{"took":332,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3620,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11475320","_score":15.109171,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute an error in the reporting of my Lead Bank account XXXX XXXX XXXX XXXX XXXX  ). According to my records, the remaining balance on this account is {$490.00}, yet it is being reported as {$680.00} to all three major credit bureausTransUnion, XXXX XXXX XXXX \n\nThis discrepancy is impacting my credit report, and I would like to request a thorough investigation and correction of this error. I have attached supporting documentation ( if available ) to verify the correct balance, and I respectfully ask that you assist in resolving this matter as soon as possible. \n\nPlease confirm the receipt of this complaint and provide me with an update on the progress of your investigation. \n\nThank you for your attention to this matter. I look forward to your prompt resolution.","date_sent_to_company":"2025-01-11T23:53:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"402XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11475320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-01-11T23:45:32.000Z","state":"KY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Please <em>confirm</em> the receipt of this <em>complaint</em> and provide me with an update on the progress of <em>your</em> <em>investigation</em>. \n\nThank you for <em>your</em> attention to this matter. I look forward to <em>your</em> prompt resolution."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[15.109171,"11475320"]},{"_index":"complaint-public-v1","_id":"12507049","_score":14.920391,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Formal Complaint Regarding Unauthorized Access to Private Student Loan Data & Request for Loan Forgiveness To Whom It May Concern, Mohela I am filing this formal complaint regarding the unauthorized access and misuse of my private student loan data. It has come to my attention that XXXX XXXX has accessed my personal and financial records through the U.S. Department of Education, violating my right to privacy and potentially breaching federal data protection laws. This is a serious matter, and I demand an immediate investigation into this unlawful access and misuse of my sensitive financial information. \nAdditionally, the improper handling of my student loan data has caused significant harm, including a drastic decline in my credit score and financial distress. Due to this privacy violation and the resulting damages, I formally request : The immediate removal of all student loan accounts from my credit report with all credit bureaus. \nFull forgiveness of my student loan balance due to this breach of privacy and the mishandling of my records. \nA pause on all repayment obligations until this matter is fully investigated and resolved. \nI expect a prompt and thorough investigation into this matter, along with a written response confirming the steps being taken to rectify the situation. If necessary, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal authorities to ensure my rights are protected. \nPlease confirm receipt of this letter and provide me with a timeline for your response. I appreciate your prompt attention to this urgent matter.","date_sent_to_company":"2025-03-16T14:11:50.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"20748","tags":null,"has_narrative":true,"complaint_id":"12507049","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-03-16T13:49:41.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem with your payment plan"},"highlight":{"complaint_what_happened":["If necessary, I am prepared to escalate this <em>complaint</em> to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal authorities to ensure my rights are protected. \nPlease <em>confirm</em> receipt of this letter and provide me with a timeline for <em>your</em> response. I appreciate <em>your</em> prompt attention to this urgent matter."],"issue":["Struggling to repay <em>your</em> loan"],"sub_issue":["Problem with <em>your</em> payment plan"]},"sort":[14.920391,"12507049"]},{"_index":"complaint-public-v1","_id":"7427911","_score":14.862846,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am submitting this CFPB Complaint to formally request an investigation and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX - You are reporting a different information from other bureaus. This account is only reporting in your bureau. If your record keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account removed immediately. Thank you. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.","date_sent_to_company":"2023-08-19T08:35:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92708","tags":null,"has_narrative":true,"complaint_id":"7427911","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-19T08:35:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting this CFPB <em>Complaint</em> to formally request an <em>investigation</em> and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit <em>Reporting</em> Act. XXXX XXXX XXXX XXXX XXXX XXXX - You are <em>reporting</em> a different information from other bureaus. This account is only <em>reporting</em> in <em>your</em> bureau. If <em>your</em> <em>record</em> keeping had been accurate, this account should have never been erroneously <em>reported</em>."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> <em>into</em> an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> <em>report</em>"]},"sort":[14.862846,"7427911"]},{"_index":"complaint-public-v1","_id":"3013416","_score":14.607967,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint deals with Transunion not being truthful/being dishonest about the investigation results from a dispute which I submitted. I disputed the public record, and Transunion stated that it verified the public record with XXXX. I contacted XXXX and there are no public record on my XXXX consumer disclosure ( s ). On page 3 of the attachment from Transunion.comXXXX, it states that \" if a bankruptcy appears in the public record section of your Transunion credit report, Transunion obtained information about your bankruptcy from our third-party vendor, XXXX. '' Well, I know that there are no bankruptcy records with XXXX, and also all of my XXXX disclosures have been suppressed, and I have a security freeze ( pages 6, 7, and 8 of the attachment confirms this information ). \nBecause Transunion has been dishonest about there investigation results, I request Transunion delete the public record from my credit report immediately. \nAs the attached documentation shows, XXXX has no record of a bankruptcy in my files, and also my XXXX reports have all been suppressed, and I have a security freeze. Transunion has stated that it uses the vendor XXXX to verify public records. I strenuously demand that Transunion delete the public record from my credit report.","date_sent_to_company":"2018-09-07T16:42:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31707","tags":"Servicemember","has_narrative":true,"complaint_id":"3013416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-09-07T15:16:23.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On page 3 of the attachment from Transunion.comXXXX, it states that \" if a bankruptcy appears in the public <em>record</em> section of <em>your</em> Transunion credit <em>report</em>, Transunion obtained information about <em>your</em> bankruptcy from our third-party vendor, XXXX. '' Well, I know that there are no bankruptcy <em>records</em> with XXXX, and also all of my XXXX disclosures have been suppressed, and I have a security freeze ( pages 6, 7, and 8 of the attachment <em>confirms</em> this information )."