{"took":95,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3963,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2738541","_score":25.981125,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX I sent TransWorld system a validation letter in regards to a collection account that was on my credit from them that was unfamiliar to me. TransWorld failed to respond or put my account in a disputed status within 30 days .... Per FCRA regulations all accounts must be placed in a disputed status within 30 days from the date of receipt ... Per my certified united States postal service mailing receipt TransWorld Systems received my letter on XXXX XXXX, 2017 ... As a result of a direct violation of FCRA, and also failing to respond I ask that this account be removed immediately and not sold to any other company ...","date_sent_to_company":"2017-11-28T08:48:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"235XX","tags":null,"has_narrative":true,"complaint_id":"2738541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2017-11-28T03:35:08.000Z","state":"VA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["On XXXX XXXX I sent TransWorld system a <em>validation</em> letter in regards to a collection <em>account</em> that was on my credit from them that was unfamiliar to me. TransWorld <em>failed</em> to <em>respond</em> or put my <em>account</em> in a disputed status <em>within</em> 30 <em>days</em> .... Per FCRA regulations all <em>accounts</em> <em>must</em> be placed in a disputed status <em>within</em> 30 <em>days</em> from the date of <em>receipt</em> ... Per my certified united States postal service mailing <em>receipt</em> TransWorld Systems received my letter on XXXX XXXX, 2017 ..."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[25.981125,"2738541"]},{"_index":"complaint-public-v1","_id":"3700481","_score":25.327066,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX - Fail to Respond letter XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXX, HE XXXX RE : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear XXXX, This letter is to inform you that the debt collector, Portfolio Recovery Associates has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report. It's a violation of the collection practices act for a debt collector to fail to respond to my verification letter. \nUnder the Fair Debt Collection Practices Act, Portfolio Recovery Associates, is required to respond to my request for validation within 30 days of receipt of my communication. It has been more than 30 days, and I have yet to receive a response.\n\nUnder both State and Federal consumer law, I have the right to have my debt validated, and Portfolio Recovery Associates is obligated to respond within the statutory time limit. \n\nFailure to respond to my requests for validation is a violation of the Fair Credit Reporting Act. I have included with this letter, a copy of the certified mailed receipt proving that Portfolio Recovery Associates received my Validation letter.\n\nThis letter is to also inform you that the Texas Statute of Limitations ( 4 years ) on this debt has expired. This letter is my legal right of assertion that the debt is no longer a collectable debt. You must hereby cease and desist all collection actions and activities on this account against me, immediately. \n\nPlease be aware, Failure to abide by the FDCPA could result in legal action against you and fines assessed by the U.S. Federal Trade Commission. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX","date_sent_to_company":"2020-06-22T13:57:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"78665","tags":"Servicemember","has_narrative":true,"complaint_id":"3700481","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2020-06-15T23:54:10.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["It's a violation of the collection practices act for a debt collector to <em>fail</em> to <em>respond</em> to my verification letter. \nUnder the Fair Debt Collection Practices Act, Portfolio Recovery Associates, is required to <em>respond</em> to my request for <em>validation</em> <em>within</em> 30 <em>days</em> of <em>receipt</em> of my communication. It has been more than 30 <em>days</em>, and I have yet to receive a response."]},"sort":[25.327066,"3700481"]},{"_index":"complaint-public-v1","_id":"3700493","_score":25.326605,"_source":{"product":"Debt collection","complaint_what_happened":"Equifax - Fail to Respond letter XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear Equifax, This letter is to inform you that the debt collector, XXXX XXXX XXXX has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report. It's a violation of the collection practices act for a debt collector to fail to respond to my verification letter. \nUnder the Fair Debt Collection Practices Act, XXXX XXXX XXXX, is required to respond to my request for validation within 30 days of receipt of my communication. It has been more than 30 days, and I have yet to receive a response. \n\nUnder both State and Federal consumer law, I have the right to have my debt validated, and XXXX XXXX XXXX is obligated to respond within the statutory time limit. \n\nFailure to respond to my requests for validation is a violation of the Fair Credit Reporting Act. I have included with this letter, a copy of the certified mailed receipt proving that XXXX XXXX XXXX received my Validation letter.\n\nThis letter is to also inform you that the Texas Statute of Limitations ( 4 years ) on this debt has expired. This letter is my legal right of assertion that the debt is no longer a collectable debt. You must hereby cease and desist all collection actions and activities on this account against me, immediately. \n\nPlease be aware, Failure to abide by the FDCPA could result in legal action against you and fines assessed by the U.S. Federal Trade Commission. