{"took":650,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":25,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6966520","_score":25.174667,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Experian Information Solutions Inc . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Experian Information Solutions Inc . \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open ComXXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:10:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-11T17:10:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \n<em>XX/XX</em>/2023 - <em>Open</em> Com<em>XXXX</em> response is in <em>progress</em> as of <em>XX/XX</em>/2023 CFPB REPORT # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX</em>/2023 <em>XXXX</em> <em>Open</em> Company response is in <em>progress</em> as of <em>XX/XX</em>/2023 As you can see, all the disputes were <em>opened</em> by the COMPANY on XX/XX/<em>XXXX</em> - <em>XX/XX</em>/2023 and were in <em>PROGRESS</em> of RESPONDING."],"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>Investigation</em> took more than 30 days"]},"sort":[25.174667,"6966520"]},{"_index":"complaint-public-v1","_id":"6966521","_score":25.117785,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information XXXX your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:10:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966521","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-11T17:10:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["into an <em>existing</em> <em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \n<em>XX/XX</em>/2023 - <em>Open</em> Company response is in <em>progress</em> as of <em>XX/XX</em>/2023 CFPB REPORT # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Equifax Information Services LLC <em>XX/XX</em>/2023 <em>XXXX</em> <em>Open</em> Company response is in <em>progress</em> as of <em>XX/XX</em>/2023 As you can see, all the disputes were <em>opened</em> by the COMPANY on XX/XX/<em>XXXX</em> - <em>XX/XX</em>/2023 and were in <em>PROGRESS</em> of RESPONDING."],"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>Investigation</em> took more than 30 days"]},"sort":[25.117785,"6966521"]},{"_index":"complaint-public-v1","_id":"6966689","_score":24.936188,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your reporXXXX XXXX XXXXfXXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:09:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-11T16:26:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>XX/XX</em>/2023 - <em>XXXX</em> <em>XXXX</em> response is in <em>progress</em> as of <em>XX/XX</em>/2023 CFPB REPORT # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX</em>/2023 <em>XXXX</em> <em>Open</em> Company response is in <em>progress</em> as of <em>XX/XX</em>/2023 As you can see, all the disputes were <em>opened</em> by the COMPANY on XX/XX/<em>XXXX</em> - <em>XX/XX</em>/2023 and were in <em>PROGRESS</em> of RESPONDING."],"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>Investigation</em> took more than 30 days"]},"sort":[24.936188,"6966689"]},{"_index":"complaint-public-v1","_id":"4325206","_score":24.377703,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is all described in an existing open complaint, but I want to note that THIS ERRONEOUS CREDIT REPORT TRADELINE WAS UPDATED BY THE CREDITOR ON XX/XX/XXXX, AND WAS UPDATED BY EXPERIAN 'S COMPETITOR 'S XXXX  AND XXXX ON XX/XX/2021. And yet here we are a month and a half later, and two complaints to CFPB later, and with it resolved ON MY CREDIT REPORT, and yet Experian claims they are still investigating. What is it that they are investigating? So I note that they have failed to complete an investigation within the 30 days required by law, in addition to LYING ABOUT DOING ANY INVESTIGATION WHATSOEVER INTO MY DISPUTED TRADELINE. Had they done any investigation, they would have updated the report on XX/XX/XXXX with the correct balance and closed notation, just like the other reporting agencies. They really are claiming to investigate and NOT INVESTIGATING. And at this point, THERE IS NOTHING TO INVESTIGATE, yet they are lying to CFPB and to me, and CFPB is allowing them to get away with it. Here 's my prior complaint on their same FAILURE TO INVESTIGATE A MINOR DISPUTED ACCOUNT TRADELINE. \n\nXXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Open Company response is in progress as of XX/XX/2021","date_sent_to_company":"2021-04-24T04:45:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"295XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4325206","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-04-24T00:35:48.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["And at this point, THERE IS NOTHING TO <em>INVESTIGATE</em>, yet they are lying to CFPB and to me, and CFPB is allowing them to get away with it. Here 's my prior complaint on their same FAILURE TO <em>INVESTIGATE</em> A MINOR DISPUTED ACCOUNT TRADELINE. \n\n<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EXPERIAN <em>XX/XX</em>/2021 <em>Open</em> Company response is in <em>progress</em> as of <em>XX/XX</em>/2021"],"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>Investigation</em> took more than 30 days"]},"sort":[24.377703,"4325206"]},{"_index":"complaint-public-v1","_id":"6262136","_score":23.559517,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This enrty below was submitted thru your portal and the sent to Experian, I called them and they said they never recieved it. We both Know this a stall tactic or lie. I expect you to hold the accountable for violating my rights and now have the information removed since they did not comply with my reqest. \n\nXXXX XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2022 Open Company response is in progress as of XX/XX/2022 The never did anythong and said they never ecieved this. \n\nI am resending a new request but want this file deleted for non complincy with in the 30 day period","date_sent_to_company":"2022-11-30T18:01:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85260","tags":null,"has_narrative":true,"complaint_id":"6262136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-30T17:51:10.000Z","state":"AZ","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":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EXPERIAN <em>XX/XX</em>/2022 <em>Open</em> Company response is in <em>progress</em> as of <em>XX/XX</em>/2022 The never did anythong and said they never ecieved this. \n\nI am resending a new request but want this file deleted for non complincy with in the 30 day period"],"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":[23.559517,"6262136"]},{"_index":"complaint-public-v1","_id":"4621608","_score":20.09069,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX from Experian, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX rate. Now there are XXXX reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX  XXXX XXXX  XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed XXXX XXXX XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-08-11T17:06:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Need some- Submit a Complaint Your complaints <em>XXXX</em> Credit reporting Incorrect information on your report <em>XXXX</em>  <em>XX/XX</em>/2021 <em>Open</em> Sent to company <em>XXXX</em> Credit reporting Incorrect information on your report <em>XXXX</em>  <em>XX/XX</em>/2021 <em>Open</em> Sent to company <em>XXXX</em> Credit reporting Incorrect information on your report EXPERIAN <em>XX/XX</em>/2021 <em>Open</em> Sent to company <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em>  <em>XX/XX</em>/2021 <em>Open</em> Company response is in <em>progress</em> as"]},"sort":[20.09069,"4621608"]},{"_index":"complaint-public-v1","_id":"4621746","_score":20.09038,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX  from XXXX, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX  range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX  rate. Now there are 117 reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company XXXX is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX XXXX XXXX XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-08-11T17:32:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Need some- Submit a Complaint Your complaints <em>XXXX</em> Credit reporting Incorrect information on your report <em>XXXX</em>  <em>XX/XX</em>/2021 <em>Open</em> Sent to company <em>XXXX</em> Credit reporting Incorrect information on your report EQUIFAX <em>XX/XX</em>/2021 <em>Open</em> Sent to company <em>XXXX</em> Credit reporting Incorrect information on your report <em>XXXX</em>  <em>XX/XX</em>/2021 <em>Open</em> Sent to company <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em>  <em>XX/XX</em>/2021 <em>Open</em> Company <em>XXXX</em> is in <em>progress</em> as of <em>XX</em>"]},"sort":[20.09038,"4621746"]},{"_index":"complaint-public-v1","_id":"16228424","_score":11.935965,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"A ) CFPB Online Complaint Credit Reporting What is your complaint about? \n\nCredit reporting or credit repair services Credit reporting Problem with a credit reporting companys investigation into an existing problem Incorrect information on your report Public record information Companies youre complaining about ( add multiple ) : TransUnion LLC ( credit reporting company ) Equifax Information Services LLC ( credit reporting company ) XXXX XXXXXXXX XXXX XXXX XXXX ( credit reporting company )  XXXX XXXX XXXX XXXX XXXX ( credit reporting company ) ( XXXX but recommended as a second complaintsee Part B ) : XXXX XXXX XXXX XXXX XXXX ( public records furnishing ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Describe what happened ( consumer narrative ) : I am disputing a XXXX XXXX bankruptcy public record that appears on my TransUnion and Equifax credit files. XXXX does not report any bankruptcy, which shows a cross-bureau inconsistency. \n\nDisputed items : TransUnion : XXXX XXXX Bankruptcy Dismissed ; Date Filed/Reported XX/XX/XXXX ; Closing XX/XX/XXXX ; Court : XXXX Bankruptcy XXXX XXXX XXXX XXXX. \nEquifax : Chapter XXXX Bankruptcy Dismissed ; Date Filed/Reported XX/XX/XXXX ; Closing ; Court : Federal ; Ref XXXX ; Remarks : XXXX disputes reinvestigation in progress. \nXX/XX/XXXX : No bankruptcy reporting ( cross-bureau inconsistency ). \n\nWhy this is inaccurate/unverifiable : Courts do not report to credit bureaus. I contacted the court and the clerk confirmed the court does not furnish data to credit bureaus. Yet TransUnion/Equifax notes imply verified through the courts, which is misleading.\n\nCross-bureau conflict : one bureau reports no bankruptcy while others do, violating the maximum possible accuracy requirement. \n\nNo underlying negative debt : My current credit summary shows 0 derogatories, 0 collections, 0 delinquencies with XXXX total accounts ( TU/XX/XX/XXXX/EQ ) and XXXX open accounts ; balances are consistent ( {$17000.00} across all three ). A bankruptcy absent corroborating delinquent trade lines is illogical and misleading. \n\nIdentity-theft/mixed-file indicators : I submitted FTC Identity Theft Report ID XXXX ( XX/XX/XXXX ). Under FCRA 605B, identity-theft items must be blocked. \n\nPrior disputes & requests ( XX/XX/XXXX ) : I mailed formal disputes to each CRA demanding deletion, Method of Verification ( MOV ), and correction of my personal information ( Metro 2 Code 112 ). I requested disclosure of any public-records vendor used ( e.g.XX/XX/XXXX ) and the exact identifiers/documents used to link the court record to me.\n\nFCRA provisions at issue : 607 ( b ) ( maximum possible accuracy ), 609 ( a ) ( 1 ) ( source disclosure ), 611 & 611 ( a ) ( 6 ) ( B ) ( iii ) ( reasonable reinvestigation & MOV ), 611 ( a ) ( 5 ) ( B ) ( reinsertions ), and 605B ( identity-theft blocking ). \n\nHarm : False public record depresses my creditworthiness and exposes me to denials/higher rates.","date_sent_to_company":"2025-09-28T15:51:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"16228424","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-28T15:31:37.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Credit reporting or credit repair services Credit reporting <em>Problem</em> with a credit reporting companys <em>investigation</em> into an <em>existing</em> <em>problem</em> Incorrect information on your report Public record information Companies youre complaining about ( add multiple ) : TransUnion LLC ( credit reporting company ) Equifax Information Services LLC ( credit reporting company ) <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( credit reporting company )  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( credit reporting company ) ( <em>XXXX</em> but recommended as"]},"sort":[11.935965,"16228424"]},{"_index":"complaint-public-v1","_id":"4414707","_score":11.557945,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I removed names and addresses and phone numbers from their response. \n\nI submitted a complaint through the cfpb trying to seek resolution to an on going issue with discover card. The response I recieved provided no resolution and only a promise to take the issue out of the perview of the cfpb. This is not acceptable, # 1 that the CFPB considers this an actual response, # 2 that the cfpb would allow them to close the complaint without addressing my concerns.\n\nDiscover Card, rather than addressing my complaint, said we have no further information to provide at this time, this was in reference to the original complaint, where they said it would take up to 90 days to actually respond, which is beyond the fcras 30 day limit, and the cfpb 60 day limit. The cfpb said ... ok no problem, that's acceptable and closed that complaint as well. \n\nThe complaint should not be closed until resolution is provided. How else can the cfpb determine if the complaint was addressed, and addressed with in a timely manner. \n\nDiscover card, closing the complaint before resolution is unacceptable. Why even bother with all the extra lingo, if that lingo contains no resolution ... just type a random letter or number on the keyboard, and close the complaint. It's the equivalent of what you did, and it is not acceptable. \n\nPlease resolve this issue within the 60 days allotted by the cfpb, and do not close the complaint until resolution is provided through the cfpb. \n\nBellow is the last response with in you can find the complaint number, as well as the original complaint number which started the time clock. Do not reset the time clock as they have not actually addressed my concerns at all. \n\nXXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is. Please remove from credit bureaus. \n\nATTACHMENTS ScreenshotXXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2021 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/2021 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2021 RE : Discover card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We regret any dissatisfaction with our XX/XX/2021 response to your CFPB case number XXXX. As advised in our prior response, based on the information you provided an investigation was initiated into your claim that the above referenced account was fraudulently opened. There is no additional information we are able to provide at this time, as the investigation is still ongoing. Should you continue to have questions or have additional information you wish to provide, we recommend contacting our Customer Protection Services department at. Once our investigation is complete, our Customer Protection Services department will contact you in writing with their findings. Thank you for allowing me the opportunity to address your concerns. Should you have any additional questions or concerns, please contact me at (. I am typically available XXXX, from XXXX XXXX  to XXXX XXXX ( ET ). Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau Feedback provided STATUS Feedback provided on XX/XX/2021 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The original response said they would take up to 90 days to respond. That's is not acceptable. \nI UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This was a no response. \nTHE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No","date_sent_to_company":"2021-05-28T23:18:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"4414707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-05-28T22:41:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>XXXX</em> Print complaint CLOSED Submitted STATUS Submitted to the CFPB on <em>XX/XX</em>/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"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":["Was not notified of <em>investigation</em> status or results"]},"sort":[11.557945,"4414707"]},{"_index":"complaint-public-v1","_id":"18079299","_score":11.095167,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian responded to this compliant stating potential Fraud. \n\nXXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT CFPB Deletion Request Letter for XXXX Charge-Off Subject : Request for Investigation & Deletion Due to Inaccurate and Incomplete Credit Reporting XXXX XXXX To Whom It May Concern, I am filing this complaint because XXXX XXXX is reporting inaccurate, inconsistent, and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( B ), and 623 ( A ). Account in question : XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX XXXX. XXXX is reporting inconsistent payment history ( ND mixed with CO ) The payment history on this account shows erratic and inconsistent reporting, including months marked as ND ( No Data ) immediately before and after months marked CO ( Charge Off ). Examples : ND reported in months where the account was already charged-off CO reported again after months with ND Gaps in reporting that do not align with a charged-off account A creditor must report information accurately and consistently, especially after a charge-off. ND mixed with CO is not consistent with a true charge-off timeline and creates confusion in my credit file. This violates FCRA 623 ( A ) ( 1 ) ( A ), which states that furnishers must not report information they know or have reasonable cause to believe is inaccurate. 