{"took":96,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":781,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12378137","_score":17.705256,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"YOUR COMPLAINT Sent debt validation letter to XXXXXXXX XXXX concerning the debt to XXXX XXXXXXXX. Did not receive a letter or any correspondence back from them. \n\n\nCompany 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. Based on your request we sent you a letter to inform you we are investigating the information you disputed and to request proof of address that included a list of acceptable documents and instructions on where to send it. \nDESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX-UPDATED This was never resolved by transunion. they just swept it under the rug. and kept it on my credit report. causing my score to drop significantly. \nXXXX XXXX XXXX account was not mine, and was opened by my ex husband.","date_sent_to_company":"2025-03-09T01:22:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92545","tags":null,"has_narrative":true,"complaint_id":"12378137","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-09T01:13:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Based on <em>your</em> request we sent you a letter to inform you we are <em>investigating</em> the information you disputed and to request proof of address that <em>included</em> a <em>list</em> of acceptable <em>documents</em> and instructions on where to send it. \nDESCRIPTION OF NON-MONETARY RELIEF In response to <em>your</em> request, the following actions were taken on <em>your</em> credit file : You disputed the following accounts and/or public records on <em>your</em> credit file. Below includes the results of that <em>investigation</em>."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[17.705256,"12378137"]},{"_index":"complaint-public-v1","_id":"14568617","_score":17.072971,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing your department again about the Fraudulent use of my social security number due to the XXXX  Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting fraudulently on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2.What certified documents were reviewed to conclude your investigation 3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4.What did it cost your company to obtain the documents needed to complete your investigation? 5.Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10. Provide the SPECIFIC date reporting that these items will cease. I am listing below again the accounts and inquires that are not mine. They are a result of identity theft. \n\n1. Identity Theft XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-10T21:42:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10552","tags":null,"has_narrative":true,"complaint_id":"14568617","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-10T21:31:18.000Z","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":["1.Please explain to me what <em>your</em> representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2.What certified <em>documents</em> were <em>reviewed</em> to conclude <em>your</em> <em>investigation</em> 3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the <em>investigation</em>. 4.What did it cost <em>your</em> company to obtain the <em>documents</em> needed to complete <em>your</em> <em>investigation</em>?"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[17.072971,"14568617"]},{"_index":"complaint-public-v1","_id":"15798240","_score":17.057858,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing your department again about the Fraudulent use of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting fraudulently on my credit report. This account is ONLY reporting on Experian and NO Other Credit bureau. Last month I requested an investigation because I felt the item was not being reported legally. A Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! \nXXXXPlease explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? XXXXWhat certified documents were reviewed to conclude your investigation XXXX. Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. XXXXWhat did it cost your company to obtain the documents needed to complete your investigation? XXXXPlease provide proof of your timely procurement of certified documents. XXXX. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? XXXXIf so, please provide copies of all correspondence ; supply copies of all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. XXXXProvide the date of the commencement of delinquency XXXX. Provide the SPECIFIC date reporting that these items will cease. I am listing below again the accounts and inquires that are not mine. They are a result of identity theft. \nXXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-09-08T18:10:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89107","tags":null,"has_narrative":true,"complaint_id":"15798240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-08T18:02:55.000Z","state":"NV","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":["XXXXPlease explain to me what <em>your</em> representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? XXXXWhat certified <em>documents</em> were <em>reviewed</em> to conclude <em>your</em> <em>investigation</em> XXXX. Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the <em>investigation</em>. XXXXWhat did it cost <em>your</em> company to obtain the <em>documents</em> needed to complete <em>your</em> <em>investigation</em>?"],"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 <em>your</em> report"]},"sort":[17.057858,"15798240"]},{"_index":"complaint-public-v1","_id":"15254190","_score":16.842014,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Portfolio Recovery, I am writing to formally dispute an account listed on my credit report. Upon reviewing my report, I noticed an account that I believe is inaccurate. Please investigate this matter and remove or correct the information as required under the Fair Credit Reporting Act ( FCRA ). \n\nDetails of the disputed account : Creditor/Collection Agency : Account number : Reason for Dispute : I do not recognize this account, or This account should have been removed after XXXX years, Enclosed, I have included a copy of my credit report with the account in question highlighted, along with supporting documents that verify my claim. Please investigate this matter and correct the inaccuracy as soon as possible. \n\nAccording to the FCRA, you are required to complete your investigation within XXXX  days. If you find that this account is indeed incorrect, I request that it be removed from my report entirely. Please provide me with written confirmation of your findings. \n\nThank you for your time and prompt attention to this matter. I look forward to your response.","date_sent_to_company":"2025-08-14T03:43:48.