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> <em>into</em> an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> <em>report</em>"]},"sort":[14.607967,"3013416"]},{"_index":"complaint-public-v1","_id":"7427932","_score":14.597982,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am submitting this CFPB Complaint to formally request an investigation and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. XXXX XXXX Balance Owed : {$0.00} - You are reporting a different information from other bureaus. This account is only reporting in your bureau. If your record keeping had been accurate, this account should have never been erroneously reported. Per FCRA, reporting of account information must be accurate ; I need this account removed immediately. Thank you. XXXX XXXX XXXX Balance Owed : {$40000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.","date_sent_to_company":"2023-08-19T08:35:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92708","tags":null,"has_narrative":true,"complaint_id":"7427932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-19T08:22:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am submitting this CFPB <em>Complaint</em> to formally request an <em>investigation</em> and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit <em>Reporting</em> Act. XXXX XXXX Balance Owed : {$0.00} - You are <em>reporting</em> a different information from other bureaus. This account is only <em>reporting</em> in <em>your</em> bureau. If <em>your</em> <em>record</em> keeping had been accurate, this account should have never been erroneously <em>reported</em>."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> <em>into</em> an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> <em>report</em>"]},"sort":[14.597982,"7427932"]},{"_index":"complaint-public-v1","_id":"11477711","_score":14.418225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Equifax, I am writing to formally request that my dispute ( confirmation # XXXX ) be reviewed by a human, not an automated system. Your response indicates that the public record item ( bankruptcy ) on my credit file was verified, and XXXX was identified as a third-party source. However, upon contacting XXXX directly, they confirmed they do not contact bankruptcy courts or verify such information through any official channel. \n\nXXXX has initiated the process to remove the false information from their records ( Case # XXXX ) based on the evidence I provided, including a letter from the bankruptcy court stating they do not provide personal information to Equifax or XXXX. I also submitted this documentation to XXXX, which led them to confirm the information would be removed immediately. \n\nYour response states that XXXX electronically reviewed the dispute and provided results. This is inconsistent with XXXX 's statement and actions. Your failure to verify information directly with the source demonstrates non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.\n\n15 U.S. Code 1681i ( a ) ( 5 ) : Requirement to delete unverifiable information during dispute resolution.\n\nI demand an immediate investigation into the accuracy of the reported bankruptcy record and the removal of this fraudulent information from my credit file. If the issue is not resolved promptly, I will escalate this matter to the Attorney General and file a complaint with the Federal Trade Commission ( FTC ). \n\nFor your reference, I have attached : Letters and emails from XXXX confirming the removal of false information. \nA letter from the bankruptcy court confirming they do not provide data to Equifax or XXXX. \nA copy of my original letter to the bankruptcy court. \nA copy of my ID and a utility bill for verification purposes. \nI expect a resolution within 15 days. Please confirm receipt of this communication and provide an update on the next steps. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-11T17:32:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85395","tags":null,"has_narrative":true,"complaint_id":"11477711","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-11T17:21:15.000Z","state":"AZ","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>Your</em> failure to verify information directly with the source demonstrates non-compliance with the Fair Credit <em>Reporting</em> Act ( FCRA ), specifically : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy in <em>reporting</em>.\n\n15 U.S. Code 1681i ( a ) ( 5 ) : Requirement to delete unverifiable information during dispute resolution.\n\nI demand an immediate <em>investigation</em> into the accuracy of the <em>reported</em> bankruptcy <em>record</em> and the removal of this fraudulent information from my credit file."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Public <em>record</em> information inaccurate"]},"sort":[14.418225,"11477711"]},{"_index":"complaint-public-v1","_id":"17332579","_score":14.3861885,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against XXXX XXXX XXXX for incorrectly reporting my auto loan as 30 days late. This information is false. I have never been 30 days past due, and my payment records confirm this. \n\nI contacted XXXX to dispute the error, but they have not corrected it. This inaccurate reporting has harmed my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ).\n\nI request that the CFPB investigate and require XXXX to : Review this incorrect delinquency ; Provide proof of any claimed late payment or remove it ; Correct my credit reports with all bureaus. \n\nI can provide payment records and correspondence upon request. \n\nThank you for your assistance.","date_sent_to_company":"2025-11-18T17:39:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21228","tags":null,"has_narrative":true,"complaint_id":"17332579","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-18T17:28:25.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am filing a <em>complaint</em> against XXXX XXXX XXXX for incorrectly <em>reporting</em> my auto loan as 30 days late. This information is false. I have never been 30 days past due, and my payment <em>records</em> <em>confirm</em> this. \n\nI contacted XXXX to dispute the error, but they have not corrected it. This inaccurate <em>reporting</em> has harmed my credit score and violates my rights under the Fair Credit <em>Reporting</em> Act ( FCRA )."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.3861885,"17332579"]},{"_index":"complaint-public-v1","_id":"17328391","_score":14.3861885,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against XXXX XXXX XXXX for incorrectly reporting my auto loan as 30 days late. This information is false. I have never been 30 days past due, and my payment records confirm this. \n\nI contacted XXXX to dispute the error, but they have not corrected it. This inaccurate reporting has harmed my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ).