{"took":207,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3356,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14855916","_score":14.575068,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have tried repeatedly to reach them by phone and email but can not speak to a human. I'm extremely concerned because they appear to be threatening repossession or may damage my credit for a loan I never agreed to. \nI am asking for a full investigation, a copy of the signed contract, and for all repossession or credit actions to be paused until this matter is resolved.","date_sent_to_company":"2025-07-24T20:57:11.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"68801","tags":null,"has_narrative":true,"complaint_id":"14855916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2025-07-24T20:40:24.000Z","state":"NE","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I <em>have</em> tried <em>repeatedly</em> to reach them by phone and email but can not speak to a human. I'm extremely concerned because they appear to be threatening repossession or may damage my credit for a loan I never agreed to. \nI am <em>asking</em> for a full <em>investigation</em>, a <em>copy</em> of the signed contract, and for all repossession or credit actions to be paused until this matter is resolved."]},"sort":[14.575068,"14855916"]},{"_index":"complaint-public-v1","_id":"2002220","_score":14.386074,"_source":{"product":"Credit reporting","complaint_what_happened":"Over the course of almost one year I have disputed an incorrect address that Equifax has on my personal credit report. Equifax will investigate the incorrect address, send me a letter stating the results of their investigation which states that the address has been removed and then reinsert the address a few weeks later. They have done this multiple times ( see attached documents directly from Equifax ). They have also NEVER sent me notification that the incorrect address has been reinserted into my credit file. \n\nI have repeatedly sent Equifax copies of their results letters indicating that the incorrect and disputed address have been deleted. I have sent letters asking them to follow the FCRA, specifically section 611 which talks about reinsertion of previously deleted information. \n\nEnclosures Copy of FCRA 611 Copy of Investigation Results Letter dated XXXX XXXX, XXXX Copy of Investigation Results Letter dated XXXX XXXX, XXXX","date_sent_to_company":"2016-07-07T23:21:50.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"78258","tags":null,"has_narrative":true,"complaint_id":"2002220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-07-07T23:21:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Reinserted previously deleted info"},"highlight":{"complaint_what_happened":["They <em>have</em> also NEVER sent me notification that the incorrect address has been reinserted into my credit file. \n\nI <em>have</em> <em>repeatedly</em> sent Equifax <em>copies</em> of their results letters indicating that the incorrect and disputed address <em>have</em> been deleted. I <em>have</em> sent letters <em>asking</em> them to follow the FCRA, specifically section 611 which talks about reinsertion of previously deleted information."]},"sort":[14.386074,"2002220"]},{"_index":"complaint-public-v1","_id":"3534316","_score":14.082744,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint involves XXXX Credit Report. On XX/XX/2020, XXXX lowered my credit score by 36 points. According to the report issued via XXXX XXXX, who used the XXXX  Report, there were five changes to my XXXX Report : 1. Ally Financial Reports 2 Payments Made on Time. 2. XXXX XXXX XXXX  added the following remarks to my account : Charged Off Account. Account Closed By Credit Grantor. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. XXXX and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 3. ALLY FInancial added remarks that Consumer disputes after resolution. Ally Financial has not conducted a legitimate investigation into my complaint and on several occasions changed the dates they claimed I was late on my auto loan. The auto loan was never late and I continue to dispute the report. 4. XXXX XXXX XXXX added the following remarks to my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. XXXX and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 5. XXXX XXXX XXXX removed the following remarks from my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. XXXX and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 6. XXXX XXXX XXXX XXXX continues to report negatively on my credit reports and refuses to conduct a legitimate investigation. Because they wasted so much time, there is no way to prosecute the fraudulent actors, meanwhile, XXXX continues to fraudulently report negatively on my report. \n\n\nIt is clear to see that XXXX, ALLY BANK, and XXXX XXXX XXXX are deliberately manipulating the credit reports and negatively impacting my XXXX  Credit Report and ability to purchase a home. For instance, my score dropped 36 points over a change in the narrative but has not gone up since paying off nearing {$2000.00} to XXXX XXXX XXXX. \nXXXX is also under-reporting the average age of my credit. I have a 99 % on-time payment, 15 % Credit card utilization, 0 Derogatory Remarks in Collections or Public Record, 7 Hard Inquiries which I have repeatedly disputed as unauthorized and XXXX  has done nothing but refer me to the creditor. The responsibility is upon XXXX to report accurate information and to demand strict proof when I file a complaint or dispute. \nOn information and belief, it is public knowledge that XXXX, Ally Financial, and XXXX are corrupt and manipulate scores to fraudulently inflate the cost.","date_sent_to_company":"2020-02-17T18:31:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37075","tags":null,"has_narrative":true,"complaint_id":"3534316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2020-02-17T18:30:58.000Z","state":"TN","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":["XXXX and XXXX <em>have</em> claimed they <em>have</em> previously <em>investigated</em> the claim and are not obligated to conduct further <em>investigations</em>. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate <em>investigation</em> as I <em>have</em> <em>repeatedly</em> <em>asked</em> for a <em>copy</em> of their <em>investigation</em> to no avail. 6."],"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":[14.082744,"3534316"]},{"_index":"complaint-public-v1","_id":"3534393","_score":14.073506,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint involves XXXX  Credit Report. On XX/XX/2020, XXXX lowered my credit score by 36 points. According to the report issued via XXXX XXXX, who used the XXXX Report, there were five changes to my XXXX Report : 1. XXXX XXXX Reports 2 Payments Made on Time. 2. USAA Savings Bank added the following remarks to my account : Charged Off Account. Account Closed By Credit Grantor. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. USAA and XXXX  have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the USAA CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 3. XXXX XXXX added remarks that Consumer disputes after resolution. XXXX XXXX has not conducted a legitimate investigation into my complaint and on several occasions changed the dates they claimed I was late on my auto loan. The auto loan was never late and I continue to dispute the report. 4. USAA Savings Bank added the following remarks to my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. USAA and XXXX  have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the USAA CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 5. USAA Savings Bank removed the following remarks from my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. USAA and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the USAA CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 6. XXXX XXXX XXXX XXXX continues to report negatively on my credit reports and refuses to conduct a legitimate investigation. Because they wasted so much time, there is no way to prosecute the fraudulent actors, meanwhile, XXXX continues to fraudulently report negatively on my report. \n\n\nIt is clear to see that XXXX, XXXX XXXX, and USAA Savings Bank are deliberately manipulating the credit reports and negatively impacting my XXXX Credit Report and ability to purchase a home. For instance, my score dropped 36 points over a change in the narrative but has not gone up since paying off nearing {$2000.00} to XXXX XXXX XXXX. \nXXXX is also under-reporting the average age of my credit. I have a 99 % on-time payment, 15 % Credit card utilization, 0 Derogatory Remarks in Collections or Public Record, 7 Hard Inquiries which I have repeatedly disputed as unauthorized and XXXX has done nothing but refer me to the creditor. The responsibility is upon XXXX to report accurate information and to demand strict proof when I file a complaint or dispute. \nOn information and belief, it is public knowledge that XXXX, XXXX XXXX, and USAA are corrupt and manipulate scores to fraudulently inflate the cost.","date_sent_to_company":"2020-02-17T18:31:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37075","tags":null,"has_narrative":true,"complaint_id":"3534393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2020-02-17T18:30:58.000Z","state":"TN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["USAA and XXXX <em>have</em> claimed they <em>have</em> previously <em>investigated</em> the claim and are not obligated to conduct further <em>investigations</em>. The reality is that a representative of the USAA CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate <em>investigation</em> as I <em>have</em> <em>repeatedly</em> <em>asked</em> for a <em>copy</em> of their <em>investigation</em> to no avail. 6."],"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":[14.073506,"3534393"]},{"_index":"complaint-public-v1","_id":"3534317","_score":14.030412,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint involves EQUIFAX Credit Report. On XX/XX/2020, Equifax lowered my credit score by 36 points. According to the report issued via XXXX XXXX, who used the Equifax Report, there were five changes to my Equifax Report : 1. XXXX XXXX Reports 2 Payments Made on Time. 2. XXXX XXXX XXXX  added the following remarks to my account : Charged Off Account. Account Closed By Credit Grantor. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. XXXX and EQUIFAX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 3. XXXX XXXX added remarks that Consumer disputes after resolution. XXXX XXXX has not conducted a legitimate investigation into my complaint and on several occasions changed the dates they claimed I was late on my auto loan. The auto loan was never late and I continue to dispute the report. 4. XXXX XXXX XXXX  added the following remarks to my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. XXXX and EQUIFAX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 5. XXXX XXXX XXXX removed the following remarks from my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. XXXX and EQUIFAX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 6. XXXX XXXX XXXX XXXX continues to report negatively on my credit reports and refuses to conduct a legitimate investigation. Because they wasted so much time, there is no way to prosecute the fraudulent actors, meanwhile, XXXX continues to fraudulently report negatively on my report. \n\n\nIt is clear to see that EQUIFAX, XXXX XXXX, and XXXX XXXX XXXX are deliberately manipulating the credit reports and negatively impacting my EQUIFAX Credit Report and ability to purchase a home. For instance, my score dropped 36 points over a change in the narrative but has not gone up since paying off nearing {$2000.00} to XXXX XXXX XXXX \nEquifax is also under-reporting the average age of my credit. I have a 99 % on-time payment, 15 % Credit card utilization, 0 Derogatory Remarks in Collections or Public Record, 7 Hard Inquiries which I have repeatedly disputed as unauthorized and Equifax has done nothing but refer me to the creditor. The responsibility is upon EQUIFAX to report accurate information and to demand strict proof when I file a complaint or dispute. \nOn information and belief, it is public knowledge that EQUIFAX, XXXX XXXX, and XXXX are corrupt and manipulate scores to fraudulently inflate the cost.","date_sent_to_company":"2020-02-17T18:30:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37075","tags":null,"has_narrative":true,"complaint_id":"3534317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-02-17T17:46:30.