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"15221","tags":null,"has_narrative":true,"complaint_id":"15254190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-08-14T03:12:46.000Z","state":"PA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Details of the disputed account : Creditor/Collection Agency : Account number : Reason for Dispute : I do not recognize this account, or This account should <em>have</em> been removed after XXXX years, Enclosed, I <em>have</em> <em>included</em> a copy of my credit report with the account in question highlighted, along with supporting <em>documents</em> that verify my claim. Please <em>investigate</em> this matter and correct the inaccuracy as soon as possible."]},"sort":[16.842014,"15254190"]},{"_index":"complaint-public-v1","_id":"10204633","_score":15.738452,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2024 XXXX Credit Bureau. XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : 1.Credit Collections ( Original Creditor : XXXX XXXX CO ) Account # : XXXX Amount {$440.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. \nI am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ list any relevant documents you are including ]. \nPlease ensure that these documents are taken into account during your investigation.\n\nAccording to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.\n\nIf you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. \nI appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-23T02:42:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33712","tags":null,"has_narrative":true,"complaint_id":"10204633","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2024-09-23T02:22:12.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>included</em> supporting <em>documents</em> that substantiate my claim ( if applicable ), such as [ <em>list</em> any relevant <em>documents</em> you are including ]. \nPlease ensure that these <em>documents</em> are taken into account during <em>your</em> <em>investigation</em>.\n\nAccording to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete <em>your</em> <em>investigation</em> within 30 days of receiving this letter."],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.738452,"10204633"]},{"_index":"complaint-public-v1","_id":"8561208","_score":15.691172,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Requested for debt validated as I don't owe the balance. \nSubject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Original Creditor XXXX XXXX  Account number XXXX } balance XXXX I do not have a contract with this company and I don't owe the debt, please delete immediately. I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as statement from XXXX which I obtained on XX/XX/2024 which shows XXXX balance due. And if you look at the documentation presented to your office and sent to me when I sent my first dispute the balance listed is XXXX. \nPlease ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i  ), you are required to complete your investigation within 30 days. \nI kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. \n\n\nPlease see attached.","date_sent_to_company":"2024-03-16T17:37:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43232","tags":null,"has_narrative":true,"complaint_id":"8561208","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-16T16:42:44.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>included</em> supporting <em>documents</em> that substantiate my claim ( if applicable ), such as statement from XXXX which I obtained on XX/XX/2024 which shows XXXX balance due. And if you look at the documentation presented to <em>your</em> office and sent to me when I sent my first dispute the balance <em>listed</em> is XXXX. \nPlease ensure that these <em>documents</em> are taken into account during <em>your</em> <em>investigation</em>. According to the Fair Credit Reporting Act ( 15 U.S."],"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 <em>your</em> report"]},"sort":[15.691172,"8561208"]},{"_index":"complaint-public-v1","_id":"11730342","_score":15.617161,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Good evening, To who it may concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, I have the right to dispute any information that I believe is incorrect or incomplete. \n\nThe charge-off in question is listed on my credit report as follows : Creditor Name : UNITED CREDIT & COLLECTIONS Date of Charge-Off : XX/XX/year>2024 I have thoroughly reviewed my records, and I believe that this charge-off is incorrect for the following reasons : A dollar amount was placed on my credit report for a bill that I no longer owe. I have disputed this bill a couple of times in the past however, it is now back on my credit report. The company regarding this complete is aware that I have made all my payments. \n\nIn accordance with FCRA Section 1681i, I request that you investigate this matter and remove the inaccurate information from my credit report. I have included copies of any supporting documents that substantiate my claim. \n\nPlease conduct your investigation and provide me with the results within 30 days, as required by law. Additionally, I would appreciate a written confirmation of the outcome of your investigation. \n\nThank you for your prompt attention to this matter. I look forward to your response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-26T02:41:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"11730342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Credit and Collections Inc.","date_received":"2025-01-26T02:14:22.000Z","state":"TX","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The company regarding this complete is aware that I <em>have</em> made all my payments. \n\nIn accordance with FCRA Section 1681i, I request that you <em>investigate</em> this matter and remove the inaccurate information from my credit report. I <em>have</em> <em>included</em> copies of any supporting <em>documents</em> that substantiate my claim. \n\nPlease conduct <em>your</em> <em>investigation</em> and provide me with the results within 30 days, as required by law."],"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 <em>your</em> report"]},"sort":[15.617161,"11730342"]},{"_index":"complaint-public-v1","_id":"13364499","_score":15.58839,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Review and Removal of Inaccurate XXXX XXXX XXXX Reporting Dear Consumer Financial Protection Bureau, I am writing to formally dispute the continued reporting of a XXXX XXXX XXXX on my credit file and request your assistance in resolving this matter. \n\nOn XX/XX/year>, Experian advised in their response to my dispute that I have the right to contact the original source of the information. They stated that the reporting entity certified the information as accurate and therefore did not update or remove the item from my credit report. \n\nHowever, there are significant