{"took":320,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":99087,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13612360","_score":7.446659,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ALLY FINANCIAL ( CLOSED ) Account Number or other information to identify account : XXXX Source of dispute information : XXXX Report Confirmation XXXX Type of disputed information : Credit account/tradeline Explanation of item being disputed : Date Opened is reporting as XX/XX/XXXX but the Payment History for XX/XX/XXXX is incomplete. Please contact the furnisher to update the incomplete data Payment History for XX/XX/XXXX is incomplete. Please contact the furnisher to update the incomplete data. \nDate of Last Payment is incomplete. Please contact the furnisher to update the incomplete data. \nDate of Last Activity is incomplete. Please contact the furnisher to update the incomplete data. \nAmount Past Due is incomplete. Please contact the furnisher to update the incomplete data. \nDate closed is incomplete. Please contact the furnisher to update the incomplete data. \nDate of First Delinquency is reported as XX/XX/XXXX but the Payment History for XX/XX/XXXX is reported as Paid on Time. One or both are inaccurate, please contact the data furnisher to update the inaccurate data. \nDelinquency First Reported is reported as XX/XX/XXXX but the Payment History has XX/XX/XXXX as the first 30 Days Past Due reported. One or both are inaccurate, please contact the data furnisher to update the inaccurate data. \nThe Date Reported is XX/XX/XXXX but the Payment History for XX/XX/XXXX is incomplete. Please contact the furnisher to update the incomplete data. \nHigh Credit is incomplete. Please contact the furnisher to update the incomplete data.","date_sent_to_company":"2025-05-21T13:58:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80304","tags":null,"has_narrative":true,"complaint_id":"13612360","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-05-21T13:57:58.000Z","state":"CO","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Please contact the furnisher to update the <em>incomplete</em> data. \nDate of Last Payment is <em>incomplete</em>. Please contact the furnisher to update the <em>incomplete</em> data. \nDate of Last Activity is <em>incomplete</em>. Please contact the furnisher to update the <em>incomplete</em> data. \nAmount Past Due is <em>incomplete</em>. Please contact the furnisher to update the <em>incomplete</em> data. \nDate closed is <em>incomplete</em>. Please contact the furnisher to update the <em>incomplete</em> data."]},"sort":[7.446659,"13612360"]},{"_index":"complaint-public-v1","_id":"13611898","_score":7.4452167,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX ( CLOSED ) Account Number or other information to identify account : XXXX Source of dispute information : Equifax Report Confirmation XXXX Type of disputed information : Credit account/tradeline Explanation of item being disputed : Date Opened is reporting as XX/XX/XXXX but the Payment History for XX/XX/XXXX is incomplete. Please contact the furnisher to update the incomplete data Payment History for XX/XX/XXXX is incomplete. Please contact the furnisher to update the incomplete data. \nDate of Last Payment is incomplete. Please contact the furnisher to update the incomplete data. \nDate of Last Activity is incomplete. Please contact the furnisher to update the incomplete data. \nAmount Past Due is incomplete. Please contact the furnisher to update the incomplete data. \nDate closed is incomplete. Please contact the furnisher to update the incomplete data. \nDate of First Delinquency is reported as XX/XX/XXXX but the Payment History for XX/XX/XXXX is reported as Paid on Time. One or both are inaccurate, please contact the data furnisher to update the inaccurate data. \nDelinquency First Reported is reported as XX/XX/XXXX but the Payment History has XX/XX/XXXX as the first 30 Days Past Due reported. One or both are inaccurate, please contact the data furnisher to update the inaccurate data. \nThe Date Reported is XX/XX/XXXX but the Payment History for XX/XX/XXXX is incomplete. Please contact the furnisher to update the incomplete data.\n\nHigh Credit is incomplete. Please contact the furnisher to update the incomplete data.","date_sent_to_company":"2025-05-21T13:58:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80304","tags":null,"has_narrative":true,"complaint_id":"13611898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-21T13:45:34.000Z","state":"CO","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Please contact the furnisher to update the <em>incomplete</em> data. \nDate of Last Payment is <em>incomplete</em>. Please contact the furnisher to update the <em>incomplete</em> data. \nDate of Last Activity is <em>incomplete</em>. Please contact the furnisher to update the <em>incomplete</em> data. \nAmount Past Due is <em>incomplete</em>. Please contact the furnisher to update the <em>incomplete</em> data. \nDate closed is <em>incomplete</em>. Please contact the furnisher to update the <em>incomplete</em> data."]},"sort":[7.4452167,"13611898"]},{"_index":"complaint-public-v1","_id":"8272914","_score":7.228967,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian keeps sending me the same email over and over refusing to address the misinformation on my credit report. The same email they keep sending me over and over saying the dispute is not from me yet, i have told them it's me, given them my personal information along with copies of my ID, Social and Proof of my address. I filed a complaint against them already for this same issues and their excuse was \" I didn't provide enough information for them to investigate. '' If that was the case why would they send me an email stating they don't believe the disputes were from me? \n\nThis is what I sent them : You are required by law to address my disputes and correct, complete, and verify them within 30 days, I am asking you again to please investigate following accounts that you are misreporting : XXXX XXXX XXXX : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the payment history is inaccurate and different on the other bureaus. \n\nXXXX XXXX XXXX  : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the payment status is inaccurate and different on the other bureaus, the last date reported is inaccurate and different on the other bureaus, the last date active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the payment history is inaccurate and different on the other bureaus. \n\nXXXX  XXXX : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the comments are inaccurate and different on the other bureaus. \n\nXXXX XXXX  : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the comment are inaccurate and different on the other bureaus, the date of last payment is incomplete. \n\nXXXX  : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the