ) Under this section, furnishers are required to report only accurate information. If the creditors listed above have failed to do so, you are obligated to remove the inaccurate information from my credit report. Action Required : Immediate Removal : All of the accounts listed above must be removed from my credit report within XXXX calendar days of your receipt of this letter. Proof of Compliance : Provide evidence of the accuracy of each account listed above. If you are unable to provide this, the account must be deleted from my report immediately. If you fail to meet this demand, I will not hesitate to take further action, including : Filing a complaint with the CFPB and FTC. Pursuing legal action under 15 U.S.C. 1681n ( willful violations ) and 15 U.S.C. 1681o ( negligent violations ), for which I can seek statutory, punitive, and actual damages. Seeking damages for defamation, emotional distress, and harm to my financial reputation caused by these erroneous entries. I am fully prepared to take aggressive legal action if necessary, and I expect your immediate compliance. Required Documentation : If you can not provide the proper documentation to verify the accuracy of these accounts, you are legally obligated to delete them from my credit report. Your failure to act promptly on this matter will only further prove your disregard for consumer protection laws. Deadline : You have XXXX calendar days from the receipt of this letter to remove these accounts from my credit report. After that, I will take all necessary legal steps to hold your agency accountable for these violations. I expect written confirmation of the removal, along with a copy of my updated credit report.","date_sent_to_company":"2025-04-05T00:30:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31525","tags":null,"has_narrative":true,"complaint_id":"12818703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-05T00:21:07.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If the creditors listed above have <em>failed</em> to do so, you are obligated to remove the inaccurate <em>information</em> from my credit report. Action Required : Immediate Removal : All of the <em>accounts</em> listed above <em>must</em> be removed from my credit report within XXXX calendar days of your receipt of this letter. Proof of Compliance : <em>Provide</em> evidence of the accuracy of each <em>account</em> listed above. If you are unable to <em>provide</em> this, the <em>account</em> <em>must</em> be deleted from my report immediately."]},"sort":[12.15181,"12818703"]},{"_index":"complaint-public-v1","_id":"7266602","_score":12.148019,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Per Fair Credit Reporting act, all information on a report must be correct and factual. \nthe following accounts, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has failed to provide and maintain accurate information on payment history, They have also failed to update the dispute statis of the most resent dispute within the allotted 30 day as required by FCRA","date_sent_to_company":"2023-07-18T23:35:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"326XX","tags":null,"has_narrative":true,"complaint_id":"7266602","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-18T23:35:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Per Fair Credit Reporting act, all <em>information</em> on a report <em>must</em> be correct and factual. \nthe following <em>accounts</em>, XXXX XXXX XXXX <em>Account</em> # XXXX XXXX XXXX <em>Account</em> # XXXX XXXX XXXX <em>Account</em> # XXXX Has <em>failed</em> to <em>provide</em> and maintain accurate <em>information</em> on payment history, They have also <em>failed</em> to update the dispute statis of the most resent dispute within the allotted 30 day as required by FCRA"],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Account</em> <em>information</em> incorrect"]},"sort":[12.148019,"7266602"]},{"_index":"complaint-public-v1","_id":"12522290","_score":12.141871,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed several items on my Equifax credit report that I believe to be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incorrect information on my credit report, and Equifax is required to investigate the dispute and respond within a reasonable time frame. \nAfter initiating my dispute, Equifax provided the results, but failed to inform me how the disputed items were verified. Specifically, I did not receive a clear explanation of the methods used to confirm the accuracy of the debt or which parties were involved in verifying the information. Under FCRA Section 1681i ( a ) ( 4 ), when a consumer disputes an item, the credit reporting agency is required to provide an explanation of the investigation results, including the names of parties involved in the verification process. However, Equifax did not meet these obligations and did not provide sufficient proof of verification. \nIn addition to disputing the accounts with Equifax, I contacted the debt collector reporting the debt directly and requested debt validation, as I am entitled to under the Fair Debt Collection Practices Act ( FDCPA ). According to FDCPA Section 1692g ( b ), a debt collector must provide verification of the debt if requested by the consumer within 30 days. However, despite my request, the debt collector failed to respond with any form of debt validation or documentation proving that the debt was mine.