{"took":292,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3640,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"20197532","_score":19.58914,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the handling of multiple disputes on my account serviced through Chime Financial , Inc..\n\nI have filed several disputes regarding unauthorized or incorrect transactions. Each time I submit a dispute, the claim is marked as verified or denied within approximately 24 hours. The extremely short timeframe in which these determinations are made raises serious concerns that a proper and thorough investigation is not being conducted.\n\nUnder Regulation E of the Electronic Fund Transfer Act, financial institutions are required to conduct a reasonable and good faith investigation of disputed electronic fund transfers. In many cases, financial institutions must either resolve the investigation within 10 business days or provide provisional credit while the investigation continues for up to 45 days.\n\nBased on the repeated pattern of my disputes being denied within roughly 24 hours, it does not appear that a reasonable investigation is being performed as required by federal law. Additionally, I have not been provided with any clear explanation, documentation, or evidence demonstrating how these investigations were conducted or how the conclusions were reached.\n\nIt is also my understanding that accounts serviced by Chime are backed by partner banks such as XXXX XXXX XXXX  or XXXX XXXX XXXXXXXX .. As federally regulated financial institutions, these banks are responsible for ensuring compliance with applicable consumer protection laws, including Regulation E.\n\nThis situation has caused significant frustration, inconvenience, and emotional distress, as I rely on my financial institution to properly protect my account and fairly investigate unauthorized transactions. I believe my disputes have been repeatedly dismissed without a proper review.","date_sent_to_company":"2026-03-12T10:59:32.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"19134","tags":null,"has_narrative":true,"complaint_id":"20197532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-03-12T10:52:59.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["The extremely short timeframe in which these determinations are made raises serious concerns that a proper and thorough <em>investigation</em> is not being <em>conducted</em>.\n\nUnder Regulation E of the Electronic Fund Transfer Act, <em>financial</em> <em>institutions</em> are required to <em>conduct</em> a reasonable and good faith <em>investigation</em> of disputed electronic fund transfers."],"company":["Chime <em>Financial</em> Inc"]},"sort":[19.58914,"20197532"]},{"_index":"complaint-public-v1","_id":"11451725","_score":18.416903,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing in reference to the dispute I filed concerning inaccuracies and unverifiable information in my ChexSystems consumer report. Despite my initial request for a thorough investigation, the items in question have been returned as \" verified. '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am exercising my right to request a reinvestigation and a detailed description of the verification process conducted. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), ChexSystems is required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information. Please provide : The specific documents and records relied upon in verifying the disputed items.\n\nThe identity of the individuals or departments within the financial institutions that conducted the verification.\n\nIf the financial institutions can not produce verifiable documentation bearing my signature or other evidence substantiating the disputed items, the information must be deleted immediately.\n\nInformation reported by ChexSystems must be both accurate and substantiated, as required by FCRA 607 ( b ).\n\nI request clear evidence of my written authorization permitting the financial institutions to report the disputed information to ChexSystems. Without my explicit consent, the reporting of such data violates FCRA 603 ( d ).","date_sent_to_company":"2025-01-09T20:37:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"03103","tags":null,"has_narrative":true,"complaint_id":"11451725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-01-09T20:37:28.000Z","state":"NH","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":["The identity of the individuals or departments within the <em>financial</em> <em>institutions</em> that <em>conducted</em> the verification.\n\nIf the <em>financial</em> <em>institutions</em> can not produce verifiable documentation bearing my signature or other evidence substantiating the disputed items, the information <em>must</em> be deleted immediately.\n\nInformation reported by ChexSystems <em>must</em> be both accurate and substantiated, as required by FCRA 607 ( b )."],"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":[18.416903,"11451725"]},{"_index":"complaint-public-v1","_id":"9054138","_score":18.049807,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to contest the erroneous reporting of fraudulent accounts on my credit report, which constitutes a clear breach of legal standards. Upon contacting the relevant financial institutions, it was confirmed that an error had indeed occurred. Additionally, these institutions assured me over the phone that the accounts would be promptly removed. Furthermore, XXXX and XXXX no longer report these accounts following my submission of the requisite FTC report. I am keen to understand the method of verification and investigation employed by your bureau to justify the continued reporting of these accounts. Your bureau is legally mandated to conduct a reasonable investigation of disputes. This investigation must be prompt and include a thorough review of all relevant information submitted by the consumer, such as myself. \n\nXXXX XXXX XXXX","date_sent_to_company":"2024-05-21T03:51:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"9054138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-21T03:44:54.