payment status is inaccurate and different on the other bureaus, the last date reported is inaccurate and different on the other bureaus, the last date active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the payment history is inaccurate and different on the other bureaus. \n\nXXXX XXXX  XXXX XXXX Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the comments are inaccurate and different on the other bureaus. \n\nXXXX XXXX XXXX  : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete. \n\nXXXX XXXX : Account number : XXXX, The account type is inaccurate and different on the other bureaus, the monthly payment is incomplete, the terms are incomplete, the credit limit is incomplete, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete. \n\nXXXX XXXX XXXX : Account number : XXXX, The account type is inaccurate and different on the other bureaus, the monthly payment is incomplete, the terms are inaccurate and different on the other bureaus, the credit limit is incomplete, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the payment history is inaccurate and different on the other bureaus. \n\nXXXX XXXX XXXX : Account number : XXXX, The account type is inaccurate and different on the other bureaus, the monthly payment is incomplete, the terms are inaccurate and different on the other bureaus, the credit limit is incomplete, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete, the payment history is inaccurate and different on the other bureaus. \n\nXXXX XXXX XXXX : Account number : XXXX, The account type is inaccurate and different on the other bureaus, the monthly payment is incomplete, the terms are incomplete, the credit limit is incomplete, the past due is incomplete, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete. \n\nNow tell me how that is not enough information for them to investigate the accounts. Experian refuses to process disputes, they continue to violate my rights, and they do not comply with the law. I have done a lot of research, most on the CFPB website, and don't understand how they are allowed to get away with this? Why doesn't the CFPB do anything about this? Experian is corrupt.","date_sent_to_company":"2024-02-02T22:20:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"756XX","tags":null,"has_narrative":true,"complaint_id":"8272914","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-02T22:06:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["XXXX XXXX : Account number : XXXX, The account type is inaccurate and different on the other bureaus, the monthly payment is <em>incomplete</em>, the terms are <em>incomplete</em>, the credit limit is <em>incomplete</em>, the past due is <em>incomplete</em>, the date last active is inaccurate and different on the other bureaus, the date of last payment is <em>incomplete</em>."]},"sort":[7.228967,"8272914"]},{"_index":"complaint-public-v1","_id":"6849669","_score":7.2123556,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I've dispute with Experian consumer reporting agency multiple times about inaccurate and incomplete information contained in my consumer report. They haven't been conducting a reasonable investigation because the items keep coming back verified but when I check my consumer report to see if the incompleteness and inaccuracies are fixed but they are not. The following information is still incomplete and inaccurate. \n\nAccount number XXXXthe account terms field is incomplete and can't be verified please delete the account. \n\nAccount number XXXXthe account terms field is incomplete and can't be verified please delete the account. \n\nAccount number XXXX the account terms field is incomplete and can't be verified please delete the account. \n\nAccount number XXXX the account terms field is incomplete and can't be verified please delete the account. \n\nAccount number XXXX the account terms field is incomplete and can't be verified please delete the account. \n\nAccount number XXXX the account terms field is incomplete and can't be verified please delete the account. \n\nAccount number XXXX the account terms field is incomplete and can't be verified please delete the account. \n\nAccount number XXXX the account terms field is incomplete and can't be verified please delete the account. \n\nAccount number XXXX the account terms field is incomplete and can't be verified please delete the account. \n\nXXXX XXXX XXXX XXXX account- the account terms field is incomplete and can't be verified please delete the account. \n\nAccount number XXXX the account terms field is incomplete and can't be verified please delete the account. \n\nAccount number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. \n\nAccount number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. \n\nAccount number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. \n\nAccount number XXXX the account status field is reporting inaccurately and can't be verified please delete the account. \n\nAccount number XXXX the monthly payment field is incomplete and can't be verified please delete the account. \n\nAccount number XXXX balance field and monthly payment field is incomplete and can't be verified please delete the account.","date_sent_to_company":"2023-04-17T14:59:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70570","tags":null,"has_narrative":true,"complaint_id":"6849669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-17T14:46:25.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Account number XXXXthe account terms field is <em>incomplete</em> and can't be verified please delete the account. \n\nAccount number XXXXthe account terms field is <em>incomplete</em> and can't be verified please delete the account. \n\nAccount number XXXX the account terms field is <em>incomplete</em> and can't be verified please delete the account. \n\nAccount number XXXX the account terms field is <em>incomplete</em> and can't be verified please delete the account."]},"sort":[7.2123556,"6849669"]},{"_index":"complaint-public-v1","_id":"10266735","_score":7.1184816,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have XXXX items on my credit report that are not reporting correctly. \n\nXXXX XXXX XXXX XXXX : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the payment status is inaccurate and different on the other bureaus, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete. \n\nXXXX XXXX XXXX XXXX XXXX Account number : XXXX, The credit limit is incomplete, the past due is incomplete, the date of last payment is incomplete. \n\nXXXX XXXX XXXX XXXX XXXX Account number : XXXX, The credit limit is incomplete, the past due is incomplete, the date of last payment is incomplete. \n\nI have asked Experian to correct this however, they keep sending me an email saying they refuse to investigate my \" Alleged '' Dispute that they believe it's not authorized or from me. I went online looking for help and the feedback I'm getting is that this is a stall tactic by Experian to avoid compliance with the XXXX XXXX. \n\nI am submitting this compliant in hopes that the CFPB will help me protect my consumer rights.","date_sent_to_company":"2024-09-27T19:39:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"764XX","tags":null,"has_narrative":true,"complaint_id":"10266735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-27T19:30:05.