{"took":212,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":287,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14479304","_score":21.510744,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian is inaccurately reporting missed payments on accounts that are either closed, paid, or current. For example, a surrendered vehicle continues to accrue late marks, and a real estate loan shows a false 30-day delinquency in XX/XX/XXXX despite timely payments. Experian has not corrected this despite my dispute. This behavior aligns with the CFPBs own recent lawsuit against Experian in XXXX, alleging sham investigations and FCRA violations.","date_sent_to_company":"2025-07-06T14:07:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"14479304","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-06T13:49:23.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Experian is inaccurately reporting missed payments on accounts that are <em>either</em> closed, paid, or <em>current</em>. For example, a surrendered vehicle continues to accrue late marks, and a real estate loan shows a false 30-day delinquency in XX/XX/XXXX <em>despite</em> <em>timely</em> payments. Experian has not corrected this <em>despite</em> my <em>dispute</em>. This behavior aligns with the CFPBs own recent lawsuit against Experian in XXXX, alleging sham <em>investigations</em> and FCRA violations."]},"sort":[21.510744,"14479304"]},{"_index":"complaint-public-v1","_id":"10602188","_score":17.042528,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Heres a CFPB complaint draft for XXXX XXXX XXXX : -- - **Subject : ** Disputed Collection Reporting Failure to Validate Debt Account Details : Creditor : Midland Credit Management Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI , am filing a complaint regarding Midland Credit Managements handling of a disputed collection account. Despite mailing a dispute and debt validation request to Midland Credit Management on XX/XX/XXXX, I have not received a response. The company has reported a balance of {$750.00} on behalf of the original creditor, XXXX XXXX XXXX XXXXXXXX, and states that the account was placed in collections on XX/XX/XXXX. The last verification of this account occurred on XX/XX/XXXX, but Midland Credit Management has not provided any documentation to validate the debt, which is required under the Fair Debt Collection Practices Act. \n\nThe current status of \" Account information disputed by consumer '' does not reflect any action by Midland Credit Management to investigate or verify the debt despite my timely dispute. I request that this account be thoroughly investigated, and that Midland Credit Management either provides complete validation or promptly removes the inaccurate reporting from my credit file.","date_sent_to_company":"2024-10-28T20:40:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94107","tags":null,"has_narrative":true,"complaint_id":"10602188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-10-28T20:27:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The <em>current</em> status of \" Account information <em>disputed</em> by consumer '' does not reflect any action by Midland Credit Management to <em>investigate</em> or verify the debt <em>despite</em> my <em>timely</em> <em>dispute</em>. I request that this account be thoroughly <em>investigated</em>, and that Midland Credit Management <em>either</em> provides complete validation or promptly removes the inaccurate reporting from my credit file."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.042528,"10602188"]},{"_index":"complaint-public-v1","_id":"19967239","_score":16.666838,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Summary I am filing this complaint due to Currents repeated failure to properly investigate multiple dispute claims and their refusal to issue required provisional credits under federal law. \nThe disputes involve the following transactions : {$72.00} Movie ticket transaction ( service never rendered ; showing indicated location was closed ; order canceled immediately ) {$30.00} Related unresolved charge still not refunded {$150.00} XXXX XXXX  ( membership cancellation dispute ; merchant continued billing after cancellation ) {$55.00} XXXX XXXX XXXX XXXX  ( disputed charge ; goods/services not properly resolved ) {$1500.00} XXXX ( XXXX disputed transaction requiring full investigation ) Despite timely notice of these disputes, Current has either : Closed claims within days without meaningful investigation, Requested repetitive documentation without resolving the matter, Refused to issue provisional credits, or Failed to provide written findings explaining their determinations. \nRegulation E Violations ( 12 CFR 1005.11 ) Under Regulation E of the Electronic Fund Transfer Act ( EFTA ), financial institutions must : Conduct a reasonable investigation upon receiving notice of an error.\n\nComplete the investigation within 10 business days XXXX XXXX credit the consumers account while the investigation continues ( up to 45 days in certain cases ). \nProvide written explanation of findings. \nCurrent has failed to provide provisional credit for these disputes despite exceeding the 10-business-day window. They have also refused to meaningfully investigate certain claims and have prematurely closed cases.\n\nFailure to follow these procedures constitutes noncompliance with federal consumer protection law. \nPattern of Improper Dispute Handling This is not an isolated incident. There appears to be a pattern of : Rapid claim closures without full review, Denial without detailed written explanation, Failure to issue provisional credits, Shifting the burden entirely onto the consumer.\n\nThese practices may constitute unfair or deceptive acts or practices ( UDAP ).\n\nFinancial Harm The total disputed amount exceeds {$1700.00}. The refusal to credit these funds has caused financial hardship and instability. One of the transactions alone ( {$1500.00} ) is substantial and should have triggered heightened investigative review.\n\nRequested Resolution I respectfully request that the CFPB require Current to : Immediately issue provisional credits for all disputed transactions.\n\nConduct full, documented investigations compliant with Regulation E.\n\nRefund the {$72.00} and {$30.00} charges related to the canceled movie service. \nProperly investigate and resolve the {$150.00} XXXX XXXX dispute. \nProperly investigate and resolve the {$55.00} XXXX XXXX XXXX XXXX dispute. \nConduct a comprehensive review of the {$1500.00} XXXX transaction. \nProvide written documentation of all investigative findings. \nReview and correct their dispute-handling policies to ensure federal compliance. \nI am requesting regulatory intervention due to Currents repeated failure to follow federally mandated dispute resolution procedures.","date_sent_to_company":"2026-03-04T16:20:55.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"77581","tags":"Servicemember","has_narrative":true,"complaint_id":"19967239","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"FinCo Services Inc DBA Current","date_received":"2026-03-04T16:03:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":[") <em>Despite</em> <em>timely</em> notice of these <em>disputes</em>, <em>Current</em> has <em>either</em> : Closed claims within days without meaningful <em>investigation</em>, Requested repetitive documentation without resolving the matter, Refused to issue provisional credits, or Failed to provide written findings explaining their determinations."],"company":["FinCo Services Inc DBA <em>Current</em>"]},"sort":[16.666838,"19967239"]},{"_index":"complaint-public-v1","_id":"18647497","_score":16.154251,"_source":{"product":"Checking or savings account","complaint_what_happened":"I filed a debit card dispute with Bank of America regarding charges made by XXXX XXXX for a defective product. The item was materially defective, not as described, and completely unusable upon receipt. I was unable to use the product for its intended purpose. \n\nI made multiple good-faith attempts to resolve this issue directly with the merchant, including requesting a refund. The merchant has refused to issue a refund and has become non-responsive, ignoring my communications entirely. \n\nI timely notified Bank of America of the dispute and submitted all requested supporting documentation, including proof of payment, evidence of the product defect, records showing the merchants refusal and non-responsiveness, and information regarding my complaint filed with the XXXX Attorney Generals Office, which is currently investigating the merchant for unfair and deceptive business practices. \n\nI also spoke directly with a Bank of America representative regarding this dispute. During that conversation, I was advised that provisional ( temporary ) credit would be issued within XXXX business days following my submission of the supporting documentation. I complied fully and faxed the requested documents as instructed. \n\nDespite my compliance and despite my account being in good standing, no provisional credit has been issued. I have also not received any written notice explaining a delay. I have since been told or implied that the investigation could take 90 days or more, which is inconsistent with the requirements of federal law when provisional credit has not been provided. \n\nUnder the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005.11 ), a financial institution must conduct a prompt investigation of an electronic fund transfer dispute and must either : Provisionally credit the consumers account within XXXX business days, or Provide written notice explaining why additional time is required ( up to XXXX days XXXX Bank of America has failed to do either. \n\nAdditionally, the merchants conduct appears to violate applicable state consumer protection laws prohibiting unfair or deceptive acts or practices, as reflected by the XXXX XXXXttorney Generals ongoing investigation.