{"took":553,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1877,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7518600","_score":21.762587,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute and Demand for Investigation - Violations of FCRA Section 611 ( a ) ( 1 ) ( A ) Dear Experian Dispute Department, I am writing to reiterate my deep concern and dissatisfaction with Experian 's handling of my credit report dispute, Case # [ XXXX } and to provide further evidence of non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ). \n\nAs previously communicated, I submitted an initial complaint to the Federal Trade Commission ( FTC ) outlining the issues with my credit report. Furthermore, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), and this complaint was duly verified with CFPB Complaint Number : XXXX. \n\nThese actions should serve as irrefutable evidence of the seriousness of the inaccuracies in my credit report and Experian 's continued negligence in addressing them. Both the FTC and CFPB complaints underscore my ongoing efforts to rectify these issues, which have persisted for over a year. \n\nI hereby demand that Experian conducts a comprehensive investigation into this matter, utilizing the information provided in both the FTC and CFPB complaints as reference points for your inquiry. The blatant violations of FCRA Section 611 ( a ) ( 1 ) ( A ), as outlined in my previous correspondence, must be addressed immediately. \n\nI expect Experian to take swift and decisive action to resolve this dispute and to communicate the results of your investigation to me within 30 days from the receipt of this letter. \n\nFailure to address these concerns adequately will leave me with no choice but to pursue legal remedies and seek damages for the continued violations of my rights under the FCRA. \n\nI urge Experian to treat this matter with the urgency and gravity it deserves. Timely resolution and adherence to the law are the only acceptable outcomes in this situation. \n\nSincerely, XXXX [ Enclosures : Copies of FTC and CFPB complaints, proof of delivery ]","date_sent_to_company":"2023-09-08T05:37:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"7518600","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-08T05:15:18.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : <em>Formal</em> Dispute and <em>Demand</em> for <em>Investigation</em> - <em>Violations</em> of FCRA Section 611 ( a ) ( 1 ) ( A ) <em>Dear</em> Experian Dispute Department, I am <em>writing</em> to reiterate my deep concern and dissatisfaction with Experian 's handling of my credit report dispute, Case # [ XXXX } and to provide further evidence of non-<em>compliance</em> with the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A )."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[21.762587,"7518600"]},{"_index":"complaint-public-v1","_id":"13921571","_score":21.430895,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against TransUnion for Failure to Provide Proper Verification Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion regarding its failure to properly verify disputed information in my credit report, despite multiple requests. This marks the third time that TransUnion has disregarded my demand for actual documentation and instead relied on automated processing methods that fail to provide meaningful proof. \n\nAdditionally, it has now been over 30 days since my initial request, and TransUnion has failed to provide any response or the required documentation. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to complete investigations within 30 days and provide appropriate verification. TransUnions continued lack of compliance is a direct violation of my consumer rights.\n\nThis delay has significantly impacted my ability to secure a mortgage, and I find TransUnions response to be both inadequate and dismissive of its legal obligations. I am requesting that the CFPB intervene to hold TransUnion accountable and ensure they comply with the FCRA by providing the proper documentation to verify the disputed information. \n\nPlease advise on the necessary steps to resolve this matter as quickly as possible. I appreciate your assistance in ensuring proper compliance from TransUnion.","date_sent_to_company":"2025-06-05T14:58:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19139","tags":null,"has_narrative":true,"complaint_id":"13921571","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-05T14:53:08.000Z","state":"PA","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":["Subject : <em>Formal</em> Complaint Against TransUnion for Failure to Provide Proper Verification <em>Dear</em> Consumer Financial Protection Bureau, I am <em>writing</em> to <em>formally</em> lodge a complaint against TransUnion regarding its failure to properly verify disputed information in my credit report, despite multiple requests. This marks the third time that TransUnion has disregarded my <em>demand</em> for actual documentation and instead relied on automated processing methods that fail to provide meaningful proof."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[21.430895,"13921571"]},{"_index":"complaint-public-v1","_id":"15748448","_score":21.264177,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Immediate Removal of Inaccurate Student Loan Information and {$1000.00} Payment FCRA Violation -- - Dear EdFinancial Compliance Department, I am writing regarding the student loan account erroneously reported on my credit profile, which I have formally disputed due to inaccuracy and lack of verification. \n\nUnder the Fair Credit Reporting Act ( FCRA ), Sections 1681s2 ( b ) and 1681e ( b ), you are legally required to : Conduct a thorough investigation within 30 days of notice of dispute ; Correct or delete any information found to be inaccurate, incomplete, or unverifiable ; Ensure maximum possible accuracy in credit reporting. \n\n\nYour continued failure to comply constitutes a willful violation of federal law. \n\nTherefore, I hereby demand : 1. Immediate removal of the inaccurate student loan information from all credit reporting agencies. \n\n\n2. Payment of {$1000.00} in statutory damages under FCRA 1681n for willful noncompliance. \n\n\n\nPlease provide written confirmation of compliance and payment arrangements within 15 business days from receipt of this email. \n\nFailure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Department of Education, and a federal lawsuit for damages. \n\nSincerely, XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX XXXX","date_sent_to_company":"2025-09-05T12:49:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27360","tags":"Servicemember","has_narrative":true,"complaint_id":"15748448","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-09-05T12:37:56.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : <em>Demand</em> for Immediate Removal of Inaccurate Student Loan Information and {$1000.00} Payment FCRA <em>Violation</em> -- - <em>Dear</em> EdFinancial <em>Compliance</em> Department, I am <em>writing</em> regarding the student loan account erroneously reported on my credit profile, which I have <em>formally</em> disputed due to inaccuracy and lack of verification."]},"sort":[21.264177,"15748448"]},{"_index":"complaint-public-v1","_id":"16716242","_score":20.745245,"_source":{"product":"Debt collection","complaint_what_happened":"Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint and Cease & Desist Request Pursuant to 15 U.S.C.\n\n1692c ( c ) Dear Consumer Financial Protection Bureau Representative, This letter serves as my formal complaint and Cease & Desist request under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). I am writing to report continuous collection activity and communications from the following entities that I believe are in violation of my rights as a consumer under federal law : 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 Pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that these debt XXXX cease all communication with me, my family, my employer, and any third parties. I request that the CFPB investigate these accounts and ensure compliance with federal law. \nContinued collection attempts or contact after receipt of this notice will be considered harassment and a violation of the FDCPA. \nI respectfully request written confirmation that the CFPB has received this complaint and will take appropriate action. I also ask that each named collector be notified to stop all communications with me except as permitted by law ( to confirm compliance or notify of legal action ). \nThank you for your time and for upholding consumer protections under the FDCPA","date_sent_to_company":"2025-10-21T18:46:08.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"10025","tags":null,"has_narrative":true,"complaint_id":"16716242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-10-21T18:12:26.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I request that the <em>CFPB</em> <em>investigate</em> these accounts and ensure <em>compliance</em> with federal law. \nContinued collection attempts or contact after receipt of this notice will be considered harassment and a <em>violation</em> of the FDCPA. \nI respectfully request written confirmation that the <em>CFPB</em> has received this complaint and will take appropriate action."]},"sort":[20.745245,"16716242"]},{"_index":"complaint-public-v1","_id":"14021211","_score":20.537045,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Formal Complaint Unauthorized Hard Inquiries & Violation of FCRA 1681b Dear Compliance Officer, I am writing to formally dispute all hard inquiries made by JPMCB on my credit report without my wet signature authorization, as required under federal law. Per the Fair Credit Reporting Act ( FCRA ) 1681b, a creditor must obtain permissible purpose and express written consent ( including a wet signature ) for hard credit inquiries that impact my creditworthiness.