{"took":135,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7125,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5011907","_score":13.545705,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. \nIt seems that a new account not belonging to me is appearing every few days.\n\nThere seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.\n\nI have not placed requested for credit and my account has zero inquiries. Id like to know how your company has added credit accounts to my report that do not belong to me.","date_sent_to_company":"2021-12-15T16:59:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10065","tags":"Servicemember","has_narrative":true,"complaint_id":"5011907","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-15T16:51:49.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please remove the <em>incorrect</em> <em>information</em> immediately from my file.\n\nI have not placed requested for credit and my account has zero inquiries. Id like to know how <em>your</em> company has added credit accounts to my <em>report</em> that do not <em>belong</em> to me."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> <em>belongs</em> to someone else"]},"sort":[13.545705,"5011907"]},{"_index":"complaint-public-v1","_id":"5011932","_score":13.536337,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. \nIt seems that a new account not belonging to me is appearing every few days. \nThere seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file. \n\nI have not placed requested for credit and my account has zero inquiries. Id like to know how your company has added credit accounts to my report that do not belong to me.","date_sent_to_company":"2021-12-15T17:00:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10065","tags":"Servicemember","has_narrative":true,"complaint_id":"5011932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-12-15T17:00:01.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please remove the <em>incorrect</em> <em>information</em> immediately from my file. \n\nI have not placed requested for credit and my account has zero inquiries. Id like to know how <em>your</em> company has added credit accounts to my <em>report</em> that do not <em>belong</em> to me."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Information</em> <em>belongs</em> to someone else"]},"sort":[13.536337,"5011932"]},{"_index":"complaint-public-v1","_id":"6512563","_score":13.37765,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. \n\nI am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. \n\nAs required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. \n\nPlease investigate these matters and remove the disputed items as soon as possible. \n\nXXXX. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX - This name belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.\n\nEnclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-01-31T14:57:27.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"17022","tags":null,"has_narrative":true,"complaint_id":"6512563","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-31T14:52:20.000Z","state":"PA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["The following personal <em>information</em> is <em>incorrect</em> Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX - This address <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\nXXXX. The following personal <em>information</em> is <em>incorrect</em> Account Number : XXXX XXXX XXXX - This name <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\nXXXX. The following personal <em>information</em> is <em>incorrect</em> Account XXXX : XXXX XXXX - This name <em>belongs</em> to someone else."],"issue":["Unable to get <em>your</em> credit <em>report</em> or credit score"],"sub_issue":["Other problem getting <em>your</em> <em>report</em> or credit score"]},"sort":[13.37765,"6512563"]},{"_index":"complaint-public-v1","_id":"6720462","_score":13.212269,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. \n\nXXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. \nThe following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.\n\nThe following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.\n\nI am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.\n\nThank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-03-20T20:06:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10460","tags":null,"has_narrative":true,"complaint_id":"6720462","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-20T20:01:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of <em>your</em> investigation. \nThe following personal <em>information</em> is <em>incorrect</em> : Account Number : XXXX XXXX - This name <em>belongs</em> to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this <em>incorrect</em> <em>information</em> from my credit <em>report</em> immediately."]},"sort":[13.212269,"6720462"]},{"_index":"complaint-public-v1","_id":"6720459","_score":13.212269,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. \n\nXXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation.\n\nThe following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.\n\nThe following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.\n\nI am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.\n\nThank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-03-20T20:06:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10460","tags":null,"has_narrative":true,"complaint_id":"6720459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-20T20:06:37.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of <em>your</em> investigation.\n\nThe following personal <em>information</em> is <em>incorrect</em> : Account Number : XXXX XXXX - This name <em>belongs</em> to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this <em>incorrect</em> <em>information</em> from my credit <em>report</em> immediately."