{"took":273,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":12828,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"23423660","_score":15.860693,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding XXXX XXXX XXXX for inaccurate credit reporting and failure to properly validate an alleged debt. \nXXXX XXXX XXXX is reporting a collection account on my consumer report for an alleged debt originally associated with XXXX XXXX XXXX XXXX XXXX in the amount of {$980.00}. \nI requested validation of this debt pursuant to the FDCPA and disputed the accuracy of the reporting under the FCRA. The company has failed to provide competent evidence validating : Original signed agreement Chain of assignment Full payment history Itemized accounting of the balance Documentation proving legal ownership of the debt Despite the lack of proper validation, the company continues reporting the account to consumer reporting agencies. \nThis may constitute violations of : FCRA 1681e ( b ) FCRA 1681i FDCPA 1692e FDCPA 1692f FDCPA 1692g I am requesting : 1. Immediate deletion of the collection account from all credit bureaus 2. Investigation into inaccurate reporting XXXX. Written confirmation of deletion I am filing this complaint against XXXX XXXX regarding inaccurate reporting of a charged-off account on my consumer report. \nThe account is reporting inaccurate and inconsistent information, including : Ongoing monthly charge-off reporting Inaccurate balance calculations Inaccurate delinquency reporting Potentially inaccurate date of first delinquency I disputed this account and requested documentation validating the reporting. The company failed to provide sufficient evidence supporting the accuracy of the account. \nUnder the Fair Credit Reporting Act, furnishers are required to report complete and accurate information. \nPossible violations include : FCRA 1681e ( b ) FCRA 1681i FCRA 1681s-2 ( a ) I request : 1. Immediate correction or deletion of inaccurate information 2. Verification of the balance and payment history 3. Written results of the investigation I am submitting this complaint regarding inaccurate reporting by XXXX XXXX XXXX XXXX \nThe company is reporting a charged-off account with disputed balances, delinquency history, and payment information. \nI requested verification and documentation supporting : Balance calculations Payment history Date of first delinquency Charge-off status The company failed to provide sufficient documentation verifying the account. \nThis may violate : FCRA 1681e ( b ) FCRA 1681i FCRA 1681s-2 ( a ) I request : 1. Immediate investigation 2. Deletion of unverifiable information 3. Written confirmation of the investigation results I am filing this complaint regarding inaccurate reporting by XXXX XXXX. \nThe company is reporting disputed delinquency history and account status information on my consumer report. \nI requested validation and verification of : Payment history Account status Balance calculations Delinquency reporting The company failed to provide competent evidence supporting the accuracy of the reporting.\n\nThis may constitute violations of : FCRA 1681e ( b ) FCRA 1681i I request : 1. Immediate deletion or correction of inaccurate reporting 2. Proper reinvestigation of the disputed account 3. Written confirmation of the results I am filing this complaint against XXXX XXXX XXXX XXXX regarding inaccurate reporting of a charged-off account. \nThe company continues reporting ongoing monthly charge-off activity and inconsistent balance information that I dispute as inaccurate.\n\nI requested verification of : Date of first delinquency Balance calculations Charge-off reporting Payment history The company failed to provide sufficient documentation validating the account reporting.\n\nPossible violations include : FCRA 1681e ( b ) FCRA 1681i FCRA 1681s-2 ( a ) I request : 1. Immediate deletion or correction of inaccurate information 2. Written proof validating the account 3. Confirmation of investigation results I am filing this complaint regarding inaccurate reporting by XXXX XXXX XXXX XXXX \nThe account contains disputed late payment history, delinquency reporting, and balance information.\n\nI requested verification and documentation validating the reporting, but the company failed to provide sufficient evidence supporting the accuracy of the account.\n\nThis may violate : FCRA 1681e ( b ) FCRA 1681i I request : 1. Immediate investigation 2. Deletion of unverifiable information 3. Written confirmation of the investigation outcome I am filing this complaint against XXXX XXXX regarding inaccurate late payment and settlement reporting. \nThe account contains disputed payment history and settlement reporting that may be incomplete or inaccurate.\n\nI requested documentation validating : Late payment reporting Settlement status Delinquency history The company failed to provide sufficient evidence supporting the reporting.\n\nPossible violations include : FCRA 1681e ( b ) FCRA 1681i I request : 1. Immediate reinvestigation 2. Deletion or correction of inaccurate information 3. Written confirmation of investigation results I am filing this complaint regarding inaccurate reporting by XXXX. \nThe account reflects disputed late payment history and delinquency reporting that I believe is inaccurate or incomplete.\n\nI requested verification and documentation supporting the reporting, but the company failed to adequately validate the account.\n\nPossible violations include : FCRA 1681e ( b ) FCRA 1681i I request : 1. Immediate investigation 2. Removal or correction of inaccurate reporting 3. Written confirmation of the outcome","date_sent_to_company":"2026-06-21T04:04:18.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"77571","tags":null,"has_narrative":true,"complaint_id":"23423660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Finance Company, LLC","date_received":"2026-06-21T03:40:25.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Immediate <em>deletion</em> of the collection account from all credit bureaus 2. <em>Investigation</em> into <em>inaccurate</em> <em>reporting</em> XXXX. Written <em>confirmation</em> of <em>deletion</em> I am filing this complaint against XXXX XXXX regarding <em>inaccurate</em> <em>reporting</em> of a charged-off account on my consumer <em>report</em>."]},"sort":[15.860693,"23423660"]},{"_index":"complaint-public-v1","_id":"13849598","_score":15.327106,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XXXX and XXXX, I disputed a XX/XX/XXXX charge-off account with Experian multiple times due to incorrect reporting. Despite paying the account in full in XX/XX/XXXX and receiving a deletion confirmation letter from XXXX dated XX/XX/XXXX, Experian continued to report the account with charge-off status and inaccurate payment history. \n\nI mailed certified legal letters requesting both deletion and my full consumer file under FCRA 609. I also filed a CFPB complaint in XX/XX/XXXX. Only after that did Experian finally remove the account but they failed to acknowledge the deletion in writing, stating only that the item was not listed, despite the fact that it had been previously reported for over a year. \n\nI have never received my full consumer file, including dispute history, source of data, or investigation records. Experian continues to ignore this request, violating my rights under FCRA 609 and 611. \n\nI am requesting : Written confirmation that the XXXX account was deleted due to my dispute Full disclosure of my consumer file as required by law A formal investigation into Experians failure to correct inaccurate information for over a year, and their attempt to obscure that correction after legal pressure Their handling of this case appears to be an intentional effort to avoid liability, despite clear documentation proving their reporting was false. \n\nIf I do not receive a formal settlement offer and written confirmation of deletion, my next communication will be through legal counsel. I am fully prepared to pursue this matter through litigation for damages under the Fair Credit Reporting Act.","date_sent_to_company":"2025-06-02T16:11:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"13849598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-02T15:55:11.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In XXXX and XXXX, I disputed a XX/XX/XXXX charge-off account with Experian multiple times due to incorrect <em>reporting</em>. Despite paying the account in full in XX/XX/XXXX and receiving a <em>deletion</em> <em>confirmation</em> letter from XXXX dated XX/XX/XXXX, Experian continued to <em>report</em> the account with charge-off status and <em>inaccurate</em> payment history. \n\nI mailed certified legal letters requesting both <em>deletion</em> and my full consumer file under FCRA 609. I also filed a CFPB complaint in XX/XX/XXXX."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[15.327106,"13849598"]},{"_index":"complaint-public-v1","_id":"15078290","_score":15.270127,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I disputed an account reported by Rent Recovery Solutions through the credit bureaus. My dispute explained that the account was inaccurately reported due to a medically documented auto accident that left me unable to work, and I requested that it be investigated in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nIn my follow-up communication, I specifically requested : Deletion of the account from all credit reporting agencies. \n\nWritten confirmation of deletion. \n\nCopies of all documents relied upon to verify the account. \n\nRent Recovery Solutions responded by incorrectly stating that I reported this account as an identity theft matter, which I never claimed. They did not address the actual substance of my dispute, failed to provide the requested verification documents, and did not provide confirmation of deletion. \n\nBy mischaracterizing my dispute, Rent Recovery Solutions failed to conduct a reasonable investigation as required under FCRA 1681s-2 ( b ). The account remains on my credit report without proper verification and should be removed.","date_sent_to_company":"2025-08-05T05:00:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"995XX","tags":null,"has_narrative":true,"complaint_id":"15078290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rent Recovery Solutions","date_received":"2025-08-05T02:53:49.000Z","state":"AK","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I disputed an account <em>reported</em> by Rent Recovery Solutions through the credit bureaus. My dispute explained that the account was <em>inaccurately</em> <em>reported</em> due to a medically documented auto accident that left me unable to work, and I requested that it be <em>investigated</em> in compliance with the Fair Credit <em>Reporting</em> Act ( FCRA ). \n\nIn my follow-up communication, I specifically