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Your bureau is legally mandated to <em>conduct</em> a reasonable <em>investigation</em> of disputes. This <em>investigation</em> <em>must</em> be prompt and include a thorough review of all relevant information submitted by the consumer, such as myself. \n\nXXXX XXXX XXXX"]},"sort":[18.049807,"9054138"]},{"_index":"complaint-public-v1","_id":"6430059","_score":17.99005,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX, I fell victim to a multilayered operation orchestrated by a sophisticated con-artist named XXXX from the delivery company XXXXXXXX XXXX XXXX the Scammer ) and lost XXXX XXXX of my hard-earned funds. I advised Coinbase of this fact on XX/XX/XXXX, and I havent received any satisfactory response so far. I would like to say that I am a XXXX citizen vulnerable to scams, and the financial institution never took that into account. Financial abuse includes criminal conduct such as fraud, theft or obtaining financial advantage by deception. However, what occurs may be improper conduct rather than illegal because : the act or omission may not be deliberately abusive or malicious, or a relationship of trust or dependence may cloud the question of consent. A fair and reasonable investigation would generate the following questions : 1. Did the financial institution make an error by processing the disputed transfers? Clearly, I was the victim of a scam, I was referred to the scammers after expressing an interest in investing online, I realized sometime after making the disputed transfers that everything was a scam and I was being scammed. In providing its services to myself, the financial institution is required by law to exercise the care and skill of a diligent, prudent financial institutioner. In this case, this means the financial institution should not turn a blind eye to known facts pointing to a real possibility their customer ( myself ) is being scammed. In other words, the financial institution must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known I was dealing with a scammer. 2. Did the financial institution breach any other obligation it owed to the complainant? I appreciate it is very challenging for front line financial institution staff to be alert to facts suggesting a real possibility a customer is being scammed. However, it was apparent instinct that transfers of the sort were not okay. As any prudent Banker should have doubted the circumstances and therefore contacted me, if for the sake of the argument they did indeed contact me and they were not confident in what to ask or tell myself, they could have transferred me to another employee ( such as a manager or someone from the financial institution fraud area, ) who could have questioned me further and had an appropriate discussion with me about the risk of being scammed. If I had still insisted on going ahead with transferring the disputed transfers after such a conversation, the financial institution would not be responsible for any resulting loss. I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money.","date_sent_to_company":"2023-01-13T04:58:31.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"92557","tags":"Older American","has_narrative":true,"complaint_id":"6430059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2023-01-13T04:26:46.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In providing its services to myself, the <em>financial</em> <em>institution</em> is required by law to exercise the care and skill of a diligent, prudent <em>financial</em> <em>institutioner</em>. In this case, this means the <em>financial</em> <em>institution</em> should not turn a blind eye to known facts pointing to a real possibility their customer ( myself ) is being scammed. In other words, the <em>financial</em> <em>institution</em> <em>must</em> have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place."]},"sort":[17.99005,"6430059"]},{"_index":"complaint-public-v1","_id":"9054062","_score":17.87268,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to contest the erroneous reporting of fraudulent accounts on my credit report, which constitutes a clear breach of legal standards. Upon contacting the relevant financial institutions, it was confirmed that an error had indeed occurred. Additionally, these institutions assured me over the phone that the accounts would be promptly removed. Furthermore, XXXX and XXXX no longer report these accounts following my submission of the requisite FTC report. I am keen to understand the method of verification and investigation employed by your bureau to justify the continued reporting of these accounts. Your bureau is legally mandated to conduct a reasonable investigation of disputes. This investigation must be prompt and include a thorough review of all relevant information submitted by the consumer, such as myself. \n\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2024-05-21T03:51:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"9054062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-21T03:44:53.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Your bureau is legally mandated to <em>conduct</em> a reasonable <em>investigation</em> of disputes. This <em>investigation</em> <em>must</em> be prompt and include a thorough review of all relevant information submitted by the consumer, such as myself. \n\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX"]},"sort":[17.87268,"9054062"]},{"_index":"complaint-public-v1","_id":"9049156","_score":17.870575,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to contest the erroneous reporting of fraudulent accounts on my credit report, which constitutes a clear breach of legal standards. Upon contacting the relevant financial institutions, it was confirmed that an error had indeed occurred. Additionally, these institutions assured me over the phone that the accounts would be promptly removed. Furthermore, XXXX and XXXX no longer report these accounts following my submission of the requisite FTC report. I am keen to understand the method of verification and investigation employed by your bureau to justify the continued reporting of these accounts. Your bureau is legally mandated to conduct a reasonable investigation of disputes. This investigation must be prompt and include a thorough review of all relevant information submitted by the consumer, such as myself. \n\nXXXX XXXX XXXXXXXX, XXXX XXXX XXXX","date_sent_to_company":"2024-05-21T03:51:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"9049156","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-21T03:45:17.