\n\nUpon reviewing my credit report, I identified the following unauthorized inquiries : Creditor : JPMorgan Chase Bank Date ( s ) of Inquiry : [ List dates if known ] Credit Bureau ( XXXX ) Affected : [ XXXX ] I demand the following under FCRA 1681i and 1681n : Validation of Authorization : Provide a copy of the wet-signed document granting JPMCB permission to pull my credit, as no such consent was given.\n\nRemoval of Inquiries : Immediately delete all unauthorized inquiries from my credit file.\n\nLegal Compliance : Cease any further credit pulls without explicit written consent.\n\nFailure to resolve this within 30 days will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action for willful non-compliance under FCRA.\n\nAttached, find a copy of my credit report highlighting the disputed inquiries. I expect written confirmation of your investigation and resolution.\n\nSincerely,","date_sent_to_company":"2025-06-11T20:29:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92705","tags":null,"has_narrative":true,"complaint_id":"14021211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-06-11T20:20:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Re : <em>Formal</em> Complaint Unauthorized Hard Inquiries & <em>Violation</em> of FCRA 1681b <em>Dear</em> <em>Compliance</em> Officer, I am <em>writing</em> to <em>formally</em> dispute all hard inquiries made by JPMCB on my credit report without my wet signature authorization, as required under federal law. Per the Fair Credit Reporting Act ( FCRA ) 1681b, a creditor must obtain permissible purpose and express written consent ( including a wet signature ) for hard credit inquiries that impact my creditworthiness."]},"sort":[20.537045,"14021211"]},{"_index":"complaint-public-v1","_id":"9890931","_score":20.472023,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Investigation of Experian for Willful Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) investigate Experian Consumer Services for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This non-compliance has resulted in a violation of my federal rights, causing me significant distress. \n\nOn XX/XX/year>, I sent a dispute to Experian Consumer Services regarding a fraudulent account appearing on my credit report. The dispute was sent to : Experian Consumer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The dispute was sent via certified mail with tracking number XXXX and was received by Experian on XX/XX/year>, at XXXX AM. \n\nDespite my detailed dispute and previous attempts to resolve this issue, including filing a complaint with the CFPB on XX/XX/year> ( XXXX XXXX. XXXX ), I have not received a response. The company in questionXXXX XXXX XXXX XXXX, has not responded to my CFPB complaint, and Experian has failed to conduct a proper investigation of the disputed account. \n\nThis fraudulent account, which is associated with Account XXXX XXXX, is being reported inaccurately on my credit report. I have also filed an FTC report ( Report XXXX. XXXX ) regarding this issue. However, Experian has yet to provide any explanation of how they conducted their investigation or how they verified the legitimacy of this account.\n\nI am deeply concerned about the validity and accuracy of Experians investigation process. The lack of response and proper validation from both Experian and the reporting company constitutes a violation of my rights under the FCRA. This has caused me severe emotional and financial distress, including loss of sleep, for which I have had to take sleeping medication. \n\nI respectfully request that the CFPB take the following actions : Investigate Experian Consumer Services for willful non-compliance with the FCRA. \nDemand the immediate deletion of the fraudulent account ( Account XXXX XXXX ) from my credit report. \nEnsure that Experian provides a notarized affidavit confirming that the information reported is accurate and that their investigation was conducted in compliance with the FCRA. \n\nPlease note that this is my final attempt to resolve this matter before pursuing legal action. \n\nEnclosed are copies of my dispute letter, the FTC report, and the CFPB complaint details. I trust that the CFPB will take swift and decisive action to address this serious matter. \n\nThank you for your attention to this issue. I look forward to your prompt response. \n\nSincerely,","date_sent_to_company":"2024-08-23T00:45:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30312","tags":null,"has_narrative":true,"complaint_id":"9890931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-23T00:36:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Subject : Request for <em>Investigation</em> of Experian for Willful Non-<em>Compliance</em> with the Fair Credit Reporting Act ( FCRA ) <em>Dear</em> Sir/Madam, I am <em>writing</em> to <em>formally</em> request that the Consumer Financial Protection Bureau ( <em>CFPB</em> ) <em>investigate</em> Experian Consumer Services for what I believe to be willful non-<em>compliance</em> with the Fair Credit Reporting Act ( FCRA ). This non-<em>compliance</em> has resulted in a <em>violation</em> of my federal rights, causing me significant distress."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[20.472023,"9890931"]},{"_index":"complaint-public-v1","_id":"11961454","_score":20.439774,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Cease and Desist letter specifically referencing the Consumer Financial Protection Bureau ( CFPB ), XXXX, and 15 U.S.C. 1682cc, which mandates the correction of inaccurate information on consumer credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ill XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX Subject : Cease and Desist Demand Violation of 15 U.S.C. 1682cc and CFPB Oversight Dear Sir/Madam, I am writing to formally demand that XXXX immediately cease and desist from continuing to report inaccurate, outdated, or otherwise erroneous information on my credit report. Despite prior communications and efforts to resolve this issue, XXXX has failed to correct or remove inaccurate information in violation of my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1682cc.\n\nAs outlined in 15 U.S.C. 1682cc, credit reporting agencies are required to promptly investigate and correct inaccurate or incomplete information. Your failure to comply with this requirement has harmed my creditworthiness and is a direct violation of my rights. Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) enforces these provisions and has taken action in the past against credit reporting agencies for non-compliance. \n\nTherefore, I am demanding the following actions:1. Immediate removal of the inaccurate information from my credit report.\n\n2. Written confirmation that the inaccurate information has been corrected and my credit report is now fully accurate.\n\n3. Cease all reporting of inaccurate information to third parties, including lenders, financial institutions, and any other relevant entities.\n\n4. A formal acknowledgment that any further violations of the Fair Credit Reporting Act ( FCRA ) could result in a formal complaint to the CFPB and potential legal action, including the possibility of seeking damages for the harm caused Please be advised that this letter serves as a formal demand for you to cease and desist all actions that violate my rights under 15 U.S.C. 1682cc. If this matter is not resolved within XXXX  days from the date of this letter, I will have no choice but to file a formal complaint with the CFPB and pursue all available legal remedies against XXXX, including potential litigation. \n\nFailure to comply with my request and failure to adhere to the requirements set forth by the FCRA may also result in the initiation of legal proceedings for damages, attorney fees, and any other remedies available under the law. \nI expect prompt action to rectify this issue. If you have any questions, please contact me at ( XXXX ) XXXX XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2025-02-06T09:30:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60619","tags":null,"has_narrative":true,"complaint_id":"11961454","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T09:12:33.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Cease and Desist letter specifically referencing the Consumer Financial Protection Bureau ( <em>CFPB</em> ), XXXX, and 15 U.S.C. 1682cc, which mandates the correction of inaccurate information on consumer credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ill XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX Subject : Cease and Desist <em>Demand</em> <em>Violation</em> of 15 U.S.C. 1682cc and <em>CFPB</em> Oversight <em>Dear</em> Sir/Madam, I am <em>writing</em> to <em>formally</em> <em>demand</em> that XXXX immediately cease and desist"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.439774,"11961454"]},{"_index":"complaint-public-v1","_id":"12054916","_score":20.436409,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii XXXX XXXX XXXX XX/XX/year> CFPB Subject : Formal Dispute and Notice of Civil Liability for Non-Compliance and Negligence Under 15 U.S.C. 1681o Dear CFPB, I am writing to formally dispute inaccurate information in my credit report and to notify you of your potential civil liability for non-compliance and negligence under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o.\n\nAccording to the FCRA, consumer reporting agencies and data furnishers are required to ensure the accuracy and proper investigation of consumer disputes. Despite my prior attempts to rectify inaccuracies, you have failed to take the necessary corrective actions, thereby violating my rights under the law. \n\nThe inaccurate information in question includes : -Southwest credit system - XXXX  XXXX XXXX XXXX Your continued failure to properly investigate, correct, or delete inaccurate, misleading, or unverifiable information constitutes negligence under 15 U.S.C. 1681o. Under this provision, any person who negligently fails to comply with FCRA requirements is liable for actual damages sustained by the consumer, as well as court costs and attorneys fees.\n\nTo resolve this matter, I demand the following actions be taken immediately : A thorough reinvestigation of the disputed item ( s ), with written confirmation of the results.