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX","date_sent_to_company":"2020-06-15T23:54:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"78665","tags":"Servicemember","has_narrative":true,"complaint_id":"3700493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-06-15T23:34:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["It's a violation of the collection practices act for a debt collector to <em>fail</em> to <em>respond</em> to my verification letter. \nUnder the Fair Debt Collection Practices Act, XXXX XXXX XXXX, is required to <em>respond</em> to my request for <em>validation</em> <em>within</em> 30 <em>days</em> of <em>receipt</em> of my communication. It has been more than 30 <em>days</em>, and I have yet to receive a response."]},"sort":[25.326605,"3700493"]},{"_index":"complaint-public-v1","_id":"3774301","_score":24.896778,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2020 I sent a certified letter to Professional Debt Mediation for debt validation. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XX/XX/2020 a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the professional Debt Mediation. I provided a four page validation letter package for the company to complete but they never responded.","date_sent_to_company":"2020-08-01T06:20:19.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"75023","tags":null,"has_narrative":true,"complaint_id":"3774301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Debt Mediation, Inc.","date_received":"2020-08-01T02:03:44.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["If the office <em>fails</em> to <em>respond</em> to my <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of <em>receipt</em>, all references to the <em>account</em> <em>must</em> be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XX/XX/2020 a negative was still reported on my credit reports but still I never received a response to my <em>validation</em> letter with the requested information i asked from the professional Debt Mediation."]},"sort":[24.896778,"3774301"]},{"_index":"complaint-public-v1","_id":"3778811","_score":24.297451,"_source":{"product":"Debt collection","complaint_what_happened":"I sent a certified letter to United revenue corporation for debt validation.  The company did receive my letter. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XX/XX/2020 a  negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete.","date_sent_to_company":"2020-08-04T15:48:35.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"75023","tags":null,"has_narrative":true,"complaint_id":"3778811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Revenue Corporation","date_received":"2020-08-04T15:22:53.000Z","state":"TX","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["If the office <em>fails</em> to <em>respond</em> to my <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of <em>receipt</em>, all references to the <em>account</em> <em>must</em> be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XX/XX/2020 a  negative was still reported on my credit reports but still I never received a response to my <em>validation</em> letter with the requested information i asked from the company i provided a four page <em>validation</em> letter package for the company"]},"sort":[24.297451,"3778811"]},{"_index":"complaint-public-v1","_id":"3774262","_score":23.837648,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX XXXX I sent a certified letter to National Credit System inc for debt validation. the letter arrive to the company on XX/XX/2020. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately XXXX XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete. In the validation letter package I sent a Cease and Desist for the company to stop with harassing calls which National credit system inc finally comply to do but they never responded to my validation request.","date_sent_to_company":"2020-08-01T05:36:13.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"75023","tags":null,"has_narrative":true,"complaint_id":"3774262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2020-08-01T01:06:35.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["If the office <em>fails</em> to <em>respond</em> to my <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of <em>receipt</em>, all references to the <em>account</em> <em>must</em> be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately XXXX XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my <em>validation</em> letter with the requested information i asked from the company i provided a four page <em>validation</em> letter package for the company to"]},"sort":[23.837648,"3774262"]},{"_index":"complaint-public-v1","_id":"3770591","_score":23.797459,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX XXXX I sent a certified letter to Bull City Financial solutions for debt validation. the letter arrive to the company on XXXX XXXX. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete.","date_sent_to_company":"2020-07-30T00:26:25.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"75023","tags":null,"has_narrative":true,"complaint_id":"3770591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bull City Financial Solutions, Inc","date_received":"2020-07-29T23:23:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["If the office <em>fails</em> to <em>respond</em> to my <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of <em>receipt</em>, all references to the <em>account</em> <em>must</em> be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my <em>validation</em> letter with the requested information i asked from the company i provided a four page <em>validation</em> letter package for the company to"]},"sort":[23.797459,"3770591"]},{"_index":"complaint-public-v1","_id":"5106923","_score":23.787937,"_source":{"product":"Debt collection","complaint_what_happened":"on XX/XX/2021 I request in writing a certified mail Domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section respectfully request your office National Credit Adjusters to provide me with competent evidence such as original contract interest rate disclosure payment history something that I have any legal obligation to pay you National Credit Adjusters if your office fails to respond to this validation request within 30days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately. National Credit Adjusters did not remove nor sent me a copy of such deletion should've been sent to me immediately associated with the above-mentioned have grossly violated section 809 & 15 USC 1692g of the FDCPA This account hasn't been Validation my Name is also spelled wrong look at my consumer file it stayed I made payment I didn't this account was a charge off never received 1099C NOTHING they did not respond within the 30 days","date_sent_to_company":"2022-01-13T16:38:16.