{"took":141,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":20700,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8940260","_score":11.313484,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I look at my credit report during the last XXXX month 's straight. XX/XX/year>, XXXX, XX/XX/year> XX/XX/year> and now XX/XX/year>. I noticed there is a lot of inaccurate and incomplete information on my report that has keep my score low. I sent a letter to Experian on XXXX 2024 asking them to investigate the completeness and accuracy. \n\nI didn't receive a response from them at all they didn't even try to fix it. They are breaking the Federal Law by not investigating the situation.\n\nAccording to 15 U.S.C 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure accuracy of the information being reported concerning the individual about whom it is reporting on or relates to. \n\nSo, I then asked Experian for the description of the investigation according to 15 U.S.C 1681i ( 7 ) : ( 7 ) Description of the reinvestigating procedures. \nA consumer agency should provide to a consumer within the guidelines of said description and methods they have not showed.","date_sent_to_company":"2024-05-06T23:42:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93534","tags":null,"has_narrative":true,"complaint_id":"8940260","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-06T23:42:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I look at my credit <em>report</em> during the last XXXX month 's straight. XX/XX/<em>year</em>>, XXXX, XX/XX/<em>year</em>> XX/XX/<em>year</em>> and now XX/XX/<em>year</em>>. I noticed there is a lot of inaccurate and incomplete information on my <em>report</em> that has keep my score low. I sent a letter to Experian on XXXX 2024 asking them to <em>investigate</em> the completeness and <em>accuracy</em>. \n\nI didn't receive a response from them at all they didn't even try to fix it. They are breaking the Federal Law by not <em>investigating</em> the situation."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.313484,"8940260"]},{"_index":"complaint-public-v1","_id":"8940261","_score":11.31287,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I look at my credit report during the last XXXX month 's straight. XX/XX/year>, XXXX, XX/XX/year> XX/XX/year> and now XX/XX/year>. I noticed there is a lot of inaccurate and incomplete information on my report that has keep my score low. I sent a letter to XXXX on XXXX 2024 asking them to investigate the completeness and accuracy. \n\nI didn't receive a response from them at all they didn't even try to fix it. They are breaking the Federal Law by not investigating the situation.\n\nAccording to 15 U.S.C 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure accuracy of the information being reported concerning the individual about whom it is reporting on or relates to. \n\nSo, I then asked XXXX for the description of the investigation according to 15 U.S.C 1681i ( 7 ) : ( 7 ) Description of the reinvestigating procedures. \nA consumer agency should provide to a consumer within the guidelines of said description and methods they have not showed.","date_sent_to_company":"2024-05-06T23:42:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93534","tags":null,"has_narrative":true,"complaint_id":"8940261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-06T23:42:07.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I look at my credit <em>report</em> during the last XXXX month 's straight. XX/XX/<em>year</em>>, XXXX, XX/XX/<em>year</em>> XX/XX/<em>year</em>> and now XX/XX/<em>year</em>>. I noticed there is a lot of inaccurate and incomplete information on my <em>report</em> that has keep my score low. I sent a letter to XXXX on XXXX 2024 asking them to <em>investigate</em> the completeness and <em>accuracy</em>. \n\nI didn't receive a response from them at all they didn't even try to fix it. They are breaking the Federal Law by not <em>investigating</em> the situation."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.31287,"8940261"]},{"_index":"complaint-public-v1","_id":"20989735","_score":11.175729,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding Experians failure to properly investigate a credit reporting dispute. \n\nI disputed a specific factual inaccuracy on a XXXX XXXX XXXX account XXXX namely the reporting of a Last Payment Date of XX/XX/year>. I did not make any payment on this account at that time. \n\nInstead of conducting a reasonable investigation into this accuracy dispute, Experian classified the issue as potential fraud and stated that it could not respond through the normal dispute process. \n\nThis is not a fraud or identity theft issue. I am not disputing ownership of the account. I am disputing the accuracy of a specific reported payment date. \n\nBy failing to investigate this accuracy dispute and redirecting it as a fraud issue, Experian has not fulfilled its obligation to conduct a reasonable investigation under the Fair Credit Reporting Act. \n\nI am requesting that Experian : Conduct a proper investigation into the accuracy of the reported XX/XX/year> payment Verify this information with the furnisher Correct or remove the account if the reported payment can not be substantiated This inaccurate reporting remains on my credit file and has impacted my financial standing. I am seeking proper review and correction of this issue. \n\nThank you.","date_sent_to_company":"2026-04-06T21:46:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90802","tags":null,"has_narrative":true,"complaint_id":"20989735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-04-06T21:41:50.000Z","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":["I am disputing the <em>accuracy</em> of a specific <em>reported</em> payment date. \n\nBy failing to <em>investigate</em> this <em>accuracy</em> dispute and redirecting it as a fraud issue, Experian has not fulfilled its obligation to conduct a reasonable <em>investigation</em> under the Fair Credit <em>Reporting</em> Act."