\n\nBank of Americas failure to issue provisional credit, failure to honor representations made by its representative, and failure to provide required written notice constitute non-compliance with federal consumer protection laws and have caused me ongoing financial harm. \n\nI am requesting : XXXX. Immediate issuance of provisional credit as required by Regulation E 2. A written explanation of the current dispute status and delay XXXX. Confirmation that my dispute is being handled in compliance with federal law","date_sent_to_company":"2026-01-12T13:48:02.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"18647497","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-01-12T13:41:52.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["A written explanation of the <em>current</em> <em>dispute</em> status and delay XXXX. Confirmation that my <em>dispute</em> is being handled in compliance with federal law"]},"sort":[16.154251,"18647497"]},{"_index":"complaint-public-v1","_id":"13910333","_score":15.2817545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To the Consumer Financial Protection Bureau, I am filing this complaint regarding a loan account with XXXX XXXX XXXX, which I did not authorize, and for which I was never properly notified. XXXX is currently reporting this account ( Loan ID : XXXX Virtual Card used at XXXX ) to the credit bureaus, negatively affecting my credit. I dispute the validity of this debt for the following reasons : 1. Lack of Proper Notice Due to Incorrect Address At no time did Affirm use my correct physical mailing address to notify me of this account. As a result, I was never aware of the accounts creation, activity, or status until I discovered it on my credit report. XXXX failure to notify me at a valid address prevented me from disputing the charge in a timely and informed manner.\n\n2. Unauthorized Use by Another Party XXXX acknowledges in its denial that the loan was taken out by an associate or household member, but claims I either authorized it, benefited from it, or was aware of it. That statement is false. I did not authorize this account, nor did I benefit from it, nor was I aware of it at the time of origination. Once discovered, I promptly disputed it.\n\n3. Unfair and Incomplete Investigation XXXX  investigation relies on basic identifying information ( name, email, phone, etc. ), all of which could have been used without my consent by someone who had incidental access to my personal information. Despite that, XXXX declined my claim and refused to remove the account or reconsider the dispute without new evidence. \n\nI am requesting CFPB assistance in compelling XXXX  to : Remove this account from my credit report, Cease all further reporting of this disputed account, and Acknowledge that proper notification was never made and that their denial lacks a lawful foundation. \n\nI have attached documentation supporting my current and correct address, along with my credit report showing the disputed item. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-06T00:51:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93065","tags":null,"has_narrative":true,"complaint_id":"13910333","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-06T00:50:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Once discovered, I promptly <em>disputed</em> it.\n\n3. Unfair and Incomplete <em>Investigation</em> XXXX  <em>investigation</em> relies on basic identifying information ( name, email, phone, etc. ), all of which could have been used without my consent by someone who had incidental access to my personal information. <em>Despite</em> that, XXXX declined my claim and refused to remove the account or reconsider the <em>dispute</em> without new evidence."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.2817545,"13910333"]},{"_index":"complaint-public-v1","_id":"14295599","_score":15.031748,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Inaccurate Late-Payment Reporting and FCRA/TILA Violations by Equifax Company : Equifax Product : Credit reporting Issue : Incorrect information on credit report Submitted by : [ Your Full Name ] Consumer Complaint Narrative : I am submitting this complaint against Equifax for reporting false and harmful late-payment information on my credit report concerning my XXXXXXXX XXXX XXXX credit card account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nIssue Summary : Equifax reports a XXXX-day late payment for XX/XX/2023, while both XXXX and XXXX report no such delinquency and show an uninterrupted OK payment history. This inconsistency clearly indicates a failure to ensure accurate credit reporting.\n\nDespite multiple prior dispute attempts, Equifax has not corrected the error and continues to show Consumer disputes this account information without resolution. This constitutes willful noncompliance with multiple federal laws. \n\nViolations Cited : FCRA 15 U.S.C. 1681e ( b ) : Equifax is required to ensure maximum possible accuracy in consumer reports. Reporting a late payment that other CRAs confirm never occurred violates this obligation.\n\nFCRA 15 U.S.C. 1681i ( a ) : Equifax failed to reasonably investigate my dispute and correct inaccurate information, despite being notified.\n\nFCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers and CRAs must correct or delete information that is incomplete or inaccurate once a dispute is filed. This has not been done.\n\nTILA 15 U.S.C. 1637 and 1666b : Creditors must provide accurate and timely statements. If the delinquency claim is based on creditor reporting, then either Equifax or the furnisher ( XXXX XXXXXXXX XXXX XXXX has violated the Truth in Lending Act.\n\n12 CFR 1022.42 CFPB Regulation V ( Furnisher Duties ) : The failure to correct the dispute despite remarking it as \" disputed by consumer '' violates the reinvestigation and duty-to-correct provisions of this regulation. \n\nAdditional Information : Reported Status Across Bureaus ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Payment status Current, Remarks Disputed, meets FCRA requirements, No late history. \n\nXXXX : Payment status Current, Remarks Consumer disputed account, No late history.\n\nEquifax : Payment status Current, Remarks Consumer disputes account, BUT XXXX-day late reported for XX/XX/2023. \n\nThis inconsistency is harming my creditworthiness and violates my rights under federal consumer protection laws.\n\nDesired Resolution : Immediate removal of the XXXX-day late remark from XX/XX/2023. \n\nCorrection and synchronization with XXXX and XXXX records.\n\nWritten confirmation from Equifax acknowledging the correction.\n\nReview and enforcement of compliance obligations by CFPB.\n\nPlease investigate this matter and ensure Equifax is held accountable for its violations of FCRA, TILA, and CFPB regulations.","date_sent_to_company":"2025-06-25T03:37:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33134","tags":null,"has_narrative":true,"complaint_id":"14295599","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T03:37:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FCRA 15 U.S.C. 1681i ( a ) : Equifax failed to reasonably <em>investigate</em> my <em>dispute</em> and correct inaccurate information, <em>despite</em> being notified.\n\nFCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers and CRAs must correct or delete information that is incomplete or inaccurate once a <em>dispute</em> is filed. This has not been done.\n\nTILA 15 U.S.C. 1637 and 1666b : Creditors must provide accurate and <em>timely</em> statements."]},"sort":[15.031748,"14295599"]},{"_index":"complaint-public-v1","_id":"14295600","_score":15.022978,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Inaccurate Late-Payment Reporting and FCRA/TILA Violations by Equifax Company : Equifax Product : Credit reporting Issue : Incorrect information on credit report Submitted by : [ Your Full Name ] Consumer Complaint Narrative : I am submitting this complaint against Equifax for reporting false and harmful late-payment information on my credit report concerning my XXXXXXXX XXXX XXXX credit card account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nIssue Summary : Equifax reports a XXXX-day late payment for XX/XX/2023, while both XXXX and XXXX report no such delinquency and show an uninterrupted OK payment history. This inconsistency clearly indicates a failure to ensure accurate credit reporting.\n\nDespite multiple prior dispute attempts, Equifax has not corrected the error and continues to show Consumer disputes this account information without resolution. This constitutes willful noncompliance with multiple federal laws. \n\nViolations Cited : FCRA 15 U.S.C. 1681e ( b ) : Equifax is required to ensure maximum possible accuracy in consumer reports. Reporting a late payment that other CRAs confirm never occurred violates this obligation.\n\nFCRA 15 U.S.C. 1681i ( a ) : Equifax failed to reasonably investigate my dispute and correct inaccurate information, despite being notified.\n\nFCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers and CRAs must correct or delete information that is incomplete or inaccurate once a dispute is filed. This has not been done.\n\nTILA 15 U.S.C. 1637 and 1666b : Creditors must provide accurate and timely statements. If the delinquency claim is based on creditor reporting, then either Equifax or the furnisher ( XXXX XXXXXXXX XXXX XXXX has violated the Truth in Lending Act.\n\n12 CFR 1022.42 CFPB Regulation V ( Furnisher Duties ) : The failure to correct the dispute despite remarking it as \" disputed by consumer '' violates the reinvestigation and duty-to-correct provisions of this regulation. \n\nAdditional Information : Reported Status Across Bureaus ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Payment status Current, Remarks Disputed, meets FCRA requirements, No late history. \n\nXXXX : Payment status Current, Remarks Consumer disputed account, No late history.