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Your bureau is legally mandated to <em>conduct</em> a reasonable <em>investigation</em> of disputes. This <em>investigation</em> <em>must</em> be prompt and include a thorough review of all relevant information submitted by the consumer, such as myself. \n\nXXXX XXXX XXXXXXXX, XXXX XXXX XXXX"]},"sort":[17.870575,"9049156"]},{"_index":"complaint-public-v1","_id":"8667955","_score":17.457502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NO PROOF OF INVESTIGATION ON XX/XX/2024 TRANSUNION RESPONSE WAS VERIFIED FOR ACCOUNTS : XXXX XXXX XXXXXXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES. \n\nANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. \n15usc 6801 Protection of Non- Public Information.\n\n15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.\n\n1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.\n\n2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.\n\n3. The financial institution giving me an explanation how to exercise the non-disclosure options.\n\n15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.\n\nAS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.\n\nTHE ACDV AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION.\n\nTHE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.\n\nHOW WAS THE INVESTIGATION CONDUCTED?\n\nPURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.","date_sent_to_company":"2024-04-01T05:48:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"362XX","tags":null,"has_narrative":true,"complaint_id":"8667955","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-01T05:42:34.000Z","state":"AL","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":["HOW WAS THE <em>INVESTIGATION</em> <em>CONDUCTED</em>?\n\nPURSUANT TO 15USC 1681A ( E ) <em>INVESTIGATIVE</em> CONSUMER REPORT YOU <em>MUST</em> PROVIDE ME PROOF OF THE <em>INVESTIGATION</em>."]},"sort":[17.457502,"8667955"]},{"_index":"complaint-public-v1","_id":"8667854","_score":17.457502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NO PROOF OF INVESTIGATION ON XX/XX/year> EXPERIAN RESPONSE WAS VERIFIED FOR ACCOUNTS : FIRST PREMIER XXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE XXXX DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES. \n\nANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. \n15usc 6801 Protection of Non- Public Information.\n\n15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. \n1.\n\nFinancial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Institution giving me the\nopportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.\n\n3. The financial institution giving me an explanation how to exercise the non-disclosure options.\n\n15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. \nAS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. \nTHE XXXX AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION. \nTHE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. \nHOW WAS THE INVESTIGATION CONDUCTED? \nPURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.","date_sent_to_company":"2024-04-01T05:52:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"362XX","tags":null,"has_narrative":true,"complaint_id":"8667854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-01T05:49:04.000Z","state":"AL","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":["HOW WAS THE <em>INVESTIGATION</em> <em>CONDUCTED</em>? \nPURSUANT TO 15USC 1681A ( E ) <em>INVESTIGATIVE</em> CONSUMER REPORT YOU <em>MUST</em> PROVIDE ME PROOF OF THE <em>INVESTIGATION</em>."]},"sort":[17.457502,"8667854"]},{"_index":"complaint-public-v1","_id":"8667548","_score":17.437706,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NO PROOF OF INVESTIGATION ON XX/XX/2024 EXPERIAN RESPONSE WAS VERIFIED FOR ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES. \n\nANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. \n15usc 6801 Protection of Non- Public Information.\n\n15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.\n\n1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.\n\n2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.\n\n3. The financial institution giving me an explanation how to exercise the non-disclosure options.\n\n15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. \nAS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.\n\nTHE ACDV AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION. \nTHE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. \nHOW WAS THE INVESTIGATION CONDUCTED?\n\nPURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.","date_sent_to_company":"2024-04-01T07:37:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"8667548","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-01T07:33:29.000Z","state":"AL","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":["HOW WAS THE <em>INVESTIGATION</em> <em>CONDUCTED</em>?\n\nPURSUANT TO 15USC 1681A ( E ) <em>INVESTIGATIVE</em> CONSUMER REPORT YOU <em>MUST</em> PROVIDE ME PROOF OF THE <em>INVESTIGATION</em>."]},"sort":[17.437706,"8667548"]},{"_index":"complaint-public-v1","_id":"8668964","_score":17.428745,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NO PROOF OF INVESTIGATION ON XX/XX/XXXX TRANSUNION RESPONSE WAS VERIFIED FOR ACCOUNT : XXXX XXXX XXXX XXXX REPORTING LATE XXXX XXXX XXXX. \n( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) DUE TO INFORMATION BEING VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES. \n\nANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. \n15usc 6801 Protection of Non- Public Information.\n\n15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.\n\n1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.\n\n2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.\n\n3. The financial institution giving me an explanation how to exercise the non-disclosure options.\n\n15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. \nAS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. \nTHE ACDV AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION. \nTHE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. \nHOW WAS THE INVESTIGATION CONDUCTED? \nPURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.","date_sent_to_company":"2024-04-02T02:45:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"8668964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-02T02:39:07.