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.175729,"20989735"]},{"_index":"complaint-public-v1","_id":"9291642","_score":10.968884,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Letter mailed to Experian requesting investigation into accuracy of DEPT OF EDUXXXX account. \n\nXXXXExperian proceeded to stall investigation after identification was mailed initially XX/XX/year> Experian continued to stall investigation after identification was mailed initially and thereafter XXXX Letter mailed to Experian requesting investigation into accuracy of DEPT OF EDU/XXXX account for second time XXXXExperian proceeded to stall investigation after identification was mailed initially XXXXThird letter mailed requesting reinvestigation of account and inaccuracies XXXXExperian proceeded to stall investigation after identification was mailed initially XX/XX/year> Letter mailed certified to Experian listing all inaccuracies and providing proof of inaccuracies across all 3 credit reporting agencies XXXX Information remains unchanged with Experian and account status updated to \" Completed investigation ; customer disagrees ''","date_sent_to_company":"2024-06-18T14:04:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21043","tags":null,"has_narrative":true,"complaint_id":"9291642","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-18T13:43:03.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX Letter mailed to Experian requesting <em>investigation</em> into <em>accuracy</em> of DEPT OF EDUXXXX account."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[10.968884,"9291642"]},{"_index":"complaint-public-v1","_id":"18226469","_score":10.914425,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the accuracy of the following inquiries on my TransUnion credit report. These inquiries need to be investigated for accuracy. \n\nINQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>","date_sent_to_company":"2025-12-22T19:53:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17602","tags":null,"has_narrative":true,"complaint_id":"18226469","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-22T19:45:06.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am disputing the <em>accuracy</em> of the following inquiries on my TransUnion credit <em>report</em>. These inquiries need to be <em>investigated</em> for <em>accuracy</em>. \n\nINQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/<em>year</em>>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[10.914425,"18226469"]},{"_index":"complaint-public-v1","_id":"10267409","_score":10.859199,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Submitted initial complaint on XX/XX/year> because company never assited with any investigation into identity theft. Upon receiving a letter dated XX/XX/year> requesting my identity information ( ID, Police Report ) company has stated they are still investigating. Per the 15 U.S. Code 1681i - Procedure in case of disputed accuracy the company not only received 30 days but the additional 15 to complete investigation. As of XX/XX/year> there is no update and information should be removed from my credit report or Civil Suit will be filed.","date_sent_to_company":"2024-09-27T18:36:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30213","tags":null,"has_narrative":true,"complaint_id":"10267409","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-27T18:35:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Submitted initial complaint on XX/XX/<em>year</em>> because company never assited with any <em>investigation</em> into identity theft. Upon receiving a letter dated XX/XX/<em>year</em>> requesting my identity information ( ID, Police <em>Report</em> ) company has stated they are still <em>investigating</em>. Per the 15 U.S. Code 1681i - Procedure in case of disputed <em>accuracy</em> the company not only received 30 days but the additional 15 to complete <em>investigation</em>."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[10.859199,"10267409"]},{"_index":"complaint-public-v1","_id":"10267413","_score":10.847466,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Submitted initial complaint on XX/XX/year> because company never assited with any investigation into identity theft. Upon receiving a letter dated XX/XX/year> requesting my identity information ( ID, Police Report ) company has stated they are still investigating. Per the 15 U.S. Code 1681i - Procedure in case of disputed accuracy the company not only received 30 days but the additional 15 to complete investigation. As of XX/XX/year> there is no update and information should be removed from my credit report or Civil Suit will be filed.","date_sent_to_company":"2024-09-27T18:36:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30213","tags":null,"has_narrative":true,"complaint_id":"10267413","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-27T18:35:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Submitted initial complaint on XX/XX/<em>year</em>> because company never assited with any <em>investigation</em> into identity theft. Upon receiving a letter dated XX/XX/<em>year</em>> requesting my identity information ( ID, Police <em>Report</em> ) company has stated they are still <em>investigating</em>. Per the 15 U.S. Code 1681i - Procedure in case of disputed <em>accuracy</em> the company not only received 30 days but the additional 15 to complete <em>investigation</em>."