discrepancies that I believe warrant further investigation : Incorrect Name Spelling : My legal name, as listed on federal documents including my bankruptcy filing, is XXXX XXXX XXXX XXXX After submitting valid identificationincluding a copy of my drivers license and proof of addressto all three credit bureaus, my name was incorrectly updated to XXXX XXXX XXXX XXXX This change does not match the official court documents associated with the bankruptcy filing, which raises questions about the accuracy of the reporting. \n\nXXXX XXXX XXXX XXXX : I submitted a written request to remove the XXXX XXXX XXXX based on the incorrect association with my current name across all three credit bureaus. Additionally, I opted out of unverified third-party data sources and included supporting letters from LexisNexis dated XX/XX/year>. These letters further support my claim that the information being reported may not be verifiable or correctly attributed. \n\nGiven these inconsistencies, I respectfully request that the CFPB review the documentation I have provided and assist in the removal of this inaccurate bankruptcy record from my credit reports. I have uploaded the relevant documents for your review.\n\nThank you for your time and attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-06T22:54:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30106","tags":null,"has_narrative":true,"complaint_id":"13364499","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-05-06T22:54:25.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> uploaded the relevant <em>documents</em> for <em>your</em> <em>review</em>.\n\nThank you for <em>your</em> time and attention to this matter. \n\nSincerely, XXXX XXXX"],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.58839,"13364499"]},{"_index":"complaint-public-v1","_id":"13375874","_score":15.578117,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Review and Removal of Inaccurate XXXX XXXX  Bankruptcy Reporting Dear Consumer Financial Protection Bureau, I am writing to formally dispute the continued reporting of a XXXX XXXX bankruptcy on my credit file and request your assistance in resolving this matter. \n\nOn XX/XX/year>, Experian advised in their response to my dispute that I have the right to contact the original source of the information. They stated that the reporting entity certified the information as accurate and therefore did not update or remove the item from my credit report. \n\nHowever, there are significant discrepancies that I believe warrant further investigation : Incorrect Name Spelling : My legal name, as listed on federal documents including my bankruptcy filing, is XXXX XXXX XXXX XXXX After submitting valid identificationincluding a copy of my drivers license and proof of addressto all three credit bureaus, my name was incorrectly updated to XXXX XXXX XXXX XXXX This change does not match the official court documents associated with the bankruptcy filing, which raises questions about the accuracy of the reporting. \n\nXXXX XXXX Bankruptcy Reporting : I submitted a written request to remove the XXXX XXXX bankruptcy based on the incorrect association with my current name across all three credit bureaus. Additionally, I opted out of unverified third-party data sources and included supporting letters from XXXX dated XX/XX/year>. These letters further support my claim that the information being reported may not be verifiable or correctly attributed.\n\nGiven these inconsistencies, I respectfully request that the CFPB review the documentation I have provided and assist in the removal of this inaccurate bankruptcy record from my credit reports. I have uploaded the relevant documents for your review.\n\nThank you for your time and attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-06T22:54:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30106","tags":null,"has_narrative":true,"complaint_id":"13375874","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-06T21:39:48.000Z","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":["Additionally, I opted out of unverified third-party data sources and <em>included</em> supporting letters from XXXX dated XX/XX/year>. These letters further support my claim that the information being reported may not be verifiable or correctly attributed.\n\nGiven these inconsistencies, I respectfully request that the CFPB <em>review</em> the documentation I <em>have</em> provided and assist in the removal of this inaccurate bankruptcy record from my credit reports. I <em>have</em> uploaded the relevant <em>documents</em> for <em>your</em> <em>review</em>."],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.578117,"13375874"]},{"_index":"complaint-public-v1","_id":"13375210","_score":15.578117,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Review and Removal of Inaccurate XXXX XXXX  Bankruptcy Reporting Dear Consumer Financial Protection Bureau, I am writing to formally dispute the continued reporting of a XXXX XXXX bankruptcy on my credit file and request your assistance in resolving this matter. \n\nOn XX/XX/year>, Experian advised in their response to my dispute that I have the right to contact the original source of the information. They stated that the reporting entity certified the information as accurate and therefore did not update or remove the item from my credit report. \n\nHowever, there are significant discrepancies that I believe warrant further investigation : Incorrect Name Spelling : My legal name, as listed on federal documents including my bankruptcy filing, is XXXX XXXX XXXX XXXX After submitting valid identificationincluding a copy of my drivers license and proof of addressto all three credit bureaus, my name was incorrectly updated to XXXX XXXX XXXX XXXX This change does not match the official court documents associated with the bankruptcy filing, which raises questions about the accuracy of the reporting. \n\nXXXX XXXX Bankruptcy Reporting : I submitted a written request to remove the XXXX XXXX bankruptcy based on the incorrect association with my current name across all three credit bureaus. Additionally, I opted out of unverified third-party data sources and included supporting letters from XXXX dated XX/XX/year>. These letters further support my claim that the information being reported may not be verifiable or correctly attributed.\n\nGiven these inconsistencies, I respectfully request that the CFPB review the documentation I have provided and assist in the removal of this inaccurate bankruptcy record from my credit reports. I have uploaded the relevant documents for your review.\n\nThank you for your time and attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-06T22:54:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30106","tags":null,"has_narrative":true,"complaint_id":"13375210","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-06T22:54:25.000Z","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":["Additionally, I opted out of unverified third-party data sources and <em>included</em> supporting letters from XXXX dated XX/XX/year>. These letters further support my claim that the information being reported may not be verifiable or correctly attributed.