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"299XX","tags":null,"has_narrative":true,"complaint_id":"5106923","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Adjusters, LLC","date_received":"2022-01-13T16:13:40.000Z","state":"SC","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["<em>fails</em> to <em>respond</em> to this <em>validation</em> request <em>within</em> 30<em>days</em> from the date of your <em>receipt</em>, all references to this <em>account</em> <em>must</em> be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately."]},"sort":[23.787937,"5106923"]},{"_index":"complaint-public-v1","_id":"2570839","_score":23.567448,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX XXXX 2017, i disputed online to your collection agency asking for validation to this debt. I am not requesting for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. A copy of a signed contract by me with your collection office, a copy of the original contract between you and i?? If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.","date_sent_to_company":"2017-07-21T17:00:25.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"710XX","tags":null,"has_narrative":true,"complaint_id":"2570839","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2017-07-11T15:52:45.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["If your office <em>fails</em> to <em>respond</em> to this <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of your <em>receipt</em>, all references to this <em>account</em> <em>must</em> be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[23.567448,"2570839"]},{"_index":"complaint-public-v1","_id":"6689060","_score":23.424536,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear XXXX, TransUnion and XXXX. \n\nXXXX account # XXXX According to the FCRA 15USC 1681B Permissible purpose- The XXXX ChargeOff account is inaccurate and is in violation of my rights and defamation of my character. \n\nOn XXXX XXXX I mailed out letter for verification of the negative XXXX XXXX that is being placed on my credit report. ( see attachment letter ) I mailed it certified ( see attached receipt ) using the address on my credit report. XXXX NEVER responded to my letter within or pass the 30 day mark. They also never updated my account with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and creditors that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. \n\nThis account was not validated and because of that I DEMAND that this inaccurate account be removed off my credit file ASAP!","date_sent_to_company":"2023-03-13T21:36:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30906","tags":null,"has_narrative":true,"complaint_id":"6689060","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-13T20:46:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["They also never updated my <em>account</em> with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes <em>must</em> be answered in 30 <em>days</em>, and creditors that <em>fail</em> to meet that criteria can be punished. They <em>must</em> at least <em>respond</em> to you in 30 <em>days</em>, and if they <em>fail</em> in that, the disputed item is required to be removed. \n\nThis <em>account</em> was not <em>validated</em> and because of that I DEMAND that this inaccurate <em>account</em> be removed off my credit file ASAP!"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[23.424536,"6689060"]},{"_index":"complaint-public-v1","_id":"6689124","_score":23.420927,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Equifax, XXXX and XXXX. \n\nXXXX account # XXXX According to the FCRA 15USC 1681B Permissible purpose- The XXXX ChargeOff account is inaccurate and is in violation of my rights and defamation of my character. \n\nOn XXXX XXXX I mailed out letter for verification of the negative XXXX Item that is being placed on my credit report. ( see attachment letter ) I mailed it certified ( see attached receipt ) using the address on my credit report. XXXX NEVER responded to my letter within or pass the 30 day mark. They also never updated my account with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and creditors that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. \n\nThis account was not validated and because of that I DEMAND that this inaccurate account be removed off my credit file ASAP!","date_sent_to_company":"2023-03-13T21:37:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30906","tags":null,"has_narrative":true,"complaint_id":"6689124","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-13T21:36:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["They also never updated my <em>account</em> with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes <em>must</em> be answered in 30 <em>days</em>, and creditors that <em>fail</em> to meet that criteria can be punished. They <em>must</em> at least <em>respond</em> to you in 30 <em>days</em>, and if they <em>fail</em> in that, the disputed item is required to be removed. \n\nThis <em>account</em> was not <em>validated</em> and because of that I DEMAND that this inaccurate <em>account</em> be removed off my credit file ASAP!"]