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX and EQUIFAX <em>have</em> claimed they <em>have</em> previously <em>investigated</em> the claim and are not obligated to conduct further <em>investigations</em>. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate <em>investigation</em> as I <em>have</em> <em>repeatedly</em> <em>asked</em> for a <em>copy</em> of their <em>investigation</em> to no avail. 6."],"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":[14.030412,"3534317"]},{"_index":"complaint-public-v1","_id":"5796248","_score":13.88124,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian and XXXX XXXX XXXX XXXX ( XXXX ) ignores and mocks the CFPB by repeatedly labeling my requests and complaints for information as a duplicate. I continue ans continually requested a copy of the permissible permission issued to Experian by XXXX used to access my credit report in XX/XX/2017 as duplicate complaint. Neither Experian nor XXXX have complied, investigated nor submitted valid permissible permission. Experian investigates by asking XXXX if they are reporting accurately and XXXX always answers yes. This appears to be a game for both companies to dodge and deflect any liability.","date_sent_to_company":"2022-07-21T13:46:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77494","tags":"Older American","has_narrative":true,"complaint_id":"5796248","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-21T13:37:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Experian and XXXX XXXX XXXX XXXX ( XXXX ) ignores and mocks the CFPB by <em>repeatedly</em> labeling my requests and complaints for information as a duplicate. I continue ans continually requested a <em>copy</em> of the permissible permission issued to Experian by XXXX used to access my credit report in XX/XX/2017 as duplicate complaint. Neither Experian nor XXXX <em>have</em> complied, <em>investigated</em> nor submitted valid permissible permission."],"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":[13.88124,"5796248"]},{"_index":"complaint-public-v1","_id":"1759251","_score":13.816182,"_source":{"product":"Credit reporting","complaint_what_happened":"I have disputed a judgment on my credit report twice for XXXX XXXX in the amount of {$1100.00}. I have provided Equifax a copy of the alleged judgment against me that shows a different person 's name and a different amount. Despite sending this information twice to Equifax they have repeatedly stated that they have verified this account and it belongs to me in their investigation results. I contacted Equifax directly at XXXX on XXXX XXXX, 2016 and spoke with XXXX in customer service regarding the dispute results for the most recent investigation. I asked the representative what information they had received from the XXXX County Courthouse or original creditor to prove that his account was mine and his response was he did not know. He then stated that he would send it back for \" re-investigation '', I asked what where going to do when they review it again, he again stated that he did not know. I asked him did he have a copy of the information that they received to verify this account and he said that he did not have access to that information. He also stated that he could not tell me what would be done differently and that was all he would be able to do for me.","date_sent_to_company":"2016-01-26T14:31:56.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"27265","tags":null,"has_narrative":true,"complaint_id":"1759251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-01-26T14:31:56.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["I <em>have</em> disputed a judgment on my credit report twice for XXXX XXXX in the amount of {$1100.00}. I <em>have</em> provided Equifax a <em>copy</em> of the alleged judgment against me that shows a different person 's name and a different amount. Despite sending this information twice to Equifax they <em>have</em> <em>repeatedly</em> stated that they <em>have</em> verified this account and it belongs to me in their <em>investigation</em> results."],"issue":["Credit reporting company's <em>investigation</em>"]},"sort":[13.816182,"1759251"]},{"_index":"complaint-public-v1","_id":"2291432","_score":13.611308,"_source":{"product":"Credit reporting","complaint_what_happened":"I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with TransUnion. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to TransUnion, nor has TransUnion requested the information, I called TransUnion and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. She stated they verified this information through XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed them a copy via certified mail. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), TransUnion never marked my credit report as being disputed either.","date_sent_to_company":"2017-01-16T21:19:45.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"51501","tags":null,"has_narrative":true,"complaint_id":"2291432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-01-16T21:19:45.