\n\nGiven these inconsistencies, I respectfully request that the CFPB <em>review</em> the documentation I <em>have</em> provided and assist in the removal of this inaccurate bankruptcy record from my credit reports. I <em>have</em> uploaded the relevant <em>documents</em> for <em>your</em> <em>review</em>."],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.578117,"13375210"]},{"_index":"complaint-public-v1","_id":"14956388","_score":15.567331,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate and/or outdated information that appears on my credit report. These inaccuracies are negatively impacting my credit profile and do not reflect my true financial responsibility. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified. Upon careful review of my credit report, I have found several discrepancies that require immediate attention. These may include ( but are not limited to ) : Incorrect account statuses Accounts that are not mine Items reported as late or delinquent in error Inaccurate balances or credit limits Accounts falsely listed as included in bankruptcy Duplicate entries Unauthorized hard inquiries I am requesting that your agency conduct a full investigation into these matters. If the disputed information can not be verified with proper documentation, it must be promptly removed from my credit report. In support of my dispute, I am including the following documents : A copy of my government-issued ID Proof of current address ( e.g., utility bill or lease agreement ) A copy of the credit report with the disputed items highlighted Any relevant documents supporting my claims I expect the results of your investigation within the 30-day window allowed under the FCRA. Please provide written confirmation when the inaccurate information has been updated or removed. If the investigation does not resolve my dispute, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. Thank you in advance for your prompt attention to this matter","date_sent_to_company":"2025-07-29T13:23:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"14956388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-29T13:15:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), I <em>have</em> the right to dispute any information that I believe is incorrect or can not be verified. Upon careful <em>review</em> of my credit report, I <em>have</em> found several discrepancies that require immediate attention."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[15.567331,"14956388"]},{"_index":"complaint-public-v1","_id":"14883912","_score":15.567331,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate and/or outdated information that appears on my credit report. These inaccuracies are negatively impacting my credit profile and do not reflect my true financial responsibility. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified. Upon careful review of my credit report, I have found several discrepancies that require immediate attention. These may include ( but are not limited to ) : Incorrect account statuses Accounts that are not mine Items reported as late or delinquent in error Inaccurate balances or credit limits Accounts falsely listed as included in bankruptcy Duplicate entries Unauthorized hard inquiries I am requesting that your agency conduct a full investigation into these matters. If the disputed information can not be verified with proper documentation, it must be promptly removed from my credit report. In support of my dispute, I am including the following documents : A copy of my government-issued ID Proof of current address ( e.g., utility bill or lease agreement ) A copy of the credit report with the disputed items highlighted Any relevant documents supporting my claims I expect the results of your investigation within the 30-day window allowed under the FCRA. Please provide written confirmation when the inaccurate information has been updated or removed. If the investigation does not resolve my dispute, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. Thank you in advance for your prompt attention to this matter","date_sent_to_company":"2025-07-25T12:05:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"14883912","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-25T11:56:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), I <em>have</em> the right to dispute any information that I believe is incorrect or can not be verified. Upon careful <em>review</em> of my credit report, I <em>have</em> found several discrepancies that require immediate attention."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[15.567331,"14883912"]},{"_index":"complaint-public-v1","_id":"14645887","_score":15.563007,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate and/or outdated information that appears on my credit report. These inaccuracies are negatively impacting my credit profile and do not reflect my true financial responsibility. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified.\n\nUpon careful review of my credit report, I have found several discrepancies that require immediate attention. These may include ( but are not limited to ) : Incorrect account statuses Accounts that are not mine Items reported as late or delinquent in error Inaccurate balances or credit limits Accounts falsely listed as included in bankruptcy Duplicate entries Unauthorized hard inquiries I am requesting that your agency conduct a full investigation into these matters. If the disputed information can not be verified with proper documentation, it must be promptly removed from my credit report.\n\nIn support of my dispute, I am including the following documents : A copy of my government-issued ID Proof of current address ( e.g., utility bill or lease agreement ) A copy of the credit report with the disputed items highlighted Any relevant documents supporting my claims I expect the results of your investigation within the 30-day window allowed under the FCRA. Please provide written confirmation when the inaccurate information has been updated or removed. If the investigation does not resolve my dispute, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies.\n\nThank you in advance for your prompt attention to this matter","date_sent_to_company":"2025-07-14T19:04:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"14645887","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-14T18:28:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), I <em>have</em> the right to dispute any information that I believe is incorrect or can not be verified.\n\nUpon careful <em>review</em> of my credit report, I <em>have</em> found several discrepancies that require immediate attention."