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is <em>incomplete</em>, the payment status is inaccurate and different on the other bureaus, the date last active is inaccurate and different on the other bureaus, the date of last payment is <em>incomplete</em>. \n\nXXXX XXXX XXXX XXXX XXXX Account number : XXXX, The credit limit is <em>incomplete</em>, the past due is <em>incomplete</em>, the date of last payment is <em>incomplete</em>."]},"sort":[7.1184816,"10266735"]},{"_index":"complaint-public-v1","_id":"4084748","_score":7.046221,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX, I sent a dispute notifying Experian that XXXX XXXX XXXX AND XXXX was reporting reporting inaccurate and incomplete information : Date of First delinquency is incomplete ( Missing ), Date Closed is incomplete ( Missing ), Date of last payment is incomplete ( Missing ) and the balance is incorrect. Experian failed to modify or delete the account. XX/XX/XXXX, after receiving Experian outcome I resent a letter for reinvestigation informing Experian that the account is still reporting incomplete and inaccurate information ; therefore, the account must be deleted. I received a recent report ( XXXX ) that not only still reports the account with all the inaccurate and incomplete information, but has added more inaccurate information to the report. Status field is inaccurate because it shows a Charged off ( written off ) amount of {$2800.00}, but a past due amount of {$1900.00}. If all that is owed or past due is {$1900.00} then now could {$2800.00} be written off if that is not what is owed. Now we have incomplete Date of First delinquency, incomplete date closed, incomplete date of last payment, inaccurate balance, and inaccurate status. Also, the recent investigation shows that the date opened is XX/XX/XXXX, but the date first reported is XX/XX/XXXX. How could that be. How could you report an account before it was ever opened? 1681i ( a ) ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation XXXX XXXX XXXX has CERTIFIED AND VERIFIED THIS INCOMPLETE AND INACCURATE REPORTING INFORMATION","date_sent_to_company":"2021-01-21T07:44:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91910","tags":null,"has_narrative":true,"complaint_id":"4084748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-01-21T07:15:22.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX, I sent a dispute notifying Experian that XXXX XXXX XXXX AND XXXX was reporting reporting inaccurate and <em>incomplete</em> information : Date of First delinquency is <em>incomplete</em> ( Missing ), Date Closed is <em>incomplete</em> ( Missing ), Date of last payment is <em>incomplete</em> ( Missing ) and the balance is incorrect. Experian failed to modify or delete the account."]},"sort":[7.046221,"4084748"]},{"_index":"complaint-public-v1","_id":"6137714","_score":6.9746695,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting XXXX XXXX XXXX XXXX XXXX XXXX No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting XXXX XXXX XXXX XXXX XXXX  - No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting XXXX XXXX XXXX XXXX XXXX XXXX No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting XXXX XXXX XXXX XXXX XXXX  - No creditor is reporting this is a violation of reporting please remove this inaccurate incomplete reporting","date_sent_to_company":"2022-10-27T15:17:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"6137714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-27T15:09:19.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["this is a violation of reporting please remove this inaccurate <em>incomplete</em> reporting XXXX XXXX XXXX XXXX XXXX  - No creditor is reporting this is a violation of reporting please remove this inaccurate <em>incomplete</em> reporting"]},"sort":[6.9746695,"6137714"]},{"_index":"complaint-public-v1","_id":"17031016","_score":6.9696016,"_source":{"product":"Debt collection","complaint_what_happened":"The following closed accounts are inaccurate, unverifiable, or obsolete and I request they be removed from my report. Please note that the 'Closed on \" dates reported in the system for some of these accounts appear unusual ( e.g., dates in the future or inconsistencies with the typical reporting period ).\n\nAccount Name Closed Date Reported Account Number ( if known, otherwise leave blank ) Reason for Dispute XXXX XXXX XXXX XX/XX/XXXX [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. \nXXXX XXXX XXXXXXXX XXXX, XXXX [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. \nXXXX XX/XX/XXXX [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. \nXXXX XX/XX/XXXX [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. \nXXXX XXXX XXXX XX/XX/XXXX [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. \nXXXX XXXX XXXX XX/XX/XXXX [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. \nXXXX XXXX XXXX XXXX XXXX XXXX  [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. \nXXXX XXXX XXXX XXXX XXXX XXXX Account Number ] Reporting is inaccurate, incomplete,","date_sent_to_company":"2025-11-06T00:23:32.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"90802","tags":null,"has_narrative":true,"complaint_id":"17031016","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-06T00:15:23.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XX/XX/XXXX [ Account Number ] Reporting is inaccurate, <em>incomplete</em>, or unverifiable. \nXXXX XXXX XXXX XX/XX/XXXX [ Account Number ] Reporting is inaccurate, <em>incomplete</em>, or unverifiable. \nXXXX XXXX XXXX XXXX XXXX XXXX  [ Account Number ] Reporting is inaccurate, <em>incomplete</em>, or unverifiable. \nXXXX XXXX XXXX XXXX XXXX XXXX Account Number ] Reporting is inaccurate, <em>incomplete</em>,"]},"sort":[6.9696016,"17031016"]},{"_index":"complaint-public-v1","_id":"6430137","_score":6.918914,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX XXXX. I am filing this complaint as a living man against your company that is causing harm to my finacial reputation. You claim to have verified this account however the account is incomplete which is a violation of the FCRA. Your company continues to report an account with incomplete and inaccurate information. The account has an abbreviation for the furnisher name as XXXX. This is incomplete information. That same account is reporting an incomplete account number of XXXX. Lastly the XXXX is reporting a date of last activity of XX/XX/XXXX and Transunion is reporting XX/XX/XXXX. Both of these can not be true. Your company is also reporting another account that you claim to have verified as XXXX. This name reporting is incomplete. That same account is reporting an incomplete account number of XXXX. Lastly this account has XXXX reporting a date of last activity of XX/XX/XXXX while Transunion is reporting a date last active of XX/XX/XXXX. Both of these can not be true and my consumer report be accurate. You must verify or delete this incomplete and inactivate information. This is my last correspondence before I send you an invoice for the damage caused to me. I will seek legal remedy if you fail to comply.","date_sent_to_company":"2023-01-13T03:48:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30341","tags":null,"has_narrative":true,"complaint_id":"6430137","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-13T03:48:12.