\n\nImmediate removal or correction of the inaccurate information.\n\nA written statement confirming compliance with my request and a copy of my updated credit report.\n\nIf this issue is not resolved within the timeframe required by law, I will have no choice but to pursue legal remedies, including seeking monetary damages as allowed under 15 U.S.C. 1681o.\n\nPlease consider this letter as my final attempt to resolve this matter amicably. If I do not receive a satisfactory response within [ 30 days or the appropriate legal timeframe ], I will take further action as necessary to protect my rights.\n\nI request that all future correspondence regarding this dispute be in writing. You may send your response to the address provided above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-12T04:50:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"96826","tags":null,"has_narrative":true,"complaint_id":"12054916","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2025-02-12T04:50:31.000Z","state":"HI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii XXXX XXXX XXXX XX/XX/year> <em>CFPB</em> Subject : <em>Formal</em> Dispute and Notice of Civil Liability for Non-<em>Compliance</em> and Negligence Under 15 U.S.C. 1681o <em>Dear</em> <em>CFPB</em>, I am <em>writing</em> to <em>formally</em> dispute inaccurate information in my credit report and to notify you of your potential civil liability for non-<em>compliance</em> and negligence under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.436409,"12054916"]},{"_index":"complaint-public-v1","_id":"12034937","_score":20.436409,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB Subject : Formal Dispute and Notice of Civil Liability for Non-Compliance and Negligence Under 15 U.S.C. 1681o Dear CFPB, I am writing to formally dispute inaccurate information in my credit report and to notify you of your potential civil liability for non-compliance and negligence under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. \n\nAccording to the FCRA, consumer reporting agencies and data furnishers are required to ensure the accuracy and proper investigation of consumer disputes. Despite my prior attempts to rectify inaccuracies, you have failed to take the necessary corrective actions, thereby violating my rights under the law. \n\nThe inaccurate information in question includes XXXX XXXX XXXX XXXX XXXX Ad Astra recovery service Your continued failure to properly investigate, correct, or delete inaccurate, misleading, or unverifiable information constitutes negligence under 15 U.S.C. 1681o. Under this provision, any person who negligently fails to comply with FCRA requirements is liable for actual damages sustained by the consumer, as well as court costs and attorneys fees. \n\nTo resolve this matter, I demand the following actions be taken immediately : A thorough reinvestigation of the disputed item ( s ), with written confirmation of the results. \nImmediate removal or correction of the inaccurate information.\n\nA written statement confirming compliance with my request and a copy of my updated credit report.\n\nIf this issue is not resolved within the timeframe required by law, I will have no choice but to pursue legal remedies, including seeking monetary damages as allowed under 15 U.S.C. 1681o. \n\nPlease consider this letter as my final attempt to resolve this matter amicably. If I do not receive a satisfactory response within [ 30 days or the appropriate legal timeframe ], I will take further action as necessary to protect my rights. \n\nI request that all future correspondence regarding this dispute be in writing. You may send your response to the address provided above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-12T04:50:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"96826","tags":null,"has_narrative":true,"complaint_id":"12034937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2025-02-12T04:27:27.000Z","state":"HI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  <em>CFPB</em> Subject : <em>Formal</em> Dispute and Notice of Civil Liability for Non-<em>Compliance</em> and Negligence Under 15 U.S.C. 1681o <em>Dear</em> <em>CFPB</em>, I am <em>writing</em> to <em>formally</em> dispute inaccurate information in my credit report and to notify you of your potential civil liability for non-<em>compliance</em> and negligence under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.436409,"12034937"]},{"_index":"complaint-public-v1","_id":"16561195","_score":20.340717,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> TransUnion P.O. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Demand for Full Investigation Inaccurate and Unverifiable Credit Reporting Dear TransUnion, I am writing to formally dispute the reporting of inaccurate and/or unverifiable information on my credit report. These inaccuracies are causing direct harm to my financial stability, reputation, and access to credit.\n\nPursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), your agency is legally obligated to conduct a reasonable investigation of disputed information. If the information can not be verified through proper documentation, it must be promptly corrected or deleted. \nXXXX. Legal Violations and Consumer Protection Context The Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against major credit bureaus, including Experian, for failing to properly investigate consumer disputes. These violations include, but are not limited to : Failing to conduct a meaningful investigation. \nReinserting previously disputed or inaccurate information without proper justification. Failing to notify consumers of the results in a clear and transparent manner. \nGiven this record of misconduct, I am putting your bureau on notice : any mishandling of my dispute constitutes willful and/or negligent violations of the FCRA, exposing your organization to liability under 15 U.S.C. 1681n and 1681o.\n\nXXXX. Specific Demands I hereby demand that your agency : Conduct a lawful, good-faith investigation of each disputed account. \nProvide all documentation that substantiates any verified information. \nDelete or correct all unverifiable or inaccurate information immediately. \nProvide written confirmation of each action taken within the statutory XXXX window. \nXXXX. Escalation and Enforcement This dispute is simultaneously being documented with the CFPB. Should your agency fail to comply fully with federal law, I will : File formal complaints with the CFPB and the Federal Trade Commission ( FTC ). Pursue all legal remedies available, including damages for willful or negligent noncompliance. Submit documentation to state regulators and consumer protection agencies. \nXXXX. Notice of Rights Under 15 U.S.C. 1681g, I am entitled to a full disclosure of my credit file, and under 1681i ( a ) ( 6 ), I am entitled to a written description of your investigation results. If the disputed information is not verified with actual evidence, it must be deleted from my credit report. \nI expect prompt and full compliance within the XXXX timeframe required by law. Sincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-15T00:00:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33617","tags":null,"has_narrative":true,"complaint_id":"16561195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-14T22:43:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX, PA XXXX Subject : <em>Formal</em> Dispute and <em>Demand</em> for Full <em>Investigation</em> Inaccurate and Unverifiable Credit Reporting <em>Dear</em> TransUnion, I am <em>writing</em> to <em>formally</em> dispute the reporting of inaccurate and/or unverifiable information on my credit report. These inaccuracies are causing direct harm to my financial stability, reputation, and access to credit."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.340717,"16561195"]},{"_index":"complaint-public-v1","_id":"16528275","_score":20.340717,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Demand for Full Investigation Inaccurate and Unverifiable Credit Reporting Dear TransUnion, I am writing to formally dispute the reporting of inaccurate and/or unverifiable information on my credit report. These inaccuracies are causing direct harm to my financial stability, reputation, and access to credit.\n\nPursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), your agency is legally obligated to conduct a reasonable investigation of disputed information. If the information can not be verified through proper documentation, it must be promptly corrected or deleted.\n\n1. Legal Violations and Consumer Protection Context The Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against major credit bureaus, including XXXX, for failing to properly investigate consumer disputes. These violations include, but are not limited to : Failing to conduct a meaningful investigation.\n\nReinserting previously disputed or inaccurate information without proper justification. Failing to notify consumers of the results in a clear and transparent manner.\n\nGiven this record of misconduct, I am putting your bureau on notice : any mishandling of my dispute constitutes willful and/or negligent violations of the FCRA, exposing your organization to liability under 15 U.S.C. 1681n and 1681o.\n\n2. Specific Demands I hereby demand that your agency : Conduct a lawful, good-faith investigation of each disputed account.\n\nProvide all documentation that substantiates any verified information.\n\nDelete or correct all unverifiable or inaccurate information immediately.\n\nProvide written confirmation of each action taken within the statutory 30-day window.\n\n3. Escalation and Enforcement This dispute is simultaneously being documented with the CFPB. Should your agency fail to comply fully with federal law, I will : File formal complaints with the CFPB and the Federal Trade Commission ( FTC ). Pursue all legal remedies available, including damages for willful or negligent noncompliance. Submit documentation to state regulators and consumer protection agencies.