{"took":359,"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":"10519985","_score":16.993294,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax Information Services LLC due to their continued reporting of inaccurate and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to correct these issues, Equifax has failed to take the necessary steps to resolve them. I request your assistance in ensuring compliance with the FCRA. \n\nBelow are the items I am disputing : Personal Information to Remove : Incorrect name : XXXX XXXX This is not my legal name, and I request its removal from my credit report. \n\nAccounts Reporting Inaccurate or Incomplete Information : XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. Under the FCRA, I request an investigation, and if the account can not be fully verified, it should be removed. \n\nXXXX XXXX  XXXX Account # XXXX The information related to this account is inaccurate. Please investigate, and if the account can not be verified, remove it as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account XXXX XXXX This account is reporting incomplete and inaccurate information. Under the FCRA, I request that it be investigated, and if not verifiable, it must be removed. \n\nXXXX XXXX XXXX Account # XXXX The details on this account are incorrect. Please investigate, and if the account can not be verified, it should be removed in compliance with the FCRA. \n\nXXXX XXXX  XXXX XXXX Account XXXX XXXX The information on this account is incomplete and inaccurate. Please investigate, and if it can not be verified, I request its removal. \n\nXXXX XXXX Account # XXXX This account contains inaccurate and incomplete details. Under the FCRA, I request an investigation, and if the account can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX XXXX, XXXX Account # XXXX The information on this account is inaccurate and incomplete. Please investigate, and if the account can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX Account # XXXX The account is reporting incomplete and inaccurate information. If the details can not be verified, I request that it be removed under the FCRA. \n\nXXXX XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. If the information can not be verified, it must be removed. \n\nXXXX XXXX XXXX Account # XXXX This account is incomplete and inaccurate. Under the FCRA, I request an investigation, and if the information can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX Account # XXXX The information on this account is incomplete and inaccurate. If the details can not be verified, I request that it be removed as per the FCRA. \n\nXXXX XXXX XXXX Account # XXXX The account contains inaccurate and incomplete information. Please investigate, and if the account can not be verified, remove it under the FCRA. \n\nXXXX XXXX XXXX Account # XXXX The details on this account are inaccurate. If the information can not be verified, I request that it be removed from my credit report.","date_sent_to_company":"2024-10-21T19:20:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33166","tags":"Servicemember","has_narrative":true,"complaint_id":"10519985","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-21T19:05:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please <em>investigate</em>, and if the account can not be <em>verified</em>, it <em>should</em> be removed in compliance with the FCRA. \n\nXXXX XXXX  XXXX XXXX Account XXXX XXXX The <em>information</em> on this account is incomplete and inaccurate. Please <em>investigate</em>, and if it can not be <em>verified</em>, I request its removal. \n\nXXXX XXXX Account # XXXX This account contains inaccurate and incomplete details. Under the FCRA, I request an <em>investigation</em>, and if the account can not be <em>fully</em> <em>verified</em>, it <em>should</em> be removed."],"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":[16.993294,"10519985"]},{"_index":"complaint-public-v1","_id":"10524432","_score":16.344732,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion due to their continued reporting of inaccurate and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to correct these issues, TransUnion has failed to take the necessary steps to resolve them. I request your assistance in ensuring compliance with the FCRA. \n\nBelow are the items I am disputing : Personal Information to Remove : Incorrect name : XXXX XXXX This is not my legal name, and I request its removal from my credit report. \n\nAccounts Reporting Inaccurate or Incomplete Information : XXXX  XXXX XXXX Account # XXXX The details of this account are inaccurate and incomplete. I request a thorough investigation, and under the FCRA, if the account can not be fully verified for accuracy, it must be removed. \n\nXXXX XXXXXXXX Account # XXXX This account is not being reported correctly and is incomplete. TransUnion must verify the accuracy of this account or remove it as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX The information associated with this account is inaccurate and incomplete. I request that TransUnion investigate, and if it can not be verified, the account should be removed under the FCRA. \n\nXXXX XXXX XXXX XXXX Account XXXX XXXX This account has inaccuracies, and I am requesting a formal investigation. If the account can not be