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[10.847466,"10267413"]},{"_index":"complaint-public-v1","_id":"10737817","_score":10.821315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint regarding TransUnion 's failure to properly investigate and substantiate the disputed items on my credit report. I have disputed multiple inaccurate items on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite these disputes, TransUnion has continuously marked the items as verified without providing any proof or details of the investigation. The responses I received were purely automated and lacked any substantive evidence to support the verification process. \n\nI am requesting that TransUnion be required to provide : The dates of contact and complete records of the investigation process, including communication with the creditors and any steps taken to verify the accuracy of the disputed information.\n\nImmediate deletion of all disputed items from my credit report, as TransUnion has failed to meet the legal requirements for investigating and verifying the accuracy of the information, as outlined under the Fair Credit Reporting Act ( FCRA ). \n\nTransUnion 's failure to provide the required documentation and its reliance on automatic, frivolous responses have prevented me from receiving a fair and accurate representation of my credit history. I am entitled to a transparent and thorough investigation of my disputes, and TransUnion has not met this obligation. \n\nI am seeking immediate action to correct these violations and ensure compliance with the law.","date_sent_to_company":"2024-11-08T14:54:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"011XX","tags":null,"has_narrative":true,"complaint_id":"10737817","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-08T14:46:41.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a formal complaint regarding TransUnion 's failure to properly <em>investigate</em> and substantiate the disputed items on my credit <em>report</em>. I have disputed multiple inaccurate items on XX/XX/<em>year</em>>, XX/XX/<em>year</em>>, XX/XX/<em>year</em>>, and XX/XX/<em>year</em>>. Despite these disputes, TransUnion has continuously marked the items as verified without providing any proof or details of the <em>investigation</em>."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[10.821315,"10737817"]},{"_index":"complaint-public-v1","_id":"9787211","_score":10.812076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear TransUnion Customer Service, I am writing to dispute several credit inquiries listed on my credit report. The details of the inquiries in question are as follows : XXXX XXXX - XX/XX/year>2023 XXXX XXXX XXXX- XX/XX/year>2023 XXXX  XXXX Bank - XXXX XXXX, 2023 XXXX - XX/XX/year>2023 Destiny - XX/XX/year>2023 Legal Basis for Dispute Authorization of Inquiries ( 15 U.S.C. 1681b ) : According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer report may only be furnished for certain permissible purposes, and an inquiry may only be made with the consumer 's authorization. I dispute the accuracy of these inquiries and question whether they were made with my authorization. If these inquiries were not authorized by me, they should be removed from my credit report. \n\nInvestigation of Disputes ( 15 U.S.C. 1681i ( 7 ) ) : Under 15 U.S.C. 1681i ( 7 ), if the accuracy of an inquiry is disputed, the credit reporting agency must conduct a reasonable investigation and correct any inaccuracies. I request that you conduct an investigation into these inquiries and ensure that any unauthorized or incorrect inquiries are removed from my credit report. \n\nConsumer Financial Protection Bureau ( CFPB ) Regulations : Additionally, the CFPB regulations require credit reporting agencies to ensure the accuracy and integrity of the information they report. Inaccurate or unauthorized inquiries can negatively impact my credit profile, and it is crucial that these regulations are followed to maintain the accuracy of my credit report.","date_sent_to_company":"2024-08-13T05:46:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"9787211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-13T05:37:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I dispute the <em>accuracy</em> of these inquiries and question whether they were made with my authorization. If these inquiries were not authorized by me, they should be removed from my credit <em>report</em>. \n\n<em>Investigation</em> of Disputes ( 15 U.S.C. 1681i ( 7 ) ) : Under 15 U.S.C. 1681i ( 7 ), if the <em>accuracy</em> of an inquiry is disputed, the credit <em>reporting</em> agency must conduct a reasonable <em>investigation</em> and correct any inaccuracies."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[10.812076,"9787211"]},{"_index":"complaint-public-v1","_id":"17917865","_score":10.793345,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to request a REINVESTIGATION regarding the accuracy of the account listed below on my credit report. I believe the information reported is inaccurate, misleading, and unverifiable. I am requesting that the inaccuracies be investigated and corrected, and if they can not be verified, that the entries be removed from my credit file. \n\nREQUEST FOR REINVESTIGATION I am formally requesting a reinvestigation of the following account reported by BMW Financial Services : BMW FINANCIAL SERVICES Account Ending : XXXX Date Opened : XX/XX/year> Balance : {$96000.00} EXPLANATION OF DISPUTE : There are errors regarding the reporting of late payments for XX/XX/year> and XX/XX/year>. According to my records and my contract with BMW Financial Services, the account was actually opened on XXXXnot XX/XX/year>, as it is reported on my credit file. Therefore, the reported late payments for XX/XX/year> and XX/XX/year> should never have occurred, as the account was not open during those months. \n\nKey Issue : The account opening date is incorrectly reported as XX/XX/year>, whereas the actual opening date is XX/XX/year>. \n\nBecause of this, the late payments for XXXX and XX/XX/year> are inaccurate and should be removed immediately. \n\nREQUEST FOR SPECIFIC INFORMATION : As part of this reinvestigation, I am requesting the following information from BMW Financial Services : The full name of the lead investigator assigned to this case. \n\nThe name of the