2. The Status Updated date does not match the monthly data being furnished The account shows : Status Updated : XX/XX/XXXX However, payment history is still being furnished for dates up to : XX/XX/XXXX This is contradictory and misleading. This violates FCRA 607 ( B ) : the requirement to maintain maximum possible accuracy. XXXX. XXXX continues updating the balance monthly after charge-off Despite the account being charged off in XXXX, XXXX continues updating the balance updated field as recently as XX/XX/XXXX. A charged-off account should not show active monthly changes unless the consumer is actively paying which I am not. This inaccurate monthly updating makes the derogatory appear new, harming my credit more than allowed under FCRA. XXXX. The credit limit was increased after charge-off and during my dispute This is inconsistent and misleading. A creditor does not raise a credit limit on an account already in charge-off status. This appears to be additional inaccurate information being furnished during an active dispute. XXXX. The reporting is not consistent, complete, or accurate Because of : Mixed ND/CO reporting Status date not matching reported activity Balance continuously updated Incorrect credit limit reporting Irregular charge-off timeline This account is not being reported in a manner that meets the maximum possible accuracy requirement under the FCRA. For these reasons, I request : REQUESTED RESOLUTION I am requesting that the CFPB compel XXXX XXXX  to either : XXXX. Correct ALL inaccurate and inconsistent reporting immediately, XXXX XXXX. Delete the account completely from my credit reports if XXXX can not furnish the data in a consistent, accurate, and verifiable format as required by FCRA XXXX ( A ) and XXXX ( B ). Given the multiple reporting irregularities, deletion is the only remedy that ensures compliance with the FCRA. \n\nATTACHMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View full complaint 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\nPotential fraud STATUS Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.","date_sent_to_company":"2025-12-16T17:35:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70403","tags":null,"has_narrative":true,"complaint_id":"18079299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-16T17:31:35.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["<em>XXXX</em> Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/<em>XXXX</em> PRODUCT Credit reporting or other personal consumer reports ISSUE <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \n\nWe will review your complaint."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[11.095167,"18079299"]},{"_index":"complaint-public-v1","_id":"14578698","_score":9.115248,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"OVER THIRTY DAYS OVER THIRTY DAYS OVER THIRTY DAYS Inactive XXXX XXXX XXXX An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER 44 YEARS OLD [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER 21 ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and XXXX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX XXXX  REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Their investigation did not fix an error on your report What happened? \nALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER 44 YEARS OLD [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER 21 ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and XXXX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX XXXX REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX MB ) XXXXXXXX XXXX XXXX XXXX XXXX  I 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. \nInactive modal What would be a fair resolution to this issue? \nREMOVAL OF XXXX  ACCOUNT AND DEROGATORY MARKS IMMEDIATELY, ALSO CAPITAL ONE 'S ACCOUNT AND DEROGATORY MARKS IMMEDIATELY!!! XXXX. ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS.\n\n3 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information XXXX credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company Experian credit reporting Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo Additional Credit Reporting Company XXXX Credit Bureau Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Your preferred language XXXX Your demographic information AgXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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\nPrivacy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Note on user experience Have a question? Preguntas? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nMore thXXXX XXXX XXXXes available. \nXXXX XXXX An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-07-10T14:11:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"14578698","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-10T14:11:10.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["OVER THIRTY DAYS OVER THIRTY DAYS OVER THIRTY DAYS Inactive <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> An official website of the United States Government Logged in as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Consumer Financial Protection Bureau Start a new complaint All complaints <em>XXXX</em> complaint <em>Open</em> Submitted Status Submitted to the CFPB on XX/XX/<em>XXXX</em> Product Credit reporting or other personal consumer reports Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[9.115248,"14578698"]},{"_index":"complaint-public-v1","_id":"14578391","_score":9.105191,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"OVER XXXX DAYS OVER XXXX DAYS OVER XXXX DAYS Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX MB ) XXXX ( XXXX MB ) Attachments XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX ) .PDF ( XXXX KB ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Their investigation did not fix an error on your report What happened? \nALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX MB ) XXXX ( XXXX MB ) I 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. \nInactive modal What would be a fair resolution to this issue? \nREMOVAL OF EXETER ACCOUNT AND DEROGATORY MARKS IMMEDIATELY, ALSO CAPITAL ONE 'S ACCOUNT AND DEROGATORY MARKS IMMEDIATELY!!! XXXX. ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} AS FOLLOWS : XXXX. VIOLATION OF PRIVACY XXXX. DETRIMENTAL HARM TO CONSUMER AND FAMILY. XXXX. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. XXXX. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. XXXX. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. \nXXXX attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX ) .XXXX  ( XXXX KB ) What company is this complaint about? \nXXXX XXXX Transunion credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company Experian XXXX XXXX Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company?\n\ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo Additional Credit Reporting Company XXXX  Credit Bureau Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX XXXX XXXXXXXX, XXXX, or XXXX  Origin No XXXX  \" OTHER '' Household size including total number of adults and children XXXX Combined annual household income $ XXXX Service details Branch : United States XXXX XXXX : Veteran Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXX XXXX 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 XXXX days. In some cases, the company will let you know their response is in progress and provide a final response in XXXX days. \n\nPrivacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nXXXX Flag An official website of the United States Government Inactive XXXX XXXX modal Complaint Detail","date_sent_to_company":"2025-08-13T14:00:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"14578391","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-10T14:00:22.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["OVER <em>XXXX</em> DAYS OVER <em>XXXX</em> DAYS OVER <em>XXXX</em> DAYS Inactive modal <em>XXXX</em> Flag An official website of the United States Government Logged in as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Consumer Financial Protection Bureau <em>XXXX</em> a new complaint All complaints <em>XXXX</em> complaint <em>Open</em> Submitted Status Submitted to the CFPB on XX/XX/<em>XXXX</em> Product Credit reporting or other personal consumer reports Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[9.105191,"14578391"]},{"_index":"complaint-public-v1","_id":"14578692","_score":9.104981,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all XXXX Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Attachments XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Their investigation did not fix an error on your report What happened? \nALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX  ) I 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. \nInactive modal What would be a fair resolution to this issue? \nREMOVAL OF EXETER ACCOUNT AND DEROGATORY MARKS IMMEDIATELY, ALSO CAPITAL ONE 'S ACCOUNT AND DEROGATORY MARKS IMMEDIATELY!!! XXXX. ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} AS FOLLOWS : XXXX. VIOLATION OF PRIVACY XXXX. DETRIMENTAL HARM TO CONSUMER AND FAMILY. XXXX. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. XXXX. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. XXXX. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. \nXXXX attachments XXXX uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) What company is this complaint about? \nCompany Information XXXX  credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company Experian XXXX XXXX Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo XXXX XXXX XXXX XXXX Equifax Credit Bureau Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX Male XXXX, XXXX, or XXXX  Origin No Race \" OTHER '' Household size including total number of adults and children XXXX Combined annual household income $ XXXX Service details Branch : XXXX XXXX  XXXX XXXX : Veteran Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXX XXXX 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\nPrivacy Act Statement XXXX # XXXX Note on user experience Have a question? Preguntas? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  ( except federal holidays ). \nMore than XXXX languages available. \nXXXX XXXX  An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-07-28T17:21:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"14578692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-10T13:42:57.000Z","state":"LA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Inactive modal <em>XXXX</em> Flag An official website of the United States Government Logged in as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Consumer Financial Protection Bureau Start a new complaint All complaints <em>XXXX</em> complaint <em>Open</em> Submitted Status Submitted to the CFPB on XX/XX/<em>XXXX</em> Product Credit reporting or other personal consumer reports Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[9.104981,"14578692"]},{"_index":"complaint-public-v1","_id":"15341141","_score":9.094442,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Start a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT 1. Type of Complaint : Credit Reporting / Credit Bureau Issue Furnisher Reporting Inaccurate Information Debt Collection / Willful Misreporting Impact on Medical Care / Urgent Financial Harm 2. Summary of Complaint : I am submitting this complaint to formally report willful, repeated, and unlawful misreporting of my credit information by Experian, Equifax, TransUnion, and the furnishers listed below. Despite filing multiple disputes over several years with CFPB, FTC, and directly with the agencies, my credit report continues to be intentionally and maliciously misreported. These actions have : Falsely lowered my credit score daily. Prevented access to fair housing and credit opportunities. Cost me income and work hours spent disputing. Interfered with urgent medical care for serious health issues. Exacerbated stress and emotional harm to me and my XXXX children. 3. Negative Tradelines Misreported ( All inaccurate / re-aged / misleading ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( See attached PDF Attachment XXXX Account Details for Same-Day Correction for full table. ) XXXX. Positive Tradelines Missing/ Omitted : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} loan, XXXX Multiple Auto Loans never late XXXX XXXX XXXX XXXX XXXX never late Rental and utility accounts, insurance accounts never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These omissions artificially reduce my credit score and average account age, in violation of FCRA 1681e ( b ) and 1681i. 5. Legal Violations/ References : FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i : Failure to reinvestigate disputed accounts FCRA 1681c ( a ) ( 4 ) : Unlawful re-aging of accounts FCRA 1681s-2 : Furnisher duties to report accurately FDCPA 807, 809 : Misrepresentation, failure to validate CARES Act 4021 : Prohibited negative reporting during accommodation periods 6. Demand for Resolution ( Immediate Same-Day Action ) : Delete all inaccurate negative tradelines listed above. Restore/ Add all positive tradelines from Attachment A with complete payment history. Update my credit report to reflect decades of credit history ( 30+ years ). Provide written confirmation of compliance by XXXXXXXX XXXX  today, XX/XX/XXXX. Failure to comply will result in : Filing federal lawsuits seeking actual, statutory, and punitive damages for willful noncompliance. Additional complaints to all applicable federal and state authorities. \n\nAttachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having?\n\nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company?\n\nYes Did you request information from the company?\n\nNo Type of Issue Their investigation did not fix an error on your report What happened? \n1. Type of Complaint : Credit Reporting / Credit Bureau Issue Furnisher Reporting Inaccurate Information Debt Collection / Willful Misreporting Impact on Medical Care / Urgent Financial Harm 2. Summary of Complaint : I am submitting this complaint to formally report willful, repeated, and unlawful misreporting of my credit information by Experian, Equifax, TransUnion, and the furnishers listed below. Despite filing multiple disputes over several years with CFPB, FTC, and directly with the agencies, my credit report continues to be intentionally and maliciously misreported. These actions have : Falsely lowered my credit score daily. Prevented access to fair housing and credit opportunities. Cost me income and work hours spent disputing. Interfered with urgent medical care for serious health issues. Exacerbated stress and emotional harm to me and my XXXX children. XXXX. Negative Tradelines Misreported ( All inaccurate / re-aged / misleading ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached PDF Attachment XXXX XXXX Details for Same-Day Correction for full table. ) XXXX. Positive Tradelines Missing/ Omitted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$15000.00} loan, XXXX Multiple Auto Loans never late XXXX XXXX XXXX XXXX XXXX  never late Rental and utility accounts, insurance accounts never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These omissions artificially reduce my credit score and average account age, in violation of FCRA 1681e ( b ) and 1681i. 5. Legal Violations/ References : FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i : Failure to reinvestigate disputed accounts FCRA 1681c ( a ) ( 4 ) : Unlawful re-aging of accounts FCRA 1681s-2 : Furnisher duties to report accurately FDCPA 807, 809 : Misrepresentation, failure to validate CARES Act 4021 : Prohibited negative reporting during accommodation periods 6. Demand for Resolution ( Immediate Same-Day Action ) : Delete all inaccurate negative tradelines listed above. Restore/ Add all positive tradelines from Attachment A with complete payment history. Update my credit report to reflect decades of credit history ( 30+ years ). Provide written confirmation of compliance by XXXX XXXX today, XX/XX/XXXX. Failure to comply will result in : Filing federal lawsuits seeking actual, statutory, and punitive damages for willful noncompliance. Additional complaints to all applicable federal and state authorities. \n\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\nInactive modal What would be a fair resolution to this issue?\n\nFAIR RESOLUTION & OUTCOME DEMAND Complainant : XXXX XXXX XXXX Date : XX/XX/XXXX Desired Outcome / Fair Resolution : Immediate Deletion of All Inaccurate Negative Tradelines All negative tradelines listed in Attachment A must be fully removed from my credit reports at Experian, Equifax, and TransUnion. Accounts re-aged, misreported, or showing XXXX balances as derogatory must be corrected to reflect accurate status as of the original dates of delinquency or closure. Restoration/ Addition of All Positive Tradelines All accounts intentionally omitted, including XXXX years of credit history, must be restored or added to the credit report. Complete payment history for each account must be reflected accurately, including on-time payments, balances, and account age. Positive tradelines include : mortgages, auto loans, credit cards, phone bills, utility bills, rent, and insurance accounts as listed in Attachment A. Correction of Average Account Age & Credit Score Correct the average account age to include all decades of positive history. Credit scores must be recalculated based on full and accurate credit data. Written Confirmation of Compliance Written confirmation of all deletions, restorations, and corrections must be delivered to me within 24 hours of receipt of this complaint. Confirmation must include account numbers, status updates, and date of correction. Cease & Desist from Retaliatory Reporting Credit bureaus and furnishers must cease all repeated, willful, or retaliatory reporting related to this complaint. Any future reporting must comply fully with FCRA, FDCPA, and CARES Act regulations. Acknowledgment of Harm & Urgent Medical Impact Acknowledge that prior inaccurate reporting has harmed my ability to access urgent medical care, caused financial loss, emotional distress, and impacted my childrens well-being. Non-Compliance Outcome : Failure to fully comply same-day will result in : Filing federal lawsuits for statutory, actual, and punitive damages. Immediate escalation to CFPB, FTC, and Florida AG for willful, repeated violations and bad-faith reporting.\n\n4 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information Equifax Credit Bureau Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX Transunion credit reporting agency Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXXXXXX  Name as it appears on credit report XXXX XXXX XXXX also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company?\n\nNo Additional Credit Reporting Company Experian credit bureau Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX United States Your preferred language English Your demographic information XXXX Female Combined annual household income {$25000.00} - {$34000.00} 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 still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request.","date_sent_to_company":"2025-08-18T21:36:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33431","tags":null,"has_narrative":true,"complaint_id":"15341141","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-18T21:24:54.