{"took":164,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":427,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6084361","_score":19.2381,"_source":{"product":"Debt collection","complaint_what_happened":"Protfolio recovery, This collection company received a request from the three credit for XXXX to investigate my fraud claim. This company also received a identity theft affidavit packet which was sent to me completed and returned back to this company. \n\nThis company committed a violation of the fair debt collection practices act as well as the fair credit reporting act. \n\nThe first violation was out of section 809 subsection B of the fair debt collection practices act were clearly states, because zoomer notifies a debt collector in writing within the 30 day period described in subsection eight that the debt, or any portion therefore is disputed, or that the consumer request the name and address of the original creditor, the debt collector shall cease collection of the debt or any dispute a portion therefore until the debt collector obtains verification of the debt or, complete his investigation into identity theft of the consumer. \n\nThe collection agency fail to provide documents validating this fraudulent debt. \nAnd intern, this collection agency validated a debt that a criminal has already admitted to opening. This person was convicted in XXXX XXXX Superior Court under case number XXXX XXXX This person admitted in court to using my information as well as my fiancs information and several others to make profit. He sold our information on the Internet. So, I am all the way confused as to why this company has not remove themselves and why they did not complete a proper investigation.","date_sent_to_company":"2022-10-13T14:54:27.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"91730","tags":"Servicemember","has_narrative":true,"complaint_id":"6084361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2022-10-13T14:39:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["The first violation was out of section 809 <em>subsection</em> B of the fair debt collection practices act were clearly states, because zoomer notifies a debt collector in writing within the 30 day period <em>described</em> in <em>subsection</em> eight that the debt, or any portion therefore is <em>disputed</em>, or that the consumer request the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt or any <em>dispute</em> a portion therefore until the debt collector obtains verification of the debt"]},"sort":[19.2381,"6084361"]},{"_index":"complaint-public-v1","_id":"6083964","_score":19.210676,"_source":{"product":"Debt collection","complaint_what_happened":"Protfolio recovery, This collection company received a request from the three credit for XXXX to investigate my fraud claim. This company also received a identity theft affidavit packet which was sent to me completed and returned back to this company. This company committed a violation of the fair debt collection practices act as well as the fair credit reporting act. The first violation was out of section 809 subsection B of the fair debt collection practices act were clearly states, because XXXX  notifies a debt collector in writing within the 30 day period described in subsection eight that the debt, or any portion therefore is disputed, or that the consumer request the name and address of the original creditor, the debt collector shall cease collection of the debt or any dispute a portion therefore until the debt collector obtains verification of the debt or, complete his investigation into identity theft of the consumer. The collection agency fail to provide documents validating this fraudulent debt. And intern, this collection agency validated a debt that a criminal has already admitted to opening. This person was convicted in XXXX XXXX Superior Court under case number XXXX XXXX This person admitted in court to using my information as well as my fiancs information and several others to make profit. He sold our information on the Internet. So, I am all the way confused as to why this company has not remove themselves and why they did not complete a proper investigation.","date_sent_to_company":"2022-10-13T17:42:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"91730","tags":"Servicemember","has_narrative":true,"complaint_id":"6083964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2022-10-13T17:34:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The first violation was out of section 809 <em>subsection</em> B of the fair debt collection practices act were clearly states, because XXXX  notifies a debt collector in writing within the 30 day period <em>described</em> in <em>subsection</em> eight that the debt, or any portion therefore is <em>disputed</em>, or that the consumer request the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt or any <em>dispute</em> a portion therefore until the debt collector obtains verification of the debt"]},"sort":[19.210676,"6083964"]},{"_index":"complaint-public-v1","_id":"6080662","_score":19.076595,"_source":{"product":"Debt collection","complaint_what_happened":"Ad astra recovery services, This collection company like the other collection couples that appeared on my report were asked to validate the account and also, conduct an investigation into my fraud claim of this account. \n\nA complete fraud packet that was sent to all collection agencies was also sent to this collection agency. Upon receipt of my fraud claim, this collection company failed to follow rules and regulations governed under the section 809 validation of debit. Subsection ( B ).