{"took":114,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":69,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3189202","_score":15.4265175,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am in the process of buying a house and there is information in my report that does not belong to me, I have opened several disputes with Experian and their treatment has been hostile and confusing. I have sent documentation to prove that this account is paid, and I have told them several times that it does not belong to me. I contacted XXXX, and told them that I would pay the bill anyway because it was affecting my purchase process and I could not wait for the issue to be resolved. \n\nOnce the account was paid, which is not mine, I proceeded to send the document multiple time to Experian. Their webpage to upload document is complicated and is not friendly. \n\nI proceeded to send the document several times to Experian, its website never worked, is not friendly and has many errors in the process of loading documents, it is not friendly. \n\nAfter indicating several times that the upload was not successful by one of his employees, I asked the representative to stay on the phone with me, and after a lot of insistence worked. At least my browser told me that it had been successful. The representative said no, wait, wait until at last, he said yes. \n\nIt was not technical problems. finally, I upload the documents and was confirmed by one of their employees after he stated several times that the upload was not successful, this has been happening for weeks. he agreed because I told him that I was documenting everything and that I took a screenshot of the page stating that the upload was successful. \n\nAfter getting the document the account still continues with a balance of {$300.00}. XXXX dollars negative in my report despite being paid. \n\nIn my opinion, Experian is giving me a hostile and annoying treatment for having reported them through this agency. Today I just called and they immediately knew who I was without validating other information to validate if it was me, which is not very professional and lack of safety for customers. \n\nI opened several disputes, the last dispute was open after they received the document stating that that account was paid, still, their final answer was the same, nothing change and the total balance on the account is there, and they have removed neither. \n\nI understand that if the account was mine, should be there, and if it is paid should reflect that is paid too. \nI was just trying to move on in my endeavor of moving forward with buying my house, even if I have to pay for something does not belong to me because my idea was that at least it will show that it was paid and bring that account to a better status that is no negative ( highlighted in red ). \n\nIt seems to be that they did not check the document that shows the payment of that account, or they want to keep their behavior of mistreating clients. I won't let them do it, even if you end it up in court, I'm willing to go through this process due to my inalienable right to be treated in a fairway. \n\nThey don't even allow me to put a statement in that account, even that the best step to follow is removed something that does not belong to me, or update the info and put {$0.00} Balance. \n\nI will sue Experian if they continued with their mistreatment and unfair treatment toward me as a client, their decisions affect my personal life and endeavor. \n\nProblem with a personal statement of dispute ( explaining why you disagree with a lender 's decision after an investigation ) Problem with a credit reporting company 's investigation into an existing problem Incorrect information on my report incorrectly shows account balance Information belongs to someone else, but I paid. \nAccount information incorrect Account status incorrect showing delinquent account when it's not Old information reappears or never goes away","date_sent_to_company":"2019-03-23T22:51:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01841","tags":null,"has_narrative":true,"complaint_id":"3189202","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-03-23T21:38:08.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Problem</em> with a <em>personal</em> <em>statement</em> of <em>dispute</em> ( explaining why you disagree with a lender 's decision after an <em>investigation</em> ) <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Incorrect information on my report incorrectly shows account balance Information belongs to someone else, but I paid. \nAccount information incorrect Account status incorrect showing delinquent account when it's not Old information reappears or never goes away"],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[15.4265175,"3189202"]},{"_index":"complaint-public-v1","_id":"14082134","_score":14.759511,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"A Account for XXXX XXXX was made that wasn't me I was in jail ... Inactive modal Inactive modal Submit a complaintStep 2 of 5 What type of problem are you having?\n\nMost of the other personal consumer report complaints we get are about one of the following topics. Select the one that best describes your complaint. You will have the chance to explain your complaint in detail in the next step.\n\nIncorrect information on your report ( account or personal information incorrect, information not mine ) Problem with a company 's investigation into an existing issue Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Identity theft protection or other monitoring services ( billing dispute, unwanted marketing, problem cancelling account ) Which best describes your problem? \n\n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised Have you already tried to fix this problem with the company? \n\n\nYes No Did you request information from the company? \n\n\nYes No PreviousNext Step2 of 5 About us Were the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.\n\nLearn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? \n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday - Friday ( except federal holidays ). \n\nMore than XXXX languages available. \n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). \nMore than 180 languages available.\n\nAn official website of the United States Government Close Privacy Act Statement Privacy Act Statement 5 U.S.C. 552a ( e ) ( 3 ) The information you provide will permit the Consumer Financial Protection Bureau ( CFPB ) to respond to your complaint or inquiry about companies and services we regulate. Information about your complaint or inquiry ( including your personally identifiable information ( PII ) ) may be shared : with the entity that is the subject of your complaint ; with third parties as necessary to get information relevant to responding to your complaint ; with a court, a party in litigation, a magistrate, an adjudicative body or administrative tribunal in the course of a proceeding, or the Department of Justice ; and with other federal or state agencies or regulatory authorities for enforcement and statutory purposes. \nWe may also share your complaint or inquiry ( but not your PII ) with the public through the public Consumer Complaint Database.