{"took":146,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":18,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16573337","_score":17.460018,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have received Omni Financial 's final response, in which you refuse to negotiate via letter and demand communication by phone. Your attempt to move this liability negotiation off the record is rejected. \n\nOmni Financial 's persistent conduct demonstrates Willful Non-Compliance with the FCRA and a Reckless Disregard for federal law, meeting the legal threshold for maximum damages in a lawsuit. \n\nI. Evidence of Legal Violations and Willful Non-Compliance Omni has repeatedly failed to conduct a reasonable investigation and correct the inaccurate tradeline : Military Lending Act ( MLA ) Violation & Void Debt : Prohibited Practice : The MLA, 10 U.S.C. 987, prohibits creditors from requiring a service member to use a military allotment to repay a consumer credit transaction. Omni 's Admission : Your communication to the CFPB confirms the loan payment was received via Allotment. This constitutes a legal admission that the loan is void from its inception. \n\nWillfulness : Omni had separate formal notice of the MLA issue in April 2025, yet willfully continued to report this void debt.\n\nIllegal Collection Attempts & Refusal to Communicate in Writing ( FDCPA Violation ) : Your demand that I call Omni to \" resolve your financial concern '' is an illegal collection attempt on a void debt. \n\nYour refusal to negotiate in writing and demand for a phone call is an attempt to evade the creation of a legally enforceable settlement document and will be cited as a further FDCPA violation in court. \n\nFurnishing Inaccurate/Aged Data ( FCRA Violation ) : Omni used documents stating a XXXX Debt Validation date for this account, which originated on XX/XX/XXXX. \n\nData Insertion During Active Dispute ( FCRA Violation ) : On XX/XX/XXXX, while this account was under an active dispute investigation, Omni added new data to the tradeline. Adding new data during a pending investigation is an illegal willful act that interferes with the dispute process. \n\nWillful Data Manipulation ( FCRA Violation ) : Following the formal dispute dated XX/XX/XXXX, Omni refused to delete the void debt. Instead, Omni engaged in willful data modification, altering 9 fields of data on the tradeline. \n\nII. Non-Negotiable Settlement Demand Omni Financial 's cumulative actions trigger a civil cause of action seeking statutory damages of {$100.00} to {$1000.00} per violation under the FCRA and FDCPA, plus attorney 's fees and punitive damages. To avoid an immediate federal lawsuit for all cumulative violations, I demand the following non-negotiable settlement : Immediate Deletion : Permanently delete the Omni Financial tradeline ( # XXXX ) from all three credit bureaus. \n\nCash Settlement : Pay a non-negotiable cash settlement of {$15000.00}. \n\nOmni Financial has 7 calendar days from today 's date to agree to this full settlement in writing. If I do not receive a written agreement by the deadline, I will immediately file suit in XXXX XXXX XXXX and demand a Jury Trial without further notice.","date_sent_to_company":"2025-10-14T14:52:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"74006","tags":"Servicemember","has_narrative":true,"complaint_id":"16573337","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2025-10-14T14:43:04.000Z","state":"OK","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":["Evidence of Legal Violations and Willful Non-Compliance Omni has repeatedly failed to conduct a reasonable <em>investigation</em> and <em>correct</em> the <em>inaccurate</em> <em>tradeline</em> : <em>Military</em> Lending Act ( MLA ) Violation & Void Debt : Prohibited Practice : The MLA, 10 U.S.C. 987, prohibits creditors from requiring a service member to use a <em>military</em> allotment to repay a consumer credit transaction. Omni 's Admission : Your communication to the CFPB confirms the loan payment was received via Allotment."]},"sort":[17.460018,"16573337"]},{"_index":"complaint-public-v1","_id":"15391506","_score":16.252985,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint concerns the XXXX account # XXXXXXXX XXXX XXXX XXXX that is being reported on my credit reports by the original creditor ( XXXX ) to XXXX XXXX, and TransUnion. \n\n\nInaccurate and XXXX XXXX XXXX is reporting this account with serious inconsistencies across the credit bureaus : Date of Last Activity : TransUnion : XX/XX/XXXX | XXXX : XX/XX/XXXX | XXXX XXXX XX/XX/XXXX Account Type : TransUnion : Travel/Entertainment Card | XXXX : Mortgage | XXXX : XXXX XXXX/Public Accommodations Delinquency Status : TransUnion : XXXX Days Late | XXXX : XXXX Days Late | XXXX  : XXXX Days Late This account has also carried multiple negative marks ( XXXX, XXXX, XXXX, XXXX, and XXXX days late ) in past reporting. Yet the data does not match from bureau to bureau. This violates the accuracy requirements under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).\n\nMilitary Protections Ignored The account is flagged as Active Military Duty/ Recalled to Duty. As a servicemember, I am protected under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 39014043 ). Despite this, XXXX has continued to report me as severely delinquent, without showing compliance with the protections the law requires. \n\n\n\nPast Disputes I have disputed this account before. The CRAs dismissed my disputes without resolving the contradictions. Simply accepting a furnishers automated verified response is not a reasonable investigation under FCRA 611 ( a ).\n\nFormal Requests ( FCRA Rights ) 609 ( a ) : I request the original contract and account-level documents.\n\n611 ( a ) ( 1 ) ( A ) : During reinvestigation, unverified information must be deleted or blocked.\n\n611 ( a ) ( 6 ) ( B ) ( iii ) : I request a description of the verification procedure, including the name and contact of the party who verified the data.\n\n623 ( a ) ( 8 ) : This is also a direct dispute to XXXX requiring them to investigate and correct. \n\n\nI need deletion of this account while under investigation, and a cease of negative reporting until the information is fully verified with original documentation. \n\n\n\n\nRequested Resolution XXXX. Require XXXX to produce original documentation ( signed agreement, full payment history, and proof of SCRA compliance ). \n\n\nXXXX. Delete the XXXX tradeline from all three credit bureaus if the inconsistencies can not be reconciled and verified. \n\n\nXXXX. Provide me with the method of verification used. \n\n\nXXXX. Ensure XXXX complies with SCRA before reporting further negative information.\n\nThis account is still with the original creditor, yet it is reported with years of negative history and contradictory data across the bureaus. The information is inaccurate, unverifiable, and ignores my rights under the FCRA and SCRA. I request immediate deletion of this tradeline.","date_sent_to_company":"2025-08-19T14:36:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"796XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15391506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-19T14:35:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The information is <em>inaccurate</em>, unverifiable, and ignores my rights under the FCRA and SCRA. I request immediate deletion of this <em>tradeline</em>."]},"sort":[16.252985,"15391506"]},{"_index":"complaint-public-v1","_id":"15380111","_score":16.18192,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint concerns the XXXX account # XXXXXXXX XXXX XXXX XXXX  that is being reported on my credit reports by the original creditor ( XXXX ) to Experian, XXXX XXXX XXXX \n\n\nInaccurate and Contradictory Reporting XXXX is reporting this account with serious inconsistencies across the credit bureaus : Date of Last Activity : XXXX : XX/XX/XXXX | Experian : XX/XX/XXXX | XXXX : XX/XX/XXXX Account Type : XXXX  : Travel/Entertainment Card | Experian : Mortgage | XXXX  : XXXX XXXXPublic Accommodations  Delinquency Status : XXXX : XXXX Days Late | Experian : XXXX Days Late | XXXX : XXXX Days Late This account has also carried multiple negative marks ( XXXX, XXXX, XXXX, XXXX, and XXXXXXXX days late ) in past reporting. Yet the data does not match from bureau to bureau. This violates the accuracy requirements under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).\n\nMilitary Protections Ignored The account is flagged as Active Military Duty/ Recalled to Duty. As a servicemember, I am protected under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 39014043 ). Despite this, XXXX has continued to report me as severely delinquent, without showing compliance with the protections the law requires. \n\n\n\nPast Disputes I have disputed this account before. The CRAs dismissed my disputes without resolving the contradictions. Simply accepting a furnishers automated verified response is not a reasonable investigation under FCRA 611 ( a ).\n\nFormal Requests ( FCRA Rights ) 609 ( a ) : I request the original contract and account-level documents.\n\n611 ( a ) ( 1 ) ( A ) : During reinvestigation, unverified information must be deleted or blocked.\n\n611 ( a ) ( 6 ) ( B ) ( iii ) : I request a description of the verification procedure, including the name and contact of the party who verified the data.\n\n623 ( a ) ( 8 ) : This is also a direct dispute to XXXX requiring them to investigate and correct. \n\n\nI need deletion of this account while under investigation, and a cease of negative reporting until the information is fully verified with original documentation. \n\n\n\n\nRequested Resolution XXXX. Require XXXX to produce original documentation ( signed agreement, full payment history, and proof of SCRA compliance ). \n\n\nXXXX. Delete the XXXX tradeline from all three credit bureaus if the inconsistencies can not be reconciled and verified. \n\n\nXXXX. Provide me with the method of verification used. \n\n\nXXXX. Ensure XXXX complies with SCRA before reporting further negative information.\n\nThis account is still with the original creditor, yet it is reported with years of negative history and contradictory data across the bureaus. The information is inaccurate, unverifiable, and ignores my rights under the FCRA and SCRA. I request immediate deletion of this tradeline.","date_sent_to_company":"2025-08-19T14:36:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"796XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15380111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-19T14:35:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The information is <em>inaccurate</em>, unverifiable, and ignores my rights under the FCRA and SCRA. I request immediate deletion of this <em>tradeline</em>."]},"sort":[16.18192,"15380111"]},{"_index":"complaint-public-v1","_id":"15379650","_score":16.18192,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint concerns the XXXX account # XXXX XXXX XXXX XXXX  that is being reported on my credit reports by the original creditor ( XXXX ) to XXXX, Equifax, and XXXX. \n\n\n\n\nInaccurate and Contradictory Reporting XXXX is reporting this account with serious inconsistencies across the credit bureaus : Date of Last Activity : XXXX  : XX/XX/XXXX | XXXX  : XX/XX/XXXX | Equifax : XX/XX/XXXX Account Type : XXXX  : Travel/Entertainment Card | XXXX  : Mortgage | Equifax : Real Estate/Public Accommodations Delinquency Status : XXXX  : 120 Days Late | XXXX  : 180 Days Late | Equifax : 120 Days Late This account has also carried multiple negative marks ( 30, 60, 90, 120, and 180 days late ) in past reporting. Yet the data does not match from bureau to bureau. This violates the accuracy requirements under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).\n\nMilitary Protections Ignored The account is flagged as Active Military Duty/ Recalled to Duty. XXXX XXXX XXXX, I am protected under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 39014043 ). Despite this, XXXX has continued to report me as severely delinquent, without showing compliance with the protections the law requires. \n\n\n\n\nPast Disputes I have disputed this account before. The CRAs dismissed my disputes without resolving the contradictions. Simply accepting a furnishers automated verified response is not a reasonable investigation under FCRA 611 ( a ).\n\nFormal Requests ( FCRA Rights ) 609 ( a ) : I request the original contract and account-level documents.\n\n611 ( a ) ( 1 ) ( A ) : During reinvestigation, unverified information must be deleted or blocked.\n\n611 ( a ) ( 6 ) ( B ) ( iii ) : I request a description of the verification procedure, including the name and contact of the party who verified the data.\n\n623 ( a ) ( 8 ) : This is also a direct dispute to XXXX requiring them to investigate and correct. \n\n\nI need deletion of this account while under investigation, and a cease of negative reporting until the information is fully verified with original documentation. \n\n\n\n\nRequested Resolution 1. Require XXXX to produce original documentation ( signed agreement, full payment history, and proof of SCRA compliance ). \n\n\n2. Delete the XXXX tradeline from all three credit bureaus if the inconsistencies can not be reconciled and verified. \n\n\n3. Provide me with the method of verification used. \n\n\n4. Ensure XXXX complies with SCRA before reporting further negative information. \n\n\n\n\nThis account is still with the original creditor, yet it is reported with years of negative history and contradictory data across the bureaus. The information is inaccurate, unverifiable, and ignores my rights under the FCRA and SCRA. I request immediate deletion of this tradeline.","date_sent_to_company":"2025-08-19T14:42:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"796XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15379650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-19T14:38:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The information is <em>inaccurate</em>, unverifiable, and ignores my rights under the FCRA and SCRA. I request immediate deletion of this <em>tradeline</em>."]},"sort":[16.18192,"15379650"]},{"_index":"complaint-public-v1","_id":"15129534","_score":16.160978,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a military spouse protected under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043. I am filing this complaint under my federal rights to dispute, correct, and remove inaccurate or damaging credit information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. \n\nOn or around XX/XX/year>, I was denied housing due to the presence of a fraud alert or freeze that I did not authorize or initiate. This alert is negatively impacting my ability to obtain safe, affordable housing and constitutes a barrier to basic needs. \n\nIn addition, several derogatory remarks, late payments, and collections have been reported across my credit profiles, primarily due to financial disruptions caused by my spouses active-duty service. This includes relocations, job transitions, and time-sensitive gaps that are protected under SCRA, the Equal Credit Opportunity Act ( ECOA ), and CFPB guidelines. \n\nUnder the FCRA ( 15 U.S.C. 1681i ), I am formally requesting : XXXX. Immediate removal of the unauthorized fraud alert/security freeze across all major bureaus. \nXXXX. Deletion or correction of all negative tradelines and derogatory remarks stemming from military-related financial hardship or error. \nXXXX Review of compliance by each credit bureau and any creditor who has failed to follow proper procedure under FCRA 623 regarding dispute handling, accuracy, and prompt correction. \nXXXX. Application of the reasonable investigation requirement as mandated by FCRA, including documented proof from furnishers if they refuse to delete these items. \n\nFurthermore, under FDCPA 809 ( b ), I demand full validation for any debt being reported. If the original creditor can not validate the debt, it must be removed immediately. \n\nAs a military family, I also request this complaint be escalated through all proper CFPB channels and that all credit bureaus be held accountable for violations or mishandling that disproportionately affect servicemembers and their families. I reserve the right to escalate this matter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and, if necessary, pursue legal remedies.","date_sent_to_company":"2025-08-06T10:00:56.