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.212269,"6720459"]},{"_index":"complaint-public-v1","_id":"3932301","_score":13.2119255,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been writing Experian every week for the past eight weeks in regard to incorrect information they are reporting on my credit report. To begin with, Experian is reporting nine variations of my name that are incorrect. Furthermore, Experian is reporting an incorrect address, and employment information. I sent Experian a copy of my passport, photo ID, social security card, along with a letter asking them to correct this information. In addition, there are a few accounts being reported under different names that don't belong to me that Experian wont remove. Imagine seeing an account that does not belong to you on your report that is weighing down your credit score? You become anxious for it to come off because you feel wronged. Experian has been sending me stall tactics for the past three months. Today i received a letter that said hat they still have not removed the fraudulent information but they decided to close the investigation and \" update '' the accounts. The irony is the update did not \" update '' any information. The accounts are still on my report, Experian is acting like i did not ask them to \" delete/remove '' from my report. Experian is breaking the law by reporting incorrect information on my behalf and they need to held accountable.","date_sent_to_company":"2020-11-02T20:11:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75052","tags":null,"has_narrative":true,"complaint_id":"3932301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-11-02T19:51:38.000Z","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":["In addition, there are a few accounts being <em>reported</em> under different names that don't <em>belong</em> to me that Experian wont remove. Imagine seeing an account that does not <em>belong</em> to you on <em>your</em> <em>report</em> that is weighing down <em>your</em> credit score? You become anxious for it to come off because you feel wronged. Experian has been sending me stall tactics for the past three months."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> <em>belongs</em> to someone else"]},"sort":[13.2119255,"3932301"]},{"_index":"complaint-public-v1","_id":"6720460","_score":13.186633,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. \n\nXXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. \n\nThe following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately. \n\nThe following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.\n\nI am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.\n\nThank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-03-20T20:06:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10460","tags":null,"has_narrative":true,"complaint_id":"6720460","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-20T20:06:37.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of <em>your</em> investigation. \n\nThe following personal <em>information</em> is <em>incorrect</em> : Account Number : XXXX XXXX - This name <em>belongs</em> to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this <em>incorrect</em> <em>information</em> from my credit <em>report</em> immediately."]},"sort":[13.186633,"6720460"]},{"_index":"complaint-public-v1","_id":"1529683","_score":13.180871,"_source":{"product":"Credit reporting","complaint_what_happened":"Credit Card companies are deleting Historical account information reporting incorrectly and re-aging of account. CRA are being advised that information is reported correctly that account belongs to consumer. I am not questioning the validation of whom the account belongs to but I am informing the CRA that they are in violation of FCRA ( 7 year maximum reporting period ). All account information which shows deleted or no Historical Account information and payment made not provided is the Credit Reporting agencies attempt to camouflage their violation and report incorrectly. Any and all accounts that are in violation of FCRA ( 7 year maximum reporting period/Historical Account Information not available/Payment History not available ) needs to be removed immediately. Check attached documents and all reporting periods are false. No Historical information is present to validate their reporting period and payment information made is deliberately not shown to continue reporting false information/incorrect/unsupported data. Please investigate and enforce any action necessary. Thank you for your assistance in this matter.","date_sent_to_company":"2015-08-21T00:46:17.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"33134","tags":null,"has_narrative":true,"complaint_id":"1529683","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2015-08-21T00:46:16.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status"},"highlight":{"complaint_what_happened":["Credit Card companies are deleting Historical account <em>information</em> <em>reporting</em> <em>incorrectly</em> and re-aging of account. CRA are being advised that <em>information</em> is <em>reported</em> correctly that account <em>belongs</em> to consumer. I am not questioning the validation of whom the account <em>belongs</em> to but I am informing the CRA that they are in violation of FCRA ( 7 year maximum <em>reporting</em> period )."],"issue":["<em>Incorrect</em> <em>information</em> on credit <em>report</em>"]},"sort":[13.180871,"1529683"]},{"_index":"complaint-public-v1","_id":"6567456","_score":13.160482,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. \n\nI am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. \n\nAs required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. \n\nPlease investigate these matters and remove the disputed items as soon as possible. \n\n1. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. \n\n2. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. \n\n3. XXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. \n\n4. XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. \n\n5. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. \n\n6. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. \n\n7. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. \n\n8. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. \n\n9. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. \n\n10. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. \n\n11. XXXX XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. \n\n12. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. \n\n13. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name belongs to someone else. Delete it from my report immediately. \n\n14. The following personal information is incorrect Account Number : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately. \n\n15. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. \n\n16. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. \n\n17. The following personal information is incorrect Account Number : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately. \n\n18. The following personal information is incorrect Account Number : XXXX XXXX -This name belongs to someone else. Delete it from my report immediately. \n\n\n\n\nEnclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-13T16:08:13.