\n\nAlthough the Bureau does not otherwise anticipate further disclosing the information provided, it may also be disclosed as indicated in the Routine Uses described in the System of Records Notice CFPB.005 Consumer Response System.\n\nThe collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1011, 1012, 1013 ( b ) ( 3 ), 1021, 1034, codified at 12 U.S.C. 5491, 5492, 5493 ( b ) ( 3 ), 5511, 5534. \nSubmitting a complaint is voluntary. You are not required to submit a complaint or share any PII, including your Social Security number, and you may withdraw your complaint at any time. However, if you do not include the requested information, the CFPB may not be able to process your complaint.\n\nInactive modalInactive modal","date_sent_to_company":"2025-06-14T11:29:48.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"14082134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-14T11:11:45.000Z","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":["Incorrect information on your report ( account or <em>personal</em> information incorrect, information not mine ) <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> issue Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Identity theft protection or other monitoring services ( billing <em>dispute</em>, unwanted marketing, <em>problem</em> cancelling account ) Which best describes your <em>problem</em>?"],"product":["Payday loan, title loan, <em>personal</em> loan, or advance loan"],"sub_product":["<em>Personal</em> line of credit"]},"sort":[14.759511,"14082134"]},{"_index":"complaint-public-v1","_id":"12150515","_score":14.327716,"_source":{"product":"Checking or savings account","complaint_what_happened":"During the period from XX/XX/XXXX, until XX/XX/year>, I had discontinued utilizing XXXX XXXX as a primary broker. I was unaware at the time however charges began without my knowledge fraudulently being drafted out of my checking and debit accounts which were previously linked to XXXX XXXX. I returned from XXXX in XXXX and realized thousands of dollars were drafted and utilize in transactions in XXXX XXXX without my authorization. \n\nThe account was hacked & compromised from the evidence that I gathered showed users in XXXX XXXX and XXXX associated with the account. I asked XXXX XXXX to investigate the matter and they wanted me to submit a detailed description of what happened and I submitted my inquiry however XXXX XXXX didnt take necessary steps to resolve my complaint even after providing evidence of a hacked account, so I went to my bank USAA to dispute the charges from XXXX XXXX XXXX Fraudulent. \n\nTotal charges are in debit purchases were XXXX And XXXX purchases of XXXX Totaling XXXX I filed the dispute and submitted supplementary documents to the bank and initially the bank responded with provisional credits applying them and then removing the provisional credits twice throughout the investigation, the bank also made the error of applying credits that werent due which made identifying the fraud on the account a challenge. \n\nThe bank has refused to accept the transactions as fraudulent as XXXX XXXX submitted a statement of authorized charges, the problem is that the charges were not authorized by me and someone had fraudulently hacked into my account as previously mentioned. Evidence of other users on the XXXX website can be identified. \n\nXXXX XXXX has subsequently XXXX my account and no longer have a brokerage account with them. Because of the compromised account I have to submit personal information including a drivers license to reclaim my account which I refuse to do due to the security of my account being compromised. My checking balance has a negative balance and the bank is in process of damaging my credit history. \n\nThe consumer should not be held liable for fraud and this complaint is for the existing fraud for unauthorized charges on my checking account with USAA.","date_sent_to_company":"2025-02-20T19:52:04.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"767XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12150515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-02-20T18:43:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The bank has refused to accept the transactions as fraudulent as XXXX XXXX submitted a <em>statement</em> of authorized charges, the <em>problem</em> is that the charges were not authorized by me and someone had fraudulently hacked into my account as previously mentioned. Evidence of other users on the XXXX website can be identified. \n\nXXXX XXXX has subsequently XXXX my account and no longer have a brokerage account with them."],"issue":["<em>Problem</em> with a lender or other company charging your account"]},"sort":[14.327716,"12150515"]},{"_index":"complaint-public-v1","_id":"6283041","_score":12.990977,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian credit Bureau is refusing to investigate on existing problem. \nThis is not a duplicate complaint and I'm representing myself, by myself. \nThis credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. \n\nIt is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. \nThe trade line listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating this account. \n\nI have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. The law says that you must block these accounts while being investigated, and I expect that you will do so. \nIn accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate.\n\nAccording to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, this account doesn't belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that this listed account and items be BLOCKED and DELETED!","date_sent_to_company":"2022-12-05T19:08:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60015","tags":null,"has_narrative":true,"complaint_id":"6283041","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-12-05T18:55:14.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Experian credit Bureau is refusing to <em>investigate</em> on <em>existing</em> <em>problem</em>. \nThis is not a duplicate complaint and I'm representing myself, by myself. \nThis credit <em>dispute</em> is being submitted as a new evidence <em>dispute</em>. The accounts that are being <em>disputed</em>, does not belong to me. The below is my sworn <em>statement</em> concerning these credit issues."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Problem</em> with <em>personal</em> <em>statement</em> of <em>dispute</em>"]},"sort":[12.990977,"6283041"]},{"_index":"complaint-public-v1","_id":"3142429","_score":12.258712,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Problem with a credit reporting company 's investigation into an existing problem Originally my issue was : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request VALIDATION of the debt the consumer claims that that I owe you. Ive requested proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. It was NOT a request for verification or proof of my mailing address, but a request for VALIDATION ( as shown in my letter dated XXXX XX/XX/XXXX XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that the consumers offices provide me with competent evidence that I have any legal obligation to pay them. Attached you will find documentation of this consumer : Falsely giving random numbers of debt Falsely creating fraudulent invoices The original invoice does not contain my name or information at all Not being able to provide me with a copy of any viable evidence, contracts bearing my signature and additional proof that I agreed to this accounts creation. Till now, They have continue to report invalidated information two major credit bureaus ( Equifax ), this action constitute fraud under both federal and state  laws. Due to this, negative mark was found and continued to report on my credit reports by XXXX XXXX XXXX and have established a Violation of the Fair Debt Collection Practices Act and Defamation of Character. The bureaus have not been able to elaborate on the method of validation. Ive only received 3 out of 8 times that it was VERIFIED. There has been 5 out of 8 times where I have not received a response at all. This account obviously can not be VALIDATED and I want this account REMOVED from my credit report. Their response was : Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB XXXX XXXX. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated that you have requested proof that an account belongs to you but have not received any evidence. You would like the account removed from your credit report. Our research indicates that you contacted us previously to request a reinvestigation regarding the disputed item. We had previously placed the item under reinvestigation per your request, on XX/XX/XXXX. The data furnisher responded and verified that the disputed information was accurate as reported. The results summary was sent to you for review on XX/XX/XXXX. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Equifax for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office name who verified that information. Please note that there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The XXXX XXXX XXXX XXXX, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Equifax. THE PROBLEM : I have provide evidence that : this consumer could not provide this unverifiable debt belongs to me. this consumer has increase this unknown debt upon the first dispute on the account. this consumer sent invoices showing random numbers with the first invoice, not even showing my name. Equifax only updated an amount that the consumer reported without a thorough investigation. I know it wasn't thorough because I've provided proof that this company has been reporting false amounts and payments when I'VE NEVER HAD ANY ACKNOWLEDGMENT of this account. Equifax has not provided me information on how they've talked to within this company, what documentation they have on file that shows my original signature, I'M POSITIVE they can not show any transactions to support these false amount. This account SHOULD NOT be on my report and has exhibit a defamation of character. I WANT THIS ACCOUNT REMOVED.","date_sent_to_company":"2019-02-04T22:20:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78233","tags":"Servicemember","has_narrative":true,"complaint_id":"3142429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-02-04T22:14:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Originally my issue was : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request VALIDATION of the debt the consumer claims that that I owe you. Ive requested proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[12.258712,"3142429"]},{"_index":"complaint-public-v1","_id":"3701481","_score":12.116231,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint involves EXPERIAN : I submitted the complaint below and experian fraudulently provided the following response, \" Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' I am requesting Experian provide the bases for their allegation the complaint was not authorized by me. This is another example of Experian 's obfuscation in dealing with credit matters in good faith and validates they are unmitigated liars in all their conduct, on information or belief. Experian appears to represent an ongoing criminal enterprise in which they conspire with the lenders to inflate credit scores, interest rates which in turn negatively impacts the national economy. \n____________________________________________________________________l Previously submitted complaint Experian failed to investigate.\n\nThis complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported. \n\nATTACHMENTS Credit Cards.pdf ( 125.9 KB ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? \n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes What happened? \nThis complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported.\n\nI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \n\n\n\n\n\n\nWhat would be a fair resolution to this issue? \nI am seeking a fair resolution to have all three of the attached accounts reported on each of my three credit bureau reports. All of the cards reflect favorably to my credit score, Without these accounts being reported, my scores are being artificially XXXX  thereby increasing my cost of credit. With 40.5 million people out of work, the three credit bureaus should be doing more to help and assist, but I believe their primary  client, the financial industry are their main concern. \n1 attachment View uploaded documents by clicking on the file name Credit Cards.pdf ( 125.9 KB )  What company is this complaint about? \nCOMPANY INFORMATION EXPERIAN SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX ADDITIONAL COMPANY XXXX  SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? \ntrue ATTEMPTED TO FIX WITH THIS COMPANY? \nYes ADDITIONAL CREDIT REPORTING COMPANY XXXX  SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? \nYes ATTEMPTED TO FIX WITH THIS COMPANY? \nYes What people are involved? \n\nYOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX United States Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, \" if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. You also may write to us at the address on your Experian personal credit report. Be sure to include the following information : Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible and displays your name and current mailing address and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions, or postal service forwarding orders as proof of your address and identity. To protect your personal information, Experian requires your authorization for any request on your behalf and we do not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Include the account name and number for any item on your credit report that you wish to dispute, and state the specific reason why you feel the information is inaccurate. The dispute process may take up to 30 days ( 45 days when disputing information in your annual free credit report ). Once we complete the processing of your dispute, we will promptly notify you of the outcome. In addition, there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.","date_sent_to_company":"2020-06-16T19:17:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37075","tags":null,"has_narrative":true,"complaint_id":"3701481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-06-16T19:07:15.