\n\nI request that the CFPB investigate and require XXXX to : Review this incorrect delinquency ; Provide proof of any claimed late payment or remove it ; Correct my credit reports with all bureaus. \n\nI can provide payment records and correspondence upon request. \n\nThank you for your assistance.","date_sent_to_company":"2025-11-18T17:39:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21228","tags":null,"has_narrative":true,"complaint_id":"17328391","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-18T17:39:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am filing a <em>complaint</em> against XXXX XXXX XXXX for incorrectly <em>reporting</em> my auto loan as 30 days late. This information is false. I have never been 30 days past due, and my payment <em>records</em> <em>confirm</em> this. \n\nI contacted XXXX to dispute the error, but they have not corrected it. This inaccurate <em>reporting</em> has harmed my credit score and violates my rights under the Fair Credit <em>Reporting</em> Act ( FCRA )."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.3861885,"17328391"]},{"_index":"complaint-public-v1","_id":"17328390","_score":14.361731,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against XXXX XXXX XXXX for incorrectly reporting my auto loan as 30 days late. This information is false. I have never been 30 days past due, and my payment records confirm this. \n\nI contacted XXXX to dispute the error, but they have not corrected it. This inaccurate reporting has harmed my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ).\n\nI request that the CFPB investigate and require XXXX to : Review this incorrect delinquency ; Provide proof of any claimed late payment or remove it ; Correct my credit reports with all bureaus. \n\nI can provide payment records and correspondence upon request. \n\nThank you for your assistance.","date_sent_to_company":"2025-11-18T17:39:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21228","tags":null,"has_narrative":true,"complaint_id":"17328390","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-18T17:39:27.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am filing a <em>complaint</em> against XXXX XXXX XXXX for incorrectly <em>reporting</em> my auto loan as 30 days late. This information is false. I have never been 30 days past due, and my payment <em>records</em> <em>confirm</em> this. \n\nI contacted XXXX to dispute the error, but they have not corrected it. This inaccurate <em>reporting</em> has harmed my credit score and violates my rights under the Fair Credit <em>Reporting</em> Act ( FCRA )."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.361731,"17328390"]},{"_index":"complaint-public-v1","_id":"17273640","_score":14.234491,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to formally submit a complaint against Self Lead Services regarding account number XXXX. I believe that the reporting of this account may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692.\n\nDetails of the Complaint : Account Number : XXXX Status : Reported as closed with a XXXX balance Nature of the Complaint : I have never used the services provided by Self Lead Services, yet I am finding this account reported on my credit report as closed with a XXXX balance. \n\nI am concerned that this entry may lead to inaccuracies on my credit report and could affect my creditworthiness. It is my belief that this account was reported erroneously, as I have no record of engaging with Self Lead Services. \n\nI have attempted to resolve this matter by reaching out to Self Lead Services, but I have not received satisfactory clarification regarding this account 's existence or its reporting on my credit file. \n\nAttached to this complaint are relevant documents, including my credit report showing the account in question, that support my claims. \n\nI respectfully request that your office investigates this matter thoroughly and takes appropriate action to address this potentially deceptive practice. \n\nPlease confirm receipt of this complaint and keep me informed about the progress of your investigation. Thank you for your attention to this matter and for your assistance in ensuring the accuracy of consumer reporting. \n\nSincerely,","date_sent_to_company":"2025-11-15T15:26:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48083","tags":null,"has_narrative":true,"complaint_id":"17273640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-11-15T15:21:07.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I respectfully request that <em>your</em> office <em>investigates</em> this matter thoroughly and takes appropriate action to address this potentially deceptive practice. \n\nPlease <em>confirm</em> receipt of this <em>complaint</em> and keep me informed about the progress of <em>your</em> <em>investigation</em>. Thank you for <em>your</em> attention to this matter and for <em>your</em> assistance in ensuring the accuracy of consumer <em>reporting</em>. \n\nSincerely,"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.234491,"17273640"]},{"_index":"complaint-public-v1","_id":"11878979","_score":14.185936,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Here is a copy of the issue, outlined in a letter provided to Experian as with the initial complaint, Experian chose to reopen the dispute after the legally designated time from, neglecting to provide the method of investigation and sources investigated as requested in the initial complaint and required by law. \n\nSubject : Unauthorized Dispute Investigation & Non-Compliance with FCRA Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, Experian Dispute Resolution Team ; I am writing to formally address Experians unauthorized reopening of a dispute that was already finalized on XX/XX/year>. Your own prior correspondence confirms this closure, yet you have now taken the liberty to reinitiate an investigation without my authorization and beyond the legally mandated timeframe under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ).\n\nViolation of Investigation Timeframe & Due Process The FCRA mandates that disputes be resolved within 30 days ( or 45 days if supporting documentation is requested from the consumer ). \n\nIn this case, you did not request any supporting documentation from me, and the dispute was closed on XX/XX/XXXX, XXXX beyond the permissible period for Experian to reinvestigate.\n\nYour unauthorized actions constitute non-compliance with FCRA regulations and infringe upon my rights as a consumer.\n\nImmediate Actions Required 1. Cease & Close Unauthorized Investigation This dispute was not initiated or authorized by me, and your continued investigation is improper and unlawful.\n\n2. Permanently Remove Disputed Items The disputed items included in my CFPB complaint must be permanently removed, as XXXX failure to investigate properly within the legal time frame invalidates the prior reporting.\n\n3. Provide Required Investigation Details My CFPB complaint specifically requested XXXX method of investigation, sources used, and validation of compliance. You previously refused to provide this legally required information. Reopening the dispute post-closure in an attempt to rectify past failures is both a bad faith practice and a direct violation of consumer protection laws.\n\nLegal and Regulatory Compliance Failure Experians unauthorized actions reflect a failure to uphold the integrity of the credit reporting process and demonstrate a clear attempt to circumvent accountability. Further, any attempt to retroactively amend or cover investigative deficiencies beyond the lawful timeframe will be construed as willful noncompliance.\n\nThis documented record substantiates a settlement demand for damages, as Experian continues to engage in unfair and deceptive practices that violate the FCRA, the Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 ), and due process rights afforded to consumers.\n\nPlease provide written confirmation that : 1. The unauthorized investigation has been immediately closed.