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Start a new complaint All complaints <em>XXXX</em> complaint <em>Open</em> Submitted Status Submitted to the CFPB on XX/XX/<em>XXXX</em> Product Credit reporting or other personal consumer reports Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"issue":["<em>Problem</em> with a 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":[9.094442,"15341141"]},{"_index":"complaint-public-v1","_id":"15340827","_score":9.069231,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Start a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT 1. Type of Complaint : Credit Reporting / Credit Bureau Issue Furnisher Reporting Inaccurate Information Debt Collection / Willful Misreporting Impact on Medical Care / Urgent Financial Harm 2. Summary of Complaint : I am submitting this complaint to formally report willful, repeated, and unlawful misreporting of my credit information by Experian, Equifax, TransUnion, and the furnishers listed below. Despite filing multiple disputes over several years with CFPB, FTC, and directly with the agencies, my credit report continues to be intentionally and maliciously misreported. These actions have : Falsely lowered my credit score daily. Prevented access to fair housing and credit opportunities. Cost me income and work hours spent disputing. Interfered with urgent medical care for serious health issues. Exacerbated stress and emotional harm to me and my XXXX children. 3. Negative Tradelines Misreported ( All inaccurate / re-aged / misleading ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( See attached PDF Attachment XXXX Account Details for Same-Day Correction for full table. ) XXXX. Positive Tradelines Missing/ Omitted : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} loan, XXXX Multiple Auto Loans never late XXXX XXXX XXXX XXXX XXXX never late Rental and utility accounts, insurance accounts never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These omissions artificially reduce my credit score and average account age, in violation of FCRA 1681e ( b ) and 1681i. 5. Legal Violations/ References : FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i : Failure to reinvestigate disputed accounts FCRA 1681c ( a ) ( 4 ) : Unlawful re-aging of accounts FCRA 1681s-2 : Furnisher duties to report accurately FDCPA 807, 809 : Misrepresentation, failure to validate CARES Act 4021 : Prohibited negative reporting during accommodation periods 6. Demand for Resolution ( Immediate Same-Day Action ) : Delete all inaccurate negative tradelines listed above. Restore/ Add all positive tradelines from Attachment A with complete payment history. Update my credit report to reflect decades of credit history ( 30+ years ). Provide written confirmation of compliance by XXXXXXXX XXXX  today, XX/XX/XXXX. Failure to comply will result in : Filing federal lawsuits seeking actual, statutory, and punitive damages for willful noncompliance. Additional complaints to all applicable federal and state authorities. \n\nAttachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having?\n\nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company?\n\nYes Did you request information from the company?\n\nNo Type of Issue Their investigation did not fix an error on your report What happened? \n1. Type of Complaint : Credit Reporting / Credit Bureau Issue Furnisher Reporting Inaccurate Information Debt Collection / Willful Misreporting Impact on Medical Care / Urgent Financial Harm 2. Summary of Complaint : I am submitting this complaint to formally report willful, repeated, and unlawful misreporting of my credit information by Experian, Equifax, TransUnion, and the furnishers listed below. Despite filing multiple disputes over several years with CFPB, FTC, and directly with the agencies, my credit report continues to be intentionally and maliciously misreported. These actions have : Falsely lowered my credit score daily. Prevented access to fair housing and credit opportunities. Cost me income and work hours spent disputing. Interfered with urgent medical care for serious health issues. Exacerbated stress and emotional harm to me and my XXXX children. XXXX. Negative Tradelines Misreported ( All inaccurate / re-aged / misleading ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached PDF Attachment XXXX XXXX Details for Same-Day Correction for full table. ) XXXX. Positive Tradelines Missing/ Omitted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$15000.00} loan, XXXX Multiple Auto Loans never late XXXX XXXX XXXX XXXX XXXX  never late Rental and utility accounts, insurance accounts never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These omissions artificially reduce my credit score and average account age, in violation of FCRA 1681e ( b ) and 1681i. 5. Legal Violations/ References : FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i : Failure to reinvestigate disputed accounts FCRA 1681c ( a ) ( 4 ) : Unlawful re-aging of accounts FCRA 1681s-2 : Furnisher duties to report accurately FDCPA 807, 809 : Misrepresentation, failure to validate CARES Act 4021 : Prohibited negative reporting during accommodation periods 6. Demand for Resolution ( Immediate Same-Day Action ) : Delete all inaccurate negative tradelines listed above. Restore/ Add all positive tradelines from Attachment A with complete payment history. Update my credit report to reflect decades of credit history ( 30+ years ). Provide written confirmation of compliance by XXXX XXXX today, XX/XX/XXXX. Failure to comply will result in : Filing federal lawsuits seeking actual, statutory, and punitive damages for willful noncompliance. Additional complaints to all applicable federal and state authorities. \n\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\nInactive modal What would be a fair resolution to this issue?\n\nFAIR RESOLUTION & OUTCOME DEMAND Complainant : XXXX XXXX XXXX Date : XX/XX/XXXX Desired Outcome / Fair Resolution : Immediate Deletion of All Inaccurate Negative Tradelines All negative tradelines listed in Attachment A must be fully removed from my credit reports at Experian, Equifax, and TransUnion. Accounts re-aged, misreported, or showing XXXX balances as derogatory must be corrected to reflect accurate status as of the original dates of delinquency or closure. Restoration/ Addition of All Positive Tradelines All accounts intentionally omitted, including XXXX years of credit history, must be restored or added to the credit report. Complete payment history for each account must be reflected accurately, including on-time payments, balances, and account age. Positive tradelines include : mortgages, auto loans, credit cards, phone bills, utility bills, rent, and insurance accounts as listed in Attachment A. Correction of Average Account Age & Credit Score Correct the average account age to include all decades of positive history. Credit scores must be recalculated based on full and accurate credit data. Written Confirmation of Compliance Written confirmation of all deletions, restorations, and corrections must be delivered to me within 24 hours of receipt of this complaint. Confirmation must include account numbers, status updates, and date of correction. Cease & Desist from Retaliatory Reporting Credit bureaus and furnishers must cease all repeated, willful, or retaliatory reporting related to this complaint. Any future reporting must comply fully with FCRA, FDCPA, and CARES Act regulations. Acknowledgment of Harm & Urgent Medical Impact Acknowledge that prior inaccurate reporting has harmed my ability to access urgent medical care, caused financial loss, emotional distress, and impacted my childrens well-being. Non-Compliance Outcome : Failure to fully comply same-day will result in : Filing federal lawsuits for statutory, actual, and punitive damages. Immediate escalation to CFPB, FTC, and Florida AG for willful, repeated violations and bad-faith reporting.\n\n4 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information Equifax Credit Bureau Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX Transunion credit reporting agency Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXXXXXX  Name as it appears on credit report XXXX XXXX XXXX also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company?\n\nNo Additional Credit Reporting Company Experian credit bureau Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX United States Your preferred language English Your demographic information XXXX Female Combined annual household income {$25000.00} - {$34000.00} 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 still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request.","date_sent_to_company":"2025-08-18T21:36:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33431","tags":null,"has_narrative":true,"complaint_id":"15340827","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-18T21:35:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Start a new complaint All complaints <em>XXXX</em> complaint <em>Open</em> Submitted Status Submitted to the CFPB on XX/XX/<em>XXXX</em> Product Credit reporting or other personal consumer reports Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"issue":["<em>Problem</em> with a 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":[9.069231,"15340827"]},{"_index":"complaint-public-v1","_id":"4520260","_score":8.335417,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$130.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$130.00} Balance updated XX/XX/XXXX Recent payment $ 39 Monthly payment {$0.00} Original balance {$760.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XXXX XXXX to XX/XX/XXXX, XXXX XXXX, XXXX 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, XXXX XXXX, XXXX 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, XXXX Historical info Original creditor XXXX XXXX Balance history XX/XX/XXXX {$130.00} Balance {$0.00} Schedule payment {$39.00} Paid on XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$760.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Your statement PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX. \n\nATTACHMENTS Report Number XXXX ( XXXX KB ) Report NumberXXXX ( XXXX KB ) View full complaint 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 Portfolio Recovery Associates, LLC ( PRA ) investigated your complaint and verified the accuracy of the information regarding the PRA account ending in XXXX and the judgment related thereto. PRA purchased the XXXX XXXX  XXXX \" XXXX '' XXXX XXXX account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$760.00} was due on the account at the time of PRA 's purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. We placed the PRA account ending in XXXX with the law firm of XXXX XXXX XXXX, XXXX. ( the Firm ) on or about XX/XX/XXXX. XXXX XXXX XXXX, XXXX. filed an action on the account on or about XX/XX/XXXX. Correspondence and court records reflect that you were properly notified of the proceedings. Judgment on the account was obtained in Civil Court, XXXX XXXX County, Iowa bearing case number XXXX. The judgment amount was {$870.00}, and payment received post judgment was {$740.00} leaving the balance of {$130.00}. PRA furnished information from the account to the consumer reporting agencies in accordance with industry guidelines and specific requirements. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. Should you have any further questions about the account balance, please contact XXXX XXXX XXXX at XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. \nFeedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The judgement was paid in XXXX according to the settlement amount in court and XXXX and XXXX also agreed with the amount which portfolio recovery did not use all court documents about the lesser amount their total amount is wrong because XXXX XXXX  also agreed in court at the lesser amount they really need to research this issue and correct it on my credit file asap because they refuse to fix this issue I made the final payment to XXXX and gains PC as agreed upon in court of XXXX county, I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No What happens now? \nThe complaint process is complete and your complaint is now closed. \n\nWe have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database.\n\nYour feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company.\n\nWe have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies.\n\nWe appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns.\n\nClosed The CFPB has closed your complaint.","date_sent_to_company":"2021-07-06T22:52:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"52601","tags":"Servicemember","has_narrative":true,"complaint_id":"4520260","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2021-07-06T22:27:24.000Z","state":"IA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/<em>XXXX</em> PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"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 personal statement of dispute"]},"sort":[8.335417,"4520260"]},{"_index":"complaint-public-v1","_id":"11646990","_score":8.055842,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"From : XXXX. \nXXXX XXXX XXXX XXXX, XXXX, FL XXXX ( CURRENT ADDRESS ) To : CFPB Subject : Dispute of Unauthorized Charge and Request for Removal of Charge Off Status I am respectfully writing to formally file a claim for the third time ( see-attached copies of previous files attached ) as a Fraudulent activity & Identity Theft by disputing some unauthorized charges on an existing XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX which has adversely affected my credit score negatively. \n\nOn the last XXXX previous filed claims, XXXX was asked if the charges are or belong to me. Their response obviously was yes and I understand it because they were made on my existing XXXX  acct. However, I find it unacceptable and I request you to truly investigate this matter promptly. I also must insist to take the necessary steps to remove the disputed charged amounts and the associated charge off status on my Credit Bureau Report, since I did not make the transactions, nor did I authorize anyone else to do so on my behalf. As such, these charged amounts are a case of fraud activity and identity theft. \n\nPlease find attached copies of my identifications, and any other relevant documentation to assist in your investigation. I have also filed a claim with the appropriate authorities and obtained a police report, which is included with this letter. \n\nI appreciate your prompt attention to this urgent matter and look forward to resolving this issue swiftly. Please confirm receipt of this letter and provide updates on the progress of your investigation. \n\nAs I mentioned before, below are the reasons for my disagreement with these fraudulent charges as follows on : Account # : XXXX Router # : XXXX Member # : XXXX I opened an account only under my name with XXXX XXXX XXXX XXXX XXXX with the purpose of obtaining a loan with a low rate, but it didnt work out as I expected. \nTherefore on XX/XX/XXXX, I went in person to the branch in XXXX XXXX XXXX, XXXX XXXX, FL XXXX and I decided to withdraw the remaining balance of {$1600.00} and I requested to close the account as it shows on screenshot on the right. The same day I destroyed the debit card. To my surprise on XX/XX/XXXX, I received a Text Fraud Alert from XXXX. To my understanding and to my knowledge, the account was close, and honestly, I totally forgot about XXXX account as I completely stopped using it. \nConsequently, I decided to log on to XXXX online account and I was shocked that I still had access. I reviewed the account activity and noticed that they made multiple unauthorized transactions, leading me to believe the account was hacked and leaving the account overdrawn to the tune of a - {$540.00} balance. Apparently, XXXX sent me written notifications, to the address XXXX  had in their system : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  FL, XXXX. However, since I requested to close the XXXX  account back in XXXX, I moved twice. See below moving record for your review. \n- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  FL, XXXX, I lived in this address from XXXX to XXXX, and then we moved to : - XXXX XXXX XXXX XXXX, # XXXX, XXXX FL, XXXX, I lived in this address from XXXX to XXXX, about a month before I moved ( XXXX ) I requested to closed the account. Then we moved to : - XXXX XXXX XXXX, # XXXX, XXXX, FL XXXX, I live in this address from XXXX to present. This unauthorized negative balance of - {$540.00} ; it resulted in a delinquent status and end up being reported to all three credit bureaus, affecting and lowering my credit score, starting on XXXX. I checked my credit score on XXXX and it shows as closed account I checked my credit score on Experian and it shows as closed account I tried to check my credit score on XXXX, but is a paid service I checked my credit score on XXXX, and it shows as closed account The account wasnt active for 10 months ( XXXX to starting on XXXX ) and no body from my home nor me made any charges from XX/XX/XXXX to XX/XX/XXXX because I am the only person in the account and I already destroyed the debit card on XXXX. XXXX charges I never made As soon as I became aware of the fraudulent activity, I contacted XXXX XXXX XXXX ( XXXX ) to report it in order to explain why I didnt contact them before and to file the proper claim. On XXXX, I was able to connect with a XXXX representative and spoke with XXXX XXXX ( XXXX, xt. XXXX ), who informed me that she will open a claim with XXXX. I attempted to follow up via phone by leaving voice mails and emailed on XXXX, XXXX & XXXX, but I didnt get a response ( See attached a copy of trend of emails sent ). On XXXX, I was able to speak again with XXXX XXXX and she informed that this case would need to be address directly with the credit reporting bureaus for two reasons : XXXX. This debt is a direct result of criminal bank fraud that has been recognized by XXXX. XXXX. Apparently, they sent me notifications ( XXXX & XXXX > see attached documents please ) to an old address, but I never got an opportunity to respond nor file a claim, as it was never forward to my current address. I have filed a written & online claim with the 3 credit bureaus, to request the following : XXXX. Please reinvestigate this matter and contact XXXX XXXX XXXX to have them delete or correct the disputed item ( s ) as soon as possible. XXXX. With the evidence provided, is my request that you remove the negative report from my credit file immediately so that my credit accurately reflects my responsible financial