requested : <em>Deletion</em> of the account from all credit <em>reporting</em> agencies. \n\nWritten <em>confirmation</em> of <em>deletion</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.270127,"15078290"]},{"_index":"complaint-public-v1","_id":"16397864","_score":15.232497,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies and violations on my credit report. Despite my previous efforts to correct these issues directly with the reporting agencies, the errors persist, causing significant harm to my creditworthiness, financial stability, and access to essential financial services. I request CFPB intervention to ensure the full and accurate reporting of my credit information in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection laws. \n\nAddress : XXXX XXXX XXXX XXXX, SC XXXX Wrong Address This address is inaccurately reported on my credit file. FCRA 611 requires reinvestigation of disputed items and correction of inaccuracies. I have never resided or authorized reporting to this address. Maintaining this address misleads lenders and affects my credit risk assessment. The bureau must verify with documented proof or delete the address. Prior investigations did not provide verification, constituting a violation of my rights under FCRA 609 ( a ), 611 ( a ). My creditworthiness and personal history are being misrepresented by this false address. Verification must include signed documentation from the creditor confirming residence. Failure to verify requires immediate deletion. This inaccurate reporting has caused tangible harm and potential denial of credit offers. Corrective action is necessary under FCRA obligations. All reporting agencies must comply fully. Deletion and written confirmation of removal are required. The failure to correct this repeated misinformation demonstrates negligence and disregard for my statutory rights. I demand immediate and permanent removal of this address from my credit file. This reporting constitutes a direct violation of FCRA that impacts credit decisions and may expose the bureaus to legal liability. \n\nAddress : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX Wrong Address This address is falsely associated with my credit report. Under FCRA 607 ( b ), 611, inaccurate addresses must be corrected or removed upon dispute. I have never resided here, nor authorized reporting to this location. Prior dispute efforts failed to verify or remove it. The continued presence of this incorrect information harms my credit profile and misleads lenders. I demand proper investigation with proof of residence or deletion. Documentation from the reporting entity is required. Retention of this address without verification violates FCRA 609 ( a ) and 611 ( a ). Reporting of unverified addresses is a direct violation, affecting my ability to obtain credit fairly. Immediate corrective action is required, with written confirmation. Failure to remove false addresses undermines my legal rights and financial opportunities. I insist that this incorrect address be permanently deleted to prevent future reporting errors. The presence of false addresses is a serious breach of accuracy requirements under FCRA. Written confirmation of removal is mandatory. \n\nAccount : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off This account is inaccurately reported as a charge-off. FCRA 611 requires that disputed accounts be verified with original creditor documentation. I have no obligation for this debt as reported ; prior disputes did not yield verification. Reporting unverified charge-offs misrepresents my creditworthiness and violates 607 ( b ), 611. I demand deletion unless proper proof is supplied. Maintaining this account as a charge-off without verification is unfair, misleading, and a violation of law. Verification must include signed account statements confirming debt responsibility. Inaccuracy continues to cause harm to my credit profile. Corrective deletion or proper verification documentation is required. Prior reinvestigation efforts failed to resolve this issue. Continued reporting violates my legal rights under FCRA and threatens my ability to secure fair financing. I demand the bureau provide full validation or remove this item immediately. I will pursue all remedies allowed under federal law if unverified items remain. Verification must include all statements, payment history, and debt agreement signed by an authorized officer. \n\nAccount : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off FCRA 611 mandates reinvestigation of disputed accounts. This account is reported as a charge-off incorrectly. No verification has been provided. Continued reporting harms my credit and misleads lenders. Prior disputes did not result in proper documentation. Deletion or accurate reporting is required. Documentation confirming the debt and my responsibility must be provided. Unverified reporting violates 607 ( b ), 609, 611. Maintaining this item is inaccurate and prejudicial. I demand proper investigation and immediate corrective action. The bureau must comply with FCRA obligations fully. Written confirmation of correction or deletion is requested. Failure to act perpetuates misinformation and demonstrates noncompliance with federal law. Verification from the original creditor must be provided immediately. Failure to provide evidence requires deletion. \n\nAccount : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is reported without proper verification, violating FCRA 611. Prior disputes did not provide evidence of accuracy. Retention of this item misrepresents my credit responsibility. Verification requires original creditor statements signed and dated. Failure to verify requires deletion. Reporting unverified charge-offs violates 607 ( b ), 609. Harm to my creditworthiness is ongoing. Bureau must comply with reinvestigation duties. Correction or deletion must be confirmed in writing. Reporting inaccurate charge-offs without proper verification constitutes a serious breach of FCRA. I demand immediate corrective action and written confirmation. If verification can not be provided, deletion is mandatory. Continued failure will result in further legal action. Full account history, payment records, and account opening documents must be verified. \n\nAccount : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge-off inaccurately. FCRA 611 requires validation upon dispute. No verification has been provided. Reporting false charge-offs violates 607 ( b ), 611, misleading lenders. Prior investigations failed. Immediate deletion or proper verification is required. Documentation must confirm debt responsibility. Continued reporting harms credit. Verification must include complete account statements and signed evidence from the original creditor. Deletion is required if verification is unavailable. The bureau has a legal obligation to maintain accurate reporting under FCRA. Failure to comply will result in legal remedies. Full documentation, including contract and payment history, must be verified. Written confirmation of action is required. \n\nAccount : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off FCRA 611 mandates reinvestigation. No validation provided for this charge-off. Prior disputes were ignored or improperly investigated. Continued reporting harms creditworthiness. Verification from the original creditor is required. If unverifiable, deletion is required. Reporting false charge-offs violates 607 ( b ), 609. The ongoing presence of this item is illegal and prejudicial. I demand immediate correction or removal. Written confirmation of removal or proper verification is mandatory. Failure to act demonstrates negligence and disregard for federal law. Documentation proving account accuracy must be provided immediately. \n\nAccount : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$160.00} Date Opened : XX/XX/XXXX Charge Off This account is falsely reported. FCRA 607 ( b ), 611 require verification. Prior disputes provided no results. Reporting unverified charge-offs harms credit. Verification or deletion required. Written confirmation must be provided. Failure to verify constitutes violation of FCRA. Continued inaccurate reporting misleads lenders and negatively impacts my financial standing. All documentation must be produced or the item deleted. The bureau has statutory duty to investigate thoroughly. I demand deletion if verification is not possible. Prior disputes demonstrate ongoing negligence. Legal action will be pursued if this item is not corrected. \n\nAccount : XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} Date Opened : XX/XX/XXXX Charge Off Inaccurate reporting violates FCRA 611. Prior disputes ignored verification requirements. Retention harms credit. Verification or deletion required. 607 ( b ), 609 apply. Written confirmation must follow. Prior reinvestigation failed to provide validation. Continued reporting misleads lenders and affects credit applications. I demand immediate removal if verification is not provided. All supporting documentation must be verified. Failure to act constitutes ongoing violation of FCRA. Written confirmation of action is required. \n\nAccount : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment This late payment is falsely reported. FCRA 611 requires verification. No proof provided. Prior disputes failed. Retention misleads lenders. Verification or deletion required. 607 ( b ), 609 violated. Harmful to credit. Written confirmation requested. Verification must include signed payment history from creditor. Failure to correct violates FCRA. Documentation proving accurate reporting must be supplied. Immediate deletion or correction required. Prior reinvestigation attempts were inadequate. Failure to comply will result in further legal action. \n\nAccount : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} Date Opened : XX/XX/XXXX Late Payment FCRA 611 requires reinvestigation. No verification. Prior disputes inadequate. Reporting is inaccurate. Verification or deletion required. 607 ( b ), 609 violated. Written confirmation requested. Account statements and creditor verification must be provided. Failure to provide verification requires deletion. Misreporting negatively impacts creditworthiness. Prior reinvestigation failed. Immediate corrective action is required. Written confirmation of deletion or correction is mandatory. \n\nAccount : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} Date Opened : XX/XX/XXXX Late Payment Reported falsely. FCRA 611 mandates verification. No proof supplied. Prior disputes failed. Reporting harms credit. Verification or deletion required. 