\n\nEquifax : Payment status Current, Remarks Consumer disputes account, BUT XXXX-day late reported for XX/XX/2023. \n\nThis inconsistency is harming my creditworthiness and violates my rights under federal consumer protection laws.\n\nDesired Resolution : Immediate removal of the XXXX-day late remark from XX/XX/2023. \n\nCorrection and synchronization with XXXX and XXXX records.\n\nWritten confirmation from Equifax acknowledging the correction.\n\nReview and enforcement of compliance obligations by CFPB.\n\nPlease investigate this matter and ensure Equifax is held accountable for its violations of FCRA, TILA, and CFPB regulations.","date_sent_to_company":"2025-06-25T03:37:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33134","tags":null,"has_narrative":true,"complaint_id":"14295600","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T03:37:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FCRA 15 U.S.C. 1681i ( a ) : Equifax failed to reasonably <em>investigate</em> my <em>dispute</em> and correct inaccurate information, <em>despite</em> being notified.\n\nFCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers and CRAs must correct or delete information that is incomplete or inaccurate once a <em>dispute</em> is filed. This has not been done.\n\nTILA 15 U.S.C. 1637 and 1666b : Creditors must provide accurate and <em>timely</em> statements."]},"sort":[15.022978,"14295600"]},{"_index":"complaint-public-v1","_id":"14296457","_score":15.002615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Inaccurate Late-Payment Reporting and FCRA/TILA Violations by Equifax Company : Equifax Product : Credit reporting Issue : Incorrect information on credit report Submitted by : [ Your Full Name ] Consumer Complaint Narrative : I am submitting this complaint against Equifax for reporting false and harmful late-payment information on my credit report concerning my XXXXXXXX XXXX XXXX credit card account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nIssue Summary : Equifax reports a XXXX-day late payment for XX/XX/2023, while both XXXX and XXXX report no such delinquency and show an uninterrupted OK payment history. This inconsistency clearly indicates a failure to ensure accurate credit reporting.\n\nDespite multiple prior dispute attempts, Equifax has not corrected the error and continues to show Consumer disputes this account information without resolution. This constitutes willful noncompliance with multiple federal laws. \n\nViolations Cited : FCRA 15 U.S.C. 1681e ( b ) : Equifax is required to ensure maximum possible accuracy in consumer reports. Reporting a late payment that other CRAs confirm never occurred violates this obligation.\n\nFCRA 15 U.S.C. 1681i ( a ) : Equifax failed to reasonably investigate my dispute and correct inaccurate information, despite being notified.\n\nFCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers and CRAs must correct or delete information that is incomplete or inaccurate once a dispute is filed. This has not been done.\n\nTILA 15 U.S.C. 1637 and 1666b : Creditors must provide accurate and timely statements. If the delinquency claim is based on creditor reporting, then either Equifax or the furnisher ( XXXX XXXXXXXX XXXX XXXX has violated the Truth in Lending Act.\n\n12 CFR 1022.42 CFPB Regulation V ( Furnisher Duties ) : The failure to correct the dispute despite remarking it as \" disputed by consumer '' violates the reinvestigation and duty-to-correct provisions of this regulation. \n\nAdditional Information : Reported Status Across Bureaus ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Payment status Current, Remarks Disputed, meets FCRA requirements, No late history. \n\nXXXX : Payment status Current, Remarks Consumer disputed account, No late history.\n\nEquifax : Payment status Current, Remarks Consumer disputes account, BUT XXXX-day late reported for XX/XX/2023. \n\nThis inconsistency is harming my creditworthiness and violates my rights under federal consumer protection laws.\n\nDesired Resolution : Immediate removal of the XXXX-day late remark from XX/XX/2023. \n\nCorrection and synchronization with XXXX and XXXX records.\n\nWritten confirmation from Equifax acknowledging the correction.\n\nReview and enforcement of compliance obligations by CFPB.\n\nPlease investigate this matter and ensure Equifax is held accountable for its violations of FCRA, TILA, and CFPB regulations.","date_sent_to_company":"2025-06-25T03:37:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33134","tags":null,"has_narrative":true,"complaint_id":"14296457","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T03:24:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["FCRA 15 U.S.C. 1681i ( a ) : Equifax failed to reasonably <em>investigate</em> my <em>dispute</em> and correct inaccurate information, <em>despite</em> being notified.\n\nFCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers and CRAs must correct or delete information that is incomplete or inaccurate once a <em>dispute</em> is filed. This has not been done.\n\nTILA 15 U.S.C. 1637 and 1666b : Creditors must provide accurate and <em>timely</em> statements."]},"sort":[15.002615,"14296457"]},{"_index":"complaint-public-v1","_id":"16347304","_score":14.858331,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing inaccurate and unverified account information reported by XXXX  and connected to Vance & Huffman XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI initially sent a dispute letter to XXXX XXXX. Their reply did not come from XXXX XXXX, but from Vance & Huffman, who claimed to be collecting on the account. I then mailed two additional dispute letters directly to Vance & Huffman. Despite these efforts, they have never provided proper verification of the debt.\n\nThe only response I received from Vance & Huffman was a letter stating that I owed money, but it contained no proof of ownership, original signed agreement, or supporting documentation. Additionally : - Vance & Huffman claim an account number of XXXX and identify the current creditor as XXXX XXXX XXXX XXXX XXXX \n- XXXX XXXX references a different account number, XXXX, which does no\n\nt match Vance & Huffmans records. - The information appearing on my XXXX  report does not align with either of these numbers, creating further inconsistencies. \n\nI do not recognize this debt, and given the conflicting account numbers, lack of verification, and failure to provide timely and complete responses, I believe this reporting is both inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). \n\nMost importantly, XXXX  and Vance & Huffman denied my legal right to a full investigation within the required 30-day period. Under the FCRA, any failure to complete a reinvestigation within 30 days requires the disputed account to be deleted.","date_sent_to_company":"2025-10-03T19:11:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"40291","tags":"Older American","has_narrative":true,"complaint_id":"16347304","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"V and H Portfolio","date_received":"2025-10-03T18:49:21.000Z","state":"KY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I am <em>disputing</em> inaccurate and unverified account information reported by XXXX  and connected to Vance & Huffman XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI initially sent a <em>dispute</em> letter to XXXX XXXX. Their reply did not come from XXXX XXXX, but from Vance & Huffman, who claimed to be collecting on the account. I then mailed two additional <em>dispute</em> letters directly to Vance & Huffman. <em>Despite</em> these efforts, they have never provided proper verification of the debt."]},"sort":[14.858331,"16347304"]},{"_index":"complaint-public-v1","_id":"14284350","_score":14.66916,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b\"I am filing this complaint to formally report TransUnions failure to respond to my credit dispute submissions, in clear violation of their obligations under the Fair Credit Reporting Act.\\nOn XXXX XXXX 2025, I sent a detailed dispute letter to TransUnion via certified mail XXXX Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX). In this letter, I disputed multiple inaccurate items reflected on my credit report, including incorrect personal information. To facilitate a proper reinvestigation, I enclosed all necessary documents to verify my identity, including:\\nA copy of my government-issued photo ID\\n\\n\\nA copy of my Social Security card\\n\\n\\nA recent utility bill reflecting my current address\\n\\n\\nDespite providing all the required documentation and submitting a clear and timely dispute, I received no acknowledgment, response, or investigation results from TransUnion. As a result of this non-response, I followed up with an additional dispute letter dated XXXX XXXX, 2025, reiterating my concerns and again requesting a reinvestigation. To date, I have received no response to either dispute.\\nUnder 15 U.S.C.  XXXXi(a)(XXXX)(A) of the FCRA, consumer reporting agencies are legally obligated to conduct a reasonable reinvestigation within XXXX days of receiving a consumer's dispute. TransUnion's failure to respond not only reflects a disregard for this statutory requirement but also infringes upon my consumer rights under federal law.\\nEnclosed with this complaint are copies of both dispute letters sent to TransUnion as evidence of my attempts to resolve this matter directly.\"","date_sent_to_company":"2025-06-25T20:35:08.