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"76544","tags":"Servicemember","has_narrative":true,"complaint_id":"15129534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-06T08:02:32.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am a <em>military</em> spouse protected under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043. I am filing this complaint under my federal rights to dispute, <em>correct</em>, and remove <em>inaccurate</em> or damaging credit information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq."]},"sort":[16.160978,"15129534"]},{"_index":"complaint-public-v1","_id":"15129024","_score":16.158493,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a military spouse protected under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043. I am filing this complaint under my federal rights to dispute, correct, and remove inaccurate or damaging credit information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. \n\nOn or around XX/XX/year>, I was denied housing due to the presence of a fraud alert or freeze that I did not authorize or initiate. This alert is negatively impacting my ability to obtain safe, affordable housing and constitutes a barrier to basic needs. \n\nIn addition, several derogatory remarks, late payments, and collections have been reported across my credit profiles, primarily due to financial disruptions caused by my spouses active-duty service. This includes relocations, job transitions, and time-sensitive gaps that are protected under SCRA, the Equal Credit Opportunity Act ( ECOA ), and CFPB guidelines. \n\nUnder the FCRA ( 15 U.S.C. 1681i ), I am formally requesting : XXXX. Immediate removal of the unauthorized fraud alert/security freeze across all major bureaus. \nXXXX. Deletion or correction of all negative tradelines and derogatory remarks stemming from military-related financial hardship or error. \nXXXX Review of compliance by each credit bureau and any creditor who has failed to follow proper procedure under FCRA 623 regarding dispute handling, accuracy, and prompt correction. \nXXXX. Application of the reasonable investigation requirement as mandated by FCRA, including documented proof from furnishers if they refuse to delete these items. \n\nFurthermore, under FDCPA 809 ( b ), I demand full validation for any debt being reported. If the original creditor can not validate the debt, it must be removed immediately. \n\nAs a military family, I also request this complaint be escalated through all proper CFPB channels and that all credit bureaus be held accountable for violations or mishandling that disproportionately affect servicemembers and their families. I reserve the right to escalate this matter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and, if necessary, pursue legal remedies.","date_sent_to_company":"2025-08-06T10:00:46.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"76544","tags":"Servicemember","has_narrative":true,"complaint_id":"15129024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-06T07:45:46.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am a <em>military</em> spouse protected under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043. I am filing this complaint under my federal rights to dispute, <em>correct</em>, and remove <em>inaccurate</em> or damaging credit information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq."]},"sort":[16.158493,"15129024"]},{"_index":"complaint-public-v1","_id":"15129532","_score":16.150032,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a military spouse protected under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043. I am filing this complaint under my federal rights to dispute, correct, and remove inaccurate or damaging credit information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. \n\nOn or around XX/XX/year>, I was denied housing due to the presence of a fraud alert or freeze that I did not authorize or initiate. This alert is negatively impacting my ability to obtain safe, affordable housing and constitutes a barrier to basic needs. \n\nIn addition, several derogatory remarks, late payments, and collections have been reported across my credit profiles, primarily due to financial disruptions caused by my spouses active-duty service. This includes relocations, job transitions, and time-sensitive gaps that are protected under SCRA, the Equal Credit Opportunity Act ( ECOA ), and CFPB guidelines. \n\nUnder the FCRA ( 15 U.S.C. 1681i ), I am formally requesting : XXXX. Immediate removal of the unauthorized fraud alert/security freeze across all major bureaus. \nXXXX. Deletion or correction of all negative tradelines and derogatory remarks stemming from military-related financial hardship or error. \nXXXX Review of compliance by each credit bureau and any creditor who has failed to follow proper procedure under FCRA 623 regarding dispute handling, accuracy, and prompt correction. \nXXXX. Application of the reasonable investigation requirement as mandated by FCRA, including documented proof from furnishers if they refuse to delete these items. \n\nFurthermore, under FDCPA 809 ( b ), I demand full validation for any debt being reported. If the original creditor can not validate the debt, it must be removed immediately. \n\nAs a military family, I also request this complaint be escalated through all proper CFPB channels and that all credit bureaus be held accountable for violations or mishandling that disproportionately affect servicemembers and their families. I reserve the right to escalate this matter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and, if necessary, pursue legal remedies.","date_sent_to_company":"2025-08-06T11:00:23.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"76544","tags":"Servicemember","has_narrative":true,"complaint_id":"15129532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-06T08:02:32.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am a <em>military</em> spouse protected under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043. I am filing this complaint under my federal rights to dispute, <em>correct</em>, and remove <em>inaccurate</em> or damaging credit information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq."]},"sort":[16.150032,"15129532"]},{"_index":"complaint-public-v1","_id":"14003229","_score":14.539174,"_source":{"product":"Debt collection","complaint_what_happened":"I am an XXXX XXXX XXXX  member who relocates frequently due to XXXX  orders. I recently discovered a negative tradeline from Fair Collections & Outsourcing ( FCO ) for {$960.00} related to a former apartment at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nThis debt is allegedly from XX/XX/XXXX and involves move-out charges ( cleaning, carpet replacement, trash labor, etc. ). However, I was on a joint lease with other tenants, and the debt has been reported only under my name and not theirs, which is inaccurate and unfair. \n\nI was never notified at move-out that any amount was due, nor did I receive any follow-up communication from XXXX XXXX at the time. I only became aware of this when checking my credit report in XXXX. \n\nOn XX/XX/XXXX, FCO sent me what they claimed was validation of the debt, but it was incomplete. It did not include a lease agreement or explanation for why I alone am being held responsible. The charges also appear inflated ( {$550.00} trash removal, {$330.00} carpet ), and I was given no opportunity to dispute them before they were assigned to collections. \n\nI contacted FCO and requested further documentation and clarification. They did not provide adequate proof and refused to remove the item even when I asked to negotiate in good faith. \n\nAs a military member protected under the Servicemembers Civil Relief Act ( SCRA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting this item be investigated and either removed or corrected to reflect shared responsibility or nullification due to lack of proper notice and due process. \n\nI also request the account be marked as \" disputed '' with all credit bureaus during the investigation.","date_sent_to_company":"2025-06-10T11:06:39.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"14003229","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2025-06-10T10:52:20.000Z","state":"AP","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["As a <em>military</em> member protected under the Servicemembers Civil Relief Act ( SCRA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting this item be <em>investigated</em> and either removed or <em>corrected</em> to reflect shared responsibility or nullification due to lack of proper notice and due process. \n\nI also request the account be marked as \" disputed '' with all credit bureaus during the <em>investigation</em>."]},"sort":[14.539174,"14003229"]},{"_index":"complaint-public-v1","_id":"14782461","_score":13.444048,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a XXXX veteran and USPS employee being wrongfully garnished by AAFES/ Military Star for a charged-off account that was closed in XX/XX/XXXX. Despite this, both XXXX XXXX XXXX  continue to report this account as active, delinquent, and in collections as of XX/XX/XXXX nearly two years later. \n\nThe account still shows a past-due balance of {$3000.00}, with no acknowledgment of the {$2600.00} already garnished from my wages under Other Agency Indebtedness. XXXX shows the account as 90 days late in XX/XX/XXXX, while XXXX shows the same balance last updated on the same date even though no payments or charges have occurred since XXXX. This is a textbook case of illegal re-aging and inaccurate reporting in violation of : 15 U.S.C. 1681c ( a ) ( 4 ) ( re-aging of derogatory tradeline ) 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing false information ) 1681s-2 ( b ) ( 1 ) ( C ) - ( E ) ( failure to investigate and correct ) 1681s-2 ( b ) ( 1 ) ( D ) ( inconsistent reporting across CRAs XXXX  lists this as a Charge Card/Collection ; XXXX lists it as a XXXX XXXXXXXX  ) These reporting errors have caused me credit denials, emotional distress, and financial hardship. I sent a certified demand letter to AAFES disputing the account and requesting deletion, refund of garnished wages, and correction of all reports. They have not responded or resolved the issues. \n\nI am requesting : Immediate deletion of the account from all CRAs Cease and refund all garnishments Full correction of credit files Compensation for damages under 15 U.S.C. 1681n and 1681o","date_sent_to_company":"2025-07-21T05:56:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31313","tags":"Servicemember","has_narrative":true,"complaint_id":"14782461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2025-07-21T05:21:22.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This is a textbook case of illegal re-aging and <em>inaccurate</em> reporting in violation of : 15 U.S.C. 1681c ( a ) ( 4 ) ( re-aging of derogatory <em>tradeline</em> ) 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing false information ) 1681s-2 ( b ) ( 1 ) ( C ) - ( E ) ( failure to <em>investigate</em> and <em>correct</em> ) 1681s-2 ( b ) ( 1 ) ( D ) ( inconsistent reporting across CRAs XXXX  lists this as a Charge Card/Collection ; XXXX lists it as a XXXX XXXXXXXX  ) These reporting errors have caused me credit denials, emotional distress"]},"sort":[13.444048,"14782461"]},{"_index":"complaint-public-v1","_id":"15393781","_score":11.3981085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":", I have conducted a thorough review of my reports from each bureau dated XX/XX/XXXX. The report reveals significant and widespread violations of the Fair Credit Reporting Act ( FCRA ). \nThe substantial difference in credit scoresranging from XXXX and XXXX on the low end to XXXX on the high endis direct evidence of severe data inaccuracies being reported by TransUnion and Experian. These errors are causing tangible harm to the consumer 's financial well-being and livelihood. The failure of previous investigations to rectify these issues points to unreasonable reinvestigation procedures by the credit reporting agencies ( CRAs ) and the data furnishers. \nBelow is a legal analysis of the violations found, a bureau-specific breakdown of inaccuracies, and customized disputes for each CRA and the Consumer Financial Protection Bureau ( CFPB ). \nXXXX XXXX XXXX FCRA Violations My credit reports contain clear evidence of multiple violations of my federally protected rights. The core issues stem from the bureaus ' failure to ensure the accuracy and integrity of the information they maintain and disseminate. \nXXXX. Violation of Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) / FCRA 607 ( b ) ) This statute requires CRAs to \" follow reasonable procedures to assure maximum possible accuracy of the information. '' * Why it's a violation : The XXXX gap between the Equifax score ( XXXX ) and the TransUnion score ( XXXX ) is incontrovertible proof that XXXX or more reports are fundamentally inaccurate. The massive discrepancy in total balances, with Experian reporting a balance of {$89000.00} versus Equifax 's {$6600.00}, further demonstrates a catastrophic failure to maintain accurate data. Accounts like XXXX are reported as \" Current '' by Equifax while being \" Late XXXX  Days '' on TransUnion and Experian, an impossible contradiction. \nXXXX. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i / FCRA 611 ) The FCRA guarantees a consumer the right to dispute inaccurate information. Upon receiving a dispute, the CRA must conduct a reasonable reinvestigation and delete any information that is found to be inaccurate, incomplete, or can not be verified. \n* Why it's a violation : Prior investigations failed to resolve these issues. The continued presence of demonstrably false and contradictory information is strong evidence that past reinvestigations were merely \" parroting '' the incorrect data from the furnisher and were not \" reasonable '' as required by law. \nXXXX. Furnisher 's Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 / FCRA 623 ) This law mandates that data furnishers ( creditors, lenders, etc. ) report accurate and complete information and conduct a proper investigation of their own upon receiving notice of a dispute from a CRA. \n* Why it's a violation : Furnishers are providing conflicting data on identical accounts. For the \" XXXX '' account, the balance is reported as {$170.00} by TransUnion and Equifax, but {$710.00} by Experian. For the \" XXXX '' account, the high balance is reported as {$8.00}, {$520.00}, and {$0.00} by the XXXX bureaus, respectively. These furnishers are in violation of their duty to report accurately. \nXXXX. Failure to Maintain XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681c-1 / FCRA 605 ( c ) ) This provision requires CRAs to include an XXXX XXXX alert in the file of an XXXX XXXX military consumer upon request. This alert must then be included with any credit score or report generated. \n* Why it's a violation : The Experian report correctly includes an XXXX XXXX alert valid from XX/XX/XXXX. However, the reports from TransUnion and Equifax completely omit this alert. This is a serious violation that shows a failure to maintain a complete and accurate file for a servicemember, potentially denying him critical protections. \nViolations by Credit Bureau Here is a specific breakdown of the inaccuracies on each of XXXX XXXX XXXX  credit reports. \nTransUnion Violations * Failure to Include XXXX XXXX Alert : Fails to report the consumer 's XXXX XXXX military status, a critical component of his file. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurately reports the account as \" Late XXXX  Days '' with an {$86.00} past due balance, while Equifax reports it as \" XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports this collection account as \" XXXX '', which contradicts Experian 's reporting of the same account as \" Closed ''. This is also likely fragmented reporting of the \" XXXX '' account on Equifax. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports a high balance of only {$8.00}, which is drastically inconsistent with Experian 's {$520.00} and Equifax 's balance reporting. \n* Derogatory and Collection Accounts : Reports multiple derogatory accounts ( XXXX XXXX XXXX XXXX XXXX  XXXX that are either unverified or inconsistently reported, contributing to the suppressed score. \nExperian Violations * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This is the most damaging item on any report. It is a massive family support account with a balance of {$62000.00} and a past due amount of {$61000.00}, reported as \" Late XXXX  Days ''. This account appears only on Experian and is the primary reason for the {$89000.00} total balance and severely damaged score. Its singular presence makes it highly suspect and unverifiable. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurately reports the account as \" Late XXXX  Days '' with an {$86.00} past due balance. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports an incorrect balance of {$710.00}, while the other XXXX bureaus report a balance of {$170.00}. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports this collection account as \" Closed '', which contradicts TransUnion 's report. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports a high balance of {$520.00}, which is inconsistent with the other bureaus. \nEquifax Violations * Failure to Include XXXX XXXX Alert : Fails to report the consumer 's XXXX XXXX military status. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports the account as \" XXXX '' with a {$0.00} past due balance, a direct contradiction to the \" Late XXXX  Days '' status on the other XXXX reports. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurately reports this rental agreement as \" Open '', while TransUnion and Experian both correctly report it as \" Closed '' and \" Paid ''. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports a derogatory collection account that is likely a fragment of the \" XXXX '' account on the other XXXX bureaus. This indicates flawed and duplicative reporting. \nDispute Letters for Bureaus and CFPB Submission Below are XXXX customized letters drafted for XXXX XXXX. He should send each letter via XXXX Mail with XXXX Receipt Requested to the corresponding credit bureau. He must keep a copy of each letter and the mailing receipts. These same letters should be uploaded as part of a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). \nEnclose the following with each letter : * A copy of the XXXX credit report. \n* A clear copy of a driver 's license or military ID. \n* A clear copy of a utility bill or bank statement showing his name and current address. \nLetter XXXX : To TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XXXX [ Date ] TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute, Demand for Reinvestigation, and Correction of My File To Whom It May Concern : This letter is my formal dispute of numerous inaccuracies on my credit report pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. The sheer volume of errors and inconsistencies on my report is causing me significant financial hardship. \nFirst and most importantly, your report fails to include my XXXX XXXX XXXX XXXX, which is present on my Experian report. As a member of the armed forces, I am entitled to this protection. I demand that you immediately add the following statement to my file, as required by law : \" XXXX XXXX ALERT : I AM CURRENTLY ON ACTIVE MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. '' Furthermore, the following accounts are being reported inaccurately and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Your report incorrectly lists this account as \" Late XXXX  Days ''. My Equifax report shows it as \" XXXX ''. This is a direct contradiction. This inaccurate information must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You report this collection as \" XXXX, '' while Experian reports it as \" Closed ''. This inconsistent and unverifiable information must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balance information you report for this account is illogical and inconsistent with other bureaus. It must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These derogatory accounts are unverified. I demand a reasonable reinvestigation, and if they can not be verified, they must be deleted. \nI expect a thorough reinvestigation into these matters and the removal of the inaccurate accounts from my file within the XXXX period mandated by the FCRA. \nSincerely, XXXX XXXX XXXX Letter XXXX : To Experian XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute, Demand for Deletion of Grossly Inaccurate Information To Whom It May Concern : This is my formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681i. My Experian report contains severe inaccuracies that are the primary cause of damage to my financial standing. \nI am disputing the following accounts, which are inaccurate, unverifiable, or contradictory : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is the most critical error. You are reporting a \" Family support '' account with a balance of {$62000.00} and a past due amount of {$61000.00}. This enormous, severely derogatory item appears only on my Experian report and nowhere else. Its singular presence makes it highly suspect and unverifiable. I demand you conduct a reasonable reinvestigation and delete this entire tradeline immediately. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You report a balance of {$710.00} on this account, while both TransUnion and Equifax report the balance as {$170.00}. This is a factual error that must be corrected or the account deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your report incorrectly lists this account as \" Late XXXX  Days, '' which contradicts my Equifax report showing it as \" XXXX ''. Delete this inaccurate information. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You report this collection as \" Closed, '' while TransUnion reports it as \" XXXX ''. This contradiction means the data is unreliable and must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balance information you report is completely inconsistent with the other bureaus and must be deleted. \nI demand that you conduct a reasonable reinvestigation, not a superficial one, and remove these damaging inaccuracies from my file within the 30 days required by law. \nSincerely, XXXX XXXX XXXX Letter XXXX : To Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information and Failure to Maintain File To Whom It May Concern : This is my formal dispute of inaccurate information on my credit report pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. My Equifax report contains significant errors and omissions that must be corrected. \nFirst, your report fails to include my XXXX XXXX XXXX XXXX, which is present on my Experian report. This is a serious failure to maintain a complete and accurate file for a servicemember. I demand that you immediately add the following statement to my file : \" XXXX XXXX ALERT : I AM CURRENTLY ON ACTIVE MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. '' Furthermore, I am disputing the following inaccurate accounts : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting this account as \" XXXX '' with {$0.00} past due. My TransUnion and Experian reports both show this same account as \" Late XXXX  Days ''. XXXX of these is incorrect, demonstrating the unreliability of the data. I demand this tradeline be deleted due to the unverifiable and contradictory information. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You incorrectly report this account as \" XXXX ''. My other reports correctly show it was paid and \" Closed ''. Please correct this status immediately or delete the account. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This collection account appears to be a fragment of the \" XXXX '' account on my other reports. This type of fragmented and potentially duplicative reporting is inaccurate and confusing. It must be deleted. \nI expect you to conduct a reasonable reinvestigation and correct these errors within the XXXX timeframe mandated by the FCRA. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-21T07:01:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75050","tags":"Servicemember","has_narrative":true,"complaint_id":"15393781","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-21T05:19:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I demand this <em>tradeline</em> be deleted due to the unverifiable and contradictory information. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You incorrectly report this account as \" XXXX ''. My other reports <em>correctly</em> show it was paid and \" Closed ''. Please <em>correct</em> this status immediately or delete the account. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This collection account appears to be a fragment of the \" XXXX '' account on my other reports."],"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":[11.3981085,"15393781"]},{"_index":"complaint-public-v1","_id":"15446047","_score":11.388341,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":", I have conducted a thorough review of my reports from each bureau dated XX/XX/XXXX. The report reveals significant and widespread violations of the Fair Credit Reporting Act ( FCRA ). \nThe substantial difference in credit scoresranging from XXXX and XXXX on the low end to XXXX on the high endis direct evidence of severe data inaccuracies being reported by TransUnion and Experian. These errors are causing tangible harm to the consumer 's financial well-being and livelihood. The failure of previous investigations to rectify these issues points to unreasonable reinvestigation procedures by the credit reporting agencies ( CRAs ) and the data furnishers. \nBelow is a legal analysis of the violations found, a bureau-specific breakdown of inaccuracies, and customized disputes for each CRA and the Consumer Financial Protection Bureau ( CFPB ). \nXXXX XXXX XXXX FCRA Violations My credit reports contain clear evidence of multiple violations of my federally protected rights. The core issues stem from the bureaus ' failure to ensure the accuracy and integrity of the information they maintain and disseminate. \nXXXX. Violation of Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) / FCRA 607 ( b ) ) This statute requires CRAs to \" follow reasonable procedures to assure maximum possible accuracy of the information. '' * Why it's a violation : The XXXX gap between the Equifax score ( XXXX ) and the TransUnion score ( XXXX ) is incontrovertible proof that XXXX or more reports are fundamentally inaccurate. The massive discrepancy in total balances, with Experian reporting a balance of {$89000.00} versus Equifax 's {$6600.00}, further demonstrates a catastrophic failure to maintain accurate data. Accounts like XXXX are reported as \" Current '' by Equifax while being \" Late XXXX  Days '' on TransUnion and Experian, an impossible contradiction. \nXXXX. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i / FCRA 611 ) The FCRA guarantees a consumer the right to dispute inaccurate information. Upon receiving a dispute, the CRA must conduct a reasonable reinvestigation and delete any information that is found to be inaccurate, incomplete, or can not be verified. \n* Why it's a violation : Prior investigations failed to resolve these issues. The continued presence of demonstrably false and contradictory information is strong evidence that past reinvestigations were merely \" parroting '' the incorrect data from the furnisher and were not \" reasonable '' as required by law. \nXXXX. Furnisher 's Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 / FCRA 623 ) This law mandates that data furnishers ( creditors, lenders, etc. ) report accurate and complete information and conduct a proper investigation of their own upon receiving notice of a dispute from a CRA. \n* Why it's a violation : Furnishers are providing conflicting data on identical accounts. For the \" XXXX '' account, the balance is reported as {$170.00} by TransUnion and Equifax, but {$710.00} by Experian. For the \" XXXX '' account, the high balance is reported as {$8.00}, {$520.00}, and {$0.00} by the XXXX bureaus, respectively. These furnishers are in violation of their duty to report accurately. \nXXXX. Failure to Maintain XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681c-1 / FCRA 605 ( c ) ) This provision requires CRAs to include an XXXX XXXX alert in the file of an XXXX XXXX military consumer upon request. This alert must then be included with any credit score or report generated. \n* Why it's a violation : The Experian report correctly includes an XXXX XXXX alert valid from XX/XX/XXXX. However, the reports from TransUnion and Equifax completely omit this alert. This is a serious violation that shows a failure to maintain a complete and accurate file for a servicemember, potentially denying him critical protections. \nViolations by Credit Bureau Here is a specific breakdown of the inaccuracies on each of XXXX XXXX XXXX  credit reports. \nTransUnion Violations * Failure to Include XXXX XXXX Alert : Fails to report the consumer 's XXXX XXXX military status, a critical component of his file. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurately reports the account as \" Late XXXX  Days '' with an {$86.00} past due balance, while Equifax reports it as \" XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports this collection account as \" XXXX '', which contradicts Experian 's reporting of the same account as \" Closed ''. This is also likely fragmented reporting of the \" XXXX '' account on Equifax. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports a high balance of only {$8.00}, which is drastically inconsistent with Experian 's {$520.00} and Equifax 's balance reporting. \n* Derogatory and Collection Accounts : Reports multiple derogatory accounts ( XXXX XXXX XXXX XXXX XXXX  XXXX that are either unverified or inconsistently reported, contributing to the suppressed score. \nExperian Violations * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This is the most damaging item on any report. It is a massive family support account with a balance of {$62000.00} and a past due amount of {$61000.00}, reported as \" Late XXXX  Days ''. This account appears only on Experian and is the primary reason for the {$89000.00} total balance and severely damaged score. Its singular presence makes it highly suspect and unverifiable. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurately reports the account as \" Late XXXX  Days '' with an {$86.00} past due balance. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports an incorrect balance of {$710.00}, while the other XXXX bureaus report a balance of {$170.00}. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports this collection account as \" Closed '', which contradicts TransUnion 's report. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports a high balance of {$520.00}, which is inconsistent with the other bureaus. \nEquifax Violations * Failure to Include XXXX XXXX Alert : Fails to report the consumer 's XXXX XXXX military status. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports the account as \" XXXX '' with a {$0.00} past due balance, a direct contradiction to the \" Late XXXX  Days '' status on the other XXXX reports. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurately reports this rental agreement as \" Open '', while TransUnion and Experian both correctly report it as \" Closed '' and \" Paid ''. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports a derogatory collection account that is likely a fragment of the \" XXXX '' account on the other XXXX bureaus. This indicates flawed and duplicative reporting. \nDispute Letters for Bureaus and CFPB Submission Below are XXXX customized letters drafted for XXXX XXXX. He should send each letter via XXXX Mail with XXXX Receipt Requested to the corresponding credit bureau. He must keep a copy of each letter and the mailing receipts. These same letters should be uploaded as part of a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). \nEnclose the following with each letter : * A copy of the XXXX credit report. \n* A clear copy of a driver 's license or military ID. \n* A clear copy of a utility bill or bank statement showing his name and current address. \nLetter XXXX : To TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XXXX [ Date ] TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute, Demand for Reinvestigation, and Correction of My File To Whom It May Concern : This letter is my formal dispute of numerous inaccuracies on my credit report pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. The sheer volume of errors and inconsistencies on my report is causing me significant financial hardship. \nFirst and most importantly, your report fails to include my XXXX XXXX XXXX XXXX, which is present on my Experian report. As a member of the armed forces, I am entitled to this protection. I demand that you immediately add the following statement to my file, as required by law : \" XXXX XXXX ALERT : I AM CURRENTLY ON ACTIVE MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. '' Furthermore, the following accounts are being reported inaccurately and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Your report incorrectly lists this account as \" Late XXXX  Days ''. My Equifax report shows it as \" XXXX ''. This is a direct contradiction. This inaccurate information must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You report this collection as \" XXXX, '' while Experian reports it as \" Closed ''. This inconsistent and unverifiable information must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balance information you report for this account is illogical and inconsistent with other bureaus. It must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These derogatory accounts are unverified. I demand a reasonable reinvestigation, and if they can not be verified, they must be deleted. \nI expect a thorough reinvestigation into these matters and the removal of the inaccurate accounts from my file within the XXXX period mandated by the FCRA. \nSincerely, XXXX XXXX XXXX Letter XXXX : To Experian XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute, Demand for Deletion of Grossly Inaccurate Information To Whom It May Concern : This is my formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681i. My Experian report contains severe inaccuracies that are the primary cause of damage to my financial standing. \nI am disputing the following accounts, which are inaccurate, unverifiable, or contradictory : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is the most critical error. You are reporting a \" Family support '' account with a balance of {$62000.00} and a past due amount of {$61000.00}. This enormous, severely derogatory item appears only on my Experian report and nowhere else. Its singular presence makes it highly suspect and unverifiable. I demand you conduct a reasonable reinvestigation and delete this entire tradeline immediately. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You report a balance of {$710.00} on this account, while both TransUnion and Equifax report the balance as {$170.00}. This is a factual error that must be corrected or the account deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your report incorrectly lists this account as \" Late XXXX  Days, '' which contradicts my Equifax report showing it as \" XXXX ''. Delete this inaccurate information. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You report this collection as \" Closed, '' while TransUnion reports it as \" XXXX ''. This contradiction means the data is unreliable and must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balance information you report is completely inconsistent with the other bureaus and must be deleted. \nI demand that you conduct a reasonable reinvestigation, not a superficial one, and remove these damaging inaccuracies from my file within the 30 days required by law. \nSincerely, XXXX XXXX XXXX Letter XXXX : To Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information and Failure to Maintain File To Whom It May Concern : This is my formal dispute of inaccurate information on my credit report pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. My Equifax report contains significant errors and omissions that must be corrected. \nFirst, your report fails to include my XXXX XXXX XXXX XXXX, which is present on my Experian report. This is a serious failure to maintain a complete and accurate file for a servicemember. I demand that you immediately add the following statement to my file : \" XXXX XXXX ALERT : I AM CURRENTLY ON ACTIVE MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. '' Furthermore, I am disputing the following inaccurate accounts : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting this account as \" XXXX '' with {$0.00} past due. My TransUnion and Experian reports both show this same account as \" Late XXXX  Days ''. XXXX of these is incorrect, demonstrating the unreliability of the data. I demand this tradeline be deleted due to the unverifiable and contradictory information. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You incorrectly report this account as \" XXXX ''. My other reports correctly show it was paid and \" Closed ''. Please correct this status immediately or delete the account. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This collection account appears to be a fragment of the \" XXXX '' account on my other reports. This type of fragmented and potentially duplicative reporting is inaccurate and confusing. It must be deleted. \nI expect you to conduct a reasonable reinvestigation and correct these errors within the XXXX timeframe mandated by the FCRA. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-21T09:00:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75050","tags":"Servicemember","has_narrative":true,"complaint_id":"15446047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-21T05:53:04.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I demand this <em>tradeline</em> be deleted due to the unverifiable and contradictory information. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You incorrectly report this account as \" XXXX ''. My other reports <em>correctly</em> show it was paid and \" Closed ''. Please <em>correct</em> this status immediately or delete the account. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This collection account appears to be a fragment of the \" XXXX '' account on my other reports."],"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":[11.388341,"15446047"]},{"_index":"complaint-public-v1","_id":"15426465","_score":11.388341,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":", I have conducted a thorough review of my reports from each bureau dated XX/XX/XXXX. The report reveals significant and widespread violations of the Fair Credit Reporting Act ( FCRA ). \nThe substantial difference in credit scoresranging from XXXX and XXXX on the low end to XXXX on the high endis direct evidence of severe data inaccuracies being reported by TransUnion and Experian. These errors are causing tangible harm to the consumer 's financial well-being and livelihood. The failure of previous investigations to rectify these issues points to unreasonable reinvestigation procedures by the credit reporting agencies ( CRAs ) and the data furnishers. \nBelow is a legal analysis of the violations found, a bureau-specific breakdown of inaccuracies, and customized disputes for each CRA and the Consumer Financial Protection Bureau ( CFPB ). \nXXXX XXXX XXXX FCRA Violations My credit reports contain clear evidence of multiple violations of my federally protected rights. The core issues stem from the bureaus ' failure to ensure the accuracy and integrity of the information they maintain and disseminate. \nXXXX. Violation of Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) / FCRA 607 ( b ) ) This statute requires CRAs to \" follow reasonable procedures to assure maximum possible accuracy of the information. '' * Why it's a violation : The XXXX gap between the Equifax score ( XXXX ) and the TransUnion score ( XXXX ) is incontrovertible proof that XXXX or more reports are fundamentally inaccurate. The massive discrepancy in total balances, with Experian reporting a balance of {$89000.00} versus Equifax 's {$6600.00}, further demonstrates a catastrophic failure to maintain accurate data. Accounts like XXXX are reported as \" Current '' by Equifax while being \" Late XXXX  Days '' on TransUnion and Experian, an impossible contradiction. \nXXXX. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i / FCRA 611 ) The FCRA guarantees a consumer the right to dispute inaccurate information. Upon receiving a dispute, the CRA must conduct a reasonable reinvestigation and delete any information that is found to be inaccurate, incomplete, or can not be verified. \n* Why it's a violation : Prior investigations failed to resolve these issues. The continued presence of demonstrably false and contradictory information is strong evidence that past reinvestigations were merely \" parroting '' the incorrect data from the furnisher and were not \" reasonable '' as required by law. \nXXXX. Furnisher 's Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 / FCRA 623 ) This law mandates that data furnishers ( creditors, lenders, etc. ) report accurate and complete information and conduct a proper investigation of their own upon receiving notice of a dispute from a CRA. \n* Why it's a violation : Furnishers are providing conflicting data on identical accounts. For the \" XXXX '' account, the balance is reported as {$170.00} by TransUnion and Equifax, but {$710.00} by Experian. For the \" XXXX '' account, the high balance is reported as {$8.00}, {$520.00}, and {$0.00} by the XXXX bureaus, respectively. These furnishers are in violation of their duty to report accurately. \nXXXX. Failure to Maintain XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681c-1 / FCRA 605 ( c ) ) This provision requires CRAs to include an XXXX XXXX alert in the file of an XXXX XXXX military consumer upon request. This alert must then be included with any credit score or report generated. \n* Why it's a violation : The Experian report correctly includes an XXXX XXXX alert valid from XX/XX/XXXX. However, the reports from TransUnion and Equifax completely omit this alert. This is a serious violation that shows a failure to maintain a complete and accurate file for a servicemember, potentially denying him critical protections. \nViolations by Credit Bureau Here is a specific breakdown of the inaccuracies on each of XXXX XXXX XXXX  credit reports. \nTransUnion Violations * Failure to Include XXXX XXXX Alert : Fails to report the consumer 's XXXX XXXX military status, a critical component of his file. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurately reports the account as \" Late XXXX  Days '' with an {$86.00} past due balance, while Equifax reports it as \" XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports this collection account as \" XXXX '', which contradicts Experian 's reporting of the same account as \" Closed ''. This is also likely fragmented reporting of the \" XXXX '' account on Equifax. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports a high balance of only {$8.00}, which is drastically inconsistent with Experian 's {$520.00} and Equifax 's balance reporting. \n* Derogatory and Collection Accounts : Reports multiple derogatory accounts ( XXXX XXXX XXXX XXXX XXXX  XXXX that are either unverified or inconsistently reported, contributing to the suppressed score. \nExperian Violations * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This is the most damaging item on any report. It is a massive family support account with a balance of {$62000.00} and a past due amount of {$61000.00}, reported as \" Late XXXX  Days ''. This account appears only on Experian and is the primary reason for the {$89000.00} total balance and severely damaged score. Its singular presence makes it highly suspect and unverifiable. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurately reports the account as \" Late XXXX  Days '' with an {$86.00} past due balance. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports an incorrect balance of {$710.00}, while the other XXXX bureaus report a balance of {$170.00}. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports this collection account as \" Closed '', which contradicts TransUnion 's report. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports a high balance of {$520.00}, which is inconsistent with the other bureaus. \nEquifax Violations * Failure to Include XXXX XXXX Alert : Fails to report the consumer 's XXXX XXXX military status. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports the account as \" XXXX '' with a {$0.00} past due balance, a direct contradiction to the \" Late XXXX  Days '' status on the other XXXX reports. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurately reports this rental agreement as \" Open '', while TransUnion and Experian both correctly report it as \" Closed '' and \" Paid ''. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reports a derogatory collection account that is likely a fragment of the \" XXXX '' account on the other XXXX bureaus. This indicates flawed and duplicative reporting. \nDispute Letters for Bureaus and CFPB Submission Below are XXXX customized letters drafted for XXXX XXXX. He should send each letter via XXXX Mail with XXXX Receipt Requested to the corresponding credit bureau. He must keep a copy of each letter and the mailing receipts. These same letters should be uploaded as part of a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). \nEnclose the following with each letter : * A copy of the XXXX credit report. \n* A clear copy of a driver 's license or military ID. \n* A clear copy of a utility bill or bank statement showing his name and current address. \nLetter XXXX : To TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XXXX [ Date ] TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute, Demand for Reinvestigation, and Correction of My File To Whom It May Concern : This letter is my formal dispute of numerous inaccuracies on my credit report pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. The sheer volume of errors and inconsistencies on my report is causing me significant financial hardship. \nFirst and most importantly, your report fails to include my XXXX XXXX XXXX XXXX, which is present on my Experian report. As a member of the armed forces, I am entitled to this protection. I demand that you immediately add the following statement to my file, as required by law : \" XXXX XXXX ALERT : I AM CURRENTLY ON ACTIVE MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. '' Furthermore, the following accounts are being reported inaccurately and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Your report incorrectly lists this account as \" Late XXXX  Days ''. My Equifax report shows it as \" XXXX ''. This is a direct contradiction. This inaccurate information must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You report this collection as \" XXXX, '' while Experian reports it as \" Closed ''. This inconsistent and unverifiable information must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balance information you report for this account is illogical and inconsistent with other bureaus. It must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These derogatory accounts are unverified. I demand a reasonable reinvestigation, and if they can not be verified, they must be deleted. \nI expect a thorough reinvestigation into these matters and the removal of the inaccurate accounts from my file within the XXXX period mandated by the FCRA. \nSincerely, XXXX XXXX XXXX Letter XXXX : To Experian XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute, Demand for Deletion of Grossly Inaccurate Information To Whom It May Concern : This is my formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681i. My Experian report contains severe inaccuracies that are the primary cause of damage to my financial standing. \nI am disputing the following accounts, which are inaccurate, unverifiable, or contradictory : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is the most critical error. You are reporting a \" Family support '' account with a balance of {$62000.00} and a past due amount of {$61000.00}. This enormous, severely derogatory item appears only on my Experian report and nowhere else. Its singular presence makes it highly suspect and unverifiable. I demand you conduct a reasonable reinvestigation and delete this entire tradeline immediately. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You report a balance of {$710.00} on this account, while both TransUnion and Equifax report the balance as {$170.00}. This is a factual error that must be corrected or the account deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your report incorrectly lists this account as \" Late XXXX  Days, '' which contradicts my Equifax report showing it as \" XXXX ''. Delete this inaccurate information. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You report this collection as \" Closed, '' while TransUnion reports it as \" XXXX ''. This contradiction means the data is unreliable and must be deleted. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balance information you report is completely inconsistent with the other bureaus and must be deleted. \nI demand that you conduct a reasonable reinvestigation, not a superficial one, and remove these damaging inaccuracies from my file within the 30 days required by law. \nSincerely, XXXX XXXX XXXX Letter XXXX : To Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information and Failure to Maintain File To Whom It May Concern : This is my formal dispute of inaccurate information on my credit report pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. My Equifax report contains significant errors and omissions that must be corrected. \nFirst, your report fails to include my XXXX XXXX XXXX XXXX, which is present on my Experian report. This is a serious failure to maintain a complete and accurate file for a servicemember. I demand that you immediately add the following statement to my file : \" XXXX XXXX ALERT : I AM CURRENTLY ON ACTIVE MILITARY DUTY. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. '' Furthermore, I am disputing the following inaccurate accounts : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting this account as \" XXXX '' with {$0.00} past due. My TransUnion and Experian reports both show this same account as \" Late XXXX  Days ''. XXXX of these is incorrect, demonstrating the unreliability of the data. I demand this tradeline be deleted due to the unverifiable and contradictory information. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You incorrectly report this account as \" XXXX ''. My other reports correctly show it was paid and \" Closed ''. Please correct this status immediately or delete the account. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This collection account appears to be a fragment of the \" XXXX '' account on my other reports. This type of fragmented and potentially duplicative reporting is inaccurate and confusing. It must be deleted. \nI expect you to conduct a reasonable reinvestigation and correct these errors within the XXXX timeframe mandated by the FCRA. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-21T08:00:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75050","tags":"Servicemember","has_narrative":true,"complaint_id":"15426465","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-21T05:53:04.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I demand this <em>tradeline</em> be deleted due to the unverifiable and contradictory information. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You incorrectly report this account as \" XXXX ''. My other reports <em>correctly</em> show it was paid and \" Closed ''. Please <em>correct</em> this status immediately or delete the account. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This collection account appears to be a fragment of the \" XXXX '' account on my other reports."],"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":[11.388341,"15426465"]},{"_index":"complaint-public-v1","_id":"16397979","_score":9.649107,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Final Warning  Fraudulent and Misleading Credit Reporting\\n\\nThis complaint applies to your companys continued false and misleading credit reporting in violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2), the Fair Debt Collection Practices Act, and Louisiana state consumer-credit laws.\\n\\nOver the past year, I have repeatedly disputed multiple violations across tradelines your company reports under my name, including but not limited to:\\n\\t\\tRE-AGING OF DELINQUENT OR CHARGED-OFF ACCOUNTS TO APPEAR RECENT\\n\\t\\tDuplicate reporting of sold or transferred debts\\n\\t\\tInflated or fabricated charge-off balances\\n\\t\\tPhantom or false payment entries\\n\\t\\tFAILURE TO CORRECT OR DELETE INACCURATE OR UNVERIFIABLE INFORMATION AFTER NOTICE\\n\\nThese acts constitute willful and fraudulent misrepresentation of my credit history. I have provided documentation, submitted disputes, and filed prior complaints, yet your company continues to report inaccurate and harmful information.\\n\\nAs of XXXX XXXX XXXX, my XXXX XXXX bankruptcy has been officially filed in the United States Bankruptcy Court for the Western District of Louisiana. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence. If these false entries are not corrected or permanently deleted from all credit bureaus within five (5) business days, I will instruct my attorney to initiate civil action seeking damages, penalties, and sanctions for willful violations of federal and state law.\\n\\nThis is your final warning and final opportunity to correct these violations voluntarily before they are presented in open court.\\n\\nThe original creditor (Credit One Bank, N.A.) was not licensed to lend in this state, which may make the original contract unenforceable under Louisiana law. Resurgent, the current servicer, has not confirmed whether they are licensed to collect debts in Louisiana. They vaguely referenced regulator websites in their XXXX XXXX XXXX response but gave no direct confirmation. Potential FCRA Violation  Re-Aging: The account shows no payments since charge-off in June 2023, yet appears to have been updated in 2025 as if it is actively past due. If the tradeline is being reported with new delinquency dates, this may constitute illegal re-aging, violating the Fair Credit Reporting Act (FCRA). Refusal to Remove Inaccurate Tradeline: I disputed this account with both Resurgent and the credit bureaus. They acknowledged the dispute but refuse to remove or correct the tradeline. They are continuing to report the full balance with no supporting documentation showing enforceability or legality under Louisiana law. Cease and Desist Acknowledged, But No Resolution: Resurgent did acknowledge my cease-communication request but still maintains the tradeline without validating its legality or correcting inaccurate credit reporting. I request that the CFPB investigate the licensing status of Resurgent in Louisiana, review the credit reporting history for accuracy, and determine whether this tradeline should be removed due to licensing and FCRA compliance issues. Supporting documents are available upon request, including Resurgents XXXX XXXX XXXX letter.\\n\\n\\nWritten confirmation of correction or deletion must be sent to:\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\n\\nFair Credit Reporting Act (FCRA)\\nPara informacin en espaol, visite www.consumer+nance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX\\nA Summary of Your Rights Under the Fair Credit Reporting Act.\\nThe federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the fles of consumer reporting agencies.\\nThere are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about\\ncheck writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information,\\nincluding information about additional rights, go to XXXX or write to: Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX.\\nYou must be told if information in your ;le has been used against you. Anyone who uses a credit report or another type of consumer report to deny\\nyour application for credit, insurance, or employment  or to take another adverse action against you  must tell you, and must give you the name,\\naddress, and phone number of the agency that provided the information.\\nYou have the right to know what is in your ;le. You may request and obtain all the information about you in the fles of a consumer reporting agency\\n(your \"fle disclosure\"). You will be required to provide proper identifcation, which may include your Social Security number. In many cases, the\\ndisclosure will be free. You are entitled to a free fle disclosure if:\\na person has taken adverse action against you because of information in your credit report;\\nyou are the victim of identity theft and place a fraud alert in your fle;\\nyour fle contains inaccurate information as a result of fraud;\\nyou are on public assistance;\\nyou are unemployed but expect to apply for employment within 60 days.\\nIn addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide\\nspecialty consumer reporting agencies. See XXXX for additional information.\\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus.\\nYou may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you\\nwill have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.\\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your fle that is incomplete or inaccurate, and report it\\nto the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfnance.gov/learnmore for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unveri;able information. Inaccurate, incomplete or unverifable\\ninformation must be removed or corrected, usually within XXXX  days. However, a consumer reporting agency may continue to report information it has\\nverifed as accurate.\\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative\\ninformation that is more than seven years old, or bankruptcies that are more than XXXX  years old.\\nAccess to your ;le is limited. A consumer reporting agency may provide information about you only to people with a valid need  usually to consider an\\napplication with a creditor, insurer, employer, landlord, or other business. The FCRA specifes those with a valid need for access.\\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your\\nemployer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.\\nFor more information, go to www.consumerfnance.gov/learnmore.\\nYou may limit \"prescreened\" offers of credit and insurance you get based on information in your credit report. Unsolicited \"prescreened\" offers for\\ncredit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are\\nbased on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\nYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a\\nconsumer reporting agency violates the FCRA, you may be able to sue in state or federal court.\\nIdentity theft victims and active duty military personnel have additional rights. For more Information, visit XXXX.\\nConsumers Have The Right To Obtain A Security Freeze\\nYou have a right to place a \\'security freeze\\' on your credit report, which will prohibit a consumer reporting agency from releasing information in your\\ncredit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name\\nwithout your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and fnancial\\ninformation in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a\\nnew loan, credit, mortgage, or any other account involving the extension of credit.\\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit fle at no cost. An initial fraud alert is a\\n1-year alert that is placed on a consumer\\'s credit fle. Upon seeing a fraud alert display on a consumer\\'s credit fle, a business is required to take steps\\nto verify the consumer\\'s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a\\nfraud alert lasting 7 years.\\nA security freeze does not apply to a person or entity, or its aUliates, or collection agencies acting on behalf of the person or entity, with which you have\\nan existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account\\nincludes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\\nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.\\nFor more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal\\nrights, contact:\\nFOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:\\n1.a. Banks, savings associations, and credit unions with total assets of over $10 billion and their\\naUliates.\\nb. Such aUliates that are not banks, savings associations, or credit unions also should list in addition\\nto the Bureau:\\na. Bureau of Consumer Financial\\nProtection\\nXXXX XXXX XXXX XXXX XXXX XXXX\\nb. Federal Trade Commission Consumer\\nResponse Center\\nXXXX XXXX XXXX XXXX XXXX XXXX\\n2. To the extent not included in item 1 above:\\na. National banks, federal savings associations, and federal branches and federal agencies of foreign\\nbanks\\nb. State member banks, branches and agencies of foreign banks (other than federal branches, federal\\nagencies, and insured state branches of foreign banks), commercial lending companies owned or\\ncontrolled by foreign banks, and organizations operating under section 25 or 25A of the Federal\\nReserve Act\\nc. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings\\nassociations\\nd. Federal Credit Unions\\na. OUce of the Comptroller of the\\nCurrency\\nCustomer Assistance Group\\nXXXX XXXX XXXX XXXX XXXX\\nb. Federal Reserve Consumer Help\\nCenter\\nXXXX XXXX XXXX\\nMinneapolis, MN 55480\\nc. Division of Depositor and Consumer\\nProtection\\nNational Center for Consumer and\\nDepositor Assistance\\nFederal Deposit Insurance Corporation\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\nd. National Credit Union Administration\\nOUce of Consumer Financial Protection\\nXXXX XXXX XXXX XXXX XXXX\\n3. Air carriers Assistant General Counsel for OUce of\\nAviation Consumer Protection\\nDepartment of Transportation\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\\n4. Creditors Subject to Surface Transportation Board OUce of Public Assistance,\\nGovernmental Affairs, and Compliance\\nSurface Transportation Board\\XXXX XXXX XXXX XXXX XXXX XXXX\\n5. Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards\\nDivision Regional OUce\\n6. Small Business Investment Companies Associate Administrator, OUce of\\nCapital Access\\nUnited States Small Business\\nAdministration\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\n7. Brokers and Dealers Securities and Exchange Commission\\nXXXX XXXX XXXX XXXX XXXX XXXX\\n8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and\\nProduction Credit Associations\\nFarm Credit Administration\\nXXXX XXXX XXXX XXXX XXXX XXXXn9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional OUce for region in which'","date_sent_to_company":"2025-10-06T03:48:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"71303","tags":null,"has_narrative":true,"complaint_id":"16397979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-10-06T03:48:35.000Z","state":"LA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Cease and Desist Acknowledged, But No Resolution: Resurgent did acknowledge my cease-communication request but still maintains the <em>tradeline</em> without validating its legality or <em>correcting</em> <em>inaccurate</em> credit reporting. I request that the CFPB <em>investigate</em> the licensing status of Resurgent in Louisiana, review the credit reporting history for accuracy, and determine whether this <em>tradeline</em> should be removed due to licensing and FCRA compliance issues."]},"sort":[9.649107,"16397979"]},{"_index":"complaint-public-v1","_id":"17370188","_score":7.7148542,"_source":{"product":"Mortgage","complaint_what_happened":"IMMINENT HARM CFPB COMPLAINT WILLFUL REFUSAL TO COOPERATE WITH STATE AG & CONTINUING HARM Company : NewRez LLC ( d/b/a Shellpoint Mortgage Servicing ), owned by XXXX XXXX XXXX XXXX \nProduct : Mortgage ( VA-backed home loan ) Issue : Trouble during payment process / improper servicing / refusal to correct errors / obstruction of state-AG mediation 1. What happened I filed a detailed consumer complaint with the Pennsylvania Office of Attorney General, XXXX XXXX XXXX XXXX ( XXXX ) against NewRez LLC d/b/a Shellpoint Mortgage Servicing concerning corrupted loan data, misapplied / unapplied payments, negative escrow, and foreclosure risk on my VA-backed mortgage. \nOn [ email date ], I received the attached email from XXXX XXXX, XXXX XXXX XXXX, Pennsylvania OAG XXXX, regarding Complaint No. XXXX. \nThe email states that the XXXX XXXX XXXX XXXX : attempted to resolve your complaint against NewRez LLC ( d/b/a Shellpoint Mortgage Servicing ) through a voluntary mediation process, but we have not been able to resolve this matter to your satisfaction and have reached an impasse between you and NewRez LLC ( d/b/a Shellpoint Mortgage Servicing ), and we will take no further action on your complaint at this time.