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["HOW WAS THE <em>INVESTIGATION</em> <em>CONDUCTED</em>? \nPURSUANT TO 15USC 1681A ( E ) <em>INVESTIGATIVE</em> CONSUMER REPORT YOU <em>MUST</em> PROVIDE ME PROOF OF THE <em>INVESTIGATION</em>."]},"sort":[17.428745,"8668964"]},{"_index":"complaint-public-v1","_id":"8667558","_score":17.422722,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NO PROOF OF INVESTIGATION ON XX/XX/2024 TRANSUNION RESPONSE WAS VERIFIED FOR ACCOUNTS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES.\n\nANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT.\n\n15usc 6801 Protection of Non- Public Information.\n\n15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.\n\n1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.\n\n2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.\n\n3. The financial institution giving me an explanation how to exercise the non-disclosure options.\n\n15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.\n\nAS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.\n\nTHE ACDV AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION.\n\nTHE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.\n\nHOW WAS THE INVESTIGATION CONDUCTED?\n\nPURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.","date_sent_to_company":"2024-04-01T07:29:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"8667558","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-01T07:23:31.000Z","state":"AL","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":["HOW WAS THE <em>INVESTIGATION</em> <em>CONDUCTED</em>?\n\nPURSUANT TO 15USC 1681A ( E ) <em>INVESTIGATIVE</em> CONSUMER REPORT YOU <em>MUST</em> PROVIDE ME PROOF OF THE <em>INVESTIGATION</em>."]},"sort":[17.422722,"8667558"]},{"_index":"complaint-public-v1","_id":"7253712","_score":17.320942,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Discover never presented the payment to the financial services institution for processing. My mother made a payment on my account using an ACH authorization that was scheduled with a live agent on XXXX XX/XX/2022. The authorized ACH was in the amount of approximately XXXX dollars. XXXX, the live agent, scheduled the payment and provided my mother with the reference number XXXX.The payment posted and no payment reports as having been returned. However, on or around XXXX XX/XX/2022 I received notification that my account had been automatically closed due to non-receipt to keep the account open. The authorization took place on or around XXXX XX/XX/2022 and was returned with XXXX -- unable to locate. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. The account exists. The account is open. The first and last name on the account, as provided TO the representative was correct. The individual authorizing the transaction was the owner of the account. \nThe financial services institution has no record of your firm having presented payment and has confirmed funds were available for debit.Therefore, I filed a billing error notice within the sixty ( 60 ) day period. XXXX XXXX, in Discover Executive Office of Customer Advocacy, allegedly conducted an investigation. In a follow-up conversation he conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the last four ( 4 ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the last four ( 4 ) digits of the account number to match against the phone-based ACH authorization with a live agent that occurred on XXXX XX/XX/2022. And, although he was given the full routing number for the financial services institution, he was not provided with the first name and last name as keyed into the ACH authorization by the live agent. This is troubling as the error could be on the part of Discover and its live agent. The investigator was not provided with that information. Under 15 U.S.C. 1693f ( d ), \" Absence of error ; finding ; explanation, '' if after conducting a billing investigation a financial institution determines that an error did not occur, it must deliver or mail to the consumer an explanation of its findings within three ( 3 ) business days after the conclusion of its investigation. Moreover, upon request of the conclusion of its investigation. Moreover, upon request of the consumer, a financial services institution must promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. Finally, the financial institution must include notice of the right to request reproductions with the explanation of its findings. Discover has neither provided the reporoductions of any and all documents, nor responded to CFPB complaint XXXX. Discover has refused to explain what exactly took place. It seems likey they are doing such to escape any potential liability under 15 U.S. Code 1693h.\n\nOverall, Discover has failed to supply requested documentation that would eliminate the possibility of an error on their part under 15 U.S. Code 1693h ( a ) ( 2 ), specifically but not limited to computational error, incorrect funds transfer, or the omission from a periodic statement of the ACH transaction being applied to my account. Clearly, Discover has refused to provide reproductions of any and all documentation to show that a billing error on their part did not occur they provided zero ( 0 ) documentation, which itself constitutes both an error on their part, and an unfair, and unlawful, practice because they are knowingly and willfully refusing to supply the requested documentation to me. At the same time, they are continuing to furnish data to the CRAs that is a result of their own processing errors, claiming that the information is accurate and verifiable. Information is patently unverifiable if they are unwilling to provide that documentation to a consumer that is entitled to request AND receive that documentation under 15 U.S.C. 1693f ( d ). CONCLUSION : Discover never presented the payment to the financial services institution for processing, failed to conduct a billing error investigation, and then refused to provide documentation as required under 15 USC 1693f : Error resolution. A more detailed explanation, as written to USDOJ is attached.","date_sent_to_company":"2023-07-14T19:57:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"7253712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-14T19:27:39.000Z","state":"MI","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":["Under 