},"sort":[23.420927,"6689124"]},{"_index":"complaint-public-v1","_id":"6689123","_score":23.387268,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear XXXX, XXXX and Experian. \n\nXXXX account # XXXX According to the FCRA 15USC 1681B Permissible purpose- The XXXX ChargeOff account is inaccurate and is in violation of my rights and defamation of my character. \n\nOn XXXX XXXX I mailed out letter for verification of the negative XXXX Item that is being placed on my credit report. ( see attachment letter ) I mailed it certified ( see attached receipt ) using the address on my credit report. XXXX NEVER responded to my letter within or pass the 30 day mark. They also never updated my account with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and creditors that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. \n\nThis account was not validated and because of that I DEMAND that this inaccurate account be removed off my credit file ASAP!","date_sent_to_company":"2023-03-13T21:37:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30906","tags":null,"has_narrative":true,"complaint_id":"6689123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-13T21:36:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["They also never updated my <em>account</em> with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes <em>must</em> be answered in 30 <em>days</em>, and creditors that <em>fail</em> to meet that criteria can be punished. They <em>must</em> at least <em>respond</em> to you in 30 <em>days</em>, and if they <em>fail</em> in that, the disputed item is required to be removed. \n\nThis <em>account</em> was not <em>validated</em> and because of that I DEMAND that this inaccurate <em>account</em> be removed off my credit file ASAP!"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[23.387268,"6689123"]},{"_index":"complaint-public-v1","_id":"4078123","_score":23.292253,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2020, I was sent a letter from Mountain Run Solutions that I allegedly owed XXXX  {$1600.00}. I do not owe this company any money and this was my first time hearing that I allegedly owed a debt to this company. \nOn XX/XX/2020, Mountian Run Solutions received a debt validation letter from me asking them to validate the debt and not simply to verify it. \nAs of XXXX XXXX, I have not recieved anything from Mountain Run Solutions that validates this debt and they illegally put the collection on my XXXX  and XXXX  credit report without providing me validation of the alleged debt. \nThe law states that if collection agencies fail to respond to validation requests within 30 days from receipt of the validation letter, all references to the account must be deleted and completely removed from my credit file. \nIn XXXX of 2020, I disputed this alleged debt with both XXXX and XXXX  and both companies said Mountain Run Solutions said the debt was accurate, which is totally false. I am requesting that this alleged debt be removed from all of my credit files due to the illegal practices of failing to provide valididation of the debt within 30 days of receipt of validation request.","date_sent_to_company":"2021-05-19T11:25:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"60561","tags":null,"has_narrative":true,"complaint_id":"4078123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mountain Run Solutions, LLC","date_received":"2021-01-19T20:25:35.000Z","state":"IL","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The law states that if collection agencies <em>fail</em> to <em>respond</em> to <em>validation</em> requests <em>within</em> 30 <em>days</em> from <em>receipt</em> of the <em>validation</em> letter, all references to the <em>account</em> <em>must</em> be deleted and completely removed from my credit file. \nIn XXXX of 2020, I disputed this alleged debt with both XXXX and XXXX  and both companies said Mountain Run Solutions said the debt was accurate, which is totally false."]},"sort":[23.292253,"4078123"]},{"_index":"complaint-public-v1","_id":"10110954","_score":23.270515,"_source":{"product":"Debt collection","complaint_what_happened":"Contacted Transworld Systems via telephone XX/XX/year> @ XXXX EST. Call lasted 19 minutes inquiring about the debt. When I asked the person with whom I was speaking with to verify their mailing address he tried giving a po box address. I explained that I needed to send them a certified letter and that can not be received by a po box . I then asked for a physical address in which he got hesitant and then hung up on me. I then took action and found a physical address for their 2 locations and I sent a validation of debt letter to both addresses. One location in XXXX no longer existed however the XXXX location signed for the certified mail upon receipt on XX/XX/year>. Within the validation letter it states that per the FCRA the agency has 30 days upon the date of receipt to validate the debt. Not for verification but for Validation. If their office fails to respond to the validation request within 30 days of receipt, all references to this account must be deleted and completely removed from my credit file immediately. It has now been 30 days today XXXX. There has been no response from the offices of Transworld Systems since they signed for the certified mail. This needs to be removed from my credit file. I have a copy of the validation letter, the receipt from the certified mail to include the signature upon receipt and an explanation letter of everything that happened when I tried contacting them. I have also disputed upon XXXX, XXXX XXXX XXXX along with the attached documents listed above from my personal correspondence regarding this issue.","date_sent_to_company":"2024-09-13T22:11:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"21222","tags":"Servicemember","has_narrative":true,"complaint_id":"10110954","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2024-09-13T21:45:46.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If their office <em>fails</em> to <em>respond</em> to the <em>validation</em> request <em>within</em> 30 <em>days</em> of <em>receipt</em>, all references to this <em>account</em> <em>must</em> be deleted and completely removed from my credit file immediately. It has now been 30 <em>days</em> today XXXX. There has been no response from the offices of Transworld Systems since they signed for the certified mail. This needs to be removed from my credit file."]