\n\nDeception clearly states, if the consumer notifies the debt collector in writing within the 30 day. Describe the sub section 8 that the debt, or any portion therefore, is disputed, or that the consumer requests is the name and address of the original creditor, the debt collector shall cease collection of all debt or any dispute a portion therefore until the debt collector of teens verification. This also means completed and Investigation if theres a claim of identity Theft. \n\nIt has been verified by XXXX that no such action took place after my request.","date_sent_to_company":"2022-10-13T14:25:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"91730","tags":"Servicemember","has_narrative":true,"complaint_id":"6080662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2022-10-13T14:11:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>Describe</em> the sub section 8 that the debt, or any portion therefore, is <em>disputed</em>, or that the consumer requests is the name and address of the original creditor, the debt collector shall <em>cease</em> collection of all debt or any <em>dispute</em> a portion therefore until the debt collector of teens verification. This also means completed and <em>Investigation</em> if theres a claim of identity Theft. \n\nIt has been verified by XXXX that no such action took place after my request."]},"sort":[19.076595,"6080662"]},{"_index":"complaint-public-v1","_id":"6083509","_score":18.871384,"_source":{"product":"Debt collection","complaint_what_happened":"Southwest credit systems. \n\nGrossly failed to follow the policy in the procedures governed by the fair debt collection practices act as well as violations committed under the fair credit reporting act. \n\nUpon me being notified that I was a victim of identity theft, I am mediately took the necessary steps to make sure that I did everything the correct way to remedy this intrusion. A complete fraud packet was sent to all three major credit reporting agencies as well as the individual collection agencies. \n\nUpon receiving this request and notice of possible identity theft, this collector company was supposed to conduct an investigation into the fraud accusation and claim. A fraud packet was presented to the collection company through XXXX as well as one was submitted to them via certified mail. \n\nApart receiving this request, this collection company did not investigate into the fraudulent claim and violated section 809 subsection B validation of debt. \n\nIn that section it states very clearly the following, if the consumer notifies the debt collector in writing within the 30 day period described in subsection a that the debt, or any portion therefore, is disputed, or that the consumer requests The name and address of the original creditor, the debt collector shall cease collection of all debt, or any disputed portion therefore until the debt collector obtains verification or completes his investigation into the fraud claim. \n\nWhen I called to check the status of their investigation, the representative stated to me that no investigation into identity theft was not being conducted. They also validated that they didnt even see a request for it.","date_sent_to_company":"2022-10-13T14:37:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"91730","tags":"Servicemember","has_narrative":true,"complaint_id":"6083509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2022-10-13T14:26:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["In that section it states very clearly the following, if the consumer notifies the debt collector in writing within the 30 day period <em>described</em> in <em>subsection</em> a that the debt, or any portion therefore, is <em>disputed</em>, or that the consumer requests The name and address of the original creditor, the debt collector shall <em>cease</em> collection of all debt, or any <em>disputed</em> portion therefore until the debt collector obtains verification or completes his <em>investigation</em> into the fraud claim."]},"sort":[18.871384,"6083509"]},{"_index":"complaint-public-v1","_id":"4682199","_score":18.155027,"_source":{"product":"Debt collection","complaint_what_happened":"I discovered a negative item on my XXXX credit report. My investigation requests with Peter Roberts & Associates are not being accepted by the company. They keep returning my letters as \" refused. '' I have their address listed on their website and it has been verified as correct. It is : Peter Roberts & Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX According to my rights as a consumer under the fair debt collection practices act ( USC 1692g ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.","date_sent_to_company":"2021-09-01T20:07:16.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"01609","tags":null,"has_narrative":true,"complaint_id":"4682199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Peter Roberts & Associates, Inc.","date_received":"2021-09-01T19:21:28.000Z","state":"MA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["It is : Peter Roberts & Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX According to my rights as a consumer under the fair debt collection practices act ( USC 1692g ) ( b ) <em>Disputed</em> debts If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any"]},"sort":[18.155027,"4682199"]},{"_index":"complaint-public-v1","_id":"8230464","_score":17.55289,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX placed a {$6400.00} collection on my credit report for a debt related to an apartment in XXXX. I disputed this with XXXX, XXXX and Equifax requesting a verification of the debt that was not received and all three bureaus stated the investigation proved the debt was mine. On XX/XX/XXXX I contacted the debtor via phone requesting documentation that I indeed owed monies to them and was told my file could not be located but that the computer showed a balance. I then contacted the collection company whom stated that they do not have documentation outside of an invoice from the company but would not provide me with the documentation. I also requested a payment plan to try and resolve but was told I would not receive the payment plan in writing, as they did not provide any such documentation. I then contacted the debtor and requested that collection activities cease immediately due to no proof of debt/proof of payment plan. Neither has cooperated. \n\n15 U.S. Code 1692g - Validation of debts States that b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.","date_sent_to_company":"2024-01-26T14:20:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31088","tags":null,"has_narrative":true,"complaint_id":"8230464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-26T14:20:12.