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"32257","tags":null,"has_narrative":true,"complaint_id":"14284350","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-25T20:31:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["To facilitate a proper reinvestigation, I enclosed all necessary documents to verify my identity, including:\\nA copy of my government-issued photo ID\\n\\n\\nA copy of my Social Security card\\n\\n\\nA recent utility bill reflecting my <em>current</em> address\\n\\n\\n<em>Despite</em> providing all the required documentation and submitting a clear and <em>timely</em> <em>dispute</em>, I received no acknowledgment, response, or <em>investigation</em> results from TransUnion."]},"sort":[14.66916,"14284350"]},{"_index":"complaint-public-v1","_id":"12998225","_score":14.36926,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Inaccurate LatePayment Reporting on XXXX. Account I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX, partial account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nDespite multiple written requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my dispute has been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). \n\n1.FCRA Violations 15U.S.C.1666b requires that creditors send periodic statements at least 21days before a payment due date. The 30daylate notation Equifax reports for XXXX indicates that either XXXX failed to meet this requirement or Equifax failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies investigate disputed information and ensure maximum accuracy. My prior disputes were not properly investigated, as proven by the continued presence of this erroneous latepayment mark. \n\n2.TILA Violations TILA requires accurate and timely disclosures to consumers. The false latepayment record has damaged my creditworthiness and violates these disclosure standards. \n\n3.Protection Against NonPayment of Obligations Act ( PAANL ) This statute reinforces creditors duty to provide timely statements and protects consumers from unfair penalties. The disputed latepayment entry contradicts this protection. \n\nReport Details XXXX  - XXXX  - Equifax Balance {$0.00} - {$0.00} - {$0.00} Status Current / Open - Current / Open - 30DAY LATE ( XXXX ) Last Payment XXXX XX/XX/year> - Credit Limit {$7500.00} - {$7500.00} - {$7500.00} Payment History ( last 24mo. ) All XXXX  - All XXXX  - Single 30day late ( XXXX ) XXXX  and XXXX  both show an unbroken XXXX  history, confirming that Equifaxs lone 30daylate code is inaccurate. \n\nXXXX Desired Outcome Immediate removal of the XXXX 30daylate notation from my Equifax credit file. \n\nWritten confirmation that the correction has been completed. \n\nIf this issue is not resolved promptly, I will escalate the matter by : Filing additional complaints with the Federal Trade Commission ( FTC ), and my State Attorney General. \n\nPursuing legal action for violations of FCRA and TILA. \n\nThank you for your immediate attention to this matter. I look forward to receiving written confirmation of the correction.","date_sent_to_company":"2025-04-16T03:50:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08611","tags":null,"has_narrative":true,"complaint_id":"12998225","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-16T03:50:28.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The 30daylate notation Equifax reports for XXXX indicates that <em>either</em> XXXX failed to meet this requirement or Equifax failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies <em>investigate</em> <em>disputed</em> information and ensure maximum accuracy. My prior <em>disputes</em> were not properly <em>investigated</em>, as proven by the continued presence of this erroneous latepayment mark. \n\n2.TILA Violations TILA requires accurate and <em>timely</em> disclosures to consumers."]},"sort":[14.36926,"12998225"]},{"_index":"complaint-public-v1","_id":"12998119","_score":14.351749,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint XXXX XXXX XXXX on XXXX. Account I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX, partial account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nDespite multiple written requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my dispute has been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). \n\n1.FCRA Violations 15U.S.C.1666b requires that creditors send periodic statements at least XXXX before a payment due date. The XXXX notation Experian reports for XXXX indicates that either XXXX failed to meet this requirement or Experian failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies investigate disputed information and ensure maximum accuracy. My prior disputes were not properly investigated, as proven by the continued presence of this erroneous latepayment mark.\n\n2.TILA Violations TILA requires accurate and timely disclosures to consumers. The false latepayment record has damaged my creditworthiness and violates these disclosure standards.\n\n3.Protection Against NonPayment of Obligations Act ( PAANL ) This statute reinforces creditors duty to provide timely statements and protects consumers from unfair penalties. The disputed latepayment entry contradicts this protection. \n\nReport Details ( per attached XXXX XXXX XXXX XXXX XXXX  Experian XXXX  XXXX {$0.00} {$0.00} {$0.00} Status Current/Open XXXX ( XXXX ) Current/Open Last Payment XX/XX/year> XX/XX/year> Credit Limit {$7500.00} {$7500.00} {$7500.00} Payment History ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both show an unbroken OK history, confirming that Experians XXXX XXXX XXXX is inaccurate. \n\nXXXX XXXX XXXX XXXX removal of the XXXX XXXX notation from my Experian credit file. \n\nWritten confirmation that the correction has been completed. \n\nIf this issue is not resolved promptly, I will escalate the matter by : Filing additional complaints with the Federal Trade Commission ( FTC ) and my State Attorney General. \n\nPursuing legal action for violations of FCRA and XXXX. \n\nThank you for your immediate attention to this matter. I look forward to receiving written confirmation of the correction.","date_sent_to_company":"2025-04-16T04:05:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08611","tags":null,"has_narrative":true,"complaint_id":"12998119","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-16T04:05:06.000Z","state":"NJ","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":["The XXXX notation Experian reports for XXXX indicates that <em>either</em> XXXX failed to meet this requirement or Experian failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies <em>investigate</em> <em>disputed</em> information and ensure maximum accuracy. My prior <em>disputes</em> were not properly <em>investigated</em>, as proven by the continued presence of this erroneous latepayment mark.\n\n2.TILA Violations TILA requires accurate and <em>timely</em> disclosures to consumers."]},"sort":[14.351749,"12998119"]},{"_index":"complaint-public-v1","_id":"12998409","_score":14.348335,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Inaccurate LatePayment Reporting on XXXX. Account I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nDespite multiple written requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my dispute has been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). \n\n1.FCRA Violations 15U.S.C.1666b requires creditors to send periodic statements at least XXXX before a payment due date. The XXXX notation TransUnion reports for XXXX indicates that either XXXX failed to meet this requirement or TransUnion failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies investigate disputed information and ensure maximum accuracy. My prior disputes were not properly investigated, as proven by the continued presence of this erroneous latepayment mark.\n\n2.TILA Violations TILA requires accurate and timely disclosures to consumers. The false latepayment record has damaged my creditworthiness and violates these disclosure standards. \n\n3.Protection Against NonPayment of Obligations Act ( PAANL ) This statute reinforces creditors duty to provide timely statements and protects consumers from unfair penalties. The disputed latepayment entry contradicts this protection. \n\nReport Details Field TransUnion XXXX XXXX XXXXXXXX {$0.00} {$0.00} {$0.00} Status XXXX ( XXXX ) Current/Open Current/Open Last Payment XX/XX/year> XX/XX/year> Credit Limit {$7500.00} {$7500.00} {$7500.00} Payment History ( XXXX. ) Single XXXX late ( XXXX ) All OK All OK Experian and Equifax both show an unbroken OK history, confirming that TransUnions lone XXXX code is inaccurate. \n\nXXXX XXXX XXXX XXXX removal of the XXXX XXXX notation from my TransUnion credit file. \n\nWritten confirmation that the correction has been completed. \n\nIf this issue is not resolved promptly, I will escalate the matter by : Filing additional complaints with the Federal Trade Commission ( FTC ) and my State Attorney General. \n\nPursuing legal action for violations of FCRA and XXXX. \n\nThank you for your immediate attention to this matter. I look forward to receiving written confirmation of the correction.","date_sent_to_company":"2025-04-16T04:17:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08611","tags":null,"has_narrative":true,"complaint_id":"12998409","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-16T04:10:17.000Z","state":"NJ","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":["The XXXX notation TransUnion reports for XXXX indicates that <em>either</em> XXXX failed to meet this requirement or TransUnion failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies <em>investigate</em> <em>disputed</em> information and ensure maximum accuracy. My prior <em>disputes</em> were not properly <em>investigated</em>, as proven by the continued presence of this erroneous latepayment mark.\n\n2.TILA Violations TILA requires accurate and <em>timely</em> disclosures to consumers."]