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>repeatedly</em> disputed a chapter XXXX bankruptcy on my credit report with TransUnion. Each time they <em>have</em> responded back that they verified the information. I <em>have</em> <em>repeatedly</em> <em>asked</em> for evidence to support their claim and their procedure on how the <em>investigated</em> it. They <em>have</em> failed to provide me with a <em>copy</em> of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims."],"issue":["Credit reporting company's <em>investigation</em>"],"sub_issue":["No notice of <em>investigation</em> status/result"]},"sort":[13.611308,"2291432"]},{"_index":"complaint-public-v1","_id":"3010394","_score":13.571621,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I have contacted XXXX ( XXXX XXXX ) for my XXXX account repeatedly. There is a 30-60 day late payment noted on my credit reports for XX/XX/XXXX. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. \n\nI have asked Equifax, XXXX and XXXX to investigate the transaction and remove late payment from my credit report, but they have refused to do so. Instead, I get a general and copied and pasted response to my investigation requests. \n\nThis notation is not correct and I would like the credit reports to do their due diligence and investigate and remove the notation from my reports.","date_sent_to_company":"2018-09-04T18:14:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43230","tags":null,"has_narrative":true,"complaint_id":"3010394","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-09-04T18:04:36.000Z","state":"OH","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Hello, I <em>have</em> contacted XXXX ( XXXX XXXX ) for my XXXX account <em>repeatedly</em>. There is a 30-60 day late payment noted on my credit reports for XX/XX/XXXX. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. \n\nI <em>have</em> <em>asked</em> Equifax, XXXX and XXXX to <em>investigate</em> the transaction and remove late payment from my credit report, but they <em>have</em> refused to do so."]},"sort":[13.571621,"3010394"]},{"_index":"complaint-public-v1","_id":"3009971","_score":13.554628,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I have contacted XXXX ( XXXX XXXX ) for my XXXX account repeatedly. There is a 30-60 day  late payment noted on my credit reports for XX/XX/2018. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. \n\nI have asked XXXX, Transunion and XXXX to investigate the transaction and remove late payment from my credit report, but they have refused to do so. Instead, I get a general and copied and pasted response to my investigation requests. \n\nThis notation is not correct and I would like the credit reports to do their due diligence and investigate and remove the notation from my reports.","date_sent_to_company":"2018-09-04T18:14:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43230","tags":null,"has_narrative":true,"complaint_id":"3009971","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-09-04T18:14:26.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Hello, I <em>have</em> contacted XXXX ( XXXX XXXX ) for my XXXX account <em>repeatedly</em>. There is a 30-60 day  late payment noted on my credit reports for XX/XX/2018. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. \n\nI <em>have</em> <em>asked</em> XXXX, Transunion and XXXX to <em>investigate</em> the transaction and remove late payment from my credit report, but they <em>have</em> refused to do so."]},"sort":[13.554628,"3009971"]},{"_index":"complaint-public-v1","_id":"3009972","_score":13.539168,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I have contacted XXXX ( XXXX XXXX ) for my XXXX account repeatedly. There is a 30-60 day  late payment noted on my credit reports for XX/XX/2018. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. \n\nI have asked XXXX, XXXX and Experian to investigate the transaction and remove late payment from my credit report, but they have refused to do so. Instead, I get a general and copied and pasted response to my investigation requests. \n\nThis notation is not correct and I would like the credit reports to do their due diligence and investigate and remove the notation from my reports.","date_sent_to_company":"2018-09-04T18:14:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43230","tags":null,"has_narrative":true,"complaint_id":"3009972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-09-04T18:14:26.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Hello, I <em>have</em> contacted XXXX ( XXXX XXXX ) for my XXXX account <em>repeatedly</em>. There is a 30-60 day  late payment noted on my credit reports for XX/XX/2018. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. \n\nI <em>have</em> <em>asked</em> XXXX, XXXX and Experian to <em>investigate</em> the transaction and remove late payment from my credit report, but they <em>have</em> refused to do so."]},"sort":[13.539168,"3009972"]},{"_index":"complaint-public-v1","_id":"11868856","_score":13.421068,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Equifax has failed to conduct a reasonable investigation into my credit dispute and continues to ask for identity verification, despite already receiving the required documents. This violates my rights under the Fair Credit Reporting Act ( FCRA ). \n\nXXXX. Details of the Dispute On XX/XX/year>, I submitted a dispute to Equifax regarding an inaccurate/unverified debt on my credit report. \nAlong with my dispute, I included a copy of my government-issued ID, and a recent bank statement to verify my identity. \nDespite this, Equifax has repeatedly sent letters requesting the same verification documents, rather than investigating my dispute. \nThis is a deliberate delay tactic that prevents me from exercising my rights under the FCRA.\n\n3. FCRA Violations Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Equifax is required to investigate my dispute within 30 days but has instead delayed the process by repeatedly requesting documents they already have.