{"took":149,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5476,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14202404","_score":14.590384,"_source":{"product":"Debt collection","complaint_what_happened":"This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against CENTRAL PORTFOLIO CONTRO for their continued failure to address this matter appropriately.\n\nAccount in Question : Creditor : CENTRAL PORTFOLIO CONTRO Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. \n\nDespite several attempts to resolve this matter directly with This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against CENTRAL PORTFOLIO CONTRO for their continued failure to address this matter appropriately.","date_sent_to_company":"2025-06-20T10:01:40.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77044","tags":null,"has_narrative":true,"complaint_id":"14202404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Central Portfolio Control Inc.","date_received":"2025-06-20T08:19:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["This letter serves as a follow-up to my previous complaint <em>submitted</em> last month regarding a fraudulent account that has been <em>incorrectly</em> reported on my credit file. I am reaching out once again to <em>formally</em> request your assistance in filing a complaint <em>against</em> CENTRAL PORTFOLIO CONTRO for their continued failure to address this matter appropriately."]},"sort":[14.590384,"14202404"]},{"_index":"complaint-public-v1","_id":"11908903","_score":13.940246,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope all is well, I am filing this formal complaint against Experian Information Solutions , Inc. for its failure to remove unverifiable and inaccurate personal information from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531. Upon reviewing my credit report, I discovered that Experian continues to report inaccurate and unverifiable personal information despite my repeated disputes. This incorrect data includes : Incorrect Addresses and Misspelled, Incorrect Name Variation I submitted a formal dispute to Experian requesting the removal of this information, yet they have failed to take corrective action. This failure to act harms my creditworthiness, increases my risk of identity theft, and violates multiple provisions of the FCRA. I dont know what else to do. Ive already been sued because I did not get the proper paperwork in time for a court case that could have been avoided due to incorrect information being reported about me.","date_sent_to_company":"2025-02-03T23:01:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"11908903","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-03T21:59:40.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["This <em>incorrect</em> data includes : <em>Incorrect</em> Addresses and Misspelled, <em>Incorrect</em> Name Variation I <em>submitted</em> a <em>formal</em> dispute to Experian requesting the removal of this <em>information</em>, yet they have failed to take corrective action. This failure to act harms my creditworthiness, increases my risk of identity theft, and violates multiple provisions of the FCRA. I dont know what else to do."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Personal <em>information</em> <em>incorrect</em>"]},"sort":[13.940246,"11908903"]},{"_index":"complaint-public-v1","_id":"14226973","_score":13.838212,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding Inaccurate Information Reporting and Lack of Resolution Description of Issue : I am writing to formally submit a complaint against Lexis Nexis regarding inaccuracies in my credit report, specifically with the information provided to a third-party reporting agencyXXXX XXXX XXXX XXXX  and XXXX. Despite submitting multiple disputes and complaints regarding the erroneous information, the company has failed to resolve the issue or delete the inaccurate entries. \n\nDetails of the Incident : Date of Dispute Submission : XX/XX/year> Date of Company Response : XX/XX/year> Nature of Discrepancy : The incorrect reporting includes Names, Numbers, dispute, e.g., an incorrect address, account status, or payment history. \n\nAction Taken : I have contacted the company and submitted supporting documentation to prove the inaccuracies. Additionally, I have reached out to Lexis Nexis on XX/XX/year>, requesting the deletion of the incorrect entries. \n\nDespite these efforts, the company has failed to delete or correct the inaccuracies in my report. The incorrect information continues to be reported, which is having a detrimental effect on my credit score and financial standing. \n\nRequested Resolution : I am requesting that Lexis Nexis take immediate corrective action, including : Correcting or removing the inaccurate information from my credit report. \n\nProviding a formal response detailing the steps taken to resolve the issue. \n\nEnsuring that any future reporting is accurate and compliant with all applicable consumer protection laws. \n\nAdditionally, if the issue is not resolved promptly, I will consider pursuing further action, including reporting this matter to the appropriate regulatory authorities. \n\nThank you for your attention to this matter. I look forward to a prompt resolution.","date_sent_to_company":"2025-06-21T19:04:37.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"14226973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-06-21T18:35:57.000Z","state":"OH","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Subject : Complaint Regarding Inaccurate <em>Information</em> Reporting and Lack of Resolution Description of Issue : I am writing to <em>formally</em> <em>submit</em> a complaint <em>against</em> Lexis Nexis regarding inaccuracies in my credit report, specifically with the <em>information</em> provided to a third-party reporting agencyXXXX XXXX XXXX XXXX  and XXXX. Despite <em>submitting</em> multiple disputes and complaints regarding the erroneous <em>information</em>, the company has failed to resolve the issue or delete the inaccurate entries."