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"10001","tags":null,"has_narrative":true,"complaint_id":"6567456","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-13T15:51:59.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Delete it from my <em>report</em> immediately. \n\n16. The following personal <em>information</em> is <em>incorrect</em> Account Number : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX - This address <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\n17. The following personal <em>information</em> is <em>incorrect</em> Account Number : XXXX XXXX - This name <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\n18. The following personal <em>information</em> is <em>incorrect</em> Account Number : XXXX XXXX -This name <em>belongs</em> to someone else."],"issue":["Unable to get <em>your</em> credit <em>report</em> or credit score"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Other problem getting <em>your</em> <em>report</em> or credit score"]},"sort":[13.160482,"6567456"]},{"_index":"complaint-public-v1","_id":"7565415","_score":13.155979,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"please i am asking to remove this incorrect account on my credit report that don't belong the me ive been a victim of identity theft before and still can believe people can still add incorrect Information without my consent best regards looking for to your continue assistance.","date_sent_to_company":"2023-09-19T00:55:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33404","tags":null,"has_narrative":true,"complaint_id":"7565415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-19T00:38:42.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["please i am asking to remove this <em>incorrect</em> account on my credit <em>report</em> that don't <em>belong</em> the me ive been a victim of identity theft before and still can believe people can still add <em>incorrect</em> <em>Information</em> without my consent best regards looking for to <em>your</em> continue assistance."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Information</em> <em>belongs</em> to someone else"]},"sort":[13.155979,"7565415"]},{"_index":"complaint-public-v1","_id":"6568579","_score":13.1310425,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. \n\nI am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. \n\nAs required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. \n\nPlease investigate these matters and remove the disputed items as soon as possible. \n\nXXXX. The following personal information is incorrect Account XXXX : XXXX XXXX -This name belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX -This name belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX- This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX- This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account XXXX : XXXX - This name belongs to someone else. Delete it from my report immediately. \n\nXXXX. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. \n\n\n\n\nEnclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may re\nsult in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-13T08:39:58.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"33578","tags":null,"has_narrative":true,"complaint_id":"6568579","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-13T08:35:42.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Delete it from my <em>report</em> immediately. \n\nXXXX. The following personal <em>information</em> is <em>incorrect</em> Account XXXX : XXXX XXXX - This name <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\nXXXX. The following personal <em>information</em> is <em>incorrect</em> Account Number : XXXX, XXXX, XXXX -This name <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\nXXXX."],"issue":["Unable to get <em>your</em> credit <em>report</em> or credit score"],"sub_issue":["Other problem getting <em>your</em> <em>report</em> or credit score"]},"sort":[13.1310425,"6568579"]},{"_index":"complaint-public-v1","_id":"14369640","_score":13.122873,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2025 TransUnion Consumer Solutions XXXX. XXXX XXXX, XXXX Request for Deletion of Inaccurate Information Dear Transunion, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. \n\nUpon reviewing my Transunion file, I have identified the following errors : XXXX. Misspelled/Incorrect Names The following names are either misspelled or not mine and must be removed from my file : XXXX XXXX XXXX XXXX  XXXX Incorrect Addresses Please delete the following addresses that do not belong to me or are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX. Incorrect Phone Number Please delete the following Phone Numbers that do not belong to me or are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX XXXX. Incorrect Public Records Please delete the following Public Records that do not belong to me or are inaccurate : XXXX XXXX XXXX GEORGIA XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. \n\nPlease confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. \n\nThank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-30T20:37:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"326XX","tags":null,"has_narrative":true,"complaint_id":"14369640","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-30T20:36:57.000Z","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":["<em>Incorrect</em> Public Records Please delete the following Public Records that do not <em>belong</em> to me or are inaccurate : XXXX XXXX XXXX GEORGIA XXXX According to the Fair Credit <em>Reporting</em> Act ( FCRA ), I have the right to ensure that all <em>information</em> in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous <em>information</em>."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[13.122873,"14369640"]},{"_index":"complaint-public-v1","_id":"17907396","_score":13.122315,"_source":{"product":"Debt collection","complaint_what_happened":"This information is incorrect because the debt was paid by insurance, the amount is wrong, or the account does not belong to me Under the Fair Credit Reporting Act, I request that you investigate this matter and remove or correct the inaccurate information. Please provide me with written confirmation of the results of your investigation. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-12-10T02:47:04.