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1692g - Validation of debts States that b ) <em>Disputed</em> debts If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address"],"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":[17.55289,"8230464"]},{"_index":"complaint-public-v1","_id":"8234350","_score":17.523897,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX placed a {$6400.00} collection on my credit report for a debt related to an apartment in XXXX. I disputed this with Transunion, XXXX and XXXX requesting a verification of the debt that was not received and all three bureaus stated the investigation proved the debt was mine. On XX/XX/XXXX I contacted the debtor via phone requesting documentation that I indeed owed monies to them and was told my file could not be located but that the computer showed a balance. I then contacted the collection company whom stated that they do not have documentation outside of an invoice from the company but would not provide me with the documentation. I also requested a payment plan to try and resolve but was told I would not receive the payment plan in writing, as they did not provide any such documentation. I then contacted the debtor and requested that collection activities cease immediately due to no proof of debt/proof of payment plan. Neither has cooperated. \n\n15 U.S. Code 1692g - Validation of debts States that b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.","date_sent_to_company":"2024-01-26T14:20:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31088","tags":null,"has_narrative":true,"complaint_id":"8234350","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-26T14:20:12.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1692g - Validation of debts States that b ) <em>Disputed</em> debts If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address"],"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":[17.523897,"8234350"]},{"_index":"complaint-public-v1","_id":"8229788","_score":17.523897,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Advance Bureau of Collections placed a {$6400.00} collection on my credit report for a debt related to an apartment in XXXX. I disputed this with XXXX, XXXX and XXXX requesting a verification of the debt that was not received and all three bureaus stated the investigation proved the debt was mine. On XX/XX/XXXX I contacted the debtor via phone requesting documentation that I indeed owed monies to them and was told my file could not be located but that the computer showed a balance. I then contacted the collection company whom stated that they do not have documentation outside of an invoice from the company but would not provide me with the documentation. I also requested a payment plan to try and resolve but was told I would not receive the payment plan in writing, as they did not provide any such documentation. I then contacted the debtor and requested that collection activities cease immediately due to no proof of debt/proof of payment plan. Neither has cooperated. \n\n15 U.S. Code 1692g - Validation of debts States that b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.","date_sent_to_company":"2024-01-26T14:20:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31088","tags":null,"has_narrative":true,"complaint_id":"8229788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advance Bureau of Collections","date_received":"2024-01-26T13:59:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Code 1692g - Validation of debts States that b ) <em>Disputed</em> debts If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address"],"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":[17.523897,"8229788"]},{"_index":"complaint-public-v1","_id":"5008523","_score":16.998337,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I would like complain about a debt collection.On XX/XX/XXXX I submitted a disputed certified letter to XXXX, XXXX and XXXX requesting a investigation on a collection from XXXX XXXX that allegd that I owe them {$1200.00}. XX/XX/XXXX I received a letter stating that the investigation was completed and verify. on XX/XX/XXXX I sent another letter to all XXXX credit bureaus asking for verification on the reinvestigation neither company replied. XX/XX/XXXX I sent another letter to all XXXX credit bureaus letting them know that they failed to verify items that I disputed. On occasion XXXX capital will be remove from my report and days later put back on my report as new debt this has been going on for XXXX XXXX years I would like this to be removed from my credit report forever.This is violating infringements and injury to my creditabilty. \nFair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.","date_sent_to_company":"2021-12-15T01:01:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"5008523","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2021-12-14T23:55:10.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.998337,"5008523"]},{"_index":"complaint-public-v1","_id":"7687456","_score":16.956413,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title 42 PA.C.S 5525. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. Four year limitation. \n\n( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within four years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \n\n\n\n\n.","date_sent_to_company":"2023-10-12T21:55:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"151XX","tags":null,"has_narrative":true,"complaint_id":"7687456","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-12T21:55:03.000Z","state":"PA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor"]},"sort":[16.956413,"7687456"]},{"_index":"complaint-public-v1","_id":"7687380","_score":16.923403,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title 42 PA.C.S 5525. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. Four year limitation.\n\n( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within four years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.\n\n.","date_sent_to_company":"2023-10-12T21:55:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"151XX","tags":null,"has_narrative":true,"complaint_id":"7687380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-12T21:55:03.000Z","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":["Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor"]},"sort":[16.923403,"7687380"]},{"_index":"complaint-public-v1","_id":"7687325","_score":16.90255,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act XXXX ( a ) [ XXXX XXXX XXXX681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within XXXX  days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title XXXX PA.C.S XXXX. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX year limitation. \n\n( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within XXXX years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \n\n\n\n\n.","date_sent_to_company":"2023-10-12T21:54:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"151XX","tags":null,"has_narrative":true,"complaint_id":"7687325","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-12T21:42:10.000Z","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":["Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor"]},"sort":[16.90255,"7687325"]},{"_index":"complaint-public-v1","_id":"4111118","_score":16.826149,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The account information was disputed based on Date of delinquency, Date of last payment, Date last active which by XXXX does not match. I disputed the information with XXXX  and XXXX  and the investigation by NETCREDIT came back to the credit bureaus that the account information is accurate. I live in CALIFORNIA and this information is inconsistent under the CCRAA. \n\nFCRA 623 and FDCPA 806 ( b ) Maximum Possible Accuracy state that the creditor MUST enter a notice of dispute.If this is not entered the account can not report on the account XXXX p. 2-2 Industry Reporting Standards '' All accounts must be reported on a monthly basis. '' The creditor NETCREDIT did not update the account status as \" disputed '' while I was shopping for a new home at which time I was denied a mortgage loan. \n\nFDCPA 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. \n\nThis account should no longer be reporting because of the violation of my consumer rights under the CCRAA and the Rosenthal FDCPA","date_sent_to_company":"2021-02-02T17:53:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"925XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4111118","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2021-02-02T17:40:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Validation of debts ( b ) <em>Disputed</em> debts If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) of this section that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the"]},"sort":[16.826149,"4111118"]},{"_index":"complaint-public-v1","_id":"4110942","_score":16.794588,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The account information was disputed based on Date of delinquency, Date of last payment, Date last active which by XXXX does not match. I disputed the information with XXXX and Transunion and the investigation by XXXX came back to the credit bureaus that the account information is accurate. I live in CALIFORNIA and this information is inconsistent under the CCRAA. \n\nFCRA 623 and FDCPA 806 ( b ) Maximum Possible Accuracy state that the creditor MUST enter a notice of dispute.If this is not entered the account can not report on the account XXXX p. 2-2 Industry Reporting Standards '' All accounts must be reported on a monthly basis. '' The creditor XXXX did not update the account status as \" disputed '' while I was shopping for a new home at which time I was denied a mortgage loan. \n\nFDCPA 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. \n\nThis account should no longer be reporting because of the violation of my consumer rights under the CCRAA and the Rosenthal FDCPA","date_sent_to_company":"2021-02-02T17:53:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"925XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4110942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-02T17:53:44.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Validation of debts ( b ) <em>Disputed</em> debts If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) of this section that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the"]},"sort":[16.794588,"4110942"]},{"_index":"complaint-public-v1","_id":"6618957","_score":16.751371,"_source":{"product":"Debt collection","complaint_what_happened":"I sent several certified letters to Midland asking for validation. I have not received a response, it'sbeen a year. They continue to report the debt to all 3 credit bureaus without validation with me. I do not have debt with Midland Credit. According to the Texas Finance Code Sec. 392.201 REPORT TO CONSUMER.\n\nNot later than the 45th day after the date of the request, a debt collector shall provide to a person in its registry a copy of all information contained in its files concerning that person.\n\nSec. 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES.\n\nAn individual who disputes the accuracy of an item that is in a third-party debt collector 's or credit bureau 's file on the individual and that relates to a debt being collected by the third-party debt collector may notify in writing the third-party debt collector of the inaccuracy. The third-party debt collector shall make a written record of the dispute. If the third-party debt collector does not report information related to the dispute to a credit bureau , the third-party debt collector shall cease collection efforts until an investigation of the dispute described by Subsections ( b ) - ( e ) determines the accurate amount of the debt, if any. If the third-party debt collector reports information related to the dispute to a credit bureau , the reporting third-party debt collector shall initiate an investigation of the dispute described by Subsections ( b ) - ( e ) and shall cease collection efforts until the investigation determines the accurate amount of the debt, if any.