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[15.563007,"14645887"]},{"_index":"complaint-public-v1","_id":"14645034","_score":15.561918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate and/or outdated information that appears on my credit report. These inaccuracies are negatively impacting my credit profile and do not reflect my true financial responsibility. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified.\n\nUpon careful review of my credit report, I have found several discrepancies that require immediate attention. These may include ( but are not limited to ) : Incorrect account statuses Accounts that are not mine Items reported as late or delinquent in error Inaccurate balances or credit limits Accounts falsely listed as included in bankruptcy Duplicate entries Unauthorized hard inquiries I am requesting that your agency conduct a full investigation into these matters. If the disputed information can not be verified with proper documentation, it must be promptly removed from my credit report.\n\nIn support of my dispute, I am including the following documents : A copy of my government-issued ID Proof of current address ( e.g., utility bill or lease agreement ) A copy of the credit report with the disputed items highlighted Any relevant documents supporting my claims I expect the results of your investigation within the 30-day window allowed under the FCRA. Please provide written confirmation when the inaccurate information has been updated or removed. If the investigation does not resolve my dispute, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies.\n\nThank you in advance for your prompt attention to this matter","date_sent_to_company":"2025-07-14T20:51:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"14645034","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-14T19:04:05.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), I <em>have</em> the right to dispute any information that I believe is incorrect or can not be verified.\n\nUpon careful <em>review</em> of my credit report, I <em>have</em> found several discrepancies that require immediate attention."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[15.561918,"14645034"]},{"_index":"complaint-public-v1","_id":"12550231","_score":15.556984,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Credit Reporting AgencyXXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Repossession Charge-Off Closed Account - Failure to Issue IRS 1099-C Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding an auto loan repossession charge-off for the account listed under XXXX XXXX with account number XXXXThis account is marked as \" closed '' and charged-off/written off, but I have not received an IRS Form 1099-C for the forgiven debt associated with this repossession. \nAs you may know, under the IRS guidelines, a lender is required to issue a 1099-C for any debt that is cancelled or forgiven, typically in cases of repossession. To my knowledge, I have not received this form for the year the repossession occurred, which leads me to believe that this account has been inaccurately reported on my credit file.\n\nI request that you investigate this matter and correct any inaccuracies regarding the reporting of this account. Specifically, I ask that you : 1. Verify whether a 1099-C was issued for this account.\n\n2. Ensure that the credit reporting reflects the proper treatment of this closed account in accordance with IRS requirements.\n\n3. Remove any improper reporting related to this account, including any charge-off or cancellation of debt that should have been documented via a 1099-C.\n\nTo assist in the investigation, I have included the following documents for your review : * [ List any relevant documents you are attaching, such as payment records, communication with the lender, or any other supporting evidence ].\n\nUnder the Fair Credit Reporting Act ( FCRA ), I request that you complete your investigation within XXXX  days and provide me with the results in writing.\n\nIf further documentation or information is needed, please let me know. I appreciate your prompt attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-19T06:15:00.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"90047","tags":null,"has_narrative":true,"complaint_id":"12550231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Driveway Finance Corporation","date_received":"2025-03-19T06:04:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Deficiency balance after repossession"},"highlight":{"complaint_what_happened":["Remove any improper reporting related to this account, including any charge-off or cancellation of debt that should <em>have</em> been <em>documented</em> via a 1099-C.\n\nTo assist in the <em>investigation</em>, I <em>have</em> <em>included</em> the following <em>documents</em> for <em>your</em> <em>review</em> : * [ <em>List</em> any relevant <em>documents</em> you are attaching, such as payment records, communication with the lender, or any other supporting evidence ]."]},"sort":[15.556984,"12550231"]},{"_index":"complaint-public-v1","_id":"8813449","_score":15.380818,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter finds you well. I am writing to you with regards to the recent credit inquiries listed on my credit report. After reviewing my credit report, I have noticed that there are some inquiries that I did not authorize nor recognize. I am formally requesting the removal of the following inquiries from my credit report : Inquiry from XXXX dated XX/XX/2023 Inquiry from XXXX dated XX/XX/2023 Inquiry from XXXX XXXX dated XX/XX/2023 These inquiries do not reflect any credit applications or actions that I have taken, and therefore, they are incorrect and unjustified. I have not authorized any institutions listed above to access my credit information during the mentioned dates. \n\nI understand the importance of accurate credit reporting and the impact it has on my financial well-being. These erroneous inquiries could potentially harm my XXXX XXXX and affect my ability to obtain credit in the future. Thus, I kindly request that you promptly investigate these inquiries and remove them from my credit report. \n\nEnclosed with this letter are copies of my credit report highlighting the aforementioned inquiries for your reference. Additionally, I have included copies of my identification documents to verify my identity and facilitate the investigation process. \n\nI appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation once it is completed. Please provide me with written confirmation once the unauthorized inquiries have been removed from my credit report. \n\nThank you for your cooperation and understanding in resolving this matter promptly. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information.","date_sent_to_company":"2024-04-19T21:41:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"8813449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-19T21:30:56.