{"took":1175,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":19,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14485366","_score":25.5427,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this complaint against Experian for continuing to report multiple inaccurate and unverifiable items on my credit report despite formal disputes. These accounts contain significant reporting errors, including late payments on federal student loans during protected deferment and forbearance periods under the CARES Act, and an unverifiable collection that was never validated. Despite my good faith efforts to resolve these issues through direct disputes, Experian has failed to conduct a proper reinvestigation as required under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). \n\nThe accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$13000.00} All of the above are federal student loan accounts that reported late payments during periods where payments were legally suspended under the CARES Act or during official deferment/forbearance periods. Reporting delinquencies during these periods is misleading and violates FCRA 1681e ( b ), which requires that credit bureaus maintain accurate and up-to-date information. \n\nAdditionally : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$26.00} This account reflects a late payment without prior notification or billing statement. I never received proper notice, which violates fair billing and reporting practices. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$680.00} This is not my debt. I submitted a request for validation and have never received supporting documentation. Despite this, Experian continues to report the account, violating FCRA 1681i and FDCPA 809 ( b ).\n\nExperian has failed to meet its legal obligation to conduct a thorough reinvestigation. Their ongoing reporting of this inaccurate and unverifiable data is causing financial harm and emotional distress. I am requesting that the CFPB intervene and ensure Experian removes or properly verifies all disputed information in compliance with federal law. \n\nThank you for your assistance in this matter.","date_sent_to_company":"2025-07-07T23:01:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"02301","tags":null,"has_narrative":true,"complaint_id":"14485366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-07T22:58:09.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXXXX/XX/XXXX Balance : {$13000.00} All of the above are federal student loan <em>accounts</em> that reported late payments during <em>periods</em> <em>where</em> payments were legally suspended under the CARES Act or during official <em>deferment</em>/<em>forbearance</em> <em>periods</em>."]},"sort":[25.5427,"14485366"]},{"_index":"complaint-public-v1","_id":"12858594","_score":19.865637,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Securitization and Legal Standing to Service or Report Nelnet continues to assert itself as the creditor and servicer despite publicly available and attached documentation demonstrating that the loans in question were transferred via a true sale to the Nelnet Student Loan Trust, relinquishing all legal title and equitable interest. Accordingly, Nelnet lacks standing to collect, report, or enforce these loans under its own name, constituting deceptive practices under the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). \n\nDemand : Nelnet must produce proof that the loans were not permanently conveyed to a trust, and provide documentation showing it retains ownership, title, or servicing rights. If the loans are trust-held, Nelnet must cease all collection activity and credit reporting under its name. Failure to Provide Adequate Notice and Due Process Nelnet alleges that it notified me via email regarding the scheduled IDR anniversary and subsequent recalculation of my payment. However, I did not receive any adequate or timely notice, either via mail or secure message, and no verifiable proof has been furnished to confirm that such communication was successfully delivered, opened, or understood by the borrower as required under 34 CFR 685.209 and 682.208. A borrowers failure to recertify income does not justify an abrupt increase in payment without multiple proactive outreach attempts. \n\nDemand : Nelnet must provide time-stamped, detailed records of all communications sent, including content, delivery method, and response logs confirming actual receipt not mere system-generated logs. Misreporting Under the Fair Credit Reporting Act Nelnet continues to furnish tradelines to credit bureaus in violation of 15 U.S. Code 1681s2 ( a ), which prohibits the reporting of inaccurate or misleading information. Furnishing data as a creditor when it is \" no longer the creditor or authorized servicer '' is materially false and damaging to my credit profile.\n\nDemand : All tradelines furnished under Nelnets name must be investigated and deleted or corrected to reflect the true legal creditor or owner of the loan. \nPSLF Count Discrepancies and Processing Errors Nelnets report of 107 PSLF-qualifying payments is unverifiable and inconsistent with my own records. Moreover, Nelnet fails to account for multiple periods where forbearance or deferment were misapplied, and IDR recertification issues some potentially caused by servicer error unfairly interrupted my PSLF progress. \nDemand : A full payment audit must be conducted by XXXX, with retroactive credit granted for all qualifying months improperly excluded due to servicer error or administrative forbearance.","date_sent_to_company":"2025-04-07T18:33:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12858594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-04-07T18:22:09.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Moreover, Nelnet <em>fails</em> to <em>account</em> for <em>multiple</em> <em>periods</em> <em>where</em> <em>forbearance</em> or <em>deferment</em> were misapplied, and IDR recertification issues some potentially caused by servicer error unfairly interrupted my PSLF progress. \nDemand : A full payment audit must be conducted by XXXX, with retroactive credit granted for all qualifying months improperly excluded due to servicer error or administrative <em>forbearance</em>."]},"sort":[19.865637,"12858594"]},{"_index":"complaint-public-v1","_id":"18432969","_score":19.280848,"_source":{"product":"Student loan","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint concerning persistent and ongoing errors in the servicing of my federal student loan account. Specifically, Nelnet has : - Reflected inaccurate loan balances that do not match my actual payment history. \n- Mishandled my account status, including the improper reporting of repayment, deferment, or forbearance periods. \n- Failed to accurately investigate and correct documented errors despite my submissions and supporting evidence. \n\nThese servicing errors are significant as they impact my credit reporting, financial planning, repayment strategy, and potentially my eligibility for loan forgiveness or repayment programs. \n\nTo highlight the gravity of these issues, it is pertinent to note that Nelnet is currently involved in multiple legal actions and class-action litigation related to misconduct in loan servicing. These include : - Class action lawsuits alleging miscalculations of income-driven repayment amounts and systemic delays in processing applications for repayment plans and loan forgiveness, which mirror the types of errors I have experienced. \n- Data security litigation and settlement activity stemming from a significant XXXX data breach affecting millions of borrowers, illustrating compliance and data management concerns at the company. \n- Ongoing federal litigation related to credit reporting practices, including cases where Nelnets motion to dismiss was denied, allowing discovery to proceed in a lawsuit alleging violations of the Fair Credit Reporting Act ( FCRA ).\n\n- Historical class actions alleging that Nelnet misrepresented loan eligibility for federal relief programs and improperly serviced borrower accounts.\n\nThese ongoing matters underscore that the systemic servicing failures and compliance issues at Nelnet are not isolated incidents but part of broader disputes involving borrowers and regulatory requirements.\n\nGiven the above, I formally request the following : 1. A full review and audit of my account history, including payment application, status changes, interest accrual, and balance adjustments.\n\n2. Immediate correction of any inaccurate loan balances and account status designations.\n\n3. Written confirmation of all corrective actions taken, with documentation supporting the corrections.\n\n4. Assurance that no inaccurate or harmful information has been or will be reported to any credit bureau because of these errors ; if it has, evidence of removal must be provided. \n\nSincerely,","date_sent_to_company":"2026-01-02T23:07:20.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"19151","tags":"Servicemember","has_narrative":true,"complaint_id":"18432969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-01-02T22:49:13.000Z","state":"PA","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am submitting this formal complaint concerning persistent and ongoing errors in the servicing of my federal student loan <em>account</em>. Specifically, Nelnet has : - Reflected inaccurate loan balances that do not match my actual payment history. \n- Mishandled my <em>account</em> status, including the improper reporting of repayment, <em>deferment</em>, or <em>forbearance</em> <em>periods</em>. \n- <em>Failed</em> to accurately investigate and correct documented errors despite my submissions and supporting evidence."]},"sort":[19.280848,"18432969"]},{"_index":"complaint-public-v1","_id":"3189450","_score":18.998432,"_source":{"product":"Student loan","complaint_what_happened":"Sallie Mae is the original lender ; Navient is the current one. I am reporting on both companies - namely to complaint about a systematic effort on their part to provide misleading and incomplete information about the multitudinous forbearances and deferments granted by these two lenders to the primary borrower on 2 loans where I am listed as the co-signer. Even when explicitly requested information about these deferments/forbearances in writing, including information about terms and timeframe, Sallie Mae and now Navient have both withheld this information or refused to comply with the requests. This meant for over 1 years I had little information about the types of forbearances that these two were providing and whether they had made any effort whatsoever to offer less expensive payment plans - ones that dont cause the loans to balloon in size during periods of reduced payments. These reduced payments did not make possible for the borrower to be able to request a co-signer release after over a year of on-time payments, but they netted both Sallie Mae and Navient a significant profit. Recently I have been in touch with agent XXXX XXXX at Navient was the most recent individual at Navient to provide false and incomplete information about these loans. 3 months ago she had notified me that Navient had provided the borrower - XXXX XXXX - with yet another reduced payment forebearance but would not disclose the terms. It seems that Navient is intent on ensuring that the borrower would never be able to be eligible for a co-signer release and thats shes eager to have me back take over payments : in short, they fail to provide the borrower with a payment plan that actually pay off the loan, but instead allows it to increase in size as her reduced payments dont even cover interest. XXXX did disclose that Navient continued to allow the borrower to make below-interest payments as she took out new loans. If the borrower had the capacity to borrow more, then she didnt need a forebearance, and the granting of these to the borrower over and over again is meant simply to boost its profits at my expense. 3 months XXXX ago did say only that the borrower was to make 3 payments and then her account would no longer be past due. However, several days after the 3rd scheduled payment, Navient sent me another past due notice demanding payment for her loan. In short, Navient had lied again. \n\nId like to know why Navient continues to lie to me and why they continue to push these pointless forebearances on the the borrower that simply balloon the loan when not only does Navient know that she had recklessly borrowed since she first nearly defaulted on these loans, but that the borrower has NEVER made a single regular payment on these 2 loans, one of which Im now paying. The borrower has shown Navient that the borrower doesnt use forebearances to get back on her feet and be able to make regular monthly payments. No. She uses them to cause me the co-signer to be on the hook for more, as Navient profits. I charge that Navient has been and continue to collude with the borrower irresponsibly to rake in profit when it knows full well from her payment history alone that she has absolutely no intention to use these forebearances to be able to make regular payments that qualify for co-signer release. \n\nI also filed multiple fraud complaints that she signed these loans in my name but neither Sallie Mae nor Navient accepted them. They simply dismissed them. But she still committed fraud.","date_sent_to_company":"2019-03-25T14:45:27.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"22041","tags":null,"has_narrative":true,"complaint_id":"3189450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-03-25T13:59:50.000Z","state":"VA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["I am reporting on both companies - namely to complaint about a systematic effort on their part to provide misleading and incomplete information about the multitudinous <em>forbearances</em> and <em>deferments</em> granted by these two lenders to the primary borrower on 2 loans <em>where</em> I am listed as the co-signer."]},"sort":[18.998432,"3189450"]},{"_index":"complaint-public-v1","_id":"17854596","_score":18.80759,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this rebuttal in response to the companys explanation and the documents they provided in XXXX, XXXX .. pdf, which include disbursement details, payment histories, deferment records, and forbearance logs tied to Account XXXX. After reviewing every page of the file, I must assert again that I do not own this account, I did not authorize these loans, I did not receive or benefit from these funds, and none of the records provided demonstrate that I was the one who initiated or controlled this debt. Because of this, I filed an official FTC Identity Theft Report, and under federal law, the company was required to block or remove the information unless they could prove with verifiable, original documentation that the loans belong to me. They have not met this burden. \n\nAdditionally, by continuing to report derogatory information connected to these disputed loans, the company took or threatened to take negative or legal action against me, because they furnished information that negatively affects my creditworthiness without valid proof that I am responsible for the debt. \n\nXXXX. The PDF Provided Does Not Establish That I Own the Loans The documents contained in XXXX, XXXX .. pdf include : Detailed disbursement sheets for multiple loans allegedly made between XXXX and XXXX Payment histories showing small payments, interest capitalizations, deferments, and forbearances An Account Summary dated XX/XX/XXXX, showing minimum payment amounts and outstanding balances However, none of the following are included : A signed loan application A promissory note bearing verified identity credentials Identity-matching documentation from origination IP logs, completion timestamps, or device authentication Any evidence showing that I personally received or used the loan funds Instead, the PDF contains general servicing records, which only prove that someone interacted with the account over the yearsnot that it was me. Identity thieves often create accounts using stolen personal information, and servicing documents do not prove borrower identity. \n\nTherefore, the documents fail to prove ownership. \n\nXXXX. The Disbursement Records Do Not Prove That I Received or Accepted Any Funds The files show loan disbursements to XXXX XXXX, XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX dating from XXXX to XXXX. \n\nThese records demonstrate only that : Someone received educational funds under the name tied to the account Funds were disbursed directly to schools Loan amounts increased over time None of this demonstrates that : I enrolled in these institutions I approved or authorized any loan I received a refund from the schools I knew of or participated in the financial transactions Disbursement logs do not establish borrower identity. They only show activity on an account, not who created it.\n\n3. The Forbearance, Deferment, and Hardship Entries in the PDF Suggest Fraudulent or Unauthorized Activity Throughout the PDF, there are dozens of transactions showing : Forbearance periods Deferments IBR recertifications REPAYE exits and entries Hardship filings I did not initiate any of these actions.\n\nThese patterns are consistent with identity misuse, where : Payments are not made Accounts repeatedly go into deferment or forbearance Fraudulent users attempt to avoid repayment Activity occurs without the knowledge of the identity theft victim Not a single servicing entry indicates contact from me, communication logs, or borrower verification.\n\nThis supports my position that I do not own the loans.\n\n4. None of the Payment Histories Show Any Payment Connected to Me The PDF includes numerous tiny payments ( e.g., {$0.00}, {$1.00}, {$6.00} ) that were applied to different loans.\n\nThese payments : Do not come from any account belonging to me Do not match my payment patterns, history, or financial behavior Could have been made by schools, fraudulent users, automatic system corrections, or financial aid offices Small automatic or administrative payments are extremely common in fraud cases and do not demonstrate borrower ownership.\n\nThese payment histories do not verify the identity of the borrower.\n\n5. The Consolidation Records Raise Serious Red Flags The PDF contains a Direct Consolidation Loan application under the name XXXX XXXX with an address and reference contacts. \n\nHowever : Fraudulent consolidation applications are one of the most common forms of student aid identity theft.\n\nIdentity thieves frequently consolidate existing fraudulent loans to delay repayment or restructure accounts. \n\nThe presence of an application does not prove that I personally completed or submitted it. \nThere is no verification record showing authenticationonly a data printout.\n\nThis is not proof of ownership.\n\n6. The Account Summary Does Not Prove Borrower Identity The Account Summary section in the PDF lists : Minimum monthly payment : {$300.00} Outstanding balance : over {$40000.00} Account Number : XXXX This is a snapshot of a loan balance, not evidence of who owns the account. \n\nServicing summaries can be generated for any account in the system and do not prove that I authorized or benefited from the debt.\n\n7. I Filed an FTC Identity Theft Report Because I Do Not Own These Loans Because these records do not reflect any financial activity attributable to me, I filed an FTC Identity Theft Report to document that : These loans do not belong to me I did not authorize them I did not know about the servicing or repayment history The activity in the PDF appears fraudulent Under FCRA 605B, the company was legally required to : Block the information Stop furnishing negative information Validate ownership with original documentation They failed to comply.\n\n8. The Company Took or Threatened to Take Negative or Legal Action Against Me By continuing to report : Delinquencies Negative payment histories High outstanding balances Consolidations Forbearances despite the identity theft report and lack of verification, the company took or threatened to take negative or legal action against me.\n\nFalse reporting of default or delinquency implies : Legal responsibility for a federal debt Potential collections Treasury offsets Wage garnishment risk Loss of federal benefits This is harmful, coercive, and unlawful when the account is not verified.\n\n9. Requested Action Given that : The PDF doe\ns not prove ownership I filed an FTC Identity Theft Report The reporting is inaccurate The company threatened negative or legal action through false reporting I request : 1. Full deletion of all accounts associated with XXXX XXXX. XXXX removal of all negative, derogatory, or delinquent reporting 3. Written confirmation that the company will not reinsert the disputed information 4. Cessation of all collection or enforcement activity 5. Full compliance with identity theft protections under the FCRA","date_sent_to_company":"2025-12-09T00:47:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"63033","tags":null,"has_narrative":true,"complaint_id":"17854596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-12-09T00:39:11.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The <em>Forbearance</em>, <em>Deferment</em>, and Hardship Entries in the PDF Suggest Fraudulent or Unauthorized Activity Throughout the PDF, there are dozens of transactions showing : <em>Forbearance</em> <em>periods</em> <em>Deferments</em> IBR recertifications REPAYE exits and entries Hardship filings I did not initiate any of these actions."]