\n\n4. Notice of Rights Under 15 U.S.C. 1681g, I am entitled to a full disclosure of my credit file, and under 1681i ( a ) ( 6 ), I am entitled to a written description of your investigation results. If the disputed information is not verified with actual evidence, it must be deleted from my credit report.\n\nI expect prompt and full compliance within the 30-day timeframe required by law. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-10-12T23:30:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33617","tags":null,"has_narrative":true,"complaint_id":"16528275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-12T23:25:10.000Z","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":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : <em>Formal</em> Dispute and <em>Demand</em> for Full <em>Investigation</em> Inaccurate and Unverifiable Credit Reporting <em>Dear</em> TransUnion, I am <em>writing</em> to <em>formally</em> dispute the reporting of inaccurate and/or unverifiable information on my credit report. These inaccuracies are causing direct harm to my financial stability, reputation, and access to credit."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.340717,"16528275"]},{"_index":"complaint-public-v1","_id":"16585728","_score":20.296005,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX. \nXXXX XXXX, CA XXXX Subject : Formal Dispute and Demand for Full Investigation Inaccurate and Unverifiable Credit Reporting Dear Experian, I am writing to formally dispute the reporting of inaccurate and/or unverifiable information on my credit report. These inaccuracies are causing direct harm to my financial stability, reputation, and access to credit. \nPursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), your agency is legally obligated to conduct a reasonable investigation of disputed information. If the information can not be verified through proper documentation, it must be promptly corrected or deleted. \nXXXX. Legal Violations and Consumer Protection Context The Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against major credit bureaus, including Experian, for failing to properly investigate consumer disputes. These violations include, but are not limited to : Failing to conduct a meaningful investigation. \nReinserting previously disputed or inaccurate information without proper justification. Failing to notify consumers of the results in a clear and transparent manner. \nGiven this record of misconduct, I am putting your bureau on notice : any mishandling of my dispute constitutes willful and/or negligent violations of the FCRA, exposing your organization to liability under 15 U.S.C. 1681n and 1681o.\n\n2. Specific Demands I hereby demand that your agency : Conduct a lawful, good-faith investigation of each disputed account. \nProvide all documentation that substantiates any verified information. \nDelete or correct all unverifiable or inaccurate information immediately. \nProvide written confirmation of each action taken within the statutory XXXX window. \nXXXX. Escalation and Enforcement This dispute is simultaneously being documented with the CFPB. Should your agency fail to comply fully with federal law, I will : File formal complaints with the CFPB and the Federal Trade Commission ( FTC ). Pursue all legal remedies available, including damages for willful or negligent noncompliance. Submit documentation to state regulators and consumer protection agencies. \nXXXX. Notice of Rights Under 15 U.S.C. 1681g, I am entitled to a full disclosure of my credit file, and under 1681i ( a ) ( 6 ), I am entitled to a written description of your investigation results. If the disputed information is not verified with actual evidence, it must be deleted from my credit report. \nI expect prompt and full compliance within the XXXX timeframe required by law. Sincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-14T22:44:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33617","tags":null,"has_narrative":true,"complaint_id":"16585728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-14T22:40:13.000Z","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":["XXXX XXXX, CA XXXX Subject : <em>Formal</em> Dispute and <em>Demand</em> for Full <em>Investigation</em> Inaccurate and Unverifiable Credit Reporting <em>Dear</em> Experian, I am <em>writing</em> to <em>formally</em> dispute the reporting of inaccurate and/or unverifiable information on my credit report. These inaccuracies are causing direct harm to my financial stability, reputation, and access to credit."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.296005,"16585728"]},{"_index":"complaint-public-v1","_id":"16525993","_score":20.296005,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX. \nXXXX, GA XXXX Subject : Formal Dispute and Demand for Full Investigation Inaccurate and Unverifiable Credit Reporting Dear Equifax, I am writing to formally dispute the reporting of inaccurate and/or unverifiable information on my credit report. These inaccuracies are causing direct harm to my financial stability, reputation, and access to credit.\n\nPursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), your agency is legally obligated to conduct a reasonable investigation of disputed information. If the information can not be verified through proper documentation, it must be promptly corrected or deleted.\n\n1. Legal Violations and Consumer Protection Context The Consumer Financial Protection Bureau ( CFPB ) has recently taken enforcement action against major credit bureaus, including XXXX, for failing to properly investigate consumer disputes. These violations include, but are not limited to : Failing to conduct a meaningful investigation.\n\nReinserting previously disputed or inaccurate information without proper justification. Failing to notify consumers of the results in a clear and transparent manner.\n\nGiven this record of misconduct, I am putting your bureau on notice : any mishandling of my dispute constitutes willful and/or negligent violations of the FCRA, exposing your organization to liability under 15 U.S.C. 1681n and 1681o.\n\n2. Specific Demands I hereby demand that your agency : Conduct a lawful, good-faith investigation of each disputed account.\n\nProvide all documentation that substantiates any verified information.\n\nDelete or correct all unverifiable or inaccurate information immediately.\n\nProvide written confirmation of each action taken within the statutory 30-day window.\n\n3. Escalation and Enforcement This dispute is simultaneously being documented with the CFPB. Should your agency fail to comply fully with federal law, I will : File formal complaints with the CFPB and the Federal Trade Commission ( FTC ). Pursue all legal remedies available, including damages for willful or negligent noncompliance. Submit documentation to state regulators and consumer protection agencies.\n\n4. Notice of Rights Under 15 U.S.C. 1681g, I am entitled to a full disclosure of my credit file, and under 1681i ( a ) ( 6 ), I am entitled to a written description of your investigation results. If the disputed information is not verified with actual evidence, it must be deleted from my credit report.\n\nI expect prompt and full compliance within the 30-day timeframe required by law. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-10-12T23:20:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33617","tags":null,"has_narrative":true,"complaint_id":"16525993","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-12T23:15:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX, GA XXXX Subject : <em>Formal</em> Dispute and <em>Demand</em> for Full <em>Investigation</em> Inaccurate and Unverifiable Credit Reporting <em>Dear</em> Equifax, I am <em>writing</em> to <em>formally</em> dispute the reporting of inaccurate and/or unverifiable information on my credit report. These inaccuracies are causing direct harm to my financial stability, reputation, and access to credit."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.296005,"16525993"]},{"_index":"complaint-public-v1","_id":"16152298","_score":20.276083,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC Dispute Resolution Department XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Resolution of Credit Report Dispute Failure to Verify Identity and Comply with FCRA Dear Equifax Dispute Resolution Team, I am writing to formally demand an immediate resolution of my credit dispute submitted on XX/XX/year>XXXX  regarding inaccurate information on my credit report. \n\nDespite providing all required identity verification documents as requested, your recent communication falsely claims that you are unable to verify my identity. This is inaccurate and unacceptable. I have complied fully with your documentation requests, and any continued refusal or delay in investigating my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires your prompt and reasonable investigation of disputed information within 30 days.\n\nTo date, it has been well over the legally mandated period, and I have not received any substantive response or results from your investigation. This failure to act is causing harm to my creditworthiness and personal financial standing. \n\nTherefore, I demand the following : A full and fair reinvestigation of the disputed information. \n\nImmediate correction or deletion of any inaccurate or unverifiable data.\n\nA written report of your findings and actions taken. \n\nConfirmation that my identity has been verified with the documents previously submitted. \n\nPlease consider this letter a formal notification that if you do not provide a complete and satisfactory response within 15 calendar days from the date of this letter, I will have no choice but to escalate this matter by filing formal complaints with regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ), my state Attorney Generals office, and consider pursuing legal action for non-compliance with the FCRA.