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"315XX","tags":null,"has_narrative":true,"complaint_id":"17907396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Medical Data Systems, Inc.","date_received":"2025-12-10T02:20:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This <em>information</em> is <em>incorrect</em> because the debt was paid by insurance, the amount is wrong, or the account does not <em>belong</em> to me Under the Fair Credit <em>Reporting</em> Act, I request that you investigate this matter and remove or correct the inaccurate <em>information</em>. Please provide me with written confirmation of the results of <em>your</em> investigation. \n\nThank you for <em>your</em> prompt attention to this matter."]},"sort":[13.122315,"17907396"]},{"_index":"complaint-public-v1","_id":"14370489","_score":13.103764,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2025 TransUnion Consumer Solutions XXXX. XXXX XXXX, XXXX Request for Deletion of Inaccurate Information Dear Transunion, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. \n\nUpon reviewing my Transunion file, I have identified the following errors : XXXX. Misspelled/Incorrect Names The following names are either misspelled or not mine and must be removed from my file : XXXX XXXX XXXX XXXX  XXXX Incorrect Addresses Please delete the following addresses that do not belong to me or are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX. Incorrect Phone Number Please delete the following Phone Numbers that do not belong to me or are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX XXXX. Incorrect Public Records Please delete the following Public Records that do not belong to me or are inaccurate : XXXX XXXX XXXX GEORGIA XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. \n\nPlease confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. \n\nThank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-30T20:37:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"326XX","tags":null,"has_narrative":true,"complaint_id":"14370489","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-30T20:25:38.000Z","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":["<em>Incorrect</em> Public Records Please delete the following Public Records that do not <em>belong</em> to me or are inaccurate : XXXX XXXX XXXX GEORGIA XXXX According to the Fair Credit <em>Reporting</em> Act ( FCRA ), I have the right to ensure that all <em>information</em> in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous <em>information</em>."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[13.103764,"14370489"]},{"_index":"complaint-public-v1","_id":"6568296","_score":13.0873165,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. \n\nI am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. \nAs required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. \n\nPlease investigate these matters and remove the disputed items as soon as possible. \n\nXXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX -This name belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account XXXX : XXXX - This name belongs to someone else. Delete it from my report immediately. \n\nXXXX. The following personal information is incorrect Account XXXX : XXXX XXXX -This name belongs to someone else. Delete it from my report immediately. \n\nXXXX. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. \n\nXXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. \n\n\n\n\nEnclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-13T08:39:53.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"33578","tags":null,"has_narrative":true,"complaint_id":"6568296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-13T08:35:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["The following personal <em>information</em> is <em>incorrect</em> Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX -This address <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\nXXXX. The following personal <em>information</em> is <em>incorrect</em> Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX -This address <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\nXXXX. The following personal <em>information</em> is <em>incorrect</em> Account XXXX : XXXX - This name <em>belongs</em> to someone else."],"issue":["Unable to get <em>your</em> credit <em>report</em> or credit score"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Other problem getting <em>your</em> <em>report</em> or credit score"]},"sort":[13.0873165,"6568296"]},{"_index":"complaint-public-v1","_id":"6567447","_score":13.076156,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. \n\nI am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.\n\nAs required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. \n\nPlease investigate these matters and remove the disputed items as soon as possible. \n\n1. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. \n\n2. XXXX XXXX XXXX NA Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. \n\n3. XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. \n\n4. XXXX XXXX  Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. \n\n5. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX- This name belongs to someone else. Delete it from my report immediately. \n\n6. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n7. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WI XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. \n\n8. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, WI XXXX- This address belongs to someone else. Delete it from my report immediately. \n\n9. The following personal information is incorrect Account Number : XXXX - This name belongs to someone else. Delete it from my report immediately. \n\n10. The following personal information is incorrect Account Number : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately. \n\n\n\n\nEnclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-13T16:08:17.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"10001","tags":null,"has_narrative":true,"complaint_id":"6567447","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-13T16:04:43.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["The following personal <em>information</em> is <em>incorrect</em> Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WI XXXX XX/XX/XXXX - This address <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\n8. The following personal <em>information</em> is <em>incorrect</em> Account Number : XXXX XXXX XXXX XXXX, WI XXXX- This address <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\n9. The following personal <em>information</em> is <em>incorrect</em> Account Number : XXXX - This name <em>belongs</em> to someone else."],"issue":["Unable to get <em>your</em> credit <em>report</em> or credit score"],"sub_issue":["Other problem getting <em>your</em> <em>report</em> or credit score"]},"sort":[13.076156,"6567447"]},{"_index":"complaint-public-v1","_id":"12803277","_score":13.028532,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally request the removal of a credit entry from my account due to inaccurate reporting. Upon reviewing my credit report, I noticed that an incorrect balance, late payments, and in store account that doesnt belong to me. This information is incorrect and does not accurately reflect my financial. please update the reporting with the credit bureaus to ensure my record accurately reflects my financial standing. \n\nI appreciate your prompt attention to this matter and look forward to your response. Please let me know if any additional information is required.","date_sent_to_company":"2025-07-11T14:47:59.