},"sort":[18.80759,"17854596"]},{"_index":"complaint-public-v1","_id":"12875010","_score":16.76006,"_source":{"product":"Student loan","complaint_what_happened":"My rights have been violated on multiple occasions. Customer service has been a nightmare. Please see details below amongst many others. \n\nSteering into Forbearance with Capitalization of Interest & Misleading PracticesI was steered into forbearance multiple times despite potentially qualifying for income-driven repayment plans or other programs that could have provided more favorable terms. Forbearance led to the accrual of interest, which was capitalized and added to my principal balance, ultimately exacerbating my financial burden. Forbearance should have been honored without accruing interest during periods of national emergencies such as COVID-19. However, interest still accrued during the forbearance, violating federal policies. These actions also appear to be a violation of federal regulations prohibiting such steering and the manipulation of borrower options for the benefit of the loan servicer. On XX/XX/XXXX, I was placed into forbearance, but XXXX continued to deduct payments during this time, leading to overdraft fees due to insufficient funds. The letter I received from XXXX did not adequately explain that interest would continue to accrue during this period and contradicts the agreement that payments would not be deducted during this time. This created unnecessary financial hardship and violated the terms regarding forbearance under the XXXX provisions. I was not provided with a revised loan agreement or clear documentation reflecting the new loan terms following the forbearance period. Specifically, on XX/XX/XXXX, I reached out to inquire about a revised loan agreement. The response I received stated that no new contract would be issued, and instead, periodic statements would be provided. However, these statements failed to clarify the revised loan terms or provide clear details regarding my payment obligations. \n\nConfusion Regarding Loan OwnershipI have also faced confusion surrounding the ownership of my loan. The loan was transferred to \" Navient Private Loan Trust, '' but I was never properly notified of this change, nor was I provided with the required details regarding the new ownership, as stipulated in my loan agreement. This lack of transparency left me uncertain about how to manage and repay my loan effectively. \nThreat of DefaultI have repeatedly been subjected to threats of loan default, which I believe were made in bad faith, without proper consideration of my financial hardship advised many times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and active attempts to negotiate. Private student loans often go into default after missing XXXX monthly payments, but threats of default were made multiple times. On XX/XX/XXXX, I was notified that my loan was in jeopardy of default and encouraged to make a minimum payment of {$790.00} to avoid further consequences. On XX/XX/XXXX, I received another warning that my loan was close to default, with the entire balance potentially becoming due immediately. These threats continued over the following months : XX/XX/XXXX : I received a letter from XXXX detailing the \" cost of default, '' which included threats of credit reporting repercussions. XX/XX/XXXX : My account was under review for litigation due to continued delinquency. XX/XX/XXXX : I was again threatened with default, and I was told that my account would be considered in default by XX/XX/XXXX, if no payment arrangements were made. These aggressive and harassing communications placed undue stress on me and created a sense of urgency that I could not meet due to my financial situation. The threats of default were made under duress and designed to deceive me into agreeing to unfavorable loan restructuring, Particularly when it was known that I was experiencing financial hardship. Such practices could be considered bad faith behavior and constitute coercion under unconscionability and coercion, violating the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. These threats may constitute unfair and deceptive practices under the Debt Collection Practices Law ( 15 U.S.C. 1692-1692p ), which prohibits lenders from making false, deceptive, or harassing threats about legal action that they do not actually plan to take.\n\nMisleading Communications and Conflicting TermsOn multiple occasions, I received conflicting information from XXXX about my forbearance period and repayment terms. For example, on XX/XX/XXXX, I received an email stating that my forbearance period would begin on XX/XX/XXXX, with a XXXX duration and a resumption date of XX/XX/XXXX. However, the statement I received on the same day indicated a different forbearance period running from XX/XX/XXXX, to XX/XX/XXXX. This discrepancy led to confusion and significant financial uncertainty. \nImproper Enrollment in ProgramsOn XX/XX/XXXX, I was informed by XXXX that my loan terms had been modified to a reduced APR and extended term, committing to a monthly payment of {$490.00}. However, the following day I received a Notice to Cure from Navient Private Loan Trust demanding an immediate payment of {$6300.00}. Despite my conversations with XXXX and Navient, there was a constant back-and-forth between conflicting loan terms, including changes to my repayment term from 210 months to 244 months and, ultimately, to 240 months. These misleading actions regarding loan options, as well as their use of threats to push loan modifications, constitute violations under the Wisconsin Consumer Protection Act ( WCPA ) designed to protect consumers from deceptive practices. \n\nContinued Collection Efforts After Agreement & Debt Collection ViolationsDespite confirming new terms with XXXX and Navient, I continued to receive calls and emails threatening delinquency and reporting inaccurate information. My repeated requests for these communications to cease went unheeded, further violating the FDCPAs prohibition on harassment. The loan contract clearly states that you have the right to stop automatic payments by accessing your online account or contacting the company directly. I submitted a request twice to stop payment using the online portal.However, my request to stop automatic payments was not honored, and payments continued to be deducted, leading to further financial strain. \n\nFalse AdvertisingEarnest consistently advertised programs that were not offered, such as the Rate Reduction Program, Term and Rate Modification Program, and the Skip-A-Payment offers, among others. I was not provided with information about how these programs worked and what benefits I would be entitled to, which ultimately led to confusion and poor financial decisions. These misrepresentations constitute violations of the Truth in Lending Act ( TILA ) and the Federal Trade Commission Act ( FTC Act ), which prohibit deceptive advertising and failure to disclose accurate loan terms.\n\nInaccurate Credit Reporting and False Delinquency ReportsAs a result of the erroneous handling of my account, XXXX has failed to accurately report my payment history to the three major credit bureaus, which has caused unnecessary damage to my credit score. These actions are violations of the Fair Credit Reporting Act ( FCRA ), which mandates the accurate reporting of credit information and the correction of any discrepancies. \n\nIllegal Clauses and Violations of Consumer Protection LawsI believe my loan agreement contains several clauses that are potentially illegal and unfair. For example, the contract allows Navient to disclose my delinquency to investors without my consent, which I believe violates privacy protections under 15 U.S.C. 1692-1692p. Additionally, the contract includes clauses that is deceptive and unfairly places burden on the borrower, such as requiring me to pay for communication costs related to my loan. \n\nDid not provide a revised loan upon new terms. Reference communication below. \nXX/XX/XXXX : The loan contract that I sent to you previously is the only contract for your loan at this time. We do not re-issue the entire contract with updated progress on your loan. Instead, we send periodic statements to keep you apprised of your loan details. Your monthly statements are available on your loan dashboard. Those statements will show recent payments, remaining balance, interest rate, and more. If you are experiencing any issues with locating these documents from your loan dashboard, please let me know. \nXX/XX/XXXX : I requested where I could find a copy of my contract and he advised on the XXXX website there is a loan breakdown on the statements. I requested he resend a copy of my agreement and he said he has requested this. Did I receive the same original contract? \n\nInterest should not have accrued during forbearance/covid according to the contract below but the statements have shown opposite of this along with verbal communication. \nYou may give me a forbearance in three ( 3 ) month increments if I am temporarily unable to make my scheduled loan payments for reasons including, but not limited to : financial hardship, unemployment, or illness. Under certain circumstances, you may also give me forbearance without requiring me to submit a request or documentation. These circumstances include, but are not limited to, the following : periods necessary for you to determine my eligibility for a loan discharge, a period of up to sixty ( 60 ) days in order for you to collect and process documentation related to my request for a deferment, forbearance, change in repayment plan, or a local or national emergency ( interest is not capitalized during this period )","date_sent_to_company":"2025-05-28T16:58:52.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"53221","tags":null,"has_narrative":true,"complaint_id":"12875010","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2025-04-08T18:35:21.000Z","state":"WI","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["These circumstances include, but are not limited to, the following : <em>periods</em> necessary for you to determine my eligibility for a loan discharge, a period of up to sixty ( 60 ) days in order for you to collect and process documentation related to my request for a <em>deferment</em>, <em>forbearance</em>, change in repayment plan, or a local or national emergency ( interest is not capitalized during this period )"]},"sort":[16.76006,"12875010"]},{"_index":"complaint-public-v1","_id":"14872925","_score":12.342056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this complaint to bring to your attention numerous serious inaccuracies and unauthorized entries on my credit report that have severely damaged my creditworthiness and caused me significant hardship. \nDespite multiple attempts to resolve these issues directly with the credit reporting agencies and creditors, the errors remain unresolved. I hereby request your assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ), and that these inaccuracies be fully investigated, corrected, or deleted promptly. \nXXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX WRONG ADDRESS Issue : I have never lived at, rented, or been associated with this address. Its presence on my credit report is completely false.\n\nLaw : Under FCRA 1681e ( b ), credit bureaus must ensure maximum accuracy. Reporting false personal information violates this.\n\nStory : This wrong address suggests identity theft or file merging, and it has caused problems in background verifications. I was denied a rental lease because this address appeared suspicious to the landlord. I demand immediate deletion. \nXXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : This address does not belong to me. I never authorized or reported this residence to any institution.\n\nLaw : FCRA 1681i requires all inaccurate data to be reinvestigated and removed if unverified.\n\nStory : The appearance of this address has triggered fraud alerts and delays in my loan application. It caused confusion and forced me to provide extra documentation to prove where I really live. It must be permanently removed. \n\nXXXX XXXX XXXX XXXX LATE PAYMENT * * Issue : This account is reporting a late payment that occurred during a period where I was under severe medical and financial hardship. I contacted the creditor requesting assistance, but received no help. \nLaw : Under FCRA 1681s-2 ( b ), creditors must report data accurately and investigate disputes thoroughly. \nStory : My family was undergoing a medical emergency and I had no income for several weeks. Despite reaching out and explaining my situation, the creditor reported me late and never responded. This damaged my credit score when I needed help most. I ask that this be removed from my report based on good faith and lack of verification. \nXXXX XXXX XXXX * * LATE PAYMENT * * Issue : I made a minimum payment before the due date, but the creditor claimed it was late due to an online system error. I was not notified and wasnt given a chance to correct the issue.\n\nLaw : FCRA 623 ( a ) ( 1 ) ( A ) requires data furnishers to report with maximum accuracy.\n\nStory : I had scheduled the payment online, and it showed \" processed. '' I only learned of the late payment after seeing a credit drop. I contacted XXXX XXXX, and they refused to assist. This unfair reporting needs correction and deletion. \nXXXX XXXX XXXX * * LATE PAYMENT * * Issue : The payment was made, but due to bank-to-bank processing delays, it was posted XXXX day late. XXXX XXXX didnt honor the grace period. \nLaw : FCRA 1681i mandates reinvestigation of disputed data, especially if the payment was not significantly delinquent. \nStory : I called XXXX XXXX to explain, and they acknowledged the delay but refused to update the report. This late payment has followed me and hurt my ability to qualify for decent auto loan terms. I request deletion in light of this unjust error. \nXXXX XXXX XXXX XXXX LATE PAYMENT * * Issue : I was under a temporary hardship and had requested deferment. XXXX  never honored or documented it, and still reported me as late.\n\nLaw : FCRA 1681s-2 ( a ) ( 1 ) ( B ) prohibits reporting of inaccurate or outdated information. \nStory : I lost my job and filed all requested paperwork for a hardship plan. They said they would hold off on reporting but still marked me late. This betrayal worsened my financial spiral. Please delete this entry. \nXXXX XXXX XXXX * LATE PAYMENT * * Issue : I had an active autopay set up for this account. Due to a system error, payment did not go through and XXXX wasnt notified.\n\nLaw : Creditors are required under FCRA 623 to report accurate information and verify disputed data. \nStory : I trusted their autopay feature and never imagined it failed. By the time I learned of the issue, my score had dropped. This was not intentional and should not count as a negative mark. I respectfully request its removal. \nXXXX XXXX XXXX * * LATE PAYMENT * * Issue : I experienced health issues during this time and was unable to manage all bills. I communicated with XXXX XXXX but they didnt provide assistance. \nLaw : Under FCRA and Equal Credit Opportunity Act ( ECOA ), lenders should make reasonable efforts to accommodate hardship cases. \nStory : I was hospitalized for several weeks, and couldnt manage my accounts. Despite trying to work out a plan, they reported me late. That mark is still affecting me today, years later. I request it be removed. \nXXXX XXXX XXXX * * LATE PAYMENT * * Issue : I was not late the billing cycle was changed without proper notice, causing me to miss the payment date unknowingly.\n\nLaw : FCRA 1681s-2 ( a ) and Truth in Lending Act ( TILA ) require clear billing disclosures.\n\nStory : I always pay on time. The due date suddenly shifted and I had no idea. I made the payment as usual but was reported late. This was not my fault. Please correct or delete the entry. \nXXXX XXXX XXXX * * LATE PAYMENT * * Issue : This account was in deferment at the time the late payment was reported. It should not have been listed as delinquent. \nLaw : CARES Act + FCRA prohibit negative reporting during deferment or forbearance periods. \nStory : I followed all the rules, filled out forms, and confirmed deferment status. Despite this, I was marked late. This is not just inaccurate its illegal. Remove it immediately. \nXXXX XXXX XXXX * * LATE PAYMENT * * Issue : Same situation I was legally in deferment status. The late payment is completely unfounded. \nLaw : FCRA 1681i and federal student loan laws prohibit such negative reporting. \nStory : These are federal loans, and deferment should protect me from damage. I have suffered unfair credit consequences from something I followed legally. Delete this now. \nXXXX XXXX XXXX * * LATE PAYMENT * * Issue : I submitted payment using the app, but it glitched. I called immediately and was told it would be fixed it was not. \nLaw : FCRA 623 ( a ) ( 2 ) mandates correction of known errors. \nStory : Ive banked with XXXX for years. I trusted their system. When it failed, they refused to update the report. This betrayal cost me a refinance approval. Please remove this entry. \nXXXX XXXX XXXX * * CHARGE OFF * * Issue : I requested a hardship accommodation but was denied and charged off without warning. \nLaw : FCRA requires accurate, fair treatment and FDCPA requires notice before collections or charge-offs. \nStory : I wanted to pay and asked for help. They refused, and reported a charge-off instead of working with me. I never had a chance. Please delete this entry. \nXXXX XXXX  XXXX * * CHARGE OFF * * Issue : This charge-off was added without any billing statement, phone call, or written notice. \nLaw : FCRA + FDCPA require validation and notice before negative reporting. \nStory : I had no idea I even owed this debt. It showed up without warning. I was blindsided and denied a personal loan because of it. Please remove this unverified account. \nUNKNOWN ACCOUNT XXXX * * COLLECTION * * Issue : I do not recognize this account at all. I believe it is fraud or file mixing. \nLaw : FCRA 1681c-2 allows removal of fraudulent accounts.\n\nStory : This unknown debt has destroyed my credit profile. I have no clue where it came from. I fear Im a victim of identity fraud. This must be removed immediately. \nXXXX XXXX XXXX * * CHARGE OFF * * Issue : I was in dispute with this account, yet it was charged off anyway.\n\nLaw : FCRA 1681s-2 ( b ) prohibits negative reporting during open disputes.\n\nStory : While I was negotiating a payment arrangement, they listed it as charged off. Thats unfair and illegal. Please remove this from my record.\n\nSummary of Impact : These errors have resulted in denied credit applications, increased interest rates, lost employment opportunities, and emotional distress. I have tried contacting the furnishers and credit bureaus, but the information remains uncorrected. \nRequested Action : I respectfully request the CFPB to : Investigate these disputes promptly. \nEnsure the credit reporting agencies and furnishers comply with FCRA requirements. \nRequire deletion or correction of all inaccurate, unverifiable, and unauthorized information. \nProtect me from further harm caused by these errors. \nPlease find attached copies of my credit report excerpts highlighting the disputed items and previous correspondence. \nThank you for your assistance in rectifying these critical errors.","date_sent_to_company":"2025-07-26T00:32:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"14872925","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-26T00:30:01.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX * * LATE PAYMENT * * Issue : This <em>account</em> was in <em>deferment</em> at the time the late payment was reported. It should not have been listed as delinquent. \nLaw : CARES Act + FCRA prohibit negative reporting during <em>deferment</em> or <em>forbearance</em> <em>periods</em>. \nStory : I followed all the rules, filled out forms, and confirmed <em>deferment</em> status. Despite this, I was marked late. This is not just inaccurate its illegal. Remove it immediately."]},"sort":[12.342056,"14872925"]},{"_index":"complaint-public-v1","_id":"14710634","_score":12.263468,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint to formally raise serious concerns about multiple inaccuracies on my credit report, including wrong addresses, unauthorized hard inquiries, and erroneous account reporting that violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), HIPAA, and other federal consumer protection laws. \nI have attempted to resolve these issues directly with the credit bureaus and furnishers but have received no satisfactory response. These inaccuracies have severely affected my financial life, creditworthiness, and emotional well-being. \nBelow is a breakdown of each issue along with applicable laws and the impact on me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : I have never lived at or been associated with this address. Its presence is false and misleading. \nLaw : FCRA 1681e ( b ) Credit bureaus must ensure maximum possible accuracy.\n\nStory : This address appeared suddenly on my report during a fraud investigation period. I have never received mail, utility bills, or had residency at this location. Having this listed has caused me to be flagged in background checks and denied an apartment lease. \nXXXX XXXX XXXX, XXXX, LA XXXX Wrong Address Issue : This address is outside my state and not connected to any past residence. \nLaw : FCRA 611 Consumers have a right to dispute inaccurate items. \nStory : I have no personal, business, or family ties to this address. I believe this may be the result of identity confusion or mixed files. My auto insurance rate increased due to this incorrect residency record. \nXXXX XXXX XXXXXXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$220.00} Issue : Account charged off without validation or full investigation. \nLaw : FDCPA 809 ( b ) ; FCRA 623 Story : I disputed this balance because I never received final billing. Despite contacting XXXX XXXX multiple times, they failed to provide itemized charges. I was also dealing with financial hardship and temporary homelessness during this period, which worsened my ability to resolve the issue. \nXXXX XXXX XXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$340.00} Issue : Reported late during COVID-related hardship protections. \nLaw : CARES Act 4021 ; FCRA 623 Story : I was enrolled in a temporary forbearance program. XXXX XXXX still reported me late, which is not only unethical but also illegal under CARES guidelines. This impacted my auto loan approval. \nXXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$12000.00} Issue : This charge off was added without dispute resolution or explanation. \nLaw : FDCPA 807 Prohibits deceptive practices ; FCRA 611 Story : I contacted XXXX XXXX multiple times to dispute this balance. I was a victim of academic fraud where a third party signed me up for courses using my information. XXXX XXXX ignored this context and severely damaged my credit. \nXXXX XXXXXXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$720.00} Issue : Account incorrectly marked late without payment history clarification. \nLaw : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Furnishers must report accurately. \nStory : I made a deferred payment agreement with the lender. Despite agreement, they reported it as delinquent. This reduced my FICO score right before a job-related background check. \nDEPT OF EDUCATIONXXXX XXXX ( Multiple Dates and Balances ) Late Payments Issue : These are duplicate accounts, many during active deferment periods. \nLaw : HEA 485B ; FCRA 623 Story : The Department of Education placed me in an income-driven repayment plan and several forbearances. However, they reported me as delinquent, leading to denial of federal housing support. It has also emotionally devastated me, as I worked hard to rebuild my academic career. \nXXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$17000.00} Issue : Late payment was reported during a formal payment pause. \nLaw : FCRA 623 ; Equal Credit Opportunity Act ( ECOA ) Story : I had submitted documents showing hardship and XXXX confirmed processing. However, they still marked me late. I lost an opportunity to refinance due to this false record. \nXXXX XXXX XXXX XXXXXXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$4900.00} Issue : No debt validation was ever sent. \nLaw : FDCPA 809 ( b ) ; FCRA 611 Story : I was never contacted about this alleged debt until it showed up on my report. It appears to be related to an old apartment dispute that was resolved. Yet, they placed it in collections without any notice or legal process. \nXXXX XXXX XXXX XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$1300.00} Issue : No medical services were received by me for this amount. \nLaw : HIPAA Privacy Rule ; FDCPA 807 Story : I believe this may have been billed under my name mistakenly during an ER visit that wasn't mine. I never received an invoice or breakdown of services. This is both illegal and traumatizing. \nXXXX XXXX XXXX XXXXXXXX Collection Opened : XX/XX/XXXX Balance : {$1700.00} Issue : No notice, validation, or original creditor information was provided. \nLaw : FDCPA 809 ( a ) ; FCRA 611 Story : This account was flagged while I was applying for rental assistance. Ive never received any documentation or communication from this collector. It appears fraudulent. \nXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Opened : XX/XX/XXXX Balance : {$210.00} Issue : Account unknown to me ; possible identity theft. \nLaw : FCRA 605B Blocking of information resulting from ID theft.