\n\n2. The disputed items have been permanently removed in accordance with FCRA compliance. \n\n\nXXXX. A formal record of XXXX compliance failures will be documented and corrected per procedural standards.\n\nFailure to address this matter properly may result in additional regulatory complaints and legal action. Please confirm compliance with the above requests at your earliest convenience. \n\nSincerely, XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-01-31T07:11:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"618XX","tags":null,"has_narrative":true,"complaint_id":"11878979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T06:55:15.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["A formal <em>record</em> of XXXX compliance failures will be documented and corrected per procedural standards.\n\nFailure to address this matter properly may result in additional regulatory <em>complaints</em> and legal action. Please <em>confirm</em> compliance with the above requests at <em>your</em> earliest convenience. \n\nSincerely, XXXX XXXX ( XXXX ) XXXX"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[14.185936,"11878979"]},{"_index":"complaint-public-v1","_id":"17866677","_score":14.095634,"_source":{"product":"Checking or savings account","complaint_what_happened":"Urgent Request for Investigation and Correction of Inaccurate Credit Records To Whom It May Concern, I am writing to express my deep concern regarding the inaccurate and disputed records appearing on my credit report. On multiple occasions, I have reported these errors and requested a thorough investigation, yet I have not received any meaningful resolution or corrective action. These inaccuracies have caused significant harm to my credit profile, financial stability, and overall quality of life. The continued reporting of false information has resulted in unnecessary hardship and stress. Also the hard and soft inquiries take them off immediately also are all unauthorized. I am formally requesting that your office conduct a comprehensive review of the disputed accounts and take immediate corrective action to restore the accuracy and integrity of my credit file. Failure to resolve this matter promptly will leave me with no choice but to escalate the issue by filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action for violations under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Your immediate attention to this matter is expected. Please confirm receipt of this complaint and notify me of the corrective actions taken to resolve it.","date_sent_to_company":"2025-12-09T11:18:17.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"17866677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-09T11:02:35.000Z","state":"NY","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Urgent Request for <em>Investigation</em> and Correction of Inaccurate Credit <em>Records</em> To Whom It May Concern, I am writing to express my deep concern regarding the inaccurate and disputed <em>records</em> appearing on my credit <em>report</em>. On multiple occasions, I have <em>reported</em> these errors and requested a thorough <em>investigation</em>, yet I have not received any meaningful resolution or corrective action."]},"sort":[14.095634,"17866677"]},{"_index":"complaint-public-v1","_id":"12507611","_score":14.026614,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.\n\nAccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.\n\nI demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. \nYour failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. \nI demand that the following inquiries and account be verified or removed immediately : Instruction : Please investigate the reporting of this public record to determine that it meets FCRA requirements and remove this inaccurate report from my credit report. \nAccount Name : { XXXX XXXX } Account Number : { XXXX } Balance : { XXXX } Date Opened : { XX/XX/XXXX } Reason : Please investigate the reporting of this public record. I do not believe this public record is reporting accurately. \nInstruction : Please investigate to confirm this inaccurate data meets the FCRA and remove it from my credit report. \nInquiry Name : { COAF } Date of Inquiry : { XX/XX/XXXX } Reason : This inquiry was not authorized and should not have been reported on my credit profile. \nInstruction : Please investigate to confirm this inaccurate data meets the FCRA and remove it from my credit report. \nReason : Please investigate the reporting of this account. I don't believe this account is reporting accurately. \nIn addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. \nThank you, XXXX XXXX XXXX }","date_sent_to_company":"2025-03-16T06:23:51.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"77096","tags":null,"has_narrative":true,"complaint_id":"12507611","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2025-03-16T06:07:56.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Instruction : Please <em>investigate</em> to <em>confirm</em> this inaccurate data meets the FCRA and remove it from my credit <em>report</em>. \nInquiry Name : { COAF } Date of Inquiry : { XX/XX/XXXX } Reason : This inquiry was not authorized and should not have been <em>reported</em> on my credit profile. \nInstruction : Please <em>investigate</em> to <em>confirm</em> this inaccurate data meets the FCRA and remove it from my credit <em>report</em>. \nReason : Please <em>investigate</em> the <em>reporting</em> of this account."]},"sort":[14.026614,"12507611"]},{"_index":"complaint-public-v1","_id":"15900389","_score":13.995342,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against the inaccurate and harmful reporting of a bankruptcy record on my credit file. The record in question is listed as : U.S. Bankruptcy Court XXXX Bankruptcy This entry is being reported inaccurately and does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \n\nMy Concerns : Inaccuracy / Incomplete Reporting The information being reported does not provide full or verifiable details to establish its accuracy. The furnisher has failed to demonstrate that the data is correct, complete, and legally reportable. \n\nFailure of Verification Credit reporting agencies are required under FCRA 611 ( 15 U.S.C. 1681i ) to properly investigate disputes. No proper validation has been provided to confirm this bankruptcy record is accurate and belongs to me. \n\nUnfair Damage to Creditworthiness This inaccurate reporting severely harms my credit score, financial opportunities, and overall consumer rights. \n\nRequested Action : Immediately re-investigate and verify this bankruptcy record with the U.S. Bankruptcy Court. \n\nIf the furnisher can not provide certified and verifiable proof, this record must be deleted from my credit report in compliance with the FCRA. \n\nProvide me with a written confirmation of the results of your investigation.","date_sent_to_company":"2025-09-12T19:25:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"611XX","tags":null,"has_narrative":true,"complaint_id":"15900389","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-12T19:13:42.000Z","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":["Requested Action : Immediately re-<em>investigate</em> and verify this bankruptcy <em>record</em> with the U.S. Bankruptcy Court. \n\nIf the furnisher can not provide certified and verifiable proof, this <em>record</em> must be deleted from my credit <em>report</em> in compliance with the FCRA. \n\nProvide me with a written confirmation of the results of <em>your</em> <em>investigation</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of <em>your</em> <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used <em>your</em> <em>report</em> improperly"]},"sort":[13.995342,"15900389"]},{"_index":"complaint-public-v1","_id":"12600744","_score":13.979858,"_source":{"product":"Student loan","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding the unauthorized access and potential misuse of my federal student loan information. Recent reports indicate that XXXX XXXX and his Department of Government Efficiency ( DOGE ) team may have improperly accessed student loan borrower data, raising serious privacy and financial concerns. \n\nI have attached evidence supporting my claim, including : XXXX. Account Statements & Loan Servicer Records Documents showing discrepancies or unauthorized access to my loan information. \nXXXX. News Reports & Official Statements Articles detailing the allegations of unauthorized access. \nXXXX. Correspondence with My Loan Servicer Emails or messages confirming concerns about data privacy. \n\nI request the following actions : XXXX. A thorough investigation into how my student loan records may have been accessed or shared. \nXXXX. Confirmation of whether my personal financial data has been compromised. \nXXXX. Assurance that corrective measures are being taken to protect borrower information. \nXXXX. Legal action or penalties against any parties found responsible for unauthorized access. \n\nThis issue is of great concern to me, and I appreciate your prompt response. Please confirm receipt of this complaint and inform me of any next steps I should take. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-22T00:21:37.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"75165","tags":null,"has_narrative":true,"complaint_id":"12600744","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-03-22T00:11:34.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["This issue is of great concern to me, and I appreciate <em>your</em> prompt response. Please <em>confirm</em> receipt of this <em>complaint</em> and inform me of any next steps I should take. \n\nSincerely, XXXX XXXX"],"issue":["Improper use of <em>your</em> <em>report</em>"],"sub_issue":["<em>Report</em> provided to employer without <em>your</em> written authorization"]},"sort":[13.979858,"12600744"]},{"_index":"complaint-public-v1","_id":"11598789","_score":13.947066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against LexisNexis for failing to properly investigate my bankruptcy records and providing inaccurate information regarding their verification process. LexisNexis stated that they verified my bankruptcy through PACER ( Public Access to Court Electronic Records ). However, PACER does not verify bankruptcy information or provide third-party verification of bankruptcy records. PACER simply gives public access to court records and does not serve as a source for confirming bankruptcy information. \n\nThis misleading statement by LexisNexis has resulted in improper handling of my bankruptcy record, which is affecting my credit report. \n\nDetails of the Complaint : Company Involved : LexisNexis Issue : Improper investigation of bankruptcy and false claim about PACER verification Date ( XXXX ) of Incident : XX/XX/XXXX Bankruptcy Record : - XXXX My Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX My Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX LexisNexis claimed that they verified my bankruptcy ( record number XXXX ) through PACER. However, PACER does not verify bankruptcy records or provide third-party validation. It is only a tool to access public court records, which can not serve as verification. This is misleading and has led to incorrect handling of my bankruptcy status, which could have an impact on my credit and financial standing. \n\nI am requesting that LexisNexis re-investigate my bankruptcy record using proper and accurate methods, remove any misleading claims from my file, and correct any inaccuracies that have affected my credit report. \n\nResolution Requested : Proper investigation into my bankruptcy record using correct verification methods. \nRemoval or correction of the inaccurate statement regarding the use of PACER for verification. \nCorrection of any inaccurate information or records related to my bankruptcy in LexisNexis ' reporting. \nSupporting Documentation : I am prepared to provide any additional documentation or information needed to assist with your investigation. \n\nXXXX XXXX : Email : XXXX Phone Number : XXXX Thank you for your attention to this matter. I look forward to your response and resolution of this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-21T18:04:05.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"11598789","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-01-21T17:54:33.000Z","state":"GA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["PACER simply gives public access to court <em>records</em> and does not serve as a source for <em>confirming</em> bankruptcy information. \n\nThis misleading statement by LexisNexis has resulted in improper handling of my bankruptcy <em>record</em>, which is affecting my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["Public <em>record</em> information inaccurate"]},"sort":[13.947066,"11598789"]},{"_index":"complaint-public-v1","_id":"14876668","_score":13.929239,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Kashable Support, Thank you for your response regarding my recent complaint. However, I remain dissatisfied with your explanation and would like to further clarify my position. \n\nWhile you state that communications were sent to the contact information I provided, I did not receive key notifications about my account status or payment requirements. If there was a technical or delivery issue, I believe that responsibility still lies with Kashable to ensure critical information reaches the borrower in a timely and effective manner. I urge you to investigate the delivery records or system logs of these communications to determine whether they were actually received, not just sent. \n\nAdditionally, your claim that the information reported to the credit bureaus is accurate does not align with my records. I am formally requesting a detailed breakdown of the payment history you furnished to the credit bureaus, along with the dates and amounts reported. If any inaccuracies are found, I expect an immediate correction under your obligations per the Fair Credit Reporting Act ( FCRA ). \n\nPlease also confirm whether you reported any late payments after the loan was paid in full, which would be a violation of standard credit reporting practices. \n\nLastly, your statement that consumers can not opt out of credit reporting, while understood, does not relieve your obligation to ensure the information furnished is both complete and accurate. \n\nI will also be initiating disputes with the credit bureaus, as advised, and expect Kashable to conduct a good faith investigation when those disputes are received.","date_sent_to_company":"2025-07-28T13:04:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"190XX","tags":"Servicemember","has_narrative":true,"complaint_id":"14876668","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kashable LLC","date_received":"2025-07-25T20:08:03.