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting, credit repair services, or other <em>personal</em> consumer reports TYPE Credit reporting What type of <em>problem</em> are you having? \n\nISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes What happened? \nThis complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[12.116231,"3701481"]},{"_index":"complaint-public-v1","_id":"3432976","_score":10.995531,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX  CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR PRESTIGE FINANCIAL S THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX  AT THIS TIME. \nThis is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to  obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX  provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX  regularly furnishes consumer credit reports to Creditors electronically. XXXX  is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. \nXXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX  at the address specified for such disputes that XXXX  is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. \nXXXX  has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX  receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX  s policy and practice only to compare the name, social security number, date of birth, and address in XXXX  s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX  will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX  s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX  collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX  s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX   continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX  at the address specified by XXXX  to dispute information furnished by XXXX  to a Creditor and to notify XXXX  that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nPRESTIGE FINANCIAL S is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX  states that PRESTIGE FINANCIAL S is the one responsible for removing this information from my credit report. As it currently stands XXXX  nor PRESTIGE FINANCIAL S has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by PRESTIGE FINANCIAL S and are being reported by XXXX. \nInquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.","date_sent_to_company":"2019-11-08T20:21:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3432976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PRESTIGE FINANCIAL SERVICES INC","date_received":"2019-11-08T20:19:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX  s policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.995531,"3432976"]},{"_index":"complaint-public-v1","_id":"3433163","_score":10.97833,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX  CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR USAA FSBCC THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX  AT THIS TIME. \nThis is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX  provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX  regularly furnishes consumer credit reports to Creditors electronically. XXXX  is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. \nXXXX  routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX  at the address specified for such disputes that XXXX  is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. \nXXXX  has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX  receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX  s policy and practice only to compare the name, social security number, date of birth, and address in XXXX  s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX  will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX  s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX  collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX  s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX   continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX  at the address specified by XXXX  to dispute information furnished by XXXX  to a Creditor and to notify XXXX  that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nUSAA FSBCC is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX  states that USAA FSBCC is the one responsible for removing this information from my credit report. As it currently stands XXXX  nor USAA FSBCC has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by USAA FSBCC and are being reported by XXXX. \nInquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.","date_sent_to_company":"2019-11-08T20:24:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3433163","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2019-11-08T20:21:53.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX  s policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.97833,"3433163"]},{"_index":"complaint-public-v1","_id":"3433156","_score":10.976892,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR  NAVY FCU THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME. \nThis is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. \nXXXX  routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. \nXXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXXXXXX XXXX   policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX   XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX  at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX  that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nNAVY FCU is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX  states that NAVY FCU is the one responsible for removing this information from my credit report. As it currently stands XXXX  nor NAVY FCU has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by NAVY FCU and are being reported by XXXX. \nInquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.","date_sent_to_company":"2019-11-08T18:19:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3433156","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2019-11-08T18:16:56.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX   XXXX policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.976892,"3433156"]},{"_index":"complaint-public-v1","_id":"3433007","_score":10.976892,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR HYUNDAI MOTOR FINANCE THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX   THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME. \nThis is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX  regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. \nXXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX  is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. \nXXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX   XXXX  receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX  website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX  s policy and practice only to compare the name, social security number, date of birth, and address in XXXX  s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX  will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX  s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX  collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.\n\nIn disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX  continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX  at the address specified by XXXX   to dispute information furnished by XXXX  to a Creditor and to notify XXXX  that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nHYUNDAI MOTOR FINANCE is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX  states that HYUNDAI MOTOR FINANCE is the one responsible for removing this information from my credit report. As it currently stands XXXX  nor HYUNDAI MOTOR FINANCE has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by HYUNDAI MOTOR FINANCE and are being reported by XXXX. \nInquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.","date_sent_to_company":"2019-11-08T20:39:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3433007","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2019-11-08T20:36:49.