607 ( b ), 609 violated. Written confirmation required. Full creditor documentation must be produced. Failure to correct constitutes ongoing violation. Prior reinvestigation inadequate. Immediate deletion or correction required. Written confirmation of action is mandatory. \n\nAccount : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$610.00} Date Opened : XX/XX/XXXX Late Payment FCRA 611 mandates validation. No verification. Prior disputes ignored. Misleading reporting harms credit. Verification or deletion required. 607 ( b ), 609 violated. Written confirmation requested. Original creditor records must be verified. Failure to act constitutes FCRA violation. Immediate correction required. Written confirmation mandatory. Prior reinvestigation attempts were inadequate. Failure to comply exposes bureaus to liability. \n\nAccount : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$490.00} Date Opened : XX/XX/XXXX Late Payment FCRA 611 requires reinvestigation. No validation. Prior disputes failed. Reporting harms credit. Verification or deletion required. 607 ( b ), 609 violated. Written confirmation requested. Verification from creditor must be provided. Failure to provide documentation requires deletion. Misreporting negatively impacts creditworthiness. Prior reinvestigation attempts insufficient. Immediate corrective action required. Written confirmation mandatory. Failure to act constitutes legal violation. \n\nAccount : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} Date Opened : XX/XX/XXXX Late Payment Reported falsely. FCRA 611 mandates verification. No proof. Prior disputes inadequate. Verification or deletion required. 607 ( b ), 609 violated. Written confirmation requested. Creditor documentation must be produced. Failure to verify requires deletion. Misreporting harms credit. Prior reinvestigation inadequate. Immediate corrective action required. Written confirmation mandatory. Failure to comply violates FCRA. \n\nAccount : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} Date Opened : XX/XX/XXXX Late Payment FCRA 611 requires verification. Reported inaccurately. Prior disputes ineffective. Retention harms creditworthiness. Verification or deletion required. 607 ( b ), 609 violated. Written confirmation required. Full account history and creditor statements must be verified. Failure to correct constitutes violation. Immediate deletion or correction required. Written confirmation mandatory. Misreporting negatively affects my credit applications. Prior reinvestigation insufficient. \n\nInquiry : XXXX XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ) prohibits reporting without permissible purpose. I did not authorize. Removal required. Prior disputes ignored. Written confirmation of deletion required. Unauthorized inquiry harms credit and violates federal law. Documentation of authorization must be produced or deletion required. Continued reporting constitutes a violation. Written confirmation of removal is mandatory. Failure to correct may result in legal action. \n\nInquiry : XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ) violated. No authorization. Deletion required. Written confirmation requested. Harm to credit continues without correction. Bureau must comply with FCRA. Prior disputes ignored. Immediate corrective action required. Written confirmation mandatory. Failure to act constitutes legal violation. \n\nInquiry : XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ) violation. No permissible purpose. Removal required. Written confirmation needed. Unauthorized reporting harms creditworthiness. Bureau has statutory duty. Prior disputes failed. Immediate corrective action required. Written confirmation mandatory. Failure exposes bureaus to liability. \n\nInquiry : XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry FCRA XXXX ( a ) ( XXXX ). No authorization. Removal required. Written confirmation needed. Unauthorized reporting misleads lenders. Prior reinvestigation insufficient. Corrective action required. Written confirmation mandatory. Failure violates federal law. \n\nInquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Removal required. Written confirmation requested. Continued reporting violates federal law. Immediate correction required. Written confirmation mandatory. Prior disputes inadequate. \n\nInquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Removal required. Written confirmation requested. Unauthorized inquiry harms credit. Bureau must comply. Prior disputes failed. Immediate deletion required. Written confirmation mandatory. Failure violates FCRA. \n\nInquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Removal required. Written confirmation requested. Harmful reporting continues. Bureau must act. Prior disputes failed. Immediate corrective action required. Written confirmation mandatory. \n\nInquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Deletion required. Written confirmation requested. Unauthorized reporting harms credit. Bureau must verify authorization or delete. Prior disputes insufficient. Immediate action required. Written confirmation mandatory. \n\nInquiry : XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Removal required. Written confirmation requested. Harmful to credit. Bureau must act. Prior disputes failed. Immediate corrective action required. Written confirmation mandatory. \n\nInquiry : XXXX XXXX  XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Deletion required. Written confirmation requested. Unauthorized reporting affects credit. Bureau must comply. Prior disputes insufficient. Immediate action required. Written confirmation mandatory. \n\nInquiry : XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Removal required. Written confirmation requested. Harmful reporting continues. Bureau must act. Prior disputes failed. Immediate correction required. Written confirmation mandatory. \n\nInquiry : XXXXXXXX XXXX XXXX  XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Deletion required. Written confirmation requested. Unauthorized reporting harms credit. Bureau must comply. Prior disputes failed. Immediate deletion required. Written confirmation mandatory. \n\nInquiry : XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Removal required. Written confirmation requested. Unauthorized reporting negatively impacts credit. Bureau must act. Prior disputes failed. Immediate corrective action required. Written confirmation mandatory.\n\nThese issues collectively demonstrate failures in the credit reporting process and ongoing violations of the Fair Credit Reporting Act. I request that CFPB ensure my credit report reflects accurate and verified information for all listed accounts and addresses, with immediate deletion or correction of inaccurate, unauthorized, or unverifiable items. Enforcement of the FCRA and investigation of the reporting agencies procedures are essential to restore the accuracy and integrity of my credit profile. I am requesting CFPB intervention to compel the reporting agencies to fully comply with federal law, correct all errors, and provide written confirmation of the actions taken.","date_sent_to_company":"2025-10-06T09:00:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76901","tags":null,"has_narrative":true,"complaint_id":"16397864","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-06T07:52:07.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request that CFPB ensure my credit <em>report</em> reflects accurate and verified information for all listed accounts and addresses, with immediate <em>deletion</em> or correction of <em>inaccurate</em>, unauthorized, or unverifiable items. Enforcement of the FCRA and <em>investigation</em> of the <em>reporting</em> agencies procedures are essential to restore the accuracy and integrity of my credit profile."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.232497,"16397864"]},{"_index":"complaint-public-v1","_id":"14684182","_score":14.777485,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EQUIFAX IS ILLEGALLY RE- AGING PORTFOLIO ACCOUNT. Equifax previously confirmed that it would remove an account from XXXX XXXX XXXX from my credit report. Despite this written confirmation, the account was not fully removed. Instead, it was modified and still appears on my report with a false \" updated '' date of XX/XX/year>, which makes it seem as though the debt is recent. \n\nThis is deceptive, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ), specifically provisions prohibiting re-aging of old debt. I have no contract or obligation with XXXX XXXX XXXX, and this debt is not mine. \n\nEquifaxs conduct in updating a deleted account with a misleading 2024 date is not only a violation of the FCRA but also damages my credit standing. I am requesting the CFPB investigate this matter and ensure Equifax permanently deletes the account as promised. \n\n\n\nPermanent deletion of the XXXX XXXX XXXX account. \n\nConfirmation of the deletion in writing. \n\nSanctions or further investigation if Equifax is found to be illegally re-aging accounts.","date_sent_to_company":"2025-07-16T19:16:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"170XX","tags":null,"has_narrative":true,"complaint_id":"14684182","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-16T19:13:14.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am requesting the CFPB <em>investigate</em> this matter and ensure Equifax permanently deletes the account as promised. \n\n\n\nPermanent <em>deletion</em> of the XXXX XXXX XXXX account. \n\n<em>Confirmation</em> of the <em>deletion</em> in writing. \n\nSanctions or further <em>investigation</em> if Equifax is found to be illegally re-aging accounts."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.777485,"14684182"]},{"_index":"complaint-public-v1","_id":"9724808","_score":14.692864,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request an investigation into the inaccurate reporting of my credit information and to demand the deletion of the following account XXXX XXXX XXXXXXXX Account Number : XXXX In XX/XX/year>, information regarding this account was provided by a data furnisher to the credit bureaus. However, there are discrepancies in the reported data across the three major credit reporting agencies : - XXXX* reported the account as a charge-off in XX/XX/year> - **TransUnion** data shows no information regarding this account. \n\nThese inconsistencies highlight the inaccurate reporting of my credit information. I have provided documentation demonstrating these discrepancies and showing the inaccuracies across all three bureaus. This inaccurate information falsely manipulates the statute of limitations and has caused significant harm to my credit profile. \n\nUnder the Fair Credit Reporting Act, I have the right to accurate and consistent information across all credit bureaus. Your failure to investigate this account properly and correct the discrepancies has violated my rights. \n\nI am demanding the deletion of the XXXX XXXX account from my credit report due to these inaccuracies and the improper investigation of this account. I expect a prompt resolution to this matter and confirmation of the deletion.","date_sent_to_company":"2024-08-06T13:00:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"31206","tags":null,"has_narrative":true,"complaint_id":"9724808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-06T12:52:06.