fully verified, it must be removed from my credit report as required by the FCRA. \n\nXXXX XXXX  Account # XXXX The information on this account is incomplete and inaccurate. Per the FCRA, I request that TransUnion investigate and remove it if it can not be verified. \n\nXXXX XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. Under the FCRA, it should be investigated and removed if it can not be fully verified. \n\nXXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX I believe this account is inaccurately reported. TransUnion must verify its details or remove it if incomplete, as required by the FCRA. \n\nXXXXXXXX XXXX XXXXXXXX Account # XXXX The account information is incomplete and inaccurate. Per the FCRA, I request that it be verified, and if not, removed from my report. \n\nXXXX XXXX XXXX Account # XXXX This account contains inaccurate information and should be investigated. If the account can not be verified for accuracy, it must be removed in accordance with the FCRA. \n\nXXXX XXXX XXXXXXXX Account # XXXX This account is reported inaccurately and is incomplete. Under the FCRA, I request a full investigation and removal if the account can not be verified. \n\nXXXX XXXX XXXX Account # XXXX The account contains inaccurate and incomplete information. Please investigate, and if it can not be verified, it should be removed as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX This account is inaccurately reported, and I request an investigation. If verification is not possible, the account must be removed as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX This account has inaccurate and incomplete information. It must be removed if it can not be fully verified, per the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX This account is inaccurately reported, and I request a full investigation. If the information is incomplete or inaccurate and can not be verified, it should be removed from my credit report per the FCRA.","date_sent_to_company":"2024-10-21T19:55:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33166","tags":"Servicemember","has_narrative":true,"complaint_id":"10524432","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-21T19:41:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If the account can not be <em>fully</em> <em>verified</em>, it must be removed from my credit report as required by the FCRA. \n\nXXXX XXXX  Account # XXXX The <em>information</em> on this account is incomplete and inaccurate. Per the FCRA, I request that TransUnion <em>investigate</em> and remove it if it can not be <em>verified</em>. \n\nXXXX XXXX XXXX Account # XXXX This account contains inaccurate and incomplete <em>information</em>. Under the FCRA, it <em>should</em> be <em>investigated</em> and removed if it can not be <em>fully</em> <em>verified</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":[16.344732,"10524432"]},{"_index":"complaint-public-v1","_id":"16346494","_score":15.738836,"_source":{"product":"Credit card","complaint_what_happened":"Late payment entries on my credit report appear to be inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should remain on file. I request that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.","date_sent_to_company":"2025-10-03T20:18:52.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"37013","tags":null,"has_narrative":true,"complaint_id":"16346494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-03T20:13:05.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable <em>information</em> <em>should</em> remain on file. I request that these entries be <em>investigated</em>, and if they can not be <em>fully</em> <em>verified</em>, they <em>should</em> be corrected or deleted."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[15.738836,"16346494"]},{"_index":"complaint-public-v1","_id":"16345398","_score":15.738836,"_source":{"product":"Credit card","complaint_what_happened":"Late payment entries on my credit report appear to be inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should remain on file. I request that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.","date_sent_to_company":"2025-10-03T20:20:48.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"37013","tags":null,"has_narrative":true,"complaint_id":"16345398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-03T20:11:14.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable <em>information</em> <em>should</em> remain on file. I request that these entries be <em>investigated</em>, and if they can not be <em>fully</em> <em>verified</em>, they <em>should</em> be corrected or deleted."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[15.738836,"16345398"]},{"_index":"complaint-public-v1","_id":"16345652","_score":15.699314,"_source":{"product":"Credit card","complaint_what_happened":"Late payment entries on my credit report appear to be inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should remain on file. I request that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.","date_sent_to_company":"2025-10-03T22:01:48.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"37013","tags":null,"has_narrative":true,"complaint_id":"16345652","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-03T20:07:01.000Z","state":"TN","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable <em>information</em> <em>should</em> remain on file. I request that these entries be <em>investigated</em>, and if they can not be <em>fully</em> <em>verified</em>, they <em>should</em> be corrected or deleted."