},"sort":[23.270515,"10110954"]},{"_index":"complaint-public-v1","_id":"12571552","_score":23.038374,"_source":{"product":"Debt collection","complaint_what_happened":"Validation for Account To Whom It May Concern This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. \nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a \" verification '' ; I am requesting a \" validation ; '' that is, competent evidence that I have some contractual obligation to pay you. \nPlease provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? \nAmount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. \nIf your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.","date_sent_to_company":"2025-03-20T18:45:11.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"11580","tags":null,"has_narrative":true,"complaint_id":"12571552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-03-20T18:17:06.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["If your offices <em>fail</em> to <em>respond</em> to this <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of your <em>receipt</em>, all references to this <em>account</em> <em>must</em> be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately."]},"sort":[23.038374,"12571552"]},{"_index":"complaint-public-v1","_id":"8298353","_score":23.033794,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. \nIt would be advisable that you and your client assure that your records are in order before I am forced to. \ntake legal action.","date_sent_to_company":"2024-02-08T05:20:36.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"33314","tags":null,"has_narrative":true,"complaint_id":"8298353","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-08T05:06:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["If your offices <em>fail</em> to <em>respond</em> to this <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of your <em>receipt</em>, all references to this <em>account</em> <em>must</em> be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. \nIt would be advisable that you and your client assure that your records are in order before I am forced to. \ntake legal action."]},"sort":[23.033794,"8298353"]},{"_index":"complaint-public-v1","_id":"3131482","_score":22.989464,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/18, I sent Midland Funding a written notice of dispute and request for validation of a debt that is being reported as an unpaid collection account on my credit report. The original creditor account number is XXXX. As is required by the FDCPA, the FCRA, and the FCCPA, upon receipt of a dispute and request for validation of debt, the reporting entity is required to conduct an investigation of the dispute, and respond to the consumer within 30 days. As of XX/XX/18, i had not received a response from Midland Funding, and sent a follow up letter to them notifying them of the same. It has now been more than 30 days since my second request, and Midland Funding has still failed to respond to my request. Pursuant to the FDCPA and the FCRA, Midland Funding must now cease collection activity on the account in question, and delete the entry from my credit report. I am requesting written confirmation from Midland Funding that my request has been honored, and that the item has been deleted.","date_sent_to_company":"2019-01-23T20:13:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33323","tags":null,"has_narrative":true,"complaint_id":"3131482","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2019-01-23T20:05:26.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/18, I sent Midland Funding a written notice of dispute and request for <em>validation</em> of a debt that is being reported as an unpaid collection <em>account</em> on my credit report. The original creditor <em>account</em> number is XXXX. As is required by the FDCPA, the FCRA, and the FCCPA, upon <em>receipt</em> of a dispute and request for <em>validation</em> of debt, the reporting entity is required to conduct an investigation of the dispute, and <em>respond</em> to the consumer <em>within</em> 30 <em>days</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[22.989464,"3131482"]},{"_index":"complaint-public-v1","_id":"11138067","_score":22.845621,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.\n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a \" verification '' ; I am requesting a \" validation ; '' that is, competent evidence that I have some contractual obligation to pay you. \nPlease provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?\n\nAmount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. \nIf your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.","date_sent_to_company":"2024-12-12T14:07:27.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"316XX","tags":null,"has_narrative":true,"complaint_id":"11138067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-12-12T14:02:37.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["If your offices <em>fail</em> to <em>respond</em> to this <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of your <em>receipt</em>, all references to this <em>account</em> <em>must</em> be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately."]