15 U.S.C. 1693f ( d ), \" Absence of error ; finding ; explanation, '' if after <em>conducting</em> a billing <em>investigation</em> a <em>financial</em> <em>institution</em> determines that an error did not occur, it <em>must</em> deliver or mail to the consumer an explanation of its findings within three ( 3 ) business days after the conclusion of its <em>investigation</em>. Moreover, upon request of the conclusion of its <em>investigation</em>."],"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":[17.320942,"7253712"]},{"_index":"complaint-public-v1","_id":"7253453","_score":17.305456,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX never presented the payment to the financial services institution for processing. My mother made a payment on my account using an ACH authorization that was scheduled with a live agent on XXXX XXXX XXXX. The authorized ACH was in the amount of approximately XXXX dollars. XXXX, the live agent, scheduled the payment and provided my mother with the reference number XXXX.The payment posted and no payment reports as having been returned. However, on or around XXXX XXXX XXXX  I received notification that my account had been automatically closed due to non-receipt to keep the account open. The authorization took place on or around XXXX XXXX XXXX and was returned with XXXX -- unable to locate. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. The account exists. The account is open. The first and last name on the account, as provided TO the representative was correct. The individual authorizing the transaction was the owner of the account. \nThe financial services institution has no record of your firm having presented payment and has confirmed funds were available for debit.Therefore, I filed a billing error notice within the sixty ( XXXX ) day period. XXXX XXXX, in XXXX Executive Office of Customer Advocacy, allegedly conducted an investigation. In a follow-up conversation he conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the XXXX  XXXX  ( XXXX  ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the XXXX XXXXr ( XXXX ) digits of the account number to match against the phone-based ACH authorization with a XXXX agent that occurred on XXXX XXXX XXXX. And, although he was given the full routing number for the financial services institution, he was not provided with the first name and last name as keyed into the ACH authorization by the live agent. This is troubling as the error could be on the part of XXXX and its XXXX  agent. The investigator was not provided with that information. Under 15 U.S.C. 1693f ( d ), \" Absence of error ; finding ; explanation, '' if after conducting a billing investigation a financial institution determines that an error did not occur, it must deliver or mail to the consumer an explanation of its findings within three ( 3 ) business days after the conclusion of its investigation. Moreover, upon request of the conclusion of its investigation. Moreover, upon request of the consumer, a financial services institution must promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. Finally, the financial institution must include notice of the right to request reproductions with the explanation of its findings. XXXX has neither provided the reporoductions of any and all documents, nor responded to CFPB complaint XXXX. XXXX has refused to explain what exactly took place. It seems likey they are doing such to escape any potential liability under 15 U.S. Code 1693h. \nOverall, XXXX has failed to supply requested documentation that would eliminate the possibility of an error on their part under 15 U.S. Code 1693h ( a ) ( 2 ), specifically but not limited to computational error, incorrect funds transfer, or the omission from a periodic statement of the ACH transaction being applied to my account. Clearly, XXXX has refused to provide reproductions of any and all documentation to show that a billing error on their part did not occur they provided XXXX ( XXXX ) documentation, which itself constitutes both an error on their part, and an unfair, and unlawful, practice because they are knowingly and willfully refusing to supply the requested documentation to me. At the same time, they are continuing to furnish data to the CRAs that is a result of their own processing errors, claiming that the information is accurate and verifiable. Information is patently unverifiable if they are unwilling to provide that documentation to a consumer that is entitled to request AND receive that documentation under 15 U.S.C. 1693f ( d ). CONCLUSION : XXXX never presented the payment to the financial services institution for processing, failed to conduct a billing error investigation, and then refused to provide documentation as required under 15 USC 1693f : Error resolution. A more detailed explanation, as written to USDOJ is attached.","date_sent_to_company":"2023-07-14T19:57:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"7253453","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-14T19:57:38.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under 15 U.S.C. 1693f ( d ), \" Absence of error ; finding ; explanation, '' if after <em>conducting</em> a billing <em>investigation</em> a <em>financial</em> <em>institution</em> determines that an error did not occur, it <em>must</em> deliver or mail to the consumer an explanation of its findings within three ( 3 ) business days after the conclusion of its <em>investigation</em>. Moreover, upon request of the conclusion of its <em>investigation</em>."],"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":[17.305456,"7253453"]},{"_index":"complaint-public-v1","_id":"8662708","_score":17.074667,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NO PROOF OF INVESTIGATION ON XX/XX/year> THROUGH CFPB, EQUIFAX RESPONSE WAS VERIFIED FOR ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES.\n\nANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT.\n\n15usc 6801 Protection of Non- Public Information.\n\n15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.\n\n1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.\n\n2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.\n\n3. The financial institution giving me an explanation how to exercise the non-disclosure options.