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[15.699314,"16345652"]},{"_index":"complaint-public-v1","_id":"16622655","_score":15.652783,"_source":{"product":"Credit card","complaint_what_happened":"My credit report includes late payment entries that I believe are inaccurate. In line with 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should be reported. I request that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.","date_sent_to_company":"2025-10-16T21:50:30.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"23234","tags":null,"has_narrative":true,"complaint_id":"16622655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-16T21:48:06.000Z","state":"VA","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":["In line with 15 USC 1681e ( b ) and 15 USC 1681i, only <em>information</em> that is accurate, complete, and verifiable <em>should</em> be reported. I request that these entries be <em>investigated</em>, and if they can not be <em>fully</em> <em>verified</em>, they <em>should</em> be corrected or deleted."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[15.652783,"16622655"]},{"_index":"complaint-public-v1","_id":"16640487","_score":15.636255,"_source":{"product":"Credit card","complaint_what_happened":"My credit report includes late payment entries that I believe are inaccurate. In line with 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should be reported. I request that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.","date_sent_to_company":"2025-10-16T21:48:07.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"23234","tags":null,"has_narrative":true,"complaint_id":"16640487","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-16T21:43:39.000Z","state":"VA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In line with 15 USC 1681e ( b ) and 15 USC 1681i, only <em>information</em> that is accurate, complete, and verifiable <em>should</em> be reported. I request that these entries be <em>investigated</em>, and if they can not be <em>fully</em> <em>verified</em>, they <em>should</em> be corrected or deleted."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[15.636255,"16640487"]},{"_index":"complaint-public-v1","_id":"1392984","_score":15.111317,"_source":{"product":"Credit reporting","complaint_what_happened":"I have disputed this banruptcy XXXX times as a dismissed bankruptcy, and equifax keeps stating they have verified it as a discharged backruptcy which is inaccurate, and only this credit bureau shows it as a discharged bankruptcy which means they are not verifying this information as they should with the courthouse or whatever method is being used.This bankruptcy was never fully completed, it was only filed and never discharge, it was dismissed.So this record has been inaccurate and i do not believe equifax is actually verifying this information, this will be easy to prove.There should be no reason for other reporting agency to obtain the accurate information while equifax cant? This info continues to be reported incorrectly and now should be removed because of the failure to properly report it, since it has been proven that no investigations actually have been taking place, as required.This item should be deleted immediately on that basis, otherwise report that the Fair Credit Report Act is being disregarded.","date_sent_to_company":"2015-05-29T17:58:20.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"27577","tags":null,"has_narrative":true,"complaint_id":"1392984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2015-05-27T13:42:18.000Z","state":"NC","company_public_response":null,"sub_issue":"Public record"},"highlight":{"complaint_what_happened":["equifax is actually <em>verifying</em> this <em>information</em>, this will be easy to prove.There <em>should</em> be no reason for other reporting agency to obtain the accurate <em>information</em> while equifax cant?"],"issue":["Incorrect <em>information</em> on credit report"]},"sort":[15.111317,"1392984"]},{"_index":"complaint-public-v1","_id":"16532322","_score":15.052998,"_source":{"product":"Credit card","complaint_what_happened":"There are late payment entries on my credit report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should be included. I request that these entries be investigated, and if they can not be fully verified, they must be updated or deleted accordingly.","date_sent_to_company":"2025-10-14T00:50:39.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"29316","tags":null,"has_narrative":true,"complaint_id":"16532322","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-14T00:46:29.000Z","state":"SC","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable <em>information</em> <em>should</em> be included. I request that these entries be <em>investigated</em>, and if they can not be <em>fully</em> <em>verified</em>, they must be updated or deleted accordingly."