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"92557","tags":"Servicemember","has_narrative":true,"complaint_id":"12803277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-04-03T13:41:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I am writing to formally request the removal of a credit entry from my account due to inaccurate <em>reporting</em>. Upon reviewing my credit <em>report</em>, I noticed that an <em>incorrect</em> balance, late payments, and in store account that doesnt <em>belong</em> to me. This <em>information</em> is <em>incorrect</em> and does not accurately reflect my financial. please update the <em>reporting</em> with the credit bureaus to ensure my record accurately reflects my financial standing."]},"sort":[13.028532,"12803277"]},{"_index":"complaint-public-v1","_id":"6460663","_score":13.026443,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. \n\nIts very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. \n\n1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.\n\n2. What is a FCRA violation?\n\nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.\n\n3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. \nReceive notification if information in my file has been used against me in applying for credit or other transactions. \nDisputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.\n\nRemove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).\n\nI demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. \n\n1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n3. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX -This employer is not correct. Delete it immediately from my report. \n\n4. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXX XXXXXXXX XXXX  -This employer is not correct. Delete it immediately from my report. \n\n5. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. \n\n6. XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. \n\n7. This account is reporting differently between the bureaus and a direct violation of FCRA 623 Responsibilities of the data furnishers. Investigate thoroughly and update all 3 or remove. \n07 XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.\n\n8. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXXThis name belongs to someone else. Delete it from my report immediately. \n\n9. The following personal information is incorrect Account Number : Name : XXXX XXXX -This name belongs to someone else. Delete it from my report immediately. \n\n10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. \n\n12. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX  -This name belongs to someone else. Delete it from my report immediately. \n\n13. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXX XXXXXXXX XXXX XXXXThis name belongs to someone else. Delete it from my report immediately. \n\n14. The following personal information is incorrect Account Number : Name : XXXX XXXX -This name belongs to someone else. Delete it from my report immediately. \n\n15. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n16. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n17. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX -This name belongs to someone else. Delete it from my report immediately.\n\n18. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXXXXXX XXXX XXXXThis name belongs to someone else. Delete it from my report immediately.\n\n19. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! \n\n20. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! \n\n21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! \n\n\n\n* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2023-01-19T16:27:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21117","tags":null,"has_narrative":true,"complaint_id":"6460663","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-19T16:21:03.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The following personal <em>information</em> is <em>incorrect</em> Account Number : Name : XXXX XXXX XXXX XXXXThis name <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\n9. The following personal <em>information</em> is <em>incorrect</em> Account Number : Name : XXXX XXXX -This name <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\n10."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.026443,"6460663"]},{"_index":"complaint-public-v1","_id":"2425955","_score":12.933902,"_source":{"product":"Credit reporting","complaint_what_happened":"I had an account report from XXXX XXXX XXXX an owed account on my credit report for the amount of {$2000.00} that I am certain does not belong to me. I mailed a certified letter received on XX/XX/XXXX with tracking # XXXX XXXX XXXX XXXX XXXX and received a response from my inquiry dated XX/XX/XXXX. The letter included my name, current mailing address and social security number. The response included information and a credit account tied to a person name XXXX XXXX. I now have the private information belonging to another person, tied to may address. My understanding is that this breaks federal credit reporting laws and regulations. As well, I am certain the information they are claiming belongs to me and are reporting to Experian and XXXX are also incorrect. I am requesting help in immediately removing the fraudulent and incorrect reporting to all XXXX credit bureaus as well as the the extraction of all of my personal information from XXXX XXXX XXXX. Thanks for your help and immediate response.","date_sent_to_company":"2017-04-08T23:03:41.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"37069","tags":null,"has_narrative":true,"complaint_id":"2425955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-04-08T23:03:41.