\n\n15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.\n\nAS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. \nTHE XXXX AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION.\n\nTHE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.\n\nHOW WAS THE INVESTIGATION CONDUCTED?\n\nPURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.","date_sent_to_company":"2024-03-31T06:31:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"8662708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-31T06:27:43.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["HOW WAS THE <em>INVESTIGATION</em> <em>CONDUCTED</em>?\n\nPURSUANT TO 15USC 1681A ( E ) <em>INVESTIGATIVE</em> CONSUMER REPORT YOU <em>MUST</em> PROVIDE ME PROOF OF THE <em>INVESTIGATION</em>."]},"sort":[17.074667,"8662708"]},{"_index":"complaint-public-v1","_id":"8662717","_score":17.069927,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NO PROOF OF INVESTIGATION ON XX/XX/2024 EXPERIAN RESPONSE WAS VERIFIED FOR ACCOUNTS : XXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX BANK XXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD  PARTY AND CREDIT REPORTING AGENCIES. \n\nANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. \n15usc 6801 Protection of Non- Public Information.\n\n15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.\n\n1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.\n\n2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.\n\n3. The financial institution giving me an explanation how to exercise the non-disclosure options.\n\n15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. \nAS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. \nTHE XXXX AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION. \nTHE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. \nHOW WAS THE INVESTIGATION CONDUCTED? \nPURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.","date_sent_to_company":"2024-03-31T06:40:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"8662717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-31T06:37:14.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["HOW WAS THE <em>INVESTIGATION</em> <em>CONDUCTED</em>? \nPURSUANT TO 15USC 1681A ( E ) <em>INVESTIGATIVE</em> CONSUMER REPORT YOU <em>MUST</em> PROVIDE ME PROOF OF THE <em>INVESTIGATION</em>."]},"sort":[17.069927,"8662717"]},{"_index":"complaint-public-v1","_id":"8662710","_score":17.065857,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"NO PROOF OF INVESTIGATION ON XX/XX/year> THROUGH CFPB, TRANSUNION RESPONSE WAS VERIFIED FOR ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES.\n\nANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT.\n\n15usc 6801 Protection of Non- Public Information.\n\n15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.\n\n1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.\n\n2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.\n\n3. The financial institution giving me an explanation how to exercise the non-disclosure options.\n\n15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT- AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. \nTHE XXXX AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION.\n\nTHE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.\n\nHOW WAS THE INVESTIGATION CONDUCTED?\n\nPURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.","date_sent_to_company":"2024-03-31T06:22:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"8662710","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-31T06:12:39.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["HOW WAS THE <em>INVESTIGATION</em> <em>CONDUCTED</em>?\n\nPURSUANT TO 15USC 1681A ( E ) <em>INVESTIGATIVE</em> CONSUMER REPORT YOU <em>MUST</em> PROVIDE ME PROOF OF THE <em>INVESTIGATION</em>."]},"sort":[17.065857,"8662710"]},{"_index":"complaint-public-v1","_id":"19105921","_score":17.04412,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint to report a serious unauthorized debit card transaction and the failure of my financial institution to adequately protect my account and promptly resolve the matter in compliance with federal law. \n\nOn XX/XX/XXXX, an amount of {$800.00} was debited from my checking account via a transaction labeled XXXX * XXXX. This transaction was made without my authorization, consent, or knowledge. I did not initiate, approve, or participate in any cryptocurrency transaction with XXXX or XXXX. \n\nI immediately disputed this charge with my bank. The dispute is currently listed as Dispute # XXXX, and I have already provided notice that this transaction is fraudulent. Despite this, I am concerned about delays and the lack of clear provisional credit and accountability, which are mandatory under federal law. \n\nThis transaction qualifies as an unauthorized electronic funds transfer under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005 ). Under these laws : Consumer liability is strictly limited. \n\nFinancial institutions are required to conduct a prompt investigation. \n\nProvisional credit must be provided within the required timeframe if the investigation is ongoing. \n\nThe consumer must not be held responsible for fraudulent debit card transactions.","date_sent_to_company":"2026-01-29T17:36:09.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"11217","tags":null,"has_narrative":true,"complaint_id":"19105921","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-01-29T17:29:00.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>Financial</em> <em>institutions</em> are required to <em>conduct</em> a prompt <em>investigation</em>. \n\nProvisional credit <em>must</em> be provided within the required timeframe if the <em>investigation</em> is ongoing. \n\nThe consumer <em>must</em> not be held responsible for fraudulent debit card transactions."],"company":["Chime <em>Financial</em> Inc"]},"sort":[17.04412,"19105921"]},{"_index":"complaint-public-v1","_id":"12001933","_score":16.988981,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( XXXX ) XXXX ) Zelle failed to provide accurate information. \nA million in documented fraud losses. Your XXXX claim of \" insufficient facts '' directly mirrors the lawsuit 's allegations of systematically XXXX denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial XXXX institutions must conduct reasonable investigations of reported errors. This needs proper investigation","date_sent_to_company":"2025-02-09T04:04:05.