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[15.052998,"16532322"]},{"_index":"complaint-public-v1","_id":"16532675","_score":15.020793,"_source":{"product":"Credit card","complaint_what_happened":"There are late payment entries on my credit report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should be included. I request that these entries be investigated, and if they can not be fully verified, they must be updated or deleted accordingly.","date_sent_to_company":"2025-10-14T00:52:39.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"29316","tags":null,"has_narrative":true,"complaint_id":"16532675","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-14T00:50:39.000Z","state":"SC","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":["As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable <em>information</em> <em>should</em> be included. I request that these entries be <em>investigated</em>, and if they can not be <em>fully</em> <em>verified</em>, they must be updated or deleted accordingly."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[15.020793,"16532675"]},{"_index":"complaint-public-v1","_id":"16542522","_score":14.995932,"_source":{"product":"Credit card","complaint_what_happened":"I have noticed late payment entries on my credit report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, all information must be accurate, complete, and verifiable. I am requesting that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.","date_sent_to_company":"2025-10-13T18:00:09.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"254XX","tags":null,"has_narrative":true,"complaint_id":"16542522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-13T17:54:15.000Z","state":"WV","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, all <em>information</em> must be accurate, complete, and verifiable. I am requesting that these entries be <em>investigated</em>, and if they can not be <em>fully</em> <em>verified</em>, they <em>should</em> be corrected or deleted."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[14.995932,"16542522"]},{"_index":"complaint-public-v1","_id":"16543002","_score":14.955736,"_source":{"product":"Credit card","complaint_what_happened":"I have noticed late payment entries on my credit report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, all information must be accurate, complete, and verifiable. I am requesting that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.","date_sent_to_company":"2025-10-13T18:04:28.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"254XX","tags":null,"has_narrative":true,"complaint_id":"16543002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-13T18:00:42.000Z","state":"WV","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":["As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, all <em>information</em> must be accurate, complete, and verifiable. I am requesting that these entries be <em>investigated</em>, and if they can not be <em>fully</em> <em>verified</em>, they <em>should</em> be corrected or deleted."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[14.955736,"16543002"]},{"_index":"complaint-public-v1","_id":"16384641","_score":14.843399,"_source":{"product":"Credit card","complaint_what_happened":"There are late payment records on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must only include information that is accurate, complete, and verifiable. I am formally requesting that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.","date_sent_to_company":"2025-10-06T19:54:34.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"22630","tags":null,"has_narrative":true,"complaint_id":"16384641","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-06T19:51:46.000Z","state":"VA","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":["According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must only include <em>information</em> that is accurate, complete, and verifiable. I am formally requesting that these entries be <em>investigated</em>, and if they can not be <em>fully</em> <em>verified</em>, they <em>should</em> be corrected or deleted."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[14.843399,"16384641"]},{"_index":"complaint-public-v1","_id":"16386039","_score":14.843247,"_source":{"product":"Credit card","complaint_what_happened":"There are late payment records on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must only include information that is accurate, complete, and verifiable. I am formally requesting that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.","date_sent_to_company":"2025-10-06T19:51:48.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"22630","tags":null,"has_narrative":true,"complaint_id":"16386039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-06T19:41:02.000Z","state":"VA","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":["According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must only include <em>information</em> that is accurate, complete, and verifiable. I am formally requesting that these entries be <em>investigated</em>, and if they can not be <em>fully</em> <em>verified</em>, they <em>should</em> be corrected or deleted."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[14.843247,"16386039"]},{"_index":"complaint-public-v1","_id":"16385903","_score":14.837173,"_source":{"product":"Credit card","complaint_what_happened":"There are late payment records on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must only include information that is accurate, complete, and verifiable. I am formally requesting that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.","date_sent_to_company":"2025-10-06T19:38:08.