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I urge you to <em>investigate</em> the delivery <em>records</em> or system logs of these communications to determine whether they were actually received, not just sent. \n\nAdditionally, <em>your</em> claim that the information <em>reported</em> to the credit bureaus is accurate does not align with my <em>records</em>. I am formally requesting a detailed breakdown of the payment history you furnished to the credit bureaus, along with the dates and amounts <em>reported</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.929239,"14876668"]},{"_index":"complaint-public-v1","_id":"20118749","_score":13.870825,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am submitting this complaint regarding the handling of a XXXX transaction that appears to have been incorrectly classified as fraud by USAA. \n\nOn XX/XX/year>, my company, Movers of XXXX XXXX, received a XXXX payment in the amount of {$600.00} from a customer, XXXX XXXX, for moving services that were fully authorized and completed. \n\nThe services were performed as agreed, and we have substantial documentation confirming the legitimacy of the transaction, including : A signed invoice from the customer matching the {$600.00} transaction amount XXXX records confirming our crew was present at the customers location performing the service A credit card receipt for the initial fuel fee portion of the job Recorded phone calls in which the customer authorized the XXXX and XXXX performed A XXXX review written by the customer praising the movers and confirming that the services were completed After the services were completed, the customer contacted USAA regarding the transaction. When we later spoke directly with the customer on a recorded call, he acknowledged that the services were authorized and completed. During that conversation, the customer stated that the bank representative he spoke with advised him to report the matter as fraud rather than as a service dispute. \n\nFollowing that report, the XXXX payment was reversed through the banking network as a fraud claim. \n\nBased on the documentation we possess, the transaction was clearly authorized and related to legitimate services that were performed and accepted by the customer. If the customers statement is accurate, it appears that the transaction may have been incorrectly classified as fraud rather than as a service dispute. \n\nThis classification has caused financial harm to my business and has also resulted in restrictions being placed on our XXXX service by our bank, XXXXXXXX XXXX XXXX XXXX \n\nI am respectfully requesting that this matter be reviewed by USAA to determine whether the claim was appropriately classified and whether the investigation process properly considered the available evidence indicating that the transaction was authorized. \n\nFor reference, related complaints regarding this matter have also been submitted to regulators involving the receiving bank. The Consumer Financial Protection Bureau complaint associated with the broader situation has been assigned XXXX XXXX XXXX. \n\nI appreciate your time and request that this matter be reviewed so that the transaction classification and investigation process can be evaluated appropriately.","date_sent_to_company":"2026-03-10T05:04:48.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"78216","tags":"Servicemember","has_narrative":true,"complaint_id":"20118749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2026-03-10T04:51:44.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["For reference, related <em>complaints</em> regarding this matter have also been submitted to regulators involving the receiving bank. The Consumer Financial Protection Bureau <em>complaint</em> associated with the broader situation has been assigned XXXX XXXX XXXX. \n\nI appreciate <em>your</em> time and request that this matter be reviewed so that the transaction classification and <em>investigation</em> process can be evaluated appropriately."]},"sort":[13.870825,"20118749"]},{"_index":"complaint-public-v1","_id":"9783585","_score":13.671078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Failure to Properly Investigate Dispute in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute Equifaxs handling of my previous credit report dispute, as it appears that Equifax has failed to properly investigate my claims in accordance with the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/2024, I submitted a dispute through the CFPB portal regarding the inaccuracy of a public record ( bankruptcy ) being reported on my credit report. This dispute was based on the fact that Equifax stated in a letter that they were unable to find a profile for me in their database. So, I guess I am a ghost. However, on XX/XX/2024, Equifax responded to the CFPB complaint that they have verified that the public record item is reporting correctly. Yet, Equifax continues to send various correspondence items with varying names of \" XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Which is my correct name? You should have one and only one correct spelling of my name in your database. I have also provided all necessary documentation to support my claim, yet you continue to send \" STALL LETTERS '' instead of properly and thoroughly investigating the inaccurate information. \n\nHowever, I have recently reviewed my credit report and found that the disputed items remain uncorrected, or no meaningful investigation has been conducted. It is clear that Equifax has either failed to take the proper steps to investigate my dispute or has not complied with the obligations set forth under the FCRA, specifically under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation into any disputed information.\n\nI remind you that under the FCRA, you are legally obligated to thoroughly investigate disputes and correct any inaccuracies found. Failure to do so subjects Equifax to penalties, including statutory damages of up to {$1000.00} per violation. \n\nGiven Equifaxs failure to properly investigate and rectify the errors in my credit report, I demand immediate correction of the disputed information. Additionally, I request compensation of {$1000.00} for each violation of the FCRA as permitted under the law. \n\nPlease consider this letter as a formal complaint. I expect a response confirming the initiation of a proper investigation within the 30 days mandated by law. Should this issue not be resolved satisfactorily, I will have no choice but to escalate this matter by filing complaints with my Consumer Protection attorney and consider legal action. \n\nPlease confirm receipt of this letter and provide me with the results of the new investigation at your earliest convenience.","date_sent_to_company":"2024-08-13T22:37:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"9783585","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-13T22:21:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Should this issue not be resolved satisfactorily, I will have no choice but to escalate this matter by filing <em>complaints</em> with my Consumer Protection attorney and consider legal action. \n\nPlease <em>confirm</em> receipt of this letter and provide me with the results of the new <em>investigation</em> at <em>your</em> earliest convenience."