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"32839","tags":null,"has_narrative":true,"complaint_id":"12001933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-02-09T03:58:27.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Under EFTA ( 15 U.S.C. 1693f ), <em>financial</em> XXXX <em>institutions</em> <em>must</em> <em>conduct</em> reasonable <em>investigations</em> of reported errors. This needs proper <em>investigation</em>"]},"sort":[16.988981,"12001933"]},{"_index":"complaint-public-v1","_id":"6905850","_score":16.922876,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. \n\nXXXX XXXX XXXX # XXXX is reporting inaccurate information to my Equifax credit report. I have contacted both to launch an investigation on numerous occasions, most recently on XX/XX/2023, but I have not received any information on the investigation. This is a violation according to the law listed above.","date_sent_to_company":"2023-04-28T16:58:56.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30012","tags":"Servicemember","has_narrative":true,"complaint_id":"6905850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-28T16:53:43.000Z","state":"GA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a <em>financial</em> <em>institution</em>, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person <em>must</em>, pursuant to Section 623 ( b ) : 1. <em>conduct</em> an <em>investigation</em>"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[16.922876,"6905850"]},{"_index":"complaint-public-v1","_id":"10035930","_score":16.903175,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address concerns regarding the reporting of late payments by [ insert the name of the creditor/financial institution ], which I believe may violate the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure compliance with the appropriate regulations governing accurate and fair credit reporting. \n\nUnder the FCRA ( 15 U.S.C. 1681 ), creditors and financial institutions are legally required to report accurate and timely information to credit reporting agencies. According to the law : Accuracy of Information ( 1681s-2 ( a ) ) : Furnishers of credit information are required to report accurate information to credit reporting agencies. If inaccurate information is identified, it must be corrected promptly.\n\nDuty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers must correct and update information when they become aware that previously provided information is inaccurate or incomplete.\n\nReasonable Investigation ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors must conduct a reasonable investigation and provide corrections if inaccuracies are found. \nBased on my review, [ insert specific details about the late payment reporting, such as the dates and nature of the incorrect reporting ], I believe this information needs to be more accurate and align with the requirements outlined in the FCRA. This inaccurate reporting negatively impacts my creditworthiness and financial well-being. \n\nI request that the CFPB investigate this matter to ensure that [ creditor/financial institution ] complies with the FCRAs requirements. Specifically, I ask that they be directed to : Correct any inaccuracies in my credit report related to the late payment. \nEnsure all future reporting adheres strictly to FCRA standards. \nProvide written confirmation of the actions taken to correct these inaccuracies. \nThank you for your attention to this matter. I look forward to your prompt assistance in upholding my rights under the Fair Credit Reporting Act. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-07T16:50:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20743","tags":"Servicemember","has_narrative":true,"complaint_id":"10035930","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-07T16:50:51.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers <em>must</em> correct and update information when they become aware that previously provided information is inaccurate or incomplete.\n\nReasonable <em>Investigation</em> ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors <em>must</em> <em>conduct</em> a reasonable <em>investigation</em> and provide corrections if inaccuracies are found."]},"sort":[16.903175,"10035930"]},{"_index":"complaint-public-v1","_id":"6905748","_score":16.901482,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. \n\nLVNV FUNDING LLC # XXXX is reporting inaccurate information to my XXXX credit report. I have contacted both to launch an investigation on numerous occasions, most recently on XX/XX/2023, but I have not received any information on the investigation. This is a violation according to the law listed above.","date_sent_to_company":"2023-04-28T16:59:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30012","tags":"Servicemember","has_narrative":true,"complaint_id":"6905748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-04-28T16:59:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a <em>financial</em> <em>institution</em>, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person <em>must</em>, pursuant to Section 623 ( b ) : 1. <em>conduct</em> an <em>investigation</em>"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[16.901482,"6905748"]},{"_index":"complaint-public-v1","_id":"6901625","_score":16.901482,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. XXXX XXXX XXXX has been notified as of XXXX that this account information was inaccurate. I have requested that an investigation on the account and that the details be updated accurately. No information has been provided during that time to show that an investigation has been completed.","date_sent_to_company":"2023-04-28T16:00:28.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30012","tags":"Servicemember","has_narrative":true,"complaint_id":"6901625","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-28T15:58:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a <em>financial</em> <em>institution</em>, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person <em>must</em>, pursuant to Section 623 ( b ) : 1. <em>conduct</em> an <em>investigation</em>"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[16.901482,"6901625"]},{"_index":"complaint-public-v1","_id":"10035927","_score":16.895487,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address concerns regarding the reporting of late payments by [ insert the name of the creditor/financial institution ], which I believe may violate the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure compliance with the appropriate regulations governing accurate and fair credit reporting.