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"22630","tags":null,"has_narrative":true,"complaint_id":"16385903","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-06T19:25:30.000Z","state":"VA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must only include <em>information</em> that is accurate, complete, and verifiable. I am formally requesting that these entries be <em>investigated</em>, and if they can not be <em>fully</em> <em>verified</em>, they <em>should</em> be corrected or deleted."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[14.837173,"16385903"]},{"_index":"complaint-public-v1","_id":"14954991","_score":14.582371,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX seeing an account on my credit report under the name XXXX XXXXhat I do not recognize. I attempted to find out what company this account is connected to, but have not received clear information or verification.\n\nUnder FCRA 611 and 623 ( b ), this item should have been verified for accuracy, and I have not received any proof of that. I am requesting that this tradeline be investigated and deleted from my credit reports if it can not be fully verified.\n\nThe company reporting this information has failed to follow proper credit reporting procedures, and it is affecting my credit standing.","date_sent_to_company":"2025-07-29T16:26:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35124","tags":null,"has_narrative":true,"complaint_id":"14954991","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-29T16:26:12.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I attempted to find out what company this account is connected to, but have not received clear <em>information</em> or <em>verification</em>.\n\nUnder FCRA 611 and 623 ( b ), this item <em>should</em> have been <em>verified</em> for accuracy, and I have not received any proof of that. I am requesting that this tradeline be <em>investigated</em> and deleted from my credit reports if it can not be <em>fully</em> <em>verified</em>."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[14.582371,"14954991"]},{"_index":"complaint-public-v1","_id":"10524741","_score":14.580355,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Experian for maintaining inaccurate and incomplete information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite attempts to correct these errors, Experian has failed to address the issues, and I am requesting your assistance in ensuring compliance with the FCRA. \n\nBelow are the items I am disputing : Personal Information to Remove : Incorrect name : XXXX XXXX Name ID # XXXX This is not my legal name, and I request its removal from my credit report. \n\nInaccurate Addresses to Remove : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL XXXX XXXX ID # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Address ID XXXX XXXX These addresses are incorrect and unrelated to my credit history. I request that they be removed. \n\nAccounts Reporting Inaccurate or Incomplete Information : Absolute Resolutions Investments Account # XXXX The information related to this account is incomplete and inaccurate. Under the FCRA, I request that Experian investigate and remove the account if it can not be fully verified. \n\nXXXX XXXX XXXX Account XXXX XXXX XXXX details of this account are incorrect. Please investigate and remove the account if the information is not verifiable, in compliance with the FCRA. \n\nXXXX XXXX XXXXXXXX Account XXXX XXXX The account is reporting inaccurate and incomplete information. If the account can not be verified as accurate, I request that it be removed, as required by the FCRA. \n\nXXXX XXXX XXXXXXXX Account # XXXX This account is reported inaccurately. Please investigate and remove the account if it can not be fully verified. \n\nXXXX  XXXX Account # XXXX The information on this account is incomplete and incorrect. Under the FCRA, I request that it be investigated and removed if not verifiable. \n\nXXXX XXXX XXXX Account # XXXX This account is reported inaccurately. If the information can not be verified, I request its removal in accordance with the FCRA. \n\nXXXX XXXX  Account # XXXX The details of this account are incomplete and inaccurate. Please investigate, and if it can not be verified, it must be removed from my credit report under the FCRA. \n\nXXXX XXXX Account # XXXX This account is reported inaccurately and should be investigated. If the information can not be verified, I request its removal in accordance with the FCRA. \n\nXXXX XXXX Account # XXXX This account is reporting incomplete and inaccurate information. Please investigate and remove it if it can not be verified. \n\nXXXX XXXX XXXX Account # XXXX The information associated with this account is inaccurate. If the details can not be verified, I request that it be removed under the FCRA. \n\nXXXX XXXX XXXX Account # XXXX This account is reporting incomplete and inaccurate information. Please investigate and remove it if it can not be verified. \n\nXXXX XXXX XXXX Account # XXXX The details on this account are incorrect. Please investigate and remove the account if it can not be