department within BMW Financial Services handling this investigation. \n\nContact information ( phone number, email, etc. ) for the lead investigator or department. \n\nAll supporting documentation that BMW Financial Services has provided as evidence of the accuracy of the reported information, specifically related to the opening date of the account and the late payments for XXXX and XX/XX/year>. \n\nThese documents are critical for verifying the accuracy of the information that has been reported to the credit bureaus. \n\nVIOLATIONS OF THE FCRA : FCRA Section 1681e ( b ) : The failure to maintain accurate information on the credit report violates the accuracy requirement under the FCRA. \n\nFCRA Section 1681i ( a ) ( 1 ) ( A ) : BMW Financial Services has failed to provide meaningful consumer-specific validation of the inaccurate information, relying on automated systems without a proper review. \n\nFCRA Section 1681g : I am entitled to access accurate and complete information under the FCRA, and this error is harming my creditworthiness.","date_sent_to_company":"2025-12-05T01:36:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"605XX","tags":null,"has_narrative":true,"complaint_id":"17917865","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2025-12-05T01:28:28.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["All supporting documentation that BMW Financial Services has provided as evidence of the <em>accuracy</em> of the <em>reported</em> information, specifically related to the opening date of the account and the late payments for XXXX and XX/XX/<em>year</em>>. \n\nThese documents are critical for verifying the <em>accuracy</em> of the information that has been <em>reported</em> to the credit bureaus."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[10.793345,"17917865"]},{"_index":"complaint-public-v1","_id":"10782450","_score":10.726743,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX I am writing to formally dispute the reporting of late payments on my credit file associated with my account with inaccurate late payment. \n\nRocket Mortgage ( Account Number : XXXX XX/XX/year> Rocket Mortgage ( Account Number : XXXX XX/XX/year> Rocket Mortgage ( Account Number : XXXX XX/XX/year> Rocket Mortgage ( Account Number : XXXX XX/XX/year> Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that these inaccurate records be corrected or deleted from my report.\n\nUnder Section 1681i of the FCRA, consumers have the right to dispute information they believe to be inaccurate or incomplete. Additionally, credit bureaus and furnishers are obligated to conduct a reasonable investigation into disputed items. I am asserting that the reported late payments are either inaccurately reflected or unverifiable under FCRA standards, thereby warranting immediate removal.\n\nSolosically, I question the accuracy and integrity of these entries based on the 1. Failure to Provide Proof of Reporting Compliance : The FCRA mandates that furnishers of information ensure madmum possible accuracy. In this case, the evidence supporting these late payments has not been furnished, and I question whether the creditor has documentation to support these allegations. Please\nprovide certified documentation validating the late payment entries as originally reported. Absent such documentation, these entries should be removed.\n\n2 Potential Violation of Reasonable Investigation : The FCRA requires credit bureaus to perform a reasonable investigation when a consumer disputes an item. In the absence of verifiable proof from the creditor, any failure to conduct a thorough investigation into the accuracy of this information is a direct violation of my consumer rights.\n\n3. Obligation to Ensure Maximum Possible Accuracy ( 15 US.C.\n\n1681e ( b ) ) : This statute requires that credit reporting agencies follow procedures to ensure accuracy in reporting The reported late payments are damaging and do not reflect a verified record. Accordingly, I am requesting an immediate removal to prevent further harm to my creditworthiness.","date_sent_to_company":"2024-11-13T20:32:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60636","tags":null,"has_narrative":true,"complaint_id":"10782450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2024-11-13T20:16:23.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In the absence of verifiable proof from the creditor, any failure to conduct a thorough <em>investigation</em> into the <em>accuracy</em> of this information is a direct violation of my consumer rights.\n\n3. Obligation to Ensure Maximum Possible <em>Accuracy</em> ( 15 US.C.\n\n1681e ( b ) ) : This statute requires that credit <em>reporting</em> agencies follow procedures to ensure <em>accuracy</em> in <em>reporting</em> The <em>reported</em> late payments are damaging and do not reflect a verified record."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[10.726743,"10782450"]},{"_index":"complaint-public-v1","_id":"17285652","_score":10.722542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EQUIFAX ( Reinsertion Violation + Failure to Maintain Accuracy ) Subject : Equifax Illegal Reinsertion of Deleted Tradeline and Failure to Maintain Accuracy Complaint : XXXX  XXXXXXXX XXXX XXXX  was deleted from my Equifax report in XX/XX/year> ( confirmed by my XX/XX/year> report ). \nIn XX/XX/year>, this account suddenly reappeared. \nXXXX. Reinsertion Without Notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) Equifax reinstated a previously deleted account WITHOUT : notifying me in writing providing the required 5-day notice providing any reinvestigation results This is an immediate FCRA violation.