\n\nThe email also confirms : A copy of your complaint will remain on file for future reference and for possible use in an investigation or enforcement action we may bring to protect the public interest of the Commonwealth of Pennsylvania.\n\nIn plain terms : a state Attorney Generals consumer-protection office tried to mediate my dispute with NewRez / Shellpoint . The company refused to resolve it, and the AG is now keeping my complaint for possible enforcement use. \n\nThis is not a situation where I refused mediation ; it is a situation where NewRez / Shellpoint declined to take the off-ramp that would have repaired their servicing errors and protected a 100 % permanently and totally XXXX veteran from further harm. \n\n\n\n2. Why this is willful & deliberate obstruction Federal law requires mortgage servicers to investigate and correct account errors and to respond to written Notices of Error : 12 U.S.C. 2605 ( e ) : Servicers must respond to borrower inquiries and error notices.\n\n12 U.S.C. 2605 ( k ) ( 1 ) ( C ) : Servicers may not fail to take timely action to respond to a borrowers requests to correct errors.\n\n12 C.F.R. 1024.35 : Servicers must acknowledge a Notice of Error within 5 business days and then either correct the error or provide a detailed written explanation within required timeframes.\n\n12 C.F.R. 1024.38 : Servicers must maintain policies and procedures to accurately credit payments, maintain records, and respond to borrower complaints.\n\nIn my case : I have already sent multiple RESPA Notices of Error and legal-hold letters to NewRez / Shellpoint about misapplied funds, inaccurate delinquency status, and corrupted escrow.\n\nInstead of providing the required written corrections or a consistent accounting, the company has closed XXXX as duplicates, refused to explain contradictory ledgers, and continued to change key figures ( unapplied funds, escrow balances, past due amounts ) while foreclosure pressure continued. \nThe Pennsylvania OAG XXXX email now shows that even when a state AGs office intervened, NewRez / Shellpoint still would not resolve the matter, causing an impasse and forcing the AG to suspend mediation and reserve the complaint for possible enforcement. \n\nA servicer that 1 ) ignores or duplicate-closes XXXX  and 2 ) refuses to cooperate with a state Attorney Generals mediation process is not simply confused. It is obstructing the statutory error-correction framework that RESPA, Regulation X, and state consumer-protection laws are built on.\n\n3. Ongoing harm Because NewRez / Shellpoint refused to resolve this in the AGs mediation : My VA loan account remains corrupted, with conflicting ledgers and negative escrow despite significant payments. \nI remain under continuing foreclosure risk based on data that the servicer and now a state AGs office know is disputed and potentially unreliable. \nAs a 100 % permanently and totally XXXX veteran, this prolonged uncertainty and threat of losing my home causes severe emotional and psychological harm on top of the financial harm. \nOther borrowers who complain to the Pennsylvania OAG may face the same impasse, meaning this pattern is not just about me ; it raises a systemic risk that NewRez / Shellpoint / XXXX will stonewall state-level mediation while continuing harmful servicing practices. \n\n\n\n4. Damages requested For CFPB purposes, I am asking that this complaint be treated as both an individual harm case and an indicator of a broader pattern and practice : Individual relief requested {>= $1,000,000} in compensatory, statutory, and punitive damages for : financial harm from corrupted servicing, threats of foreclosure, and fees ; severe emotional and psychological distress aggravated by my status as a 100 % permanently and totally XXXX veteran ; time, cost, and effort spent pursuing corrections through multiple regulators and now the Pennsylvania OAG.\n\nFull payoff and release of my VA-backed mortgage so that my home is secured free and clear. \nFull correction of all tradelines and credit reports to remove any delinquencies, late fees, or negative remarks that stem from the corrupted data and unresolved errors. \n\nSystemic / public-interest relief requested Creation of a {>= $1,000,000} restitution and remediation fund for other borrowers serviced by NewRez / Shellpoint XXXX XXXX whose accounts have been impacted by similar data corruption, misapplied payments, or refusal to correct errors, with priority for VA loans XXXX FHA loans XXXX and loans to active-duty military and XXXX veterans. \nA comprehensive servicing-platform audit ( data integrity, escrow handling, payment application, XXXX response procedures ) supervised by CFPB and state regulators ( including Pennsylvania OAG and Tennessee  XXXX XXXX. \nAppropriate civil money penalties for pattern-and-practice violations of RESPA, Regulation X, and unfair / deceptive acts or practices under the Consumer Financial Protection Act and applicable state UDAP laws. \n\n\n\n5. What I am asking CFPB to do Given the Pennsylvania OAG email, I respectfully request that CFPB : Treat this as evidence that NewRez / Shellpoint are refusing to participate in good-faith resolution with a state Attorney General, despite active servicing errors. \nOpen ( or expand ) a supervisory or enforcement investigation into NewRez LLC, Shellpoint Mortgage Servicing, and XXXX XXXX XXXX for violations of 12 U.S.C. 2605, 12 C.F.R. 1024.35 & 1024.38, and unfair / deceptive acts or practices. \nCoordinate with the Pennsylvania OAG XXXX XXXX XXXX XXXX to use my complaint file ( XXXX ) as part of any joint or parallel enforcement action. \nRequire the company to correct my account, pay damages, and implement systemic fixes so that other consumers are not forced into the same situation. \n\nAttached is the full email from XXXX XXXX, XXXX XXXX XXXX, Pennsylvania Office of Attorney General, XXXX XXXX XXXX XXXX, which documents the failed mediation and confirms that my complaint is being retained for possible enforcement use.","date_sent_to_company":"2025-11-19T15:07:50.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"37066","tags":"Servicemember","has_narrative":true,"complaint_id":"17370188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2025-11-19T14:47:57.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Why this is willful & deliberate obstruction Federal law requires mortgage servicers to <em>investigate</em> and <em>correct</em> account errors and to respond to written Notices of Error : 12 U.S.C. 2605 ( e ) : Servicers must respond to borrower inquiries and error notices.\n\n12 U.S.C. 2605 ( k ) ( 1 ) ( C ) : Servicers may not fail to take timely action to respond to a borrowers requests to <em>correct</em> errors.\n\n12 C.F.R. 1024.35 : Servicers must acknowledge a Notice of Error within 5 business days and then either <em>correct</em>"]},"sort":[7.7148542,"17370188"]},{"_index":"complaint-public-v1","_id":"16371366","_score":5.9946375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Final Warning  Fraudulent and Misleading Credit Reporting\\n\\nThis complaint applies to your companys continued false and misleading credit reporting in violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2), the Fair Debt Collection Practices Act, and Louisiana state consumer-credit laws.\\n\\nOver the past year, I have repeatedly disputed multiple violations across tradelines your company reports under my name, including but not limited to:\\n\\t\\tRe-aging of delinquent or charged-off accounts to appear recent\\n\\t\\tDuplicate reporting of sold or transferred debts\\n\\t\\tInflated or fabricated charge-off balances\\n\\t\\tPhantom or false payment entries\\n\\t\\tFailure to correct or delete inaccurate or unverifiable information after notice\\n\\nThese acts constitute willful and fraudulent misrepresentation of my credit history. I have provided documentation, submitted disputes, and filed prior complaints, yet your company continues to report inaccurate and harmful information.\\n\\nAs of XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy has been officially filed in the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence. If these false entries are not corrected or permanently deleted from all credit bureaus within five (5) business days, I will instruct my attorney to initiate civil action seeking damages, penalties, and sanctions for willful violations of federal and state law.\\n\\nThis is your final warning and final opportunity to correct these violations voluntarily before they are presented in open court.\\n\\nWritten confirmation of correction or deletion must be sent to:XXXX XXXX XXXX XXXX, LA XXXX XXXXBankruptcy Filed: XXXX XXXX XXXXFair Credit Reporting Act (FCRA)\\nXXXX XXXX XXXX XXXX XXXX www.consumer+nance.gov/learnmore XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXXWashington, D.C. XXXX  Summary of Your Rights Under the Fair Credit Reporting Act.\\nThe federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the fles of consumer reporting agencies.\\nThere are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about\\ncheck writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information,\\nincluding information about additional rights, go to www.consumer;nance.gov/learnmore or write to: Consumer Financial Protection Bureau, XXXX XXXX XXXX  Washington, D.CXXXX XXXXYou must be told if information in your ;le has been used against you. Anyone who uses a credit report or another type of consumer report to deny\\nyour application for credit, insurance, or employment  or to take another adverse action against you  must tell you, and must give you the name,\\naddress, and phone number of the agency that provided the information.\\nYou have the right to know what is in your ;le. You may request and obtain all the information about you in the fles of a consumer reporting agency\\n(your \"fle disclosure\"). You will be required to provide proper identifcation, which may include your Social Security number. In many cases, the\\ndisclosure will be free. You are entitled to a free fle disclosure if:\\na person has taken adverse action against you because of information in your credit report;\\nyou are the victim of identity theft and place a fraud alert in your fle;\\nyour fle contains inaccurate information as a result of fraud;\\nyou are on public assistance;\\nyou are unemployed but expect to apply for employment within 60 days.\\nIn addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide\\nspecialty consumer reporting agencies. See www.consumerfnance.gov/learnmore for additional information.\\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus.\\nYou may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you\\nwill have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.\\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your fle that is incomplete or inaccurate, and report it\\nto the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfnance.gov/learnmore for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unveri;able information. Inaccurate, incomplete or unverifable\\ninformation must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has\\nverifed as accurate.\\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative\\ninformation that is more than seven years old, or bankruptcies that are more than 10 years old.\\nAccess to your ;le is limited. A consumer reporting agency may provide information about you only to people with a valid need  usually to consider an\\napplication with a creditor, insurer, employer, landlord, or other business. The FCRA specifes those with a valid need for access.\\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your\\nemployer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.\\nFor more information, go to www.consumerfnance.gov/learnmore.\\nYou may limit \"prescreened\" offers of credit and insurance you get based on information in your credit report. Unsolicited \"prescreened\" offers for\\ncredit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are\\nbased on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a\\nconsumer reporting agency violates the FCRA, you may be able to sue in state or federal court.\\nIdentity theft victims and active duty military personnel have additional rights. For more Information, visit www.consumerfnance.gov/learnmore.\\nConsumers Have The Right To Obtain A Security Freeze\\nYou have a right to place a \\'security freeze\\' on your credit report, which will prohibit a consumer reporting agency from releasing information in your\\ncredit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name\\nwithout your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and fnancial\\ninformation in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a\\nnew loan, credit, mortgage, or any other account involving the extension of credit.\\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit fle at no cost. An initial fraud alert is a\\n1-year alert that is placed on a consumer\\'s credit fle. Upon seeing a fraud alert display on a consumer\\'s credit fle, a business is required to take steps\\nto verify the consumer\\'s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a\\nfraud alert lasting 7 years.\\nA security freeze does not apply to a person or entity, or its aUliates, or collection agencies acting on behalf of the person or entity, with which you have\\nan existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account\\nincludes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\\nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.\\nFor more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal\\nrights, contact:\\nFOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:\\n1.a. Banks, savings associations, and credit unions with total assets of over XXXX XXXX and their\\naUliates.\\nb. Such aUliates that are not banks, savings associations, or credit unions also should list in addition\\nto the Bureau:\\na. Bureau of Consumer Financial\\nProtectioXXXX XXXX XXXX XXXXWashington, DC XXXX Federal Trade Commission Consumer\\nResponse CenteXXXX XXXX XXXX XXXXWashington, DC XXXX. To the extent not included in item 1 above:\\na. National banks, federal savings associations, and federal branches and federal agencies of foreign\\nbanks\\nb. State member banks, branches and agencies of foreign banks (other than federal branches, federal\\nagencies, and insured state branches of foreign banks), commercial lending companies owned or\\ncontrolled by foreign banks, and organizations operating under section 25 or 25A of the Federal\\nReserve Act\\nc. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings\\nassociations\\nd. Federal Credit Unions\\na. OUce of the Comptroller of the\\nCurrency\\nCustomer Assistance GroupXXXX XXXX XXXX TX XXXX. Federal Reserve Consumer Help\\nCenterXXXX XXXX XXXX MN XXXX Division of Depositor and Consumer\\nProtection\\nNational Center for Consumer and\\nDepositor Assistance\\nFederal Deposit Insurance CorporationXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX National Credit Union Administration\\nOUce of Consumer Financial ProtectionXXXX XXXX XXXX, VA XXXX Air carriers Assistant General Counsel for OUce of\\nAviation Consumer Protection\\nDepartment of TransportationXXXX XXXX XXXX XXXX XXXXWashington, DC XXXX. Creditors Subject to Surface Transportation Board OUce of Public Assistance,\\nGovernmental Affairs, and Compliance\\nSurface Transportation BoardXXXX XXXX XXXX XXXXWashington, DC XXXX. Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards\\nDivision Regional OUce\\n6. Small Business Investment Companies Associate Administrator, OUce of\\nCapital Access\\nUnited States Small Business\\nAdministrationXXXX XXXX XXXX XXXX XXXX XXXXWashington, DC XXXX. Brokers and Dealers Securities and Exchange CommissionXXXX XXXX XXXX XXXXWashington, DC XXXX. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and\\nProduction Credit Associations\\nFarm Credit AdministrationXXXXXXXX XXXX XXXX XXXX  VA 2XXXX. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional OUce for region in which'","date_sent_to_company":"2025-10-06T04:15:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"71303","tags":null,"has_narrative":true,"complaint_id":"16371366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2025-10-06T04:08:59.