\n\nStory : I do not have any credit relationship with this credit union. This may have been opened with stolen personal data. I demand an immediate block of this tradeline. \nXXXX XXXX XXXX * * Charge Off Opened : XX/XX/XXXX Balance : {$1500.00} Issue : Charges were disputed, and service was canceled properly. \nLaw : FCRA 623 ( a ) ( 2 ) ; FDCPA 807 Story : I contacted XXXX several times disputing overbilling. They sent no final bill and never responded to my dispute. Reporting it as charged off is unfair, inaccurate, and illegal. \nHard Inquiries ( Unauthorized or Without Permissible Purpose ) XXXX XXXX XX/XX/XXXX Issue : Duplicate or improper inquiry without new credit action. \nLaw : FCRA 604 Story : This inquiry happened during a time I had no activity with XXXX XXXX. They must produce documentation or remove it. \nIMPACT & RELIEF REQUESTED These reporting errors have had a devastating effect on my life : Ive been denied for credit cards, auto loans, housing, and employment. \nIve suffered emotional distress from seeing my identity misrepresented. \nIve lost thousands in potential savings due to unfair interest rates and fees. \nI am requesting the CFPB to : 1. Open a formal investigation into the credit bureaus and data furnishers. \n2. Demand verification and removal of any unverifiable, inaccurate, or duplicate item.\n\n3. Enforce FCRA and FDCPA compliance.\n\n4. Provide me with the results of the investigation.","date_sent_to_company":"2025-07-17T19:59:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"14710634","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-17T19:57:01.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Story : I made a <em>deferred</em> payment agreement with the lender. Despite agreement, they reported it as delinquent. This reduced my FICO score right before a job-related background check. \nDEPT OF EDUCATIONXXXX XXXX ( <em>Multiple</em> Dates and Balances ) Late Payments Issue : These are duplicate <em>accounts</em>, many during active <em>deferment</em> <em>periods</em>. \nLaw : HEA 485B ; FCRA 623 Story : The Department of Education placed me in an income-driven repayment plan and several <em>forbearances</em>."]},"sort":[12.263468,"14710634"]},{"_index":"complaint-public-v1","_id":"14710336","_score":12.231483,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint to formally raise serious concerns about multiple inaccuracies on my credit report, including wrong addresses, unauthorized hard inquiries, and erroneous account reporting that violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), HIPAA, and other federal consumer protection laws. \nI have attempted to resolve these issues directly with the credit bureaus and furnishers but have received no satisfactory response. These inaccuracies have severely affected my financial life, creditworthiness, and emotional well-being. \nBelow is a breakdown of each issue along with applicable laws and the impact on me : XXXX XXXX XXXX, XXXX, LA XXXX Wrong Address Issue : This address is outside my state and not connected to any past residence. \nLaw : FCRA 611 Consumers have a right to dispute inaccurate items.\n\nStory : I have no personal, business, or family ties to this address. I believe this may be the result of identity confusion or mixed files. My auto insurance rate increased due to this incorrect residency record. \nXXXX XXXXXXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$220.00} Issue : Account charged off without validation or full investigation. \nLaw : FDCPA 809 ( b ) ; FCRA 623 Story : I disputed this balance because I never received final billing. Despite contacting XXXX XXXX multiple times, they failed to provide itemized charges. I was also dealing with financial hardship and temporary homelessness during this period, which worsened my ability to resolve the issue. \nXXXX XXXX XXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$340.00} Issue : Reported late during COVID-related hardship protections. \nLaw : CARES Act 4021 ; FCRA 623 Story : I was enrolled in a temporary forbearance program. XXXX XXXX still reported me late, which is not only unethical but also illegal under CARES guidelines. This impacted my auto loan approval. \nXXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$12000.00} Issue : This charge off was added without dispute resolution or explanation. \nLaw : FDCPA 807 Prohibits deceptive practices ; FCRA 611 Story : I contacted XXXX XXXX multiple times to dispute this balance. I was a victim of academic fraud where a third party signed me up for courses using my information. XXXX XXXX ignored this context and severely damaged my credit. \nXXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$720.00} Issue : Account incorrectly marked late without payment history clarification. \nLaw : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Furnishers must report accurately.\n\nStory : I made a deferred payment agreement with the lender. Despite agreement, they reported it as delinquent. This reduced my FICO score right before a job-related background check. \nXXXX XXXX XXXX XXXX ( Multiple Dates and Balances ) Late Payments Issue : These are duplicate accounts, many during active deferment periods. \nLaw : HEA 485B ; FCRA 623 Story : The Department of Education placed me in an income-driven repayment plan and several forbearances. However, they reported me as delinquent, leading to denial of federal housing support. It has also emotionally devastated me, as I worked hard to rebuild my academic career. \nXXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$17000.00} Issue : Late payment was reported during a formal payment pause. \nLaw : FCRA 623 ; Equal Credit Opportunity Act ( ECOA ) Story : I had submitted documents showing hardship and XXXX confirmed processing. However, they still marked me late. I lost an opportunity to refinance due to this false record. \nXXXX XXXX XXXX XXXX * Collection Opened : XX/XX/XXXX Balance : {$4900.00} Issue : No debt validation was ever sent. \nLaw : FDCPA 809 ( b ) ; FCRA 611 Story : I was never contacted about this alleged debt until it showed up on my report. It appears to be related to an old apartment dispute that was resolved. Yet, they placed it in collections without any notice or legal process. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} Issue : No XXXX XXXX were received by me for this amount. \nLaw : HIPAA Privacy Rule ; FDCPA 807 Story : I believe this may have been billed under my name mistakenly during an ER visit that wasn't mine. I never received an invoice or breakdown of services. This is both illegal and traumatizing. \nXXXX XXXX XXXX XXXXXXXX Collection Opened : XX/XX/XXXX Balance : {$1700.00} Issue : No notice, validation, or original creditor information was provided. \nLaw : FDCPA 809 ( a ) ; FCRA 611 Story : This account was flagged while I was applying for rental assistance. Ive never received any documentation or communication from this collector. It appears fraudulent. \nXXXX  XXXX XXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$210.00} Issue : Account unknown to me ; possible identity theft. \nLaw : FCRA 605B Blocking of information resulting from ID theft.\n\nStory : I do not have any credit relationship with this credit union. This may have been opened with stolen personal data. I demand an immediate block of this tradeline. \nXXXX XXXX XXXX XXXX XXXX  Charge Off Opened : XX/XX/XXXX Balance : {$1500.00} Issue : Charges were disputed, and service was canceled properly. \nLaw : FCRA 623 ( a ) ( 2 ) ; FDCPA 807 Story : I contacted XXXX several times disputing overbilling. They sent no final bill and never responded to my dispute. Reporting it as charged off is unfair, inaccurate, and illegal. \nHard Inquiries ( Unauthorized or Without Permissible Purpose XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize or apply for credit with this company. \nLaw : FCRA 604 ( a ) ( 3 ) Permissible purpose required for inquiry. \nStory  : This inquiry is hurting my credit profile. Its possible my data was shared without consent or pulled for marketing. \nXXXX CO XX/XX/XXXX XXXX : I never applied for a card or service. \nLaw : FCRA 604 Story : This seems to be a preapproval error or identity misuse. It must be removed immediately. \nIMPACT & RELIEF REQUESTED These reporting errors have had a devastating effect on my life : Ive been denied for credit cards, auto loans, housing, and employment. \nIve suffered emotional distress from seeing my identity misrepresented. \nIve lost thousands in potential savings due to unfair interest rates and fees. \nI am requesting the CFPB to : XXXX. Open a formal investigation into the credit bureaus and data furnishers. \nXXXX. Demand verification and removal of any unverifiable, inaccurate, or duplicate item. \nXXXX. Enforce FCRA and FDCPA compliance. \nXXXX. Provide me with the results of the investigation.","date_sent_to_company":"2025-07-17T20:01:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"14710336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-17T19:59:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Story : I made a <em>deferred</em> payment agreement with the lender. Despite agreement, they reported it as delinquent. This reduced my FICO score right before a job-related background check. \nXXXX XXXX XXXX XXXX ( <em>Multiple</em> Dates and Balances ) Late Payments Issue : These are duplicate <em>accounts</em>, many during active <em>deferment</em> <em>periods</em>. \nLaw : HEA 485B ; FCRA 623 Story : The Department of Education placed me in an income-driven repayment plan and several <em>forbearances</em>."]},"sort":[12.231483,"14710336"]},{"_index":"complaint-public-v1","_id":"14873408","_score":11.714152,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this complaint to bring to your attention numerous serious inaccuracies and unauthorized entries on my credit report that have severely damaged my creditworthiness and caused me significant hardship. \nDespite multiple attempts to resolve these issues directly with the credit reporting agencies and creditors, the errors remain unresolved. I hereby request your assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ), and that these inaccuracies be fully investigated, corrected, or deleted promptly. \nXXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : This address does not belong to me. I never authorized or reported this residence to any institution. \nLaw : FCRA 1681i requires all inaccurate data to be reinvestigated and removed if unverified. \nStory : The appearance of this address has triggered fraud alerts and delays in my loan application. It caused confusion and forced me to provide extra documentation to prove where I really live. It must be permanently removed. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : I have never resided or conducted any activity at this address. Its not part of my personal or financial history. \nLaw : Under FCRA 1681c-2, I have the right to block information resulting from identity theft or misattribution.\n\nStory : Because of this address, I was flagged during an employment background screening. This has deeply hurt my chances of advancing professionally. This error must be eliminated immediately. \nXXXX XXXXXXXX XXXX XXXX  LATE PAYMENT XXXX XXXX Issue : This account is reporting a late payment that occurred during a period where I was under severe medical and financial hardship. I contacted the creditor requesting assistance, but received no help. \nLaw : Under FCRA 1681s-2 ( b ), creditors must report data accurately and investigate disputes thoroughly. \nStory : My family was undergoing a medical emergency and I had no income for several weeks. Despite reaching out and explaining my situation, the creditor reported me late and never responded. This damaged my credit score when I needed help most. I ask that this be removed from my report based on good faith and lack of verification. \nXXXX XXXX XXXXXXXX XXXX XXXX  LATE PAYMENT XXXX XXXX Issue : I made a minimum payment before the due date, but the creditor claimed it was late due to an online system error. I was not notified and wasnt given a chance to correct the issue. \nLaw : FCRA 623 ( a ) ( 1 ) ( A ) requires data furnishers to report with maximum accuracy. \nStory : I had scheduled the payment online, and it showed \" processed. '' I only learned of the late payment after seeing a credit drop. I contacted XXXX XXXX, and they refused to assist. This unfair reporting needs correction and deletion. \nXXXX XXXX XXXXXXXX XXXX XXXX LATE PAYMENT XXXX XXXX  Issue : The payment was made, but due to bank-to-bank processing delays, it was posted one day late. XXXX XXXX didnt honor the grace period. \nLaw : FCRA 1681i mandates reinvestigation of disputed data, especially if the payment was not significantly delinquent. \nStory : I called XXXX XXXX to explain, and they acknowledged the delay but refused to update the report. This late payment has followed me and hurt my ability to qualify for decent auto loan terms. I request deletion in light of this unjust error. \nXXXX XXXXXXXX XXXX XXXX LATE PAYMENT XXXX XXXX  Issue : I was under a temporary hardship and had requested deferment. XXXX never honored or documented it, and still reported me as late. \nLaw : FCRA 1681s-2 ( a ) ( 1 ) ( B ) prohibits reporting of inaccurate or outdated information. \nStory : I lost my job and filed all requested paperwork for a hardship plan. They said they would hold off on reporting but still marked me late. This betrayal worsened my financial spiral. Please delete this entry. \nXXXX XXXX XXXX XXXX  LATE PAYMENT XXXX XXXX  Issue : I had an active autopay set up for this account. Due to a system error, payment did not go through and I wasnt notified. \nLaw : Creditors are required under FCRA 623 to report accurate information and verify disputed data. \nStory : I trusted their autopay feature and never imagined it failed. By the time I learned of the issue, my score had dropped. This was not intentional and should not count as a negative mark. I respectfully request its removal. \nXXXX XXXX XXXXXXXX XXXX XXXX  LATE PAYMENT XXXX XXXX Issue : I experienced health issues during this time and was unable to manage all bills. I communicated with XXXX XXXX but they didnt provide assistance. \nLaw : Under FCRA and Equal Credit Opportunity Act ( ECOA ), lenders should make reasonable efforts to accommodate hardship cases. \nStory : I was hospitalized for several weeks, and couldnt manage my accounts. Despite trying to work out a plan, they reported me late. That mark is still affecting me today, years later. I request it be removed. \nXXXX XXXX XXXXXXXX XXXX XXXX  LATE PAYMENT XXXX XXXX Issue : I was not late the billing cycle was changed without proper notice, causing me to miss the payment date unknowingly. \nLaw : FCRA 1681s-2 ( a ) and Truth in Lending Act ( TILA ) require clear billing disclosures. \nStory : I always pay on time. The due date suddenly shifted and I had no idea. I made the payment as usual but was reported late. This was not my fault. Please correct or delete the entry. \nXXXX XXXX XXXXXXXX XXXX XXXX LATE PAYMENT XXXX XXXX Issue : This account was in deferment at the time the late payment was reported. It should not have been listed as delinquent. \nLaw : CARES Act + FCRA prohibit negative reporting during deferment or forbearance periods. \nStory : I followed all the rules, filled out forms, and confirmed deferment status. Despite this, I was marked late. This is not just inaccurate its illegal. Remove it immediately. \nXXXX XXXX XXXXXXXX XXXX XXXX  LATE PAYMENT XXXX XXXX  Issue : Same situation I was legally in deferment status. The late payment is completely unfounded. \nLaw : FCRA 1681i and federal student loan laws prohibit such negative reporting. \nStory : These are federal loans, and deferment should protect me from damage. I have suffered unfair credit consequences from something I followed legally. Delete this now. \nXXXX XXXX XXXXXXXX XXXX XXXX LATE PAYMENT XXXX XXXX  Issue : I submitted payment using the app, but it glitched. I called immediately and was told it would be fixed it was not. \nLaw : FCRA 623 ( a ) ( 2 ) mandates correction of known errors. \nStory : Ive banked with XXXX for years. I trusted their system. When it failed, they refused to update the report. This betrayal cost me a refinance approval. Please remove this entry. \nXXXX XXXX XXXXXXXX XXXX XXXX CHARGE OFF XXXX XXXX  Issue : I requested a hardship accommodation but was denied and charged off without warning. \nLaw : FCRA requires accurate, fair treatment and FDCPA requires notice before collections or charge-offs. \nStory : I wanted to pay and asked for help. They refused, and reported a charge-off instead of working with me. I never had a chance. Please delete this entry. \nXXXX XXXX XXXX XXXX XXXX CHARGE OFF XXXX XXXX Issue : This charge-off was added without any billing statement, phone call, or written notice. \nLaw : FCRA + FDCPA require validation and notice before negative reporting. \nStory : I had no idea I even owed this debt. It showed up without warning. I was blindsided and denied a personal loan because of it. Please remove this unverified account. \nXXXX XXXX XXXXXXXX XXXX XXXX CHARGE OFF * XXXX XXXXssue : I was in dispute with this account, yet it was charged off anyway. \nLaw : FCRA 1681s-2 ( b ) prohibits negative reporting during open disputes. \nStory : While I was negotiating a payment arrangement, they listed it as charged off. Thats unfair and illegal. Please remove this from my record. \nXXXX XXXX XXXXXX/XX/XXXX INQUIRY Issue : I did not authorize this inquiry. \nLaw : FCRA 604 ( b ) ( 2 ) no inquiry without application.\n\nStory : This appeared without my knowledge and dropped my credit score. I request immediate removal. \nXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY Issue : No application or contact made unauthorized inquiry. \nLaw : FCRA violation for non-consensual pull. \nStory : I dont have any relationship with this bank. This was not my doing. Please remove this inquiry. \nXXXX XXXX XX/XX/XXXX INQUIRY Issue : Unauthorized inquiry no credit was sought from this lender. \nLaw : FCRA requires consumer-initiated applications. \nStory : I was denied for a card elsewhere, and I think my info was sold. I did not agree to this. Please delete it. \nSummary of Impact : These errors have resulted in denied credit applications, increased interest rates, lost employment opportunities, and emotional distress. I have tried contacting the furnishers and credit bureaus, but the information remains uncorrected. \nRequested Action : I respectfully request the CFPB to : Investigate these disputes promptly. \nEnsure the credit reporting agencies and furnishers comply with FCRA requirements. \nRequire deletion or correction of all inaccurate, unverifiable, and unauthorized information. \nProtect me from further harm caused by these errors. \nPlease find attached copies of my credit report excerpts highlighting the disputed items and previous correspondence. \nThank you for your assistance in rectifying these critical errors.","date_sent_to_company":"2025-07-26T00:34:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"14873408","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-26T00:32:28.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXXXXXX XXXX XXXX LATE PAYMENT XXXX XXXX Issue : This <em>account</em> was in <em>deferment</em> at the time the late payment was reported. It should not have been listed as delinquent. \nLaw : CARES Act + FCRA prohibit negative reporting during <em>deferment</em> or <em>forbearance</em> <em>periods</em>. \nStory : I followed all the rules, filled out forms, and confirmed <em>deferment</em> status. Despite this, I was marked late. This is not just inaccurate its illegal. Remove it immediately."]},"sort":[11.714152,"14873408"]},{"_index":"complaint-public-v1","_id":"14871673","_score":11.705504,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this complaint to bring to your attention numerous serious inaccuracies and unauthorized entries on my credit report that have severely damaged my creditworthiness and caused me significant hardship. \nDespite multiple attempts to resolve these issues directly with the credit reporting agencies and creditors, the errors remain unresolved. I hereby request your assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ), and that these inaccuracies be fully investigated, corrected, or deleted promptly. \nXXXXXX/XX/XXXXXXXX WRONG ADDRESS Issue : I have never lived at, rented, or been associated with this address. Its presence on my credit report is completely false. \nLaw : Under FCRA 1681e ( b ), credit bureaus must ensure maximum accuracy. Reporting false personal information violates this.\n\nStory : This wrong address suggests identity theft or file merging, and it has caused problems in background verifications. I was denied a rental lease because this address appeared suspicious to the landlord. I demand immediate deletion. \nXX/XX/XXXXXXXX WRONG ADDRESS Issue : This address does not belong to me. I never authorized or reported this residence to any institution. \nLaw : FCRA 1681i requires all inaccurate data to be reinvestigated and removed if unverified.\n\nStory : The appearance of this address has triggered fraud alerts and delays in my loan application. It caused confusion and forced me to provide extra documentation to prove where I really live. It must be permanently removed. \nXX/XX/XXXXLATE PAYMENTXX/XX/XXXXssue : This account is reporting a late payment that occurred during a period where I was under severe medical and financial hardship. I contacted the creditor requesting assistance, but received no help. \nLaw : Under FCRA 1681s-2 ( b ), creditors must report data accurately and investigate disputes thoroughly. \nStory : My family was undergoing a medical emergency and I had no income for several weeks. Despite reaching out and explaining my situation, the creditor reported me late and never responded. This damaged my credit score when I needed help most. I ask that this be removed from my report based on good faith and lack of verification. \nXXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XX/XX/XXXX Issue : I made a minimum payment before the due date, but the creditor claimed it was late due to an online system error. I was not notified and wasnt given a chance to correct the issue. \nLaw : FCRA 623 ( a ) ( 1 ) ( A ) requires data furnishers to report with maximum accuracy. \nStory : I had scheduled the payment online, and it showed \" processed. '' I only learned of the late payment after seeing a credit drop. I contacted XXXX XXXX, and they refused to assist. This unfair reporting needs correction and deletion. \nXXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XX/XX/XXXXIssue : The payment was made, but due to bank-to-bank processing delays, it was posted one day late. XXXX XXXX didnt honor the grace period. \nLaw : FCRA 1681i mandates reinvestigation of disputed data, especially if the payment was not significantly delinquent. \nStory : I called XXXX XXXX to explain, and they acknowledged the delay but refused to update the report. This late payment has followed me and hurt my ability to qualify for decent auto loan terms. I request deletion in light of this unjust error. \nXXXXXX/XX/XXXX LATE PAYMENTXX/XX/XXXX Issue : I was under a temporary hardship and had requested deferment. XXXX never honored or documented it, and still reported me as late. \nLaw : FCXX/XX/XXXXr a hardship plan. They said they would hold off on reporting but still marked me late. This betrayal worsened my financial spiral. Please delete this entry. \nXXXX XXXXXX/XX/XXXX LATE PAYMENT XX/XX/XXXXIssue : I had an active autopay set up for this account. Due to a system error, payment did not go through and I wasnt notified. \nLaw : Creditors are required under FCRA 623 to report accurate information and verify disputed data.