},"sort":[14.348335,"12998409"]},{"_index":"complaint-public-v1","_id":"12998241","_score":14.348335,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Inaccurate LatePayment Reporting on XXXX. Account I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX, partial account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nDespite multiple written requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my dispute has been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). \n\n1.FCRA Violations 15U.S.C.1666b requires that creditors send periodic statements at least 21days before a payment due date. The 30daylate notation Equifax reports for XXXX indicates that either XXXX failed to meet this requirement or Equifax failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies investigate disputed information and ensure maximum accuracy. My prior disputes were not properly investigated, as proven by the continued presence of this erroneous latepayment mark. \n\n2.TILA Violations TILA requires accurate and timely disclosures to consumers. The false latepayment record has damaged my creditworthiness and violates these disclosure standards. \n\n3.Protection Against NonPayment of Obligations Act ( PAANL ) This statute reinforces creditors duty to provide timely statements and protects consumers from unfair penalties. The disputed latepayment entry contradicts this protection. \n\nReport Details XXXX  - XXXX  - Equifax Balance {$0.00} - {$0.00} - {$0.00} Status Current / Open - Current / Open - 30DAY LATE ( XXXX ) Last Payment XXXX XX/XX/year> - Credit Limit {$7500.00} - {$7500.00} - {$7500.00} Payment History ( last 24mo. ) All XXXX  - All XXXX  - Single 30day late ( XXXX ) XXXX  and XXXX  both show an unbroken XXXX  history, confirming that Equifaxs lone 30daylate code is inaccurate. \n\nXXXX Desired Outcome Immediate removal of the XXXX 30daylate notation from my Equifax credit file. \n\nWritten confirmation that the correction has been completed. \n\nIf this issue is not resolved promptly, I will escalate the matter by : Filing additional complaints with the Federal Trade Commission ( FTC ), and my State Attorney General. \n\nPursuing legal action for violations of FCRA and TILA. \n\nThank you for your immediate attention to this matter. I look forward to receiving written confirmation of the correction.","date_sent_to_company":"2025-04-16T03:50:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08611","tags":null,"has_narrative":true,"complaint_id":"12998241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-16T03:31:07.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The 30daylate notation Equifax reports for XXXX indicates that <em>either</em> XXXX failed to meet this requirement or Equifax failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies <em>investigate</em> <em>disputed</em> information and ensure maximum accuracy. My prior <em>disputes</em> were not properly <em>investigated</em>, as proven by the continued presence of this erroneous latepayment mark. \n\n2.TILA Violations TILA requires accurate and <em>timely</em> disclosures to consumers."]},"sort":[14.348335,"12998241"]},{"_index":"complaint-public-v1","_id":"12998224","_score":14.348099,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Inaccurate LatePayment Reporting on XXXX. Account I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX, partial account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nDespite multiple written requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my dispute has been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). \n\n1.FCRA Violations 15U.S.C.1666b requires that creditors send periodic statements at least 21days before a payment due date. The 30daylate notation Equifax reports for XXXX indicates that either XXXX failed to meet this requirement or Equifax failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies investigate disputed information and ensure maximum accuracy. My prior disputes were not properly investigated, as proven by the continued presence of this erroneous latepayment mark. \n\n2.TILA Violations TILA requires accurate and timely disclosures to consumers. The false latepayment record has damaged my creditworthiness and violates these disclosure standards. \n\n3.Protection Against NonPayment of Obligations Act ( PAANL ) This statute reinforces creditors duty to provide timely statements and protects consumers from unfair penalties. The disputed latepayment entry contradicts this protection. \n\nReport Details XXXX  - XXXX  - Equifax Balance {$0.00} - {$0.00} - {$0.00} Status Current / Open - Current / Open - 30DAY LATE ( XXXX ) Last Payment XXXX XX/XX/year> - Credit Limit {$7500.00} - {$7500.00} - {$7500.00} Payment History ( last 24mo. ) All XXXX  - All XXXX  - Single 30day late ( XXXX ) XXXX  and XXXX  both show an unbroken XXXX  history, confirming that Equifaxs lone 30daylate code is inaccurate. \n\nXXXX Desired Outcome Immediate removal of the XXXX 30daylate notation from my Equifax credit file. \n\nWritten confirmation that the correction has been completed. \n\nIf this issue is not resolved promptly, I will escalate the matter by : Filing additional complaints with the Federal Trade Commission ( FTC ), and my State Attorney General. \n\nPursuing legal action for violations of FCRA and TILA. \n\nThank you for your immediate attention to this matter. I look forward to receiving written confirmation of the correction.","date_sent_to_company":"2025-04-16T03:50:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08611","tags":null,"has_narrative":true,"complaint_id":"12998224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-16T03:50:28.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The 30daylate notation Equifax reports for XXXX indicates that <em>either</em> XXXX failed to meet this requirement or Equifax failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies <em>investigate</em> <em>disputed</em> information and ensure maximum accuracy. My prior <em>disputes</em> were not properly <em>investigated</em>, as proven by the continued presence of this erroneous latepayment mark. \n\n2.TILA Violations TILA requires accurate and <em>timely</em> disclosures to consumers."]},"sort":[14.348099,"12998224"]},{"_index":"complaint-public-v1","_id":"12998035","_score":14.348099,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Inaccurate LatePayment Reporting on XXXX. Account I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nDespite multiple written requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my dispute has been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). \n\n1.FCRA Violations 15U.S.C.1666b requires creditors to send periodic statements at least XXXX before a payment due date. The XXXX notation TransUnion reports for XXXX indicates that either XXXX failed to meet this requirement or TransUnion failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies investigate disputed information and ensure maximum accuracy. My prior disputes were not properly investigated, as proven by the continued presence of this erroneous latepayment mark.\n\n2.TILA Violations TILA requires accurate and timely disclosures to consumers. The false latepayment record has damaged my creditworthiness and violates these disclosure standards. \n\n3.Protection Against NonPayment of Obligations Act ( PAANL ) This statute reinforces creditors duty to provide timely statements and protects consumers from unfair penalties. The disputed latepayment entry contradicts this protection. \n\nReport Details Field TransUnion XXXX XXXX XXXXXXXX {$0.00} {$0.00} {$0.00} Status XXXX ( XXXX ) Current/Open Current/Open Last Payment XX/XX/year> XX/XX/year> Credit Limit {$7500.00} {$7500.00} {$7500.00} Payment History ( XXXX. ) Single XXXX late ( XXXX ) All OK All OK Experian and Equifax both show an unbroken OK history, confirming that TransUnions lone XXXX code is inaccurate. \n\nXXXX XXXX XXXX XXXX removal of the XXXX XXXX notation from my TransUnion credit file. \n\nWritten confirmation that the correction has been completed. \n\nIf this issue is not resolved promptly, I will escalate the matter by : Filing additional complaints with the Federal Trade Commission ( FTC ) and my State Attorney General. \n\nPursuing legal action for violations of FCRA and XXXX. \n\nThank you for your immediate attention to this matter. I look forward to receiving written confirmation of the correction.","date_sent_to_company":"2025-04-16T04:17:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08611","tags":null,"has_narrative":true,"complaint_id":"12998035","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-16T04:17:13.000Z","state":"NJ","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":["The XXXX notation TransUnion reports for XXXX indicates that <em>either</em> XXXX failed to meet this requirement or TransUnion failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies <em>investigate</em> <em>disputed</em> information and ensure maximum accuracy. My prior <em>disputes</em> were not properly <em>investigated</em>, as proven by the continued presence of this erroneous latepayment mark.\n\n2.TILA Violations TILA requires accurate and <em>timely</em> disclosures to consumers."]},"sort":[14.348099,"12998035"]},{"_index":"complaint-public-v1","_id":"12998036","_score":14.323542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Inaccurate LatePayment Reporting on XXXX. Account I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nDespite multiple written requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my dispute has been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). \n\n1.FCRA Violations 15U.S.C.1666b requires creditors to send periodic statements at least XXXX before a payment due date. The XXXX notation TransUnion reports for XXXX indicates that either XXXX failed to meet this requirement or TransUnion failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies investigate disputed information and ensure maximum accuracy. My prior disputes were not properly investigated, as proven by the continued presence of this erroneous latepayment mark.