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am demanding the <em>deletion</em> of the XXXX XXXX account from my credit <em>report</em> due to these inaccuracies and the improper <em>investigation</em> of this account. I expect a prompt resolution to this matter and <em>confirmation</em> of the <em>deletion</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.692864,"9724808"]},{"_index":"complaint-public-v1","_id":"21558181","_score":14.652994,"_source":{"product":"Debt collection","complaint_what_happened":"I disputed a collection account from XXXX. XXXX XXXX related to AT & XXXX XXXX \n\nThe company previously provided written confirmation that they would no longer pursue collection of this account and would request that it be removed from all credit reporting agencies. \n\nHowever, the account is still being reported on my credit report and has been marked as verified and updated after my dispute. This is inaccurate and misleading because the company already confirmed they would stop collection efforts and request deletion. \n\nAdditionally, there are inconsistencies in the reporting, including invalid or inaccurate information that was not properly corrected during the investigation. \n\nI believe this is a failure to conduct a proper investigation and a violation of fair credit reporting standards. \n\nThe company is continuing to report this account despite providing written confirmation that collection would cease and that the account would be removed, which I believe is inaccurate reporting under the Fair Credit Reporting Act.","date_sent_to_company":"2026-04-24T07:56:05.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"449XX","tags":null,"has_narrative":true,"complaint_id":"21558181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2026-04-24T07:30:56.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Additionally, there are inconsistencies in the <em>reporting</em>, including invalid or <em>inaccurate</em> information that was not properly corrected during the <em>investigation</em>. \n\nI believe this is a failure to conduct a proper <em>investigation</em> and a violation of fair credit <em>reporting</em> standards."]},"sort":[14.652994,"21558181"]},{"_index":"complaint-public-v1","_id":"9724773","_score":14.522772,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request an investigation into the inaccurate reporting of my credit information and to demand the deletion of the following account : *XXXX XXXX Account Number : XXXX In XX/XX/year>, information regarding this account was provided by a data furnisher to the credit bureaus. However, there are discrepancies in the reported data across the three major credit reporting agencies : - *XXXX reported the account as a charge-off in XX/XX/year>. \n- XXXX  reported the account as paid on time in XX/XX/year>. \n- **TransUnion** data shows no information regarding this account. \n\nThese inconsistencies highlight the inaccurate reporting of my credit information. I have provided documentation demonstrating these discrepancies and showing the inaccuracies across all three bureaus. This inaccurate information falsely manipulates the statute of limitations and has caused significant harm to my credit profile. \n\nUnder the Fair Credit Reporting Act, I have the right to accurate and consistent information across all credit bureaus. Your failure to investigate this account properly and correct the discrepancies has violated my rights. \n\nI am demanding the deletion of the XXXX XXXX account from my credit report due to these inaccuracies and the improper investigation of this account. I expect a prompt resolution to this matter and confirmation of the deletion.","date_sent_to_company":"2024-08-06T12:40:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"31206","tags":null,"has_narrative":true,"complaint_id":"9724773","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-06T12:26:30.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the Fair Credit <em>Reporting</em> Act, I have the right to accurate and consistent information across all credit bureaus. Your failure to <em>investigate</em> this account properly and correct the discrepancies has violated my rights. \n\nI am demanding the <em>deletion</em> of the XXXX XXXX account from my credit <em>report</em> due to these inaccuracies and the improper <em>investigation</em> of this account. I expect a prompt resolution to this matter and <em>confirmation</em> of the <em>deletion</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.522772,"9724773"]},{"_index":"complaint-public-v1","_id":"16456423","_score":14.460077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint with CFPB to address multiple inaccurate accounts, unauthorized inquiries, and wrong addresses reported on my credit report. These inaccuracies are severely impacting my creditworthiness, causing financial harm, and violating federal credit reporting laws. I request a thorough investigation, correction, and deletion of all inaccurate and unverifiable information. \n\nXXXX XXXX XXXX XXXX XXXX, NJ XXXX This address is incorrectly reported and has never been associated with me. FCRA Sections 607 ( b ) and 611 ( a ) mandate that all information be accurate and verifiable. Reporting false addresses misrepresents my credit file and can negatively impact my creditworthiness, borrowing capacity, and personal security. Verification documentation must be provided, and if unverifiable, this address must be deleted immediately. Maintaining inaccurate addresses is harmful, misleading, and a violation of federal law. I demand confirmation of correction or deletion. Reporting unverifiable addresses exposes me to identity theft, fraud, and financial harm. Accurate reporting ensures integrity and fairness in my credit profile. Duplicate and false addresses must be removed immediately. Failure to comply is a willful violation of FCRA Sections 607 ( b ) and 611 ( a ). Immediate reinvestigation is required. The continued presence of unverifiable addresses is harmful and unacceptable. Verification documentation must be disclosed or deletion must occur. \nXXXX XXXX XXXX XXXX XXXX, PA XXXX Duplicate inaccurate address reporting continues, which violates Sections 607 ( b ) and 611 ( a ) of the FCRA. I have never lived at this location. Verification must be provided or the address must be permanently deleted. Reporting false addresses misrepresents my identity and negatively impacts lenders, landlords, and other financial institutions. Maintaining duplicate, unverifiable information exposes me to identity theft and financial harm. I demand full reinvestigation and written confirmation of deletion or correction. Failure to correct this violation is illegal and damaging. Accurate reporting protects my financial opportunities and creditworthiness. I insist on immediate deletion or correction of this false entry. Continued reporting is unacceptable and violates federal law. Verification documentation must be provided. \nXXXX XXXX XXXX XXXX, NJ XXXX This address is inaccurately reported and I have never resided here. FCRA Sections 607 ( b ) and 611 ( a ) require verification and removal of unverifiable data. Reporting false addresses misrepresents my residence history and harms my creditworthiness. Verification documentation must be provided or the entry must be deleted immediately. Maintaining unverifiable addresses exposes me to identity theft and financial harm. I demand immediate reinvestigation and written confirmation of deletion or correction. Continued reporting is illegal and harmful. Accurate reporting ensures compliance with federal law and protects my financial opportunities. I insist on prompt correction. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$0.00}, Date Opened XX/XX/XXXX This account is inaccurately reported and unverifiable. Section 609 of the FCRA requires complete verification of all account information before reporting. Section 611 ( a ) mandates reinvestigation of disputed items. Reporting unverifiable charge-offs damages my credit score, misrepresents my payment history, and limits financial opportunities. Verification must include account statements, contract documents, and evidence of delinquency. If these documents can not be provided, this account must be deleted immediately. Maintaining unverifiable accounts is harmful, misleading, and illegal. I demand reinvestigation, proper documentation, and confirmation of deletion if unverifiable. Continued reporting violates federal law and harms my financial reputation. Accurate reporting is critical to maintain credit integrity. Immediate corrective action is required. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, {$2600.00}, Date Opened XX/XX/XXXX This account is inaccurately reported. FCRA Sections 607 ( b ) and 611 ( a ) require verification of account status and deletion of unverifiable information. Reporting false charge-offs misrepresents my financial responsibility, lowers credit scores, and affects borrowing ability. Verification must include payment history, charge-off documentation, and original account agreements. If verification can not be provided, deletion is mandatory. Maintaining false accounts is illegal and harmful. I demand reinvestigation, documentation, and confirmation of deletion. Continued inaccurate reporting violates federal law. Accurate reporting ensures integrity and fairness. Immediate corrective action is required. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$17000.00}, Date Opened XX/XX/XXXX I dispute this late payment as inaccurate. FCRA Sections 607 ( b ) and 611 ( a ) require verification of all reported delinquencies. Reporting unverifiable late payments misrepresents my financial responsibility, negatively impacts credit scores, and limits access to credit. Verification must include billing statements, account statements, and official payment records. If verification can not be provided, this entry must be deleted immediately. Maintaining false late payments violates federal law and is damaging. I demand reinvestigation and written confirmation of correction or deletion. Accurate reporting protects my financial opportunities and reputation. Immediate corrective action is required. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, {$2400.00}, Date Opened XX/XX/XXXX This late payment is inaccurately reported and unverifiable. Sections 607 ( b ), 609, and 611 ( a ) require verification of all reported delinquencies. Reporting false or unverifiable late payments misrepresents my financial behavior, harms my credit score, and affects borrowing capacity. Verification must include billing statements and payment history. If unverifiable, deletion is mandatory. I demand reinvestigation, documentation, and written confirmation. Maintaining inaccurate late payments is illegal and harmful. Immediate action is required. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment, {$3800.00}, Date Opened XX/XX/XXXX I dispute this reporting as inaccurate and unverifiable. FCRA Sections 607 ( b ) and 611 ( a ) require verification before reporting. False reporting lowers creditworthiness and misrepresents financial responsibility. Verification must include official payment records. If unverifiable, deletion is required. I demand reinvestigation and confirmation of correction or removal. Maintaining false reporting is harmful and illegal. Immediate action is required. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$2300.00}, Date Opened XX/XX/XXXX This account is inaccurately reported. Sections 609 and 611 ( a ) require verification. Reporting unverifiable late payments harms credit profile and misleads lenders. Verification must be provided or deletion executed immediately. I demand reinvestigation and confirmation. Maintaining false data is illegal and damaging. Immediate correction required. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment, {$3900.00}, Date Opened XX/XX/XXXX I dispute this late payment as inaccurate and unverifiable. Sections 607 ( b ) and 611 ( a ) require verification before reporting. False reporting harms credit scores, misrepresents financial history, and violates federal law. Verification must be provided or deletion executed. I demand reinvestigation and written confirmation. Immediate action required. \nXXXX XXXX XXXX XXXX XXXX  XXXX, {$0.00}, Date Opened XX/XX/XXXX This collection is inaccurately reported and unverifiable. Sections 609 and 611 ( a ) require documentation. Reporting false collections misrepresents my credit profile, harms financial opportunities, and is illegal. Verification must be provided or deletion executed. I demand reinvestigation and written confirmation. Immediate action required. \nXXXX XXXX XXXX XXXX XXXX XXXX, {$0.00}, Date Opened XX/XX/XXXX This collection is inaccurately reported. FCRA Sections 607 ( b ) and 611 ( a ) require verification. False collections harm creditworthiness and mislead lenders. Verification must be provided or deletion executed. I demand reinvestigation and written confirmation. Immediate correction required.\n\nI request CFPB to ensure all inaccurate accounts, charge-offs, collections, unauthorized inquiries, and wrong addresses are thoroughly investigated, corrected, or deleted in accordance with the Fair Credit Reporting Act. Immediate action is required to prevent further harm to my creditworthiness and financial stability.","date_sent_to_company":"2025-10-08T10:36:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"16456423","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-08T10:33:25.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this complaint with CFPB to address multiple <em>inaccurate</em> accounts, unauthorized inquiries, and wrong addresses <em>reported</em> on my credit <em>report</em>. These inaccuracies are severely impacting my creditworthiness, causing financial harm, and violating federal credit <em>reporting</em> laws. I request a thorough <em>investigation</em>, correction, and <em>deletion</em> of all <em>inaccurate</em> and unverifiable information."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.460077,"16456423"]},{"_index":"complaint-public-v1","_id":"18132986","_score":14.357529,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing inaccurate and misleading credit reporting by PayTomorrow LLC. \n\nThe account was paid in full XX/XX/year>. I obtained written confirmation from PayTomorrow and provided receipt showing the payment. \n\nAfter payment, the account continues to report delinquent status and late payments on my credit report. I disputed this information with XXXX  and submitted the paid-in-full confirmation and bank documentation. Despite this, PayTomorrow verified the account without correcting the delinquent status. \n\nReporting an account as delinquent after it has been paid in full is incomplete and misleading and does not accurately reflect the current status of the account. This reporting continues to negatively impact my credit profile. \n\nI am requesting a full investigation and correction or deletion of the inaccurate delinquent information being reported.","date_sent_to_company":"2025-12-18T05:12:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77346","tags":"Servicemember","has_narrative":true,"complaint_id":"18132986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PayTomorrow, LLC","date_received":"2025-12-18T04:52:54.000Z","state":"TX","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Reporting</em> an account as delinquent after it has been paid in full is incomplete and misleading and does not accurately reflect the current status of the account. This <em>reporting</em> continues to negatively impact my credit profile. \n\nI am requesting a full <em>investigation</em> and correction or <em>deletion</em> of the <em>inaccurate</em> delinquent information being <em>reported</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.357529,"18132986"]},{"_index":"complaint-public-v1","_id":"9721653","_score":14.321303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request an investigation into the inaccurate reporting of my credit information and to demand the deletion of the following account : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX In XX/XX/year>, information regarding this account was provided by a data furnisher to the credit bureaus. However, there are discrepancies in the reported data across the three major credit reporting agencies : - XXXX** reported the account as a charge-off in XX/XX/year> XXXX Reported the account as paid on XX/XX/year> - **TransUnion** data shows Charge-off in XX/XX/year> These inconsistencies highlight the inaccurate reporting of my credit information. I have provided documentation demonstrating these discrepancies and showing the inaccuracies across all three bureaus. This inaccurate information falsely manipulates the statute of limitations and has caused significant harm to my credit profile. \n\nUnder the Fair Credit Reporting Act, I have the right to accurate and consistent information across all credit bureaus. Your failure to investigate this account properly and correct the discrepancies has violated my rights. \n\nI am demanding the deletion of the account XXXX XXXX XXXXXXXX from my credit report due to these inaccuracies and the improper investigation of this account. I expect a prompt resolution to this matter and confirmation of the deletion.","date_sent_to_company":"2024-08-06T16:19:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"31206","tags":null,"has_narrative":true,"complaint_id":"9721653","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-06T16:14:03.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am demanding the <em>deletion</em> of the account XXXX XXXX XXXXXXXX from my credit <em>report</em> due to these inaccuracies and the improper <em>investigation</em> of this account. I expect a prompt resolution to this matter and <em>confirmation</em> of the <em>deletion</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.321303,"9721653"]},{"_index":"complaint-public-v1","_id":"11713013","_score":14.288261,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : XXXX, XXXX, and TransUnion Subject : Formal Request for Deletion of Unverifiable Accounts Based on XXXX Deletion To Whom It May Concern, I am writing to formally request the deletion of two unverifiable accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The accounts in question are : Ally Financial - Charge-off for {$13000.00} XXXX XXXX  XXXX XXXX for {$39000.00} On XXXX XXXX, I disputed these accounts on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, both accounts were deleted from my report. Given this deletion, I am requesting that XXXX, XXXX, and TransUnion also remove these unverifiable debts from my credit file. \n\nRelevant Consumer Protections Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are obligated to investigate disputed information and delete or correct any unverifiable account within 30 days of the dispute.\n\nSection 623 ( a ) ( 1 ) ( B ) : Furnishers of credit information must not continue to report inaccurate or unverifiable information. \n\nSince XXXX has removed these accounts, it is evident that they could not be verified. This establishes a precedent that the accounts are not valid and must be removed from my credit reports with all other credit reporting agencies.\n\nLegal Consequences for Noncompliance : If the investigation by XXXX, XXXX, and TransUnion fails to result in the deletion of these unverifiable accounts within 30 days, I reserve my rights under Sections 616 and 617 of the FCRA to pursue legal action against your agency for willful or negligent noncompliance. Noncompliance may result in statutory damages, court costs, and attorney fees. \n\nFurthermore, continuing to report unverifiable or inaccurate information after notice of its deletion by XXXX may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting inaccurate information.\n\nRequest for Confirmation : I request written confirmation of the results of your investigation and a revised copy of my credit reports reflecting the deletion of these accounts within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. \n\nIf you fail to resolve this matter promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and will not hesitate to pursue all available legal remedies. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-22T11:23:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"71446","tags":"Servicemember","has_narrative":true,"complaint_id":"11713013","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-22T11:23:53.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Furthermore, continuing to <em>report</em> unverifiable or <em>inaccurate</em> information after notice of its <em>deletion</em> by XXXX may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease <em>reporting</em> <em>inaccurate</em> information.\n\nRequest for <em>Confirmation</em> : I request written <em>confirmation</em> of the results of your <em>investigation</em> and a revised copy of my credit <em>reports</em> reflecting the <em>deletion</em> of these accounts within 30 days of the date of this letter."