\n\nStory : I trusted their autopay feature and never imagined it failed. By the time I learned of the issue, my score had dropped. This was not intentional and should not count as a negative mark. I respectfully request its removal. \nXXXX XXXX XXXXXX/XX/XXXXLATE PAYMENTXX/XX/XXXX Issue : I experienced health issues during this time and was unable to manage all bills. I communicated with XXXX XXXX but they didnt provide assistance. \nLaw : Under FCRA and Equal Credit Opportunity Act ( ECOA ), lenders should make reasonable efforts to accommodate hardship cases. \nStory : I was hospitalized for several weeks, and couldnt manage my accounts. Despite trying to work out a plan, they reported me late. That mark is still affecting me today, years later. I request it be removed. \nXXXX XXXX XXXXXX/XX/XXXX LATE PAYMENTXX/XX/XXXXIssue : I was not late the billing cycle was changed without proper notice, causing me to miss the payment date unknowingly. \nLaw : FCRA 1681s-2 ( a ) and Truth in Lending Act ( TILA ) require clear billing disclosures. \nStory : I always pay on time. The due date suddenly shifted and I had no idea. I made the payment as usual but was reported late. This was not my fault. Please correct or delete the entry. \nDPT EDXXXX XXXXXX/XX/XXXX LATE PAYMENT XX/XX/XXXX Issue : This account was in deferment at the time the late payment was reported. It should not have been listed as delinquent. \nLaw : CARES Act + FCRA prohibit negative reporting during deferment or forbearance periods. \nStory : I followed all the rules, filled out forms, and confirmed deferment status. Despite this, I was marked late. This is not just inaccurate its illegal. Remove it immediately. \nDPT EDXXXX XXXXXX/XX/XXXXLATE PAYMENTXX/XX/XXXXIssue : Same situation I was legally in deferment status. The late payment is completely unfounded. \nLaw : FCRA 1681i and federal student loan laws prohibit such negative reporting. \nStory : These are federal loans, and deferment should protect me from damage. I have suffered unfair credit consequences from something I followed legally. Delete this now. \nXXXX XXXXXX/XX/XXXXLATE PAYMENT XX/XX/XXXX Issue : I submitted payment using the app, but it glitched. I called immediately and was told it would be fixed it was not. \nLaw : FCRA 623 ( a ) ( 2 ) mandates correction of known errors. \nStory : Ive banked with XXXX for years. I trusted their system. When it failed, they refused to update the report. This betrayal cost me a refinance approval. Please remove this entry. \nXXXXXX/XX/XXXXCHARGE OFFXX/XX/XXXX Issue : I requested a hardship accommodation but was denied and charged off without warning. \nLaw : FCRA requires accurate, fair treatment and FDCPA requires notice before collections or charge-offs. \nStory : I wanted to pay and asked for help. They refused, and reported a charge-off instead of working with me. I never had a chance. Please delete this entry. \nXX/XX/XXXX CHARGE OFF XX/XX/XXXXIssue : This charge-off was added without any billing statement, phone call, or written notice. \nLaw : FCRA + FDCPA require validation and notice before negative reporting. \nStory : I had no idea I even owed this debt. It showed up without warning. I was blindsided and denied a personal loan because of it. Please remove this unverified account. \nXXXXXX/XX/XXXXCHARGE OFFXX/XX/XXXX Issue : I was in dispute with this account, yet it was charged off anyway. \nLaw : FCRA 1681s-2 ( b ) prohibits negative reporting during open disputes.\n\nStory : While I was negotiating a payment arrangement, they listed it as charged off. Thats unfair and illegal. Please remove this from my record. \nXXXX XXXX XX/XX/XXXX INQUIRY Issue : I never applied with this credit union. This is unauthorized. \nLaw : FCRA 604 ( a ) ( 2 ) requires consumer authorization for hard pulls. \nStory : I dont even know what XXXX XXXX is. Why are they pulling my report? I did not give permission. This must be deleted. \nXX/XX/XXXXXX/XX/XXXX INQUIRY Issue : Unauthorized access to my credit report. \nLaw : FCRA 604 requires explicit authorization.\n\nStory : This hard inquiry was never approved. I dont know this company. It must be removed. \nXXXX XX/XX/XXXX INQUIRY Issue : This inquiry was made without consent. \nLaw : Unlawful under FCRA 604 ( a ). \nStory : I did not apply for any XXXX credit. This is false and must be removed. \nXX/XX/XXXXXX/XX/XXXX INQUIRY Issue : Unauthorized and unknown inquiry. \nLaw : FCRA violation. \nStory : I dont useXX/XX/XXXXand never applied for anything with them. Remove this unauthorized inquiry now. \nSummary of Impact : These errors have resulted in denied credit applications, increased interest rates, lost employment opportunities, and emotional distress. I have tried contacting the furnishers and credit bureaus, but the information remains uncorrected. \nRequested Action : I respectfully request the CFPB to : Investigate these disputes promptly. \nEnsure the credit reporting agencies and furnishers comply with FCRA requirements. \nRequire deletion or correction of all inaccurate, unverifiable, and unauthorized information. \nProtect me from further harm caused by these errors. \nPlease find attached copies of my credit report excerpts highlighting the disputed items and previous correspondence. \nThank you for your assistance in rectifying these critical errors.","date_sent_to_company":"2025-07-26T00:30:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"14871673","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-26T00:26:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["DPT EDXXXX XXXXXX/XX/XXXX LATE PAYMENT XX/XX/XXXX Issue : This <em>account</em> was in <em>deferment</em> at the time the late payment was reported. It should not have been listed as delinquent. \nLaw : CARES Act + FCRA prohibit negative reporting during <em>deferment</em> or <em>forbearance</em> <em>periods</em>. \nStory : I followed all the rules, filled out forms, and confirmed <em>deferment</em> status. Despite this, I was marked late. This is not just inaccurate its illegal. Remove it immediately."]},"sort":[11.705504,"14871673"]},{"_index":"complaint-public-v1","_id":"2851354","_score":11.697343,"_source":{"product":"Student loan","complaint_what_happened":"UNFAIR PAYMENT PROCESSING : 1. Since XX/XX/XXXX, I attempted to pay my loans by mailing a check through an external bill payment system with my bank ( XXXX XXXX  ) : 2. On XX/XX/XXXX, my bank ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX.\n\n3. On XX/XX/XXXX, ( XXXX XXXX  ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX.\n\n4. On XX/XX/XXXX XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n5. OnXX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX\n\n6. On XX/XX/XXXX, XXXX XXXX   received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n7. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n8. OnXX/XX/XXXX, ( XXXX XXXX  ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX.\n\n9. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX PA XXXX.\n\n10. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n11. OnXX/XX/XXXX, ( XXXX XXXX  ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX.\n\n12. On XX/XX/XXXX, XXXX XXXX  received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n13. OnXX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX, XXXX, PA XXXX\n\n14. On XX/XX/XXXX, XXXX XXXX  received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n15. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX.\n\n16. OnXX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n17. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX.\n\n18. On XX/XX/XXXX, XXXX XXXX   received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n19. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX.\n\n20. On XX/XX/XXXX, ( XXXX XXXX  ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX PA XXXX.\n\n21. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n22. On XX/XX/XXXX, XXXX XXXX  received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n23. On XX/XX/XXXX, XXXX XXXX  received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n24. OnXX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n25. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX PA XXXX.\n\n26. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n27. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX.\n\n28. OnXX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n29. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX.\n\n30. On XX/XX/XXXX, XXXX XXXX  received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n31. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX.\n\n32. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n33. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n34. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX.\n\n35. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA XXXX.\n\n36. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n37. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA XXXX.\n\n38. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n39. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient, to their payment address at : Navient - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX.\n\n40. On XX/XX/XXXX XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account.\n\n41. On or aboutXX/XX/XXXX, I received a letter from Navient that my XXXX XXXX XXXX XXXX loans were past due, and that I was required to make a payment of {$380.00} by XX/XX/XXXX. A copy of that letter is attached as Exhibit A 42. I responded to this letter on XX/XX/XXXX and specifically inquired why my loan accounts were not in good standing. A copy of that letter is attached as Exhibit B 43. OnXX/XX/XXXX, Navient specifically informed me that : 44. I have reviewed your account and our records indicate you're not enrolled in our Auto Pay program. If you set up automatic payments with your bank 's bill payment service, please contact your bank to determine why payments have not been made. You-may need to verify that your bank has all of your student loan account information entered correctly. Please know that your account is currently 82 days past due in the amount of {$1100.00}. The next monthly payment of {$380.00} is due on XX/XX/XXXX. Therefore, the total amount due by XX/XX/XXXX, is {$1500.00}. A copy of that letter is attached as Exhibit C 45. On or about XX/XX/XXXX, I viewed the online records provided by my bank ( XXXX XXXX ) to determine whether my loan payment checks were being forwarded to Navient as instructed, and learned that every one of my weekly loan payments was being returned to the bank by the Navient.\n\n46. At no time during the months that I made my loan payments was I informed by Navient that my payments were objectionable in some manner, nor did they explain the reason for the return of the checks.\n\n47. OnXX/XX/XXXX, I wrote another letter to Navient inquiring why my loan payment checks were being denied, and explaining the financial burden those returns placed on me. A copy of that letter is attached as Exhibit D 48. Based on Navients purposeful refusal to honor any of my loan payments, my student loan account has been defaulted.\n\n49. One of Navients primary responsibilities as a student loan servicer is to process payments made on my student loan account.\n\n50. Navient did not have adequate processes and procedures in place to sufficiently address the errors it made in the processing of payments I made, even after I explained the problem and requested help.\n\n51. I did not submit payments through Navients online portal, but instead submitted my payments by mailing a check or through an external bill payment system operated by my bank ( XXXX XXXX   ) where I had a checking account.\n\n52. The payment of the overdue balance at this time would impose a double payment penalty on the me because of Navients actions in purposely refusing to accept my loan payments caused to unwittingly spend funds each week that I believed were in my account to be spent..\n\n53. Because Navient did not make its payment allocation methodologies clear I had no way of knowing in advance how Navient might reject my payments, or know I would end up in default even if I made regular payments.\n\n54. Navients refusal to accept my payments from my bank has resulted in me incurring improper late fees, increased interest charges, the furnishing of inaccurate negative information to consumer reporting agencies, and the loss of certain benefits.\n\n55. As shown by the evidence attached to this complaint and nearly five ( 5 ) years of being ignored, it is clear that the payment processing errors is not an isolated event, but rather that the same payment processing error occurred time and again, even after I contacted Navient to correct the errors.\n\nINTEREST STACKING THRU FORBEARANCE : 56. At the outset of selecting Navient Loan Servicing as my loan service provider, the defendants had a duty to fairly render their service.\n\n57. Instead of doing so, Navients engaged in a structured act of encouraging me to postpone making payments in lieu of coercing me into Forbearance, and failing to provide information concerning other available options.\n\n58. Navient failed to inform me of repayment plan assignment or selection at any time, when I was experiencing financial hardship or distress.\n\n59. Navient has routinely disregarded its own policies and both Federal and Pennsylvania law and instead coerced me into forbearance by submitting cookie-cutter emails which made the option of forbearance a mechanized option, without adequately exploring income-driven repayment plans with me, without even mentioning income-driven repayment plans at all.\n\n60. I was repeatedly sent emails encouraging me to use my mouse and ready-click a few buttons, and enter in deferment on my loans.\n\n61. Navient discussed my loans on several occasions and only discussed forbearance during those phone and calls and from my recollection did not discuss any other payment option besides forbearance.\n\n62. Every instance that I was entered in forbearance was completed over the phone by Navient agents who stressed how quick and easy the process was compared to other options.\n\n63. On a number of occasions, a Navient representative, when informed of my inability to make a payment, directed me into a voluntary forbearance without advice about available income-driven repayment plans. In no instance was I informed that I may have qualified instead for a {$0.00} payment in an income-driven repayment plan at that time.\n\n64. Indeed, only after research forced by Navients refusal to accept my loan payments, did I realize that I may have met the eligibility criteria for income-driven repayment plans, and qualified for a $ 0 monthly payment.\n\n65. My loan balance was also subject to the negative consequences of forbearance, including the addition of interest to the principal balance of the loan, which raised my total loan balance from ( {$43000.00} to {$59000.00} = {$16000.00} [ additional principal ] ), which I could have avoided had I been enrolled in the income-driven repayment plan from the start. A copy of the Loan Documents are attached as Exhibit E 66. Navient also enrolled me in multiple consecutive forbearances, even though I had demonstrated a long-term inability to repay my loans during two periods of unemployment and specifically requested information and assistance.\n\n67. I was enrolled in two or more consecutive forbearances totaling twelve months or longer, and on every occasion it was done via emails or over the phone in minutes.\n\n68. Enrollment in multiple consecutive forbearances imposed a staggering financial cost on me by adding over {$16000.00} dollars of unpaid interest to the principal balance of my loans. If I would have been enrolled in an income-driven repayment plan, I would have avoided these additional charges because the government would have paid the unpaid interest on my subsidized loans in full during the first three years of my consecutive enrollments.\n\n69. If I would have realized that every one of my many loans would take a principle increase when I entered into forbearance, I would have simply paid the loan balance on that particular loan, which could have managed. Below is a copy of the letter sent by Navient after they rejected a number of my payments : Dear XXXX  : This is a very important matter regarding your federal student loan account with the U.S. Department of Education.\n\nYou're eligible to resolve your past due payments through forbearance and you may qualify for a new repayment plan.\n\nIncome Driven Repayment ( IDR ) plans may reduce your monthly payment and give you more time to pay. Over 50 % of approved IDR plans result in a {$0.00} monthly payment.\n\nForbearance is a short term solution that will allow you to avoid default and resolve your past due status without having to pay your past due balance immediately.\n\nWe have a few options for you to consider : Option 1 : For a long term solution, simply call us toll free at XXXX to discuss all available federal repayment options. You may be eligible for an IDR plan or another plan that may reduce your monthly payment.\n\nOption 2 : Request a Forbearance to bring your account current and postpone your payments for two ( 2 ) months. There is no fee for this forbearance. Read the terms below and, if you want to accept this offer, simply reply \" Yes '' to this message. This is a short term repayment solution.\n\nForbearance terms : By replying \" yes '' to this email you agree to the following : You request forbearance because you're temporarily unable to make payments due to hardship.\n\nThe forbearance will bring your loan ( s ) current and cover your next two ( 2 ) monthly payments.\n\nYou promise to repay your loan ( s ) following forbearance according to the terms of your promissory note ( s ).\n\nUnpaid interest will be added to the principal balance of your loan ( s ) at the end of the forbearance, which will increase your total loan cost.\n\nThis forbearance does not remove any information previously reported to the consumer reporting agencies.\n\nIf you have other federal loans serviced by Navient, forbearance will be applied to all eligible federal loans to bring them current and cover your next two monthly payments. You'll receive a separate notification of the forbearance for each eligible loan.\n\nA notice will be sent to you to confirm your selection and provide you with more detailed information. You will also be sent information regarding additional options such as IDR that provide a long term solution.\n\n70. A copy of this letter is attached as Exhibit F 71. I generally received no response from the letters seeking assistance and information during the course of my loan servicing with Navient.\n\n72. Navients engaged in a structured act of encouraging me to postpone making payments in lieu of Forbearance, and failing to provide information concerning other available options.\n\n73. Long-term enrollment in forbearance dramatically increased the total amount due each month after the forbearance period ended over the repayment term for my federal loans.\n\n74. On a number of occasions, I chose to simply reply Yes to this message., because without information or instruction, I used the most readily suggested ; time-efficient ; and financially feasible method presented.\n\n75. The bank documents from my XXXX XXXX   account show that I submitted the payments and that Navient rejected them because the account was closed or the number was invalid ; however, my account number with Navient is the same as it has been.\n\n76. Moreover, all of the account numbers listed on my payments to Navient correspond with my Navient account number, and therefore there was no basis for them to reject the payments and cause me to spend those funds unknowingly. A copy of the XXXX XXXX payment to Navient is attached as Exhibit G 77. Even after I discovered the matter and asked for help with the matter, Navient rejected several payments and sent emails suggesting that I consider forbearance as an option instead of suggesting some form of assistance with the problem they created.","date_sent_to_company":"2018-03-22T18:53:17.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"17403","tags":"Servicemember","has_narrative":true,"complaint_id":"2851354","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2018-03-22T16:13:35.000Z","state":"PA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["Navient also enrolled me in <em>multiple</em> consecutive <em>forbearances</em>, even though I had demonstrated a long-term inability to repay my loans during two <em>periods</em> of unemployment and specifically requested information and assistance.\n\n67. I was enrolled in two or more consecutive <em>forbearances</em> totaling twelve months or longer, and on every occasion it was done via emails or over the phone in minutes.\n\n68."]