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"sub_issue":["Personal <em>information</em> <em>incorrect</em>"]},"sort":[13.838212,"14226973"]},{"_index":"complaint-public-v1","_id":"12096725","_score":13.822757,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion due to their unauthorized collection, storage, and dissemination of my personal information without my explicit consent. I have recently reviewed my consumer report and identified inaccuracies that adversely affect my financial standing. As this is my first official communication regarding this matter, I am submitting this complaint through the CFPB as a formal notice of dispute. \n\nTransUnion I am filing this complaint against TransUnion due to their unauthorized collection, storage, and dissemination of my personal information without my explicit consent. I have recently reviewed my consumer report and identified inaccuracies that adversely affect my financial standing. As this is my first official communication regarding this matter, I am submitting this complaint through the CFPB as a formal notice of dispute. \n\nTransUnion has failed to ensure the accuracy of my consumer report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand immediate investigation and removal of any incorrect, misleading, or unauthorized information from my file. \n\nAdditionally, I will be mailing a physical copy of my formal affidavit and adhesion contract to TransUnion executives detailing these violations. I request a prompt response acknowledging receipt and outlining the corrective actions to be taken. If no resolution is provided, I will escalate this matter accordingly. has failed to ensure the accuracy of my consumer report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand immediate investigation and removal of any incorrect, misleading, or unauthorized information from my file. \n\nAdditionally, I will be mailing a physical copy of my formal affidavit and adhesion contract to TransUnion executives detailing these violations. I request a prompt response acknowledging receipt and outlining the corrective actions to be taken. If no resolution is provided, I will escalate this matter accordingly.","date_sent_to_company":"2025-02-24T19:20:13.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"10462","tags":null,"has_narrative":true,"complaint_id":"12096725","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-17T00:12:40.000Z","state":"NY","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":["I am filing this complaint <em>against</em> TransUnion due to their unauthorized collection, storage, and dissemination of my personal <em>information</em> without my explicit consent. I have recently reviewed my consumer report and identified inaccuracies that adversely affect my financial standing. As this is my first official communication regarding this matter, I am <em>submitting</em> this complaint through the CFPB as a <em>formal</em> notice of dispute."]},"sort":[13.822757,"12096725"]},{"_index":"complaint-public-v1","_id":"10320029","_score":13.803393,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Volkswagen XXXX XXXX for providing inaccurate information to credit reporting agencies, which has negatively impacted my credit score. \n\nOn [ XX/XX/XXXX ], Volkswagen XXXX XXXX reported that I had XXXX late payments on my account ( Account Number : [ XXXX ] ), which is incorrect. I have always made timely payments through their auto-payment system. Volkswagen has admitted their mistake in a letter dated [ XX/XX/XXXX of VWs letter ], confirming that I have never missed a payment. \n\nDespite this admission, the incorrect information remains on my credit report, and Volkswagen has not taken sufficient steps to correct it with the relevant credit reporting agencies. \n\nI have contacted Volkswagen directly and submitted a formal dispute with the credit reporting agencies, but the issue persists. I am requesting the CFPB 's assistance in ensuring that Volkswagen rectifies the incorrect reporting and that my credit report is corrected promptly.","date_sent_to_company":"2024-10-07T15:25:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10320029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VW Credit","date_received":"2024-10-02T22:07:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to file a <em>formal</em> complaint <em>against</em> Volkswagen XXXX XXXX for providing inaccurate <em>information</em> to credit reporting agencies, which has negatively impacted my credit score. \n\nOn [ XX/XX/XXXX ], Volkswagen XXXX XXXX reported that I had XXXX late payments on my account ( Account Number : [ XXXX ] ), which is <em>incorrect</em>. I have always made timely payments through their auto-payment system."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[13.803393,"10320029"]},{"_index":"complaint-public-v1","_id":"11575066","_score":13.789941,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian for failing to remove inaccurate information from my credit report despite multiple disputes and the recent lawsuit filed against Experian by the CFPB, which highlights similar failures by the credit bureau in properly investigating consumer disputes. \n\nComplaint Details : Inaccurate Reporting : Certain files on my Experian credit report have not been removed despite my formal disputes, and these files are either incorrect or outdated. The inaccurate information includes [ briefly describe the incorrect files, such as charged-off accounts, collection accounts, etc. ]. These accounts should no longer be listed due to [ provide specific reason, such as settled debt, expired