\n\n2.TILA Violations TILA requires accurate and timely disclosures to consumers. The false latepayment record has damaged my creditworthiness and violates these disclosure standards. \n\n3.Protection Against NonPayment of Obligations Act ( PAANL ) This statute reinforces creditors duty to provide timely statements and protects consumers from unfair penalties. The disputed latepayment entry contradicts this protection. \n\nReport Details Field TransUnion XXXX XXXX XXXXXXXX {$0.00} {$0.00} {$0.00} Status XXXX ( XXXX ) Current/Open Current/Open Last Payment XX/XX/year> XX/XX/year> Credit Limit {$7500.00} {$7500.00} {$7500.00} Payment History ( XXXX. ) Single XXXX late ( XXXX ) All OK All OK Experian and Equifax both show an unbroken OK history, confirming that TransUnions lone XXXX code is inaccurate. \n\nXXXX XXXX XXXX XXXX removal of the XXXX XXXX notation from my TransUnion credit file. \n\nWritten confirmation that the correction has been completed. \n\nIf this issue is not resolved promptly, I will escalate the matter by : Filing additional complaints with the Federal Trade Commission ( FTC ) and my State Attorney General. \n\nPursuing legal action for violations of FCRA and XXXX. \n\nThank you for your immediate attention to this matter. I look forward to receiving written confirmation of the correction.","date_sent_to_company":"2025-04-16T04:17:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08611","tags":null,"has_narrative":true,"complaint_id":"12998036","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-16T04:17:13.000Z","state":"NJ","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":["The XXXX notation TransUnion reports for XXXX indicates that <em>either</em> XXXX failed to meet this requirement or TransUnion failed to verify the information. \n\n15U.S.C.1681i mandates that creditreporting agencies <em>investigate</em> <em>disputed</em> information and ensure maximum accuracy. My prior <em>disputes</em> were not properly <em>investigated</em>, as proven by the continued presence of this erroneous latepayment mark.\n\n2.TILA Violations TILA requires accurate and <em>timely</em> disclosures to consumers."]},"sort":[14.323542,"12998036"]},{"_index":"complaint-public-v1","_id":"14810635","_score":14.307191,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to dispute multiple negative credit items that remain on my credit reports despite being inaccurate, unverifiable, or reported in violation of the Fair Credit Reporting Act ( FCRA ). These items are impacting my ability to access affordable credit. \n\nKey Issues : XXXX XXXX ( 2 accounts ) : These accounts were charged off and reported with inconsistent data across bureaus. One account reports 20 months of negative history, the other 17, with varying balances and statuses. I previously disputed them and the furnisher failed to provide proper verification. \nXXXX XXXX : This account was charged off, but the payment history across the three major bureaus is inconsistent and unverifiable. One report shows 18 late payments, another omits payment history entirely. No documentation was provided in response to my dispute. \nXXXX XXXX  XXXX XXXX ( XXXX / XXXX ) : Account shows late payments that are not supported by complete records or contract history. The account was closed by the grantor and should not reflect ongoing derogatory marks. \nXXXX XXXX XXXX  : This active account is reporting a late payment despite timely payments reflected in my banking history. My written disputes were either ignored or dismissed without evidence from the furnisher. \nXXXX XXXX ( original creditor : XXXX XXXX XXXX ) : This collection was settled in XXXX for less than the full balance and marked paid. However, it remains on my report, which conflicts with current FICO models and updated reporting practices regarding paid collections. \nActions Taken : On or around XX/XX/XXXX, I submitted formal written disputes to Experian, Equifax, and TransUnion. \nI requested removal of the accounts that could not be verified with original documentation ( per FCRA 611 ). \nI received generic responses stating investigation complete with no supporting documentation or correction. \nThese accounts continue to harm my credit standing despite my efforts to resolve them through the proper channels. I am requesting the CFPBs assistance in compelling the credit bureaus and data furnishers to conduct a lawful reinvestigation and permanently delete the disputed accounts unless verified with documentation.","date_sent_to_company":"2025-07-22T14:32:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"207XX","tags":null,"has_narrative":true,"complaint_id":"14810635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-22T14:21:05.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX  : This active account is reporting a late payment <em>despite</em> <em>timely</em> payments reflected in my banking history. My written <em>disputes</em> were <em>either</em> ignored or dismissed without evidence from the furnisher. \nXXXX XXXX ( original creditor : XXXX XXXX XXXX ) : This collection was settled in XXXX for less than the full balance and marked paid. However, it remains on my report, which conflicts with <em>current</em> FICO models and updated reporting practices regarding paid collections."]},"sort":[14.307191,"14810635"]},{"_index":"complaint-public-v1","_id":"14810622","_score":14.302406,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to dispute multiple negative credit items that remain on my credit reports despite being inaccurate, unverifiable, or reported in violation of the Fair Credit Reporting Act ( FCRA ). These items are impacting my ability to access affordable credit. \n\nKey Issues : XXXX XXXX ( 2 accounts ) : These accounts were charged off and reported with inconsistent data across bureaus. One account reports 20 months of negative history, the other 17, with varying balances and statuses. I previously disputed them and the furnisher failed to provide proper verification. \nXXXX XXXX : This account was charged off, but the payment history across the three major bureaus is inconsistent and unverifiable. One report shows 18 late payments, another omits payment history entirely. No documentation was provided in response to my dispute. \nXXXX XXXX  XXXX XXXX ( XXXX / XXXX ) : Account shows late payments that are not supported by complete records or contract history. The account was closed by the grantor and should not reflect ongoing derogatory marks. \nXXXX XXXX XXXX  : This active account is reporting a late payment despite timely payments reflected in my banking history. My written disputes were either ignored or dismissed without evidence from the furnisher. \nXXXX XXXX ( original creditor : XXXX XXXX XXXX ) : This collection was settled in XXXX for less than the full balance and marked paid. However, it remains on my report, which conflicts with current FICO models and updated reporting practices regarding paid collections. \nActions Taken : On or around XX/XX/XXXX, I submitted formal written disputes to Experian, Equifax, and TransUnion. \nI requested removal of the accounts that could not be verified with original documentation ( per FCRA 611 ). \nI received generic responses stating investigation complete with no supporting documentation or correction. \nThese accounts continue to harm my credit standing despite my efforts to resolve them through the proper channels. I am requesting the CFPBs assistance in compelling the credit bureaus and data furnishers to conduct a lawful reinvestigation and permanently delete the disputed accounts unless verified with documentation.","date_sent_to_company":"2025-07-22T14:32:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"207XX","tags":null,"has_narrative":true,"complaint_id":"14810622","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-22T14:31:42.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX  : This active account is reporting a late payment <em>despite</em> <em>timely</em> payments reflected in my banking history. My written <em>disputes</em> were <em>either</em> ignored or dismissed without evidence from the furnisher. \nXXXX XXXX ( original creditor : XXXX XXXX XXXX ) : This collection was settled in XXXX for less than the full balance and marked paid. However, it remains on my report, which conflicts with <em>current</em> FICO models and updated reporting practices regarding paid collections."]