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["I now have the private <em>information</em> <em>belonging</em> to another person, tied to may address. My understanding is that this breaks federal credit <em>reporting</em> laws and regulations. As well, I am certain the <em>information</em> they are claiming <em>belongs</em> to me and are <em>reporting</em> to Experian and XXXX are also <em>incorrect</em>. I am requesting help in immediately removing the fraudulent and <em>incorrect</em> <em>reporting</em> to all XXXX credit bureaus as well as the the extraction of all of my personal <em>information</em> from XXXX XXXX XXXX."],"issue":["<em>Incorrect</em> <em>information</em> on credit <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> is not mine"]},"sort":[12.933902,"2425955"]},{"_index":"complaint-public-v1","_id":"8673578","_score":12.856991,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention an error on my credit report that I believe needs to be corrected. The report contains an entry for an account that does not belong to me, and I am concerned that it may be causing incorrect information to be associated with my credit profile.","date_sent_to_company":"2024-04-01T16:46:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76504","tags":null,"has_narrative":true,"complaint_id":"8673578","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-01T16:46:38.000Z","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":["I am writing to bring to <em>your</em> attention an error on my credit <em>report</em> that I believe needs to be corrected. The <em>report</em> contains an entry for an account that does not <em>belong</em> to me, and I am concerned that it may be causing <em>incorrect</em> <em>information</em> to be associated with my credit profile."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[12.856991,"8673578"]},{"_index":"complaint-public-v1","_id":"11399237","_score":12.85482,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information Mixed Accounts Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute certain accounts that have been erroneously reported on my credit report. After reviewing my credit profile, it has come to my attention that some of the accounts listed do not belong to me and appear to be the result of mixed information with another individuals credit file. These incorrect accounts are negatively impacting my credit profile and causing significant issues with my current lenders.\n\nBelow are the details of the accounts that appear to be mixed up : 1. Account Name : XXXX XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. \n2. Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. \n3. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. \n4. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. \nI respectfully request that you investigate this matter and correct my credit file by removing these incorrect accounts. Please confirm that this dispute will be addressed and that the necessary steps will be taken to ensure my credit report reflects only accurate and relevant information. I would appreciate a prompt resolution, as this issue is currently affecting my ability to maintain positive relationships with my lenders. \nPlease find attached a copy of my credit report highlighting the disputed accounts. If you require any additional information or documentation from me to facilitate your investigation, kindly let me know. \nThank you for your attention to this matter. I look forward to your prompt response and the necessary updates to my credit report. \n\nYour company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-06T21:37:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55902","tags":null,"has_narrative":true,"complaint_id":"11399237","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-01-06T21:32:44.000Z","state":"MN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Please find attached a copy of my credit <em>report</em> highlighting the disputed accounts. If you require any additional <em>information</em> or documentation from me to facilitate <em>your</em> investigation, kindly let me know. \nThank you for <em>your</em> attention to this matter. I look forward to <em>your</em> prompt response and the necessary updates to my credit <em>report</em>. \n\n<em>Your</em> company is not authorized to share any of my personally identifiable <em>information</em> with any creditor or outside agency for which I am disputing."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Information</em> <em>belongs</em> to someone else"]},"sort":[12.85482,"11399237"]},{"_index":"complaint-public-v1","_id":"11398746","_score":12.85482,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Incorrect Information Mixed Accounts Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute certain accounts that have been erroneously reported on my credit report. After reviewing my credit profile, it has come to my attention that some of the accounts listed do not belong to me and appear to be the result of mixed information with another individuals credit file. These incorrect accounts are negatively impacting my credit profile and causing significant issues with my current lenders.\n\nBelow are the details of the accounts that appear to be mixed up : XXXX. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. \nXXXX. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. \nXXXX. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else. \nXXXX. Account Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me and is mixed-up with someone else.\n\nI respectfully request that you investigate this matter and correct my credit file by removing these incorrect accounts. Please confirm that this dispute will be addressed and that the necessary steps will be taken to ensure my credit report reflects only accurate and relevant information. I would appreciate a prompt resolution, as this issue is currently affecting my ability to maintain positive relationships with my lenders.\n\nPlease find attached a copy of my credit report highlighting the disputed accounts. If you require any additional information or documentation from me to facilitate your investigation, kindly let me know.\n\nThank you for your attention to this matter. I look forward to your prompt response and the necessary updates to my credit report.\n\nYour company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-06T21:37:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55902","tags":null,"has_narrative":true,"complaint_id":"11398746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-06T21:37:22.000Z","state":"MN","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":["Please find attached a copy of my credit <em>report</em> highlighting the disputed accounts. If you require any additional <em>information</em> or documentation from me to facilitate <em>your</em> investigation, kindly let me know.