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["\\nYou have the right to dispute incomplete or <em>inaccurate</em> information. If you identify information in your fle that is incomplete or <em>inaccurate</em>, and report it\\nto the consumer reporting agency, the agency must <em>investigate</em> unless your dispute is frivolous. See www.consumerfnance.gov/learnmore for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, incomplete, or unveri;able information."]},"sort":[5.9946375,"16371366"]},{"_index":"complaint-public-v1","_id":"16371365","_score":5.9946375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Final Warning  Fraudulent and Misleading Credit Reporting\\n\\nThis complaint applies to your companys continued false and misleading credit reporting in violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2), the Fair Debt Collection Practices Act, and Louisiana state consumer-credit laws.\\n\\nOver the past year, I have repeatedly disputed multiple violations across tradelines your company reports under my name, including but not limited to:\\n\\t\\tRe-aging of delinquent or charged-off accounts to appear recent\\n\\t\\tDuplicate reporting of sold or transferred debts\\n\\t\\tInflated or fabricated charge-off balances\\n\\t\\tPhantom or false payment entries\\n\\t\\tFailure to correct or delete inaccurate or unverifiable information after notice\\n\\nThese acts constitute willful and fraudulent misrepresentation of my credit history. I have provided documentation, submitted disputes, and filed prior complaints, yet your company continues to report inaccurate and harmful information.\\n\\nAs of XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been officially filed in the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence. If these false entries are not corrected or permanently deleted from all credit bureaus within five (5) business days, I will instruct my attorney to initiate civil action seeking damages, penalties, and sanctions for willful violations of federal and state law.\\n\\nThis is your final warning and final opportunity to correct these violations voluntarily before they are presented in open court.\\n\\nWritten confirmation of correction or deletion must be sent toXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFair Credit Reporting Act (FCRA)\\XXXX XXXX XXXX XXXX XXXX www.consumer+nance.gov/learnmore XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXXWashington, D.C. XXXX Summary of Your Rights Under the Fair Credit Reporting Act.\\nThe federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the fles of consumer reporting agencies.\\nThere are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about\\ncheck writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information,\\nincluding information about additional rights, go to www.consumer;nance.gov/learnmore or write to: Consumer Financial Protection Bureau, XXXX XXXX XXXX  Washington, D.C. XXXXYou must be told if information in your ;le has been used against you. Anyone who uses a credit report or another type of consumer report to deny\\nyour application for credit, insurance, or employment  or to take another adverse action against you  must tell you, and must give you the name,\\naddress, and phone number of the agency that provided the information.\\nYou have the right to know what is in your ;le. You may request and obtain all the information about you in the fles of a consumer reporting agency\\n(your \"fle disclosure\"). You will be required to provide proper identifcation, which may include your Social Security number. In many cases, the\\ndisclosure will be free. You are entitled to a free fle disclosure if:\\na person has taken adverse action against you because of information in your credit report;\\nyou are the victim of identity theft and place a fraud alert in your fle;\\nyour fle contains inaccurate information as a result of fraud;\\nyou are on public assistance;\\nyou are unemployed but expect to apply for employment within 60 days.\\nIn addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide\\nspecialty consumer reporting agencies. See www.consumerfnance.gov/learnmore for additional information.\\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus.\\nYou may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you\\nwill have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.\\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your fle that is incomplete or inaccurate, and report it\\nto the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfnance.gov/learnmore for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unveri;able information. Inaccurate, incomplete or unverifable\\ninformation must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has\\nverifed as accurate.\\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative\\ninformation that is more than seven years old, or bankruptcies that are more than 10 years old.\\nAccess to your ;le is limited. A consumer reporting agency may provide information about you only to people with a valid need  usually to consider an\\napplication with a creditor, insurer, employer, landlord, or other business. The FCRA specifes those with a valid need for access.\\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your\\nemployer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.\\nFor more information, go to www.consumerfnance.gov/learnmore.\\nYou may limit \"prescreened\" offers of credit and insurance you get based on information in your credit report. Unsolicited \"prescreened\" offers for\\ncredit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are\\nbased on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a\\nconsumer reporting agency violates the FCRA, you may be able to sue in state or federal court.\\nIdentity theft victims and active duty military personnel have additional rights. For more Information, visit www.consumerfnance.gov/learnmore.\\nConsumers Have The Right To Obtain A Security Freeze\\nYou have a right to place a \\'security freeze\\' on your credit report, which will prohibit a consumer reporting agency from releasing information in your\\ncredit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name\\nwithout your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and fnancial\\ninformation in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a\\nnew loan, credit, mortgage, or any other account involving the extension of credit.\\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit fle at no cost. An initial fraud alert is a\\n1-year alert that is placed on a consumer\\'s credit fle. Upon seeing a fraud alert display on a consumer\\'s credit fle, a business is required to take steps\\nto verify the consumer\\'s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a\\nfraud alert lasting 7 years.\\nA security freeze does not apply to a person or entity, or its aUliates, or collection agencies acting on behalf of the person or entity, with which you have\\nan existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account\\nincludes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\\nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.\\nFor more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal\\nrights, contact:\\nFOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:\\n1.a. Banks, savings associations, and credit unions with total assets of over XXXX XXXX and their\\naUliates.\\nb. Such aUliates that are not banks, savings associations, or credit unions also should list in addition\\nto the Bureau:\\na. Bureau of Consumer Financial\\nProtectionXXXX XXXX XXXX XXXXWashington, DC XXXX. Federal Trade Commission Consumer\\nResponse Center\\nXXXX XXXX XXXX XXXXWashington, DC XXXX To the extent not included in item 1 above:\\na. National banks, federal savings associations, and federal branches and federal agencies of foreign\\nbanks\\nb. State member banks, branches and agencies of foreign banks (other than federal branches, federal\\nagencies, and insured state branches of foreign banks), commercial lending companies owned or\\ncontrolled by foreign banks, and organizations operating under section 25 or 25A of the Federal\\nReserve Act\\nc. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings\\nassociations\\nd. Federal Credit Unions\\na. OUce of the Comptroller of the\\nCurrency\\nCustomer Assistance GroupXXXX XXXX XXXX TX XXXX. Federal Reserve Consumer Help\\nCenter\\XXXX XXXX XXXX MN XXXX Division of Depositor and Consumer\\nProtection\\nNational Center for Consumer and\\nDepositor Assistance\\nFederal Deposit Insurance CorporationXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX National Credit Union Administration\\nOUce of Consumer Financial ProtectionXXXX XXXX XXXX, VA XXXX. Air carriers Assistant General Counsel for OUce of\\nAviation Consumer Protection\\nDepartment of TransportationXXXX XXXX XXXX XXXX XXXXWashington, DC XXXX. Creditors Subject to Surface Transportation Board OUce of Public Assistance,\\nGovernmental Affairs, and Compliance\\nSurface Transportation BoardXXXX XXXX XXXX XXXXWashington, DC XXXX Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards\\nDivision Regional OUce\\n6. Small Business Investment Companies Associate Administrator, OUce of\\nCapital Access\\nUnited States Small Business\\nAdministrationXXXX XXXX XXXX XXXX XXXX XXXXWashington, DC 2XXXX Brokers and Dealers Securities and Exchange CommissionXXXX XXXX XXXX XXXXWashington, DC XXXX  Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and\\nProduction Credit Associations\\nFarm Credit AdministrationXXXX XXXX XXXX XXXX VA XXXX. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional OUce for region in which'","date_sent_to_company":"2025-10-06T04:07:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"71303","tags":null,"has_narrative":true,"complaint_id":"16371365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kashia Services","date_received":"2025-10-06T04:03:50.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["\\nYou have the right to dispute incomplete or <em>inaccurate</em> information. If you identify information in your fle that is incomplete or <em>inaccurate</em>, and report it\\nto the consumer reporting agency, the agency must <em>investigate</em> unless your dispute is frivolous. See www.consumerfnance.gov/learnmore for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, incomplete, or unveri;able information."]},"sort":[5.9946375,"16371365"]},{"_index":"complaint-public-v1","_id":"16371236","_score":5.9946375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Final Warning  Fraudulent and Misleading Credit Reporting\\n\\nThis complaint applies to your companys continued false and misleading credit reporting in violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2), the Fair Debt Collection Practices Act, and Louisiana state consumer-credit laws.\\n\\nOver the past year, I have repeatedly disputed multiple violations across tradelines your company reports under my name, including but not limited to:\\n\\t\\tRe-aging of delinquent or charged-off accounts to appear recent\\n\\t\\tDuplicate reporting of sold or transferred debts\\n\\t\\tInflated or fabricated charge-off balances\\n\\t\\tPhantom or false payment entries\\n\\t\\tFailure to correct or delete inaccurate or unverifiable information after notice\\n\\nThese acts constitute willful and fraudulent misrepresentation of my credit history. I have provided documentation, submitted disputes, and filed prior complaints, yet your company continues to report inaccurate and harmful information.\\n\\nAs of XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy has been officially filed in the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence. If these false entries are not corrected or permanently deleted from all credit bureaus within five (5) business days, I will instruct my attorney to initiate civil action seeking damages, penalties, and sanctions for willful violations of federal and state law.\\n\\nThis is your final warning and final opportunity to correct these violations voluntarily before they are presented in open court.\\n\\nWritten confirmation of correction or deletion must be sent toXXXX XXXX XXXX XXXX XXXX XXXX XXXXBankruptcy Filed: XXXX XXXX XXXXFair Credit Reporting Act (FCRA)\\nXXXX XXXX XXXX XXXX XXXX www.consumer+nance.gov/learnmore XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXXWashington, D.C. XXXXnA Summary of Your Rights Under the Fair Credit Reporting Act.\\nThe federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the fles of consumer reporting agencies.\\nThere are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about\\ncheck writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information,\\nincluding information about additional rights, go to www.consumer;nance.gov/learnmore or write to: Consumer Financial Protection Bureau, XXXX XXXX XXXX Washington, D.C. XXXXnYou must be told if information in your ;le has been used against you. Anyone who uses a credit report or another type of consumer report to deny\\nyour application for credit, insurance, or employment  or to take another adverse action against you  must tell you, and must give you the name,\\naddress, and phone number of the agency that provided the information.\\nYou have the right to know what is in your ;le. You may request and obtain all the information about you in the fles of a consumer reporting agency\\n(your \"fle disclosure\"). You will be required to provide proper identifcation, which may include your Social Security number. In many cases, the\\ndisclosure will be free. You are entitled to a free fle disclosure if:\\na person has taken adverse action against you because of information in your credit report;\\nyou are the victim of identity theft and place a fraud alert in your fle;\\nyour fle contains inaccurate information as a result of fraud;\\nyou are on public assistance;\\nyou are unemployed but expect to apply for employment within 60 days.\\nIn addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide\\nspecialty consumer reporting agencies. See www.consumerfnance.gov/learnmore for additional information.\\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus.\\nYou may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you\\nwill have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.\\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your fle that is incomplete or inaccurate, and report it\\nto the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfnance.gov/learnmore for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unveri;able information. Inaccurate, incomplete or unverifable\\ninformation must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has\\nverifed as accurate.\\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative\\ninformation that is more than seven years old, or bankruptcies that are more than 10 years old.\\nAccess to your ;le is limited. A consumer reporting agency may provide information about you only to people with a valid need  usually to consider an\\napplication with a creditor, insurer, employer, landlord, or other business. The FCRA specifes those with a valid need for access.\\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your\\nemployer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.\\nFor more information, go to www.consumerfnance.gov/learnmore.\\nYou may limit \"prescreened\" offers of credit and insurance you get based on information in your credit report. Unsolicited \"prescreened\" offers for\\ncredit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are\\nbased on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX).\\nYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a\\nconsumer reporting agency violates the FCRA, you may be able to sue in state or federal court.\\nIdentity theft victims and active duty military personnel have additional rights. For more Information, visit www.consumerfnance.gov/learnmore.\\nConsumers Have The Right To Obtain A Security Freeze\\nYou have a right to place a \\'security freeze\\' on your credit report, which will prohibit a consumer reporting agency from releasing information in your\\ncredit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name\\nwithout your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and fnancial\\ninformation in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a\\nnew loan, credit, mortgage, or any other account involving the extension of credit.