\n\n( b ) Not later than the 30th day after the date a notice of inaccuracy is received, a third-party debt collector who initiates an investigation shall send a written statement to the individual : ( 1 ) Denying the inaccuracy ; ( 2 ) Admitting the inaccuracy; or ( 3 ) Stating that the third-party debt collector has not had sufficient time to complete an investigation of the inaccuracy. Reporting inaccurate information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Either provides validation of this alleged debt and corrects all inaccurate information you have furnished to the credit bureaus or remove this disputed account from my credit reports. \n\nIf Midland Credit had fail to respond to the validation request within 15 days from the date of receipt, all reference to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately It would be advisable that Midland Credit assure that their records are in order before I am forced to take legal action pursuant to the Texas Debt Collection Act, Texas Deceptive Trade Practices/Consumer Protection Act, Fair Debt Collection Practices Act, and Chapter 392 of the Texas Finance Code. This request is being made in order to VALIDATE a debt that Midland Credit company has never contacted me in regards to. This is an attempt to correct their records ; any and all information obtained shall be used for that purpose.\n\nI'm sure their legal staff will agree that non-compliance with this request could put Midland Credit company in serious legal trouble with the FTC and other Texas state or federal agencies. \n\n\nThanks, XXXX XXXX","date_sent_to_company":"2023-02-27T04:34:11.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"77095","tags":"Servicemember","has_narrative":true,"complaint_id":"6618957","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2023-02-27T04:10:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["If the third-party debt collector reports information related to the <em>dispute</em> to a credit bureau , the reporting third-party debt collector shall initiate an <em>investigation</em> of the <em>dispute</em> <em>described</em> by <em>Subsections</em> ( b ) - ( e ) and shall <em>cease</em> collection efforts until the <em>investigation</em> determines the accurate amount of the debt, if any."]},"sort":[16.751371,"6618957"]},{"_index":"complaint-public-v1","_id":"6925724","_score":16.63426,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a dispute for the following companies below. I asked that these companies validate my debt and send me the results of their validation. These companies did not fully investigate my company nor did the following creditors state information that gives them legal grounds to report my on my credit with invalid information. I have also asked these reporting agencies to remove XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX Texas XXXX because this address is not associated with me. Please remove this inaccurate information. \n\n15 USC 1692g : Validation of debts states ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. \n\nPlease remove the following companies off of my credit or I will be forced to sue in small claims court. This is a violation of my consumer laws and I am entitled to funds for the misuse of the law. \n\nXXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX # XXXX","date_sent_to_company":"2023-05-03T23:31:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"6925724","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-03T23:03:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please remove this inaccurate information. \n\n15 USC 1692g : Validation of debts states ( b ) <em>Disputed</em> debts If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.63426,"6925724"]},{"_index":"complaint-public-v1","_id":"6925694","_score":16.597355,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a dispute for the following companies below. I asked that these companies validate my debt and send me the results of their validation. These companies did not fully investigate my company nor did the following creditors state information that gives them legal grounds to report my on my credit with invalid information. I have also asked these reporting agencies to remove XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX because this address is not associated with me. Please remove this inaccurate information. \n\n15 USC 1692g : Validation of debts states ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. \n\nPlease remove the following companies off of my credit or I will be forced to sue in small claims court. This is a violation of my consumer laws and I am entitled to funds for the misuse of the law. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MANAGEMENT # XXXX","date_sent_to_company":"2023-05-03T23:31:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"6925694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-03T23:31:32.