management rather than the unlawful actions of an outside hacker. XXXX. Restore my credit back to before XX/XX/XXXX and still count the earned points during the months of XX/XX/XXXX to XX/XX/XXXX towards increasing my corresponding credit score. Please let me know that you have removed this unauthorized debt and corresponding negative report from my credit history. If you need to contact me, you may reach me at XXXX or via email at XXXX. Thank you for your swift assistance in this matter. Also, attached are the following supporting documents : * Notifications letters sent from XXXX to and old address they had on file and never was forward to my current address by the post office XXXXXXXX XXXX  1st Final Notice - XXXXXXXXFinalNotice - Phone call logs to XXXX  - Email logs to XXXX  * A log of the phone call attempt to reach XXXX in order to file a claim on negative balance of - {$540.00} * A log of copy of written emails of intents to contact XXXX * Screenshot evidence of the Credit Bureau check showing that XXXX account is closed. \n*PHONE CALL LOGS TO BRIGHTSTAR PHONE # XXXX Ext XXXX XXXX XXXX I spoke with XXXX XXXX @ xt XXXX XXXX XXXX will assist with XXXX - Claim dispute, close the acct and contact Credit Bureau to revert negative reports- They will contact me by the end of the day - They will send an e-docu sign & survey of call XXXX XXXX I Called and LVM to XXXX XXXX, XXXX XXXX XXXX I Called and LVM to XXXX XXXX, xt. XXXX XXXX XXXX I Called and LVM to XXXX XXXX, xt. XXXX XXXX XXXX I called and spoke with XXXX and XXXX on the claim #. I was put on hold for 15mins XXXX, XXXX came back to the phone line and stated that acct wasnt properly closed. XXXX sent a letter on XXXX & XXXX to notify that the act is in negative balance and I have until XXXX to respond or file a claim. All XXXX  letters went to and old address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I never received a written XXXX  forward notification from the post office to my current address : XXXX XXXX XXXX, # XXXX, XXXX, XXXX XXXX Otherwise I would of responded and dispute and file a claim on the acct. XXXX will send me a copy of the XXXX notification letters to include in the dispute to the 3 Credit Bureau =============================================================== EMAILS LOGS TO XXXX  XXXX From : XXXX To : XXXX XXXX Wed, XX/XX/XXXX at XXXX Good day XXXX XXXX It was very helpful and refreshing to know your institution has a good working person who is willing to help and assist a client who is having problems with the account. It's been over 24hs since we spoke last and correct me if I'm mistaken, but I haven't received a call nor an e- document as you mentioned. I kindly appreciate your time and consideration on my situation as I would like to fix this negative report on my XXXX credit report please. \nLooking forward to hearing from you ... With Best Regards, Thank you/ XXXX. \n=============================================================== XXXX From : XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXX XXXX  Good day XXXX, I wanted to do a follow up of my Bright Star negative account and Claim we spoke about on XXXX. I haven't received a call, letter nor an e-document as you mentioned. I kindly appreciate your time and consideration on my situation, as I would like to fix this negative report on my XXXX credit report please. You may contact XXXX. Looking forward to hearing from you ... With Best Regards, Thank you/ XXXX. \n=============================================================== XXXX From : XXXX To : XXXX XXXX Mon, XX/XX/XXXX at XXXX Good day XXXX XXXX I'm doing a 2nd follow up on my XXXX XXXX negative account and Claim we spoke about on XXXX. Kindly see trend of emails please. With Best Regards, Thank you/ XXXX XXXX is a copy of the XXXX XXXX letter notifications sent to an existing address they had on file, but that werent forward to my current address : Address XXXX  has on file : Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX Note : This exact letter has been sent to the respective three Credit Bureaus : XXXX XXXX Experian","date_sent_to_company":"2025-01-18T03:48:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"11646990","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-18T03:48:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["On the last <em>XXXX</em> previous filed claims, <em>XXXX</em> was asked if the charges are or belong to me. Their response obviously was yes and I understand it because they were made on my <em>existing</em> <em>XXXX</em>  acct. However, I find it unacceptable and I request you to truly <em>investigate</em> this matter promptly."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[8.055842,"11646990"]},{"_index":"complaint-public-v1","_id":"11647000","_score":8.05565,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"From : XXXX. \nXXXX XXXX XXXX XXXX, XXXX, FL XXXX ( CURRENT ADDRESS ) To : CFPB Subject : Dispute of Unauthorized Charge and Request for Removal of Charge Off Status I am respectfully writing to formally file a claim for the third time ( see-attached copies of previous files attached ) as a Fraudulent activity & Identity Theft by disputing some unauthorized charges on an existing XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX which has adversely affected my credit score negatively. \n\nOn the last XXXX previous filed claims, XXXX was asked if the charges are or belong to me. Their response obviously was yes and I understand it because they were made on my existing XXXX  acct. However, I find it unacceptable and I request you to truly investigate this matter promptly. I also must insist to take the necessary steps to remove the disputed charged amounts and the associated charge off status on my Credit Bureau Report, since I did not make the transactions, nor did I authorize anyone else to do so on my behalf. As such, these charged amounts are a case of fraud activity and identity theft. \n\nPlease find attached copies of my identifications, and any other relevant documentation to assist in your investigation. I have also filed a claim with the appropriate authorities and obtained a police report, which is included with this letter. \n\nI appreciate your prompt attention to this urgent matter and look forward to resolving this issue swiftly. Please confirm receipt of this letter and provide updates on the progress of your investigation. \n\nAs I mentioned before, below are the reasons for my disagreement with these fraudulent charges as follows on : Account # : XXXX Router # : XXXX Member # : XXXX I opened an account only under my name with XXXX XXXX XXXX XXXX XXXX with the purpose of obtaining a loan with a low rate, but it didnt work out as I expected. \nTherefore on XX/XX/XXXX, I went in person to the branch in XXXX XXXX XXXX, XXXX XXXX, FL XXXX and I decided to withdraw the remaining balance of {$1600.00} and I requested to close the account as it shows on screenshot on the right. The same day I destroyed the debit card. To my surprise on XX/XX/XXXX, I received a Text Fraud Alert from XXXX. To my understanding and to my knowledge, the account was close, and honestly, I totally forgot about XXXX account as I completely stopped using it. \nConsequently, I decided to log on to XXXX XXXX account and I was shocked that I still had access. I reviewed the account activity and noticed that they made multiple unauthorized transactions, leading me to believe the account was hacked and leaving the account overdrawn to the tune of a - {$540.00} balance. Apparently, XXXX sent me written notifications, to the address XXXX  had in their system : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  FL, XXXX. However, since I requested to close the XXXX  account back in XXXX, I moved twice. See below moving record for your review. \n- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  FL, XXXX, I lived in this address from XXXX to XXXX, and then we moved to : - XXXX XXXX XXXX XXXX, # XXXX, XXXX FL, XXXX, I lived in this address from XXXX to XXXX, about a month before I moved ( XXXX ) I requested to closed the account. Then we moved to : - XXXX XXXX XXXX, # XXXX, XXXX, FL XXXX, I live in this address from XXXX to present. This unauthorized negative balance of - {$540.00} ; it resulted in a delinquent status and end up being reported to all three credit bureaus, affecting and lowering my credit score, starting on XXXX. I checked my credit score on Equifax and it shows as closed account I checked my credit score on XXXX and it shows as closed account I tried to check my credit score on XXXX, but is a paid service I checked my credit score on XXXX, and it shows as closed account The account wasnt active for 10 months ( XXXX to starting on XXXX ) and no body from my home nor me made any charges from XX/XX/XXXX to XX/XX/XXXX because I am the only person in the account and I already destroyed the debit card on XXXX. XXXX charges I never made As soon as I became aware of the fraudulent activity, I contacted XXXX XXXX XXXX ( XXXX ) to report it in order to explain why I didnt contact them before and to file the proper claim. On XXXX, I was able to connect with a XXXX representative and spoke with XXXX XXXX ( XXXX, xt. XXXX ), who informed me that she will open a claim with XXXX. I attempted to follow up via phone by leaving voice mails and emailed on XXXX, XXXX & XXXX, but I didnt get a response ( See attached a copy of trend of emails sent ). On XXXX, I was able to speak again with XXXX XXXX and she informed that this case would need to be address directly with the credit reporting bureaus for two reasons : 1. This debt is a direct result of criminal bank fraud that has been recognized by XXXX. XXXX. Apparently, they sent me notifications ( XXXX & XXXX > see attached documents please ) to an old address, but I never got an opportunity to respond nor file a claim, as it was never forward to my current address. I have filed a written & online claim with the 3 credit bureaus, to request the following : XXXX. Please reinvestigate this matter and contact XXXX XXXX XXXX to have them delete or correct the disputed item ( XXXX ) as soon as possible. XXXX. With the evidence provided, is my request that you remove the negative report from my credit file immediately so that my credit accurately reflects my responsible financial management rather than the unlawful actions of an outside hacker. XXXX. Restore my credit back to before XX/XX/XXXX and still count the earned points during the months of XX/XX/XXXX to XX/XX/XXXX towards increasing my corresponding credit score. Please let me know that you have removed this unauthorized debt and corresponding negative report from my credit history. If you need to contact me, you may reach me at XXXX or via email at XXXX. Thank you for your swift assistance in this matter. Also, attached are the following supporting documents : * Notifications letters sent from XXXX to and old address they had on file and never was forward to my current address by the post office XXXX Wil 1st Final Notice - XXXXWilFinalNotice - Phone call logs to XXXX  - Email logs to XXXX  * A log of the phone call attempt to reach XXXX in order to file a claim on negative balance of - {$540.00} * A log of copy of written emails of intents to contact XXXX * Screenshot evidence of the Credit Bureau check showing that XXXX account is closed. \n*PHONE CALL LOGS TO XXXX  PHONE # XXXX Ext XXXX XXXX XXXX I spoke with XXXX XXXX @ xt XXXX XXXX XXXX will assist with : - Claim dispute, close the acct and contact Credit Bureau to revert negative reports- They will contact me by the end of the day - They will send an e-docu sign & survey of call XXXX XXXX I Called and LVM to XXXX XXXX, XXXX XXXX XXXX I Called and LVM to XXXX XXXX, xt. XXXX XXXX XXXX I Called and LVM to XXXX XXXX, xt. XXXX XXXX XXXX I called and spoke with XXXX and checked on the claim #. I was put on hold for XXXX XXXX, XXXX came back to the phone line and stated that acct wasnt properly closed. XXXX sent a letter on XXXX & XXXX to notify that the act is in negative balance and I have until XXXX to respond or file a claim. All XXXX  letters went to and old address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I never received a written XXXX  forward notification from the post office to my current address : XXXX XXXX XXXX # XXXX, XXXX, XXXX  XXXX Otherwise I would of responded and dispute and file a claim on the acct. XXXX will send me a copy of the XXXX notification letters to include in the dispute to the 3 Credit Bureau =============================================================== EMAILS LOGS TO XXXX  XXXX From : XXXX To : XXXX XXXX Wed, XX/XX/XXXX at XXXX Good day XXXX XXXX It was very helpful and refreshing to know your institution has a good working person who is willing to help and assist a client who is having problems with the account. It's been over 24hs since we spoke last and correct me if I'm mistaken, but I haven't received a call nor an e- document as you mentioned. I kindly appreciate your time and consideration on my situation as I would like to fix this negative report on my Bureau credit report please. \nLooking forward to hearing from you ... With Best Regards, Thank you/ XXXX. \n=============================================================== XXXX From : XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXX XXXX  Good day XXXX, I wanted to do a follow up of my XXXX XXXX  negative account and Claim we spoke about on XXXX. I haven't received a call, letter nor an e-document as you mentioned. I kindly appreciate your time and consideration on my situation, as I would like to fix this negative report on my XXXX  credit report please. You XXXX contact XXXX. Looking forward to hearing from you ... With Best Regards, Thank you/ XXXX. \n=============================================================== XXXX From : XXXX To : XXXX XXXX Mon, XX/XX/XXXX at XXXX Good day XXXX XXXX I'm doing a XXXX follow up on my XXXX XXXX negative account and Claim we spoke about on XXXX. Kindly see trend of emails please. With Best Regards, Thank you/ XXXX Below is a copy of the XXXX XXXX letter notifications sent to an existing address they had on file, but that werent forward to my current address : Address XXXX  has on file : Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX Note : This exact letter has been sent to the respectivXXXX XXXX XXXXit Bureaus : Equifax XXXX XXXX","date_sent_to_company":"2025-01-18T03:48:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"11647000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-18T03:48:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["On the last <em>XXXX</em> previous filed claims, <em>XXXX</em> was asked if the charges are or belong to me. Their response obviously was yes and I understand it because they were made on my <em>existing</em> <em>XXXX</em>  acct. However, I find it unacceptable and I request you to truly <em>investigate</em> this matter promptly."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[8.05565,"11647000"]},{"_index":"complaint-public-v1","_id":"11483555","_score":8.039874,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CURRENT ADDRESS ) To : CFPB Subject : Dispute of Unauthorized Charge and Request for Removal of Charge Off Status I am respectfully writing to formally file a claim for the third time ( see-attached copies of previous files attached ) as a Fraudulent activity & Identity Theft by disputing some unauthorized charges on an existing XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX which has adversely affected my credit score negatively. \n\nOn the last two previous filed claims, XXXX was asked if the charges are or belong to me. Their response obviously was yes and I understand it because they were made on my existing XXXX  acct. However, I find it unacceptable and I request you to truly investigate this matter promptly. I also must insist to take the necessary steps to remove the disputed charged amounts and the associated charge off status on my Credit Bureau Report, since I did not make the transactions, nor did I authorize anyone else to do so on my behalf. As such, these charged amounts are a case of fraud activity and identity theft. \n\nPlease find attached copies of my identifications, and any other relevant documentation to assist in your investigation. I have also filed a claim with the appropriate authorities and obtained a police report, which is included with this letter. \n\nI appreciate your prompt attention to this urgent matter and look forward to resolving this issue swiftly. Please confirm receipt of this letter and provide updates on the progress of your investigation. \n\nAs I mentioned before, below are the reasons for my disagreement with these fraudulent charges as follows on : Account # : XXXX Router # : XXXX Member # : XXXX I opened an account only under my name with XXXX XXXX XXXX XXXX XXXX with the purpose of obtaining a loan with a low rate, but it didnt work out as I expected. \nTherefore on XX/XX/XXXX, I went in person to the branch in XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX and I decided to withdraw the remaining balance of {$1600.00} and I requested to close the account as it shows on screenshot on the right. The same day I destroyed the debit card. To my surprise on XX/XX/XXXX, I received a Text XXXX XXXX from XXXX. To my understanding and to my knowledge, the account was close, and honestly, I totally forgot about XXXX account as I completely stopped using it. \nConsequently, I decided to log on to XXXX XXXX account and I was shocked that I still had access. I reviewed the account activity and noticed that they made multiple unauthorized transactions, leading me to believe the account was hacked and leaving the account overdrawn to the tune of a - {$540.00} balance. Apparently, XXXX sent me written notifications, to the address XXXX had in their system : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. However, since I requested to close the XXXX account back in XXXX, I moved twice. See below moving record for your review. \n- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, I lived in this address from XXXX to XXXX, and then we moved to : - XXXX XXXX XXXX XXXX, # XXXX, XXXXXXXX XXXX XXXXXXXX, I lived in this address from XXXX to XXXX, about a month before I moved ( XXXX ) I requested to closed the account. Then we moved to : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I live in this address from XXXX to present. This unauthorized negative balance of - {$540.00} ; it resulted in a delinquent status and end up being reported to all three credit bureaus, affecting and lowering my credit score, starting on XXXX. I checked my credit score on Equifax and it shows as closed account I checked my credit score on XXXX and it shows as closed account I tried to check my credit score on XXXX, but is a paid service I checked my credit score on XXXX, and it shows as closed account The account wasnt active for 10 months ( XXXX to starting on XXXX ) and no body from my home nor me made any charges from XX/XX/XXXX to XX/XX/XXXX because I am the only person in the account and I already destroyed the debit card on XXXX. XXXX charges I never made As soon as I became aware of the fraudulent activity, I contacted XXXX XXXX XXXX ( XXXX ) to report it in order to explain why I didnt contact them before and to file the proper claim. On XXXX, I was able to connect with a XXXX representative and spoke with XXXX XXXX ( XXXX, xt. XXXX ), who informed me that she will open a claim with XXXX. I attempted to follow up via phone by leaving voice mails and emailed on XXXX, XXXX & XXXX, but I didnt get a response ( See attached a copy of trend of emails sent ). On XXXX, I was able to speak again with XXXX XXXX and she informed that this case would need to be address directly with the credit reporting bureaus for XXXX reasons : XXXX. This debt is a direct result of criminal bank fraud that has been recognized by XXXX. XXXX. Apparently, they sent me notifications ( XXXX & XXXX > see attached documents please ) to an old address, but I never got an opportunity to respond nor file a claim, as it was never forward to my current address. I have filed a written & online claim with the XXXX credit bureaus, to request the following : 1. Please reinvestigate this matter and contact XXXX XXXX XXXX to have them delete or correct the disputed item ( s ) as soon as possible. 