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.288261,"11713013"]},{"_index":"complaint-public-v1","_id":"11717980","_score":14.271699,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : XXXX, Equifax, and XXXX Subject : Formal Request for Deletion of Unverifiable Accounts Based on XXXX Deletion To Whom It May Concern, I am writing to formally request the deletion of two unverifiable accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The accounts in question are : Ally Financial - Charge-off for {$13000.00} XXXX XXXX  - Charge-off for {$39000.00} On XXXX XXXX, I disputed these accounts on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, both accounts were deleted from my report. Given this deletion, I am requesting that XXXX, Equifax, and XXXX also remove these unverifiable debts from my credit file.\n\nRelevant Consumer Protections Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are obligated to investigate disputed information and delete or correct any unverifiable account within 30 days of the dispute.\n\nSection 623 ( a ) ( 1 ) ( B ) : Furnishers of credit information must not continue to report inaccurate or unverifiable information. \n\nSince XXXX has removed these accounts, it is evident that they could not be verified. This establishes a precedent that the accounts are not valid and must be removed from my credit reports with all other credit reporting agencies.\n\nLegal Consequences for Noncompliance : If the investigation by XXXX, Equifax, and XXXX fails to result in the deletion of these unverifiable accounts within 30 days, I reserve my rights under Sections 616 and 617 of the FCRA to pursue legal action against your agency for willful or negligent noncompliance. Noncompliance may result in statutory damages, court costs, and attorney fees. \n\nFurthermore, continuing to report unverifiable or inaccurate information after notice of its deletion by XXXX may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting inaccurate information.\n\nRequest for Confirmation : I request written confirmation of the results of your investigation and a revised copy of my credit reports reflecting the deletion of these accounts within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. \n\nIf you fail to resolve this matter promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and will not hesitate to pursue all available legal remedies. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-22T11:23:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"71446","tags":"Servicemember","has_narrative":true,"complaint_id":"11717980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-22T11:23:53.000Z","state":"LA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Furthermore, continuing to <em>report</em> unverifiable or <em>inaccurate</em> information after notice of its <em>deletion</em> by XXXX may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease <em>reporting</em> <em>inaccurate</em> information.\n\nRequest for <em>Confirmation</em> : I request written <em>confirmation</em> of the results of your <em>investigation</em> and a revised copy of my credit <em>reports</em> reflecting the <em>deletion</em> of these accounts within 30 days of the date of this letter."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.271699,"11717980"]},{"_index":"complaint-public-v1","_id":"10856219","_score":14.2697315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . \n\nIt has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are inaccurate. \nI would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. \n\nFurthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. \n\nI kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within 3 days from the date of this letter. \n\nFailure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. \n\nXXXX XXXX XXXX Update status on dates followed to current status/paid as agreed. \n\nDates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.","date_sent_to_company":"2024-11-20T16:23:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"10856219","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-20T16:15:50.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I look forward to receiving <em>confirmation</em> of the <em>deletion</em> of the <em>inaccurate</em> remarks from my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.2697315,"10856219"]},{"_index":"complaint-public-v1","_id":"11717979","_score":14.261274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Experian, XXXX, and XXXX Subject : Formal Request for Deletion of Unverifiable Accounts Based on XXXX Deletion To Whom It May Concern, I am writing to formally request the deletion of two unverifiable accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The accounts in question are : XXXX XXXX  - Charge-off for {$13000.00} XXXX XXXX  XXXX XXXX for {$39000.00} On XXXX XXXX, I disputed these accounts on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, both accounts were deleted from my report. Given this deletion, I am requesting that Experian, XXXX, and XXXX also remove these unverifiable debts from my credit file. \n\nRelevant Consumer Protections Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are obligated to investigate disputed information and delete or correct any unverifiable account within 30 days of the dispute.\n\nSection 623 ( a ) ( 1 ) ( B ) : Furnishers of credit information must not continue to report inaccurate or unverifiable information. \n\nSince XXXX has removed these accounts, it is evident that they could not be verified. This establishes a precedent that the accounts are not valid and must be removed from my credit reports with all other credit reporting agencies. \n\nLegal Consequences for Noncompliance : If the investigation by Experian, XXXX, and XXXX fails to result in the deletion of these unverifiable accounts within 30 days, I reserve my rights under Sections 616 and 617 of the FCRA to pursue legal action against your agency for willful or negligent noncompliance. Noncompliance may result in statutory damages, court costs, and attorney fees. \n\nFurthermore, continuing to report unverifiable or inaccurate information after notice of its deletion by XXXX may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting inaccurate information. \n\nRequest for Confirmation : I request written confirmation of the results of your investigation and a revised copy of my credit reports reflecting the deletion of these accounts within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. \n\nIf you fail to resolve this matter promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and will not hesitate to pursue all available legal remedies. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-22T11:23:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"71446","tags":"Servicemember","has_narrative":true,"complaint_id":"11717979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-22T10:54:32.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Furthermore, continuing to <em>report</em> unverifiable or <em>inaccurate</em> information after notice of its <em>deletion</em> by XXXX may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease <em>reporting</em> <em>inaccurate</em> information. \n\nRequest for <em>Confirmation</em> : I request written <em>confirmation</em> of the results of your <em>investigation</em> and a revised copy of my credit <em>reports</em> reflecting the <em>deletion</em> of these accounts within 30 days of the date of this letter."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.261274,"11717979"]},{"_index":"complaint-public-v1","_id":"16480467","_score":14.253678,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to dispute multiple inaccurate and fraudulent items on my credit report. These inaccuracies have caused financial harm, impaired my creditworthiness, and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including sections 1681i ( a ) ( 1 ) for reinvestigation of disputed information, 1681e ( b ) for accuracy, and 1681g for consumer disclosures. Each item below is inaccurate, incomplete, or misleading, and I demand a full investigation and correction. \n\nAddress : XXXX XXXX XXXX XXXX, WA XXXX This address is inaccurate and not connected to me in any way. I have never lived or received mail there. Reporting this address violates FCRA 607 ( b ) and 611 ( a ) ( XXXX ) ( A ) because it has not been properly verified. Continued inclusion of this false address suggests file contamination or identity mix-up. I demand its immediate deletion and written confirmation of removal within the 30-day reinvestigation period required by law. \n\nAccounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$260.00} Late Payment This late payment is inaccurate and violates FCRA 1681i, which mandates proper verification of disputed items. I have previously provided documentation proving timely payments. Reporting this late payment without verification negatively impacts my creditworthiness, misleads potential lenders, and causes financial harm. XXXX XXXX has failed to provide evidence supporting this late payment. Continued reporting of this inaccurate information is unlawful. Under FCRA, I am entitled to deletion of unverifiable information. I request immediate removal or correction of this late payment. This reporting error falsely affects my credit score and misrepresents my payment history. I have provided statements and confirmations from XXXX XXXX that demonstrate compliance with payment terms. The continued presence of this inaccurate late payment constitutes a violation of federal law. I demand verification or deletion as required under FCRA. Proper investigation should include reviewing payment records, account statements, and communication logs. Misreporting this late payment affects my ability to secure future credit and may influence lenders decisions. Continued reporting also exposes the bureau to legal liability for failing to correct known inaccuracies. I request that this account be corrected or deleted immediately and confirmation provided in writing. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2800.00} Late Payment This late payment is inaccurately reported and violates FCRA 1681i which requires reinvestigation of disputed items. I have submitted evidence proving on-time payments. Continued reporting of this inaccurate information misrepresents my credit history and harms my ability to obtain credit. Reporting false late payments is a violation of FCRA and negatively impacts financial reputation. The bureau must verify with original account statements, payment logs, and official correspondence. Failure to provide verification requires deletion of this late payment. Misreporting affects lending decisions, interest rates, and financial credibility. Duplicate, inaccurate, or unverifiable entries are prohibited under FCRA 611 ( a ). I demand deletion or correction immediately. Written confirmation is required upon resolution. The bureaus failure to reinvestigate properly constitutes ongoing violations of federal law. Proper investigation must include a full review of documentation provided. This account must be corrected to reflect accurate payment history. Misreporting false delinquencies continues to cause harm to my credit profile. I request immediate correction or deletion under FCRA requirements. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6200.00} Late Payment This is a duplicate entry showing a late payment, violating FCRA 611 ( a ) ( 1 ). Reporting duplicate accounts misrepresents my creditworthiness. I request immediate deletion of this duplicate entry. Continued reporting of duplicates harms my credit score and misleads lenders. Duplicate entries are prohibited under FCRA 611 ( a ) and must be removed. Verification should include reviewing all account statements and payment history. Continued reporting violates federal law and negatively impacts financial opportunities. I request written confirmation of deletion. Reporting duplicate late payments is misleading and constitutes a violation of FCRA. Failure to correct exposes the bureau to legal liability. Proper reinvestigation is required to ensure accuracy. I demand correction or removal immediately. This entry falsely inflates my reported debt and misrepresents my credit history. Immediate action is required to comply with FCRA 1681i. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Late Payment This late payment is inaccurately reported, violating FCRA 1681i. I have provided evidence proving on-time payments and account compliance. Reporting inaccurate late payments misrepresents my credit history and damages financial reputation. Failure to verify constitutes unlawful reporting. The bureau must review original statements, payment logs, and confirmations. Misreporting harms credit score, lending eligibility, and financial opportunities. Duplicate or unverifiable reporting is prohibited under FCRA 611 ( a ). I request immediate deletion or correction. Continued reporting without verification is a violation of federal law. Proper investigation should include thorough review of account history and supporting documentation. I demand written confirmation once corrected. Misreporting false delinquencies continues to harm my financial profile. I request immediate correction or deletion under FCRA 1681i. \n\nInquirie : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized inquiry. I never applied for credit with XXXX XXXX XXXX. FCRA 604 ( a ) requires deletion of inquiries made without consent. Reporting this inquiry harms my creditworthiness and misrepresents my financial activity. Continued reporting violates federal law. The bureau must remove this inquiry immediately. I request written confirmation once deleted. Misreporting unauthorized inquiries affects credit decisions. Immediate removal is required. \n\nI demand that CFPB oversee the full reinvestigation of all disputed addresses and accounts, verify the accuracy of each item, remove any unverifiable or false information, and ensure that all reporting agencies comply with FCRA standards. These errors are affecting my ability to access credit fairly and misrepresent my financial history.","date_sent_to_company":"2025-10-09T11:07:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"99216","tags":null,"has_narrative":true,"complaint_id":"16480467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-09T11:04:57.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Duplicate or unverifiable <em>reporting</em> is prohibited under FCRA 611 ( a ). I request immediate <em>deletion</em> or correction. Continued <em>reporting</em> without verification is a violation of federal law. Proper <em>investigation</em> should include thorough review of account history and supporting documentation. I demand written <em>confirmation</em> once corrected. Misreporting false delinquencies continues to harm my financial profile. I request immediate correction or <em>deletion</em> under FCRA 1681i."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.253678,"16480467"]},{"_index":"complaint-public-v1","_id":"10855640","_score":14.253467,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .\n\nIt has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are inaccurate.\n\nI would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.\n\nFurthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report.\n\nI kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within 3 days from the date of this letter.\n\nFailure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. \n\nXXXX XXXX XXXX Update status on dates followed to current status/paid as agreed. \n\nDates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.","date_sent_to_company":"2024-11-20T16:23:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"10855640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-20T16:23:35.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I look forward to receiving <em>confirmation</em> of the <em>deletion</em> of the <em>inaccurate</em> remarks from my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.253467,"10855640"]},{"_index":"complaint-public-v1","_id":"10855643","_score":14.243513,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .\n\nIt has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are inaccurate.\n\nI would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.\n\nFurthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report.\n\nI kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within 3 days from the date of this letter.\n\nFailure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. \n\nXXXX XXXX XXXX Update status on dates followed to current status/paid as agreed. \n\nDates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.","date_sent_to_company":"2024-11-20T16:23:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"10855643","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-20T16:23:35.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I look forward to receiving <em>confirmation</em> of the <em>deletion</em> of the <em>inaccurate</em> remarks from my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.243513,"10855643"]},{"_index":"complaint-public-v1","_id":"18340845","_score":14.237605,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a dispute regarding inaccurate and internally inconsistent credit reporting by XXXX XXXX XXXX XXXX, which TransUnion concluded as verified and updated. \n\nDespite completing an investigation, TransUnion failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( 611 ). The response relied on generic verification language and did not disclose the method of verification, whether the review was automated or manual, or how conflicting account information was reconciled. \n\nThe account contains multiple unresolved inconsistencies, including : The account is reported as charged off while continuing to reflect past-due balances and payment terms The account reflects a XXXX XXXX monthly payment while simultaneously reporting delinquency The account is listed as closed but continues to update Co-signer responsibility is reported without explaining how the primary obligors activity was evaluated Balance, past-due, and payment data are contradictory across reporting fields I requested the method of verification used in the investigation, including the source of verification and how accuracy was determined. TransUnion did not provide this information. \n\nThis response mirrors nearly identical dispute outcomes received from XXXX, indicating a pattern of automated furnisher confirmation rather than an independent or reasonable investigation. \n\nNotably, XXXX  reviewed the same disputed account and determined that the information could not be verified, resulting in deletion of the account from my XXXX  credit file. This further indicates that TransUnions investigation did not adequately reconcile conflicting or unverifiable information. \n\nI am requesting full disclosure of the method of verification used, correction or deletion of inaccurate reporting, and confirmation that TransUnion and the furnisher are complying with their obligations under the Fair Credit Reporting Act.","date_sent_to_company":"2025-12-29T15:18:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"282XX","tags":null,"has_narrative":true,"complaint_id":"18340845","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-29T15:05:36.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am requesting full disclosure of the method of verification used, correction or <em>deletion</em> of <em>inaccurate</em> <em>reporting</em>, and <em>confirmation</em> that TransUnion and the furnisher are complying with their obligations under the Fair Credit <em>Reporting</em> Act."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.237605,"18340845"]},{"_index":"complaint-public-v1","_id":"21902803","_score":14.18243,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding inaccurate information being reported on my credit file by Nissan Motor Acceptance. \n\n\n\nI disputed this account and requested verification ; however, it continues to be reported despite inconsistencies across credit bureaus. \n\n\n\nThe account reflects conflicting information, including differences in high credit amounts, date of last payment, and last activity dates. \n\n\n\nThese discrepancies demonstrate that the information is not being reported with maximum possible accuracy and that a reasonable investigation was not conducted. \n\n\n\nThis is a violation of the Fair Credit Reporting Act. \n\n\n\nRequested resolution : I am requesting immediate correction or deletion of this inaccurate account, a proper investigation compliant with federal law, and written confirmation of the results.","date_sent_to_company":"2026-05-05T19:00:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"29649","tags":null,"has_narrative":true,"complaint_id":"21902803","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2026-05-05T18:50:35.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["These discrepancies demonstrate that the information is not being <em>reported</em> with maximum possible accuracy and that a reasonable <em>investigation</em> was not conducted. \n\n\n\nThis is a violation of the Fair Credit <em>Reporting</em> Act. \n\n\n\nRequested resolution : I am requesting immediate correction or <em>deletion</em> of this <em>inaccurate</em> account, a proper <em>investigation</em> compliant with federal law, and written <em>confirmation</em> of the results."]},"sort":[14.18243,"21902803"]},{"_index":"complaint-public-v1","_id":"21249930","_score":14.1808405,"_source":{"product":"Debt collection","complaint_what_happened":"I am formally disputing this account because it was charged off and subsequently sold to another creditor. Reporting a remaining balance after the transfer is inaccurate, misleading, and negatively impacts my credit profile.