fully verified. \n\nXXXX XXXX Account # XXXX This account is inaccurate and incomplete. Please investigate, and if the information can not be verified, remove the account under the FCRA. \n\nXXXX XXXX XXXX XXXX  Account # XXXX The information on this account is inaccurate. Please investigate and remove the account if it can not be verified. \n\nXXXX XXXX XXXXXXXX Account # XXXX This account is reported inaccurately and should be investigated. If it can not be verified, it must be removed as required by the FCRA. \n\nXXXX XXXX XXXX Account # XXXX This account is incomplete and inaccurate. I request a full investigation, and if it can not be verified, it must be removed per the FCRA.","date_sent_to_company":"2024-10-21T19:39:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33166","tags":"Servicemember","has_narrative":true,"complaint_id":"10524741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-21T19:23:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please <em>investigate</em>, and if the <em>information</em> can not be <em>verified</em>, remove the account under the FCRA. \n\nXXXX XXXX XXXX XXXX  Account # XXXX The <em>information</em> on this account is inaccurate. Please <em>investigate</em> and remove the account if it can not be <em>verified</em>. \n\nXXXX XXXX XXXXXXXX Account # XXXX This account is reported inaccurately and <em>should</em> be <em>investigated</em>. If it can not be <em>verified</em>, it must be removed as required by the FCRA."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.580355,"10524741"]},{"_index":"complaint-public-v1","_id":"14953307","_score":14.543003,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im seeing an account on my credit report under the name WFNBA that I do not recognize. I attempted to find out what company this account is connected to, but have not received clear information or verification.\n\nUnder FCRA 611 and 623 ( b ), this item should have been verified for accuracy, and I have not received any proof of that. I am requesting that this tradeline be investigated and deleted from my credit reports if it can not be fully verified.\n\nThe company reporting this information has failed to follow proper credit reporting procedures, and it is affecting my credit standing.","date_sent_to_company":"2025-08-06T18:33:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35124","tags":null,"has_narrative":true,"complaint_id":"14953307","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-07-29T16:17:34.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I attempted to find out what company this account is connected to, but have not received clear <em>information</em> or <em>verification</em>.\n\nUnder FCRA 611 and 623 ( b ), this item <em>should</em> have been <em>verified</em> for accuracy, and I have not received any proof of that. I am requesting that this tradeline be <em>investigated</em> and deleted from my credit reports if it can not be <em>fully</em> <em>verified</em>."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[14.543003,"14953307"]},{"_index":"complaint-public-v1","_id":"21577879","_score":14.515905,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to raise a concern regarding a charge-off account reported on my credit report that appears to be inaccurate or unverifiable. I have not been provided with sufficient documentation to confirm the validity, balance, or reporting of this account. \nDespite my previous efforts to obtain verification, the account continues to be reported. This is negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation. Any information that can not be fully verified as accurate and complete should be removed.","date_sent_to_company":"2026-04-24T19:27:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"935XX","tags":null,"has_narrative":true,"complaint_id":"21577879","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-04-24T19:24:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Despite my previous efforts to obtain <em>verification</em>, the account continues to be reported. This is negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough <em>investigation</em>. Any <em>information</em> that can not be <em>fully</em> <em>verified</em> as accurate and complete <em>should</em> be removed."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[14.515905,"21577879"]},{"_index":"complaint-public-v1","_id":"16898258","_score":14.4640875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute certain items listed on my credit report, which I believe are inaccurate and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611.\n\nAfter reviewing my records, I believe that the information reported is inaccurate and/or unverifiable. I respectfully request that your office investigate and verify the accuracy of these accounts. If the information can not be fully verified, I request that the accounts be deleted from my credit report immediately as required by law. \n\nPlease provide me with written confirmation of the results of your investigation and the updated status of my credit file. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-10-29T17:51:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60438","tags":null,"has_narrative":true,"complaint_id":"16898258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-29T17:47:24.