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Thus, I kindly request that you promptly <em>investigate</em> these inquiries and remove them from my credit report. \n\nEnclosed with this letter are copies of my credit report highlighting the aforementioned inquiries for <em>your</em> reference. Additionally, I <em>have</em> <em>included</em> copies of my identification <em>documents</em> to verify my identity and facilitate the <em>investigation</em> process."],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Credit inquiries on <em>your</em> report that you don't recognize"]},"sort":[15.380818,"8813449"]},{"_index":"complaint-public-v1","_id":"11540470","_score":15.298524,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear XXXX, I am writing to formally dispute the following credit inquiries listed on my credit report. I recently reviewed my credit report and noticed inquiries that I do not recognize or authorize. These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me or those resulting from a permissible purpose can remain on my credit report. I did not grant permission for these inquiries, nor did I initiate any transaction or application with these institutions. \n\nI kindly request that you investigate these inquiries and remove them from my credit report they are unauthorized. Enclosed, I have included the following documents to assist with your investigation : Please complete your investigation within the legally mandated 30 days and provide me with written confirmation of your findings and any actions taken. \n\nThank you for your prompt attention to this matter. Should you need any additional information or documentation, please do not hesitate to contact me at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-15T06:21:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06514","tags":null,"has_narrative":true,"complaint_id":"11540470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-15T06:21:49.000Z","state":"CT","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":["I kindly request that you <em>investigate</em> these inquiries and remove them from my credit report they are unauthorized. Enclosed, I <em>have</em> <em>included</em> the following <em>documents</em> to assist with <em>your</em> <em>investigation</em> : Please complete <em>your</em> <em>investigation</em> within the legally mandated 30 days and provide me with written confirmation of <em>your</em> findings and any actions taken. \n\nThank you for <em>your</em> prompt attention to this matter."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[15.298524,"11540470"]},{"_index":"complaint-public-v1","_id":"11764486","_score":15.296801,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information appearing on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe the accounts listed below are inaccurate or unverifiable and are causing harm to my credit profile. \n\nThe accounts in question are as follows : LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX According to the FCRA, credit reporting agencies are required to maintain accurate and verifiable records. I am requesting a thorough investigation into the accuracy of these accounts. If the information can not be verified, I kindly request that the accounts be deleted from my credit file in accordance with the FCRA.\n\nAdditionally, under 15 U.S.C. 1681o, a credit reporting agency may be held liable for negligence if it fails to uphold its duty to report accurate information. I trust that your agency will handle this matter with the utmost attention to avoid further complications.\n\nI have included copies of my identification, proof of address, and any relevant supporting documents to assist with your investigation. Please conduct your review and provide me with written confirmation of the results of your investigation.\n\nIf these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report. Please respond within 30 days as required under the FCRA.","date_sent_to_company":"2025-01-24T11:54:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"11764486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-01-24T11:47:48.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I trust that <em>your</em> agency will handle this matter with the utmost attention to avoid further complications.\n\nI <em>have</em> <em>included</em> copies of my identification, proof of address, and any relevant supporting <em>documents</em> to assist with <em>your</em> <em>investigation</em>. Please conduct <em>your</em> <em>review</em> and provide me with written confirmation of the results of <em>your</em> <em>investigation</em>.\n\nIf these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report."],"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 <em>your</em> report"]},"sort":[15.296801,"11764486"]},{"_index":"complaint-public-v1","_id":"11764062","_score":15.292239,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information appearing on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe the accounts listed below are inaccurate or unverifiable and are causing harm to my credit profile. \n\nThe accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card XXXX XXXX XXXX  According to the FCRA, credit reporting agencies are required to maintain accurate and verifiable records. I am requesting a thorough investigation into the accuracy of these accounts. If the information can not be verified, I kindly request that the accounts be deleted from my credit file in accordance with the FCRA.\n\nAdditionally, under 15 U.S.C. 1681o, a credit reporting agency may be held liable for negligence if it fails to uphold its duty to report accurate information. I trust that your agency will handle this matter with the utmost attention to avoid further complications. \n\nI have included copies of my identification, proof of address, and any relevant supporting documents to assist with your investigation. Please conduct your review and provide me with written confirmation of the results of your investigation. \n\nIf these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report. Please respond within 30 days as required under the FCRA.","date_sent_to_company":"2025-01-24T11:55:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"11764062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-24T11:55:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I trust that <em>your</em> agency will handle this matter with the utmost attention to avoid further complications. \n\nI <em>have</em> <em>included</em> copies of my identification, proof of address, and any relevant supporting <em>documents</em> to assist with <em>your</em> <em>investigation</em>. Please conduct <em>your</em> <em>review</em> and provide me with written confirmation of the results of <em>your</em> <em>investigation</em>. \n\nIf these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report."],"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 <em>your</em> report"]},"sort":[15.292239,"11764062"]},{"_index":"complaint-public-v1","_id":"11762890","_score":15.288118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Dispute of Inaccurate Information under FCRA Request for Deletion To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe the accounts listed below are inaccurate or unverifiable and are causing harm to my credit profile. \n\nThe accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA, credit reporting agencies are required to maintain accurate and verifiable records. I am requesting a thorough investigation into the accuracy of these accounts. If the information can not be verified, I kindly request that the accounts be deleted from my credit file in accordance with the FCRA. \n\nAdditionally, under 15 U.S.C. 1681o, a credit reporting agency may be held liable for negligence if it fails to uphold its duty to report accurate information. I trust that your agency will handle this matter with the utmost attention to avoid further complications. \n\nI have included copies of my identification, proof of address, and any relevant supporting documents to assist with your investigation. Please conduct your review and provide me with written confirmation of the results of your investigation. \n\nIf these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report. Please respond within 30 days as required under the FCRA.","date_sent_to_company":"2025-01-24T12:07:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"11762890","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-24T12:07:46.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I trust that <em>your</em> agency will handle this matter with the utmost attention to avoid further complications. \n\nI <em>have</em> <em>included</em> copies of my identification, proof of address, and any relevant supporting <em>documents</em> to assist with <em>your</em> <em>investigation</em>. Please conduct <em>your</em> <em>review</em> and provide me with written confirmation of the results of <em>your</em> <em>investigation</em>. \n\nIf these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report."],"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 <em>your</em> report"]},"sort":[15.288118,"11762890"]},{"_index":"complaint-public-v1","_id":"11739643","_score":15.288118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Dispute of Inaccurate Information under FCRA Request for Deletion To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe the accounts listed below are inaccurate or unverifiable and are causing harm to my credit profile. \n\nThe accounts in question are as follows : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA, XXXX reporting agencies are required to maintain accurate and verifiable records. I am requesting a thorough investigation into the accuracy of these accounts. If the information can not be verified, I kindly request that the accounts be deleted from my credit file in accordance with the FCRA. \n\nAdditionally, under XXXX XXXX. XXXX, a credit reporting agency XXXX be held liable for negligence if it fails to uphold its duty to report accurate information. I trust that your agency will handle this matter with the utmost attention to avoid further complications. \n\nI have included copies of my identification, proof of address, and any relevant supporting documents to assist with your investigation. Please conduct your review and provide me with written confirmation of the results of your investigation. \n\nIf these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report. Please respond within 30 days as required under the FCRA.","date_sent_to_company":"2025-01-24T12:07:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"11739643","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-24T12:02:36.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I trust that <em>your</em> agency will handle this matter with the utmost attention to avoid further complications. \n\nI <em>have</em> <em>included</em> copies of my identification, proof of address, and any relevant supporting <em>documents</em> to assist with <em>your</em> <em>investigation</em>. Please conduct <em>your</em> <em>review</em> and provide me with written confirmation of the results of <em>your</em> <em>investigation</em>. \n\nIf these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report."],"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 <em>your</em> report"]},"sort":[15.288118,"11739643"]},{"_index":"complaint-public-v1","_id":"11540445","_score":15.288118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear Transunion, I am writing to formally dispute the following credit inquiries listed on my credit report. I recently reviewed my credit report and noticed inquiries that I do not recognize or authorize. These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me or those resulting from a permissible purpose can remain on my credit report. I did not grant permission for these inquiries, nor did I initiate any transaction or application with these institutions. \n\nI kindly request that you investigate these inquiries and remove them from my credit report they are unauthorized. Enclosed, I have included the following documents to assist with your investigation : Please complete your investigation within the legally mandated 30 days and provide me with written confirmation of your findings and any actions taken. \n\nThank you for your prompt attention to this matter. Should you need any additional information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-15T06:28:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06514","tags":null,"has_narrative":true,"complaint_id":"11540445","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-15T06:23:57.000Z","state":"CT","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":["I kindly request that you <em>investigate</em> these inquiries and remove them from my credit report they are unauthorized. Enclosed, I <em>have</em> <em>included</em> the following <em>documents</em> to assist with <em>your</em> <em>investigation</em> : Please complete <em>your</em> <em>investigation</em> within the legally mandated 30 days and provide me with written confirmation of <em>your</em> findings and any actions taken. \n\nThank you for <em>your</em> prompt attention to this matter."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[15.288118,"11540445"]},{"_index":"complaint-public-v1","_id":"11764055","_score":15.285683,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information appearing on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe the accounts listed below are inaccurate or unverifiable and are causing harm to my credit profile. \n\nThe accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA, credit reporting agencies are required to maintain accurate and verifiable records. I am requesting a thorough investigation into the accuracy of these accounts. If the information can not be verified, I kindly request that the accounts be deleted from my credit file in accordance with the FCRA.