\n\nThe debt collectors failure to provide validation of the debt is a violation of the FDCPA, which requires debt collectors to provide proof that the debt is valid, including the amount of the debt and the creditors identity. They did not provide this information, nor did they substantiate their claims to Equifax, which left me with no confirmation that the debt was valid or that it had been verified. \nAfter completing my dispute with Equifax, I contacted them directly to request the removal of the disputed accounts. Equifax, however, showed no proof that the debt was mine or that it had been properly verified by the debt collector. Despite acknowledging their lack of evidence, they refused to remove the disputed accounts from my credit report. \nViolation of FCRA Section 1681i : Under FCRA Section 1681i ( a ) ( 6 ), if the information on the credit report is found to be inaccurate or can not be verified, it must be deleted from the report. In my case, Equifax failed to provide any evidence of the verification process, and the debt collector did not respond with validation. Therefore, the disputed accounts should have been removed from my credit report, as they could not be substantiated. \n\nThe Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies, like Equifax, must ensure the accuracy and completeness of the information they report. Under FCRA Section 1681i, once a dispute is filed, the credit reporting agency is required to investigate and, if the information can not be verified, must remove the disputed information. This includes situations where the creditor or debt collector fails to provide validation or verification of the debt.\n\nFurther, according to FCRA Section 1681i ( a ) ( 3 ), if the investigation does not confirm that the information is accurate or verifiable, the credit reporting agency must delete or modify the information. Since Equifax failed to demonstrate that the information was properly verified and the debt collector failed to provide validation, the disputed accounts should have been removed from my credit report immediately. \n\n\nThe accounts the draw concern are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-17T18:47:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44139","tags":null,"has_narrative":true,"complaint_id":"12522290","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-17T18:46:38.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This includes situations where the creditor or debt collector <em>fails</em> to <em>provide</em> validation or verification of the debt.\n\nFurther, according to FCRA Section 1681i ( a ) ( 3 ), if the investigation does not confirm that the <em>information</em> is accurate or verifiable, the credit reporting agency <em>must</em> delete or modify the <em>information</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.141871,"12522290"]},{"_index":"complaint-public-v1","_id":"14627237","_score":12.133993,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to demand immediate action regarding the inaccurate and unlawful information currently being reported on my credit report as a new account. Specifically, the following account have been listed on my consumer file in a manner that violates the Fair Credit Reporting Act ( FCRA ), and they must be corrected or removed without delay. If you fail to act within 10 days of receiving this letter, I will pursue all available legal options, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking damages through litigation for your willful and negligent violations of federal law. The following accounts require immediate correction or deletion : Account to Be Corrected/Removed : XXXX : XXXX XXXX XXXX . This account must be validated or deleted. If you can not provide appropriate documentation to prove this accounts validity, it must be erased from my record.If you can not substantiate the reported figures, this account must be removed from my credit file. Legal Violations : Under the FCRA and related statutes, your agency is legally obligated to ensure the accuracy of all information reported on my credit file. The following violations have occurred : Violation of 15 U.S.C. 1666b ( Timing of Payments ) You have failed to provide evidence that the creditors followed the necessary procedures for sending periodic statements at least 21 days before the due date. Failure to do so renders any late payment reporting inaccurate. Provide proof or remove the reporting. Violation of 15 U.S.C. 1637 ( b ) ( Required Information on Statements ) You have failed to provide adequate documentation demonstrating that the periodic statements sent for these accounts comply with all necessary legal requirements. If you can not validate this information, you must delete these accounts. Violation of 15 U.S.C. 1681s-2 ( Furnishers Duty to Report Accurate Information ) Under this section, furnishers are required to report only accurate information. If the creditors listed above have failed to do so, you are obligated to remove the inaccurate information from my credit report. Action Required : Immediate Removal : All of the accounts listed above must be removed from my credit report within 10 calendar days of your receipt of this letter. Proof of Compliance : Provide evidence of the accuracy of each account listed above. If you are unable to provide this, the account must be deleted from my report immediately. If you fail to meet this demand, I will not hesitate to take further action, including : Filing a complaint with the CFPB and FTC. Pursuing legal action under 15 U.S.C. 1681n ( willful violations ) and 15 U.S.C. 1681o ( negligent violations ), for which I can seek statutory, punitive, and actual damages. Seeking damages for defamation, emotional distress, and harm to my financial reputation caused by these erroneous entries. I am fully prepared to take aggressive legal action if necessary, and I expect your immediate compliance. Required Documentation : If you can not provide the proper documentation to verify the accuracy of these accounts, you are legally obligated to delete them from my credit report. Your failure to act promptly on this matter will only further prove your disregard for consumer protection laws. Deadline : You have 10 calendar days from the receipt of this letter to remove these accounts from my credit report. After that, I will take all necessary legal steps to hold your agency accountable for these violations. I expect written confirmation of the removal, along with a copy of my updated credit report.","date_sent_to_company":"2025-07-13T19:06:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31525","tags":null,"has_narrative":true,"complaint_id":"14627237","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-13T19:06:18.