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX s policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.976892,"3433007"]},{"_index":"complaint-public-v1","_id":"3433002","_score":10.976892,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR GATEWAY ONE LENDING THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME.\n\nThis is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX  provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX  regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. \nXXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX  receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX  website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX  XXXX policy and practice only to compare the name, social security number, date of birth, and address in XXXX  XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX  XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX  XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX  continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX  at the address specified by XXXX  to dispute information furnished by XXXX  to a Creditor and to notify XXXX that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).\n\nGATEWAY ONE LENDING is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that GATEWAY ONE LENDING is the one responsible for removing this information from my credit report. As it currently stands XXXX  nor GATEWAY ONE LENDING has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by GATEWAY ONE LENDING and are being reported by XXXX. \nInquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.","date_sent_to_company":"2019-11-08T20:33:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3433002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TCF NATIONAL BANK","date_received":"2019-11-08T20:30:36.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX  XXXX policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.976892,"3433002"]},{"_index":"complaint-public-v1","_id":"3432992","_score":10.976892,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX  CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR REGIONAL ACCEPTANCE THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX  AT THIS TIME.\n\nThis is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX  provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX  regularly furnishes consumer credit reports to Creditors electronically. XXXX  is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers.\n\nXXXX  routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX  at the address specified for such disputes that XXXX  is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX  Data B\nreach I expect the information in my consumer report to be accurate and my disputes taken seriously. \nXXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX  receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX  website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX  s policy and practice only to compare the name, social security number, date of birth, and address in XXXX  XXXX   computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX  XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX   collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX  XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX  at the address specified by XXXX  to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).\n\nREGIONAL ACCEPTANCE is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX  states that REGIONAL ACCEPTANCE is the one responsible for removing this information from my credit report. As it currently stands XXXX nor REGIONAL ACCEPTANCE has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by REGIONAL ACCEPTANCE and are being reported by XXXX. \nInquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.","date_sent_to_company":"2019-11-13T16:32:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3432992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BB&T CORPORATION","date_received":"2019-11-08T20:39:17.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX  XXXX policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.976892,"3432992"]},{"_index":"complaint-public-v1","_id":"3433005","_score":10.974903,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX  CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR CONSUMER PORTFOLIO SERVICES THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX  AT THIS TIME. \nThis is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX  provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX  regularly furnishes consumer credit reports to Creditors electronically. XXXX  is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. \nXXXX  routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX  at the address specified for such disputes that XXXX  is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. \nXXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX  receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX  website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX  s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX  will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX  collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX  s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX  continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any XXXXreditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX  at the address specified by XXXX  to dispute information furnished by XXXX  to a Creditor and to notify XXXX  that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute  unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nCONSUMER PORTFOLIO SERVICES is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX  states that CONSUMER PORTFOLIO SERVICES is the one responsible for removing this information from my credit report. As it currently stands XXXX  nor CONSUMER PORTFOLIO SERVICES has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of  limitation. The following outdated inquiries are being furnished by CONSUMER PORTFOLIO SERVICES and are being reported by XXXX. \nInquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.","date_sent_to_company":"2019-11-08T20:45:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3433005","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Portfolio Services, Inc.","date_received":"2019-11-08T20:42:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX  s policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.974903,"3433005"]},{"_index":"complaint-public-v1","_id":"3432997","_score":10.974903,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR TD BANK XXXX XXXX THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX  AT THIS TIME. \nThis is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to  obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX  provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX  regularly furnishes consumer credit reports to Creditors electronically. XXXX  is an entity who regularly and in the ordinary course of