},"sort":[14.302406,"14810622"]},{"_index":"complaint-public-v1","_id":"14810623","_score":14.282232,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to dispute multiple negative credit items that remain on my credit reports despite being inaccurate, unverifiable, or reported in violation of the Fair Credit Reporting Act ( FCRA ). These items are impacting my ability to access affordable credit. \n\nKey Issues : XXXX XXXX ( 2 accounts ) : These accounts were charged off and reported with inconsistent data across bureaus. One account reports 20 months of negative history, the other 17, with varying balances and statuses. I previously disputed them and the furnisher failed to provide proper verification. \nXXXX XXXX : This account was charged off, but the payment history across the three major bureaus is inconsistent and unverifiable. One report shows 18 late payments, another omits payment history entirely. No documentation was provided in response to my dispute. \nXXXX XXXX  XXXX XXXX ( XXXX / XXXX ) : Account shows late payments that are not supported by complete records or contract history. The account was closed by the grantor and should not reflect ongoing derogatory marks. \nXXXX XXXX XXXX  : This active account is reporting a late payment despite timely payments reflected in my banking history. My written disputes were either ignored or dismissed without evidence from the furnisher. \nXXXX XXXX ( original creditor : XXXX XXXX XXXX ) : This collection was settled in XXXX for less than the full balance and marked paid. However, it remains on my report, which conflicts with current FICO models and updated reporting practices regarding paid collections. \nActions Taken : On or around XX/XX/XXXX, I submitted formal written disputes to Experian, Equifax, and TransUnion. \nI requested removal of the accounts that could not be verified with original documentation ( per FCRA 611 ). \nI received generic responses stating investigation complete with no supporting documentation or correction. \nThese accounts continue to harm my credit standing despite my efforts to resolve them through the proper channels. I am requesting the CFPBs assistance in compelling the credit bureaus and data furnishers to conduct a lawful reinvestigation and permanently delete the disputed accounts unless verified with documentation.","date_sent_to_company":"2025-07-22T14:32:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"207XX","tags":null,"has_narrative":true,"complaint_id":"14810623","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-22T14:31:42.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX  : This active account is reporting a late payment <em>despite</em> <em>timely</em> payments reflected in my banking history. My written <em>disputes</em> were <em>either</em> ignored or dismissed without evidence from the furnisher. \nXXXX XXXX ( original creditor : XXXX XXXX XXXX ) : This collection was settled in XXXX for less than the full balance and marked paid. However, it remains on my report, which conflicts with <em>current</em> FICO models and updated reporting practices regarding paid collections."]},"sort":[14.282232,"14810623"]},{"_index":"complaint-public-v1","_id":"14683261","_score":13.989698,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding the inaccurate reporting of a 30-day late payment on my active Capital One credit card account, which I strongly dispute as false, misleading, and in violation of multiple federal consumer protection laws and reporting standards. \n\nCapital One is currently reporting this account as having a 30-day late payment for XX/XX/2025. However, they are also simultaneously reporting the account as pays as agreed or current, which is contradictory and violates the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), which requires data to be accurate and not misleading.\n\nI have not received any proper documentation from Capital One proving that the alleged delinquency is valid, or that they complied with TILA 1666b, which prohibits a creditor from treating a payment as late unless a statement was delivered at least 21 days prior to the due date. If Capital One can not prove timely mailing or delivery of the relevant billing statement, they are barred from reporting the payment as late under federal law.\n\nFurthermore, this reporting contradicts required formatting under the XXXX XXXX credit reporting standard ( K4 Segment & Field 17 ), which mandates consistency between payment history and payment status. Capital Ones data is inconsistent and noncompliant.\n\nDespite my dispute, Capital One has failed to provide : Billing statement mailing logs or delivery records for the cycle in question ; Any account-level documentation validating the delinquency ; Explanation of the conflict between pays as agreed and the 30-day late entry ; Proof of compliance with FCRA or TILA obligations XXXX \n\nI am requesting that the CFPB investigate Capital Ones furnishing procedures and compel them to either ( 1 ) validate the accuracy and legality of the reporting through proper documentation, or ( 2 ) immediately remove the derogatory entry. Capital One should also be required to bring their XXXX XXXX reporting into compliance and correct all inaccuracies on my credit file. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-07-16T19:22:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10026","tags":null,"has_narrative":true,"complaint_id":"14683261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-07-16T19:16:02.000Z","state":"NY","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>Despite</em> my <em>dispute</em>, Capital One has failed to provide : Billing statement mailing logs or delivery records for the cycle in question ; Any account-level documentation validating the delinquency ; Explanation of the conflict between pays as agreed and the 30-day late entry ; Proof of compliance with FCRA or TILA obligations XXXX \n\nI am requesting that the CFPB <em>investigate</em> Capital Ones furnishing procedures and compel them to <em>either</em> ( 1 ) validate the accuracy and legality of the reporting through"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[13.989698,"14683261"]},{"_index":"complaint-public-v1","_id":"12511636","_score":13.9597435,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for their incompetence, negligence, and blatant disregard for my rights as a consumer. Despite multiple attempts to resolve serious inaccuracies in my credit report, Experian continues to ignore my requests, fail to correct glaring errors, and allow false information to remain on my report, severely damaging my credit and financial well-being. \n\nI have submitted multiple disputes regarding erroneous information on my credit report, and every time, Experian has failed to investigate thoroughly or resolve the issue in a timely manner. These mistakes include, but are not limited to, incorrect account listings, incorrect balances, and debts that are not mine. The inaccuracies are blatant, and I have provided more than sufficient documentation proving that these entries are erroneous. \n\nDespite this, Experian has either ignored my disputes or responded with vague, generic explanations that completely sidestep the issue. This is a gross violation of the Fair Credit Reporting Act and demonstrates an utter lack of accountability. \n\nAs a result of Experians actions ( or lack thereof ), I have been unfairly subjected to damage to my credit and the accompanying consequences, including higher interest rates and financial hardship. Experian has absolutely failed to uphold its responsibility to ensure the accuracy of the information it reports and has shown no regard for the impact its mistakes have had on my life.\n\nI demand the following actions be taken immediately : A thorough investigation by the CFPB into Experians ongoing failure to correct my credit report.\n\nImmediate correction of all errors currently on my report as a result of Experians negligence.\n\nWritten confirmation from the CFPB that these issues have been resolved and that no further inaccurate information will be reported by Experian in the future.\n\nIf this matter is not addressed immediately, I will pursue legal action against Experian for violation of consumer protection laws, including defamation, fraud, and any other relevant claims. Additionally, I will not hesitate to escalate this issue further, seeking damages for the harm done to my credit and financial future.\n\nI trust the CFPB will take swift action to ensure that Experian is held accountable and that I am no longer subjected to the unacceptable and unlawful practices Ive experienced.\n\nAttached are copies of my dispute correspondence with Experian and the supporting documentation for your review. I expect a prompt resolution to this matter and will not tolerate any further delays. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-17T19:40:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85339","tags":null,"has_narrative":true,"complaint_id":"12511636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-17T19:27:11.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Despite</em> multiple attempts to resolve serious inaccuracies in my credit report, Experian continues to ignore my requests, fail to correct glaring errors, and allow false information to remain on my report, severely damaging my credit and financial well-being. \n\nI have submitted multiple <em>disputes</em> regarding erroneous information on my credit report, and every time, Experian has failed to <em>investigate</em> thoroughly or resolve the issue in a <em>timely</em> manner."