2. With the evidence provided, is my request that you remove the negative report from my credit file immediately so that my credit accurately reflects my responsible financial management rather than the unlawful actions of an outside hacker. 3. Restore my credit back to before XX/XX/XXXX and still count the earned points during the months of XX/XX/XXXX to XX/XX/XXXX towards increasing my corresponding credit score. Please let me know that you have removed this unauthorized debt and corresponding negative report from my credit history. If you need to contact me, you XXXX reach me at XXXX or via email at XXXX. Thank you for your swift assistance in this matter. Also, attached are the following supporting documents : * Notifications letters sent from XXXX to and old address they had on file and never was forward to my current address by the XXXX XXXX XXXX Wil XXXX Final Notice - XXXX - Phone call logs to XXXX XXXX Email logs to XXXX XXXX A log of the phone call attempt to reach XXXX in order to file a claim on negative balance of - {$540.00} * A log of copy of written emails of intents to contact XXXX * XXXX evidence of the Credit Bureau XXXX XXXX that XXXX account is closed. \n*PHONE CALL LOGS TO BRIGHTSTAR PHONE # XXXXXXXX XXXX XXXX XXXX XXXXXXXX I spoke with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX will assist XXXX XXXX - Claim dispute, close the acct and contact Credit Bureau to revert XXXX XXXX- They will contact me by the end of the day - They will send an e-docu sign & survey of call XXXX XXXX I Called and XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX I Called and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I Called and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I called and spoke with XXXX and XXXX on the claim #. I was put on hold for XXXX XXXX, XXXX came back to the phone line and stated that acct XXXX properly closed. XXXX sent a letter on XXXX & XXXX to notify that the act is in negative balance and I have until XXXX to respond or file a claim. All BrightStar letters went to and old address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I never received a written XXXX forward notification from the post office to my current address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Otherwise I would of responded and dispute and file a claim on the acct. XXXX will send me a copy of the XXXX notification letters to include in the dispute to the XXXX Credit Bureau =============================================================== EMAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : XXXX XXXX XXXX XX/XX/XXXX at XXXX Good day XXXX XXXX It was very helpful and refreshing to know your institution has a good working person who is willing to help and assist a client who is having problems with the account. It's been over XXXX since we spoke last and correct me if I'm mistaken, but I haven't received a call nor an e- document as you mentioned. I kindly appreciate your time and consideration on my situation as I would like to fix this negative report on my XXXX credit report please. \nLooking forward to hearing from you ... With Best Regards, Thank you/ XXXX. \n=============================================================== XXXX From : XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX  Good day XXXX, I wanted to do a follow up of my Bright Star negative account and Claim we spoke about on XXXX. I haven't received a call, letter nor an e-document as you mentioned. I kindly appreciate your time and consideration on my situation, as I would like to fix this negative report on my XXXX credit report please. You XXXX contact XXXX. Looking forward to hearing from you ... With Best Regards, Thank you/ XXXX. \n=============================================================== XXXX From : XXXX To : XXXX XXXX Mon, XX/XX/XXXX at XXXX Good day XXXX XXXX I'm doing a XXXX follow up on my Bright Star negative account and Claim we spoke about on XXXX. Kindly see trend of emails please. With Best Regards, Thank you/ XXXX XXXX is a copy of the XXXX XXXX letter notifications sent to an existing address they had on file, but that werent forward to my current address : Address XXXX  has on file : Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Note : This exact letter has been sent to the respective XXXX Credit Bureaus : Equifax XXXX XXXX","date_sent_to_company":"2025-01-12T02:05:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"11483555","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-12T01:35:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["On the last two previous filed claims, <em>XXXX</em> was asked if the charges are or belong to me. Their response obviously was yes and I understand it because they were made on my <em>existing</em> <em>XXXX</em>  acct. However, I find it unacceptable and I request you to truly <em>investigate</em> this matter promptly."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[8.039874,"11483555"]},{"_index":"complaint-public-v1","_id":"11647019","_score":8.0366,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"From : XXXX. \nXXXX XXXX XXXX XXXX, XXXX, FL XXXX ( CURRENT ADDRESS ) To : CFPB Subject : Dispute of Unauthorized Charge and Request for Removal of Charge Off Status I am respectfully writing to formally file a claim for the third time ( see-attached copies of previous files attached ) as a Fraudulent activity & Identity Theft by disputing some unauthorized charges on an existing XXXX ( XXXX XXXX XXXX  XXXX XXXX Account XXXX which has adversely affected my credit score negatively. \n\nOn the last two previous filed claims, XXXX was asked if the charges are or belong to me. Their response obviously was yes and I understand it because they were made on my existing XXXX acct. However, I find it unacceptable and I request you to truly investigate this matter promptly. I also must insist to take the necessary steps to remove the disputed charged amounts and the associated charge off status on my Credit Bureau Report, since I did not make the transactions, nor did I authorize anyone else to do so on my behalf. As such, these charged amounts are a case of fraud activity and identity theft. \n\nPlease find attached copies of my identifications, and any other relevant documentation to assist in your investigation. I have also filed a claim with the appropriate authorities and obtained a police report, which is included with this letter. \n\nI appreciate your prompt attention to this urgent matter and look forward to resolving this issue swiftly. Please confirm receipt of this letter and provide updates on the progress of your investigation. \n\nAs I mentioned before, below are the reasons for my disagreement with these fraudulent charges as follows on : Account # : XXXX Router # : XXXX Member # : XXXX I opened an account only under my name with XXXX XXXX XXXX XXXX XXXX with the purpose of obtaining a loan with a low rate, but it didnt work out as I expected. \nTherefore on XX/XX/XXXX, I went in person to the branch in XXXX XXXX XXXX, XXXX XXXX, FL XXXX and I decided to withdraw the remaining balance of {$1600.00} and I requested to close the account as it shows on screenshot on the right. The same day I destroyed the debit card. To my surprise on XX/XX/XXXX, I received a Text Fraud Alert from XXXX. To my understanding and to my knowledge, the account was close, and honestly, I totally forgot about XXXX account as I completely stopped using it. \nConsequently, I decided to log on to XXXX online account and I was shocked that I still had access. I reviewed the account activity and noticed that they made multiple unauthorized transactions, leading me to believe the account was hacked and leaving the account overdrawn to the tune of a - {$540.00} balance. Apparently, XXXX sent me written notifications, to the address BSCU had in their system : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL, XXXX. However, since I requested to close the XXXX account back in XXXX, I moved twice. See below moving record for your review. \n- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL, XXXX, I lived in this address from XXXX to XXXX, and then we moved to : - XXXX XXXX XXXX XXXX, # XXXX, XXXX FL, XXXX, I lived in this address from XXXX to XXXX, about a month before I moved ( XXXX ) I requested to closed the account. Then we moved to : - XXXX XXXX  XXXX, # XXXX, XXXX, FL XXXX, I live in this address from XXXX to present. This unauthorized negative balance of - {$540.00} ; it resulted in a delinquent status and end up being reported to all three credit bureaus, affecting and lowering my credit score, starting on XXXX. I checked my credit score on XXXX and it shows as closed account I checked my credit score on XXXX and it shows as closed account I tried to check my credit score on TransUnion, but is a paid service I checked my credit score on XXXX, and it shows as closed account The account wasnt active for 10 months ( XXXX to starting on XXXX ) and no body from my home nor me made any charges from XX/XX/XXXX to XX/XX/XXXX because I am the only person in the account and I already destroyed the debit card on XXXX. XXXX charges I never made As soon as I became aware of the fraudulent activity, I contacted XXXX XXXX XXXX ( XXXX ) to report it in order to explain why I didnt contact them before and to file the proper claim. On XXXX, I was able to connect with a XXXX representative and spoke with XXXX XXXX ( XXXX, xt. XXXX ), who informed me that she will open a claim with XXXX. I attempted to follow up via phone by leaving voice mails and emailed on XXXX, XXXX & XXXX, but I didnt get a response ( See attached a copy of trend of emails sent ). On XXXX, I was able to speak again with XXXX XXXX and she informed that this case would need to be address directly with the credit reporting bureaus for two reasons : 1. This debt is a direct result of criminal bank fraud that has been recognized by XXXX. XXXX. Apparently, they sent me notifications ( XXXX & XXXX > see attached documents please ) to an old address, but I never got an opportunity to respond nor file a claim, as it was never forward to my current address. I have filed a written & online claim with the 3 credit bureaus, to request the following : XXXX. Please reinvestigate this matter and contact XXXX XXXX XXXX to have them delete or correct the disputed item ( s ) as soon as possible. XXXX. With the evidence provided, is my request that you remove the negative report from my credit file immediately so that my credit accurately reflects my responsible financial management rather than the unlawful actions of an outside hacker. XXXX. Restore my credit back to before XX/XX/XXXX and still count the earned points during the months of XX/XX/XXXX to XX/XX/XXXX towards increasing my corresponding credit score. Please let me know that you have removed this unauthorized debt and corresponding negative report from my credit history. If you need to contact me, you may reach me at XXXX or via email at XXXX. Thank you for your swift assistance in this matter. Also, attached are the following supporting documents : * Notifications letters sent from XXXX to and old address they had on file and never was forward to my current address by the post office XXXX Wil 1st Final Notice - XXXXWilFinalNotice - Phone call logs to XXXX  - Email logs to XXXX  * A log of the phone call attempt to reach XXXX in order to file a claim on negative balance of - {$540.00} * A log of copy of written emails of intents to contact XXXX * XXXXcreenshot evidence of the Credit Bureau check showing that XXXX account is closed. \n*PHONE CALL LOGS TO XXXX  PHONE # XXXX Ext XXXX XXXX XXXX I spoke with XXXX XXXX @ xt XXXX XXXX XXXX will assist with : - Claim dispute, close the acct and contact Credit Bureau to revert negative reports- They will contact me by the end of the day - They will send an e-docu sign & survey of call XXXX XXXX I Called and LVM to XXXX XXXX, XXXX XXXX XXXX I Called and LVM to XXXX XXXX, xt. XXXX XXXX XXXX I Called and LVM to XXXX XXXX, xt. XXXX XXXX XXXX I called and spoke with XXXX and checked on the claim #. I was put on hold for 15mins XXXX, XXXX came back to the phone line and stated that acct wasnt properly closed. XXXX sent a letter on XXXX & XXXX to notify that the act is in negative balance and I have until XXXX to respond or file a claim. All BrightStar letters went to and old address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I never received a written BSCU forward notification from the post office to my current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Otherwise I would of responded and dispute and file a claim on the acct. XXXX will send me a copy of the XXXX notification letters to include in the dispute to the 3 Credit Bureau =============================================================== EMAILS LOGS TO BRIGHTSTAR XXXX From : XXXX To : XXXX XXXX Wed, XX/XX/XXXX at XXXX Good day XXXX XXXX It was very helpful and refreshing to know your institution has a good working person who is willing to help and assist a client who is having problems with the account. It's been over 24hs since we spoke last and correct me if I'm mistaken, but I haven't received a call nor an e- document as you mentioned. I kindly appreciate your time and consideration on my situation as I would like to fix this negative report on my XXXX credit report please. \nLooking forward to hearing from you ... With Best Regards, Thank you/ XXXX. \n=============================================================== XXXX From : XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXX XXXX  Good day XXXX, I wanted to do a follow up of my XXXX XXXX negative account and Claim we spoke about on XXXX. I haven't received a call, letter nor an e-document as you mentioned. I kindly appreciate your time and consideration on my situation, as I would like to fix this negative report on my XXXX credit report please. You may contact me@XXXX. Looking forward to hearing from you ... With Best Regards, Thank you/ XXXX. \n=============================================================== XXXX From : XXXX To : XXXX XXXX Mon, XX/XX/XXXX at XXXX Good day XXXX XXXX I'm doing a 2nd follow up on my XXXX XXXX negative account and Claim we spoke about on XXXX. Kindly see trend of emails please. With Best Regards, Thank you/ XXXX Below is a copy of the XXXX XXXX letter notifications sent to an existing address they had on file, but that werent forward to my current address : Address XXXX  has on file : Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX Note : This exact letter has been sent to the respective three Credit Bureaus : XXXX Transunion XXXX","date_sent_to_company":"2025-01-18T03:48:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"11647019","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-18T03:48:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["On the last two previous filed claims, <em>XXXX</em> was asked if the charges are or belong to me. Their response obviously was yes and I understand it because they were made on my <em>existing</em> <em>XXXX</em> acct. However, I find it unacceptable and I request you to truly <em>investigate</em> this matter promptly."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[8.0366,"11647019"]},{"_index":"complaint-public-v1","_id":"13203533","_score":7.658898,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In response to XXXX this was for METHOD OF VERIFICATION Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT My last dispute TransUnion states that this account for XXXX Came back verified as accurate. They also mailed me documentation of how they verified this. 1. I have never received any documentation of how this was verified. 2. Please explain to me how you verified an account as accurate when it allegedly has a status of charge off, but is reporting its still open??? 3. Please explain how you verified a balance as accurate when you have no payment history, no payment amount, and no interest rating. So either 1. Validly explain how you verified an account that is being reported as charge off and is open. As accurate?? 2. To verify the balance, ( A ) I want to see every single payment made or not paid. Not the companies records but the record from the third party payee which they would have because this was on direct withdrawal for payment. ( B ) If there was an alleged miss payment, I want to see where was denied from the third-party pay ( C ) the interest rate and I want to see the interest rate that is on the contract with my wet signature since youre saying that you verified, this is accurate as mine ( D ) explain to me why this is not on XXXX or XXXX and theyve already removed this, but youve verified it as accurate. On my pervious complaint, it was stated TransUnion verified. This is accurate because they called the creditor. And this was done on a re-investigation. also, this is not my first time submitting a verification of investigation you had 15 days back XXXX of XXXX. And there was no explanation of investigation ever sent to me. So therefore, this should be deleted. And as Ive stated before, this is not my account, my account was closed back in XX/XX/XXXX. This account is being reported as open. This is not my account. I believe this is some kind of mixed file. And just because youve contacted the creditor and they stated over the phone that this is what happened unless that person has personal knowledge which means they actually seen every single payment Ive made and are willing to go to court raise their right hand under oath and state theyve seen every single payment made. Theyre just reading what they have in the computer. They dont know either. Thats why Im asking for verification and TransUnion is following FCRA rules.