reporting period, or incorrect debt ]. \nFailure to Investigate and Correct : I have disputed these inaccuracies with Experian multiple times, but they have failed to remove the incorrect entries or provide adequate evidence that justifies the continued reporting of these items. As required by the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to conduct a reasonable investigation into disputed items and ensure that all information reported is accurate. Experian has not complied with this duty. \nNon-compliance with CFPB Lawsuit : I am aware of the CFPBs lawsuit against Experian for similar issues involving failure to properly investigate and remove inaccurate information. Given the nature of this legal action, I believe that Experians practices in my case reflect broader non-compliance with consumer protection laws. \n\nI trust that the CFPB will take swift action to resolve this matter. Please keep me informed of any developments regarding this complaint. \n\nThank you for your attention to this issue.","date_sent_to_company":"2025-01-16T22:51:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90015","tags":null,"has_narrative":true,"complaint_id":"11575066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T22:46:26.000Z","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":["Dear Consumer Financial Protection Bureau, I am <em>submitting</em> this <em>formal</em> complaint <em>against</em> Experian for failing to remove inaccurate <em>information</em> from my credit report despite multiple disputes and the recent lawsuit filed <em>against</em> Experian by the CFPB, which highlights similar failures by the credit bureau in properly investigating consumer disputes."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.789941,"11575066"]},{"_index":"complaint-public-v1","_id":"15354238","_score":13.638262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Experian, Equifax, and TransUnion for reporting false and inaccurate information on my credit file. The information being reported does not belong to me and/or is incorrect, yet the credit bureaus have continued to report it despite my disputes. This false reporting has negatively impacted my creditworthiness, financial opportunities, and peace of mind. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), including submitting disputes and requests for reinvestigation. However, the credit bureaus have failed to comply in a timely manner.","date_sent_to_company":"2025-08-18T03:46:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38114","tags":null,"has_narrative":true,"complaint_id":"15354238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-18T03:29:37.000Z","state":"TN","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":["I am filing a <em>formal</em> complaint <em>against</em> Experian, Equifax, and TransUnion for reporting false and inaccurate <em>information</em> on my credit file. The <em>information</em> being reported does not belong to me and/or is <em>incorrect</em>, yet the credit bureaus have continued to report it despite my disputes. This false reporting has negatively impacted my creditworthiness, financial opportunities, and peace of mind."]},"sort":[13.638262,"15354238"]},{"_index":"complaint-public-v1","_id":"15354005","_score":13.638262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Experian, Equifax, and TransUnion for reporting false and inaccurate information on my credit file. The information being reported does not belong to me and/or is incorrect, yet the credit bureaus have continued to report it despite my disputes. This false reporting has negatively impacted my creditworthiness, financial opportunities, and peace of mind. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), including submitting disputes and requests for reinvestigation. However, the credit bureaus have failed to comply in a timely manner.","date_sent_to_company":"2025-08-18T03:46:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38114","tags":null,"has_narrative":true,"complaint_id":"15354005","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-18T03:46:18.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing a <em>formal</em> complaint <em>against</em> Experian, Equifax, and TransUnion for reporting false and inaccurate <em>information</em> on my credit file. The <em>information</em> being reported does not belong to me and/or is <em>incorrect</em>, yet the credit bureaus have continued to report it despite my disputes. This false reporting has negatively impacted my creditworthiness, financial opportunities, and peace of mind."]},"sort":[13.638262,"15354005"]},{"_index":"complaint-public-v1","_id":"15354004","_score":13.61764,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Experian, Equifax, and TransUnion for reporting false and inaccurate information on my credit file. The information being reported does not belong to me and/or is incorrect, yet the credit bureaus have continued to report it despite my disputes. This false reporting has negatively impacted my creditworthiness, financial opportunities, and peace of mind. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), including submitting disputes and requests for reinvestigation. However, the credit bureaus have failed to comply in a timely manner.","date_sent_to_company":"2025-08-18T03:46:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38114","tags":null,"has_narrative":true,"complaint_id":"15354004","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-18T03:46:18.000Z","state":"TN","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":["I am filing a <em>formal</em> complaint <em>against</em> Experian, Equifax, and TransUnion for reporting false and inaccurate <em>information</em> on my credit file. The <em>information</em> being reported does not belong to me and/or is <em>incorrect</em>, yet the credit bureaus have continued to report it despite my disputes. This false reporting has negatively impacted my creditworthiness, financial opportunities, and peace of mind."