\n\nAdditionally, under 15 U.S.C. 1681o, a credit reporting agency may be held liable for negligence if it fails to uphold its duty to report accurate information. I trust that your agency will handle this matter with the utmost attention to avoid further complications. \n\nI have included copies of my identification, proof of address, and any relevant supporting documents to assist with your investigation. Please conduct your review and provide me with written confirmation of the results of your investigation. \n\nIf these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report. Please respond within 30 days as required under the FCRA.","date_sent_to_company":"2025-01-24T11:55:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"11764055","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-24T11:55:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I trust that <em>your</em> agency will handle this matter with the utmost attention to avoid further complications. \n\nI <em>have</em> <em>included</em> copies of my identification, proof of address, and any relevant supporting <em>documents</em> to assist with <em>your</em> <em>investigation</em>. Please conduct <em>your</em> <em>review</em> and provide me with written confirmation of the results of <em>your</em> <em>investigation</em>. \n\nIf these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report."],"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 <em>your</em> report"]},"sort":[15.285683,"11764055"]},{"_index":"complaint-public-v1","_id":"11551630","_score":15.285683,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear Experian, I am writing to formally dispute the following credit inquiries listed on my credit report. I recently reviewed my credit report and noticed inquiries that I do not recognize or authorize. These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me or those resulting from a permissible purpose can remain on my credit report. I did not grant permission for these inquiries, nor did I initiate any transaction or application with these institutions. \n\nI kindly request that you investigate these inquiries and remove them from my credit report they are unauthorized. Enclosed, I have included the following documents to assist with your investigation : Please complete your investigation within the legally mandated 30 days and provide me with written confirmation of your findings and any actions taken. \n\nThank you for your prompt attention to this matter. Should you need any additional information or documentation, please do not hesitate to contact me at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-15T06:21:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"06514","tags":null,"has_narrative":true,"complaint_id":"11551630","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-15T05:59:49.000Z","state":"CT","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":["I kindly request that you <em>investigate</em> these inquiries and remove them from my credit report they are unauthorized. Enclosed, I <em>have</em> <em>included</em> the following <em>documents</em> to assist with <em>your</em> <em>investigation</em> : Please complete <em>your</em> <em>investigation</em> within the legally mandated 30 days and provide me with written confirmation of <em>your</em> findings and any actions taken. \n\nThank you for <em>your</em> prompt attention to this matter."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[15.285683,"11551630"]},{"_index":"complaint-public-v1","_id":"10114754","_score":15.267306,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Investigation and Correction of Credit Report Discrepancies To Whom It May Concern, I am writing to formally request an investigation into several inaccuracies found in my credit profile, as maintained by LexisNexis. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete credit reporting.\n\nThe specific issues pertain to accounts that should have been marked as \" Included in Bankruptcy '' following my XXXX  XXXX bankruptcy discharge on [ Date of Discharge ], under case number [ Your Case Number ] with the U.S. Bankruptcy Court for the [ Name of Court ]. Instead, these accounts are reported without data and in dispute, which does not reflect their true status. Details of these accounts are as follows : XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX XXXX Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute I request that LexisNexis conduct a thorough review and correction of these entries to accurately reflect their status as discharged debts under XXXX  XXXX bankruptcy. Attached are copies of the bankruptcy discharge documents and the schedule of included debts to substantiate my claim. \n\nAdditionally, I request a copy of my full file disclosure from LexisNexis to review for any further discrepancies. Please send this report to the address mentioned above. \n\nPlease confirm the receipt of this correspondence and inform me about the steps you are taking to resolve these inaccuracies. I expect this matter to be addressed within the timeframe mandated by the FCRA and look forward to your prompt response. \n\nThank you for your attention to this important matter. Should you require further information or documentation to facilitate your investigation, please do not hesitate to contact me at the phone number or email address listed above. \n\nSincerely,","date_sent_to_company":"2024-09-13T17:00:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95209","tags":null,"has_narrative":true,"complaint_id":"10114754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-09-13T16:53:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I expect this matter to be addressed within the timeframe mandated by the FCRA and look forward to <em>your</em> prompt response. \n\nThank you for <em>your</em> attention to this important matter. Should you require further information or documentation to facilitate <em>your</em> <em>investigation</em>, please do not hesitate to contact me at the phone number or email address <em>listed</em> above. \n\nSincerely,"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[15.267306,"10114754"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":781,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":781}]}},"product":{"doc_count":781,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":456,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":452},{"key":"Other personal consumer report","doc_count":4}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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