},"sort":[11.697343,"2851354"]},{"_index":"complaint-public-v1","_id":"7643889","_score":11.202993,"_source":{"product":"Student loan","complaint_what_happened":"Legislation should prohibit Discover Student Loans and their representatives, XXXX XXXX XXXX, from violating the rights and livelihood of individuals who turn to them for financial assistance with genuine intentions. \n\nOver the past decade, my family has faced financial challenges trying to meet the sizable monthly payments on two student loans. My daughter and son are the borrowers, and my husband and I are the cosigners. We're committed to fulfilling our financial obligations, but Discover has made this unattainable. We have lodged two complaints with the Consumer Financial Protection Bureau, reached out to relevant District Attorney 's offices, and directly contacted Discover 's leadership. Throughout this period, we've personally encountered tactics from Discover Student Loans that we view as infringing on our rights and indicative of predatory lending practices. Around two years ago, we had no choice but to default on these unmanageable loans. This decision was not made lightly, as we knew it would further damage our already compromised credit scores and hinder our ability to accumulate assets. Despite our plight, Discover showed no willingness to negotiate or take steps to ameliorate the situation. \n\nIn XX/XX/XXXX, Discover filed civil suits against us, initiating another phase in our contentious financial struggle. We enlisted the help of a student loan attorney because XXXX XXXX XXXX, acting on behalf of Discover, refused to negotiate with us and demanded the full balance either upfront or in five-year installments. Our attorney managed to secure a reduced repayment rate of {$2400.00} per month for the next five years for both loans. Discover stipulated that missing even one payment would nullify the settlement agreement. Additionally, since Discover will consider the loans unsettled until the last cent is paid, both the students ' and cosigners ' credit scores will be negatively impacted until the final payment is made in five years, effectively holding our credit hostage over that duration of time. This severely limits our ability to make any credit-based transactions like buying a car or home, or even renting, while Discover continues to collect {$2400.00} monthly from us for the next five years. \n\nTo complicate matters, the timeline for finalizing this settlement was unnecessarily tight. When the proposal was finally on the table on XX/XX/XXXX, we were informed that the first payment had to be wired before the month 's end ; otherwise, the deal would be off. Despite this tight deadline, there were multiple inaccuracies in the details they provided, such as wrong account numbers and addresses, misrepresentation to the District Court, inaccurate paperwork, etc., which we had to scramble to correct. Inaccuracies on DiscoverXXXX  part included : After making the initial mandated payment before the tight deadline, we discovered Discover/XXXX had omitted an entire account from the agreement. This missing information was sent later via regular mail, contrary to the expedited faxing they used for the rest of the account details. The omitted account was subsequently included in the settlement, which raised the agreed-upon amount by nearly {$4000.00} and increased our monthly payments by {$64.00}. Despite this oversight on their part, there were no apologies or accommodations made, although they held us strictly accountable to the original agreement payment deadline. \nWe continuously received notifications from the XXXX XXXX XXXX XXXX in North Carolina regarding our selection for random arbitration. We reached out to XXXX XXXX XXXX, XXXX XXXX, notifying her of our ongoing settlement agreements, which essentially serve the purpose of arbitration. This correspondence also included our attorney and XXXX attorneys. However, XXXX XXXX stated she needed verification from the plaintiff 's attorneys. Despite having communicated our settlement agreement, we were still provided with an arbitration date. Consequently, our attorney requested XXXX to update the courts. Yet, we were surprised when we received another notification of impending arbitration for a second case. I promptly communicated with XXXX XXXX, referencing all XXXX case files that had been settled. She acknowledged being aware of the settlement for the first case during the arbitration hearing that occurred on XXXX XXXX. It's perplexing that the court proceeded with arbitration for an already settled case. It's worth noting that we hadn't even provided the necessary documents, which were due two weeks prior to the arbitration date. Surprisingly, no one followed up on these missing documents. It raises questions about whether this arbitration was merely a procedural formality to ensure certain individuals received compensation. It seems like a misuse of taxpayers ' funds and a dubious system where individuals might be compensated without rendering actual services. Will this same situation arise for the other three Discover cases that we've already settled? \nOn XX/XX/XXXX, our lawyer updated me about a conversation he had with XXXX the day before. They apparently did not receive our daughters payment made in XXXX. It's noteworthy that this is the same account for which they had given the wrong account number and still proceeded with an arbitration hearing. When we got the written agreement through mail for notarization back in XXXX, our attorney had immediately informed XXXX about the error in our daughters account number. At that time, they assured him they would ensure the funds were directed to the right account. However, they now claim not to have received the payment. It's important to note that both childrens payments for XXXX were sent together, via BoA wire, as a single transaction to expedite the process and avoid any penalties. The total amount included the due amounts for both accounts, clearly specifying both account numbers. From XXXX onward, we've made individual payments for each account. On XX/XX/XXXX, our lawyer found himself reiterating the same information to XXXX that he had shared back in XXXX. \nDuring the conversation our lawyer had with XXXX on XX/XX/XXXX, XXXX mentioned that while they had received the notarized settlement copies for the children, they hadn't received them for the cosigners. However, the documents provided to us were specifically set up for notarization for our children only, not for the cosigners ( an example of this is available for reference ). A XXXX XXXX will only notarize a document for the individuals explicitly named on that document. XXXX suggested we use the same documents they initially sent. I advised our attorney to ask XXXX to provide us with the appropriate documents so that both my husband and I can duly get them notarized. \n\nThese errors occurred as DiscoverXXXX maintained their demand for a turnaround of less than one week for the first payment. The entire process has been marked by errors and omissions, but also penalties, consistent with our past decade-long experience with Discover. Nonetheless, they continue to wield disproportionate power over our lives, unapologetically impairing our financial well-being and hindering our progress. Holding our credit profile XXXX for 5 years while they received {$2400.00} per month should be illegal. \n\nI know that Discover Bank has received attention from the CFPB ( Consumer Financial Protection Bureau ). I know that politicians such as XXXX XXXX, XXXX XXXX, and XXXX XXXX are also spearheading legislation to stop predatory student loan lenders. XXXX XXXX created a bill called The CFPB Student Loan Integrity & Transparency Act of XXXX, which \" would strengthen the oversight abilities of the Consumer Financial Protection Bureau 's ( CFPB ) student loan ombudsman, the top federal official responsible for defending the interests of student borrowers struggling to repay their loans. '' \" This officials oversight capabilities were undermined when CFPB Acting XXXX XXXX XXXX closed the only federal office solely dedicated to protecting student loan borrowers : the Office of Students and Younger Consumers. '' I know the CFPB also filed a lawsuit against a company with the names \" College Financial Advisory '' and \" Student Financial Resource Center '' for \" conducting a nationwide operation that deceived students and their families into paying a fee in exchange for an illusory student financial aid program. '' Data shows that Student debt negatively impacts the economy and continues to Reinforce the XXXX wealth gap. '' Regardless of the incomes they make after graduation, XXXX households carry more student debt, which pushes down their creditworthiness. Unsurprisingly, then, XXXX people with a college degree have lower homeownership rates than white high school dropouts. '' \" There is also a XXXX disparity in student borrowing that many experts say is problematic and the result of decades of systemic discrimination. '' ( XXXX on XXXX XXXX ). Then there are politicians such as XXXX XXXX who plan to put college legislation in place that will prohibit spending on diversity, equity, and inclusion ( DEI ) initiatives to make the atmosphere unpalatable to minorities and serve as another deterrent to the progression of marginalized people. \n\nWhile most of the impact of predatory lending lands on POCs ( People of XXXX ), all students who enter this system are preyed upon. Our family has over 10 years worth of experience with Discovers cruelty and unethical behavior. \n\nWhile regulatory scrutiny and fines from the CFPB have cast a spotlight on some of Discover Bank 's questionable practices ( as well as those of other lenders deemed predatory ), pinpointing the exact elements of their lending process that are illegal can be difficult. This is because their approach is often indirect and subtle, deliberately designed to maximize loan amounts at the expense of borrowers ' rights. While many individual aspects of their operations might not be explicitly illegal, their collective behavior can facilitate outcomes that are. \n\nDiscover 's tactics often seem calibrated to set students and their cosigners up for failure from the outset. For instance, their use of forbearance and hardship programs often lacks full disclosure regarding how these options will affect monthly payments and overall loan amounts, luring borrowers into a false sense of relief. Instead of offering extended loan term programs that would lower monthly payments while increasing the loan term, they opt for forbearancewhich more quickly inflates the overall loan amount. They have also been implicated in a class-action lawsuit related to DACA, alleging discrimination in mortgage and student loans. \n\nIn our personal experience, Discover had to correct inaccurately high interest rates and statement amounts for both of our children, adjustments that were made only after being flagged by the CFPB. Yet, these are not isolated incidents ; they represent broader systemic issues affecting a wide swath of borrowers, particularly those who are marginalized. The compounded effect is the widespread destruction of creditworthiness and a vicious cycle of financial disempowerment. \n\nWhile the CFPB has begun to address these problems, much remains to be done, especially considering the prevalence of predatory practices beyond just Discover. This is just the tip of the iceberg, but it's encouraging to know that regulatory agencies are watching closely. \n\nWhen a borrower opts for student loan forbearance, the aim is to temporarily suspend monthly payments. The terms may vary based on the lender and the loan type, and it's often the case that interest continues to accumulate during this period. The purpose of forbearance is to offer a short-term financial respite for borrowers going through economic difficulties. \n\nWhen our children sought more manageable monthly payments, Discover was quick to suggest forbearance, fully aware that this would result in higher monthly payments down the line, effectively trapping our children in a financial downward spiral while increasing Discover 's own profits. During my son 's final year of college, when he still had XXXX credit hours remaining, Discover insisted that he begin repaying his student loan. Despite his efforts to maintain interest-free deferment until he completed his education, Discover pushed for forbearance. We all fought strenuously to reverse this decision. \n\nDiscover didn't just encourage our children to opt for forbearance and their Hardship Assistance Program when they had a late monthly payment ; they did so when our children merely expressed difficulty with the existing payments. Because Discover fixed the loan term at 10 years, the deferred payments and interest accrued during the forbearance and hardship periods were later added to the principal. This inflated the monthly payments since the loan term remained unchanged. For both of my children, these strategies, combined with high interest rates, would have substantially inflated the loan amount compared to what was originally disbursed. \n\nOur Experience with Discover Student Loans : Discover, aware of the typical salary a graduate can expect in relation to the loan amount, commits students to a 10-year loan term and requires a cosigner. \nBoth the student and the cosigner undergo credit assessments for the loan, and we are informed that the interest rate range will be between 6.00 % and 9.00 %. Despite the cosigner having a high credit score in the upper 700s, the student is assigned an interest rate of 8.99 %. When questioned about the high rate and why the cosigner 's strong credit score wasn't considered, we are told that the student is the main borrower, not the cosigner. According to XXXX XXXX XXXX XXXX, adding a cosigner with a strong credit score can substantially lower the interest ratepotentially by XXXX  percentage points or more. For example, a borrower with a credit score of XXXX could expect an interest rate between XXXX %, but adding a cosigner with a score of XXXX could reduce that rate to between XXXX %, resulting in significant savings. However, in our case, the student was given the maximum interest rate available at the time. ( This should be considered unethical, especially given the contradictory information provided later when the loan was due about the cosigner 's role as a \" co-borrower. \" ). \nRight after the student graduates, Discover reaches out to the cosigner for repayment, even before any payments are overdue. This approach raises questions about whether Discover had already anticipated that the student would fail to make payments. When queried about contacting the cosigner first, Discover labels us as \" co-borrowers. '' Ironically, we weren't considered co-borrowers during the loan assessment, which would have potentially lowered the interest rate, but we suddenly became co-borrowers when it was repayment timedespite our strong credit scores having no impact on the initial rate. \nThe student receives a staggering monthly bill of {$1200.00}, which is hard to manage on a $ XXXX salary. Discover suggests forbearance or hardship programs as a temporary fix. The representative glosses over important financial implications of forbearance, leading the student to opt for it without fully understanding its long-term impact. Six months later, the student is shocked to find out that monthly payments have increased, yet is advised to enter another round of forbearance or the Hardship Assistance Program, thereby exacerbating the situation. \nThe downward financial spiral starts almost immediately, as each forbearance period renders the loan increasingly unmanageable for both the student and cosigner. Their credit scores also suffer due to late or missed payments. \nAttempts to secure a XXXX consolidation loan through Discover failed because of low credit scoreswhich have been damaged by the student loansas well as the high total amount owed in relation to income, further worsened by repeated forbearance periods. \nEfforts to consolidate the student loans with other lenders also hit a wall due to poor credit and high loan-to-income ratios, which have been worsened by the initial loans and the forbearance cycles. \nBoth the students ' and cosigners ' prospects for stable employment and financial growth are compromised, as they struggle to balance loan repayment, daily living expenses, and retirement planning, all of which have been negatively impacted by Discover 's questionable practices. \nAs loan payments fall further behind, both students and cosigners experience harassment, misinformation, credit reporting errors, and other forms of mistreatment, violating their right to fair and dignified treatment. \n\nDiscover seems to understand the majority of students turning to them for loans are marginalized or underprivileged. Even when the loan was not in default, we were subjected to relentless harassment. Discover even unethically suggested that my children deliberately miss payments to exhibit financial hardship, employing strong-arm tactics such as bullying, credit damage, and falsehoods to extract money that arguably shouldn't have been due in the first place. \n\nThough attributing high interest rates and dismissing cosigner credit scores might be within legal bounds, it doesn't make it ethically sound. This, coupled with the dubious forbearance and hardship program policies, sketches out a blueprint of predatory lending that's genuinely unprecedented. Discover might try to pass the buck to its Collections department for any 'illegal ' activities, but it is its foundational policies that set up the damaging cycle leading to such harassment in the first place. \n\nOur daughter received two compensation letters from Discover, one on XX/XX/XXXX, and another on XX/XX/XXXX, seemingly propelled by CFPB 's scrutiny. However, this only occurred after she had defaulted, and the 'compensation ' was added back to her outstanding loan. My son also received a {$59.00} check from the CFPB on XX/XX/XXXX, for a related matter, along with four other letters from Discover acknowledging incorrect interest rate charges. \n\nWithin our household, both of our XXXX children, despite being XXXX years apart in age, have fallen prey to these tactics. This experience illuminates the systemic targeting of vulnerable populations like ours and others struggling financially. \n\nDiscover leverages this business model to infringe on the rights of borrowers, systematically inhibiting upward mobility for entire generations, including Millennials and XXXX XXXX, particularly those of XXXX. They gamble that few will have the courage or resources to oppose a financially robust institution backed by influential politicians. When similar outcomes manifest across millions of students, it's not the individual at faultit 's the predatory system they're ensnared in. \n\nRequest from Discover Student Loans : Release the hold on our credits, and dismiss all litigations now that we have an agreed-upon and executed settlement. \n\nIncluded in the attachments : 1. Signed authorization letters 2. Civil Summons from Discover for all four file numbers 3. Settlement information 4. Arbitration documents 5. Requests for notarization documents sent by Discover/XXXX 6 . Notice from Discover of interest rate errors and applicable refunds ( does not account for high interest rates assigned upon inception of loans with high credit rating cosigners )","date_sent_to_company":"2023-10-04T22:13:00.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"28104","tags":null,"has_narrative":true,"complaint_id":"7643889","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-10-04T20:58:52.000Z","state":"NC","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["The downward financial spiral starts almost immediately, as each <em>forbearance</em> period renders the loan increasingly unmanageable for both the student and cosigner. Their credit scores also suffer due to late or missed payments. \nAttempts to secure a XXXX consolidation loan through Discover <em>failed</em> because of low credit scoreswhich have been damaged by the student loansas well as the high total amount owed in relation to income, further worsened by repeated <em>forbearance</em> <em>periods</em>."]},"sort":[11.202993,"7643889"]},{"_index":"complaint-public-v1","_id":"18032947","_score":10.223182,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX VIA CERTIFIED MAIL and CFPB PORTAL TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal FCRA dispute and demand for correction of inaccurate and fraudulent credit reporting To Whom It May Concern : This correspondence is a formal dispute of inaccurate and fraudulent information appearing in my consumer report and a demand for correction, deletion, and full compliance with federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., its implementing Regulation V, the Federal Trade Commission ( FTC ) regulations and guidance, and the Consumer Financial Protection Bureau ( CFPB ) guidance governing the investigation of credit reporting disputes and identity theft. \n\nBackground And Nature Of Dispute My consumer report currently reflects one or more accounts, tradelines, or derogatory items that do not belong to me and/or are the result of identity theft, as detailed in the attached list and documentation. I did not open, authorize, or benefit from these accounts or transactions, and I have already filed an identity theft report with the appropriate authorities and with the FTC, and I am providing copies of my FTC Identity Theft Report, police report ( if applicable ), and proof of identity. \n\nThese inaccurate entries are causing substantial harm, including damage to my credit reputation, denial or less favorable terms of credit, and other financial and personal injuries. You are now on notice that this information is disputed and that I assert my rights as an identity theft victim and as a consumer under federal law. \n\nFCRA Duties To Assure Accuracy And Conduct A Reasonable Investigation Under the FCRA, consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report about consumers, and must conduct a reasonable reinvestigation of disputed information when notified by a consumer. This includes the duty to review all relevant information provided by the consumer, to communicate the dispute to the furnisher of the information, and to delete or correct information that can not be verified as accurate. \n\nCFPB supervisory guidance and circulars reiterate that both consumer reporting agencies and furnishers can face liability under the FCRA when they fail to conduct reasonable investigations of consumer disputes or create barriers to the submission of disputes. Federal regulators have emphasized that you must not ignore, summarily reject, or parrot verify disputed information without a genuine, reasonable investigation that considers the evidence submitted by the consumer. \n\nIdentity Theft and FCRA 605B Blocking Rights Because the disputed information results from identity theft, I am invoking my rights under FCRA 605B ( 15 U.S.C. 1681c2 ), which provides that a consumer reporting agency must block the reporting of information that the consumer identifies as resulting from identity theft when the consumer submits : ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, and ( 3 ) an identification of the fraudulent information. Section 605B requires the credit reporting agency to block this information within a short timeframe after receiving the required documentation and to notify the furnisher that the information has been blocked due to identity theft. \n\nYour failure to promptly block and remove these identitytheftrelated items after receiving proper documentation would constitute a violation of FCRA 605B and related FTC and CFPB guidance for identity theft victims. Courts have recognized that identity theft victims have a private right of action against furnishers and reporting agencies that fail to conduct a reasonable investigation and continue reporting fraudulent accounts, and regulators have supported consumers in such actions. \n\nCase Law Regarding Failure To Investigate And Identity Theft Federal courts have repeatedly held that when a consumer disputes items on a credit report, the FCRA requires furnishers and agencies to conduct a reasonable investigation, and failure to do so can give rise to liability for actual, statutory, and punitive damages. In recent appellate decisions involving allegations of identity theft, courts have focused on whether the furnisher and agencies reasonably investigated the consumers identity theft claim and whether they deleted or corrected information that could not be verified as belonging to the consumer. These decisions make clear that ignoring consumerprovided identity theft affidavits and supporting evidence, or simply confirming the debt with the original furnisher without deeper inquiry, is insufficient. \n\nBy persisting in reporting fraudulent information after clear notice of identity theft and a dispute, and by failing to conduct a reasonable reinvestigation, a credit reporting agency and any involved furnisher violate their statutory duties under 15 U.S.C. 1681i and 1681s2 and can be held liable in a private civil action. \n\nFraudulent, Unverified Accounts or Inaccurate XXXX  XXXX Credit card ( chargeoff ) ( Unverified/Fraudulent ) Creditor : XXXX  XXXX | Account no. : XXXXXXXX XXXX XXXX XXXX  * | Type : Revolving credit card | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Chargeoff ; Date updated XX/XX/XXXX ; Date closed XX/XX/XXXX | Credit limit ( hist. ) : {$300.00} high credit limit from XXXX | Amount in default : XXXX {$1500.00} ; past due {$1500.00} ( charged off ) | Notes : Long history of XXXX lates from XXXX ; pay status continues to report as chargeoff ; estimated removal XX/XX/XXXX. \n\nXXXX XXXX  XXXX Credit card ( chargeoff ) ( Unverified/Fraudulent ) Creditor : XXXX XXXX  XXXX XXXX Account no. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( masked in report ) | Type : Revolving credit card | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Chargeoff ; multiple months coded C/O through at least XX/XX/XXXX | Credit limit : {$550.00} ( per prior bureau data ; TransUnion lists as revolving line ) | Amount in default : Balance {$860.00} ; past due {$860.00} ( charged off ; profit and loss writeoff XXXX  remark in several months ) | Notes : Remarks lines include variations of XXXX  and > indicating profitandloss chargeoff and potentially adverse special handling codes. \n\nXXXX XXXX XXXX  Credit card ( chargeoff ) ( Unverified/Fraudulent ) Creditor : XXXX XXXX XXXX  | Account no. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( masked ) | Type : Revolving credit card | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Chargeoff ; pay history shows sequence of XXXX then C/O in XXXX | Credit limit : {$400.00} ( revolving line ) | Amount in default : Balance about {$620.00} ; past due {$620.00} ( charged off ; profit and loss codes similar to XXXX/> ) | Notes : Appears as profitandloss chargeoff, with multiple months of C/O notation that must age off within FCRA reporting periods. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Inaccurate/ Never Late ) Creditor : XXXX XXXX XXXX / XXXX XXXX Account no. : XXXXXXXX XXXX XXXX XXXX XXXX  | Type : Installment student loan | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Current account ; Date updated XX/XX/XXXX ; terms {$0.00} per month, deferred | Original amount ( hist. high balance ) : {$2700.00} high balance ( used as original loan amount for FCRA purposes ) | Amount in default : {$0.00} currently past due ; prior XXXX delinquency XX/XX/XXXX with pastdue {$61.00} | Notes : 90day late in XX/XX/XXXX, then put into deferment with remarks XXXX in XXXX ; still within XXXX adverse reporting window. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Inaccurate/ Never Late ) Creditor : XXXX XXXX XXXXXXXX / XXXX XXXX Account no. : XXXXXXXX XXXX XXXX XXXX XXXX | Type : Installment student loan | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Current account ; Date updated XX/XX/XXXX ; deferred | Original amount ( hist. ) : {$1500.00} high balance | Amount in default : {$0.00} currently past due ; prior XXXX delinquency XX/XX/XXXX with pastdue {$61.00} | XXXX : Shows XX/XX/XXXX XXXX delinquency, then XXXX deferment coding ; adverse late remains but current status is current, deferred. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Inaccurate/ Never Late ) Creditor : XXXX XXXX XXXXXXXX / XXXX XXXX Account no. : XXXXXXXX XXXX XXXX XXXX XXXX | Type : Installment student loan | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Current account ; Date updated XX/XX/XXXX ; deferred | Original amount ( hist. ) : {$720.00} high balance | Amount in default : {$0.00} currently past due ; prior 90day delinquency XX/XX/XXXX with pastdue {$16.00} | XXXX : XXXX late in XX/XX/XXXX followed by deferment ( XXXX, XXXX ) and {$0.00} scheduled payments ; derogatory code confined to that month. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Inaccurate/ Never Late ) Creditor : XXXX XXXX XXXX / XXXX XXXX Account no. : XXXXXXXX XXXX XXXX XXXX XXXX | Type : Installment student loan | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Current account ; Date updated XX/XX/XXXX ; deferred | Original amount ( hist. ) : {$3500.00} high balance | Amount in default : {$0.00} currently past due ; prior XXXX delinquency XX/XX/XXXX with pastdue {$78.00} | XXXX : XX/XX/XXXX payment history shows XXXX late with pastdue {$78.00} and scheduled {$26.00}, then brought current and deferred with XXXX XXXX XXXX \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Inaccurate/ Never Late ) Creditor : XXXX XXXX XXXXXXXX / XXXX XXXX Account no. : XXXXXXXX XXXX XXXX XXXX XXXX | Type : Installment student loan | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Current account ; Date updated XX/XX/XXXX ; deferred | Original amount ( hist. ) : {$2000.00} high balance | Amount in default : {$0.00} currently past due ; prior 90day delinquency XX/XX/XXXX with pastdue {$77.00} | Notes : Same XXXX pattern : isolated 90day delinquency, then account coded XXXX and returned to {$0.00} past due while in deferment. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Inaccurate/ Never Late ) Creditor : XXXX XXXX XXXX / XXXX XXXX Account no. : XXXXXXXX XXXX XXXX XXXX XXXX | Type : Installment student loan | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Current account ; Date updated XX/XX/XXXX ; deferred | Original amount ( hist. ) : {$4500.00} high balance | Amount in default : {$0.00} currently past due ; prior 90day delinquency XX/XX/XXXX with pastdue {$100.00} | XXXX : XXXX late in XX/XX/XXXX then deferment and {$0.00} past due ; derogatory still appears in the payment grid and can be disputed for accuracy and completeness. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Inaccurate/ Never Late ) Creditor : XXXX XXXX XXXXXXXX / XXXX XXXX Account no. : XXXXXXXX XXXX XXXX XXXX XXXX | Type : Installment student loan | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Current account ; Date updated XX/XX/XXXX ; deferred | Original amount ( hist. ) : {$2000.00} high balance | Amount in default : {$0.00} currently past due ; prior 90day delinquency XX/XX/XXXX with pastdue {$52.00} | Notes : Same XX/XX/XXXX XXXX delinquency with subsequent deferment coding XXXX and no current pastdue balance reported. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Inaccurate/ Never Late ) Creditor : XXXX XXXX XXXXXXXX / XXXX XXXX Account no. : XXXXXXXX XXXX XXXX XXXX XXXX  | Type : Installment student loan | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Current account ; Date updated XX/XX/XXXX ; deferred | Original amount ( hist. ) : {$4500.00} high balance | Amount in default : {$0.00} currently past due ; prior XXXX delinquency XX/XX/XXXX with pastdue {$110.00} | XXXX : Shows XXXX late in XX/XX/XXXX, then moved to deferment with no current pastdue ; payment grid uses XXXX and XXXX to indicate deferment/dispute resolution. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inaccurate/ Never Late ) Creditor : XXXX XXXX XXXXXXXX / XXXX XXXX Account no. : XXXXXXXX XXXX XXXX XXXX XXXX | Type : Installment student loan | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Current account ; Date updated XX/XX/XXXX ; deferred | Original amount ( hist. ) : {$2000.00} high balance | Amount in default : {$0.00} currently past due ; prior XXXX delinquency XX/XX/XXXX with pastdue {$54.00} | Notes : 90day late in XX/XX/XXXX ; after XX/XX/XXXX account reflects deferment and no pastdue balance, but the derogatory month remains on the file. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Inaccurate/ Never Late ) Creditor : XXXX XXXX XXXXXXXX / XXXX XXXX Account no. : XXXXXXXX XXXX XXXX XXXX XXXX | Type : Installment student loan | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Pay Status Current account ; Date updated XX/XX/XXXX ; deferred | Original amount ( hist. ) : {$1000.00} high balance | Amount in default : {$0.00} currently past due ; prior XXXX delinquency in the XXXX payment history sequence ( late trend preceding chargeoff on a related XXXXXXXX XXXX XXXX line ) | Notes : History shows progression from XXXX late to XXXX late and then chargeoff coding before account was updated to current/deferred ; this historical derogatory coding can be challenged if inconsistent with servicer records or pandemic forbearance rules. \n\nXXXX XXXX XXXX XXXX XXXX Secured installment ( paid, prior lates ) ( Unverified/Fraudulent ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  | Account no. : XXXXXXXX XXXX XXXX XXXX XXXX | Type : Installment secured XXXX XXXX | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Paid, Closed ; was Paid as agreed ; Date updated XX/XX/XXXX ; Date closed XX/XX/XXXX | Original amount ( high balance ) : {$1600.00} | Amount in default : {$0.00} balance ; {$0.00} past due ( account paid and closed ) | Notes : Payment history includes XXXX and XXXX lates in early XXXX before payoff ; these historical lates are still adverse even though the account is closed in good standing now. \n\nXXXX XXXX XXXX XXXX Secured installment ( paid, prior lates ) ( Unverified/Fraudulent ) Creditor : XXXXXXXX XXXX XXXX XXXX | Account no. : XXXXXXXX XXXX XXXX XXXX XXXX | Type : Installment secured XXXX XXXX | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Paid, Closed ; was Paid as agreed ; Date updated XX/XX/XXXX ; Date closed XX/XX/XXXX | Original amount ( high balance ) : {$1600.00} | Amount in default : {$0.00} balance ; {$0.00} past due | Notes : History shows XXXX and XXXX lates before payoff in XXXX ; lates remain as negative payment history under FCRA XXXX XXXX. \n\nXXXXXXXX XXXX XXXX XXXX  Secured installment ( paid, prior lates ) ( Unverified/Fraudulent ) Creditor : XXXXXXXX XXXX XXXX XXXX | Account no. : XXXXXXXX XXXX XXXX XXXX XXXX | Type : Installment secured XXXX XXXX | Date opened : XX/XX/XXXX | Last payment : XX/XX/XXXX | Status/last update : Paid, Closed ; was Paid as agreed ; Date updated XX/XX/XXXX ; Date closed XX/XX/XXXX | Original amount ( high balance ) : {$1700.00} | Amount in default : {$0.00} balance ; {$0.00} past due | Notes : Payment history includes at least one 30 and one 60day late prior to payoff ; still negative but scheduled to age off under standard FCRA time frames. \n\nViolations Alleged To the extent you have failed to : I. Conduct a reasonable reinvestigation of my dispute, II. Review all relevant information that I have provided, III. Communicate my dispute accurately to the furnisher ( s ), IV. Block identitytheftrelated information after receiving the required documentation, and/or V. Delete or correct information that can not be verified as accurate, You are in violation of the FCRA, including but not limited to 15 U.S.C. 1681e ( b ), 1681c2, and 1681i, as well as applicable CFPB and FTC regulations and guidance. Continued reporting of fraudulent and inaccurate information after notice of identity theft also constitutes willful or negligent noncompliance with the FCRA, exposing you to civil liability. \n\nDemands For Correction And Specific Relief Accordingly, I demand that you : I. Conduct a thorough, reasonable reinvestigation of each disputed item listed in my attached schedule, including review of all documents I have provided.\n\nII. Block, delete, and permanently remove from my consumer report all tradelines, accounts, inquiries, or derogatory items that are the result of identity theft or can not be verified as accurate as to me.\n\nIII. Provide me with an updated copy of my consumer report showing the removal or correction of all disputed items. \nIV. Provide a written description of the procedures used in your reinvestigation, including the entities you contacted, information reviewed, and the basis for your conclusions, as permitted under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).\n\nV. Refrain from reinserting any deleted items in my file unless you fully comply with the FCRAs reinsertion requirements, including proper notice.\n\nThese actions should be completed within the statutory reinvestigation period, generally 30 days from your receipt of this dispute ( or shorter blocking timelines as applicable under 605B ), and you should provide written confirmation to me at the address above.\n\nNotice Of Potential Litigation And Damages Please treat this letter as both a dispute under the FCRA and a prelitigation demand. If you fail to comply with the obligations described above, continue to report inaccurate or identitytheftrelated information, or otherwise refuse to correct and block the disputed items, you may be liable for : I. Actual damages, including but not limited to credit denials, higher interest rates, and emotional distress.\n\nII. Statutory damages for willful violations under 15 U.S.C. 1681n.\n\nIII. Attorneys fees and costs. \nIV. Punitive damages where appropriate, particularly for reckless or knowing disregard of consumer rights. \n\nFederal regulators, including the CFPB and FTC, have expressly warned that consumer reporting agencies and furnishers can face enforcement actions and civil liability for failure to reasonably investigate disputes and properly address identity theftrelated information. If you do not resolve this matter within the time provided by law, I reserve all rights to pursue legal remedies in court, including filing suit against you and any furnishers involved in these inaccuracies for violations of the FCRA and related consumer protection statutes. \n\nDocuments enclosed I am enclosing the following, and you must review each item as part of your investigation : Copy of governmentissued identification Proof of current address Copy of my FTC Identity Theft Report A list of each disputed tradeline, including creditor name, account number ( redacted ), and why the item is inaccurate or fraudulent Any additional supporting documentation showing that the accounts or transactions are not mine Please confirm in writing, at the address listed above, that you have received this dispute, initiated a reinvestigation, blocked and removed any identitytheftrelated information pursuant to FCRA 605B, and corrected all inaccurate information. Retain this letter and all attachments in your files, as they will be used as evidence of your notice and your response in any future regulatory complaint or civil litigation. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-15T05:12:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30909","tags":null,"has_narrative":true,"complaint_id":"18032947","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-15T05:07:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["to XXXX/> ) | Notes : Appears as profitandloss chargeoff, with <em>multiple</em> months of C/O notation that must age off within FCRA reporting <em>periods</em>."]},"sort":[10.223182,"18032947"]},{"_index":"complaint-public-v1","_id":"14952949","_score":10.192738,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint against the nationwide consumer reporting agencies and several data furnishers for repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Despite previous dispute attempts and an open investigation, my credit reports still contain multiple inaccuracies, including false addresses, incorrect account statuses, unverifiable collections, charge-offs, and late payments that continue to harm me financially, emotionally, and reputationally. \nXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Issue : Wrong Address Law : FCRA 1681e ( b ) Duty to maintain accurate information Explanation : I have never lived at or been associated with this address. Including it in my credit profile is a serious violation of accuracy standards. This may have led to mixed files or unauthorized associations with accounts not belonging to me, jeopardizing my financial identity. \nXXXX XXXX XXXX XXXX, XXXX, GA XXXX Issue : Wrong Address Law : FCRA XXXX Blocking inaccurate information Explanation : I am not connected in any way to this address. The continued reporting of this location as part of my profile is false, misleading, and has no legitimate basis. This error may have also contributed to false account linkages or identity confusion during background or credit checks. \nXXXX XXXX XXXX All Entries Dated XXXX Issue : Late Payments Law : FCRA 1681s-2 ( a ), Higher Education Act, CARES Act ( where applicable ) Explanation : These student loan accounts reflect numerous late payments that are misleading. During the majority of these periods, I was under forbearance or hardship deferments, or I was actively working with loan servicers to find resolution. Many of these entries disregard my protected status and reflect negligence by the furnisher. I repeatedly reached out explaining my financial hardship and was given verbal confirmation of pauses or accommodations, yet late payments continued to be reported. This practice is not only unfair but deeply damaging and misrepresents my intent and efforts to maintain good standing. \nXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681m ( a ), FCRA 1681s-2 ( b ) Explanation : This late payment reporting is inaccurate. I had active automatic payments on the account and received no notice that a payment failed. I contacted customer service to correct the issue, but no update was made to the bureaus. This inaccurate late mark lowered my credit score and resulted in being denied a personal loan that was necessary during a family medical emergency. I dispute this late payment and request immediate removal based on improper notification and misreporting. \nXXXX XXXX XXXX Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681i ( a ), FCRA 1681e ( b ) Explanation : This account was charged off without a final billing or payment summary. I was never provided with written notice of charge-off. The amount reported is inconsistent with my transaction history. I had reached out to restructure the debt due to pandemic-related income hardship, but no assistance was given. The lender acted in bad faith and now the charge-off is unjustly impacting my creditworthiness. \nXXXXXXXX XXXX XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681c-2, 12 CFR 1022.43 Explanation : Both accounts were under dispute when they were charged off, which violates federal requirements to suspend reporting during active disputes. I also requested debt validation, which was never provided. Reporting these as charge-offs reflects a serious violation of my consumer rights and has led to denials in renting property. \nXXXX XXXX Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681s-2 ( b ), FDCPA 807 Explanation : I was actively enrolled in a hardship program and never informed of any final charge-off. The lender gave contradictory information over the phone versus what was reported to the bureaus. Their failure to honor the payment program led to the erroneous charge-off. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX and XX/XX/XXXX * * Issue : Duplicate Collections Law : FDCPA 807 ( 8 ), FCRA 1681c-2 Explanation : These are duplicate entries for the same debt. The amounts do not match, and no proper verification has been provided. This is misleading and harmful to my XXXX XXXX. XXXX or both must be removed immediately. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX * * Issue : Collection Law : FDCPA 809 ( a ), FCRA 1681e ( b ) Explanation : I have no knowledge of this debt. No notice was sent, no validation was received, and this appears to be erroneous or misattributed. It must be deleted due to lack of verification and violation of due process. \nXXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXssue : Collection Law : FCRA 1681i ( a ), FDCPA 809 ( b ) Explanation : This account was reported without validation. I submitted a dispute and request for verification, but no response was ever received. This item is damaging and unsubstantiated and must be removed immediately. \nRequest for Relief : I request that the CFPB take immediate action and compel all relevant credit bureaus and furnishers to : Conduct a full reinvestigation under FCRA 1681i Remove or correct all disputed items Provide written documentation supporting all furnished information Cease any further reporting of unverifiable accounts I am prepared to escalate this matter through the FTC and civil litigation if necessary. These repeated violations of my rights as a consumer must be addressed to prevent ongoing damage.","date_sent_to_company":"2025-07-29T17:49:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30046","tags":null,"has_narrative":true,"complaint_id":"14952949","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-29T17:46:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["During the majority of these <em>periods</em>, I was under <em>forbearance</em> or hardship <em>deferments</em>, or I was actively working with loan servicers to find resolution. Many of these entries disregard my protected status and reflect negligence by the furnisher. I repeatedly reached out explaining my financial hardship and was given verbal confirmation of pauses or accommodations, yet late payments continued to be reported."]},"sort":[10.192738,"14952949"]},{"_index":"complaint-public-v1","_id":"14713606","_score":9.593203,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint to formally raise serious concerns about multiple inaccuracies on my credit report, including wrong addresses, unauthorized hard inquiries, and erroneous account reporting that violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), HIPAA, and other federal consumer protection laws. \nI have attempted to resolve these issues directly with the credit bureaus and furnishers but have received no satisfactory response. These inaccuracies have severely affected my financial life, creditworthiness, and emotional well-being. \nBelow is a breakdown of each issue along with applicable laws and the impact on me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address Issue : I have never lived at or been associated with this address. Its presence is false and misleading.\n\nLaw : FCRA 1681e ( b ) Credit bureaus must ensure maximum possible accuracy.\n\nStory : This address appeared suddenly on my report during a fraud investigation period. I have never received mail, utility bills, or had residency at this location. Having this listed has caused me to be flagged in background checks and denied an apartment lease. \nXXXX XXXX XXXX, XXXX, XXXX  XXXX Wrong Address Issue : This address is outside my state and not connected to any past residence. \nLaw : FCRA 611 Consumers have a right to dispute inaccurate items.\n\nStory : I have no personal, business, or family ties to this address. I believe this may be the result of identity confusion or mixed files. My auto insurance rate increased due to this incorrect residency record. \nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Wrong Address Issue : I never lived here and have no ties to the residence.\n\nLaw : FCRA 602 Inaccurate reporting undermines consumer confidence.\n\nStory : This address may belong to someone with a similar name. A landlord ran my credit and flagged me for conflicting addresses, which resulted in rejection from a housing application. \nXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Wrong Address Issue : Out-of-state address, never associated with me. \nLaw : FCRA 1681i Must correct inaccurate or incomplete information. \nStory : I was alerted by a fraud monitoring service that accounts were being attempted from this address. This raises red flags and severely threatens my financial reputation. \nXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Wrong Address Issue : Completely unknown and not mine.\n\nLaw : FCRA 607 ( b ) Users of consumer reports must ensure data is used fairly and accurately.\n\nStory : This entry resulted in my name being flagged during a federal job application. The recruiter stated address inconsistency as a red flag and paused the process. \nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Wrong Address Issue : I never lived at this address or authorized its usage. \nLaw : FCRA 605 Reporting inaccurate information over 7 years old or irrelevant is unlawful.\n\nStory : I suspect this may be linked to a leasing fraud incident. It caused my credit score to drop after being tied to an account I never opened. \nXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Wrong Address Issue : This address is not connected to me in any way.\n\nLaw : FCRA 611 ( a ) ( 1 ) ( A ) Inaccuracies must be reinvestigated.\n\nStory : My account was frozen by a bank because this address matched a flagged individual. This has emotionally and financially damaged me and delayed my student loan disbursement. \nXXXX XXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$220.00} Issue : Account charged off without validation or full investigation.