\n\nI expect your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX.","date_sent_to_company":"2025-09-24T19:18:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33897","tags":null,"has_narrative":true,"complaint_id":"16152298","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-24T19:14:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX, GA XXXX Subject : <em>Formal</em> <em>Demand</em> for Resolution of Credit Report Dispute Failure to Verify Identity and Comply with FCRA <em>Dear</em> Equifax Dispute Resolution Team, I am <em>writing</em> to <em>formally</em> <em>demand</em> an immediate resolution of my credit dispute submitted on XX/XX/year>XXXX  regarding inaccurate information on my credit report. \n\nDespite providing all required identity verification documents as requested, your recent communication falsely claims that you are unable to verify my identity."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[20.276083,"16152298"]},{"_index":"complaint-public-v1","_id":"11705435","_score":20.196932,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XXXX XXXX2024 TransUnion LLC XX/XX/XXXX XX/XX/XXXX XXXX, PA XXXX Subject : Metro 2 Compliance Violations and FCRA Breaches Demand for Removal of Inaccuracies Dear TransUnion Dispute Department, I am writing to formally demand the immediate removal of several inaccurate entries from my credit report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and fail to comply with Metro 2 reporting standards, as established by the Consumer Data Industry Association ( CDIA ).\n\nSpecific Violations Bankruptcy Reporting : The bankruptcy recorded on my credit profile is non-compliant with Metro 2 standards and violates FCRA 1681e ( b ), which mandates that consumer reporting agencies ensure maximum possible accuracy. The data inaccurately reflects the status, date, and type of bankruptcy, materially misleading potential creditors.\n\nLate Payments : Late payment entries are riddled with errors in dates and payment history, failing to meet Metro 2 Format requirements for accurate reporting under the Credit Reporting Resource Guide ( CRRG ). These inaccuracies violate FCRA 1681i ( a ), which requires a reasonable investigation of disputed information.\n\nTerminated/Closed Accounts : Several accounts marked as closed on my report fail to conform to Metro 2 standards for proper coding of account statuses ( e.g., paid and closed or transferred ). This violates FCRA 1681s-2 ( a ), which obligates furnishers to report accurate and complete information.\n\nSham Investigations : Your agencys dispute resolution process appears to lack compliance with FCRA 1681i ( a ) ( 1 ) ( A ), which requires a thorough and reasonable investigation of disputed items. Verifications are often completed in an unreasonably short time frame without proper documentation or notice, suggesting a superficial or sham investigation process.\n\nLegal and Regulatory Framework Under the FCRA : Consumers have the right to dispute inaccuracies ( 1681i ).\n\nFurnishers must ensure accuracy when reporting information ( 1681s-2 ).\n\nCredit bureaus must maintain procedures to ensure maximum possible accuracy ( 1681e ).\n\nAdditionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized strict adherence to Metro 2 standards for accurate reporting and robust dispute resolution processes28. Non-compliance with these standards undermines data integrity and violates federal law9.\n\nDemands for Immediate Action I demand that TransUnion take the following actions within 30 days, as required by FCRA 1681i ( a ) ( 1 ) : Remove all inaccurate bankruptcy entries from my credit report.\n\nCorrect or delete all late payment entries that fail Metro 2 compliance standards.\n\nUpdate terminated/closed accounts to reflect accurate statuses per Metro 2 guidelines.\n\nConduct a legitimate reinvestigation of all disputed items, providing documentation for any verified entries.\n\nFailure to comply will result in formal complaints filed with the CFPB, Federal Trade Commission ( FTC ), and other regulatory bodies. I also reserve the right to pursue legal action under FCRA 1681n for willful non-compliance or 1681o for negligent violations","date_sent_to_company":"2025-01-23T17:09:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"681XX","tags":null,"has_narrative":true,"complaint_id":"11705435","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-23T16:29:46.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Date : XXXX XXXX2024 TransUnion LLC XX/XX/XXXX XX/XX/XXXX XXXX, PA XXXX Subject : Metro 2 <em>Compliance</em> <em>Violations</em> and FCRA Breaches <em>Demand</em> for Removal of Inaccuracies <em>Dear</em> TransUnion Dispute Department, I am <em>writing</em> to <em>formally</em> <em>demand</em> the immediate removal of several inaccurate entries from my credit report."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[20.196932,"11705435"]},{"_index":"complaint-public-v1","_id":"11878979","_score":20.178131,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Here is a copy of the issue, outlined in a letter provided to Experian as with the initial complaint, Experian chose to reopen the dispute after the legally designated time from, neglecting to provide the method of investigation and sources investigated as requested in the initial complaint and required by law. \n\nSubject : Unauthorized Dispute Investigation & Non-Compliance with FCRA Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, Experian Dispute Resolution Team ; I am writing to formally address Experians unauthorized reopening of a dispute that was already finalized on XX/XX/year>. Your own prior correspondence confirms this closure, yet you have now taken the liberty to reinitiate an investigation without my authorization and beyond the legally mandated timeframe under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ).\n\nViolation of Investigation Timeframe & Due Process The FCRA mandates that disputes be resolved within 30 days ( or 45 days if supporting documentation is requested from the consumer ). \n\nIn this case, you did not request any supporting documentation from me, and the dispute was closed on XX/XX/XXXX, XXXX beyond the permissible period for Experian to reinvestigate.\n\nYour unauthorized actions constitute non-compliance with FCRA regulations and infringe upon my rights as a consumer.\n\nImmediate Actions Required 1. Cease & Close Unauthorized Investigation This dispute was not initiated or authorized by me, and your continued investigation is improper and unlawful.\n\n2. Permanently Remove Disputed Items The disputed items included in my CFPB complaint must be permanently removed, as XXXX failure to investigate properly within the legal time frame invalidates the prior reporting.\n\n3. Provide Required Investigation Details My CFPB complaint specifically requested XXXX method of investigation, sources used, and validation of compliance. You previously refused to provide this legally required information. Reopening the dispute post-closure in an attempt to rectify past failures is both a bad faith practice and a direct violation of consumer protection laws.\n\nLegal and Regulatory Compliance Failure Experians unauthorized actions reflect a failure to uphold the integrity of the credit reporting process and demonstrate a clear attempt to circumvent accountability. Further, any attempt to retroactively amend or cover investigative deficiencies beyond the lawful timeframe will be construed as willful noncompliance.\n\nThis documented record substantiates a settlement demand for damages, as Experian continues to engage in unfair and deceptive practices that violate the FCRA, the Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 ), and due process rights afforded to consumers.\n\nPlease provide written confirmation that : 1. The unauthorized investigation has been immediately closed.\n\n2. The disputed items have been permanently removed in accordance with FCRA compliance. \n\n\nXXXX. A formal record of XXXX compliance failures will be documented and corrected per procedural standards.\n\nFailure to address this matter properly may result in additional regulatory complaints and legal action. Please confirm compliance with the above requests at your earliest convenience. \n\nSincerely, XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-01-31T07:11:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"618XX","tags":null,"has_narrative":true,"complaint_id":"11878979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T06:55:15.000Z","state":"IL","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":["Subject : Unauthorized Dispute <em>Investigation</em> & Non-<em>Compliance</em> with FCRA <em>Dear</em> XXXX XXXX, XXXX XXXX, XXXX XXXX, Experian Dispute Resolution Team ; I am <em>writing</em> to <em>formally</em> address Experians unauthorized reopening of a dispute that was already finalized on XX/XX/year>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[20.178131,"11878979"]},{"_index":"complaint-public-v1","_id":"15750019","_score":20.174837,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Demand for Immediate Removal of Inaccurate Student Loan Information and {$1000.00} Payment FCRA Violation -- - Dear XXXX XXXX Department, I am writing regarding the student loan account erroneously reported on my credit profile, which I have formally disputed due to inaccuracy and lack of verification. \n\nUnder the Fair Credit Reporting Act ( FCRA ), Sections 1681s2 ( b ) and 1681e ( b ), you are legally required to : Conduct a thorough investigation within 30 days of notice of dispute ; Correct or delete any information found to be inaccurate, incomplete, or unverifiable ; Ensure maximum possible accuracy in credit reporting.\n\nYour continued failure to comply constitutes a willful violation of federal law. \n\nTherefore, I hereby demand : XXXX. Immediate removal of the inaccurate student loan information from all credit reporting agencies. \n\n\nXXXX. Payment of {$1000.00} in statutory damages under FCRA 1681n for willful noncompliance.