\n\nView full complaint Information requested Status CFPB requested more information from you on XX/XX/XXXX Please provide the information we need to keep your complaint moving. \nWe need your help to : Identify the company you complained about so we can send your complaint to them for response. We need as much contact information about this company as you can provide, such as the addresses of building locations, company websites, and phone numbers. \nPlease Provide : A document with as much company contact information as possible, such as the addresses of building locations, company websites, and phone numbers. \n\nAttachments Provided Dispute Investigation Results _ TransUnion Online Service Center ( 2 ) .XXXX XXXX XXXX XXXX XXXX Information received Status CFPB received requested information from you on XX/XX/XXXX Thank you for replying to our request for information. We are now able to resume work on this complaint. \n\nSent 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\nMarked as duplicate Status Marked as a duplicate complaint on XX/XX/XXXX This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. \n\nThe reference they are refuring to is for a reinvestigation of disputed items not method of verification. \n\nUS Flag An official website of the United States Government Logged in as XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT Disputed an account, XXXX that had fallen off my credit report which is now being reported, TransUnion only XXXX as off XX/XX/XXXX as 1. Open 2. Charge-off 3. Balance Due 4. Past Due Account as opened XX/XX/XXXX. XXXX has reported two missing payments from XX/XX/XXXX and XX/XX/XXXX, repossession from XX/XX/XXXX and a charge off from XX/XX/XXXX, but not one payment made. So from XX/XX/XXXX to XX/XX/XXXX it is reported as unknown. This is a FCRA VIOLATION 623 since this is inaccurate and incomplete since there was over 24 months to be reported. And out of those 24 months, there was only four months reported which were allergy negative Months. This directly affects my credit score due to the fact that payment history is 35 % of anyones credit score And since XXXX is reporting only 4 months they are reporting a100 % deagratory payment history. So therefore, if the company is not willing to go ahead and report every single month, every single payment down to the dollar this is incomplete and inaccurate, and must be deleted under fair credit reporting act. XXXX FCRA VIOLATION 623, creditors responsibilities. XX/XX/XXXX why was this account being reported from Closed to Open. It has appeared to be closed since XX/XX/XXXX. Over 5 yrs later there is a change? This account is from North Carolina well past the statute of limitations on collecting debt. FCRA VIOLATION OF ILLEGAL AGING! TransUnion accrued a FCRA VIOLATION, Credit due to agencies are required to have procedures in place to prevent incorrect reporting. And prevent harm to consumers. Transunion just reopened a closed account with no notice to consumer ( ME ). This account is also being reported as status update as of XX/XX/XXXX which that status is CHARGE OFF. By reporting this, Transunion, You are reporting that I had a charge off that was very current. Not over five years ago. As any derogatory account is being reported to a credit union, the most current derogatory accounts have the greatest impact on your credit score. FCRA VIOLATION of TransUnion of reporting incorrect information. This account originally came back onto my credit report in XX/XX/XXXX. Every month since XX/XX/XXXX, the status is updated to status updated to of that current month. Once again, re-aging now On a monthly basis. This is also a fair credit reporting act Sense it will attempt to be on my credit report for additional now seven years as of every single month. I have reported this previously to TransUnion annd XXXX for inaccurate information mainly for a reappearing account aka RE-AGING, and needs to corrected. Well, to no such prevail TransUnion reported verified as accurate. while XXXX deleted this account. And this account never reappeared onto XXXX. North Carolina statutes eliminations is only XXXX years So why is it after the statute of limitations is up for debt collection? This account is now re-aged?? Illegal remove Immediately!! This Account is also being reported as past due, which gives the appearance of mis payment history. Once again, another derogatory mark on my credit as of XX/XX/XXXX, which did not occur. As of XX/XX/XXXX, this account is still being reported as opened, which is once again completely incorrect. So TransUnion under FCRA XXXX, This is a reinvestigation, which means you have 15 days to correct or delete. If this count is not deleted within the 15 day time, period I would like to see exactly how this was determined, which is within my right under FCRA XXXX. I want to see everything too include but not limited to payment history balance history status status date All the positive payment history be reinstated and re-added to my XXXX XXXX etc And why this was added back to my TransUnion credit report after it Had already fallen off. And every derogatory mark after XX/XX/XXXX be removed. If this can not be done, theres no other option then to delete this entire account. Once again me, consumer is being harmed due to the fact, I can not utilize credit which would be readily available to me If TransUnion was reporting correctly or if XXXX. North Carolina would report correctly and completely. \n\nAttachments XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Incorrect information on your report Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo XXXX of XXXX XXXX information reappears or never goes away What happened? \nDisputed an account, XXXX that XXXX fallen off my credit report which is now being reported, TransUnion only XXXX as off XX/XX/XXXX as XXXX. Open XXXX. Charge-off XXXX. XXXX XXXX XXXX. XXXX XXXX Account as opened XX/XX/XXXX. XXXX has XXXX XXXX missing payments from XX/XX/XXXX and XX/XX/XXXX, repossession from XX/XX/XXXX and a charge off from XX/XX/XXXX, but not XXXX payment made. So from XX/XX/XXXX to XX/XX/XXXX it is reported as unknown. This is a FCRA XXXX XXXX since this is inaccurate and incomplete since there was over 24 months to be reported. And out of those 24 months, there was only XXXX months reported which were XXXX negative Months. This directly affects my XXXX XXXX due to the fact that payment history is 35 % of anyones XXXX XXXX And since XXXX XXXX XXXX only 4 months they are reporting XXXX % deagratory payment history. So therefore, if the company is not willing to go ahead and report every single month, every single payment down to the dollar this is incomplete and inaccurate, and must be deleted under fair credit reporting act. XXXX FCRA XXXX XXXX, creditors responsibilities. XX/XX/XXXX why was this account being reported from Closed to XXXX. It has appeared to be closed since XX/XX/XXXX. Over XXXX yrs later there is a change? This account is from North Carolina well past the statute of limitations on collecting debt. FCRA VIOLATION OF ILLEGAL AGING! TransUnion accrued a FCRA XXXX, XXXX due to agencies are required to have procedures in place to prevent incorrect reporting. And prevent harm to consumers. Transunion just reopened a closed account with no notice to consumer ( XXXX ). This account is also being reported as status update as of XX/XX/XXXX which that status is CHARGE OFF. By reporting this, Transunion, You are reporting that I had a charge off that was very current. Not over XXXX years ago. As any derogatory account is being reported to a credit union, the most current derogatory accounts have the greatest impact on your XXXX XXXX. FCRA XXXX XXXX TransUnion of reporting incorrect information. This account originally came back onto my credit report in XX/XX/XXXX. Every month since XX/XX/XXXX, the status is updated to status updated to of that current month. Once again, re-aging now On a monthly basis. This is also a fair credit reporting act Sense it will attempt to be on my credit report for additional now XXXX years as of every single month. I have reported this previously to TransUnion annd XXXX for inaccurate information mainly for a reappearing account aka RE-AGING, and needs to corrected. Well, to no such prevail TransUnion reported verified as accurate. while XXXX  deleted this account. And this account never reappeared onto XXXX. North Carolina statutes eliminations is only five years So why is it after the statute of limitations is up for debt collection? This account is now re-aged?? Illegal remove Immediately!! This Account is also being reported as past due, which gives the appearance of mis payment history. Once again, another derogatory mark on my credit as of XX/XX/XXXX, which did not occur. As of XX/XX/XXXX, this account is still being reported as opened, which is once again completely incorrect. So TransUnion under FCRA 611, This is a reinvestigation, which means you have 15 days to correct or delete. If this count is not deleted within the 15 day time, period I would like to see exactly how this was determined, which is within my right under FCRA 611. I want to see everything too include but not limited to payment history balance history status status date All the positive payment history be reinstated and re-added to my credit score etc And why this was added back to my TransUnion credit report after it Had already fallen off. And every derogatory mark after XX/XX/XXXX be removed. If this can not be done, theres no other option then to delete this entire account. Once again me, consumer is being harmed due to the fact, I can not utilize credit which would be readily available to me If TransUnion was reporting correctly or if XXXX. North Carolina would report correctly and completely. \n\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\nInactive modal What would be a fair resolution to this issue?\n\nDelete this account immediately. It is a Monthly Reoccurrence of XXXX now North Carolina also reporting incorrect in accurate information causing me harm. TransUnion, you are not following fair credit reporting act Compliances of disputes or Reasonable procedures to prevent in accurate information from being reported and causing harm to consumers. THIS ACCOUNT ALSO APPEARS IN MY POLICE REPORT SINCE THERE IS NO CURRENT NORTH CAROLINA ACCOUNT THAT I OWE. That is not fraudulent information provided by myself, This is 100 % accurate. I do believe this is a fraudulent attempt for XXXX To collect debt that is beyond the statute of limitations for their state. This will also be turned over to the FTC for fraud. \n7 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information XXXX What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX United States Your preferred language English Your demographic information Age XXXX XXXXXXXX XXXX XXXX, XXXX, or XXXX XXXX No Race XXXX Household size including total number of adults and children XXXX Combined annual household income {$50000.00} - {$74000.00} 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 In the case of XXXX XXXX XXXX, complaint number XXXX, we have investigated this matter with the full cooperation of the franchise-owned XXXX. XXXX XXXX is disputing the validity of her account reported to the credit bureaus. XXXX XXXX purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from the franchise-owned XXXX  location on XXXX XXXX XXXX  XXXX XXXX, NC. XXXX XXXX defaulted on her retail contract, and her vehicle was subsequently repossessed on XX/XX/XXXX. The vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of {$8300.00}. The account was charged off on XX/XX/XXXX. Upon receipt of this complaint, the credit bureau disputes team investigated this account and determined it to be valid and reporting accurately. XXXX XXXX has also disputed through the major credit bureaus. Our investigations have consistently verified the accuracy of the reported tradeline. XXXX has spoken directly with XXXX XXXX about these disputes, informing her that we will continue to address her concerns. However, based on our findings, we must emphasize that she indeed owes the debt in question. At XXXX we strive to achieve the highest level of satisfaction with every customer. While we sympathize with XXXX XXXX predicament, XXXX is required by the Fair Credit Reporting Act, as a data furnisher, to provide accurate credit reporting. We can not adhere to her request to have this removed from her credit report. \nFeedback provided Status Feedback provided on XX/XX/XXXX Your feedback The companys response addressed all of my issues No I understand the companys response to my complaint No The company did what they said they would do with my complaint No ADDITIONAL COMMENTS Re-read the complaint...... this was about inaccurate credit reporting. XXXX only reported the alledged delinquency months. This account was also closed XX/XX/XXXX so why was it reopened more then 5 years later?? Statue of liminations have already expired in NC..... So no XXXX through Transunion is being reported inaccurately.... Account is still currently being reported as opened, charged-off, balance due, and only 4 months show which is the alledged degatory months. Also I want to know what the interest was on this account because the balance does not look correct. Open XX/XX/XXXX Charged off XX/XX/XXXX term duration was only 43 months but only 36 % was paid...... and no balance history on file at all...... \n\nIt is obvious that none of my documents where reviewed or took into consideration. THis is just a surface level review of a comparison to their own internal records. Not a proper investigation. \n\nAlso, the last payment, which they had recorded received on XX/XX/XXXX for {$300.00} is not from a sale. THIS IS THE PRINCIPLE ALLOCATION FROM THE XXXX FROM XX/XX/XXXX WHERE XXXX HAD RECORDED THE PAYMENTS I MADE IN XXXX THEN STATED IN XX/XX/XXXX \" {$0.00} PAID IN XXXX. '' SINCE THE INTEREST HAD ALREADY ACCURED BY TIME THEY CAUGHT THIS ERROR THEY WHERE UNABLE TO MOVE THE INTEREST ONLY THE PRINCIPLE WHICH WAS INDICATED AS INCORRECT ACCOUNT. \n\nNOW IF I ACTUALLY HAD NOT PAID THE XX/XX/XXXX PAYMENT TO XXXX THE BALANCE WOULD HAVE INCREASED NOT STAYED THE SAME. \n\nFACTUALLY FALSE INFORMATION THAT XXXX CONTINUES TO REPORT, XXXX  IS NOT THEIR XXXX NAME OR ASSUMED BUSINESS NAME EITHER. RECORD OF FILED LICENSE WITH NC SECETARY OF STATE DATED XX/XX/XXXX. \n\nI HAVE PERSONALLY CALLED XXXX XXXX XXXX OCCATIONS AND THEY CAN NOT FIND ME IN THE SYSTEM.. WHY? BECAUSE THIS ACCOUNT DOES NOT EXSIST. THIS ACCOUNT WAS CLEARLY DELETED AND READDED WHEN XXXX HAD TO WRITE IT OFF AS A \" CHARGE-OFF '' FOR THE SECOND TIME. LOOK THERE IS NO PAYMENTS HISTORY JUST UNKNOW STATES, NO PAYMENT AMOUNT, NO PAST DUE HISTORY AND THE CHARGE OFF STATUS WAS NOT APPLIED UNTILL XX/XX/XXXX, XXXX YRS LATER. \n\nTHIS ACCOUNT IS NOW BEING REPORTED AS A CHARGE-OFF AND OPEN ACCOUNT, FACTUALLY FALSE INFORMATION. \n\nTHIS ACCOUNT IS NOW REFLECTING MISSING PAYMENTS WHERE AS BEFORE IT WAS NOT. \n\nTHIS IS JUST HARASSMENT BY XXXX FOR REPORTING THEM TO THE ATTORNEY GENERAL, CFPB, FTC, AND NOW FOR BRINGING THE BREACH OF CONTRACT TO DISTRICT COURT IN ILLINOIS.","date_sent_to_company":"2025-04-27T11:59:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"13203533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-27T11:59:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In response to <em>XXXX</em> this was for METHOD OF VERIFICATION Closed Submitted Status Submitted to the CFPB on XX/XX/<em>XXXX</em> Product Credit reporting or other personal consumer reports Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"issue":["<em>Problem</em> with a 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":[7.658898,"13203533"]},{"_index":"complaint-public-v1","_id":"16032479","_score":6.5723014,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THIS DISPUTE IS NOT A DUPLICATE DISPUTE, I REPEAT THIS IS NOT A DUPLICATE DISPUTE AI!! ! XXXX I AM A DECORATED WAR VETERAN WHO DEMANDS RESPECT, AFTER FIGHTING FOR THIS SORRY XXXX COUNTRY, ONLY TO HAVE TO FIGHT WITH A AI CORRUPTED XXXX BAIS XXXX SYSTEM SETUP FOR MINORITIES FAILURE!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. \nKey Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the three major CRAs ( XXXX, TransUnion, and XXXX  ) once every 12 months.\n\nAdverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. \nDispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it. \n\n\n\nCFPB NEVER DID A THOROUGH INTERNAL INVESTIGATION ON THIS DISPUTE, XXXX CFPB NEVER EVEN GAVE ME A CHANCE TO RESPONDE. I HAVE PROOF, HERE IS THE FULL DISPUTE I SUBMITTED BELOW AS FOLLOWS : Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT CFPB HAS NOT BEEN COMPLYING TO REGULATIONS. XXXX XXXX and co-plaintiffs file lawsuit challenging CFPB Credit Card Late Fees Rule XX/XX/XXXX The XXXX XXXX  filed a lawsuit seeking a preliminary injunction to stop the Consumer Financial Protection Bureau ( CFPB ) from implementing a rule that punishes responsible credit card users who pay their bills on time. In promulgating its rule to limit credit card late fees, the CFPB not only exceeded its statutory authority but did so by relying on the use of secret data collected for an unrelated purpose. Among other arguments, the XXXX XXXX  and co-plaintiffs specifically are suing the CFPB for : - Violating the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) of XXXX by preventing issuers from collecting reasonable and proportional late fees when cardholders dont pay their bills on time ; - Violating the Administrative Procedure Act ( APA ) by promulgating a final rule that is arbitrary and capricious, relying on secret data collected from only the largest banks for a different purpose and by a different agency ; and - Issuing the rulemaking with funds drawn in violation of the U.S. Constitutions Appropriations Clause. The XXXX XXXX  filed the lawsuit with co-plaintiffs : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Trans Union, XXXX XXXX XXXX. Plaintiffs mortgage servicer was XXXX XXXX XXXX. When the pandemic began, just like many other homeowners, the plaintiffs were hit with financial stress and qualified for and agreed to a forbearance. Despite the forbearance agreement, XXXX XXXX XXXX began reporting to Trans Union, XXXX XXXX XXXX that plaintiffs were late on their mortgage payments. Despite multiple disputes, XXXX XXXX XXXX, Trans Union, XXXX XXXX XXXX all failed to correct the inaccurate reporting, and the Plaintiffs suffered financial damage as a result. XXXX XXXX XXXX, TransUnion, XXXX  and XXXX. Plaintiffs credit reports are inaccurate. The inaccurate information is at least two accounts from the Deptartment of EducationXXXX XXXX social security numbers ; addresses ; and phone numbers that do not belong to her but belong to another person. Due to the faulty procedures of XXXX, TransUnion, and XXXX, the Plaintiff was mixed with at least one other consumer on her credit reports. Plaintiff disputed the inaccurate information, which was not corrected by any of the bureaus. She was denied a mortgage. 