\n\nLaw : FDCPA 809 ( b ) ; FCRA 623 Story : I disputed this balance because I never received final billing. Despite contacting XXXX XXXX multiple times, they failed to provide itemized charges. I was also dealing with financial hardship and temporary homelessness during this period, which worsened my ability to resolve the issue. \nXXXX XXXX XXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$340.00} Issue : Reported late during COVID-related hardship protections.\n\nLaw : CARES Act 4021 ; FCRA 623 Story : I was enrolled in a temporary forbearance program. XXXX XXXX still reported me late, which is not only unethical but also illegal under CARES guidelines. This impacted my auto loan approval. \nXXXX XXXX XXXX  XXXX XXXX * Charge Off Opened : XX/XX/XXXX Balance : {$12000.00} Issue : This charge off was added without dispute resolution or explanation. \nLaw : FDCPA 807 Prohibits deceptive practices ; FCRA 611 Story : I contacted XXXX XXXX multiple times to dispute this balance. I was a victim of academic fraud where a third party signed me up for courses using my information. XXXX XXXX ignored this context and severely damaged my credit. \nXXXX XXXX XXXX  Late Payment Opened : XX/XX/XXXX Balance : {$720.00} Issue : Account incorrectly marked late without payment history clarification. \nLaw : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Furnishers must report accurately.\n\nStory : I made a deferred payment agreement with the lender. Despite agreement, they reported it as delinquent. This reduced my FICO score right before a job-related background check. \nDEPT OF EDUCATIONXXXX XXXX ( Multiple Dates and Balances ) Late Payments Issue : These are duplicate accounts, many during active deferment periods.\n\nLaw : HEA 485B ; FCRA 623 Story : The Department of Education placed me in an income-driven repayment plan and several forbearances. However, they reported me as delinquent, leading to denial of federal housing support. It has also emotionally devastated me, as I worked hard to rebuild my academic career. \nXXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$17000.00} Issue : Late payment was reported during a formal payment pause. \nLaw : FCRA 623 ; Equal Credit Opportunity Act ( ECOA ) Story : I had submitted documents showing hardship and XXXX  confirmed processing. However, they still marked me late. I lost an opportunity to refinance due to this false record. \nXXXX XXXX XXXX XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$4900.00} Issue : No debt validation was ever sent.\n\nLaw : FDCPA 809 ( b ) ; FCRA 611 Story : I was never contacted about this alleged debt until it showed up on my report. It appears to be related to an old apartment dispute that was resolved. Yet, they placed it in collections without any notice or legal process. \nXXXX XXXX XXXX XXXX XXXX  Collection Opened : XX/XX/XXXX Balance : {$1300.00} Issue : No medical services were received by me for this amount.\n\nLaw : HIPAA Privacy Rule ; FDCPA 807 Story : I believe this may have been billed under my name mistakenly during an ER visit that wasn't mine. I never received an invoice or breakdown of services. This is both illegal and traumatizing. \nXXXX XXXX XXXX XXXXXXXX Collection Opened : XX/XX/XXXX Balance : {$1700.00} Issue : No notice, validation, or original creditor information was provided.\n\nLaw : FDCPA 809 ( a ) ; FCRA 611 Story : This account was flagged while I was applying for rental assistance. Ive never received any documentation or communication from this collector. It appears fraudulent. \nXXXX  XXXX XXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$210.00} Issue : Account unknown to me ; possible identity theft.\n\nLaw : FCRA 605B Blocking of information resulting from ID theft.\n\nStory : I do not have any credit relationship with this credit union. This may have been opened with stolen personal data. I demand an immediate block of this tradeline. \nXXXX XXXX XXXX XXXX XXXX Charge Off Opened : XX/XX/XXXX Balance : {$1500.00} Issue : Charges were disputed, and service was canceled properly.\n\nLaw : FCRA 623 ( a ) ( 2 ) ; FDCPA 807 Story : I contacted XXXX several times disputing overbilling. They sent no final bill and never responded to my dispute. Reporting it as charged off is unfair, inaccurate, and illegal. \nHard Inquiries ( Unauthorized or Without Permissible Purpose ) XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize or apply for credit with this company.\n\nLaw : FCRA 604 ( a ) ( 3 ) Permissible purpose required for inquiry.\n\nStory : This inquiry is hurting my credit profile. Its possible my data was shared without consent or pulled for marketing. \nXXXX XXXX  XX/XX/XXXX Issue : I never applied for a card or service. \nLaw : FCRA 604 Story : This seems to be a preapproval error or identity misuse. It must be removed immediately. \nXXXX XXXX  XX/XX/XXXX Issue : Duplicate or improper inquiry without new credit action.\n\nLaw : FCRA 604 Story : This inquiry happened during a time I had no activity with XXXX XXXX. They must produce documentation or remove it.\n\nIMPACT & RELIEF REQUESTED These reporting errors have had a devastating effect on my life : Ive been denied for credit cards, auto loans, housing, and employment. \nIve suffered emotional distress from seeing my identity misrepresented. \nIve lost thousands in potential savings due to unfair interest rates and fees. \nI am requesting the CFPB to : XXXX. Open a formal investigation into the credit bureaus and data furnishers. \nXXXX. Demand verification and removal of any unverifiable, inaccurate, or duplicate item. \nXXXX. Enforce FCRA and FDCPA compliance. \nXXXX. Provide me with the results of the investigation.","date_sent_to_company":"2025-07-17T20:04:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"14713606","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-17T20:01:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Story : I made a <em>deferred</em> payment agreement with the lender. Despite agreement, they reported it as delinquent. This reduced my FICO score right before a job-related background check. \nDEPT OF EDUCATIONXXXX XXXX ( <em>Multiple</em> Dates and Balances ) Late Payments Issue : These are duplicate <em>accounts</em>, many during active <em>deferment</em> <em>periods</em>.\n\nLaw : HEA 485B ; FCRA 623 Story : The Department of Education placed me in an income-driven repayment plan and several <em>forbearances</em>."]},"sort":[9.593203,"14713606"]},{"_index":"complaint-public-v1","_id":"15309192","_score":7.8679385,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am filing this formal complaint against [ XXXX  / Experian / XXXX  ] for their continued reporting of inaccurate, unverifiable, misleading, and duplicate information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the U.S. Bankruptcy Code.\n\nDespite multiple disputes, these items remain on my reports without proper verification or correction. These entries have significantly damaged my credit score, hindered my ability to obtain housing and credit, and caused emotional and financial distress.\n\nIncorrect Addresses to Be Deleted XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : These addresses are not now, nor have they ever been, my legal residences. Their presence in my credit file is a direct violation of FCRA 1681e ( b ), which requires maximum possible accuracy in consumer reports. I have never signed any contracts, utility bills, lease agreements, or other documents tying me to these addresses. Including them creates a false profile of my residence history, exposes me to identity theft, and makes it appear that I have lived in multiple locations tied to unrelated debts. This is particularly harmful when lenders use address history to assess stability. Under FCRA 1681i ( a ), you are required to investigate and remove unverifiable addresses within 30 days. \nXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off * * Issue : Reported as a charge-off with a {$610.00} balance ; unverifiable. \nLaw : FCRA 1681i, FCRA 1681e ( b ).\n\nStory : I dispute the accuracy of this account because I have not been provided with a signed original agreement, complete account statements, or proof that the alleged debt is valid and collectible. The creditor has failed to validate the debt under FDCPA 809 ( b ), which requires a debt collector to provide verification of the debt upon request. Continuing to report this tradeline as charged-off without lawful proof is an act of negligence and reckless disregard for accuracy. This derogatory mark is damaging my credit score, causing credit denials, and subjecting me to financial hardship.\n\nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off * * Issue : Balance of {$860.00} marked as charge-off without proof. \nLaw : FCRA 1681i ( a ), FDCPA 809 ( b ).\n\nStory : This account appears with a negative status despite my repeated requests for validation. The creditor has failed to produce documentation showing the chain of custody from original creditor to current furnisher. Without such proof, the tradeline is not legally reportable. Reporting this as a charge-off suggests I am unwilling to pay debts, which is inaccurate and defamatory when no proof exists. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off * * Issue : {$0.00} balance but still marked charged-off. \nLaw : FCRA 1681e ( b ).\n\nStory : A {$0.00} balance indicates payment or settlement ; however, retaining a charge-off status misrepresents the accounts true standing. This is a willful mischaracterization that unfairly impacts my creditworthiness. If the balance is XXXX, it must either be updated to Paid or deleted entirely. Anything else constitutes misleading reporting. \nXXXX Account # XXXX Charge-off * * Issue : No proof of delinquency or default. \nLaw : FCRA 1681i.\n\nStory : This account is reported as charged-off without providing a single piece of verified documentation. The creditor has not shown any evidence of a late payment history, default notices, or proof of assignment. Inaccurate negative information like this can lead to unjustified credit denials and is prohibited under federal law.\n\nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off * * Issue : {$0.00} balance but derogatory status remains. \nLaw : FCRA 1681e ( b ).\n\nStory : The creditors records contradict themselves by showing a XXXX balance yet maintaining a negative charge-off. This misrepresentation unfairly lowers my score and damages my credibility with lenders. The FCRA mandates removal of data that is inconsistent or unverifiable. \nXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Charge-off * * Issue : {$0.00} balance with derogatory status. \nLaw : FCRA 1681e ( b ).\n\nStory : The reporting of this account is inconsistent with basic credit reporting accuracy standards. Keeping a negative mark after resolution is deceptive and has a chilling effect on my ability to access fair credit terms. \nXXXX Account # XXXX Late Payment XXXX XXXX  Issue : {$130000.00} balance with reported late payments ; accuracy disputed. \nLaw : FCRA 1681i, Higher Education Act protections.\n\nStory : This account shows late payments during periods where I was under approved deferment or forbearance status. Reporting lates during legally protected payment suspensions is prohibited. This not only misrepresents my payment history but also violates federal student loan servicing guidelines.\n\nXXXX Account # XXXX Late Payment Issue : {$9700.00} balance with lates ; unverifiable. \nLaw : FCRA 1681s-2 ( a ).\n\nStory : The servicer has not provided accurate payment records showing the exact dates and reasons for each late mark. Without precise records, these derogatory entries are speculative and must be deleted.\n\nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate/inconsistent reporting. \nLaw : FCRA 1681e ( b ).\n\nStory : This appears to be a duplicate of the previous account, creating the false appearance of multiple defaults when only one exists. Duplicate reporting artificially inflates derogatory marks and must be corrected immediately.\n\nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate late payment report. \nLaw : FCRA 1681i.\n\nStory : No documentation has been provided showing when and how this late occurred. Reporting unverifiable lates damages my ability to secure housing, employment, and credit at fair rates. \nXXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : {$0.00} balance with derogatory status. \nXXXX : FCRA XXXX ( b ). \nStory : This reporting is contradictory and misleading. If there is no outstanding balance, the account must be marked as Paid or removed entirely. Keeping a derogatory mark under these conditions is a willful violation of my rights.\n\nXXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Charge-off Issue : This account is reported as a charge-off despite showing a XXXX balance. \nLaw : FCRA 607 ( b ) requires maximum possible accuracy in consumer reporting.\n\nStory : Reporting an account as charged-off when the balance is {$0.00} creates a false narrative about my credit history, implying there is an unresolved derogatory debt when there is none. I have never received any proof from the creditor that this account was lawfully charged-off. This inaccurate reporting is misleading to potential creditors and directly harms my ability to obtain credit, housing, or employment. Without concrete, original documentation proving the validity of this charge-off, this entry must be deleted immediately to comply with federal law. \nXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-off Issue : Account shows derogatory status with no amount owed. \nLaw : FCRA 611 ( a ) requires deletion of unverifiable information upon dispute. \nStory : I have no recollection of entering into an agreement with XXXX XXXX XXXX for the alleged debt in question. No creditor has provided an original signed contract, full account history, or payment records that validate this entry. The ongoing reporting of a charge-off for a debt that does not exist creates unnecessary harm to my financial reputation, prevents me from accessing fair credit opportunities, and misleads any lender who reviews my report. This is a clear violation of my rights and must be corrected. \nXXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-off Issue : Listed as charged-off without a balance owed. \nLaw : FCRA 602 ( a ) emphasizes that credit reports must be fair, accurate, and impartial.\n\nStory : This derogatory mark is damaging without a legal or financial basis. At no point have I received statements, contracts, or proof of default that would justify this reporting. The continued presence of such an entry creates a distorted picture of my creditworthiness, undermining my ability to rebuild credit and placing me in an unfair financial position. The law does not permit the retention of unverifiable or misleading data, and therefore this account must be removed immediately.\n\nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-off Issue : Incorrect and misleading reporting. \nLaw : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing information known to be inaccurate.\n\nStory : I have requested multiple times for validation of this debt and have received no proof of its legitimacy. Without an original creditors signed agreement, full payment history, and lawful charge-off notice, this entry violates my rights. The damage caused by such an error is not minor it directly affects my credit scores, increases interest rates, and restricts my access to fair lending. This account must be deleted unless fully validated. \nXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-off Issue : Charge-off reported without a valid balance. \nLaw : FCRA 605 ( a ) forbids outdated or inaccurate information from remaining in a credit file.\n\nStory : I have never been given an opportunity to review or verify the accuracy of this account. Its continued presence is both unfair and unlawful, leading to unjust denials of credit and other financial opportunities. Without original supporting documents, this account should be removed immediately. \nXXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00} Collection Issue : No legal proof of ownership of debt. \nLaw : FDCPA and FCRA both prohibit reporting unverifiable accounts.\n\n\nStory : This account was added to my credit report without any supporting evidence. I have never been contacted by the original creditor or provided with statements or contracts proving the debt is mine. Without verification, the law requires that it be removed.\n\nXXXX  XXXX Bankruptcy Reference # XXXX Court U.S. Bankruptcy Court Bankruptcy Issue : Discharged debts still showing derogatory statuses. \nLaw : U.S. Bankruptcy Code 524 prohibits post-discharge derogatory reporting. \nStory : After my XXXX  XXXX bankruptcy was discharged, all included debts should have been updated to show XXXX balances and no derogatory status. Instead, several creditors continue to report these debts in violation of my bankruptcy protections and the FCRA. This is illegal and must be corrected immediately. \nHard Inquiries ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Issue : Multiple unauthorized credit inquiries. \nLaw : FCRA 604 ( a ) ( 2 ) prohibits inquiries without permissible purpose.\n\nStory : Many of these inquiries occurred without my consent or application for credit, suggesting that my credit file may have been accessed improperly. Unauthorized inquiries lower my credit score and can indicate potential identity theft. All unauthorized inquiries must be removed immediately to restore the accuracy of my file.\n\nHarm Caused : These inaccuracies have caused multiple credit denials, increased interest rates, and emotional distress. They have impacted my ability to secure stable housing, obtain fair credit terms, and maintain financial stability. The continued presence of these unverifiable and inaccurate items is unlawful and violates my rights under federal law. \nRequested Resolution : Conduct a full and independent investigation into each disputed account.\n\nProvide me with copies of all original documents, contracts, and account statements used to verify these debts. \nDelete any item that can not be verified in full compliance with the FCRA and FDCPA. \nRemove all unauthorized hard inquiries. \nUpdate all bankruptcy-related accounts to show Discharged in Bankruptcy with XXXX balances. \nPlease ensure that your response includes proof of each investigation and the steps taken to correct my credit reports.","date_sent_to_company":"2025-08-15T20:51:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"72204","tags":null,"has_narrative":true,"complaint_id":"15309192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-15T20:49:24.000Z","state":"AR","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":["Story : This <em>account</em> shows late payments during <em>periods</em> <em>where</em> I was under approved <em>deferment</em> or <em>forbearance</em> status. Reporting lates during legally protected payment suspensions is prohibited. This not only misrepresents my payment history but also violates federal student loan servicing guidelines.\n\nXXXX <em>Account</em> # XXXX Late Payment Issue : {$9700.00} balance with lates ; unverifiable. \nLaw : FCRA 1681s-2 ( a )."]},"sort":[7.8679385,"15309192"]},{"_index":"complaint-public-v1","_id":"15321500","_score":7.8597307,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am filing this formal complaint against [ XXXX  XXXX XXXX  XXXX TransUnion ] for their continued reporting of inaccurate, unverifiable, misleading, and duplicate information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX Bankruptcy Code. \nDespite multiple disputes, these items remain on my reports without proper verification or correction. These entries have significantly damaged my credit score, hindered my ability to obtain housing and credit, and caused XXXX  and financial XXXX. \nIncorrect Addresses to Be Deleted XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXXXXXX, TX XXXX XXXX XXXX, XXXX, MI XXXX Story : These addresses are not now, nor have they ever been, my legal residences. Their presence in my credit file is a direct violation of FCRA 1681e ( b ), which requires maximum possible accuracy in consumer reports. I have never signed any contracts, utility bills, lease agreements, or other documents tying me to these addresses. Including them creates a false profile of my residence history, exposes me to identity theft, and makes it appear that I have lived in multiple locations tied to unrelated debts. This is particularly harmful when lenders use address history to assess stability. Under FCRA 1681i ( a ), you are required to investigate and remove unverifiable addresses within 30 days. \nXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off * * Issue : Reported as a charge-off with a {$610.00} balance ; unverifiable. \nLaw : FCRA 1681i, FCRA 1681e ( b ).\n\nStory : I dispute the accuracy of this account because I have not been provided with a signed original agreement, complete account statements, or proof that the alleged debt is valid and collectible. The creditor has failed to validate the debt under FDCPA 809 ( b ), which requires a debt collector to provide verification of the debt upon request. Continuing to report this tradeline as charged-off without lawful proof is an act of negligence and reckless disregard for accuracy. This derogatory mark is damaging my credit score, causing credit denials, and subjecting me to financial hardship. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off * * Issue : Balance of {$860.00} marked as charge-off without proof.\n\nLaw : FCRA 1681i ( a ), FDCPA 809 ( b ).\n\nStory : This account appears with a negative status despite my repeated requests for validation. The creditor has failed to produce documentation showing the chain of custody from original creditor to current furnisher. Without such proof, the tradeline is not legally reportable. Reporting this as a charge-off suggests I am unwilling to pay debts, which is inaccurate and defamatory when no proof exists. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off * * Issue : {$0.00} balance but still marked charged-off.\n\nLaw : FCRA 1681e ( b ).\n\nStory : A {$0.00} balance indicates payment or settlement ; however, retaining a charge-off status misrepresents the accounts true standing. This is a willful mischaracterization that unfairly impacts my creditworthiness. If the balance is XXXX, it must either be updated to Paid or deleted entirely. Anything else constitutes misleading reporting. \nXXXX Account # XXXX Charge-off * * Issue : No proof of delinquency or default.\n\nLaw : FCRA 1681i.\n\nStory : This account is reported as charged-off without providing a single piece of verified documentation. The creditor has not shown any evidence of a late payment history, default notices, or proof of assignment. Inaccurate negative information like this can lead to unjustified credit denials and is prohibited under federal law. \nXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off * * Issue : {$0.00} balance but derogatory status remains. \nLaw : FCRA 1681e ( b ).\n\nStory : The creditors records contradict themselves by showing a zero balance yet maintaining a negative charge-off. This misrepresentation unfairly lowers my score and damages my credibility with lenders. The FCRA mandates removal of data that is inconsistent or unverifiable. \nXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Charge-off * * Issue : {$0.00} balance with derogatory status. \nLaw : FCRA 1681e ( b ).\n\nStory : The reporting of this account is inconsistent with basic credit reporting accuracy standards. Keeping a negative mark after resolution is deceptive and has a chilling effect on my ability to access fair credit terms. \nXXXX Account # XXXX Late Payment * * Issue : {$130000.00} balance with reported late payments ; accuracy disputed.