\n\n2. Failure to Maintain Accuracy Equifax is reporting : false delinquency history phantom payment activity furnished by the furnisher data previously determined to be unverifiable in XX/XX/year> XXXX. I requested that Equifax conduct a proper investigation under the Fair Credit Reporting Act, including the accuracy requirements in 15 U.S.C. 1681e ( b ) and the furnisher investigation duties triggered under 15 U.S.C. 1681s-2 ( b ). I specifically asked Equifax to verify or delete multiple inaccurate and unverifiable tradelines, including : XXXX XXXX XXXX XXXX deleted in XX/XX/year> but later reinserted without the required XXXX notice, violating FCRA reinsertion rules under 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ). \n\nXXXX XXXXXXXX XXXX XXXX XXXX XXXX ) unverifiable account with inconsistent reporting. \n\nXXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX unverifiable and reporting inaccurate dates. \n\nXXXX XXXX XXXX collection account XXXX XXXX XXXX ) a new, unidentified account that appears fraudulent and was never validated. \n\nI requested that Equifax verify the accuracy, dates, ownership, and documentation for these accounts, and delete any tradelines they can not verify. Equifax failed to properly investigate or correct the inaccurate reporting as required by the FCRA.","date_sent_to_company":"2025-11-16T07:15:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77379","tags":"Servicemember","has_narrative":true,"complaint_id":"17285652","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-16T06:51:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["EQUIFAX ( Reinsertion Violation + Failure to Maintain <em>Accuracy</em> ) Subject : Equifax Illegal Reinsertion of Deleted Tradeline and Failure to Maintain <em>Accuracy</em> Complaint : XXXX  XXXXXXXX XXXX XXXX  was deleted from my Equifax <em>report</em> in XX/XX/<em>year</em>> ( confirmed by my XX/XX/<em>year</em>> <em>report</em> ). \nIn XX/XX/<em>year</em>>, this account suddenly reappeared. \nXXXX."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[10.722542,"17285652"]},{"_index":"complaint-public-v1","_id":"17475908","_score":10.7048,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting an investigation into the accuracy and completeness of the charged-off accounts reported under my Experian credit file. Several items appear to be reporting incorrect balances, dates, or do not match my records. I am asking that each account listed below be fully verified according to the FCRA, including a complete investigation with the furnishing creditor. If the accounts can not be 100 % verified with proper documentation, they must be corrected or removed. \n\nAccounts in Dispute Experian XXXX XXXX XXXXXXXX Acct : XXXX, Date : XX/XX/year>, Balance : {$8500.00} XXXX XXXX XXXXXXXX Acct : XXXX, Date : XX/XX/year>, Balance : {$25000.00} XXXX Acct : XXXX, Date : XX/XX/year>, Balance : {$5500.00} XXXXXXXX XXXX Acct : XXXX, Date : XX/XX/year>, Balance : {$0.00} I am asking for verification of reporting accuracy or immediate correction/deletion if unverifiable.","date_sent_to_company":"2025-11-24T18:53:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77004","tags":null,"has_narrative":true,"complaint_id":"17475908","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-24T18:50:10.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting an <em>investigation</em> into the <em>accuracy</em> and completeness of the charged-off accounts <em>reported</em> under my Experian credit file. Several items appear to be <em>reporting</em> incorrect balances, dates, or do not match my records. I am asking that each account listed below be fully verified according to the FCRA, including a complete <em>investigation</em> with the furnishing creditor. If the accounts can not be 100 % verified with proper documentation, they must be corrected or removed."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[10.7048,"17475908"]},{"_index":"complaint-public-v1","_id":"11328178","_score":10.660799,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have disputed two items on my credit report : XXXX and XXXX XXXX. \n\nI initiated these disputes, requesting an investigation to ensure the accuracy of the information. If the items are found to be inaccurate, I am exercising my rights under the Fair Credit Reporting Act to have them removed. \n\nI will be submitting supporting documentation to demonstrate the timeline and outcomes of my disputes. This includes evidence that the items were investigated by another credit bureau, found to be inaccurate, and subsequently removed due to my submission of supporting information. \n\nSpecifically regarding XXXX , a dispute for investigation was sent on XX/XX/year>, received by TransUnion on XX/XX/year>, and reviewed. The results of this investigation were provided by TransUnion on XX/XX/year>. Additionally, I will include the report from TransUnion containing their investigation results ( File Identification Number : XXXX ), which was generated on XX/XX/year>.","date_sent_to_company":"2024-12-30T17:49:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75044","tags":null,"has_narrative":true,"complaint_id":"11328178","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-30T16:59:55.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Additionally, I will include the <em>report</em> from TransUnion containing their <em>investigation</em> results ( File Identification Number : XXXX ), which was generated on XX/XX/<em>year</em>>."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[10.660799,"11328178"]},{"_index":"complaint-public-v1","_id":"17141416","_score":10.622803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. This item is negatively affecting my credit standing and I have reason to believe that the information being reported is inaccurate and/or incomplete. \nBelow are the details of the account in question : * Creditor Name : XXXX, XXXXXXXX XXXX XXXXXXXX * Account Number : XXXX * Reported Balance : {$2400.00} * Date Reported/Closed : XX/XX/year>, XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you conduct a thorough investigation into this matter and verify the accuracy of all details associated with this account.