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["If the <em>information</em> can not be <em>fully</em> <em>verified</em>, I request that the accounts be deleted from my credit report immediately as required by law. \n\nPlease provide me with written confirmation of the results of your <em>investigation</em> and the updated status of my credit file. \n\nThank you for your prompt attention to this matter."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[14.4640875,"16898258"]},{"_index":"complaint-public-v1","_id":"21091404","_score":14.405714,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint to dispute inaccurate and unverified information being reported on my credit file. \nThe account listed as Capital one, account number XXXX, is currently being reported on my credit report. I formally dispute the accuracy and completeness of this account. \nUnder the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), all information reported to consumer reporting agencies must be accurate, complete, and fully verifiable. At this time, this account has not been properly verified and therefore should not continue to be reported. \nI request that the company provide full documentation verifying the validity of this account, including but not limited to : The original signed agreement or contract bearing my signature Complete account history and itemized statement of charges Proof that the reporting company has the legal authority to collect or report this debt Documentation showing how the reported balance was calculated If the company can not provide sufficient documentation verifying the accuracy and ownership of this account, I request that the account be immediately removed from all credit reporting agencies. \nFailure to ensure accurate reporting may constitute non-compliance with the Fair Credit Reporting Act. I request that this matter be investigated promptly and corrected or deleted if the information can not be fully verified. \nPlease provide written confirmation of the results of this investigation.","date_sent_to_company":"2026-04-09T15:09:59.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"70737","tags":null,"has_narrative":true,"complaint_id":"21091404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-09T14:45:39.000Z","state":"LA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I request that this matter be <em>investigated</em> promptly and corrected or deleted if the <em>information</em> can not be <em>fully</em> <em>verified</em>. \nPlease provide written confirmation of the results of this <em>investigation</em>."]},"sort":[14.405714,"21091404"]},{"_index":"complaint-public-v1","_id":"21092215","_score":14.378911,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint to dispute inaccurate and unverified information being reported on my credit file. \nThe account listed as Navy federal Credit Union, account number XXXX, is currently being reported on my credit report. I formally dispute the accuracy and completeness of this account. \nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported to consumer reporting agencies must be accurate, complete, and fully verifiable. At this time, this account has not been properly verified and therefore should not continue to be reported. \nI request that the company provide full documentation verifying the validity of this account, including but not limited to : The original signed agreement or contract bearing my signature Complete account history and itemized statement of charges Proof that the reporting company has the legal authority to collect or report this debt Documentation showing how the reported balance was calculated If the company can not provide sufficient documentation verifying the accuracy and ownership of this account, I request that the account be immediately removed from all credit reporting agencies. \nFailure to ensure accurate reporting may constitute non-compliance with the Fair Credit Reporting Act. I request that this matter be investigated promptly and corrected or deleted if the information can not be fully verified. \nPlease provide written confirmation of the results of this investigation.","date_sent_to_company":"2026-04-09T15:27:40.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"70737","tags":null,"has_narrative":true,"complaint_id":"21092215","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-04-09T15:10:27.000Z","state":"LA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I request that this matter be <em>investigated</em> promptly and corrected or deleted if the <em>information</em> can not be <em>fully</em> <em>verified</em>. \nPlease provide written confirmation of the results of this <em>investigation</em>."]},"sort":[14.378911,"21092215"]},{"_index":"complaint-public-v1","_id":"2479829","_score":14.375291,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On   XXXX   XXXX   XXXX     I submitted a dispute to   XXXX    regarding  XXXX  financial on my credit report. I asked for all the information regarding the account be verified. On   XXXX   XXXX   XXXX   the investigation was completed and it came back verified. It is my belief that  XXXX  did not complete a investigation because EVERYTHING on the account is reporting inaccurately. The high balance is incorrect, the balance is incorrect, and the date of last payment is incorrect. I am fully aware of my rights and if the credit bureaus fail to investigate and update with accurate information according to the FCRA then this account must be removed.  