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["You claim to have verified this account however the account is <em>incomplete</em> which is a violation of the FCRA. Your company continues to report an account with <em>incomplete</em> and inaccurate information. The account has an abbreviation for the furnisher name as XXXX. This is <em>incomplete</em> information. That same account is reporting an <em>incomplete</em> account number of XXXX. Lastly the XXXX is reporting a date of last activity of XX/XX/XXXX and Transunion is reporting XX/XX/XXXX. Both of these can not be true."]},"sort":[6.918914,"6430137"]},{"_index":"complaint-public-v1","_id":"10443502","_score":6.9088173,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute inaccurate and incomplete information on my credit report as required by the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I have identified numerous inaccuracies and items that do not belong to me. I request that these items be investigated and either corrected or removed promptly, as required under Section XXXX of the FCRA. \n\nUnder the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, per XXXX XXXX XXXX, information providers are prohibited from furnishing data to consumer reporting agencies that they know, or have reasonable cause to believe, is inaccurate. I am, therefore, disputing the following accounts as they are either incomplete, inaccurate, or not mine : # # # Accounts in Dispute : XXXX XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX  XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\n# # # Accounts Not Belonging to Me : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX  - Account Number : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX  - Account Number : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account Numbers : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX These accounts are not mine. Please remove them from my report. \n\nPlease promptly investigate these inaccuracies and provide me with a written response detailing the results of your investigation. I also request that you send me an updated copy of my credit report once these items have been corrected or removed. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-10-14T21:17:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21117","tags":"Servicemember","has_narrative":true,"complaint_id":"10443502","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-14T21:17:44.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX  - Account Number : XXXX - These accounts are <em>incomplete</em> and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX  - Account Number : XXXX - These accounts are <em>incomplete</em> and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account XXXX : XXXX - These accounts are <em>incomplete</em> and inaccurate. Please investigate and correct as necessary. \n\nXXXX - Account XXXX : XXXX - These accounts are <em>incomplete</em> and inaccurate."]},"sort":[6.9088173,"10443502"]},{"_index":"complaint-public-v1","_id":"6430283","_score":6.9069586,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX XXXX. I am filing this complaint as a living man against your company that is causing harm to my finacial reputation. You claim to have verified this account however the account is incomplete which is a violation of the FCRA. Your company continues to report an account with incomplete and inaccurate information. The account has an abbreviation for the furnisher name as XXXX. This is incomplete information. That same account is reporting an incomplete account number of XXXX. Lastly the EXPERIAN is reporting a date of last activity of XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Both of these can not be true. Your company is also reporting another account that you claim to have verified as XXXX. This name reporting is incomplete. That same account is reporting an incomplete account number of XXXX. Lastly this account has EXPERIAN reporting a date of last activity of XX/XX/XXXX while XXXX is reporting a date last active of XX/XX/XXXX. Both of these can not be true and my consumer report be accurate. You must verify or delete this incomplete and inactivate information. This is my last correspondence before I send you an invoice for the damage caused to me. I will seek legal remedy if you fail to comply.","date_sent_to_company":"2023-01-13T03:48:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30341","tags":null,"has_narrative":true,"complaint_id":"6430283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-13T03:25:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["You claim to have verified this account however the account is <em>incomplete</em> which is a violation of the FCRA. Your company continues to report an account with <em>incomplete</em> and inaccurate information. The account has an abbreviation for the furnisher name as XXXX. This is <em>incomplete</em> information. That same account is reporting an <em>incomplete</em> account number of XXXX. Lastly the EXPERIAN is reporting a date of last activity of XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Both of these can not be true."]},"sort":[6.9069586,"6430283"]},{"_index":"complaint-public-v1","_id":"10447679","_score":6.905227,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute inaccurate and incomplete information on my credit report as required by the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I have identified numerous inaccuracies and items that do not belong to me. I request that these items be investigated and either corrected or removed promptly, as required under Section 611 of the FCRA. \n\nUnder the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, per XXXX XXXX XXXX, information providers are prohibited from furnishing data to consumer reporting agencies that they know, or have reasonable cause to believe, is inaccurate. I am, therefore, disputing the following accounts as they are either incomplete, inaccurate, or not mine : # # # Accounts in Dispute : XXXX XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXXXXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\n# # # Accounts Not XXXX to XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX  - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Number : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX  - Account Number : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX  - Account Numbers : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX are not mine. Please remove them from my report. \n\nPlease promptly investigate these inaccuracies and provide me with a written response detailing the results of your investigation. I also request that you send me an updated copy of my credit report once these items have been corrected or removed. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-10-14T21:17:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21117","tags":"Servicemember","has_narrative":true,"complaint_id":"10447679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-14T21:17:44.000Z","state":"MD","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 Account Number : XXXX - These accounts are <em>incomplete</em> and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX  - Account Number : XXXX - These accounts are <em>incomplete</em> and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX - Account XXXX : XXXX - These accounts are <em>incomplete</em> and inaccurate. Please investigate and correct as necessary. \n\nXXXX - Account XXXX : XXXX - These accounts are <em>incomplete</em> and inaccurate."]},"sort":[6.905227,"10447679"]},{"_index":"complaint-public-v1","_id":"5305650","_score":6.9003925,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian is reporting inaccurate, incomplete, and/or inaccurate and incomplete information in consumer reports concerning me that you have compiles and published to third parties. The following Tradelines item is inaccurate, incomplete, and/or inaccurate and incomplete because its currently reporting as a collection when it was charged off since XX/XX/2017 : XXXX XXXX XXXX XXXX Account number XXXX The inaccurate, incomplete, and/ or inaccurate and incomplete that you are reporting concerning me is harming me personally, emotionally and financially, and causing me damage. I request that you promptly delete the above- listed account and send me an updated copy of my credit report within 30 days of your receipt of this letter. I am aware that I have rights under the FCRA and request that you fully comply with the law in my request. Should you fail to make the requested deletion, I request that you provide me with the name and the address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.","date_sent_to_company":"2022-03-09T10:19:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"5305650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-09T10:11:23.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Experian is reporting inaccurate, <em>incomplete</em>, and/or inaccurate and <em>incomplete</em> information in consumer reports concerning me that you have compiles and published to third parties."]},"sort":[6.9003925,"5305650"]},{"_index":"complaint-public-v1","_id":"10447791","_score":6.896306,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute inaccurate and incomplete information on my credit report as required by the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XXXX XXXX XXXX I have identified numerous inaccuracies and items that do not belong to me. I request that these items be investigated and either corrected or removed promptly, as required under Section 611 of the FCRA.\n\nUnder the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, per 15 USC 1681s-2, information providers are prohibited from furnishing data to consumer reporting agencies that they know, or have reasonable cause to believe, is inaccurate. I am, therefore, disputing the following accounts as they are either incomplete, inaccurate, or not mine : XXXX XXXX XXXX Accounts in Dispute XXXX XXXX XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX XXXX  These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX  - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX  - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Accounts Not Belonging to Me : XXXX XXXX Account Numbers XXXX XXXX XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX Account Numbers XXXX XXXX XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Number XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Number XXXX XXXX XXXX These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Number XXXX XXXX  - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX Account Number XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Numbers XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Number XXXX XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine. Please remove them from my report. \n\nPlease promptly investigate these inaccuracies and provide me with a written response detailing the results of your investigation. I also request that you send me an updated copy of my credit report once these items have been corrected or removed. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-10-14T21:17:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21117","tags":"Servicemember","has_narrative":true,"complaint_id":"10447791","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-14T19:41:32.000Z","state":"MD","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 Account Number XXXX XXXX - These accounts are <em>incomplete</em> and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Number XXXX XXXX XXXX These accounts are <em>incomplete</em> and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX XXXX Account Number XXXX XXXX  - These accounts are <em>incomplete</em> and inaccurate. Please investigate and correct as necessary. \n\nXXXX XXXX Account Number XXXX XXXX - These accounts are <em>incomplete</em> and inaccurate."]},"sort":[6.896306,"10447791"]},{"_index":"complaint-public-v1","_id":"1921749","_score":6.8738327,"_source":{"product":"Credit reporting","complaint_what_happened":"I disputed inaccurate and incomplete information reported on my Equifax report concerning XXXX accounts XXXX and XXXX. I asked for specific items in my credit report. The letter is attached. Equifax then responded with confirmation XXXX. Several items are missing and incomplete such as Last Payment amount missing and incomplete, Date of Last Activity, Date Closed missing and incomplete, date open is not accurate, unless they can provide proof. As per FCRA all information must be complete and accurate or deleted. The XXXX XXXX accounts should be deleted immediately.","date_sent_to_company":"2016-05-12T11:58:16.