\n\nIf your investigation can not fully verify the accuracy of this charge-off, I request that the account and all associated negative information be deleted immediately from my credit file.\n\nPlease provide me with the results of your investigation, including : 1. The name and address of the creditor who verified the account ; 2. Documentation used to confirm the accuracy of the reported information ; and 3. Written confirmation once any necessary corrections have been made.\n\nThank you for your prompt attention to this matter. I look forward to receiving written confirmation of your findings.","date_sent_to_company":"2025-11-10T20:37:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"347XX","tags":null,"has_narrative":true,"complaint_id":"17141416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-10T20:29:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Below are the details of the account in question : * Creditor Name : XXXX, XXXXXXXX XXXX XXXXXXXX * Account Number : XXXX * <em>Reported</em> Balance : {$2400.00} * Date <em>Reported</em>/Closed : XX/XX/<em>year</em>>, XX/XX/<em>year</em>> According to the Fair Credit <em>Reporting</em> Act ( FCRA ) 611, I am requesting that you conduct a thorough <em>investigation</em> into this matter and verify the <em>accuracy</em> of all details associated with this account."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"]},"sort":[10.622803,"17141416"]},{"_index":"complaint-public-v1","_id":"17139310","_score":10.62178,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. This item is negatively affecting my credit standing and I have reason to believe that the information being reported is inaccurate and/or incomplete. \nBelow are the details of the account in question : * Creditor Name : XXXX, XXXXXXXX XXXX XXXXXXXX * Account Number : XXXX * Reported Balance : {$2400.00} * Date Reported/Closed : XX/XX/year>, XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you conduct a thorough investigation into this matter and verify the accuracy of all details associated with this account.\n\nIf your investigation can not fully verify the accuracy of this charge-off, I request that the account and all associated negative information be deleted immediately from my credit file.\n\nPlease provide me with the results of your investigation, including : 1. The name and address of the creditor who verified the account ; 2. Documentation used to confirm the accuracy of the reported information ; and 3. Written confirmation once any necessary corrections have been made.\n\nThank you for your prompt attention to this matter. I look forward to receiving written confirmation of your findings.","date_sent_to_company":"2025-11-10T20:37:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"347XX","tags":null,"has_narrative":true,"complaint_id":"17139310","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-10T20:37:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Below are the details of the account in question : * Creditor Name : XXXX, XXXXXXXX XXXX XXXXXXXX * Account Number : XXXX * <em>Reported</em> Balance : {$2400.00} * Date <em>Reported</em>/Closed : XX/XX/<em>year</em>>, XX/XX/<em>year</em>> According to the Fair Credit <em>Reporting</em> Act ( FCRA ) 611, I am requesting that you conduct a thorough <em>investigation</em> into this matter and verify the <em>accuracy</em> of all details associated with this account."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"]},"sort":[10.62178,"17139310"]},{"_index":"complaint-public-v1","_id":"10441425","_score":10.556944,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XX/XX/year> RE : Request to provide Method of Verification To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of XXXX {$710.00}, affirm {$0.00} XXXX {$14000.00} I requested an investigation because I felt the item was not being reported legally. \n\nXX/XX/year> I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! \n1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.\n\n2. What certified documents were reviewed to conclude your investigation?\n\n3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.\n\n4. What did it cost your company to obtain the documents needed to complete your investigation?\n\n5. Please provide proof of your timely procurement of certified documents.\n\n6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?","date_sent_to_company":"2024-10-14T07:47:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60617","tags":null,"has_narrative":true,"complaint_id":"10441425","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-14T07:47:37.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XX/XX/<em>year</em>> RE : Request to provide Method of Verification To Whom It May Concern : I am concerned about the validity and <em>accuracy</em> of your recent <em>investigation</em> of XXXX {$710.00}, affirm {$0.00} XXXX {$14000.00} I requested an <em>investigation</em> because I felt the item was not being <em>reported</em> legally. \n\nXX/XX/<em>year</em>> I received a letter stating that your <em>investigation</em> was complete. Please explain to me how you conducted your <em>investigation</em>! \n1."