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.9597435,"12511636"]},{"_index":"complaint-public-v1","_id":"14851329","_score":13.599081,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute inaccurate and damaging information reported on my credit report, which has resulted in an unjustified drop of more than XXXX points to my credit score. I am requesting that the Consumer Financial Protection Bureau investigate these issues and assist with resolving them promptly. \n\nIssues in Dispute : Incorrect Missed Payment Reporting : My credit report inaccurately reflects missed payments for XXXX and XX/XX/year>. This is incorrect. I made multiple timely payments in XXXX, including : XX/XX/year> {$580.00} XX/XX/year> {$1100.00} XX/XX/year> {$1300.00} Despite these payments, my account was reported as 90 days delinquent without proper prior notification, as required under the Fair Credit Reporting Act ( FCRA ). I was never advised of my delinquency status prior to it being reported to the credit bureaus. \n\nLack of Notification Regarding Forbearance Dates : I did not have access to my account during this period and was not notified of the forbearance end date. I reached out by phone to seek clarification but was not given accurate or accessible information from my servicer. As a result, I had no opportunity to correct any confusion or adjust my payments in a timely manner. \n\nPayment History Since Notice : After being notified by my local credit union, not by my actual lender, I have made every effort to bring the account current. Since then, I have made consistent payments and should not be penalized by the continued presence of a XXXX delinquency on my credit file. \n\nIncorrect Loan Balances Across Credit Reporting Agencies : As of the date of this letter, the following balances are either outdated or inaccurately reported : Direct Subsidized Loan XXXX : {$3300.00} Direct Subsidized Loan XXXX : Should reflect a {$0.00} balance, but continues to show {$0.00}, Until I submit payment then it shows a {$0.00} balance. \n\nDirect Subsidized Loan XXXX : {$3600.00} Direct Subsidized Loan XXXX : {$4600.00} These discrepancies continue to affect my credit standing, limit access to financial opportunities, and reflect poorly on my responsible payment behavior. \n\nAttached to this letter are supporting documents including payment confirmations, credit report excerpts, and my identification for verification purposes. \n\nPlease confirm receipt of this letter and notify me promptly of any findings or updates in your investigation. \n\nThank you for your time and attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-25T05:23:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"54956","tags":null,"has_narrative":true,"complaint_id":"14851329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-25T05:23:14.000Z","state":"WI","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally <em>dispute</em> inaccurate and damaging information reported on my credit report, which has resulted in an unjustified drop of more than XXXX points to my credit score. I am requesting that the Consumer Financial Protection Bureau <em>investigate</em> these issues and assist with resolving them promptly. \n\nIssues in <em>Dispute</em> : Incorrect Missed Payment Reporting : My credit report inaccurately reflects missed payments for XXXX and XX/XX/year>. This is incorrect."]},"sort":[13.599081,"14851329"]},{"_index":"complaint-public-v1","_id":"14851327","_score":13.580896,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute inaccurate and damaging information reported on my credit report, which has resulted in an unjustified drop of more than XXXX points to my credit score. I am requesting that the Consumer Financial Protection Bureau investigate these issues and assist with resolving them promptly. \n\nIssues in Dispute : Incorrect Missed Payment Reporting : My credit report inaccurately reflects missed payments for XXXX and XX/XX/year>. This is incorrect. I made multiple timely payments in XXXX, including : XX/XX/year> {$580.00} XX/XX/year> {$1100.00} XX/XX/year> {$1300.00} Despite these payments, my account was reported as 90 days delinquent without proper prior notification, as required under the Fair Credit Reporting Act ( FCRA ). I was never advised of my delinquency status prior to it being reported to the credit bureaus. \n\nLack of Notification Regarding Forbearance Dates : I did not have access to my account during this period and was not notified of the forbearance end date. I reached out by phone to seek clarification but was not given accurate or accessible information from my servicer. As a result, I had no opportunity to correct any confusion or adjust my payments in a timely manner. \n\nPayment History Since Notice : After being notified by my local credit union, not by my actual lender, I have made every effort to bring the account current. Since then, I have made consistent payments and should not be penalized by the continued presence of a XXXX delinquency on my credit file. \n\nIncorrect Loan Balances Across Credit Reporting Agencies : As of the date of this letter, the following balances are either outdated or inaccurately reported : Direct Subsidized Loan XXXX : {$3300.00} Direct Subsidized Loan XXXX : Should reflect a {$0.00} balance, but continues to show {$0.00}, Until I submit payment then it shows a {$0.00} balance. \n\nDirect Subsidized Loan XXXX : {$3600.00} Direct Subsidized Loan XXXX : {$4600.00} These discrepancies continue to affect my credit standing, limit access to financial opportunities, and reflect poorly on my responsible payment behavior. \n\nAttached to this letter are supporting documents including payment confirmations, credit report excerpts, and my identification for verification purposes. \n\nPlease confirm receipt of this letter and notify me promptly of any findings or updates in your investigation. \n\nThank you for your time and attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-25T05:23:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"54956","tags":null,"has_narrative":true,"complaint_id":"14851327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-25T05:23:14.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally <em>dispute</em> inaccurate and damaging information reported on my credit report, which has resulted in an unjustified drop of more than XXXX points to my credit score. I am requesting that the Consumer Financial Protection Bureau <em>investigate</em> these issues and assist with resolving them promptly. \n\nIssues in <em>Dispute</em> : Incorrect Missed Payment Reporting : My credit report inaccurately reflects missed payments for XXXX and XX/XX/year>. This is incorrect."]},"sort":[13.580896,"14851327"]},{"_index":"complaint-public-v1","_id":"14850833","_score":13.553548,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute inaccurate and damaging information reported on my credit report, which has resulted in an unjustified drop of more than XXXX points to my credit score. I am requesting that the Consumer Financial Protection Bureau investigate these issues and assist with resolving them promptly. \n\nIssues in Dispute : Incorrect Missed Payment Reporting : My credit report inaccurately reflects missed payments for XXXX and XX/XX/year>. This is incorrect. I made multiple timely payments in XXXX, including : XX/XX/year> {$580.00} XX/XX/year> {$1100.00} XX/XX/year> {$1300.00} Despite these payments, my account was reported as 90 days delinquent without proper prior notification, as required under the Fair Credit Reporting Act ( FCRA ). I was never advised of my delinquency status prior to it being reported to the credit bureaus. \n\nLack of Notification Regarding Forbearance Dates : I did not have access to my account during this period and was not notified of the forbearance end date. I reached out by phone to seek clarification but was not given accurate or accessible information from my servicer. As a result, I had no opportunity to correct any confusion or adjust my payments in a timely manner. \n\nPayment History Since Notice : After being notified by my local credit union, not by my actual lender, I have made every effort to bring the account current. Since then, I have made consistent payments and should not be penalized by the continued presence of a XXXX delinquency on my credit file. \n\nIncorrect Loan Balances Across Credit Reporting Agencies : As of the date of this letter, the following balances are either outdated or inaccurately reported : Direct Subsidized Loan XXXX : {$3300.00} Direct Subsidized Loan XXXX : Should reflect a {$0.00} balance, but continues to show {$0.00}, Until I submit payment then it shows a {$0.00} balance. \n\nDirect Subsidized Loan XXXX : {$3600.00} Direct Subsidized Loan XXXX : {$4600.00} These discrepancies continue to affect my credit standing, limit access to financial opportunities, and reflect poorly on my responsible payment behavior. \n\nAttached to this letter are supporting documents including payment confirmations, credit report excerpts, and my identification for verification purposes. \n\nPlease confirm receipt of this letter and notify me promptly of any findings or updates in your investigation. \n\nThank you for your time and attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-25T05:23:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"54956","tags":null,"has_narrative":true,"complaint_id":"14850833","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-25T04:39:36.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally <em>dispute</em> inaccurate and damaging information reported on my credit report, which has resulted in an unjustified drop of more than XXXX points to my credit score. I am requesting that the Consumer Financial Protection Bureau <em>investigate</em> these issues and assist with resolving them promptly. \n\nIssues in <em>Dispute</em> : Incorrect Missed Payment Reporting : My credit report inaccurately reflects missed payments for XXXX and XX/XX/year>. This is incorrect."]},"sort":[13.553548,"14850833"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":287,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":287}]}},"product":{"doc_count":287,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":241,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":241}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":15}]}},{"key":"Mortgage","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":6},{"key":"VA mortgage","doc_count":2}]}},{"key":"Checking or savings account","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":6}]}},{"key":"Debt collection","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":2},{"key":"Rental debt","doc_count":2},{"key":"I do not know","doc_count":1},{"key":"Other debt","doc_count":1}]}},{"key":"Credit card","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":5}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":2}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":287,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":107,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":105},{"key":"Credit inquiries on your report that you don't recognize","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing 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