},"sort":[22.845621,"11138067"]},{"_index":"complaint-public-v1","_id":"7524629","_score":22.81944,"_source":{"product":"Debt collection","complaint_what_happened":"I wrote XXXX XXXX a proof of validation letter on several occasions. XX/XX/2023, XX/XX/2023, and XX/XX/2023, in which they have responded to the XX/XX/XXXX letter stating that they performed an investigation and have already responded to my previous dispute ( completely untrue- I have noticed they don't bother stamping the certified return receipt slip to confirm receipt of the letter ) this is the first time that I have received any correspondence from XXXX XXXX ( if in fact it is XXXX XXXX who responded as their letter head has a different company name ) and they have failed to provide me with the information that I have requested. Nevertheless, according to the Fair Debt Collection Practices Act ( FDCPA ) debt collectors must provide validation of the debt if the consumer disputes it within 30 days of the initial debt collection notice. ( 15 U.S.C. 1692g. ) I disputed the debt for the following reasons. This is not my account ; the balance being reported is incorrect, this account does not belong to me. Per my request XXXX has not provided sufficient evidence that I owe this debt.","date_sent_to_company":"2023-09-09T23:54:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"78229","tags":null,"has_narrative":true,"complaint_id":"7524629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Velocity Portfolio Group","date_received":"2023-09-09T22:54:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Nevertheless, according to the Fair Debt Collection Practices Act ( FDCPA ) debt collectors <em>must</em> provide <em>validation</em> of the debt if the consumer disputes it <em>within</em> 30 <em>days</em> of the initial debt collection notice. ( 15 U.S.C. 1692g. ) I disputed the debt for the following reasons. This is not my <em>account</em> ; the balance being reported is incorrect, this <em>account</em> does not belong to me. Per my request XXXX has not provided sufficient evidence that I owe this debt."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[22.81944,"7524629"]},{"_index":"complaint-public-v1","_id":"11138867","_score":22.79467,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.\n\nUnder the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a \" verification '' ; I am requesting a \" validation ; '' that is, competent evidence that I have some contractual obligation to pay you. \nPlease provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?\n\nAmount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. \nIf your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.","date_sent_to_company":"2024-12-12T14:12:51.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"316XX","tags":null,"has_narrative":true,"complaint_id":"11138867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-12-12T14:09:45.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["If your offices <em>fail</em> to <em>respond</em> to this <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of your <em>receipt</em>, all references to this <em>account</em> <em>must</em> be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately."]},"sort":[22.79467,"11138867"]},{"_index":"complaint-public-v1","_id":"11138851","_score":22.79467,"_source":{"product":"Debt collection","complaint_what_happened":"To\n\nWhom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a \" verification '' ; I am requesting a \" validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt c\nollector or purchased?\n\nAmount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.\n\nIf your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.","date_sent_to_company":"2024-12-12T14:17:08.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"316XX","tags":null,"has_narrative":true,"complaint_id":"11138851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Radius Global Solutions LLC","date_received":"2024-12-12T14:14:21.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["If your offices <em>fail</em> to <em>respond</em> to this <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of your <em>receipt</em>, all references to this <em>account</em> <em>must</em> be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[22.79467,"11138851"]},{"_index":"complaint-public-v1","_id":"17161552","_score":22.70626,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year> I requested validation of the alleged debt under 15 U.S.C. 1692g. You failed to respond within 30 days, yet the account remains reported to the 3 credit bureaus.\n\nContinuing to report an unverified debt violates 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( b ). You must cease reporting this account and instruct the credit bureaus to delete it immediately or I will pursue further remedies.\n\nI am attaching the original debt validation letter request which was sent certified mail as well as the receipt of that certified mail, and bbb complaint. the phone calls stopped but the false reporting has not.","date_sent_to_company":"2025-11-11T22:21:24.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"070XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17161552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-11-11T22:09:09.000Z","state":"NJ","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["On XX/XX/year> I requested <em>validation</em> of the alleged debt under 15 U.S.C. 1692g. You <em>failed</em> to <em>respond</em> <em>within</em> 30 <em>days</em>, yet the <em>account</em> remains reported to the 3 credit bureaus.\n\nContinuing to report an unverified debt violates 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( b ). You <em>must</em> cease reporting this <em>account</em> and instruct the credit bureaus to delete it immediately or I will pursue further remedies."]},"sort":[22.70626,"17161552"]},{"_index":"complaint-public-v1","_id":"21745865","_score":22.691177,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am writing to request validation of the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).\n\nI dispute this debt in its entirety and request that you provide proper validation. Please provide the following : - The name and address of the original creditor - The full account number- The amount of the alleged debt, including an itemization of fees, interest, and charges - Documentation bearing my signature showing I agreed to this debt - Proof that your company is authorized to collect on this debt Until you provide the requested validation, you must cease all collection activities, as required under the FDCPA.