\n\nPlease provide written confirmation of compliance and payment arrangements within XXXX business days from receipt of this email. \n\nFailure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Department of Education, and a federal lawsuit for damages. \n\nSincerely, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : XXXX Email : XXXX XXXX","date_sent_to_company":"2025-09-05T12:49:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27360","tags":"Servicemember","has_narrative":true,"complaint_id":"15750019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-05T12:48:58.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : <em>Demand</em> for Immediate Removal of Inaccurate Student Loan Information and {$1000.00} Payment FCRA <em>Violation</em> -- - <em>Dear</em> XXXX XXXX Department, I am <em>writing</em> regarding the student loan account erroneously reported on my credit profile, which I have <em>formally</em> disputed due to inaccuracy and lack of verification."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[20.174837,"15750019"]},{"_index":"complaint-public-v1","_id":"12649912","_score":20.050076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute Under XXXX XXXX Code XXXX Negligence in Non-Compliance Dear XXXX XXXXXXXX XXXX I am writing to dispute multiple erroneous accounts listed on my XXXX credit report that do not belong to me. I have previously disputed these inaccuracies, yet you failed to conduct a reasonable investigation, verify the accounts, or remove them as required under the Fair Credit Reporting Act ( FCRA ). Your failure to comply constitutes negligence in non-compliance under XXXX XXXX. XXXX, making you liable for damages. \n\nThe following accounts are fraudulent or incorrect and must be removed XXXX XXXX XXXX Midland Credit XXXX XXXX ( Include additional accounts as necessary. ) Violations and Legal Liability Under the FCRA, XXXX is required to : XXXX. Conduct a thorough investigation within XXXX  days of receiving a dispute. \nXXXX. Verify the accuracy of reported accounts and delete unverifiable or incorrect information. \nXXXX. Ensure my credit report is fair and accurate, as reporting incorrect data can cause financial harm. \n\nSince you have failed to meet these legal obligations, I am holding XXXX accountable for negligent non-compliance and financial damages. \n\nDemand for Resolution I demand the immediate removal of these inaccurate accounts from my credit file. In addition, I request : XXXX. A detailed explanation of your investigation process. \nXXXX. A new copy of my updated credit report reflecting these corrections. \nXXXX. Compensation for damages caused by your negligence, including financial losses and emotional distress. \n\nFinal Notice Before Legal Action If this matter is not resolved within XXXX  days of receipt of this letter, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. \nPursue legal action for damages under XXXX XXXX. XXXX, seeking financial compensation. \n\nThis letter serves as formal notice, and failure to comply will result in legal consequences. I expect a written response at the address provided above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-25T09:28:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12649912","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-03-25T08:54:10.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> Dispute Under XXXX XXXX Code XXXX Negligence in Non-<em>Compliance</em> <em>Dear</em> XXXX XXXXXXXX XXXX I am <em>writing</em> to dispute multiple erroneous accounts listed on my XXXX credit report that do not belong to me. I have previously disputed these inaccuracies, yet you failed to conduct a reasonable <em>investigation</em>, verify the accounts, or remove them as required under the Fair Credit Reporting Act ( FCRA ). Your failure to comply constitutes negligence in non-<em>compliance</em> under XXXX XXXX."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.050076,"12649912"]},{"_index":"complaint-public-v1","_id":"12623090","_score":20.005098,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute Under 15 U.S. Code 1681o Negligence in Non-Compliance Dear XXXX Dispute Department, I am writing to dispute multiple erroneous accounts listed on my XXXX credit report that do not belong to me. I have previously disputed these inaccuracies, yet you failed to conduct a reasonable investigation, verify the accounts, or remove them as required under the Fair Credit Reporting Act ( FCRA ). Your failure to comply constitutes negligence in non-compliance under 15 U.S.C. 1681o, making you liable for damages.\n\nThe following accounts are fraudulent or incorrect and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Include additional accounts as necessary. ) Violations and Legal Liability Under the FCRA, XXXX is required to : 1. Conduct a thorough investigation within 30 days of receiving a dispute. \n2. Verify the accuracy of reported accounts and delete unverifiable or incorrect information.\n\n3. Ensure my credit report is fair and accurate, as reporting incorrect data can cause financial harm.\n\nSince you have failed to meet these legal obligations, I am holding XXXX accountable for negligent non-compliance and financial damages. \n\nDemand for Resolution I demand the immediate removal of these inaccurate accounts from my credit file. In addition, I request : 1. A detailed explanation of your investigation process.\n\n2. A new copy of my updated credit report reflecting these corrections.\n\n3. Compensation for damages caused by your negligence, including financial losses and emotional distress.\n\nFinal Notice Before Legal Action If this matter is not resolved within 30 days of receipt of this letter, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.\n\nPursue legal action for damages under 15 U.S.C. 1681o, seeking financial compensation. \n\nThis letter serves as formal notice, and failure to comply will result in legal consequences. I expect a written response at the address provided above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-25T09:28:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"12623090","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-03-25T09:28:15.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> Dispute Under 15 U.S. Code 1681o Negligence in Non-<em>Compliance</em> <em>Dear</em> XXXX Dispute Department, I am <em>writing</em> to dispute multiple erroneous accounts listed on my XXXX credit report that do not belong to me. I have previously disputed these inaccuracies, yet you failed to conduct a reasonable <em>investigation</em>, verify the accounts, or remove them as required under the Fair Credit Reporting Act ( FCRA )."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.005098,"12623090"]},{"_index":"complaint-public-v1","_id":"11167878","_score":19.980286,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] To : Experian [ XXXX XXXX XXXX, XXXX XXXX TX XXXX ] Subject : Formal Demand for Compliance Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear Experian Compliance Department , This letter serves as a formal demand for compliance under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding your negligent, mishandling, and mismanagement of my credit file. The specific incidents detailed below outline clear violations of federal statutes and regulations governing credit reporting accuracy and your failure to meet your obligations to protect consumers from abusive and inaccurate reporting practices. \n\nIncident 1 : Negligence in Handling Trade Line from XXXX XXXX XXXX trade line associated with XXXX XXXX was abusively and falsely reported as a charge-off/collection account with an original balance of {$300.00} and a past-due balance of {$470.00}. Despite several disputes submitted to Experian, you denied my challenges without conducting a thorough and reasonable investigation, as required under 15 U.S.C. 1681i of the FCRA. It was only after I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) that this inaccurate trade line was removed from my credit file. \n\nYour failure to address this issue in a timely and accurate manner caused undue harm to my creditworthiness and violated your obligation under the FCRA to ensure maximum possible accuracy in credit reporti ng ( 15 U.S.C. 1681e ( b ) ). Incident 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXs a\nbusively and falsely reported a collection account purportedly associated with XXXX. Despite my repeated disputes, your investigations failed to address the inaccuracies of the reported debt. This company even provided a fraudulent verification document with fabricated account numbers and dates, yet Experian accepted this document without sufficient scrutiny. \n\nOnce again, it took intervention from the CFPB for this fraudulent trade line to be removed, highlighting your failure to reasonably investigate disputes and protect consumers from abusive debt collection practices, as required under the FDCPA ( 15 U.S.C. 1692 ) and FCRA ( 15 U.S.C. 1681i ).\n\nIncident 3 : Mishandling of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was allowed to report on my credit file for over 80 months despite the account being closed and charged off at {$180.00}, with a cap of {$240.00}. Rather than reflecting accurate information, the trade line was negligently allowed to accumulate month-to-month balances of {$1.00} {$3.00} until its removal, once again, only after CFPB intervention. At the time of removal, the past-due balance fluctuated between {$290.00} and {$290.00}. \n\nThroughout this period, I submitted multiple disputes and demands for verification and investigation to Experian, all of which went ignored or were summarily denied without proper investigation. Even after the CFPB determined that my complaints were valid, Experian provided vague and nonresponsive answers that failed to address any of my valid points, questions, or demands for resolution. \n\nYour negligence in handling this matter caused tremendous damage to my credit file over the years, negatively affecting my financial opportunities and creditworthiness. This extended period of mismanagement further constitutes a clear violation of your obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in reporting and 15 U.S.C. 1681i to conduct reasonable investigations. \n\nDemands for Remediation and Compliance Given the documented failures outlined above, I formally demand the following actions : 1. Immediate Review and Audit : Conduct a full audit of my credit file to identify and address any additional inaccuracies, errors, or violations that may have occurred.