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.61764,"15354004"]},{"_index":"complaint-public-v1","_id":"11392739","_score":13.608372,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against. XXXX Credit Bureau, Transunion Credit Bureau and XXXX XXXX XXXX. for their failure to correct and update my personal information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). \n\nOn [ XXXXXXXX  ], I submitted a formal request to. XXXX XXXX, Transunion Credit Bureau and XXXX XXXX XXXX. asking for updates to my personal information. I provided all necessary documents to verify my identity, including : [ A copy of a government-issued ID ( drivers license, passport, social security. ] [ A recent proof of address, bank statement. \n\nHowever, to date, some of my personal details remain incorrect or incomplete.","date_sent_to_company":"2025-01-07T07:00:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92503","tags":null,"has_narrative":true,"complaint_id":"11392739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-07T06:16:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I am writing to file a <em>formal</em> complaint <em>against</em>. XXXX Credit Bureau, Transunion Credit Bureau and XXXX XXXX XXXX. for their failure to correct and update my personal <em>information</em> on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). \n\nOn [ XXXXXXXX  ], I <em>submitted</em> a <em>formal</em> request to. XXXX XXXX, Transunion Credit Bureau and XXXX XXXX XXXX. asking for updates to my personal <em>information</em>."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"sub_issue":["Personal <em>information</em> <em>incorrect</em>"]},"sort":[13.608372,"11392739"]},{"_index":"complaint-public-v1","_id":"11392463","_score":13.608372,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against. Experian Credit Bureau, XXXX Credit Bureau and XXXX XXXX XXXX. for their failure to correct and update my personal information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). \n\nOn [ XXXX ], I submitted a formal request to. XXXX XXXX, XXXX Credit Bureau and XXXX XXXX XXXX. asking for updates to my personal information. I provided all necessary documents to verify my identity, including : [ A copy of a government-issued ID ( drivers license, passport, social security. ] [ A recent proof of address, bank statement. \n\nHowever, to date, some of my personal details remain incorrect or incomplete.","date_sent_to_company":"2025-01-07T07:00:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92503","tags":null,"has_narrative":true,"complaint_id":"11392463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-07T07:00:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I am writing to file a <em>formal</em> complaint <em>against</em>. Experian Credit Bureau, XXXX Credit Bureau and XXXX XXXX XXXX. for their failure to correct and update my personal <em>information</em> on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). \n\nOn [ XXXX ], I <em>submitted</em> a <em>formal</em> request to. XXXX XXXX, XXXX Credit Bureau and XXXX XXXX XXXX. asking for updates to my personal <em>information</em>."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Personal <em>information</em> <em>incorrect</em>"]},"sort":[13.608372,"11392463"]},{"_index":"complaint-public-v1","_id":"11392464","_score":13.598391,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against. XXXX Credit Bureau, XXXX Credit Bureau and Equifax credit Bereau. for their failure to correct and update my personal information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). \n\nOn [ XXXX ], I submitted a formal request to. XXXX XXXX, XXXX Credit Bureau and Equifax credit Bereau. asking for updates to my personal information. I provided all necessary documents to verify my identity, including : [ A copy of a government-issued ID ( drivers license, passport, social security. ] [ A recent proof of address, bank statement. \n\nHowever, to date, some of my personal details remain incorrect or incomplete.","date_sent_to_company":"2025-01-07T07:00:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92503","tags":null,"has_narrative":true,"complaint_id":"11392464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-07T07:00:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I am writing to file a <em>formal</em> complaint <em>against</em>. XXXX Credit Bureau, XXXX Credit Bureau and Equifax credit Bereau. for their failure to correct and update my personal <em>information</em> on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). \n\nOn [ XXXX ], I <em>submitted</em> a <em>formal</em> request to. XXXX XXXX, XXXX Credit Bureau and Equifax credit Bereau. asking for updates to my personal <em>information</em>."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"sub_issue":["Personal <em>information</em> <em>incorrect</em>"]},"sort":[13.598391,"11392464"]},{"_index":"complaint-public-v1","_id":"2335755","_score":13.557492,"_source":{"product":"Credit reporting","complaint_what_happened":"I disputed the response from Equifax on my first complaint ( # XXXX ). I requested that my personal information be corrected and the formerly known as and addresses be deleted because it is crossing information on my credit report. If you review my case, you will see I submitted my request on XX/XX/2016, Equifax response, and my proof of identification. Their response did not have anything to do with my complaint, and now I am requesting another complaint against them improperly updating my personal information. Since then, I did receive another letter from them updating my legal name but still have me incorrectly formally known as and previous addresses still incorrect. I have attached the new case number and proof of them still not correcting my information.","date_sent_to_company":"2017-02-08T16:09:01.