XXXX  is supplying the credit bureaus with outdated, inaccurate information and the accounts should be deleted from my credit reports. You will find a copy of my   XXXX   dispute regarding this account. I have also supplied you with the latest information reporting from Equifax so that you  may  compare the inaccuracies.","date_sent_to_company":"2017-05-16T17:54:28.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"298XX","tags":null,"has_narrative":true,"complaint_id":"2479829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-05-09T17:34:31.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>fully</em> aware of my rights and if the credit bureaus fail to <em>investigate</em> and update with accurate <em>information</em> according to the FCRA then this account must be removed.  XXXX  is supplying the credit bureaus with outdated, inaccurate <em>information</em> and the accounts <em>should</em> be deleted from my credit reports. You will find a copy of my   XXXX   dispute regarding this account. I have also supplied you with the latest <em>information</em> reporting from Equifax so that you  may  compare the inaccuracies."],"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":[14.375291,"2479829"]},{"_index":"complaint-public-v1","_id":"21092829","_score":14.365605,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint to dispute inaccurate and unverified information being reported on my credit file. \nThe account listed as Wells Fargo, account number XXXX, is currently being reported on my credit report. I formally dispute the accuracy and completeness of this account.\n\nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported to consumer reporting agencies must be accurate, complete, and fully verifiable. At this time, this account has not been properly verified and therefore should not continue to be reported.\n\nI request that the company provide full documentation verifying the validity of this account, including but not limited to : The original signed agreement or contract bearing my signature Complete account history and itemized statement of charges Proof that the reporting company has the legal authority to collect or report this debt Documentation showing how the reported balance was calculated If the company can not provide sufficient documentation verifying the accuracy and ownership of this account, I request that the account be immediately removed from all credit reporting agencies.\n\nFailure to ensure accurate reporting may constitute non-compliance with the Fair Credit Reporting Act. I request that this matter be investigated promptly and corrected or deleted if the information can not be fully verified.\n\nPlease provide written confirmation of the results of this investigation.","date_sent_to_company":"2026-04-09T15:40:49.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"70737","tags":null,"has_narrative":true,"complaint_id":"21092829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-09T15:28:36.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I request that this matter be <em>investigated</em> promptly and corrected or deleted if the <em>information</em> can not be <em>fully</em> <em>verified</em>.\n\nPlease provide written confirmation of the results of this <em>investigation</em>."]},"sort":[14.365605,"21092829"]},{"_index":"complaint-public-v1","_id":"1862080","_score":14.295486,"_source":{"product":"Credit reporting","complaint_what_happened":"the following accounts were disputed over 30 days ago and were not either validated or investigated fully. the receipt of the initial investigations are attached. the following accounts should be deleted from my credit file for non-compliance. \nXXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file","date_sent_to_company":"2016-04-02T15:47:15.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"08854","tags":null,"has_narrative":true,"complaint_id":"1862080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-04-02T15:47:14.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took too long"},"highlight":{"complaint_what_happened":["the following accounts were disputed over 30 days ago and were not either validated or <em>investigated</em> <em>fully</em>. the receipt of the initial <em>investigations</em> are attached. the following accounts <em>should</em> be deleted from my credit file for non-compliance."],"issue":["Credit reporting company's <em>investigation</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Investigation</em> took too long"]},"sort":[14.295486,"1862080"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3356,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3356}]}},"product":{"doc_count":3356,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2179,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2157},{"key":"Other personal consumer report","doc_count":22}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":505,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":497},{"key":"Other personal consumer report","doc_count":8}]}},{"key":"Debt 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