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"08854","tags":null,"has_narrative":true,"complaint_id":"1921749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-05-12T11:58:15.000Z","state":"NJ","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I disputed inaccurate and <em>incomplete</em> information reported on my Equifax report concerning XXXX accounts XXXX and XXXX. I asked for specific items in my credit report. The letter is attached. Equifax then responded with confirmation XXXX. Several items are missing and <em>incomplete</em> such as Last Payment amount missing and <em>incomplete</em>, Date of Last Activity, Date Closed missing and <em>incomplete</em>, date open is not accurate, unless they can provide proof."]},"sort":[6.8738327,"1921749"]},{"_index":"complaint-public-v1","_id":"7259810","_score":6.8548813,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After filing my dispute with Experian verifying this account was accurate and complete, I found several inconsistency reporting on this account : XXXX XXXX Acct. # XXXX. It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information. \n\nXX/XX/XXXX has ok but in Actual Amount paid. XX/XX/XXXX has ok but incomplete data in Actual Amount Paid. Fix or remove it. XX/XX/XXXX has ok but incomplete data in Actual Amount Paid show no data. Fix it or delete it. XX/XX/XXXX has incomplete or missing data information but payment history has OK. \n\nExperian had an opportunity to correct the my consumer report after conducting their investigation but choose to keep these inaccurate and incomplete information on my consumer report, so please delete it from consumer report. If you can't fix all inaccurate and incomplete information you must delete this account.","date_sent_to_company":"2023-07-16T18:59:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"403XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7259810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-16T18:45:12.000Z","state":"KY","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":["Below are a list and pictures of inaccurate and <em>incomplete</em> information. \n\nXX/XX/XXXX has ok but in Actual Amount paid. XX/XX/XXXX has ok but <em>incomplete</em> data in Actual Amount Paid. Fix or remove it. XX/XX/XXXX has ok but <em>incomplete</em> data in Actual Amount Paid show no data. Fix it or delete it. XX/XX/XXXX has <em>incomplete</em> or missing data information but payment history has OK."]},"sort":[6.8548813,"7259810"]},{"_index":"complaint-public-v1","_id":"6194377","_score":6.8548813,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX. I disputed XXXX Account. XXXX is reporting inaccurate, and incomplete information. The account was opened on XX/XX/XXXX. XXXX didn't report my payment history until XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. \n\nOn XXXX I disputed the XXXX account with Equifax for reporting incomplete, and inaccurate information regarding this account. The account was opened on XX/XX/XXXX, and Equifax didn't report my payment history until XXXX have received no response from Equifax regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. \n\nOn XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information on my credit report. The account was opened on XX/XX/XXXX, and XXXX has my payment history starting XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights.","date_sent_to_company":"2022-11-12T21:07:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29605","tags":null,"has_narrative":true,"complaint_id":"6194377","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-11-12T20:38:31.000Z","state":"SC","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX is reporting inaccurate, and <em>incomplete</em> information. The account was opened on XX/XX/XXXX. XXXX didn't report my payment history until XX/XX/XXXX. I have received no response from XXXX regarding this <em>incomplete</em> and inaccurate information it's been over 30 days, which is a violation of my rights. \n\nOn XXXX I disputed the XXXX account with Equifax for reporting <em>incomplete</em>, and inaccurate information regarding this account."]},"sort":[6.8548813,"6194377"]},{"_index":"complaint-public-v1","_id":"6193049","_score":6.8548813,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX. I disputed XXXX Account. Transunion is reporting inaccurate, and incomplete information. The account was opened on XX/XX/XXXX. Transunion didn't report my payment history until XX/XX/XXXX. I have received no response from Transunion regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. \n\nOn XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information regarding this account. The account was opened on XX/XX/XXXX, and XXXX didn't report my payment history until XXXX have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. \n\nOn XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information on my credit report. The account was opened on XX/XX/XXXX, and XXXX has my payment history starting XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights.","date_sent_to_company":"2022-11-12T21:07:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29605","tags":null,"has_narrative":true,"complaint_id":"6193049","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-11-12T21:07:30.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Transunion is reporting inaccurate, and <em>incomplete</em> information. The account was opened on XX/XX/XXXX. Transunion didn't report my payment history until XX/XX/XXXX. I have received no response from Transunion regarding this <em>incomplete</em> and inaccurate information it's been over 30 days, which is a violation of my rights. \n\nOn XXXX I disputed the XXXX account with XXXX for reporting <em>incomplete</em>, and inaccurate information regarding this account."]},"sort":[6.8548813,"6193049"]},{"_index":"complaint-public-v1","_id":"3542960","_score":6.8528314,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I sent a dispute to Experian regarding an account with XXXX XXXX XXXX that was reporting inaccurately on my credit file. The account was opened on XX/XX/XXXX, but Experian does not show any payment history from XX/XX/XXXX to XX/XX/XXXX. Thus, 10 months of payment history are missing and the account is incomplete. I sent Experian proof that the reporting is incomplete with my dispute. \n\nOn XX/XX/XXXX, Experian responded by saying the account was updated. However, the payment history I disputed as incomplete did not change and was still missing 10 months of payments. Even if XXXX XXXX XXXX verified the incomplete information, Experian did not conduct their own investigation into my dispute. The FCRA requires Experian to delete incomplete information that is not corrected, but Experian did not do so.","date_sent_to_company":"2020-02-24T23:46:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78749","tags":null,"has_narrative":true,"complaint_id":"3542960","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-02-24T23:36:31.