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"79424","tags":null,"has_narrative":true,"complaint_id":"2335755","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-02-08T16:09:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Personal information"},"highlight":{"complaint_what_happened":["Since then, I did receive another letter from them updating my legal name but still have me <em>incorrectly</em> <em>formally</em> known as and previous addresses still <em>incorrect</em>. I have attached the new case number and proof of them still not correcting my <em>information</em>."],"issue":["<em>Incorrect</em> <em>information</em> on credit report"],"sub_issue":["Personal <em>information</em>"]},"sort":[13.557492,"2335755"]},{"_index":"complaint-public-v1","_id":"12223843","_score":13.491262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am aware of the lawsuits that were successful against Equifax and Experian for their fraudulent and incomplete investigations into credit report disputes. I am requesting assistance with my own credit report due to negligence from the 3 major credit bureaus. \n\n\nTimeline of Disputes & Communications : XXXX : Initial disputes filed with Experian regarding incorrect late payments and unauthorized account closures. \n\nXXXX : Follow-up disputes submitted after receiving unsatisfactory responses from credit bureaus. \n\nXXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. \n\nXXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. \n\nXX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations. \n\nKey Communication Attempts : Multiple online disputes submitted through Experian, Equifax, and TransUnion portals. \n\nFormal dispute letters sent to creditors via certified mail requesting debt validation and removal of inaccuracies. \n\nPhone calls made to credit bureaus requesting updates and thorough reinvestigation. \n\nResponses received were generic, with no evidence of a complete investigation into the disputed items. \n\nRequest for account closure notifications and evidence of proper communication from creditors ignored or insufficiently addressed.","date_sent_to_company":"2025-02-26T22:59:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"468XX","tags":null,"has_narrative":true,"complaint_id":"12223843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-26T22:58:39.000Z","state":"IN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX : Follow-up disputes <em>submitted</em> after receiving unsatisfactory responses from credit bureaus. \n\nXXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. \n\nXXXX : <em>Submitted</em> <em>formal</em> letters to creditors demanding validation and correction of <em>incorrect</em> <em>information</em>. \n\nXX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations."]},"sort":[13.491262,"12223843"]},{"_index":"complaint-public-v1","_id":"12224208","_score":13.462729,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am aware of the lawsuits that were successful against Equifax and Experian for their fraudulent and incomplete investigations into credit report disputes. I am requesting assistance with my own credit report due to negligence from the 3 major credit bureaus. \n\n\nTimeline of Disputes & Communications : XXXX : Initial disputes filed with Experian regarding incorrect late payments and unauthorized account closures. \n\nXXXX : Follow-up disputes submitted after receiving unsatisfactory responses from credit bureaus. \n\nXXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. \n\nXXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. \n\nXX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations. \n\nKey Communication Attempts : Multiple online disputes submitted through Experian, Equifax, and TransUnion portals. \n\nFormal dispute letters sent to creditors via certified mail requesting debt validation and removal of inaccuracies. \n\nPhone calls made to credit bureaus requesting updates and thorough reinvestigation. \n\nResponses received were generic, with no evidence of a complete investigation into the disputed items. \n\nRequest for account closure notifications and evidence of proper communication from creditors ignored or insufficiently addressed.","date_sent_to_company":"2025-02-26T22:59:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"468XX","tags":null,"has_narrative":true,"complaint_id":"12224208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-26T22:42:58.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX : Follow-up disputes <em>submitted</em> after receiving unsatisfactory responses from credit bureaus. \n\nXXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. \n\nXXXX : <em>Submitted</em> <em>formal</em> letters to creditors demanding validation and correction of <em>incorrect</em> <em>information</em>. \n\nXX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations."]