\n\nLaw : FCRA 1681i, Higher Education Act protections.\n\nStory : This account shows late payments during periods where I was under approved deferment or forbearance status. Reporting lates during legally protected payment suspensions is prohibited. This not only misrepresents my payment history but also violates federal student loan servicing guidelines. \nXXXX Account # XXXX Late Payment Issue : {$9700.00} balance with lates ; unverifiable.\n\nLaw : FCRA 1681s-2 ( a ).\n\nStory : The servicer has not provided accurate payment records showing the exact dates and reasons for each late mark. Without precise records, these derogatory entries are speculative and must be deleted. \nXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Issue : Duplicate/inconsistent reporting.\n\nLaw : FCRA 1681e ( b ).\n\nStory : This appears to be a duplicate of the previous account, creating the false appearance of multiple defaults when only one exists. Duplicate reporting artificially inflates derogatory marks and must be corrected immediately. \nXXXX Account # XXXXXXXX XXXX XXXX  Charge-off * * Issue : {$0.00} balance but negative mark remains.\n\nLaw : FCRA 1681e ( b ).\n\nStory : Keeping a charge-off status after balance resolution is inaccurate and violates the requirement for maximum possible accuracy in credit reporting. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Issue : Inaccurate late payment report. \nLaw : FCRA 1681i. \nStory : No documentation has been provided showing when and how this late occurred. Reporting unverifiable lates damages my ability to secure housing, employment, and credit at fair rates. \nXXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off * * Issue : {$0.00} balance with derogatory status.\n\nLaw : FCRA 1681e ( b ).\n\nStory : This reporting is contradictory and misleading. If there is no outstanding balance, the account must be marked as Paid or removed entirely. Keeping a derogatory mark under these conditions is a willful violation of my rights. \nXXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-off Issue : This account is reported as a charge-off despite showing a XXXX balance. \nLaw : FCRA 607 ( b ) requires maximum possible accuracy in consumer reporting.\n\nStory : Reporting an account as charged-off when the balance is {$0.00} creates a false narrative about my credit history, implying there is an unresolved derogatory debt when there is none. I have never received any proof from the creditor that this account was lawfully charged-off. This inaccurate reporting is misleading to potential creditors and directly harms my ability to obtain credit, housing, or employment. Without concrete, original documentation proving the validity of this charge-off, this entry must be deleted immediately to comply with federal law. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-off Issue : Listed as charged-off without a balance owed. \nLaw : FCRA 602 ( a ) emphasizes that credit reports must be fair, accurate, and impartial. \nStory : This derogatory mark is damaging without a legal or financial basis. At no point have I received statements, contracts, or proof of default that would justify this reporting. The continued presence of such an entry creates a distorted picture of my creditworthiness, undermining my ability to rebuild credit and placing me in an unfair financial position. The law does not permit the retention of unverifiable or misleading data, and therefore this account must be removed immediately. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-off Issue : Incorrect and misleading reporting. \nLaw : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing information known to be inaccurate. \nStory : I have requested multiple times for validation of this debt and have received no proof of its legitimacy. Without an original creditors signed agreement, full payment history, and lawful charge-off notice, this entry violates my rights. The damage caused by such an error is not minor it directly affects my credit scores, increases interest rates, and restricts my access to fair lending. This account must be deleted unless fully validated. \nXXXX  Account # XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$260.00} Collection Issue : Lack of verification. \nLaw : FDCPA 809 ( b ) requires validation of debt before further collection or reporting. \nStory : I have repeatedly requested proof of this debt and have received no documentation showing that it is valid, accurate, or that I am the legal debtor. Without proof, its presence on my report is unlawful and damaging. This entry must be removed immediately. \nXXXX  Account # XXXX * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$590.00} Collection Issue : No legal proof of ownership of debt. \nLaw : FDCPA and FCRA both prohibit reporting unverifiable accounts.\n\nStory : This account was added to my credit report without any supporting evidence. I have never been contacted by the original creditor or provided with statements or contracts proving the debt is mine. Without verification, the law requires that it be removed. \nXXXX Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Collection Issue : Unverified reporting. \nLaw : FDCPA validation requirement and FCRAs accuracy standard.\n\nStory : This collection account has appeared without warning, notice, or any supporting documentation. I dispute its accuracy and request full removal unless original proof is provided. \nXXXX  XXXX Bankruptcy Reference # XXXX Court XXXX Bankruptcy XXXX Bankruptcy Issue : Discharged debts still showing derogatory statuses. \nLaw : XXXX Bankruptcy Code 524 prohibits post-discharge derogatory reporting. \nStory : After my XXXX  XXXX bankruptcy was discharged, all included debts should have been updated to show XXXX balances and no derogatory status. Instead, several creditors continue to report these debts in violation of my bankruptcy protections and the FCRA. This is illegal and must be corrected immediately. \nHard Inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX Issue : Multiple unauthorized credit inquiries. \nLaw : FCRA 604 ( a ) ( 2 ) prohibits inquiries without permissible purpose.\n\nStory : Many of these inquiries occurred without my consent or application for credit, suggesting that my credit file may have been accessed improperly. Unauthorized inquiries lower my credit score and can indicate potential identity theft. All unauthorized inquiries must be removed immediately to restore the accuracy of my file. \nHarm Caused : These inaccuracies have caused multiple credit denials, increased interest rates, and emotional distress. They have impacted my ability to secure stable housing, obtain fair credit terms, and maintain financial stability. The continued presence of these unverifiable and inaccurate items is unlawful and violates my rights under federal law.\n\nRequested Resolution : Conduct a full and independent investigation into each disputed account.\n\nProvide me with copies of all original documents, contracts, and account statements used to verify these debts.\n\nDelete any item that can not be verified in full compliance with the FCRA and FDCPA.\n\nRemove all unauthorized hard inquiries.\n\nUpdate all bankruptcy-related accounts to show Discharged in Bankruptcy with XXXX balances. \nPlease ensure that your response includes proof of each investigation and the steps taken to correct my credit reports.","date_sent_to_company":"2025-08-15T20:49:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"72204","tags":null,"has_narrative":true,"complaint_id":"15321500","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-15T20:46:17.000Z","state":"AR","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":["Story : This <em>account</em> shows late payments during <em>periods</em> <em>where</em> I was under approved <em>deferment</em> or <em>forbearance</em> status. Reporting lates during legally protected payment suspensions is prohibited. This not only misrepresents my payment history but also violates federal student loan servicing guidelines. \nXXXX <em>Account</em> # XXXX Late Payment Issue : {$9700.00} balance with lates ; unverifiable.\n\nLaw : FCRA 1681s-2 ( a )."]},"sort":[7.8597307,"15321500"]},{"_index":"complaint-public-v1","_id":"15306602","_score":7.8134174,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am filing this formal complaint against [ Equifax XXXX XXXX XXXX XXXX ] for their continued reporting of inaccurate, unverifiable, misleading, and duplicate information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX XXXX. \nDespite multiple disputes, these items remain on my reports without proper verification or correction. These entries have significantly damaged my credit score, hindered my ability to obtain housing and credit, and caused emotional and financial distress. \nIncorrect Addresses to Be Deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Story : These addresses are not now, nor have they ever been, my legal residences. Their presence in my credit file is a direct violation of FCRA 1681e ( b ), which requires maximum possible accuracy in consumer reports. I have never signed any contracts, utility bills, lease agreements, or other documents tying me to these addresses. Including them creates a false profile of my residence history, exposes me to identity theft, and makes it appear that I have lived in multiple locations tied to unrelated debts. This is particularly harmful when lenders use address history to assess stability. Under FCRA 1681i ( a ), you are required to investigate and remove unverifiable addresses within 30 days. \nXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off * * Issue : Reported as a charge-off with a {$610.00} balance ; unverifiable.\n\nLaw : FCRA 1681i, FCRA 1681e ( b ).\n\nStory : I dispute the accuracy of this account because I have not been provided with a signed original agreement, complete account statements, or proof that the alleged debt is valid and collectible. The creditor has failed to validate the debt under FDCPA 809 ( b ), which requires a debt collector to provide verification of the debt upon request. Continuing to report this tradeline as charged-off without lawful proof is an act of negligence and reckless disregard for accuracy. This derogatory mark is damaging my credit score, causing credit denials, and subjecting me to financial hardship. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off * * Issue : Balance of {$860.00} marked as charge-off without proof.\n\nLaw : FCRA 1681i ( a ), FDCPA 809 ( b ).\n\nStory : This account appears with a negative status despite my repeated requests for validation. The creditor has failed to produce documentation showing the chain of custody from original creditor to current furnisher. Without such proof, the tradeline is not legally reportable. Reporting this as a charge-off suggests I am unwilling to pay debts, which is inaccurate and defamatory when no proof exists. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off * * Issue : {$0.00} balance but still marked charged-off.\n\nLaw : FCRA 1681e ( b ).\n\nStory : A {$0.00} balance indicates payment or settlement ; however, retaining a charge-off status misrepresents the accounts true standing. This is a willful mischaracterization that unfairly impacts my creditworthiness. If the balance is XXXX, it must either be updated to Paid or deleted entirely. Anything else constitutes misleading reporting. \nXXXX Account # XXXX Charge-off * * Issue : No proof of delinquency or default. \nLaw : FCRA 1681i.\n\nStory : This account is reported as charged-off without providing a single piece of verified documentation. The creditor has not shown any evidence of a late payment history, default notices, or proof of assignment. Inaccurate negative information like this can lead to unjustified credit denials and is prohibited under federal law. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off * * Issue : {$0.00} balance but derogatory status remains. \nLaw : FCRA 1681e ( b ).\n\nStory : The creditors records contradict themselves by showing a zero balance yet maintaining a negative charge-off. This misrepresentation unfairly lowers my score and damages my credibility with lenders. The FCRA mandates removal of data that is inconsistent or unverifiable. \nXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Charge-off * * Issue : {$0.00} balance with derogatory status. \nLaw : FCRA 1681e ( b ).\n\nStory : The reporting of this account is inconsistent with basic credit reporting accuracy standards. Keeping a negative mark after resolution is deceptive and has a chilling effect on my ability to access fair credit terms. \nXXXX Account # XXXX Late Payment * * Issue : {$130000.00} balance with reported late payments ; accuracy disputed. \nLaw : FCRA 1681i, Higher Education Act protections.\n\nStory : This account shows late payments during periods where I was under approved deferment or forbearance status. Reporting lates during legally protected payment suspensions is prohibited. This not only misrepresents my payment history but also violates federal student loan servicing guidelines. \nXXXX Account # XXXX Late Payment Issue : {$9700.00} balance with lates ; unverifiable.\n\nLaw : FCRA 1681s-2 ( a ).\n\nStory : The servicer has not provided accurate payment records showing the exact dates and reasons for each late mark. Without precise records, these derogatory entries are speculative and must be deleted. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Issue : Duplicate/inconsistent reporting.\n\nLaw : FCRA 1681e ( b ).\n\nStory : This appears to be a duplicate of the previous account, creating the false appearance of multiple defaults when only one exists. Duplicate reporting artificially inflates derogatory marks and must be corrected immediately. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment * * Issue : Inaccurate late payment report. \nLaw : FCRA 1681i.\n\nStory : No documentation has been provided showing when and how this late occurred. Reporting unverifiable lates damages my ability to secure housing, employment, and credit at fair rates. \nXXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-off Issue : This account is reported as a charge-off despite showing a zero balance.\n\nLaw : FCRA 607 ( b ) requires maximum possible accuracy in consumer reporting. \nStory : Reporting an account as charged-off when the balance is {$0.00} creates a false narrative about my credit history, implying there is an unresolved derogatory debt when there is none. I have never received any proof from the creditor that this account was lawfully charged-off. This inaccurate reporting is misleading to potential creditors and directly harms my ability to obtain credit, housing, or employment. Without concrete, original documentation proving the validity of this charge-off, this entry must be deleted immediately to comply with federal law. \nXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-off Issue : Account shows derogatory status with no amount owed. \nLaw : FCRA 611 ( a ) requires deletion of unverifiable information upon dispute. \nStory : I have no recollection of entering into an agreement with XXXX XXXX XXXX for the alleged debt in question. No creditor has provided an original signed contract, full account history, or payment records that validate this entry. The ongoing reporting of a charge-off for a debt that does not exist creates unnecessary harm to my financial reputation, prevents me from accessing fair credit opportunities, and misleads any lender who reviews my report. This is a clear violation of my rights and must be corrected. \nXXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-off Issue : Listed as charged-off without a balance owed. \nLaw : FCRA 602 ( a ) emphasizes that credit reports must be fair, accurate, and impartial.\n\nStory : This derogatory mark is damaging without a legal or financial basis. At no point have I received statements, contracts, or proof of default that would justify this reporting. The continued presence of such an entry creates a distorted picture of my creditworthiness, undermining my ability to rebuild credit and placing me in an unfair financial position. The law does not permit the retention of unverifiable or misleading data, and therefore this account must be removed immediately. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge-off Issue : Incorrect and misleading reporting. \nLaw : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing information known to be inaccurate. \nStory : I have requested multiple times for validation of this debt and have received no proof of its legitimacy. Without an original creditors signed agreement, full payment history, and lawful charge-off notice, this entry violates my rights. The damage caused by such an error is not minor it directly affects my credit scores, increases interest rates, and restricts my access to fair lending. This account must be deleted unless fully validated. \nXXXX XXXX ( multiple accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Collection Issue : Duplicate reporting of the same debts. \nLaw : FCRA 607 ( b ) and FDCPA 807 ( 2 ) prohibit misrepresentation of debt and duplicate listings. \nStory : XXXX XXXX has reported the same debts multiple times, with slight variations in account numbers and dates. This creates the false impression that I have more delinquent accounts than I actually do. Such duplication artificially lowers my credit score and makes my credit profile appear riskier than it is. This is deceptive and unlawful under both FCRA and FDCPA. All duplicates must be deleted, and the original account must be verified with complete documentation. \nXXXX  Account # XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} Collection Issue : Lack of verification.\n\nLaw : FDCPA 809 ( b ) requires validation of debt before further collection or reporting. \nStory : I have repeatedly requested proof of this debt and have received no documentation showing that it is valid, accurate, or that I am the legal debtor. Without proof, its presence on my report is unlawful and damaging. This entry must be removed immediately. \nXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Collection Issue : Unverified reporting. \nLaw : FDCPA validation requirement and FCRAs accuracy standard.\n\nStory : This collection account has appeared without warning, notice, or any supporting documentation. I dispute its accuracy and request full removal unless original proof is provided. \nUnknown Account # XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$210.00} Collection Issue : Unknown origin and unverified debt. \nLaw : FDCPA and FCRA. \nStory : I have no record, recollection, or acknowledgment of this debt, and it was never disclosed to me before appearing on my report. This makes it an unverified and unauthorized entry, which must be deleted immediately. \nXXXX XXXX XXXX  Reference # XXXX Court XXXX Bankruptcy Court XXXX  Issue : Discharged debts still showing derogatory statuses.\n\nLaw : U.S. Bankruptcy Code 524 prohibits post-discharge derogatory reporting. \nStory : After my XXXX XXXX XXXX was discharged, all included debts should have been updated to show zero balances and no derogatory status. Instead, several creditors continue to report these debts in violation of my bankruptcy protections and the FCRA. This is illegal and must be corrected immediately. \nHard Inquiries ( XXXX XXXX XXXXXXXX, ) Issue : Multiple unauthorized credit inquiries. \nLaw : FCRA 604 ( a ) ( 2 ) prohibits inquiries without permissible purpose.\n\nStory : Many of these inquiries occurred without my consent or application for credit, suggesting that my credit file may have been accessed improperly. Unauthorized inquiries lower my credit score and can indicate potential identity theft. All unauthorized inquiries must be removed immediately to restore the accuracy of my file.\n\nHarm Caused : These inaccuracies have caused multiple credit denials, increased interest rates, and emotional distress. They have impacted my ability to secure stable housing, obtain fair credit terms, and maintain financial stability. The continued presence of these unverifiable and inaccurate items is unlawful and violates my rights under federal law.\n\nRequested Resolution : Conduct a full and independent investigation into each disputed account.\n\nProvide me with copies of all original documents, contracts, and account statements used to verify these debts.\n\nDelete any item that can not be verified in full compliance with the FCRA and FDCPA.\n\nRemove all unauthorized hard inquiries.\n\nUpdate all bankruptcy-related accounts to show Discharged in Bankruptcy with zero balances.\n\nPlease ensure that your response includes proof of each investigation and the steps taken to correct my credit reports.","date_sent_to_company":"2025-08-15T20:54:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"72204","tags":null,"has_narrative":true,"complaint_id":"15306602","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-15T20:51:46.000Z","state":"AR","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Story : This <em>account</em> shows late payments during <em>periods</em> <em>where</em> I was under approved <em>deferment</em> or <em>forbearance</em> status. Reporting lates during legally protected payment suspensions is prohibited. This not only misrepresents my payment history but also violates federal student loan servicing guidelines. \nXXXX <em>Account</em> # XXXX Late Payment Issue : {$9700.00} balance with lates ; unverifiable.\n\nLaw : FCRA 1681s-2 ( a )."]},"sort":[7.8134174,"15306602"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":19,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":19}]}},"product":{"doc_count":19,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":13}]}},{"key":"Student loan","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":3},{"key":"Federal student loan servicing","doc_count":2}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":1}]}}]}},"issue":{"doc_count":19,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":9}]}},{"key":"Dealing with your lender or servicer","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":2},{"key":"Trouble with how payments are being handled","doc_count":2},{"key":"Don't agree with the fees charged","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":2},{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1}]}}]}},"timely":{"doc_count":19,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":19}]}},"company_response":{"doc_count":19,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":11},{"key":"Closed with non-monetary relief","doc_count":8}]}},"submitted_via":{"doc_count":19,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":19}]}},"company":{"doc_count":19,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":5},{"key":"Experian Information Solutions Inc.","doc_count":4},{"key":"EQUIFAX, INC.","doc_count":3},{"key":"Navient Solutions, LLC.","doc_count":3},{"key":"Nelnet, Inc.","doc_count":3},{"key":"DISCOVER BANK","doc_count":1}]}},"state":{"doc_count":19,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"AR","doc_count":3},{"key":"FL","doc_count":3},{"key":"TX","doc_count":3},{"key":"GA","doc_count":2},{"key":"PA","doc_count":2},{"key":"IL","doc_count":1},{"key":"MA","doc_count":1},{"key":"MO","doc_count":1},{"key":"NC","doc_count":1},{"key":"VA","doc_count":1},{"key":"WI","doc_count":1}]}},"company_public_response":{"doc_count":19,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":9}]}},"tags":{"doc_count":19,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}