\n\nFailure to Provide a Meaningful Response Instead of investigating, Equifax is sending form letters requesting verification already provided.\n\n4. Desired Resolution I request that the Consumer Financial Protection Bureau ( CFPB ) order Equifax to immediately process my dispute as required under the FCRA.\n\nIf Equifax can not verify the debt, they must remove it.\n\nIf Equifax claims they need further verification, they must provide a legitimate explanation rather than delaying my dispute with repetitive requests.\n\n5. Supporting Documents I have attached : A copy of my original dispute letter to Equifax Copies of the verification documents I already provided Equifaxs repeated requests for verification A copy of my credit report showing the disputed debt","date_sent_to_company":"2025-01-31T03:37:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46260","tags":null,"has_narrative":true,"complaint_id":"11868856","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-31T03:27:18.000Z","state":"IN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["FCRA Violations Failure to Conduct a Reasonable <em>Investigation</em> ( 15 U.S.C. 1681i ( a ) ) Equifax is required to <em>investigate</em> my dispute within 30 days but has instead delayed the process by <em>repeatedly</em> requesting documents they already <em>have</em>.\n\nFailure to Provide a Meaningful Response Instead of <em>investigating</em>, Equifax is sending form letters requesting verification already provided.\n\n4."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.421068,"11868856"]},{"_index":"complaint-public-v1","_id":"2359392","_score":13.37267,"_source":{"product":"Debt collection","complaint_what_happened":"National Credit Systems , Inc. continues to collect a debt that is not investigated. XXXX XXXX will not provide the following that I have repeatedly asked for : 1. Proof that they have posted a Texas Debt Collector Bond. 2. A copy of my original lease showing that I have a pet. 3. An acknowledgement signed by me at move in of damage costs to be assessed at move out. 4. A document signed by me showing damages at move out and the application of my {$400.00} deposit to the damages. XXXX XXXX at National credit systems Inc. refuses to provide these documents, all of which he says he has.","date_sent_to_company":"2017-02-24T22:28:57.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"2359392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2017-02-24T22:28:57.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["National Credit Systems , Inc. continues to collect a debt that is not <em>investigated</em>. XXXX XXXX will not provide the following that I <em>have</em> <em>repeatedly</em> <em>asked</em> for : 1. Proof that they <em>have</em> posted a Texas Debt Collector Bond. 2. A <em>copy</em> of my original lease showing that I <em>have</em> a pet. 3. An acknowledgement signed by me at move in of damage costs to be assessed at move out. 4. A document signed by me showing damages at move out and the application of my {$400.00} deposit to the damages."]},"sort":[13.37267,"2359392"]},{"_index":"complaint-public-v1","_id":"3131085","_score":13.263857,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have sent numerous ( 11 ) certified and Notarized letters to Equifax to correct errors found on my credit report but to no avail, the reply Ive gotten back is \" The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity ''. I have repeatedly requested the names, addresses and telephone numbers of individuals Equifax contacted during their investigation repeatedly advising any automated response or XXXX verification is unacceptable and again still no avail. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Repeatedly, I have asked Equifax with written notices requesting a correction on my report. Repeatedly, reporting incorrect information Equifax refuses to correct. I have sent copies of my identification to include Drivers License and SSNcard repeatedly. Again, failure to correct. After several ( 11 ) unsuccessful letters, I have experienced tremendous stress and anxiety as a result of multiple attempts to correct Equifaxs false reporting and failure to correct such errors which my identification has repeatedly been provided and the letters sent were Notarized. The entire experience and repeated attempts for correction have imposed upon my significant distrust, frustration, and distress, and has rendered me hopeless as to my ability to regain my good name and the credit rating that I deserve and has worked hard to earn. My requesting that Equifax delete specific items in my credit file that is blatantly inaccurate, by failing to conduct a reasonable investigation into my disputes in this regard, Equifax willfully and/or negligently violated the Fair Credit Reporting Act 611 ( a ) 15 U.S.C. 1681i ( a ) ( 1 ) with respect to each dispute lodge","date_sent_to_company":"2019-01-23T08:24:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30044","tags":null,"has_narrative":true,"complaint_id":"3131085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-01-23T03:15:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["During the <em>investigation</em> period, the items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. <em>Repeatedly</em>, I <em>have</em> <em>asked</em> Equifax with written notices requesting a correction on my report. <em>Repeatedly</em>, reporting incorrect information Equifax refuses to correct. I <em>have</em> sent <em>copies</em> of my identification to include Drivers License and SSNcard <em>repeatedly</em>. Again, failure to correct."],"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":[13.263857,"3131085"]},{"_index":"complaint-public-v1","_id":"2290359","_score":13.23991,"_source":{"product":"Credit reporting","complaint_what_happened":"I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with Equifax. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa XXXX XXXX in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to Equifax nor has Equifax requested the information, I called Equifax and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. She stated they verified this information through the Iowa Federal Court. I advised her that I contacted the Court House and was told that they stated that they do not supply information to credit reporting companies. She stated it was also verified through XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed a copy via certified mail to Equifax. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), and Equifax never marked my credit report as being disputed either.","date_sent_to_company":"2017-01-16T21:34:15.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"51501","tags":null,"has_narrative":true,"complaint_id":"2290359","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-01-16T21:34:14.000Z","state":"IA","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>repeatedly</em> disputed a chapter XXXX bankruptcy on my credit report with Equifax. Each time they <em>have</em> responded back that they verified the information. I <em>have</em> <em>repeatedly</em> <em>asked</em> for evidence to support their claim and their procedure on how the <em>investigated</em> it. They <em>have</em> failed to provide me with a <em>copy</em> of any viable evidence submitted by Iowa XXXX XXXX in XXXX XXXX, substantiating their claims."],"issue":["Credit reporting company's <em>investigation</em>"],"sub_issue":["No notice of <em>investigation</em> status/result"]},"sort":[13.23991,"2290359"]},{"_index":"complaint-public-v1","_id":"2291142","_score":13.206642,"_source":{"product":"Credit reporting","complaint_what_happened":"I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with Experian. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to Experian nor has Experian requested the information, I called Experian and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. He stated they verified this information through the Iowa Federal Court. I advised him that I contacted the Court House and was told that they stated that they do not supply information to credit reporting companies. He stated it was also verified through a 3rd party credit reporting company, XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed a copy via certified mail to Experian. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), and Experian never marked my credit report as being disputed either.","date_sent_to_company":"2017-01-16T21:43:52.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"51501","tags":null,"has_narrative":true,"complaint_id":"2291142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-01-16T21:43:51.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I <em>have</em> <em>repeatedly</em> disputed a chapter XXXX bankruptcy on my credit report with Experian. Each time they <em>have</em> responded back that they verified the information. I <em>have</em> <em>repeatedly</em> <em>asked</em> for evidence to support their claim and their procedure on how the <em>investigated</em> it. They <em>have</em> failed to provide me with a <em>copy</em> of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims."],"issue":["Credit reporting company's <em>investigation</em>"],"sub_issue":["No notice of <em>investigation</em> status/result"]},"sort":[13.206642,"2291142"]},{"_index":"complaint-public-v1","_id":"7619965","_score":13.120869,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly sent Transunion proof that these accounts are fraudulent and should not be reported on my consumer report. Transunion has continued to violate my consumer rights. I have sent in the proper documentation required that was asked and Transunion has failed to delete the accounts. Transunion is willfully failing to comply with federal law. These accounts have been deleted from my other consumer reports such as XXXX and XXXX. I will include proof below. According to the FCRA, Transunion is required to delete them as well. I have sent an FTC Identity theft report to Transunion proving the accounts are fraudulent which was also asked for. According to the FCRA, Transunion is required to delete those items while an investigation goes forth. Transunion has not done this. This has caused emotional distress and damage and also has caused damage to my reputation. I am asking Transunion to provide a copy of my consumer report showing the items deleted during the 30 day investigation and also proving they are complying with the FCRA. I am also asking Transunion to provide the name and direct contact information of the persons they will interview to verify the information the information on my consumer report they have refused to delete.","date_sent_to_company":"2023-10-02T21:35:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"662XX","tags":null,"has_narrative":true,"complaint_id":"7619965","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-02T21:25:53.000Z","state":"KS","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 am <em>asking</em> Transunion to provide a <em>copy</em> of my consumer report showing the items deleted during the 30 day <em>investigation</em> and also proving they are complying with the FCRA. I am also <em>asking</em> Transunion to provide the name and direct contact information of the persons they will interview to verify the information the information on my consumer report they <em>have</em> refused to delete."]