business furnishes information to XXXX  or more Creditors about its transactions or experiences with its consumers. \nXXXX  routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX  at the address specified for such disputes that XXXX  is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. \nXXXX  has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX  receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX  website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX  s policy and practice only to compare the name, social security number, date of birth, and address in XXXX  s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX  will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX  collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX  s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX   continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX  at the address specified by XXXX  to dispute information furnished by XXXX  to a Creditor and to notify XXXX  that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nTD BANK XXXX XXXX is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX  states that TD BANK XXXX XXXX is the one responsible for removing this information from my credit report. As it currently stands XXXX  nor TD BANK XXXX XXXX has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by TD BANK XXXX XXXX and are being reported by XXXX. \nInquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.","date_sent_to_company":"2019-11-08T20:15:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3432997","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2019-11-08T20:13:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX  s policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.974903,"3432997"]},{"_index":"complaint-public-v1","_id":"3433057","_score":10.959925,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint is in response to recent knowledge I, XXXX XXXX XXXX, received on XX/XX/XXXX of a debt being claimed against me as reported on my credit report with XXXX, XXXX   and XXXX. \nTHIS COMPLAINT IS IN REGARD TO A COLLECTION ACCOUNT EXISTING ON MY XXXX   CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST SECURITY CREDIT SERVICE THAT IS FURNISHING THIS UNVERIFIED AND INVALID INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX  AT THIS TIME. \nThis is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX  provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX  regularly furnishes consumer credit reports to Creditors electronically. XXXX  is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. \nXXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX  at the address specified for such disputes that XXXX  is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. \nXXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX  receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX  s policy and practice only to compare the name, social security number, date of birth, and address in XXXX  s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX  s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX  to dispute information furnished by XXXX  to a Creditor and to notify XXXX that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nSECURITY CREDIT SERVICE is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX  states that SECURITY CREDIT SERVICE is the one responsible for removing, updating and validating this information. As it currently stands XXXX  nor SECURITY CREDIT SERVICE has validated or verified the accuracy of this account. They also failed to remove the unverified account from my credit report. The following unvalidated/unverified account is being furnished by SECURITY CREDIT SERVICE and are being reported by XXXX. \nAccount Reported Date Account listed as XX/XX/XXXX As of XX/XX/XXXX this account is still being reported.","date_sent_to_company":"2019-11-08T21:12:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3433057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2019-11-08T21:09:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX  s policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."]},"sort":[10.959925,"3433057"]},{"_index":"complaint-public-v1","_id":"3432977","_score":10.959925,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR SPRINGLEAF CONSUMER THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME. \nThis is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p,  to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX  is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. \nXXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX  at the address specified for such disputes that XXXX  is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXXS Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. \nXXXX  has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX  receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXXS  website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX  s policy and practice only to compare the name, social security number, date of birth, and address in XXXX  s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX  will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX  collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX  s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX  continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX  at the address specified by XXXX  to dispute information furnished by XXXX  to a Creditor and to notify XXXX  that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nSPRINGLEAF CONSUMER is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX  states that SPRINGLEAF CONSUMER is the one responsible for removing this information from my credit report. As it currently stands XXXX  nor SPRINGLEAF CONSUMER has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by SPRINGLEAF CONSUMER and are being reported by XXXX. \nInquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.","date_sent_to_company":"2019-12-09T12:34:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3432977","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ONEMAIN FINANCE CORPORATION","date_received":"2019-11-08T20:28:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX  s policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.959925,"3432977"]},{"_index":"complaint-public-v1","_id":"3432628","_score":10.403047,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR CAPITAL ONE BANK USA aka CAPITAL ONE THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME.\n\nThis is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \n\nXXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. \n\nXXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. \n\nXXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX   website. \n\nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX   s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX   collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX   will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).