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[10.556944,"10441425"]},{"_index":"complaint-public-v1","_id":"16094928","_score":10.553384,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I obtained a copy of my credit report in XX/XX/year>XXXX  and noticed that this account contained inaccurate information. I asked TransUnion to do an investigation in XX/XX/year>XXXX  to verify the accuracy of this account. Unfortunately, not only was the inaccurate information not removed, this account was updated to contain even more inaccurate information. I asked TransUnion again in XX/XX/year>XXXX  to verify the accuracy of this account, which they claim they did, but yet it still remained full of inaccurate information. I have no choice but to spend the next few days pointing out these factual inaccuracies which will unfortunately for TransUnion prove to the CFPB that TransUnion is not verifying the accuracy of the information on the account. \nThat being said, I am formally disputing the accuracy of this account. \nIn the payment history section of this account on TransUnion for the month of XX/XX/year>XXXX  shows repossession. In the payment history section of this account on XXXX, for the month of XX/XX/year>XXXX  it shows 60 days past due. In the payment history section of this account on XXXX  for the month of XX/XX/year>XXXX  it shows charge off. ( XXXX XXXX XXXX  ) This is clearly inaccurate information on this account.","date_sent_to_company":"2025-09-24T05:30:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"760XX","tags":null,"has_narrative":true,"complaint_id":"16094928","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-24T04:08:11.000Z","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":["Regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I obtained a copy of my credit <em>report</em> in XX/XX/<em>year</em>>XXXX  and noticed that this account contained inaccurate information. I asked TransUnion to do an <em>investigation</em> in XX/XX/<em>year</em>>XXXX  to verify the <em>accuracy</em> of this account. Unfortunately, not only was the inaccurate information not removed, this account was updated to contain even more inaccurate information."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[10.553384,"16094928"]},{"_index":"complaint-public-v1","_id":"10441191","_score":10.549996,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> RE : Request to provide Method of Verification To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of XXXX {$710.00}, affirm {$0.00} XXXX {$14000.00} XXXX requested an investigation because I felt the item was not being reported legally. \n\nXX/XX/year> I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! \n1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.\n\n2. What certified documents were reviewed to conclude your investigation?\n\n3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.\n\n4. What did it cost your company to obtain the documents needed to complete your investigation?\n\n5. Please provide proof of your timely procurement of certified documents.\n\n6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?","date_sent_to_company":"2024-10-14T07:47:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60617","tags":null,"has_narrative":true,"complaint_id":"10441191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-14T07:40:01.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/<em>year</em>> RE : Request to provide Method of Verification To Whom It May Concern : I am concerned about the validity and <em>accuracy</em> of your recent <em>investigation</em> of XXXX {$710.00}, affirm {$0.00} XXXX {$14000.00} XXXX requested an <em>investigation</em> because I felt the item was not being <em>reported</em> legally. \n\nXX/XX/<em>year</em>> I received a letter stating that your <em>investigation</em> was complete. Please explain to me how you conducted your <em>investigation</em>! \n1."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[10.549996,"10441191"]},{"_index":"complaint-public-v1","_id":"8449859","_score":10.548795,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that this account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of account below : EXPERIAN : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> **** Balance Owed : {$22000.00} I am seriously doubting the accuracy you are showing for this account I believe this account should not have any late remarks. Please investigate and update accordingly. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness on the information to my address provided.","date_sent_to_company":"2024-02-29T06:41:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33179","tags":null,"has_narrative":true,"complaint_id":"8449859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-29T06:34:49.000Z","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":["For that reason, I am asking for another <em>investigation</em> of account below : EXPERIAN : XXXX XXXX XXXX XXXX Date Opened : XX/XX/<em>year</em>> XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/<em>year</em>> **** Balance Owed : {$22000.00} I am seriously doubting the <em>accuracy</em> you are showing for this account I believe this account should not have any late remarks. Please <em>investigate</em> and update accordingly."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[10.548795,"8449859"]},{"_index":"complaint-public-v1","_id":"15230491","_score":10.543792,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> I mailed a letter to Equifax XXXX regards to a XXXX XXXX on my credit report that does not have permissible purpose of being there. In the letter I provided a copy of my passport, social security card, and utility bill to confirm my identity and so they can investigate this and fix this matter to be compliant with the FCRA laws they are regulated by. Equifax sent a report back dated XX/XX/year> which states that the inquiries are a factual record but has not explained what processed they used to verify and investigate this. They are still reporting an inquiry that violates FCRA laws and is not reporting to maximum possible accuracy. I would greatly like to be a first time homebuyer and Equifax 's lack of ensuring maximum accuracy on my credit report is stopping me from doing this.","date_sent_to_company":"2025-08-12T19:28:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"338XX","tags":null,"has_narrative":true,"complaint_id":"15230491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-12T19:18:34.