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Thus, 10 months of payment history are missing and the account is <em>incomplete</em>. I sent Experian proof that the reporting is <em>incomplete</em> with my dispute. \n\nOn XX/XX/XXXX, Experian responded by saying the account was updated. However, the payment history I disputed as <em>incomplete</em> did not change and was still missing 10 months of payments. Even if XXXX XXXX XXXX verified the <em>incomplete</em> information, Experian did not conduct their own investigation into my dispute."]},"sort":[6.8528314,"3542960"]},{"_index":"complaint-public-v1","_id":"6005245","_score":6.849678,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I informed Experian on XX/XX/2022 that as a result of the dispute with XXXX, I received a letter dated XX/XX/2022 stating that their investigation into them reporting inaccurate and incomplete on my credit report was non-conclusive ( See Attachment A ). Non-Conclusive meaning incomplete and based 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] it states that any account found to incomplete and whose accuracy or incompleteness can no longer be verified or any notation as to disputed information the account must be deleted.","date_sent_to_company":"2022-09-21T21:32:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32828","tags":null,"has_narrative":true,"complaint_id":"6005245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-21T21:28:00.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] it states that any account found to <em>incomplete</em> and whose accuracy or <em>incompleteness</em> can no longer be verified or any notation as to disputed information the account must be deleted."]},"sort":[6.849678,"6005245"]},{"_index":"complaint-public-v1","_id":"6194267","_score":6.8478346,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX. I disputed XXXX Account. XXXX is reporting inaccurate, and incomplete information. The account was opened on XX/XX/XXXX. XXXX didn't report my payment history until XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. \n\nOn XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information regarding this account. The account was opened on XX/XX/XXXX, and XXXX didn't report my payment history until XXXX have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. \n\nOn XXXX I disputed the XXXX account with Experian for reporting incomplete, and inaccurate information on my credit report. The account was opened on XX/XX/XXXX, and Experian has my payment history starting XX/XX/XXXX. I have received no response from Experian regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights.","date_sent_to_company":"2022-11-12T21:07:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29605","tags":null,"has_narrative":true,"complaint_id":"6194267","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-12T21:07:30.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX is reporting inaccurate, and <em>incomplete</em> information. The account was opened on XX/XX/XXXX. XXXX didn't report my payment history until XX/XX/XXXX. I have received no response from XXXX regarding this <em>incomplete</em> and inaccurate information it's been over 30 days, which is a violation of my rights. \n\nOn XXXX I disputed the XXXX account with XXXX for reporting <em>incomplete</em>, and inaccurate information regarding this account."]},"sort":[6.8478346,"6194267"]},{"_index":"complaint-public-v1","_id":"6466500","_score":6.8454885,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"EXPERIAN did not respond to my last dispute adequately. The account on my consumer report for XXXX XXXX XXXX XXXX is incomplete. Incomplete account information must be updated or deleted. The account number is displaying partially. Update this to the full account number or delete this account containing incomplete information. This could lead to identity theft.","date_sent_to_company":"2023-01-21T15:19:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30341","tags":null,"has_narrative":true,"complaint_id":"6466500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-21T15:14:57.000Z","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":["The account on my consumer report for XXXX XXXX XXXX XXXX is <em>incomplete</em>. <em>Incomplete</em> account information must be updated or deleted. The account number is displaying partially. Update this to the full account number or delete this account containing <em>incomplete</em> information. This could lead to identity theft."]},"sort":[6.8454885,"6466500"]},{"_index":"complaint-public-v1","_id":"7004887","_score":6.8290105,"_source":{"product":"Debt collection","complaint_what_happened":"Upon validation, Netcredit updated it's information with XXXX, proving the data in their computer system has been unreliable, inaccurate, and incomplete for years. The very fact, they had to update with XXXX proves their data unreliable, incomplete and inaccurate. According to the Fair Debt Collections act, items either incomplete or inaccurate may not remain on a credit report.","date_sent_to_company":"2023-05-20T11:51:09.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"28602","tags":"Servicemember","has_narrative":true,"complaint_id":"7004887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2023-05-20T11:38:57.000Z","state":"NC","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Upon validation, Netcredit updated it's information with XXXX, proving the data in their computer system has been unreliable, inaccurate, and <em>incomplete</em> for years. The very fact, they had to update with XXXX proves their data unreliable, <em>incomplete</em> and inaccurate. According to the Fair Debt Collections act, items either <em>incomplete</em> or inaccurate may not remain on a credit report."]},"sort":[6.8290105,"7004887"]},{"_index":"complaint-public-v1","_id":"7517064","_score":6.828014,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"First and foremost, I have observed incomplete account numbers listed on my credit reports. These incomplete numbers have made it difficult for me to identify and verify the accounts in question. I kindly request that you review and update the account numbers to ensure they are accurate and complete. \n\nFurthermore, I have noticed discrepancies in the aggregation and organization of the information between the three credit bureaus. The way my credit history is presented differs significantly among the reports, causing confusion and uncertainty about the accuracy of the data. It is imperative that the information across all three reports is consistent and organized in a clear and coherent manner.\n\nIn addition to these issues, I have identified instances of inaccurate reporting in my credit history. Certain accounts contain errors, such as incorrect balances and payment histories, which have adversely affected my credit score. I respectfully request that you conduct a thorough investigation into these inaccuracies and rectify them promptly.