\n\nThank you for <em>your</em> attention to this matter. I look forward to <em>your</em> prompt response and the necessary updates to my credit <em>report</em>.\n\n<em>Your</em> company is not authorized to share any of my personally identifiable <em>information</em> with any creditor or outside agency for which I am disputing."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> <em>belongs</em> to someone else"]},"sort":[12.85482,"11398746"]},{"_index":"complaint-public-v1","_id":"9855242","_score":12.847791,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX, XXXX and Experian. \n\nI am writing to dispute an inaccurate address listed on my credit report. After reviewing my recent credit report, I noticed that an incorrect address is included, which does not belong to me and is affecting the accuracy of my credit profile. \n\nThe incorrect address listed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nMy correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n\nI kindly request that you investigate this discrepancy and remove the incorrect address from my credit report. For your reference, I have included a copy of my current utility bill and a government-issued ID verifying my correct address.\n\nPlease confirm receipt of this letter and inform me of the outcome of your investigation. You may contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any additional information. \n\nThank you for your prompt attention to this matter., I am writing to dispute an inaccurate address listed on my credit report. After reviewing my recent credit report, I noticed that an incorrect address is included, which does not belong to me and is affecting the accuracy of my credit profile. \n\nThe incorrect address listed is : [ Incorrect Address ] My correct address is : [ Your Correct Address ] I kindly request that you investigate this discrepancy and remove the incorrect address from my credit report. For your reference, I have included a copy of my current utility bill and a government-issued ID verifying my correct address. \n\nPlease confirm receipt of this letter and inform me of the outcome of your investigation. You may contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any additional information.\n\nThank you for your prompt attention to this matter.,","date_sent_to_company":"2024-08-23T16:40:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"00751","tags":null,"has_narrative":true,"complaint_id":"9855242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-19T11:30:59.000Z","state":"PR","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":["After reviewing my recent credit <em>report</em>, I noticed that an <em>incorrect</em> address is included, which does not <em>belong</em> to me and is affecting the accuracy of my credit profile. \n\nThe <em>incorrect</em> address listed is : [ <em>Incorrect</em> Address ] My correct address is : [ <em>Your</em> Correct Address ] I kindly request that you investigate this discrepancy and remove the <em>incorrect</em> address from my credit <em>report</em>."],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Personal <em>information</em> <em>incorrect</em>"]},"sort":[12.847791,"9855242"]},{"_index":"complaint-public-v1","_id":"8673576","_score":12.842074,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention an error on my credit report that I believe needs to be corrected. The report contains an entry for an account that does not belong to me, and I am concerned that it may be causing incorrect information to be associated with my credit profile.","date_sent_to_company":"2024-04-01T16:46:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76504","tags":null,"has_narrative":true,"complaint_id":"8673576","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-01T16:46:38.000Z","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":["I am writing to bring to <em>your</em> attention an error on my credit <em>report</em> that I believe needs to be corrected. The <em>report</em> contains an entry for an account that does not <em>belong</em> to me, and I am concerned that it may be causing <em>incorrect</em> <em>information</em> to be associated with my credit profile."],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Their investigation did not fix an error on <em>your</em> <em>report</em>"]},"sort":[12.842074,"8673576"]},{"_index":"complaint-public-v1","_id":"6542977","_score":12.833876,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New York, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. \n\nI am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. \n\nAs required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. \n\nPlease investigate these matters and remove the disputed items as soon as possible. \n\n1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n3. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n6. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX -This address belongs to someone else. Delete it from my report immediately. \n\n9. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. \nEnclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. \n\nFailure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX  CC : State Senate  CC : Federal Deposit Insurance Corporation  CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX","date_sent_to_company":"2023-02-07T17:34:55.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"10002","tags":null,"has_narrative":true,"complaint_id":"6542977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-07T17:24:33.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["The following personal <em>information</em> is <em>incorrect</em> Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX -This address <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\n2. The following personal <em>information</em> is <em>incorrect</em> Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX -This address <em>belongs</em> to someone else. Delete it from my <em>report</em> immediately. \n\n3."],"issue":["Unable to get <em>your</em> credit <em>report</em> or credit score"],"sub_issue":["Other problem getting <em>your</em> <em>report</em> or credit score"]},"sort":[12.833876,"6542977"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":7125,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":7125}]}},"product":{"doc_count":7125,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4150,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4073},{"key":"Other personal consumer report","doc_count":77}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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