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please remove this inaccurate information. \n\n15 USC 1692g : Validation of debts states ( b ) <em>Disputed</em> debts If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.597355,"6925694"]},{"_index":"complaint-public-v1","_id":"5346022","_score":16.5328,"_source":{"product":"Debt collection","complaint_what_happened":"At this time, I will ALSO INFORM YOU THAT if your OFFICES have REPORTED any INVALIDATED INFORMATION, to any of the 3 MAJOR CREDIT BUREAUS ( Experian, XXXX and XXXX ). This action may CONSTITUTE FRAUD under federal and state LAWS! Due to this fact, if any NEGATIVE MARKS is found on any of my CREDIT REPORTS by your COMPANY, or the COMPANY you REPRESENT. I will not HESITATE in bringing LEGAL ACTION against you and your CLIENT, for the following : VIOLATING THE FCRA! Violating the FDCPA and defamation OF CHARACTER! \n\nIf your offices is able to provide the PROPER DOCUMENTATION as REQUESTED in the original DECLARATION. I will REQUIRE at least 30 days to INVESTIGATE this INFORMATION. During which time all COLLECTION ACTIVITIES shall CEASE AND DESIST! Also during the VALIDATION period if any action is taken that could be CONSIDERED DETRIMENTAL to any of my CREDIT REPORTS. I will then consult with my LEGAL COUNSEL FOR SUIT! This included any LISTING of INFORMATION to a CREDIT REPORTING repository, that could be INACCURATE or INVALIDATED! \n\n15 U.S. Code 1692g - Validation of debts 15 U.S.C 1681b ( a ) ( 2 ) Permissible purposes of consumer reports Direct Violation of 611 ( c ) ( e ) of the FCRA b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.","date_sent_to_company":"2022-03-21T15:20:31.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Private student loan debt","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"5346022","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-21T14:41:10.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Code 1692g - Validation of debts 15 U.S.C 1681b ( a ) ( 2 ) Permissible purposes of consumer reports Direct Violation of 611 ( c ) ( e ) of the FCRA b ) <em>Disputed</em> debts If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until"]},"sort":[16.5328,"5346022"]},{"_index":"complaint-public-v1","_id":"7086803","_score":16.101974,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term \" Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.","date_sent_to_company":"2023-06-08T05:46:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77057","tags":null,"has_narrative":true,"complaint_id":"7086803","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-08T05:43:09.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.101974,"7086803"]},{"_index":"complaint-public-v1","_id":"7086797","_score":16.101974,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term \" Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.","date_sent_to_company":"2023-06-08T05:46:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77057","tags":null,"has_narrative":true,"complaint_id":"7086797","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-08T05:46:55.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.101974,"7086797"]},{"_index":"complaint-public-v1","_id":"7086786","_score":16.101974,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXXhas violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term \" Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.","date_sent_to_company":"2023-06-08T05:52:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77057","tags":null,"has_narrative":true,"complaint_id":"7086786","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-08T05:51:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.101974,"7086786"]},{"_index":"complaint-public-v1","_id":"7086782","_score":16.101974,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term \" Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.","date_sent_to_company":"2023-06-08T05:56:28.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77057","tags":null,"has_narrative":true,"complaint_id":"7086782","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-08T05:56:25.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.101974,"7086782"]},{"_index":"complaint-public-v1","_id":"6902599","_score":16.101974,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. \n\nAccount XXXX XXXXXXXX has violates my rights. \n\n15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\nAccording to the FRCA the term \" Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.\n\nThey stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.","date_sent_to_company":"2023-04-28T06:33:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95757","tags":null,"has_narrative":true,"complaint_id":"6902599","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-28T06:33:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification"]},"sort":[16.101974,"6902599"]},{"_index":"complaint-public-v1","_id":"6902338","_score":16.101974,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. \n\nAccount XXXX XXXX has violates my rights. \n\n15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.\n\nAccording to the FRCA the term \" Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.\n\nThey stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.","date_sent_to_company":"2023-04-28T06:33:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95757","tags":null,"has_narrative":true,"complaint_id":"6902338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-28T06:33:47.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification"]},"sort":[16.101974,"6902338"]},{"_index":"complaint-public-v1","_id":"7086928","_score":16.08107,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term \" Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.","date_sent_to_company":"2023-06-08T05:37:07.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77057","tags":null,"has_narrative":true,"complaint_id":"7086928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-08T05:25:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period <em>described</em> in <em>subsection</em> ( a ) that the debt, or any portion thereof, is <em>disputed</em>, or that the consumer requests the name and address of the original creditor, the debt collector shall <em>cease</em> collection of the debt, or any <em>disputed</em> portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.08107,"7086928"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":427,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":427}]}},"product":{"doc_count":427,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":201,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":198},{"key":"Other personal 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