\n\nCAPITAL ONE BANK USA aka CAPITAL ONE is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that CAPITAL ONE BANK USA aka CAPITAL ONE is the one responsible for removing this information from my credit report. As it currently stands XXXX nor CAPITAL ONE BANK USA aka CAPITAL ONE has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by CAPITAL ONE BANK USA aka CAPITAL ONE and are being reported by XXXX \n\nInquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.","date_sent_to_company":"2019-11-08T17:24:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3432628","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-11-08T17:15:10.000Z","state":"TX","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX s policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX   will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.403047,"3432628"]},{"_index":"complaint-public-v1","_id":"3430842","_score":10.033328,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.\n\nXXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX  is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt.\n\nIn numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX   reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website.\n\nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX  collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.\n\nIn disputes involving identity theft or fraud allegations, XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification.\n\nIn numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer.\n\nSection 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate.\n\nIn numerous instances, I have contacted Defendant XXXX  at the address specified by XXXX  to dispute information about them furnished by XXXX  to a Creditor and to notify XXXX that the information is inaccurate.\n\nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity.\n\nThe acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).\n\nThis creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX   states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.","date_sent_to_company":"2019-11-07T06:51:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3430842","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PRESTIGE FINANCIAL SERVICES INC","date_received":"2019-11-07T01:51:30.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX XXXX policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.033328,"3430842"]},{"_index":"complaint-public-v1","_id":"3430831","_score":10.033328,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX   regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt. \nIn numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX XXXX policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX  will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX  XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX  XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. \nIn numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX   continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. \nSection 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. \nIn numerous instances, I have contacted Defendant XXXX at the address specified by XXXX  to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. \nThe acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nThis creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.","date_sent_to_company":"2019-11-07T06:45:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3430831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2019-11-07T01:45:51.000Z","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":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX  XXXX policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.033328,"3430831"]},{"_index":"complaint-public-v1","_id":"3430826","_score":10.033328,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.\n\nXXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt.\n\nIn numerous instances, I have notified XXXX at the address specified for such disputes that XXXX  is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX  has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX   reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website.\n\nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX  will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX  s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.\n\nIn disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification.\n\nIn numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer.\n\nSection 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate.\n\nIn numerous instances, I have contacted Defendant XXXX at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate.\n\nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity.\n\nThe acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).\n\nThis creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX   states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.","date_sent_to_company":"2019-11-07T06:35:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3430826","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-11-07T01:32:21.000Z","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":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX s policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.033328,"3430826"]},{"_index":"complaint-public-v1","_id":"3430819","_score":10.033328,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX  provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX  regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX   routinely receives complaints from consumers who claim they do not owe the debt. \nIn numerous instances, I have notified XXXX  at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX  Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX  reporting the information. XXXX  receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX  XXXX policy and practice only to compare the name, social security number, date of birth, and address in XXXX  XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX  will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX  XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX  collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX  XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. \nIn numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX  continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. \nSection 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. \nIn numerous instances, I have contacted Defendant XXXX   at the address specified by XXXX to dispute information about them furnished by XXXX  to a Creditor and to notify XXXX  that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. \nThe acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nThis creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX  states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.","date_sent_to_company":"2019-11-07T06:31:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3430819","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-11-07T00:58:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX  XXXX policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.033328,"3430819"]},{"_index":"complaint-public-v1","_id":"3430802","_score":10.015357,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX  regularly furnishes consumer credit reports to Creditors electronically. XXXX  is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt. \nIn numerous instances, I have notified XXXX  at the address specified for such disputes that XXXX  is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX  has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX reporting the information. XXXX  receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX  s policy and practice only to compare the name, social security number, date of birth, and address in XXXX  s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX  will report to the Consumer that it has verified the information it furnished as accurate. It is EQUIFAX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX  s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any investigation prior to such verification. \nIn numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX  continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. \nSection 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. \nIn numerous instances, I have contacted Defendant XXXX  at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX  that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. \nThe acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nThis creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX  states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.","date_sent_to_company":"2019-11-29T12:04:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3430802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-11-07T01:31:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX  s policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.015357,"3430802"]},{"_index":"complaint-public-v1","_id":"3430833","_score":10.013155,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX   regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt. \nIn numerous instances, I have notified XXXX at the address specified for such disputes that XXXX  is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX  Data Breach I  expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX  has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX XXXX policy and  practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX  XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any investigation prior to such verification. \nIn numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX   continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. \nSection 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. \nIn numerous instances, I have contacted Defendant XXXX at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. \nThe acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nThis creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.","date_sent_to_company":"2019-11-07T06:41:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3430833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2019-11-07T01:41:32.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX XXXX policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX  will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.013155,"3430833"]},{"_index":"complaint-public-v1","_id":"3430825","_score":10.013155,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX   regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt.\n\nIn numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX  reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website.\n\nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX XXXX policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.\n\nIn disputes involving identity theft or fraud allegations, XXXX XXXX  policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification.\n\nIn numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer.\n\nSection 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate.\n\nIn numerous instances, I have contacted Defendant XXXX at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate.\n\nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity.\n\nThe acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).\n\nThis creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.","date_sent_to_company":"2019-11-07T06:32:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3430825","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Conn's, Inc.","date_received":"2019-11-07T01:31:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX XXXX  policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.013155,"3430825"]},{"_index":"complaint-public-v1","_id":"3430816","_score":10.013155,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. \nXXXX  provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX  is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX  routinely receives complaints from consumers who claim they do not owe the debt. \nIn numerous instances, I have notified XXXX  at the address specified for such disputes that XXXX  is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX  Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX  has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX  reporting the information. XXXX  receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website. \nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX  s policy and practice only to compare the name, social security number, date of birth, and address in XXXX  s computer database with the information provided on ACDV forms. Where three of the four items  match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX  collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. \nIn disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. \nIn numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. \nSection 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. \nIn numerous instances, I have contacted Defendant XXXX  at the address specified by XXXX   to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. \nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. \nThe acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). \nThis creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX  states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.","date_sent_to_company":"2019-11-08T13:29:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3430816","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2019-11-07T01:42:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In <em>disputes</em> involving identity theft or fraud allegations, XXXX s policies provide that if the <em>existing</em> account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any <em>investigation</em> prior to such verification."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[10.013155,"3430816"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":69,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":69}]}},"product":{"doc_count":69,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":35,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":34},{"key":"Credit repair services","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":20},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt 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service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"International money transfer","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}}]}},"issue":{"doc_count":69,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Old information reappears or never goes away","doc_count":10},{"key":"Account information incorrect","doc_count":7},{"key":"Information belongs to someone else","doc_count":4},{"key":"Account 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