18 U.S.C. 241, also known as the \" Conspiracy Against Rights '' statute, is a U.S. federal law that criminalizes conspiracies to interfere with the exercise of rights secured by the Constitution or laws of the United States. Specifically, it prohibits two or more people from agreeing to injure, oppress, threaten, or intimidate someone in the free exercise or enjoyment of any right or privilege secured by federal law or the Constitution. Violations can result in fines, imprisonment for up to ten years, or, if death or certain other serious felonies result, even life imprisonment or death. As the Supreme Court recently noted, 28 U.S.C. 1367 provides litigants an opportunity to pursue complete relief in a federal-court lawsuit. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ). Section 1367 codified the concept of pendent or ancillary jurisdic- tion set forth in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX The section also provides the statutory basis upon which a federal district court can exercise subject matter jurisdiction over a state law claim that could not, by itself, be brought in fed- eral court if such a claim arises from the same set of operative facts that form the basis of the underlying federal claim. Specifically, 1367 ( a ) provides, in rel- evant part, that district courts shall have supplemen- tal jurisdiction over all other claims that are so related to claims in the action within [ the courts ] original jurisdiction that they form part of the same case or controversy under Article III of the United States Constitution. 28 U.S.C. 1367 ( a ) ( emphasis added ). In other words, the case or controversy formula- tion set forth in Article III of the Constitution confers supplemental jurisdiction over state law claims that arise out of a common nucleus of operative facts with substantive federal claims.2 In determining whether multiple disputes arise from a common nucleus of operative facts, the Second Circuit asks whether the facts underlying the claims before it substantially over- lap or whether the federal claim necessarily brought the facts underlying the state claim before the court. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) XXXX Thus, the determination at the heart of the question of whether or not a district court possesses supplemental jurisdiction is fact-based and is necessarily made on a case-by-case basis. A district court must therefore conduct a close examination of the facts it in each case underlying the federal and state claims to ensure that the facts derive from a single occurrence or set of facts. REMOVAL OF ALL INQUIRIES ON ALL THREE BUREAUS CREDIT REPORTS IMMEDIATELY!!! XXXX XXXX XXXX REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS, IMMEDIATELY RELATED TO THIS XXXX XXXX  ACCOUNT, ALSO XXXX XXXX XXXX  ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. THAT THIS DEBT OBLIGATION BE MEET WITH LEGAL TENDER IN THE AMOUNT OF {$1000.00} FOR EACH VIOLATION!! ! XXXX, AND THAT PAID OBLIGATION BE SENT THROUGH U.S. POSTAL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The Executor of The Estate of : XXXX XXXX XXXX of the [ XXXX XXXX ] UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. REMOVAL OF ALL INQUIRIES XXXX XXXX IMMEDIATELY FROM ALL THREE BUREAUS XXXX, TRANSUNION, AND XXXX  IMMEDIATELY!!! XXXX CODE XXXX. REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX XXXX  ACCOUNT, ALSO XXXX XXXX XXXX  ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EXPERIAN CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX XXXX  ) Attachments XXXX XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX XXXX ( XXXX KB ) View full complaint 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 still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX  at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : XXXX XXXX XXXX Please note that you may also submit your request or documents supporting your claim electronically at XXXX  You may also visit XXXX dispute center by visitingXXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with XXXX. XXXX  's XXXX XXXX XXXX XXXX XXXX advice with readers ' questions answered by XXXX  's experts. Popular topics from credit reports and scores to life events, id theft and fraud. \nPrivacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX to XXXX XXXX  ET, Monday through Friday ( except federal holidays ). \nMore than 180 languages available. \nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-09-18T13:43:20.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"16032479","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-18T13:42:54.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["I HAVE PROOF, HERE IS THE FULL DISPUTE I SUBMITTED BELOW AS FOLLOWS : Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints <em>XXXX</em> Print complaint <em>Open</em> Submitted Status Submitted to the CFPB on XX/XX/<em>XXXX</em> Product Credit reporting or other personal consumer reports Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."]},"sort":[6.5723014,"16032479"]},{"_index":"complaint-public-v1","_id":"15946981","_score":6.10838,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TRANSUNION HAS NOT BEEN CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES. I HAVE FOLED THREE DIFFERENT DISPUTES ON TRANSUNION ONLY FOR THEM TO CLOSE MY DISPUTES WITH NO INVESTIGATION. ALSO TRANSUNION TOOK OFF MY XXXX CREDIT CARD ACCOUNT OF 44 YEARS TO DO DETRIMENTAL HARM TO MY CREDIT REPORTS. \n\n\n\nTRANSUNION XXXX Inactive modal An official website of the United States Government Logged in as XXXX XXXX XXXX Start a new complaint All complaints XXXX complaint Closed Submitted StatusSubmitted to the CFPB on XXXX reporting or other personal consumer reportsIssueUnable to get your credit report or credit score We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT ALL OF THESE ACCOUNTS ARE OVER THIRTY DAYS. IMMEDIATE ATTENTION NEEDED ASAP!! ! XXXX PLUS I AM A XXXX XXXX XXXX WAR VETERAN WHO FOUGHT FOR THIS DISLOYAL XXXX COUNTRY TO COME HOME AND BE ATTACKED BY AI FOR THE FAKE THREE GOVERNMENT CREDIT REPORTING AGENCIES. CFPB HAS NOT CONDUCTED THOROUGH INTERNAL INVESTIGATIONS!! ! XXXX HIDDING ANSWER TO DISPUTE FROM PUBLIC. I WILL SHOW YOU THIER RESPONSE TO MY DISPUTE. I HAVE THE SAME INFORMATION REPORTING AFTER BEENING REMOVED FROM ALL THREE BUREAUS, NOW ALL THREE BUREAUS REPORTING INACCURATE AND DEROGATORY MARKS AGAIN DOING GRAVE DETRIMENTAL AND DISLOYAL HARM TO ME MY FAMILY AND THE UNITED STATES GOVERNMENT WHICH I AM A EMPLOYEE OF. Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Sincerely : THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX View full complaint Information requested Status CFPB requested more information from you on XX/XX/XXXX Please provide the information we need to keep your complaint moving. We need your help to : Determine which company you want us to send your complaint to for response. We can only send your complaint to one company. Please Provide : A document with as much company contact information as possible, such as the addresses of building locations, company websites, and phone numbers. Attachments Provided XXXX XXXX ( XXXX KB ) XXXX XXXX ( XXXX KB ) XXXX XXXX  ( XXXX ) .XXXX  ( XXXX KB ) XXXX XXXX ( XXXX KB ) Information received Status CFPB received requested information from you on XX/XX/XXXX Thank you for replying to our request for information. We are now able to resume work on this complaint. 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. Their response should include the steps they took, or will take, to address your complaint. Companies 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. Company still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed, a final response will be forwarded to you for review. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX  at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX  Please note that you may also submit your request or documents supporting your claim electronically at XXXX. You may also visit XXXX dispute center by visitingXXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with XXXX. Privacy XXXX XXXX XXXX # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX a.m. to XXXX XXXX XXXX Monday through Friday ( except federal holidays ). More than 180 languages available. US Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail. ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER 44 YEARS OLD [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER 21 ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. \nXXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX XXXX XXXX ( XXXX KB ) XXXX ( XXXX MB ) Viewfull complaint Sent to company StatusSent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \nTheir response should include the steps they took, or will take, to address your complaint. \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. \nCompany still working StatusCompany response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \nCOMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. \nMarked as duplicate StatusMarked as a duplicate complaint on XX/XX/XXXX This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. \nPrivacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX to XXXX XXXX. XXXX, Monday through Friday ( except federal holidays ). \nMore than 180 languages available. \nAn official website of the United States Government Inactive modal Inactive modal Inactive modal Complaint Detail Inactive modal An official website of the United States Government Logged in as XXXX XXXX XXXX XXXX a new complaint All complaints Inactive modal An official website of the United States Government Logged in as XXXX XXXX XXXX XXXX a new complaint All complaints XXXX complaint Closed Submitted StatusSubmitted to the CFPB on XXXX reporting or other personal consumer reportsIssueProblem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT CFPB HAS NOT BEEN CONDUCTING THOROUGH INTERNAL INVESTIGATIONS!! ! XXXX FAKE GOVERNMENT ENTITY CFPB!! ! XXXX NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB DID NOT SEND MY DISPUTE TO THE COMPANY FOR A FULL MONTH WHAT IS GOING ON HERE. WE THE PEOPLE ASK FOR TRANSPARENCY!! ! XXXX Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Debt collection Issue Attempts to collect debt not owed We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT XXXX XXXX XXXX XXXX XXXX Trans Union, XXXX  and XXXX. Plaintiffs mortgage servicer was XXXX XXXX XXXX. When the pandemic began, just like many other homeowners, the plaintiffs were hit with financial stress and qualified for and agreed to a forbearance. Despite the forbearance agreement, XXXX XXXX XXXX began reporting to Trans Union, XXXX, and XXXX  that plaintiffs were late on their mortgage payments. Despite multiple disputes, XXXX XXXX XXXX, Trans Union, XXXX, and XXXX  all failed to correct the inaccurate reporting, and the Plaintiffs suffered financial damage as a result. XXXX XXXX XXXX, TransUnion, XXXX  and XXXX. Plaintiffs credit reports are inaccurate. The inaccurate information is at least two accounts from the Deptartment of EducationXXXX ; social security numbers ; addresses ; and phone numbers that do not belong to her but belong to another person. Due to the faulty procedures of XXXX, TransUnion, and XXXX, the Plaintiff was mixed with at least one other consumer on her credit reports. Plaintiff disputed the inaccurate information, which was not corrected by any of the bureaus. She was denied a mortgage. 18 U.S.C. 241, also known as the \" Conspiracy Against Rights '' statute, is a U.S. federal law that criminalizes conspiracies to interfere with the exercise of rights secured by the Constitution or laws of the United States. Specifically, it prohibits two or more people from agreeing to injure, oppress, threaten, or intimidate someone in the free exercise or enjoyment of any right or privilege secured by federal law or the Constitution. Violations can result in fines, imprisonment for up to ten years, or, if death or certain other serious felonies result, even life imprisonment or death. As the Supreme Court recently noted, 28 U.S.C. 1367 provides litigants an opportunity to pursue complete relief in a federal-court lawsuit. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ). Section 1367 codified the concept of pendent or ancillary jurisdic- tion set forth in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX The section also provides the statutory basis upon which a federal district court can exercise subject matter jurisdiction over a state law claim that could not, by itself, be brought in fed- eral court if such a claim arises from the same set of operative facts that form the basis of the underlying federal claim. Specifically, 1367 ( a ) provides, in rel- evant part, that district courts shall have supplemen- tal jurisdiction over all other claims that are so related to claims in the action within [ the courts ] original jurisdiction that they form part of the same case or controversy under Article III of the United States Constitution. 28 U.S.C. 1367 ( a ) ( emphasis added ). In other words, the case or controversy formula- tion set forth in Article III of the Constitution confers supplemental jurisdiction over state law claims that arise out of a common nucleus of operative facts with substantive federal claims.2 In determining whether multiple disputes arise from a common nucleus of operative facts, the Second Circuit asks whether the facts underlying the claims before it substantially over- lap or whether the federal claim necessarily brought the facts underlying the state claim before the court. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) XXXX Thus, the determination at the heart of the question of whether or not a district court possesses supplemental jurisdiction is fact-based and is necessarily made on a case-by-case basis. A district court must therefore conduct a close examination of the facts it in each case underlying the federal and state claims to ensure that the facts derive from a single occurrence or set of facts. REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX XXXX  ACCOUNT, ALSO XXXX XXXX  'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. THAT THIS DEBT OBLIGATION BE MEET WITH LEGAL TENDER IN THE AMOUNT OF {$1000.00} FOR EACH VIOLATION!! ! XXXX, AND THAT PAID OBLIGATION BE SENT THROUGH U.S. POSTAL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The Executor of The Estate of : XXXX XXXX XXXX of the [ XXXX XXXX ] UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX FINANCE ACCOUNT, ALSO XXXX XXXX 'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EXPERIAN CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX XXXX  ) Attachments XXXX Spooler.jpg ( XXXX KB ) XXXX ( XXXX KB ) XXXX XXXX ( XXXX KB ) Hide full complaint What product or service is your complaint about? PRODUCT OR SERVICE Debt collection TYPE Auto debt What type of problem are you having? Inactive modal Issue Attempts to collect debt not owed Have you already tried to fix this problem with the company? Yes Did you request information from the company? No Type of Issue Debt was already discharged in bankruptcy and is no longer owed What happened? XXXX XXXX XXXX XXXX XXXX, Trans Union, XXXX  and XXXX. Plaintiffs mortgage servicer was XXXX XXXX XXXX. When the pandemic began, just like many other homeowners, the plaintiffs were hit with financial stress and qualified for and agreed to a forbearance. Despite the forbearance agreement, XXXX XXXX XXXX began reporting to Trans Union, XXXX, and XXXX  that plaintiffs were late on their mortgage payments. Despite multiple disputes, XXXX XXXX XXXX, Trans Union, XXXX, and XXXX  all failed to correct the inaccurate reporting, and the Plaintiffs suffered financial damage as a result. XXXX XXXX XXXX, TransUnion, XXXX  and XXXX. Plaintiffs credit reports are inaccurate. The inaccurate information is at least two accounts from the Deptartment of EducationXXXX ; social security numbers ; addresses ; and phone numbers that do not belong to her but belong to another person. Due to the faulty procedures of XXXX, TransUnion, and XXXX, the Plaintiff was mixed with at least one other consumer on her credit reports. Plaintiff disputed the inaccurate information, which was not corrected by any of the bureaus. She was denied a mortgage. 18 U.S.C. 241, also known as the \" Conspiracy Against Rights '' statute, is a U.S. federal law that criminalizes conspiracies to interfere with the exercise of rights secured by the Constitution or laws of the United States. Specifically, it prohibits two or more people from agreeing to injure, oppress, threaten, or intimidate someone in the free exercise or enjoyment of any right or privilege secured by federal law or the Constitution. Violations can result in fines, imprisonment for up to ten years, or, if death or certain other serious felonies result, even life imprisonment or death. As the Supreme Court recently noted, 28 U.S.C. 1367 provides litigants an opportunity to pursue complete relief in a federal-court lawsuit. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ). Section 1367 codified the concept of pendent or ancillary jurisdic- tion set forth in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX The section also provides the statutory basis upon which a federal district court can exercise subject matter jurisdiction over a state law claim that could not, by itself, be brought in fed- eral court if such a claim arises from the same set of operative facts that form the basis of the underlying federal claim. Specifically, 1367 ( a ) provides, in rel- evant part, that district courts shall have supplemen- tal jurisdiction over all other claims that are so related to claims in the action within [ the courts ] original jurisdiction that they form part of the same case or controversy under Article III of the United States Constitution. 