},"sort":[13.120869,"7619965"]},{"_index":"complaint-public-v1","_id":"3811065","_score":13.031431,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The company is reporting inaccurate information to Equifax and XXXX credit bureaus. The date of last activity is different on both reports. The date of last payment is different on both reports. The date of last payment is different on both reports. But when i dispute the item the company continues to say that it is accurate. How is it accurate with both credit reporting agencies when it is different on both.I have repeatedly asked XXXX and Equifax to investigate the reporting. I sent them copies of my credit report showing them that the reporting is different. So how can it be accurate but they continue to respond that the creditor verified that the information is accurate. I repeatedly contacted the creditor acceptance now asking them to validate the account. I asked the to send me a copy of the contract with my signature stating that I've agreed to pay them, along with the terms and balance. They have not responded to either letter i wrote them all sent by certified mail and return receipt that was signed by someone at the company. I am really discouraged by this. I am paying XXXX, XXXX XXXX dollars for a car that only cost XXXX, XXXX because of these companies negligence. I was just turned down for a mortgage because their negligence. The dates that i contacted acceptance now are included with the certified mail receipt and return receipts. I did not include them all because there are so many but what i have included should be enough. XX/XX/2020. XX/XX/2020. XX/XX/2020. XX/XX/2020. These are the recent contacts but i have some dated all the way back. I thank you for your help. Certified mail receipts and return receipts uploaded for proof and response letters from the Credit Bureaus themselves.","date_sent_to_company":"2020-08-24T08:44:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60419","tags":null,"has_narrative":true,"complaint_id":"3811065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-08-24T08:44:35.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["How is it accurate with both credit reporting agencies when it is different on both.I <em>have</em> <em>repeatedly</em> <em>asked</em> XXXX and Equifax to <em>investigate</em> the reporting. I sent them <em>copies</em> of my credit report showing them that the reporting is different. So how can it be accurate but they continue to respond that the creditor verified that the information is accurate. I <em>repeatedly</em> contacted the creditor acceptance now <em>asking</em> them to validate the account."]},"sort":[13.031431,"3811065"]},{"_index":"complaint-public-v1","_id":"3811069","_score":13.028128,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The company is reporting inaccurate information to XXXX and Experian credit bureaus. The date of last activity is different on both reports. The date of last payment is different on both reports. The date of last payment is different on both reports. But when i dispute the item the company continues to say that it is accurate. How is it accurate with both credit reporting agencies when it is different on both.I have repeatedly asked Experian and XXXX to investigate the reporting. I sent them copies of my credit report showing them that the reporting is different. So how can it be accurate but they continue to respond that the creditor verified that the information is accurate. I repeatedly contacted the creditor acceptance now asking them to validate the account. I asked the to send me a copy of the contract with my signature stating that I've agreed to pay them, along with the terms and balance. They have not responded to either letter i wrote them all sent by certified mail and return receipt that was signed by someone at the company. I am really discouraged by this. I am paying XXXX, XXXX XXXX dollars for a car that only cost XXXX, XXXX because of these companies negligence. I was just turned down for a mortgage because their negligence. The dates that i contacted acceptance now are included with the certified mail receipt and return receipts. I did not include them all because there are so many but what i have included should be enough. XX/XX/2020. XX/XX/2020. XX/XX/2020. XX/XX/2020. These are the recent contacts but i have some dated all the way back. I thank you for your help. Certified mail receipts and return receipts uploaded for proof and response letters from the Credit Bureaus themselves.","date_sent_to_company":"2020-08-24T08:44:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60419","tags":null,"has_narrative":true,"complaint_id":"3811069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-24T08:44:35.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["How is it accurate with both credit reporting agencies when it is different on both.I <em>have</em> <em>repeatedly</em> <em>asked</em> Experian and XXXX to <em>investigate</em> the reporting. I sent them <em>copies</em> of my credit report showing them that the reporting is different. So how can it be accurate but they continue to respond that the creditor verified that the information is accurate. I <em>repeatedly</em> contacted the creditor acceptance now <em>asking</em> them to validate the account."]},"sort":[13.028128,"3811069"]},{"_index":"complaint-public-v1","_id":"8717765","_score":13.0244875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This account was opened on the following date : XX/XX/year> and it showing inconsist and inaccurately on all XXXX bureaus. this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.Experian failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights.I am demading a deletion of the following account Name : XXXX XXXX XXXX Account # XXXX i enclosed a copy of my most recent credit report with proof of the inconsistancies on all XXXX credit bureaus XXXX, XXXX and Experian","date_sent_to_company":"2024-04-08T03:36:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10457","tags":null,"has_narrative":true,"complaint_id":"8717765","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-08T03:25:03.