\n\nAdditionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), if you are reporting this account to any credit reporting agency, you must ensure that all information is accurate and verifiable. If you can not validate this debt, you must delete any related entries from my credit report.\n\nIf you fail to respond with proper validation, I will consider this matter closed and expect immediate deletion of this account from all credit reporting agencies.\n\nPlease respond within 30 days of receipt of this letter.","date_sent_to_company":"2026-04-30T13:15:23.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"32256","tags":null,"has_narrative":true,"complaint_id":"21745865","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Halsted Financial Services, LLC.","date_received":"2026-04-30T13:06:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Please <em>respond</em> <em>within</em> 30 <em>days</em> of <em>receipt</em> of this letter."]},"sort":[22.691177,"21745865"]},{"_index":"complaint-public-v1","_id":"7609455","_score":22.676622,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/2023, the date in which I wrote and sent certified mail/letter to Midland Credit Management informing them that I am disputing their claim and requesting validation in which I am allowed to under the FDCPA. I requested validation of the debt they say I owe and requesting proof that I am indeed the party they are asking to pay the debt and to show proof of a contractual obligation binding on me to pay said debt to them. I did NOT request a validation of my address, or proof of address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I requested that if the office was unable to provide the proper documentation as requested, then I will require 30 days to investigate the information and during such time that all collection activity must cease and desist. Informed Midland that if the office fails to respond to the validation request within 30 days from the date of their receipt, that all references to the account must be deleted and completely removed from my credit file and a copy of deletion request shall be sent to me immediately.","date_sent_to_company":"2023-09-26T19:23:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"93611","tags":null,"has_narrative":true,"complaint_id":"7609455","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2023-09-26T18:48:16.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Informed Midland that if the office <em>fails</em> to <em>respond</em> to the <em>validation</em> request <em>within</em> 30 <em>days</em> from the date of their <em>receipt</em>, that all references to the <em>account</em> <em>must</em> be deleted and completely removed from my credit file and a copy of deletion request shall be sent to me immediately."]},"sort":[22.676622,"7609455"]},{"_index":"complaint-public-v1","_id":"2642247","_score":22.657711,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Original notice of Dispute to BMW Financial Services was signed for and received by them on X/XX/2017. I advised them they must validate the debt and \" Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.\nThey did not respond within the 30 days required by the FCRA & FDCPA. I sent a follow up letter notifying them of their violation. They received and signed for the 2nd letter X/XX/2017. They sent a letter X/XX/2017 stating they did n't believe it was from me and that they thought it was from a credit repair company and their policy is to only respond to requests sent directly by customers. This was their attempt to disregard the fact they had already broken the law with their failure to respond within 30 days to my original letter.\nI sent a follow up letter which they received and signed for on X/XX/2017, notifying them \" There is no verbiage in the Fair Credit Reporting Act or and/or the Fair Debt Collection Practices Act that allows for a creditor to not respond or place a \" notice of dispute '' on my account within 30 days of my dispute due to a \" reason to believe '' the request was n't sent directly by the consumer/me. Further, there was no attempt within the original 30 day timeframe made by BMW Financial Services to inquire as to whether the request was sent by me, it was assumed it was n't me. My original dispute was legally valid and you failed to respond within 30 days, period. '' There has been no further correspondence sent by BMW Financial after receipt of this letter on X/XX/2017 and they still have not placed a \" notice of dispute '' on my credit report nor have they \" validated the debt ''.","date_sent_to_company":"2017-08-15T21:03:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92585","tags":null,"has_narrative":true,"complaint_id":"2642247","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2017-08-15T20:21:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Further, there was no attempt <em>within</em> the original 30 day timeframe made by BMW Financial Services to inquire as to whether the request was sent by me, it was assumed it was n't me. My original dispute was legally valid and you <em>failed</em> to <em>respond</em> <em>within</em> 30 <em>days</em>, period. '' There has been no further correspondence sent by BMW Financial after <em>receipt</em> of this letter on X/XX/2017 and they still have not placed a \" notice of dispute '' on my credit report nor have they \" <em>validated</em> the debt ''."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[22.657711,"2642247"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3963,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3963}]}},"product":{"doc_count":3963,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":1799,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1061},{"key":"Credit card debt","doc_count":263},{"key":"Other debt","doc_count":191},{"key":"Medical debt","doc_count":111},{"key":"Telecommunications debt","doc_count":43},{"key":"Auto 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