\n\nMoreover, I have not received adverse action notices in cases where my credit applications were denied. The Fair Credit Reporting Act ( FCRA ) mandates that consumers be provided with these notices, and their absence has raised concerns about my rights under this legislation.\n\nLastly, I have previously submitted disputes to your agency regarding inaccuracies in my credit report, but I have not received timely responses or resolutions to these disputes. I kindly request that you prioritize the investigation and resolution of these disputes as required by the FCRA. Here is a list of the inaccurate accounts that are also highlighted on my evidence that is uploaded. \n\nXXXX. My address which is XXXX XXXX XXXX, XXXX, FL XXXX XXXX. Summary ; Delinquent, derogatory, Payments, and inquiries XXXX. XXXX ; incomplete account number, last verified, Date of last activity, date reported, date opened, closed date, account rating, and creditor remarks XXXX. XXXX XXXX ; incomplete account number, last verified, date of last activity, date opened, closed date, creditor remarks, payment frequency XXXX. XXXX XXXX XXXX ; incomplete account number, incomplete account number, last verified, date of last activity, date opened, closed date, creditor remarks, and account type XXXX. XXXX  XXXX XXXX ; incomplete account number, last verified, date of last activity, date opened, closed date, creditor remarks, payment status, XXXX. XXXX XXXX ; incomplete account number, Balance owed, collections XXXX. XXXX XXXX ; incomplete account number, High Balance, date of last activity, date reported, creditor type, and last payment XXXX. XXXX XXXX XXXX ; incomplete account number, balance owed, and collection, unpaid balance reported as a loss by the credit grantor XXXX. XXXX XXXX  XXXX ; incomplete account number, balance owed, and collection, unpaid balance reported as a loss by the credit grantor XXXX. XXXX XXXX XXXX ; incomplete account number, Last verified, date of last activity XXXX. XXXX XXXX XXXX XXXX ; incomplete account number, Last verified, Date of Last Activity, Date reported, Date opened, Closed Date, Last Payment, Term length, Account Type XXXX XXXX XXXX  ; incomplete account number, opened XX/XX/2022, this has been disputed XXXX. XXXX XXXX  ; incomplete account number, balance owed, creditor remarks, account type","date_sent_to_company":"2023-09-07T20:10:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23324","tags":null,"has_narrative":true,"complaint_id":"7517064","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-07T20:10:08.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX  ; <em>incomplete</em> account number, balance owed, creditor remarks, account type"]},"sort":[6.828014,"7517064"]},{"_index":"complaint-public-v1","_id":"10519985","_score":6.8267207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax Information Services LLC due to their continued reporting of inaccurate and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to correct these issues, Equifax has failed to take the necessary steps to resolve them. I request your assistance in ensuring compliance with the FCRA. \n\nBelow are the items I am disputing : Personal Information to Remove : Incorrect name : XXXX XXXX This is not my legal name, and I request its removal from my credit report. \n\nAccounts Reporting Inaccurate or Incomplete Information : XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. Under the FCRA, I request an investigation, and if the account can not be fully verified, it should be removed. \n\nXXXX XXXX  XXXX Account # XXXX The information related to this account is inaccurate. Please investigate, and if the account can not be verified, remove it as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account XXXX XXXX This account is reporting incomplete and inaccurate information. Under the FCRA, I request that it be investigated, and if not verifiable, it must be removed. \n\nXXXX XXXX XXXX Account # XXXX The details on this account are incorrect. Please investigate, and if the account can not be verified, it should be removed in compliance with the FCRA. \n\nXXXX XXXX  XXXX XXXX Account XXXX XXXX The information on this account is incomplete and inaccurate. Please investigate, and if it can not be verified, I request its removal. \n\nXXXX XXXX Account # XXXX This account contains inaccurate and incomplete details. Under the FCRA, I request an investigation, and if the account can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX XXXX, XXXX Account # XXXX The information on this account is inaccurate and incomplete. Please investigate, and if the account can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX Account # XXXX The account is reporting incomplete and inaccurate information. If the details can not be verified, I request that it be removed under the FCRA. \n\nXXXX XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. If the information can not be verified, it must be removed. \n\nXXXX XXXX XXXX Account # XXXX This account is incomplete and inaccurate. Under the FCRA, I request an investigation, and if the information can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX Account # XXXX The information on this account is incomplete and inaccurate. If the details can not be verified, I request that it be removed as per the FCRA. \n\nXXXX XXXX XXXX Account # XXXX The account contains inaccurate and incomplete information. Please investigate, and if the account can not be verified, remove it under the FCRA. \n\nXXXX XXXX XXXX Account # XXXX The details on this account are inaccurate. If the information can not be verified, I request that it be removed from my credit report.","date_sent_to_company":"2024-10-21T19:20:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33166","tags":"Servicemember","has_narrative":true,"complaint_id":"10519985","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-21T19:05:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX Account # XXXX This account contains inaccurate and <em>incomplete</em> information. If the information can not be verified, it must be removed. \n\nXXXX XXXX XXXX Account # XXXX This account is <em>incomplete</em> and inaccurate. Under the FCRA, I request an investigation, and if the information can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX Account # XXXX The information on this account is <em>incomplete</em> and inaccurate."]},"sort":[6.8267207,"10519985"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":99087,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":99087}]}},"product":{"doc_count":99087,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":70161,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":69638},{"key":"Other personal consumer report","doc_count":523}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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