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This account was opened on the following date : XX/XX/year> and it showing inconsist and inaccurately on all XXXX bureaus. this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.Experian failed to <em>investigate</em> this account properly after I <em>repeatedly</em> <em>asked</em> to <em>have</em> the account updated your neglect has once again violated my consumer rights.I am demading a deletion of the following account Name : XXXX XXXX XXXX Account # XXXX i enclosed a <em>copy</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 your report"]},"sort":[13.0244875,"8717765"]},{"_index":"complaint-public-v1","_id":"9282633","_score":12.992493,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX The Date Opened for this account on Transunion is XX/XX/year>. The Date Opened for this account on XXXX is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. \n\nTransunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following. \n\nAccount Name : XXXX XXXX Account Number : XXXX","date_sent_to_company":"2024-06-18T00:48:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76543","tags":"Servicemember","has_narrative":true,"complaint_id":"9282633","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-18T00:35:35.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Transunion, XXXX and XXXX failed to <em>investigate</em> this account properly after I <em>repeatedly</em> <em>asked</em> via written request to <em>have</em> the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following. \n\nAccount Name : XXXX XXXX Account Number : XXXX"]},"sort":[12.992493,"9282633"]},{"_index":"complaint-public-v1","_id":"9282628","_score":12.992493,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Date Opened for this account on Transunion is XX/XX/year>. The Date Opened for this account on XXXX is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. \n\nTransunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX","date_sent_to_company":"2024-06-18T00:59:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76543","tags":"Servicemember","has_narrative":true,"complaint_id":"9282628","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-18T00:50:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Transunion, XXXX and XXXX failed to <em>investigate</em> this account properly after I <em>repeatedly</em> <em>asked</em> via written request to <em>have</em> the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX"]},"sort":[12.992493,"9282628"]},{"_index":"complaint-public-v1","_id":"9282521","_score":12.992493,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Payment Status for this account on Transunion and XXXX XXXX listed as CURRENT. \nThe Payment Status for this account on XXXX is listed as LATE 90 DAYS. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. \n\nTransunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX","date_sent_to_company":"2024-06-18T01:09:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76543","tags":"Servicemember","has_narrative":true,"complaint_id":"9282521","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-18T01:00:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Transunion, XXXX and XXXX failed to <em>investigate</em> this account properly after I <em>repeatedly</em> <em>asked</em> via written request to <em>have</em> the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX"]},"sort":[12.992493,"9282521"]},{"_index":"complaint-public-v1","_id":"5308538","_score":12.989,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have filed 5 years of multiple complaints that Experian supplied my credit report to XXXX XXXX XXXX XXXX ( XXXX ) without my permissible permission on XX/XX/2017. I have repeatedly asked for copy of this permission to prove COAF did not have my permission. Who is protecting my private information because Experian is not? Their response on latest complaint reflected \" In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information ''. XXXX did not, Experian doesn't investigate other than asking the lying COAF if they had permission and they claim to be reporting correctly. AND BOTH COMPANIES REFUSE TO SEND THE VALID PERMISSIBLE PERMISSION THAT GAVE XXXX THE RIGHT TO RECEIVE MY PERSONAL INFORMATION AND FOR EXPERIAN TO GIVE OUT MY PERMISSIBLE PERMISSION. And Experian doesn't investigate nor is Experian protecting my personal information. I am a squeaky wheel until I am heard in Washington.","date_sent_to_company":"2022-03-10T21:37:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77494","tags":"Older American","has_narrative":true,"complaint_id":"5308538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-10T21:18:44.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>have</em> filed 5 years of multiple complaints that Experian supplied my credit report to XXXX XXXX XXXX XXXX ( XXXX ) without my permissible permission on XX/XX/2017. I <em>have</em> <em>repeatedly</em> <em>asked</em> for <em>copy</em> of this permission to prove COAF did not <em>have</em> my permission. Who is protecting my private information because Experian is not?"]},"sort":[12.989,"5308538"]},{"_index":"complaint-public-v1","_id":"5454702","_score":12.972719,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern : I have written several asked for evidence supporting the inaccurate entry being reported by XXXX for XXXX XXXX. \n\nI have repeatedly asked for evidence to support the inaccurate reporting, but yet, again, they have failed to provide me a with a a copy of ANY viable evidence submitted by XXXX XXXX substantiating their claims. Furthermore, I have requested the method of verification, to which there was no compliance, which is a an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). \n\nI have maintained careful record of my communication with XXXX per XXXX v. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. 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