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> <em>report</em>"]},"sort":[13.671078,"9783585"]},{"_index":"complaint-public-v1","_id":"12655681","_score":13.667224,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"PREVIOUS CLOSED COMLAINT XXXX EQUIFAX USNG STALLING TACTIC TO AVOID UPDATING MY CREDIT REPORT. \n\nI am following up regarding my formal dispute concerning inaccurate bankruptcy reporting on my XXXX credit file. Your recent response claiming that you \" could not locate a file '' is unacceptable, inaccurate, and an obvious stall tactic intended to avoid your legal responsibilities under the Fair Credit Reporting Act ( FCRA ). \n\nI have an active credit file with XXXX containing open tradelines, and prior communications from your organization confirm this fact. Therefore, your continued claim that you can not locate my record is disingenuous and a violation of FCRA 1681i ( a ) ( 3 ) ( A ), which prohibits credit bureaus from refusing to investigate disputes without a legitimate reason.\n\nFurthermore, I have confirmed directly with the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX, XXXX Division that the court does not verify bankruptcy records with any credit reporting agency. Bankruptcy courts do not furnish information to XXXX, nor do they confirm or deny data reported by third-party entities. Therefore, any so-called verification by XXXX is invalid unless directly sourced from the court which is impossible per the court 's official statement. \n\nEquifax and XXXX have both deleted the bankruptcy records from my credit reports after reviewing the same evidence. This proves the record is unverifiable, and XXXX is now the only bureau failing to comply with the FCRA by continuing to dodge proper investigation and removal. \n\nApplicable Violations and Legal Standards : 1. FCRA 1681e ( b ) Maximum Possible Accuracy : Continuing to report dismissed or unverifiable bankruptcies violates your duty to maintain maximum possible accuracy. Reporting unverifiable public records misrepresents my creditworthiness.\n\n2. FCRA 1681i ( a ) ( 5 ) Failure to Properly Investigate Disputes : Your failure to verify with the source the court is a clear breach of the FCRA. Your refusal to delete this unverifiable item demonstrates failure to perform a reasonable investigation. \n\nXXXX. XXXX ( XXXX XXXX ) Reporting Standards : As a member of the XXXX XXXX XXXX XXXX, XXXX is obligated to report only accurate and verifiable public records. You are in violation of these standards. \n\n4. FCRA 1681n & 1681o Willful and Negligent Non-Compliance : Continued refusal to correct or delete unverifiable information exposes XXXX to statutory and punitive damages for willful or negligent non-compliance. \n\n5. FCRA 1681i ( a ) ( 3 ) ( A ) Refusal to Reinvestigate Without Reason : Your repeated claim that you \" can not locate a record '' is a stall tactic and violates this provision. It is unlawful to refuse investigation unless there is a clear, factual basis which you do not have. \n\n\n\nFINAL DEMAND : I hereby demand that XXXX : Immediately delete the inaccurate and unverifiable bankruptcy record from my credit file Cease all further claims that you can not locate my file this is false, misleading, and unlawful Provide written confirmation of permanent deletion within 15 days Failure to comply will result in an immediate complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil action seeking damages under the FCRA. \n\nRespectfully,","date_sent_to_company":"2025-03-25T00:01:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30310","tags":null,"has_narrative":true,"complaint_id":"12655681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-24T23:54:47.000Z","state":"GA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>Reporting</em> unverifiable public <em>records</em> misrepresents my creditworthiness.\n\n2. FCRA 1681i ( a ) ( 5 ) Failure to Properly <em>Investigate</em> Disputes : <em>Your</em> failure to verify with the source the court is a clear breach of the FCRA. <em>Your</em> refusal to delete this unverifiable item demonstrates failure to perform a reasonable <em>investigation</em>. \n\nXXXX. XXXX ( XXXX XXXX ) <em>Reporting</em> Standards : As a member of the XXXX XXXX XXXX XXXX, XXXX is obligated to <em>report</em> only accurate and verifiable public <em>records</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Public <em>record</em> information inaccurate"]},"sort":[13.667224,"12655681"]},{"_index":"complaint-public-v1","_id":"16733851","_score":13.658869,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting by XXXX Bank Account : XXXX Account ( last four digits : [ insert last 4 of your XXXX card ] ) To Whom It May Concern, I am filing this formal complaint against XXXXXXXX XXXX for inaccurate reporting on my credit file. My XXXX account is being reported in a manner that misrepresents my payment history. I have never missed or made a late payment on this account since its opening. \n\nDespite maintaining a perfect payment record, the account appears to be reported with inaccurate information that may be negatively affecting my credit profile. I request that this account be reviewed and corrected to accurately reflect an on-time payment history with no delinquencies. \n\nPlease contact XXXX XXXX  and confirm that the account is in good standing, with no missed or late payments, and ensure this correction is communicated to all three major credit bureaus ( Experian, Equifax, and TransUnion ). \n\nI have attached supporting documents, including my payment records and account statements, which confirm my timely payment history. \n\nI request a written response confirming that the error has been investigated and corrected as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-21T21:36:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77004","tags":null,"has_narrative":true,"complaint_id":"16733851","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-21T21:36:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I request a written response <em>confirming</em> that the error has been <em>investigated</em> and corrected as required under the Fair Credit <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681i. \n\nThank you for <em>your</em> attention to this matter. \n\nSincerely, XXXX XXXX"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> <em>report</em>"]},"sort":[13.658869,"16733851"]},{"_index":"complaint-public-v1","_id":"16735203","_score":13.652193,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting by XXXX Bank Account : XXXX Account ( last four digits : [ insert last 4 of your XXXX card ] ) To Whom It May Concern, I am filing this formal complaint against XXXXXXXX XXXX for inaccurate reporting on my credit file. My XXXX account is being reported in a manner that misrepresents my payment history. I have never missed or made a late payment on this account since its opening. \n\nDespite maintaining a perfect payment record, the account appears to be reported with inaccurate information that may be negatively affecting my credit profile. I request that this account be reviewed and corrected to accurately reflect an on-time payment history with no delinquencies. \n\nPlease contact XXXX XXXX  and confirm that the account is in good standing, with no missed or late payments, and ensure this correction is communicated to all three major credit bureaus ( Experian, Equifax, and TransUnion ). \n\nI have attached supporting documents, including my payment records and account statements, which confirm my timely payment history. \n\nI request a written response confirming that the error has been investigated and corrected as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-21T21:36:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77004","tags":null,"has_narrative":true,"complaint_id":"16735203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-21T21:32:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I request a written response <em>confirming</em> that the error has been <em>investigated</em> and corrected as required under the Fair Credit <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681i. \n\nThank you for <em>your</em> attention to this matter. \n\nSincerely, XXXX XXXX"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> <em>report</em>"]},"sort":[13.652193,"16735203"]},{"_index":"complaint-public-v1","_id":"14358009","_score":13.635553,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifas has repeatedly responded with a generic boilerplate statement to each complaint I've made against them since XXXX XXXX XXXX that fails to address the substance of my Dispute. I requested a method of verification under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), and they failed to provide any names who was interviewed to confirm this account ( XXXX ), documents, phone numbers or dates to support the verification of this account. This violates my rights under the FCRA, and potentially Regulation F under the FDCPA if multiple parties are collecting different balances on the same alleged debt. I request a full reinvestigation a proper investigation, and DELETION of this account. as copied below is Equifax response to each and every complaint I've made with the CFPB. \n\n\n\" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS. IN REFERENCE TO YOUR QUESTION REGARDING THE INVESTIGATION PROCESS : UPON RECEIPT OF YOUR DISPUTE, WE FIRST REVIEW AND CONSIDER ANY RELEVANT INFORMATION YOU SUBMITTED REGARDING THE NATURE OF YOUR DISPUTE. OFTEN, EQUIFAX WILL THEN TRANSMIT YOUR DISPUTE TO THE FURNISHER OF THE INFORMATION ( IE. THE BANK ASSOCIATED WITH A DISPUTED CREDIT CARD ) FOR REVIEW AND INVESTIGATION. EQUIFAX ELECTRONICALLY SENDS A NOTIFICATION OF YOUR DISPUTE, INCLUDING A SUMMARY OF THE RELEVANT INFORMATION SUBMITTED, TO THE RESPECTIVE FURNISHER. THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY. IN THE CASE OF A PUBLIC RECORD ITEM SUCH AS A JUDGMENT, TAX LIEN OR BANKRUPTCY, EQUIFAX SEEKS THE MOST RECENT FILING ASSOCIATED WITH THE DISPUTED INFORMATION. THIS INFORMATION IS OFTEN OBTAINED FROM A MEDIUM ( IE. PAPER RECORDS OR COMPUTER DATABASE ) PRESCRIBED BY THE SOURCE OF THE INFORMATION ( IE. COURTHOUSE OR OTHER GOVERNMENT ENTITY ). EQUIFAX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. AS APPROPRIATE, EQUIFAX THEN MAKES DELETIONS OR CHANGES TO YOUR CREDIT FILE. THE NAME, ADDRESS AND, IF REASONABLY AVAILABLE, THE TELEPHONE NUMBER OF THE FURNISHER ( S ) /SOURCE ( S ) OF THE INFORMATION CONTACTED WHILE PROCESSING YOUR DISPUTE ( S ) IS SHOWN UNDER THE RESULTS OF YOUR INVESTIGATION SECTION ON THE COVER LETTER THAT ACCOMPANIES THE COPY OF YOUR REVISED CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. ''","date_sent_to_company":"2025-06-29T22:25:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60621","tags":null,"has_narrative":true,"complaint_id":"14358009","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-29T22:12:11.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I request a full reinvestigation a proper <em>investigation</em>, and DELETION of this account. as copied below is Equifax response to each and every <em>complaint</em> I've made with the CFPB. \n\n\n\" Thank you for submitting <em>your</em> <em>complaint</em> through the CFPB <em>Complaint</em> Portal. In <em>your</em> <em>complaint</em>, you indicated that there were inaccurate items <em>reporting</em> on <em>your</em> credit file. Equifax has completed its <em>investigation</em>, including contacting the furnisher of the information, where applicable."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> <em>report</em>"]},"sort":[13.635553,"14358009"]},{"_index":"complaint-public-v1","_id":"16733856","_score":13.624129,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting by XXXX Bank Account : XXXX Account ( last four digits : [ insert last 4 of your XXXX card ] ) To Whom It May Concern, I am filing this formal complaint against XXXXXXXX XXXX for inaccurate reporting on my credit file. My XXXX account is being reported in a manner that misrepresents my payment history. I have never missed or made a late payment on this account since its opening. \n\nDespite maintaining a perfect payment record, the account appears to be reported with inaccurate information that may be negatively affecting my credit profile. I request that this account be reviewed and corrected to accurately reflect an on-time payment history with no delinquencies. \n\nPlease contact XXXX XXXX  and confirm that the account is in good standing, with no missed or late payments, and ensure this correction is communicated to all three major credit bureaus ( Experian, Equifax, and TransUnion ). \n\nI have attached supporting documents, including my payment records and account statements, which confirm my timely payment history. \n\nI request a written response confirming that the error has been investigated and corrected as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-21T21:36:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77004","tags":null,"has_narrative":true,"complaint_id":"16733856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-21T21:36:24.000Z","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":["I request a written response <em>confirming</em> that the error has been <em>investigated</em> and corrected as required under the Fair Credit <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681i. \n\nThank you for <em>your</em> attention to this matter. \n\nSincerely, XXXX XXXX"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> <em>report</em>"]},"sort":[13.624129,"16733856"]},{"_index":"complaint-public-v1","_id":"16936964","_score":13.593674,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally file a complaint regarding an issue with XXXX XXXX XXXX  ( XXXX  ) that has affected my account. On XX/XX/year>, I noticed inaccurate or unfair information being reported to XXXX XXXX XXXX that negatively impacted my banking experience. \n\nAfter discovering the issue, I immediately contacted Capital One customer service to dispute the report and request clarification about the information shared with XXXX. The representative acknowledged my concern and stated that a review would be initiated to verify the accuracy of the data. I also contacted XXXX XXXX XXXX directly to file a dispute and request that they investigate and correct any errors in their records. \n\nDespite these actions, the matter has not yet been resolved, and I am requesting that Capital One conduct a full review of the reporting made to XXXX XXXX XXXX and provide a written response confirming the outcome. \n\nPlease treat this as a formal complaint under your dispute resolution process. I would appreciate confirmation that this issue is being investigated and an estimated timeline for resolution.","date_sent_to_company":"2025-10-30T20:25:38.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"92626","tags":null,"has_narrative":true,"complaint_id":"16936964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-30T20:18:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I also contacted XXXX XXXX XXXX directly to file a dispute and request that they <em>investigate</em> and correct any errors in their <em>records</em>. \n\nDespite these actions, the matter has not yet been resolved, and I am requesting that Capital One conduct a full review of the <em>reporting</em> made to XXXX XXXX XXXX and provide a written response <em>confirming</em> the outcome. \n\nPlease 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