\n\n2. Written Confirmation of Compliance : Provide written confirmation of all actions taken to remedy the above issues, including proof that the trade lines from XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX have been permanently removed from my credit file. \n3. Implementation of Corrective Measures : Take steps to ensure your compliance with the FCRA and FDCPA moving forward by improving your investigation and verification processes to prevent similar issues in the future. \n4. Compensation for Damages : Provide compensation for the harm caused to my credit standing, as well as the time, effort, and resources I expended over years of disputes due to your negligence and mismanagement of my credit file. \n\nFailure to comply with these demands will leave me no choice but to pursue further legal remedies available under the FCRA and FDCPA. These remedies may include civil penalties, statutory damages, and attorney fees, as provided under 15 U.S.C. 1681n and 15 U.S.C. 1692k. \n\nPlease respond in writing within 30 days of the receipt of this letter to confirm your compliance and detail the actions taken to resolve this matter. \n\nSincerely, [ XXXX XXXX XXXX ]","date_sent_to_company":"2024-12-16T15:58:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11167878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-16T15:58:37.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] To : Experian [ XXXX XXXX XXXX, XXXX XXXX TX XXXX ] Subject : <em>Formal</em> <em>Demand</em> for <em>Compliance</em> Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) <em>Dear</em> Experian <em>Compliance</em> Department , This letter serves as a <em>formal</em> <em>demand</em> for <em>compliance</em> under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding your negligent, mishandling"],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[19.980286,"11167878"]},{"_index":"complaint-public-v1","_id":"11167831","_score":19.944864,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] To : Experian [ XXXX XXXX XXXX, XXXX XXXX TX XXXX ] Subject : Formal Demand for Compliance Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear Experian Compliance Department , This letter serves as a formal demand for compliance under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding your negligent, mishandling, and mismanagement of my credit file. The specific incidents detailed below outline clear violations of federal statutes and regulations governing credit reporting accuracy and your failure to meet your obligations to protect consumers from abusive and inaccurate reporting practices. \n\nIncident 1 : Negligence in Handling Trade Line from XXXX XXXX A trade line associated with XXXX XXXX was abusively and falsely reported as a charge-off/collection account with an original balance of {$300.00} and a past-due balance of {$470.00}. Despite several disputes submitted to Experian, you denied my challenges without conducting a thorough and reasonable investigation, as required under 15 U.S.C. 1681i of the FCRA. It was only after I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) that this inaccurate trade line was removed from my credit file. \n\nYour failure to address this issue in a timely and accurate manner caused undue harm to my creditworthiness and violated your obligation under the FCRA to ensure maximum possible accuracy in credit reporting ( 15 U.S.C. 1681e ( b ) ).\n\nIncident 2 : Mishandling of XXXX XXXX XXXX XXXX XXXX XXXX XXXX abusively and falsely reported a collection account purportedly associated with XXXX. Despite my repeated disputes, your investigations failed to address the inaccuracies of the reported debt. This company even provided a fraudulent verification document with fabricated account numbers and dates, yet Experian accepted this document without sufficient scrutiny. \n\nOnce again, it took intervention from the CFPB for this fraudulent trade line to be removed, highlighting your failure to reasonably investigate disputes and protect consumers from abusive debt collection practices, as required under the FDCPA ( 15 U.S.C. 1692 ) and FCRA ( 15 U.S.C. 1681i ).\n\nIncident 3 : Mishandling of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was allowed to report on my credit file for over 80 months despite the account being closed and charged off at {$180.00}, with a cap of {$240.00}. Rather than reflecting accurate information, the trade line was negligently allowed to accumulate month-to-month balances of {$1.00} {$3.00} until its removal, once again, only after CFPB intervention. At the time of removal, the past-due balance fluctuated between {$290.00} and {$290.00}. \n\nThroughout this period, I submitted multiple disputes and demands for verification and investigation to Experian, all of which went ignored or were summarily denied without proper investigation. Even after the CFPB determined that my complaints were valid, Experian provided vague and nonresponsive answers that failed to address any of my valid points, questions, or demands for resolution. \n\nYour negligence in handling this matter caused tremendous damage to my credit file over the years, negatively affecting my financial opportunities and creditworthiness. This extended period of mismanagement further constitutes a clear violation of your obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in reporting and 15 U.S.C. 1681i to conduct reasonable investigations. \n\nDemands for Remediation and Compliance Given the documented failures outlined above, I formally demand the following actions : 1. Immediate Review and Audit : Conduct a full audit of my credit file to identify and address any additional inaccuracies, errors, or violations that may have occurred.\n\n2. Written Confirmation of Compliance : Provide written confirmation of all actions taken to remedy the above issues, including proof that the trade lines from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have been permanently removed from my credit file. \n3. Implementation of Corrective Measures : Take steps to ensure your compliance with the FCRA and FDCPA moving forward by improving your investigation and verification processes to prevent similar issues in the future.\n\n4. Compensation for Damages : Provide compensation for the harm caused to my credit standing, as well as the time, effort, and resources I expended over years of disputes due to your negligence and mismanagement of my credit file. \n\nFailure to comply with these demands will leave me no choice but to pursue further legal remedies available under the FCRA and FDCPA. These remedies may include civil penalties, statutory damages, and attorney fees, as provided under 15 U.S.C. 1681n and 15 U.S.C. 1692k.\n\nPlease respond in writing within 30 days of the receipt of this letter to confirm your compliance and detail the actions taken to resolve this matter. \n\nSincerely, [ XXXX XXXX XXXX ]","date_sent_to_company":"2024-12-16T15:58:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11167831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-16T15:35:30.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] To : Experian [ XXXX XXXX XXXX, XXXX XXXX TX XXXX ] Subject : <em>Formal</em> <em>Demand</em> for <em>Compliance</em> Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) <em>Dear</em> Experian <em>Compliance</em> Department , This letter serves as a <em>formal</em> <em>demand</em> for <em>compliance</em> under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding your negligent, mishandling"],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[19.944864,"11167831"]},{"_index":"complaint-public-v1","_id":"12489036","_score":19.895317,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX @ XXXX XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Notice of Non-Compliance Code XXXX Dear TransUnion Dispute Resolution Department, I am writing to formally dispute inaccurate and unauthorized information appearing on my TransUnion credit report. Despite previous attempts to resolve this issue, TransUnion has failed to conduct a proper investigation, remove incorrect data, or comply with the Fair Credit Reporting Act ( FCRA ). This negligence and non-compliance have caused harm to my creditworthiness. \n\nDisputed Information : Account in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute Code : XXXX ( Unauthorized/Fraudulent Activity ) I have disputed this information previously, providing all necessary documentation to prove that this entry is fraudulent, inaccurate, or otherwise unverifiable. However, TransUnion has either failed to investigate within the required timeframe, has not provided a proper resolution, or has improperly reinserted the item without notification. \n\nLegal Violations by TransUnion : Under 15 U.S. Code 1681i, TransUnion is legally obligated to : XXXX. Conduct a reasonable reinvestigation of disputed information within XXXX  days. \nXXXX. Correct or delete inaccurate, incomplete, or unverifiable information. \nXXXX. Notify me of the results of the investigation in writing. \n\nYour failure to comply with these requirements constitutes willful negligence and a violation of my consumer rights under the FCRA. If this matter is not resolved immediately, I will be left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursue legal action for damages caused by this non-compliance. \n\nDemand for Resolution : XXXX. Immediate removal of the inaccurate/fraudulent entry from my credit report. \nXXXX. A written statement confirming the deletion/correction. \nXXXX. A detailed explanation of why TransUnion failed to comply with FCRA requirements. \n\nI have enclosed copies of my previous dispute letters, supporting documentation, and proof of TransUnions failure to act. I expect a response within XXXX  days from the date of this letter. You may contact me at XXXX or XXXXXXXX XXXX XXXXXXXX if further information is required. \n\nThis letter serves as formal notice that I will take further action if my dispute is not resolved promptly. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-03-14T16:26:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85131","tags":null,"has_narrative":true,"complaint_id":"12489036","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-14T15:28:39.000Z","state":"AZ","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":["Notify me of the results of the <em>investigation</em> in <em>writing</em>. \n\nYour failure to comply with these requirements constitutes willful negligence and a <em>violation</em> of my consumer rights under the FCRA. If this matter is not resolved immediately, I will be left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( <em>CFPB</em> ), the Federal Trade Commission ( FTC ), and/or pursue legal action for damages caused by this non-<em>compliance</em>. \n\n<em>Demand</em> for Resolution : XXXX."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.895317,"12489036"]},{"_index":"complaint-public-v1","_id":"9798771","_score":19.876282,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : XXXX Dear CFPB Team, I am writing to formally submit a complaint against Experian regarding their failure to provide documentation and their misleading communications concerning my credit report. Despite my repeated requests for clarification, Experian has not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 605.\n\nExperians online portal indicates that their investigation into the disputed account has been completed and that the account has been updated. However, this contradicts the information previously reported to the CFPB, where the status of my dispute remains unresolved. This discrepancy raises serious concerns about Experians compliance with the FCRA, which mandates that consumers have the right to dispute inaccuracies and receive a thorough investigation.\n\nUnder Section 611 ( a ) of the FCRA, credit reporting agencies are required to conduct a reasonable investigation of a consumers dispute and provide documentation that supports their findings. Experians failure to provide the necessary documentation regarding the disputed account is not only unjust but also a violation of my rights as a consumer. This lack of transparency has resulted in significant financial hardship and emotional distress, impacting my ability to secure credit and manage my financial obligations.\n\nI demand that Experian take immediate action to resolve this matter by providing the documentation supporting their claims. Furthermore, I request that the CFPB investigate this issue thoroughly to ensure Experian complies with the FCRA and takes appropriate action to rectify their reporting practices.\n\nIn addition, due to the financial hardship and emotional stress caused by this situation, I seek guidance on how to pursue compensation for the damages incurred as a result of Experian 's actions. \n\nThank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-08-14T21:38:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"392XX","tags":null,"has_narrative":true,"complaint_id":"9798771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-14T21:26:40.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["RE : XXXX <em>Dear</em> <em>CFPB</em> Team, I am <em>writing</em> to <em>formally</em> submit a complaint against Experian regarding their failure to provide documentation and their misleading communications concerning my credit report. Despite my repeated requests for clarification, Experian has not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 605."],"company_public_response":["Company has responded to the consumer and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[19.876282,"9798771"]},{"_index":"complaint-public-v1","_id":"12062522","_score":19.813885,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Equifax Dispute Department, I am writing to formally demand that you immediately correct my birthdate on my credit report. I have repeatedly submitted requests, along with official government-issued identification, including my drivers license and Social Security card, yet my birthdate remains incorrect on my Equifax report . \nUnder the Fair Credit Reporting Act ( FCRA ) [ XXXX U.S.C. XXXX ], credit reporting agencies are legally required to ensure the accuracy and completeness of consumer information. Your continued failure to correct my identifying information is a direct violation of FCRA XXXX ( b ) and XXXX ( a ), which mandate prompt and accurate corrections to consumer reports upon verification of identity. \nLegal Violations by Equifax : Failure to Correct Inaccurate Personal Information FCRA XXXX ( b ) : My birthdate remains incorrect despite multiple submissions of valid government-issued documentation. Equifax is required by law to maintain accurate consumer records, and your failure to do so is an FCRA violation. Failure to Investigate and Correct Errors in a Timely Manner FCRA XXXX ( a ) : I submitted multiple requests to correct my birthdate, yet no action has been taken. \n\nFCRA XXXX ( a ) requires that corrections be made within 30 days, and your failure to update my information after repeated requests demonstrates clear non-compliance. \nNegligent and Willful Non-Compliance FCRA XXXX & XXXX : Since Equifax has refused to update my personal information, despite sufficient evidence, I have reason to believe this is a case of willful non-compliance. Under FCRA XXXX and XXXX, you are legally liable for damages, attorney fees, and penalties for failing to comply with federal law. \nFinal Demand for Immediate Action I am formally demanding that Equifax immediately correct my birthdate on my credit report and provide written confirmation of this correction within 15 days of receipt of this letter. \nFailure to comply will result in the following actions : I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office regarding Equifaxs failure to comply with FCRA requirements. I will seek legal action against Equifax for willful non-compliance and damages under FCRA XXXX. \nThis letter serves as final notice. If my birthdate is not corrected within 15 days, I will have no choice but to escalate this matter with regulatory authorities.","date_sent_to_company":"2025-02-12T21:09:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30022","tags":null,"has_narrative":true,"complaint_id":"12062522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-12T20:52:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["<em>Dear</em> Equifax Dispute Department, I am <em>writing</em> to <em>formally</em> <em>demand</em> that you immediately correct my birthdate on my credit report. I have repeatedly submitted requests, along with official government-issued identification, including my drivers license and Social Security card, yet my birthdate remains incorrect on my Equifax report . \nUnder the Fair Credit Reporting Act ( FCRA ) [ XXXX U.S.C."]},"sort":[19.813885,"12062522"]},{"_index":"complaint-public-v1","_id":"9891793","_score":19.779797,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Investigation of LexisNexis XXXX XXXX for Willful Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) initiate an investigation into LexisNexis Risk XXXX XXXX XXXX ( LexisNexis XXXX XXXX ) for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ), which has resulted in a violation of my federal rights. \n\nOn XX/XX/year>, I sent a letter to LexisNexis XXXX XXXX XXXX XXXX, requesting validation of their verification of XXXX Record XXXX. This letter was sent via certified mail with tracking number XXXX, and it was received by the LexisNexis XXXX XXXX on XX/XX/year>, at XXXX XXXX at their XXXX XXXX XXXX address in XXXX, GA XXXX. \n\nDespite my request, I have not received a satisfactory response from LexisNexis, nor have they provided any evidence of proper validation of the bankruptcy record in question. This failure to respond appropriately is in direct violation of the FCRA, which mandates that consumer reporting agencies must investigate and verify disputed information within 30 days of receiving a dispute notice. \n\nThe failure of LexisNexis to comply with the FCRA has caused me significant distress, including loss of sleep and the need for sleeping medication. I can no longer tolerate this situation, which has severely impacted my well-being. \n\nI respectfully request that the CFPB take the following actions : Investigate LexisNexis Risk XXXX XXXX XXXX for willful non-compliance with the FCRA. \nDemand the immediate deletion of XXXXXXXX Record XXXX from LexisNexis 's records. \nEnsure that LexisNexis ceases and desists from further dissemination of my personal information without proper validation or my written consent. \nPlease be advised that if LexisNexis fails to comply with this request, I intend to pursue legal action for their willful non-compliance with the FCRA. \n\nEnclosed is a copy of the letter I sent to LexisNexis, as well as documentation from the Bankruptcy Court dated XX/XX/year>, which confirms that they do not provide information regarding case filings or dispositions to credit reporting agencies. \n\nI trust that the CFPB will take swift and decisive action to address this serious matter. I look forward to your prompt response. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-08-22T23:37:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"9891793","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-08-22T23:28:14.000Z","state":"PA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Subject : Request for <em>Investigation</em> of LexisNexis XXXX XXXX for Willful Non-<em>Compliance</em> with the Fair Credit Reporting Act ( FCRA ) <em>Dear</em> Sir/Madam, I am <em>writing</em> to <em>formally</em> request that the Consumer Financial Protection Bureau ( <em>CFPB</em> ) initiate an <em>investigation</em> into LexisNexis Risk XXXX XXXX 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