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["If the creditors listed above have <em>failed</em> to do so, you are obligated to remove the inaccurate <em>information</em> from my credit report. Action Required : Immediate Removal : All of the <em>accounts</em> listed above <em>must</em> be removed from my credit report within 10 calendar days of your receipt of this letter. Proof of Compliance : <em>Provide</em> evidence of the accuracy of each <em>account</em> listed above. If you are unable to <em>provide</em> this, the <em>account</em> <em>must</em> be deleted from my report immediately."],"issue":["Incorrect <em>information</em> on your report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[12.133993,"14627237"]},{"_index":"complaint-public-v1","_id":"14625552","_score":12.133993,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to demand immediate action regarding the inaccurate and unlawful information currently being reported on my credit report as a new account. Specifically, the following account have been listed on my consumer file in a manner that violates the Fair Credit Reporting Act ( FCRA ), and they must be corrected or removed without delay. If you fail to act within 10 days of receiving this letter, I will pursue all available legal options, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking damages through litigation for your willful and negligent violations of federal law. The following accounts require immediate correction or deletion : Account to Be Corrected/Removed : XXXX : XXXX XXXX XXXX . This account must be validated or deleted. If you can not provide appropriate documentation to prove this accounts validity, it must be erased from my record.If you can not substantiate the reported figures, this account must be removed from my credit file. Legal Violations : Under the FCRA and related statutes, your agency is legally obligated to ensure the accuracy of all information reported on my credit file. The following violations have occurred : Violation of 15 U.S.C. 1666b ( Timing of Payments ) You have failed to provide evidence that the creditors followed the necessary procedures for sending periodic statements at least 21 days before the due date. Failure to do so renders any late payment reporting inaccurate. Provide proof or remove the reporting. Violation of 15 U.S.C. 1637 ( b ) ( Required Information on Statements ) You have failed to provide adequate documentation demonstrating that the periodic statements sent for these accounts comply with all necessary legal requirements. If you can not validate this information, you must delete these accounts. Violation of 15 U.S.C. 1681s-2 ( Furnishers Duty to Report Accurate Information ) Under this section, furnishers are required to report only accurate information. If the creditors listed above have failed to do so, you are obligated to remove the inaccurate information from my credit report. Action Required : Immediate Removal : All of the accounts listed above must be removed from my credit report within 10 calendar days of your receipt of this letter. Proof of Compliance : Provide evidence of the accuracy of each account listed above. If you are unable to provide this, the account must be deleted from my report immediately. If you fail to meet this demand, I will not hesitate to take further action, including : Filing a complaint with the CFPB and FTC. Pursuing legal action under 15 U.S.C. 1681n ( willful violations ) and 15 U.S.C. 1681o ( negligent violations ), for which I can seek statutory, punitive, and actual damages. Seeking damages for defamation, emotional distress, and harm to my financial reputation caused by these erroneous entries. I am fully prepared to take aggressive legal action if necessary, and I expect your immediate compliance. Required Documentation : If you can not provide the proper documentation to verify the accuracy of these accounts, you are legally obligated to delete them from my credit report. Your failure to act promptly on this matter will only further prove your disregard for consumer protection laws. Deadline : You have 10 calendar days from the receipt of this letter to remove these accounts from my credit report. After that, I will take all necessary legal steps to hold your agency accountable for these violations. I expect written confirmation of the removal, along with a copy of my updated credit report.","date_sent_to_company":"2025-07-14T16:40:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31525","tags":null,"has_narrative":true,"complaint_id":"14625552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-13T19:00:03.