\n\nAdditionally, I am requesting a full investigation and verification of this account, including documentation supporting the accuracy and completeness of the information being reported. Specifically, I am requesting verification of the date of first delinquency, documentation showing the chain of ownership and transfer of the debt, and confirmation that the reported balance is accurate and consistent across all reporting agencies. Any discrepancies in these areas would indicate inaccurate reporting.\n\nIf the information provided can not be verified as accurate, complete, and consistent with the Fair Credit Reporting Act, I request that this account be removed entirely from my credit report. Please conduct a thorough investigation and provide written confirmation of the results. If the account can not be properly validated, I respectfully request deletion from all reporting credit bureaus to ensure my credit file reflects accurate and fair information.","date_sent_to_company":"2026-04-15T02:20:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"63118","tags":null,"has_narrative":true,"complaint_id":"21249930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2026-04-15T02:02:16.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["If the information provided can not be verified as accurate, complete, and consistent with the Fair Credit <em>Reporting</em> Act, I request that this account be removed entirely from my credit <em>report</em>. Please conduct a thorough <em>investigation</em> and provide written <em>confirmation</em> of the results. If the account can not be properly validated, I respectfully request <em>deletion</em> from all <em>reporting</em> credit bureaus to ensure my credit file reflects accurate and fair information."]},"sort":[14.1808405,"21249930"]},{"_index":"complaint-public-v1","_id":"11120332","_score":14.129147,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations. I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter. Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. \n\nXXXX XXXX  XXXX Update status on dates followed to current/paid as agreed. \n\nDates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.","date_sent_to_company":"2024-12-11T16:23:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"11120332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-11T16:15:43.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I look forward to receiving <em>confirmation</em> of the <em>deletion</em> of the <em>inaccurate</em> remarks from my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.129147,"11120332"]},{"_index":"complaint-public-v1","_id":"11894596","_score":14.12808,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested the method of verification ( MOV ) for multiple disputed accounts and unauthorized inquiries that Experian failed to properly investigate. Specifically, I asked for the name and contact details of the furnishers they contacted, as well as the documents used to verify the disputed information. Additionally, I requested the immediate removal of any unverifiable or inaccurate data, along with a written confirmation of all deletions and an updated credit report reflecting these changes. ''","date_sent_to_company":"2025-02-03T00:05:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"11894596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-02T23:51:13.000Z","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 requested the method of verification ( MOV ) for multiple disputed accounts and unauthorized inquiries that Experian failed to properly <em>investigate</em>. Specifically, I asked for the name and contact details of the furnishers they contacted, as well as the documents used to verify the disputed information. Additionally, I requested the immediate removal of any unverifiable or <em>inaccurate</em> data, along with a written <em>confirmation</em> of all <em>deletions</em> and an updated credit <em>report</em> reflecting these changes."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.12808,"11894596"]},{"_index":"complaint-public-v1","_id":"16480287","_score":14.120507,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to dispute multiple inaccurate and fraudulent items on my credit report. These inaccuracies have caused financial harm, impaired my creditworthiness, and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including sections 1681i ( a ) ( 1 ) for reinvestigation of disputed information, 1681e ( b ) for accuracy, and 1681g for consumer disclosures. Each item below is inaccurate, incomplete, or misleading, and I demand a full investigation and correction. \n\nAccounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} Late Payment This late payment is inaccurate and violates FCRA 1681i, which mandates proper verification of disputed items. I have previously provided documentation proving timely payments. Reporting this late payment without verification negatively impacts my creditworthiness, misleads potential lenders, and causes financial harm. XXXX XXXX has failed to provide evidence supporting this late payment. Continued reporting of this inaccurate information is unlawful. Under FCRA, I am entitled to deletion of unverifiable information. I request immediate removal or correction of this late payment. This reporting error falsely affects my credit score and misrepresents my payment history. I have provided statements and confirmations from XXXX XXXX that demonstrate compliance with payment terms. The continued presence of this inaccurate late payment constitutes a violation of federal law. I demand verification or deletion as required under FCRA. Proper investigation should include reviewing payment records, account statements, and communication logs. Misreporting this late payment affects my ability to secure future credit and may influence lenders decisions. Continued reporting also exposes the bureau to legal liability for failing to correct known inaccuracies. I request that this account be corrected or deleted immediately and confirmation provided in writing. \n\nXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account incorrectly shows a late payment, which is a violation of FCRA 611 ( a ) requiring proper investigation of disputed items. I have submitted evidence proving timely payments and compliance with account terms. Reporting an inaccurate late payment misrepresents my credit history and damages my financial credibility. XXXX has failed to provide verification supporting this late payment. Under FCRA 1681i, unverifiable or incorrect information must be removed from the credit report. Failure to correct this account continues to violate federal law. The bureau must investigate using statements, receipts, and official documentation to confirm the accuracy of reported information. Continued reporting of this inaccurate late payment misleads lenders and adversely impacts my financial opportunities. I request immediate deletion or correction of this account. Misreporting late payments is a breach of the FCRA and exposes the bureau to potential legal liability. Proper verification must include thorough review of account history and communication logs. I demand written confirmation once this account is corrected or deleted. Accurate reporting is essential to maintaining fair and lawful credit reporting standards. \n\nOXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Late Payment This late payment is inaccurately reported, violating FCRA 1681i. I have provided evidence proving on-time payments and account compliance. Reporting inaccurate late payments misrepresents my credit history and damages financial reputation. Failure to verify constitutes unlawful reporting. The bureau must review original statements, payment logs, and confirmations. Misreporting harms credit score, lending eligibility, and financial opportunities. Duplicate or unverifiable reporting is prohibited under FCRA 611 ( a ). I request immediate deletion or correction. Continued reporting without verification is a violation of federal law. Proper investigation should include thorough review of account history and supporting documentation. I demand written confirmation once corrected. Misreporting false delinquencies continues to harm my financial profile. I request immediate correction or deletion under FCRA 1681i. \n\nInquiry : XXXXXXXX XXXX Inquiry Unauthorized inquiry. I did not authorize XXXX to access my credit report. FCRA 604 ( a ) mandates deletion of all unauthorized inquiries. Reporting this inquiry misrepresents my credit activity and negatively affects my creditworthiness. Continued reporting violates federal law. The bureau must remove this inquiry immediately. I request written confirmation once deleted. Misrepresentation affects lending decisions. Immediate removal is required under FCRA protections. \n\nI demand that CFPB oversee the full reinvestigation of all disputed addresses and accounts, verify the accuracy of each item, remove any unverifiable or false information, and ensure that all reporting agencies comply with FCRA standards. These errors are affecting my ability to access credit fairly and misrepresent my financial history.","date_sent_to_company":"2025-10-09T11:10:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"99216","tags":null,"has_narrative":true,"complaint_id":"16480287","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-09T11:07:50.000Z","state":"WA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>reporting</em> error falsely affects my credit score and misrepresents my payment history. I have provided statements and <em>confirmations</em> from XXXX XXXX that demonstrate compliance with payment terms. The continued presence of this <em>inaccurate</em> late payment constitutes a violation of federal law. I demand verification or <em>deletion</em> as required under FCRA. Proper <em>investigation</em> should include reviewing payment records, account statements, and communication logs."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.120507,"16480287"]},{"_index":"complaint-public-v1","_id":"11122570","_score":14.113015,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations. I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter. Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. \n\nXXXX XXXX XXXX Update status on dates followed to current/paid as agreed. \n\nDates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.","date_sent_to_company":"2024-12-11T16:23:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"11122570","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-11T16:23:09.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I look forward to receiving <em>confirmation</em> of the <em>deletion</em> of the <em>inaccurate</em> remarks from my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your 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