\n\nUnder the FCRA ( 15 U.S.C. 1681 ), creditors and financial institutions are legally required to report accurate and timely information to credit reporting agencies. According to the law : Accuracy of Information ( 1681s-2 ( a ) ) : Furnishers of credit information are required to report accurate information to credit reporting agencies. If inaccurate information is identified, it must be corrected promptly.\n\nDuty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers must correct and update information when they become aware that previously provided information is inaccurate or incomplete.\n\nReasonable Investigation ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors must conduct a reasonable investigation and provide corrections if inaccuracies are found. \nBased on my review, [ insert specific details about the late payment reporting, such as the dates and nature of the incorrect reporting ], I believe this information needs to be more accurate and align with the requirements outlined in the FCRA. This inaccurate reporting negatively impacts my creditworthiness and financial well-being. \n\nI request that the CFPB investigate this matter to ensure that [ creditor/financial institution ] complies with the FCRAs requirements. Specifically, I ask that they be directed to : Correct any inaccuracies in my credit report related to the late payment. \nEnsure all future reporting adheres strictly to FCRA standards. \nProvide written confirmation of the actions taken to correct these inaccuracies. \nThank you for your attention to this matter. I look forward to your prompt assistance in upholding my rights under the Fair Credit Reporting Act. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-07T16:50:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20743","tags":"Servicemember","has_narrative":true,"complaint_id":"10035927","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-07T16:50:51.000Z","state":"MD","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers <em>must</em> correct and update information when they become aware that previously provided information is inaccurate or incomplete.\n\nReasonable <em>Investigation</em> ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors <em>must</em> <em>conduct</em> a reasonable <em>investigation</em> and provide corrections if inaccuracies are found."]},"sort":[16.895487,"10035927"]},{"_index":"complaint-public-v1","_id":"12008256","_score":16.893309,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA ). Per the CFPBs lawsuit filed XX/XX/year> ( XXXX XXXX ), Zelle failed to implement measures and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Your claim of insufficient facts directly mirrors the lawsuits allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not a dismissal.","date_sent_to_company":"2025-02-09T16:17:39.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"12008256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-02-09T16:00:41.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Under EFTA ( 15 U.S.C. 1693f ), <em>financial</em> <em>institutions</em> <em>must</em> <em>conduct</em> reasonable <em>investigations</em> of reported errors. My complaint warrants a proper <em>investigation</em>, not a dismissal."]},"sort":[16.893309,"12008256"]},{"_index":"complaint-public-v1","_id":"10035924","_score":16.891798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address concerns regarding the reporting of late payments by [ insert the name of the creditor/financial institution ], which I believe may violate the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure compliance with the appropriate regulations governing accurate and fair credit reporting.\n\nUnder the FCRA ( 15 U.S.C. 1681 ), creditors and financial institutions are legally required to report accurate and timely information to credit reporting agencies. According to the law : Accuracy of Information ( 1681s-2 ( a ) ) : Furnishers of credit information are required to report accurate information to credit reporting agencies. If inaccurate information is identified, it must be corrected promptly.\n\nDuty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers must correct and update information when they become aware that previously provided information is inaccurate or incomplete.\n\nReasonable Investigation ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors must conduct a reasonable investigation and provide corrections if inaccuracies are found. \nBased on my review, [ insert specific details about the late payment reporting, such as the dates and nature of the incorrect reporting ], I believe this information needs to be more accurate and align with the requirements outlined in the FCRA. This inaccurate reporting negatively impacts my creditworthiness and financial well-being. \n\nI request that the CFPB investigate this matter to ensure that [ creditor/financial institution ] complies with the FCRAs requirements. Specifically, I ask that they be directed to : Correct any inaccuracies in my credit report related to the late payment. \nEnsure all future reporting adheres strictly to FCRA standards. \nProvide written confirmation of the actions taken to correct these inaccuracies. \nThank you for your attention to this matter. I look forward to your prompt assistance in upholding my rights under the Fair Credit Reporting Act. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-07T16:50:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20743","tags":"Servicemember","has_narrative":true,"complaint_id":"10035924","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-07T16:50:51.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers <em>must</em> correct and update information when they become aware that previously provided information is inaccurate or incomplete.\n\nReasonable <em>Investigation</em> ( 1681s-2 ( b ) 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