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["If the creditors listed above have <em>failed</em> to do so, you are obligated to remove the inaccurate <em>information</em> from my credit report. Action Required : Immediate Removal : All of the <em>accounts</em> listed above <em>must</em> be removed from my credit report within 10 calendar days of your receipt of this letter. Proof of Compliance : <em>Provide</em> evidence of the accuracy of each <em>account</em> listed above. If you are unable to <em>provide</em> this, the <em>account</em> <em>must</em> be deleted from my report immediately."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[12.133993,"14625552"]},{"_index":"complaint-public-v1","_id":"12526142","_score":12.12871,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed several items on my Equifax credit report that I believe to be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incorrect information on my credit report, and Equifax is required to investigate the dispute and respond within a reasonable time frame. \nAfter initiating my dispute, Equifax provided the results, but failed to inform me how the disputed items were verified. Specifically, I did not receive a clear explanation of the methods used to confirm the accuracy of the debt or which parties were involved in verifying the information. Under FCRA Section 1681i ( a ) ( 4 ), when a consumer disputes an item, the credit reporting agency is required to provide an explanation of the investigation results, including the names of parties involved in the verification process. However, Equifax did not meet these obligations and did not provide sufficient proof of verification. \nIn addition to disputing the accounts with Equifax, I contacted the debt collector reporting the debt directly and requested debt validation, as I am entitled to under the Fair Debt Collection Practices Act ( FDCPA ). According to FDCPA Section 1692g ( b ), a debt collector must provide verification of the debt if requested by the consumer within 30 days. However, despite my request, the debt collector failed to respond with any form of debt validation or documentation proving that the debt was mine.\n\nThe debt collectors failure to provide validation of the debt is a violation of the FDCPA, which requires debt collectors to provide proof that the debt is valid, including the amount of the debt and the creditors identity. They did not provide this information, nor did they substantiate their claims to Equifax, which left me with no confirmation that the debt was valid or that it had been verified. \nAfter completing my dispute with Equifax, I contacted them directly to request the removal of the disputed accounts. Equifax, however, showed no proof that the debt was mine or that it had been properly verified by the debt collector. Despite acknowledging their lack of evidence, they refused to remove the disputed accounts from my credit report. \nViolation of FCRA Section 1681i : Under FCRA Section 1681i ( a ) ( 6 ), if the information on the credit report is found to be inaccurate or can not be verified, it must be deleted from the report. In my case, Equifax failed to provide any evidence of the verification process, and the debt collector did not respond with validation. Therefore, the disputed accounts should have been removed from my credit report, as they could not be substantiated. \n\nThe Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies, like Equifax, must ensure the accuracy and completeness of the information they report. Under FCRA Section 1681i, once a dispute is filed, the credit reporting agency is required to investigate and, if the information can not be verified, must remove the disputed information. This includes situations where the creditor or debt collector fails to provide validation or verification of the debt.\n\nFurther, according to FCRA Section 1681i ( a ) ( 3 ), if the investigation does not confirm that the information is accurate or verifiable, the credit reporting agency must delete or modify the information. Since Equifax failed to demonstrate that the information was properly verified and the debt collector failed to provide validation, the disputed accounts should have been removed from my credit report immediately. \n\n\nThe accounts the draw concern are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-17T18:47:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44139","tags":null,"has_narrative":true,"complaint_id":"12526142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-17T18:29:58.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This includes situations where the creditor or debt collector <em>fails</em> to <em>provide</em> validation or verification of the debt.\n\nFurther, according to FCRA Section 1681i ( a ) ( 3 ), if the investigation does not confirm that the <em>information</em> is accurate or verifiable, the credit reporting agency <em>must</em> delete or modify the <em>information</em>."]},"sort":[12.12871,"12526142"]},{"_index":"complaint-public-v1","_id":"7276268","_score":12.128565,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Per Fair Credit Reporting act, all information on a report must be correct and factual. \nthe following accounts, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has failed to provide and maintain accurate information on payment history, They have also failed to update the dispute statis of the most resent dispute within the allotted 30 day as required by FCRA","date_sent_to_company":"2023-07-18T23:35:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"326XX","tags":null,"has_narrative":true,"complaint_id":"7276268","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-18T23:35:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Per Fair Credit Reporting act, all <em>information</em> on a report <em>must</em> be correct and