\\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit fle at no cost. An initial fraud alert is a\\n1-year alert that is placed on a consumer\\'s credit fle. Upon seeing a fraud alert display on a consumer\\'s credit fle, a business is required to take steps\\nto verify the consumer\\'s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a\\nfraud alert lasting 7 years.\\nA security freeze does not apply to a person or entity, or its aUliates, or collection agencies acting on behalf of the person or entity, with which you have\\nan existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account\\nincludes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\\nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.\\nFor more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal\\nrights, contact:\\nFOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:\\n1.a. Banks, savings associations, and credit unions with total assets of over XXXX XXXX  and their\\naUliates.\\nb. Such aUliates that are not banks, savings associations, or credit unions also should list in addition\\nto the Bureau:\\na. Bureau of Consumer Financial\\nProtection\\nXXXX XXXX XXXX XXXX\\nWashington, DC XXXX Federal Trade Commission Consumer\\nResponse Center\\nXXXX XXXX XXXX XXXXWashington, DC XXXX. To the extent not included in item 1 above:\\na. National banks, federal savings associations, and federal branches and federal agencies of foreign\\nbanks\\nb. State member banks, branches and agencies of foreign banks (other than federal branches, federal\\nagencies, and insured state branches of foreign banks), commercial lending companies owned or\\ncontrolled by foreign banks, and organizations operating under section 25 or 25A of the Federal\\nReserve Act\\nc. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings\\nassociations\\nd. Federal Credit Unions\\na. OUce of the Comptroller of the\\nCurrency\\nCustomer Assistance GroupXXXX XXXX XXXX  TX XXXX  Federal Reserve Consumer Help\\nCenter\\nXXXX XXXX XXXX  MN XXXX Division of Depositor and Consumer\\nProtection\\nNational Center for Consumer and\\nDepositor Assistance\\nFederal Deposit Insurance Corporation\\nXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. National Credit Union Administration\\nOUce of Consumer Financial ProtectionXXXX XXXX XXXX, VA 2XXXX. Air carriers Assistant General Counsel for OUce of\\nAviation Consumer Protection\\nDepartment of Transportation\\nXXXX XXXX XXXX XXXX XXXXWashington, DC XXXX  Creditors Subject to Surface Transportation Board OUce of Public Assistance,\\nGovernmental Affairs, and Compliance\\nSurface Transportation BoardXXXX XXXX XXXX XXXXWashington, DC XXXX Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards\\nDivision Regional OUce\\n6. Small Business Investment Companies Associate Administrator, XXXX XXXX XXXXUnited States Small Business\\nAdministration\\nXXXX XXXX XXXX XXXX XXXX XXXXWashington, DC XXXX. Brokers and Dealers Securities and Exchange Commission\\nXXXX XXXX XXXX XXXXWashington, DC XXXXXXXX Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and\\nProduction Credit Associations\\nFarm Credit Administration\\nXXXX XXXX XXXX XXXX VA XXXX. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional OUce for region in which'","date_sent_to_company":"2025-10-06T04:24:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"71303","tags":null,"has_narrative":true,"complaint_id":"16371236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-10-06T04:19:16.000Z","state":"LA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["\\nYou have the right to dispute incomplete or <em>inaccurate</em> information. If you identify information in your fle that is incomplete or <em>inaccurate</em>, and report it\\nto the consumer reporting agency, the agency must <em>investigate</em> unless your dispute is frivolous. See www.consumerfnance.gov/learnmore for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, incomplete, or unveri;able information."]},"sort":[5.9946375,"16371236"]},{"_index":"complaint-public-v1","_id":"16398028","_score":5.971388,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Final Warning  Fraudulent and Misleading Credit Reporting\\n\\nThis complaint applies to your companys continued false and misleading credit reporting in violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2), the Fair Debt Collection Practices Act, and Louisiana state consumer-credit laws.\\n\\nOver the past year, I have repeatedly disputed multiple violations across tradelines your company reports under my name, including but not limited to:\\n\\t\\tRe-aging of delinquent or charged-off accounts to appear recent\\n\\t\\tDuplicate reporting of sold or transferred debts\\n\\t\\tInflated or fabricated charge-off balances\\n\\t\\tPhantom or false payment entries\\n\\t\\tFailure to correct or delete inaccurate or unverifiable information after notice\\n\\nThese acts constitute willful and fraudulent misrepresentation of my credit history. I have provided documentation, submitted disputes, and filed prior complaints, yet your company continues to report inaccurate and harmful information.\\n\\nAs of XXXX XXXX XXXX, my XXXX XXXX bankruptcy has been officially filed in the United States Bankruptcy Court for the Western District of Louisiana. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\\n\\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence. If these false entries are not corrected or permanently deleted from all credit bureaus within five (5) business days, I will instruct my attorney to initiate civil action seeking damages, penalties, and sanctions for willful violations of federal and state law.\\n\\nThis is your final warning and final opportunity to correct these violations voluntarily before they are presented in open court.\\n\\nWritten confirmation of correction or deletion must be sent to:\\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\\nA Summary of Your Rights Under the Fair Credit Reporting Act.\\nThe federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the fles of consumer reporting agencies.\\nThere are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about\\ncheck writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information,\\nincluding information about additional rights, go to XXXX or write to: Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX.\\nYou must be told if information in your ;le has been used against you. Anyone who uses a credit report or another type of consumer report to deny\\nyour application for credit, insurance, or employment  or to take another adverse action against you  must tell you, and must give you the name,\\naddress, and phone number of the agency that provided the information.\\nYou have the right to know what is in your ;le. You may request and obtain all the information about you in the fles of a consumer reporting agency\\n(your \"fle disclosure\"). You will be required to provide proper identifcation, which may include your Social Security number. In many cases, the\\ndisclosure will be free. You are entitled to a free fle disclosure if:\\na person has taken adverse action against you because of information in your credit report;\\nyou are the victim of identity theft and place a fraud alert in your fle;\\nyour fle contains inaccurate information as a result of fraud;\\nyou are on public assistance;\\nyou are unemployed but expect to apply for employment within XXXX  days.\\nIn addition, all consumers are entitled to one free disclosure every XXXX  months upon request from each nationwide credit bureau and from XXXX\\nspecialty consumer reporting agencies. See www.consumerfnance.gov/learnmore for additional information.\\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus.\\nYou may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you\\nwill have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.\\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your fle that is incomplete or inaccurate, and report it\\nto the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See XXXX for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unveri;able information. Inaccurate, incomplete or unverifable\\ninformation must be removed or corrected, usually within XXXX  days. However, a consumer reporting agency may continue to report information it has\\nverifed as accurate.\\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative\\ninformation that is more than seven years old, or bankruptcies that are more than XXXX  years old.\\nAccess to your ;le is limited. A consumer reporting agency may provide information about you only to people with a valid need  usually to consider an\\napplication with a creditor, insurer, employer, landlord, or other business. The FCRA specifes those with a valid need for access.\\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your\\nemployer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.\\nFor more information, go to www.consumerfnance.gov/learnmore.\\nYou may limit \"prescreened\" offers of credit and insurance you get based on information in your credit report. Unsolicited \"prescreened\" offers for\\ncredit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are\\nbased on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\\nYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a\\nconsumer reporting agency violates the FCRA, you may be able to sue in state or federal court.\\nIdentity theft victims and active duty military personnel have additional rights. For more Information, visit XXXX Have The Right To Obtain A Security Freeze\\nYou have a right to place a \\'security freeze\\' on your credit report, which will prohibit a consumer reporting agency from releasing information in your\\ncredit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name\\nwithout your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and fnancial\\ninformation in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a\\nnew loan, credit, mortgage, or any other account involving the extension of credit.\\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit fle at no cost. An initial fraud alert is a\\n1-year alert that is placed on a consumer\\'s credit fle. Upon seeing a fraud alert display on a consumer\\'s credit fle, a business is required to take steps\\nto verify the consumer\\'s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a\\nfraud alert lasting 7 years.\\nA security freeze does not apply to a person or entity, or its aUliates, or collection agencies acting on behalf of the person or entity, with which you have\\nan existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account\\nincludes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\\nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.\\nFor more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal\\nrights, contact:\\nFOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:\\n1.a. Banks, savings associations, and credit unions with total assets of over XXXX XXXX and their\\naUliates.\\nb. Such aUliates that are not banks, savings associations, or credit unions also should list in addition\\nto the Bureau:\\na. Bureau of Consumer Financial\\nProtection\\nXXXX XXXX XXXX XXXX XXXX XXXX\\nb. Federal Trade Commission Consumer\\nResponse Center\\nXXXX XXXX XXXX XXXX XXXX XXXX\\n2. To the extent not included in item 1 above:\\na. National banks, federal savings associations, and federal branches and federal agencies of foreign\\nbanks\\nb. State member banks, branches and agencies of foreign banks (other than federal branches, federal\\nagencies, and insured state branches of foreign banks), commercial lending companies owned or\\ncontrolled by foreign banks, and organizations operating under section 25 or 25A of the Federal\\nReserve Act\\nc. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings\\nassociations\\nd. Federal Credit Unions\\na. OUce of the Comptroller of the\\nCurrency\\nCustomer Assistance Group\\nXXXX XXXX XXXX XXXX XXXX\\nb. Federal Reserve Consumer Help\\nCenter\\nXXXX XXXX XXXX XXXX XXXX\\nc. Division of Depositor and Consumer\\nProtection\\nNational Center for Consumer and\\nDepositor Assistance\\nFederal Deposit Insurance Corporation\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\nd. National Credit Union Administration\\nOUce of Consumer Financial Protection\\nXXXX XXXX XXXX XXXX XXXX\\n3. Air carriers Assistant General Counsel for OUce of\\nAviation Consumer Protection\\nDepartment of Transportation\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\\n4. Creditors Subject to Surface Transportation Board OUce of Public Assistance,\\nGovernmental Affairs, and Compliance\\nSurface Transportation Board\\nXXXX XXXX XXXX XXXX XXXX XXXX\\n5. Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards\\nDivision Regional OUce\\n6. Small Business Investment Companies Associate Administrator, OUce of\\nCapital Access\\nUnited States Small Business\\nAdministration\\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\\n7. Brokers and Dealers Securities and Exchange Commission\\nXXXX XXXX XXXX XXXX XXXX XXXX\\n8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and\\nProduction Credit Associations\\nFarm Credit Administration\\n1501 Farm Credit Drive\\nMcLean, VA 22102-5090\\n9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional OUce for region in which'","date_sent_to_company":"2025-10-06T04:03:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"71303","tags":null,"has_narrative":true,"complaint_id":"16398028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Braviant Holdings, LLC","date_received":"2025-10-06T03:57:51.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["\\nYou have the right to dispute incomplete or <em>inaccurate</em> information. If you identify information in your fle that is incomplete or <em>inaccurate</em>, and report it\\nto the consumer reporting agency, the agency must <em>investigate</em> unless your dispute is frivolous. See XXXX for an\\nexplanation of dispute procedures.\\nConsumer reporting agencies must <em>correct</em> or delete <em>inaccurate</em>, incomplete, or unveri;able information."]},"sort":[5.971388,"16398028"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":18,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":18}]}},"product":{"doc_count":18,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":16}]}},{"key":"Debt collection","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Rental debt","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"VA mortgage","doc_count":1}]}}]}},"issue":{"doc_count":18,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":6},{"key":"Account status incorrect","doc_count":1}]}},{"key":"Improper use of your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":3}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":1}]}},{"key":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":1}]}}]}},"timely":{"doc_count":18,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":18}]}},"company_response":{"doc_count":18,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":16},{"key":"Closed with monetary relief","doc_count":1},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":18,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":18}]}},"company":{"doc_count":18,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":3},{"key":"Experian Information Solutions Inc.","doc_count":3},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3},{"key":"Army and Air Force Exchange Service","doc_count":1},{"key":"Braviant Holdings, LLC","doc_count":1},{"key":"CashRepublic Holdings, Inc.","doc_count":1},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":1},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":1},{"key":"Kashia Services","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1}]}},"state":{"doc_count":18,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":9},{"key":"LA","doc_count":5},{"key":"AP","doc_count":1},{"key":"GA","doc_count":1},{"key":"OK","doc_count":1},{"key":"TN","doc_count":1}]}},"company_public_response":{"doc_count":18,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":10}]}},"tags":{"doc_count":18,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":13}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}