},"sort":[13.462729,"12224208"]},{"_index":"complaint-public-v1","_id":"10894546","_score":13.4610615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting a formal complaint against TransUnion due to their ongoing reporting of inaccurate information on my credit report. Despite multiple disputes concerning an auto loan account ( Account Number : XXXX ), they have failed to correct or remove the inaccuracies. This incorrect reporting is having a significant negative impact on my XXXX XXXX and is providing misleading information to potential lenders, harming my financial opportunities. I have contacted both the company and TransUnion multiple times about these errors, yet no resolution has been provided. This ongoing issue is unacceptable and continues to cause financial harm.","date_sent_to_company":"2024-11-22T22:58:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89120","tags":null,"has_narrative":true,"complaint_id":"10894546","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-22T22:29:37.000Z","state":"NV","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":["I am <em>submitting</em> a <em>formal</em> complaint <em>against</em> TransUnion due to their ongoing reporting of inaccurate <em>information</em> on my credit report. Despite multiple disputes concerning an auto loan account ( Account Number : XXXX ), they have failed to correct or remove the inaccuracies. This <em>incorrect</em> reporting is having a significant negative impact on my XXXX XXXX and is providing misleading <em>information</em> to potential lenders, harming my financial opportunities."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[13.4610615,"10894546"]},{"_index":"complaint-public-v1","_id":"12223841","_score":13.453262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am aware of the lawsuits that were successful against Equifax and Experian for their fraudulent and incomplete investigations into credit report disputes. I am requesting assistance with my own credit report due to negligence from the 3 major credit bureaus. \n\n\nTimeline of Disputes & Communications : XXXX : Initial disputes filed with Experian regarding incorrect late payments and unauthorized account closures. \n\nXXXX : Follow-up disputes submitted after receiving unsatisfactory responses from credit bureaus. \n\nXXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. \n\nXXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. \n\nXX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations. \n\nKey Communication Attempts : Multiple online disputes submitted through Experian, Equifax, and TransUnion portals. \n\nFormal dispute letters sent to creditors via certified mail requesting debt validation and removal of inaccuracies. \n\nPhone calls made to credit bureaus requesting updates and thorough reinvestigation. \n\nResponses received were generic, with no evidence of a complete investigation into the disputed items. \n\nRequest for account closure notifications and evidence of proper communication from creditors ignored or insufficiently addressed.","date_sent_to_company":"2025-02-26T22:59:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"468XX","tags":null,"has_narrative":true,"complaint_id":"12223841","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-26T22:58:39.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX : Follow-up disputes <em>submitted</em> after receiving unsatisfactory responses from credit bureaus. \n\nXXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. \n\nXXXX : <em>Submitted</em> <em>formal</em> letters to creditors demanding validation and correction of <em>incorrect</em> <em>information</em>. \n\nXX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.453262,"12223841"]},{"_index":"complaint-public-v1","_id":"10894650","_score":13.440176,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting a formal complaint against EXPERIAN due to their ongoing reporting of inaccurate information on my credit report. Despite multiple disputes concerning an auto loan account ( Account Number : XXXX ), they have failed to correct or remove the inaccuracies. This incorrect reporting is having a significant negative impact on my credit score and is providing misleading information to potential lenders, harming my financial opportunities. I have contacted both the company and EXPERIAN multiple times about these errors, yet no resolution has been provided. This ongoing issue is unacceptable and continues to cause financial harm.","date_sent_to_company":"2024-11-22T22:58:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89120","tags":null,"has_narrative":true,"complaint_id":"10894650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-22T22:29:37.000Z","state":"NV","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":["I am <em>submitting</em> a <em>formal</em> complaint <em>against</em> EXPERIAN due to their ongoing reporting of inaccurate <em>information</em> on my credit report. Despite multiple disputes concerning an auto loan account ( Account Number : XXXX ), they have failed to correct or remove the inaccuracies. This <em>incorrect</em> reporting is having a significant negative impact on my credit score and is providing misleading <em>information</em> to potential lenders, harming my financial opportunities."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[13.440176,"10894650"]},{"_index":"complaint-public-v1","_id":"14444910","_score":13.430573,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered inaccurate information on my credit report from [ XXXX XXXX XXXX XXXX XXXX ], which I believe is either incomplete, incorrect, or fraudulent. I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX  and/or Furnisher Name ] for failing to comply with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This statute requires a consumer reporting agency to block information resulting from identity theft upon proper notification, which I have already submitted.","date_sent_to_company":"2025-07-03T18:27:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"14444910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-07-03T18:11:58.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I discovered inaccurate <em>information</em> on my credit report from [ XXXX XXXX XXXX XXXX XXXX ], which I believe is either incomplete, <em>incorrect</em>, or fraudulent. I am writing to <em>formally</em> file a complaint <em>against</em> XXXX XXXX XXXX XXXX XXXX XXXX  and/or Furnisher Name ] for failing to comply with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA )."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.430573,"14444910"]},{"_index":"complaint-public-v1","_id":"12285368","_score":13.2266865,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against Experian for failing to remove inaccurate information from my consumer credit report, despite multiple requests and supporting documentation demonstrating that the information is incorrect.\n\nI first disputed the inaccurate information on XX/XX/year> by submitting a dispute through [ method : online, mail, or phone ]. The disputed information includes [ describe the inaccurate accounts, such as fraudulent accounts, incorrect personal information, or outdated negative items ]. Despite providing [ list any supporting documents you provided, such as identity theft reports, proof of payments, or letters from creditors ], XXXX has failed to correct or remove the erroneous data from my credit file.\n\nI have followed up multiple times, including [ mention additional dispute dates or responses received, if applicable ], but I have not received an adequate resolution. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate disputed information within 30 days and correct or remove inaccurate or unverifiable data. Their failure to comply with this legal obligation is negatively impacting my credit and financial standing.","date_sent_to_company":"2025-03-02T07:36:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76227","tags":null,"has_narrative":true,"complaint_id":"12285368","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-02T07:28:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am <em>submitting</em> this <em>formal</em> complaint <em>against</em> Experian for failing to remove inaccurate <em>information</em> from my consumer credit report, despite multiple requests and supporting documentation demonstrating that the <em>information</em> is <em>incorrect</em>.\n\nI first disputed the inaccurate <em>information</em> on XX/XX/year> by <em>submitting</em> a dispute through [ method : online, mail, or phone ]."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.2266865,"12285368"]},{"_index":"complaint-public-v1","_id":"14375235","_score":13.098948,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Against First Progress Credit Card Incorrect Payment Processing, Improper Late Fee, and Inaccurate Credit Reporting I am submitting this formal complaint against First Progress Credit Card for mishandling my account, which resulted in financial harm and violations of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws.\n\nSummary of the Issues : Incorrect Banking Information Entered by First Progress I made a timely payment on my First Progress account using the correct routing and account numbers. Despite this, First Progress processed the transaction using incorrect banking information an error on their part which caused the payment to fail.\n\nImproper Assessment of Late Fee Due to First Progresss internal error, I was charged a late fee. I dispute this charge, as I submitted my payment on time and with the correct information.\n\nInaccurate and Unlawful Credit Reporting First Progress subsequently reported the payment as late to the major credit reporting agencies XXXX XXXX XXXX XXXX which has negatively impacted my credit profile. This reporting is both inaccurate and misleading. \n\nViolations of Federal Law : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Prohibits furnishers from reporting inaccurate or incomplete information to credit bureaus.\n\nFCRA, 15 U.S.C. 1681e ( b ) Requires data furnishers to maintain reasonable procedures to ensure maximum possible accuracy of information.\n\nFCRA, 15 U.S.C. 1681i Grants consumers the right to dispute inaccurate credit information and mandates that furnishers conduct a timely and thorough investigation.","date_sent_to_company":"2025-06-30T15:26:11.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"28079","tags":null,"has_narrative":true,"complaint_id":"14375235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2025-06-30T15:14:18.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Complaint <em>Against</em> First Progress Credit Card <em>Incorrect</em> Payment Processing, Improper Late Fee, and Inaccurate Credit Reporting I am <em>submitting</em> this <em>formal</em> complaint <em>against</em> First Progress Credit Card for mishandling my account, which resulted in financial harm and violations of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[13.098948,"14375235"]},{"_index":"complaint-public-v1","_id":"14445544","_score":13.089277,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered inaccurate information on my credit report from [ XXXX  / XXXX  / XXXX  ], which I believe is either incomplete, incorrect, or fraudulent. Despite my dispute and submission of supporting documents, the information has not been corrected or removed. I am writing to formally file a complaint against [ XXXX / XXXX  / XXXX  and/or Furnisher Name ] for failing to comply with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This statute requires a consumer reporting agency to block information resulting from identity theft upon proper notification, which I have already submitted.","date_sent_to_company":"2025-07-03T17:10:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"14445544","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-07-03T17:10:28.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I discovered inaccurate <em>information</em> on my credit report from [ XXXX  / XXXX  / XXXX  ], which I believe is either incomplete, <em>incorrect</em>, or fraudulent. Despite my dispute and submission of supporting documents, the <em>information</em> has not been corrected or removed. I am writing to <em>formally</em> file a complaint <em>against</em> [ XXXX / XXXX  / XXXX  and/or Furnisher Name ] for failing to comply with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA )."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.089277,"14445544"]},{"_index":"complaint-public-v1","_id":"14445545","_score":13.058725,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I discovered inaccurate information on my credit report from [ XXXX  XXXX XXXX  XXXX XXXX  ], which I believe is either incomplete, incorrect, or fraudulent. Despite my dispute and submission of supporting documents, the information has not been corrected or removed. I am writing to formally file a complaint against [ XXXX  / XXXX  / XXXX  and/or Furnisher Name ] for failing to comply with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This statute requires a consumer reporting agency to block information resulting from identity theft upon proper notification, which I have already submitted.","date_sent_to_company":"2025-07-03T17:10:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"14445545","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"The CBE Group, Inc.","date_received":"2025-07-03T17:10:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I discovered inaccurate <em>information</em> on my credit report from [ XXXX  XXXX XXXX  XXXX XXXX  ], which I believe is either incomplete, <em>incorrect</em>, or fraudulent. Despite my dispute and submission of supporting documents, the <em>information</em> has not been corrected or removed. I am writing to <em>formally</em> file a complaint <em>against</em> [ XXXX  / XXXX  / XXXX  and/or Furnisher Name ] for failing to comply with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA )."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.058725,"14445545"]},{"_index":"complaint-public-v1","_id":"13386856","_score":13.055167,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against Equifax for its continued reporting of outdated, inaccurate, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). I submitted a dispute on XX/XX/XXXX, formally requesting that Equifax correct or delete all non-compliant entries, but as of today, no correction or verification has been provided. \n\nKey Violations & Issues Identified : 1. Inaccurate Personal Information Equifax continues to report the following false or outdated information : Incorrect previous address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Incorrect previous address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Incorrect current address formatting Incorrect name entries : XXXX XXXX and XXXX XXXX  Employer misreporting : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect date of birth : XXXX ( instead of XX/XX/XXXX ) These entries are not factually accurate, lack verifiable documentation, and may expose me to identity-related risks. Equifax has failed to uphold FCRA 1681e ( b ), which requires all consumer data to be reported with maximum possible accuracy. \n\n2. Failure to Investigate or Validate Derogatory Tradelines Despite my formal dispute, Equifax continues to report accounts that were not validated or corrected. These include : Tradelines with inconsistent date last active and payment status Accounts lacking compliance with Metro 2 formatting requirements No physical or documentary evidence of permissible purpose provided Equifaxs failure to delete or correct unverifiable accounts violates : FCRA 1681i ( a ) ( 1 ) failure to investigate FCRA 1681i ( a ) ( 5 ) failure to delete inaccurate or unverifiable data","date_sent_to_company":"2025-05-07T23:27:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48227","tags":null,"has_narrative":true,"complaint_id":"13386856","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-07T23:22:01.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am <em>submitting</em> this complaint <em>against</em> Equifax for its continued reporting of outdated, inaccurate, and unverifiable <em>information</em> in violation of the Fair Credit Reporting Act ( FCRA ). I <em>submitted</em> a dispute on XX/XX/XXXX, <em>formally</em> requesting that Equifax correct or delete all non-compliant entries, but as of today, no correction or verification has been provided. \n\nKey Violations & Issues Identified : 1."],"issue":["<em>Incorrect</em> <em>information</em> on your report"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[13.055167,"13386856"]},{"_index":"complaint-public-v1","_id":"14731391","_score":13.034401,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against LexisNexis Risk Solutions for reporting inaccurate personal information in my consumer file. \n\nSpecifically, LexisNexis is reporting addresses and phone numbers that do not pertain to me. The only correct address that should appear in my report is : My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX Any other address appearing on my file is incorrect and should be permanently removed. \n\nAdditionally, the phone number listed in your records is also incorrect and must be removed. The correct phone number associated with me is XXXX I submitted a formal dispute to LexisNexis, requesting that all inaccurate addresses and phone numbers be deleted. LexisNexis has failed to correct this information within the time required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.","date_sent_to_company":"2025-07-18T16:36:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"711XX","tags":null,"has_narrative":true,"complaint_id":"14731391","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-07-18T16:31:19.000Z","state":"LA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Additionally, the phone number listed in your records is also <em>incorrect</em> and must be removed. The correct phone number associated with me is XXXX I <em>submitted</em> a <em>formal</em> dispute to LexisNexis, requesting that all inaccurate addresses and phone numbers be deleted. 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