factual. \nthe following <em>accounts</em>, XXXX XXXX XXXX <em>Account</em> # XXXX XXXX XXXX <em>Account</em> # XXXX XXXX XXXX <em>Account</em> # XXXX Has <em>failed</em> to <em>provide</em> and maintain accurate <em>information</em> on payment history, They have also <em>failed</em> to update the dispute statis of the most resent dispute within the allotted 30 day as required by FCRA"],"issue":["Incorrect <em>information</em> on your report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Account</em> <em>information</em> incorrect"]},"sort":[12.128565,"7276268"]},{"_index":"complaint-public-v1","_id":"21035803","_score":12.10878,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal dispute of the above-referenced account and a demand for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), and the Tennessee Consumer Protection Act ( TCPA ). \n\nI previously disputed this account ; however, MIDLAND CREDIT MANAGEMENT has failed to provide sufficient documentation to validate this alleged debt while continuing to report it on my consumer credit report. \n\nAs a debt buyer, MIDLAND CREDIT MANAGEMENT must provide competent evidence of the alleged obligation. To date, the company has failed to provide such evidence, and continued reporting of this account raises serious concerns regarding compliance with federal and state law. \n\nSpecifically, the company has failed to : Provide a copy of the original signed contract or agreement bearing my signature Provide complete account statements from the original creditor Provide a valid chain of assignment proving ownership of this debt Provide documentation showing the date of first delinquency Provide a full and accurate accounting of the balance being reported Provide proof of legal authority to collect this debt Under 15 U.S.C. 1692g ( b ), you are required to cease collection activities until proper validation is provided. Additionally, under the FCRA, you are prohibited from reporting information that is not fully verified and accurate.\n\nLVNV Funding LLC has failed to properly validate this account and is therefore reporting unverified and potentially inaccurate information.\n\nBecause of this failure, I am demanding the following : 1. Immediate deletion of this account from all consumer reporting agencies 2. Written confirmation of deletion 3. Cessation of all collection activity related to this account Until proper validation is provided, you must : Cease all collection efforts Refrain from verifying or re-reporting this account Avoid any misleading representation regarding this alleged debt I do not consent to telephone communication. All communication must be in writing.\n\nThis complaint is being documented and may be submitted to the Consumer Financial Protection Bureau, the Federal Trade Commission, and other regulatory agencies for further review if this matter is not resolved promptly.\n\nFailure to comply may constitute violations of federal and state law. \n\nI expect an immediate resolution to this matter. \n\nSincerely,","date_sent_to_company":"2026-04-08T01:24:41.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"38109","tags":null,"has_narrative":true,"complaint_id":"21035803","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-04-08T01:21:00.000Z","state":"TN","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I previously disputed this <em>account</em> ; however, MIDLAND CREDIT MANAGEMENT has <em>failed</em> to <em>provide</em> sufficient documentation to validate this alleged debt while continuing to report it on my consumer credit report. \n\nAs a debt buyer, MIDLAND CREDIT MANAGEMENT <em>must</em> <em>provide</em> competent evidence of the alleged obligation. To date, the company has <em>failed</em> to <em>provide</em> such evidence, and continued reporting of this <em>account</em> raises serious concerns regarding compliance with federal and state law."]},"sort":[12.10878,"21035803"]},{"_index":"complaint-public-v1","_id":"17892519","_score":12.1011,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX is reporting late payments that are inaccurate and unsupported. They have not provided any account records, payment history documentation, notices, or timestamps to validate the delinquency. \n\nUnder FCRA 611 ( a ), the furnisher must provide reliable, verifiable documentation. Since they have failed to substantiate these late payments, the information is unverified and must be removed.","date_sent_to_company":"2025-11-30T14:56:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32809","tags":null,"has_narrative":true,"complaint_id":"17892519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Wheel City Motors East, Inc.","date_received":"2025-11-30T14:52:26.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["They have not provided any <em>account</em> records, payment history documentation, notices, or timestamps to validate the delinquency. \n\nUnder FCRA 611 ( a ), the furnisher <em>must</em> <em>provide</em> reliable, verifiable documentation. Since they have <em>failed</em> to substantiate these late payments, the <em>information</em> is unverified and <em>must</em> be removed."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Account</em> <em>information</em> incorrect"]},"sort":[12.1011,"17892519"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":47253,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":47253}]}},"product":{"doc_count":47253,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":33884,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":33749},{"key":"Other personal consumer report","doc_count":135}]}},{"key":"Debt 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