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Equifax sent a <em>report</em> back dated XX/XX/<em>year</em>> which states that the inquiries are a factual record but has not explained what processed they used to verify and <em>investigate</em> this. They are still <em>reporting</em> an inquiry that violates FCRA laws and is not <em>reporting</em> to maximum possible <em>accuracy</em>. I would greatly like to be a first time homebuyer and Equifax 's lack of ensuring maximum <em>accuracy</em> on my credit <em>report</em> is stopping me from doing this."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[10.543792,"15230491"]},{"_index":"complaint-public-v1","_id":"17336095","_score":10.534542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute the following inquiries on my credit report, which I believe may have been reported in error. Please investigate the accuracy of the following inquiries and remove them if they can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX ( XX/XX/year> ) XXXX XXXX XX/XX/year> XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> )","date_sent_to_company":"2025-11-18T14:59:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"17336095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-18T14:56:34.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to dispute the following inquiries on my credit <em>report</em>, which I believe may have been <em>reported</em> in error. Please <em>investigate</em> the <em>accuracy</em> of the following inquiries and remove them if they can not be verified in accordance with the Fair Credit <em>Reporting</em> Act ( FCRA ) : XXXX ( XX/XX/<em>year</em>> ) XXXX XXXX XX/XX/<em>year</em>> XXXX XXXX ( XX/XX/<em>year</em>> ) XXXX XXXX ( XX/XX/<em>year</em>> )"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[10.534542,"17336095"]},{"_index":"complaint-public-v1","_id":"17186506","_score":10.526728,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There are discrepancies in my TransUnion credit report. The items listed below require immediate investigation for accuracy. \n\nInquiries XXXX Date : XX/XX/year>","date_sent_to_company":"2025-11-13T00:00:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30004","tags":null,"has_narrative":true,"complaint_id":"17186506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-12T22:11:26.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["There are discrepancies in my TransUnion credit <em>report</em>. The items listed below require immediate <em>investigation</em> for <em>accuracy</em>. \n\nInquiries XXXX Date : XX/XX/<em>year</em>>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[10.526728,"17186506"]},{"_index":"complaint-public-v1","_id":"8858452","_score":10.497721,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, XXXX, I submitted a reinvestigation letter to Equifax pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). The account in mention is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This account held numerous inaccuracies and incomplete information. \n\nVIOLATIONS : 1. The Date Last Active reflects three ( 3 ) different dates across from each credit bureau ; A. XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX Equifax XX/XX/year> ; these inaccurate dates are detrimental because they harm the seven ( 7 ) year length of a consumers right to removal of debt. \n\n2. The Date Last Payment contradicts the Date Last Active and the Two-Year Payment history. As the report reflects ; I. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. Equifax XX/XX/year> ; In light of this error it clearly demonstrates that my credit report fails to demonstrate 100 percent accuracy. \n\nEquifax failed to conduct an investigation allowing the incomplete and inaccurate information to continuously reflect on my credit report. \n\nEquifax didn't even go as far as Updating this information to reflect accuracy. \n\nIn addition, Equifax failed to provide me proof of the investigation. Pursuant to 15 U.S.C. 1681i ( 7 ). \n\nLastly, Equifax failed to mark the account \" Disputed by Consumer '', deliberately showing negligence in the investigation. \n\nTherefore, the multitude of violations complicit by Equifax, in transgression of my constitutional rights pursuant to 15 U.S.C 1679c ( a ), caused degrading prejudice to financial health. \n\nAs well, in accordance to 15 U.S.C 1681i ( 5 ), the law impose that the credit bureaus are not limited to one option in making a determination. \n\nIt is mandated that they delete an account if it is [ Inaccurate ], [ incomplete ] or [ un-verifible ]. \n\nThe law doesnt allow the credit bureau to pick and choose a particular legal standard to validate their investigation. Nor the option to turn a blind eye to a consumers credit reputation without just cause. \n\nin short, Due process requires that If the investigation does provide consistency, accuracy and completion amongst all [ Credit Bureau ] accounts, then in light of the fruit of the poisonous tree the [ I ] t MUST be DELETED.","date_sent_to_company":"2024-04-25T05:42:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8858452","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-25T05:29:41.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XX/XX/<em>year</em>> XXXX XXXX XX/XX/<em>year</em>> XXXX Equifax XX/XX/<em>year</em>> ; these inaccurate dates are detrimental because they harm the seven ( 7 ) <em>year</em> length of a consumers right to removal of debt. \n\n2. The Date Last Payment contradicts the Date Last Active and the Two-<em>Year</em> Payment history. As the <em>report</em> reflects ; I. XXXX XX/XX/<em>year</em>> XXXX. XXXX XX/XX/<em>year</em>> XXXX. Equifax XX/XX/<em>year</em>> ; In light of this error it clearly demonstrates that my credit <em>report</em> fails to demonstrate 100 percent <em>accuracy</em>."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[10.497721,"8858452"]},{"_index":"complaint-public-v1","_id":"17480139","_score":10.49651,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX I am submitting this dispute to ensure the accuracy and integrity of my credit file. 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