28 U.S.C. 1367 ( a ) ( emphasis added ). In other words, the case or controversy formula- tion set forth in Article III of the Constitution confers supplemental jurisdiction over state law claims that arise out of a common nucleus of operative facts with substantive federal claims.2 In determining whether multiple disputes arise from a common nucleus of operative facts, the Second Circuit asks whether the facts underlying the claims before it substantially over- lap or whether the federal claim necessarily brought the facts underlying the state claim before the court. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) .XXXX Thus, the determination at the heart of the question of whether or not a district court possesses supplemental jurisdiction is fact-based and is necessarily made on a case-by-case basis. A district court must therefore conduct a close examination of the facts it in each case underlying the federal and state claims to ensure that the facts derive from a single occurrence or set of facts. REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX XXXX  ACCOUNT, ALSO XXXX XXXX 'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. THAT THIS DEBT OBLIGATION BE MEET WITH LEGAL TENDER IN THE AMOUNT OF {$1000.00} FOR EACH VIOLATION!! ! XXXX, AND THAT PAID OBLIGATION BE SENT THROUGH XXXX. POSTAL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The Executor of The Estate of : XXXX XXXX XXXX of the [ XXXX XXXX ] UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX XXXX  ACCOUNT, ALSO XXXX XXXX 'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM XXXX  CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX XXXX  ) I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The 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. Inactive modal What would be a fair resolution to this issue? XXXX XXXX XXXX XXXX XXXX, Trans Union, XXXX and XXXX. Plaintiffs mortgage servicer was XXXX XXXX XXXX. When the pandemic began, just like many other homeowners, the plaintiffs were hit with financial stress and qualified for and agreed to a forbearance. Despite the forbearance agreement, XXXX XXXX XXXX began reporting to Trans Union, XXXX, and XXXX  that plaintiffs were late on their mortgage payments. Despite multiple disputes, XXXX XXXX XXXX, Trans Union, XXXX, and XXXX  all failed to correct the inaccurate reporting, and the Plaintiffs suffered financial damage as a result. XXXX XXXX XXXX, TransUnion, XXXX  and XXXX. Plaintiffs credit reports are inaccurate. The inaccurate information is at least two accounts from the Deptartment of EducationXXXXXXXX ; social security numbers ; addresses ; and phone numbers that do not belong to her but belong to another person. Due to the faulty procedures of XXXX, TransUnion, and XXXX, the Plaintiff was mixed with at least XXXX other consumer on her credit reports. Plaintiff disputed the inaccurate information, which was not corrected by any of the bureaus. She was denied a mortgage. 18 U.S.C. 241, also known as the \" Conspiracy Against Rights '' statute, is a U.S. federal law that criminalizes conspiracies to interfere with the exercise of rights secured by the Constitution or laws of the United States. Specifically, it prohibits two or more people from agreeing to injure, oppress, threaten, or intimidate someone in the free exercise or enjoyment of any right or privilege secured by federal law or the Constitution. Violations can result in fines, imprisonment for up to ten years, or, if death or certain other serious felonies result, even life imprisonment or death. As the Supreme Court recently noted, 28 U.S.C. 1367 provides litigants an opportunity to pursue complete relief in a federal-court lawsuit. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ). Section 1367 codified the concept of pendent or ancillary jurisdic- tion set forth in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX The section also provides the statutory basis upon which a federal district court can exercise subject matter jurisdiction over a state law claim that could not, by itself, be brought in fed- eral court if such a claim arises from the same set of operative facts that form the basis of the underlying federal claim. Specifically, 1367 ( a ) provides, in rel- evant part, that district courts shall have supplemen- tal jurisdiction over all other claims that are so related to claims in the action within [ the courts ] original jurisdiction that they form part of the same case or controversy under Article III of the United States Constitution. 28 U.S.C. 1367 ( a ) ( emphasis added ). In other words, the case or controversy formula- tion set forth in Article III of the Constitution confers supplemental jurisdiction over state law claims that arise out of a common nucleus of operative facts with substantive federal claims.2 In determining whether multiple disputes arise from a common nucleus of operative facts, the Second Circuit asks whether the facts underlying the claims before it substantially over- lap or whether the federal claim necessarily brought the facts underlying the state claim before the court. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) XXXX Thus, the determination at the heart of the question of whether or not a district court possesses supplemental jurisdiction is fact-based and is necessarily made on a case-by-case basis. A district court must therefore conduct a close examination of the facts it in each case underlying the federal and state claims to ensure that the facts derive from a single occurrence or set of facts. REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX XXXX  ACCOUNT, ALSO XXXX XXXX 'S ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX IMMEDIATELY!! ! XXXX ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. THAT THIS DEBT OBLIGATION BE MEET WITH LEGAL TENDER IN THE AMOUNT OF {$1000.00} FOR EACH VIOLATION!! ! XXXX, AND THAT PAID OBLIGATION BE SENT THROUGH U.S. POSTAL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The Executor of The Estate of : XXXX XXXX XXXX of the [ XXXX XXXX ] UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX XXXX  ACCOUNT, ALSO XXXX","date_sent_to_company":"2025-09-15T21:02:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"15946981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-15T20:50:59.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[6.10838,"15946981"]},{"_index":"complaint-public-v1","_id":"11039138","_score":5.3700814,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THIS IS NOT A DUPLICATE COMPLAINT. On XXXX XXXX, XXXX, I submitted CFPB Complaint # XXXX to Equifax concerning obtaining my personal information from their The Work Number service -- a third-party employment verification service run by Equifax. On XXXX XXXX, Equifax responded that this had to do with XXXX XXXX XXXX- - what?! No where in my complaint did I mention anything to do with XXXX XXXX, so it's my belief that Equifax responded to the incorrect complaint of another consumer whose situation has nothing to do with me. Whatever the case, this is another example of Equifax 's poor data management and complaints handling process. I am asking Equifax to slowly, carefully and thoroughly re-read my original complaint, which I'm including in this new complaint, and have one of their executives respond directly to me. Further, it took Equifax nearly 30 days to respond to me, and I believe their XXXX XXXX response was merely a system-generated response to avoid any potential penalties they may incur for late responses ; that is, Equifax deliberately responded with false, inaccurate information concerning my complaint to stop the clock on their time to respond to me. Here is my complaint one more time : On XXXX XXXX, XXXX, I attempted to place a freeze on my The Work Number report, which is managed by Equifax, via their online system. I provided all my personal information requested by Equifax, including my name, date of birth, address, Social Security number and more. I was successfully able to create a log-in username and password, which then gave me access to The Work Number 's dashboard of tasks including the ability to view my report online at that time. When I clicked on the option to view my report, I received an error message that stated something to the effect of : \" We're sorry! This doesn't happen often, but we need additional information to allow you access to view your report, '' at which point it told me to download a form -- a form that asked me for the exact same information I provided to gain access to The Work Number site and dashboard, along with sending in documents to provide my identity and address -- a driver license, passport, lease, utility bill, etc. I was frustrated and confused at this point, because Equifax was asking me to handwrite a form and send in copies of documents with sensitive data on them, which would contain precisely the same information I already supplied to gain access to my The Work Number site in the first place. I then called the customer service number to place a freeze on my report by phone, because Equifax says you can place a freeze by calling their XXXX XXXX XXXX at ( XXXX ) XXXX. I called the XXXX XXXX XXXX, only to be told that they can't actually place the freeze over the phone -- I had to go back to TheWorkNumber.com and follow the online prompts to send an online message to request to open up a dispute case to place a freeze on my report. To say that we can place a freeze on our report data is deceptive and unfair, because their XXXX XXXX representatives can not do that ; consumers are required to use their online system. So, once again, I had to fill out Equifax 's online contact form with my personal data, explain that I wanted a freeze placed on my report, at which point I sent off the online contact form, only to receive a reply that Equifax would follow up with a secured email, with no specified timeframe for the follow up, with more information on how to complete placing the freeze on my report. Approximately 24 hours later, I received their secured email, which made me click on a link to take me to the secured email and enter my previously created username/password, and then I had to click yet another link to be sent a verification email by yet another company called XXXX, XXXX sent me an email that advised me to click on yet another link to verify that I have proper access to view the secured email sent to me by Equifax. At this point, in order to open up one secured message from Equifax, I had to go through Equifax, click a link to verify my identity, enter my username/password, wait for another email from XXXX, click on their link to verify I'm who I say I am and entitled to view Equifax 's secured message to me, and then finally I can view the message. Once I viewed the message from Equifax, I was advised to use their secured/encrypted messaging platform to upload identification documents to prove my identity and current address -- On XXXX XXXX, I uploaded my Social Security card, Minnesota driver 's license, a recent electricity bill and my signed lease agreement. In the body of my message to Equifax, I specifically stated I want an immediate freeze placed on my Work Number report, because I am in the process of closing on my mortgage and I don't want any new inquiries or fraud on my credit and consumer reports. Since XXXX XXXX, I have received nothing but carbon copies of the emails I've sent Equifax, where I've asked them for a status update on my freeze request on XXXX XXXX. Each email I send them requires me to twice click on links to verify and immediately re-verify my identity through Equifax 's third-party messaging service through XXXX. On XXXX XXXX, I called the same XXXX XXXX XXXX number as before to speak to a live person to ask for a status update on my freeze report request. The representative told me they can not confirm or deny any freeze requests over the phone -- it would all need to be done by email to : XXXX. So, I emailed that email address, only to receive an automated reply telling me I need to submit all my identity and address verification documents again. This email provided absolutely no update or any personalized response to my request for a status update on my freeze request -- all the while I'm trying to freeze my consumer data so I can smoothly complete the home-buying process. I assert that Equifax is knowingly and intentionally engaging in unfair, abusive and deceptive practices by misstating that disputes can be done over the phone when they can not ; the amount of steps, tasks and data that need to be taken and given to place a freeze on my own data are intentionally and deliberately burdensome, cumbersome, daunting and confusing to the average consumer, thus intentionally dissuading consumers from disputing and/or freezing our own data that Equifax itself manages ; and it's abusive and unfair to not offer the report online, fraudulently claiming that \" this doesn't happen often ...., '' forcing me to handwrite their data freeze form and send in documentation, again intentionally dissuading and forcing the average consumer to abandon their right to view, inspect, dispute and freeze consumer data, because Equifax knowingly makes the process of doing so nearly impossible to navigate and complete, leading to unnecessary, lengthy delays in responding to data freeze requests such as mine. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Other personal consumer report What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing issue Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Difficulty submitting a dispute or getting information about a dispute over the phone What happened? \nOn XXXX XXXX, XXXX, I attempted to place a freeze on my The Work Number report, which is managed by Equifax, via their online system. I provided all my personal information requested by Equifax, including my name, date of birth, address, Social Security number and more. I was successfully able to create a log-in username and password, which then gave me access to The Work Number 's dashboard of tasks including the ability to view my report online at that time. When I clicked on the option to view my report, I received an error message that stated something to the effect of : \" We're sorry! This doesn't happen often, but we need additional information to allow you access to view your report, '' at which point it told me to download a form -- a form that asked me for the exact same information I provided to gain access to The Work Number site and dashboard, along with sending in documents to provide my identity and address -- a driver license, passport, lease, utility bill, etc. I was frustrated and confused at this point, because Equifax was asking me to handwrite a form and send in copies of documents with sensitive data on them, which would contain precisely the same information I already supplied to gain access to my The Work Number site in the first place. I then called the customer service number to place a freeze on my report by phone, because Equifax says you can place a freeze by calling their XXXX XXXX XXXX at ( XXXX ) XXXX. I called the XXXX XXXX XXXX, only to be told that they can't actually place the freeze over the phone -- I had to go back to TheWorkNumber.com and follow the online prompts to send an online message to request to open up a dispute case to place a freeze on my report. To say that we can place a freeze on our report data is deceptive and unfair, because their XXXX XXXX representatives can not do that ; consumers are required to use their online system. So, once again, I had to fill out Equifax 's online contact form with my personal data, explain that I wanted a freeze placed on my report, at which point I sent off the online contact form, only to receive a reply that Equifax would follow up with a secured email, with no specified timeframe for the follow up, with more information on how to complete placing the freeze on my report. Approximately 24 hours later, I received their secured email, which made me click on a link to take me to the secured email and enter my previously created username/password, and then I had to click yet another link to be sent a verification email by yet another company called XXXX, XXXX sent me an email that advised me to click on yet another link to verify that I have proper access to view the secured email sent to me by Equifax. At this point, in order to open up one secured message from Equifax, I had to go through Equifax, click a link to verify my identity, enter my username/password, wait for another email from XXXX, click on their link to verify I'm who I say I am and entitled to view Equifax 's secured message to me, and then finally I can view the message. Once I viewed the message from Equifax, I was advised to use their secured/encrypted messaging platform to upload identification documents to prove my identity and current address -- On XXXX XXXX, I uploaded my Social Security card, Minnesota driver 's license, a recent electricity bill and my signed lease agreement. In the body of my message to Equifax, I specifically stated I want an immediate freeze placed on my Work Number report, because I am in the process of closing on my mortgage and I don't want any new inquiries or fraud on my credit and consumer reports. Since XXXX XXXX, I have received nothing but carbon copies of the emails I've sent Equifax, where I've asked them for a status update on my freeze request on XXXX XXXX. Each email I send them requires me to twice click on links to verify and immediately re-verify my identity through Equifax 's third-party messaging service through XXXX. On XXXX XXXX, I called the same XXXX XXXX XXXX number as before to speak to a live person to ask for a status update on my freeze report request. The representative told me they can not confirm or deny any freeze requests over the phone -- it would all need to be done by email to : XXXX. So, I emailed that email address, only to receive an automated reply telling me I need to submit all my identity and address verification documents again. This email provided absolutely no update or any personalized response to my request for a status update on my freeze request -- all the while I'm trying to freeze my consumer data so I can smoothly complete the home-buying process. I assert that Equifax is knowingly and intentionally engaging in unfair, abusive and deceptive practices by misstating that disputes can be done over the phone when they can not ; the amount of steps, tasks and data that need to be taken and given to place a freeze on my own data are intentionally and deliberately burdensome, cumbersome, daunting and confusing to the average consumer, thus intentionally dissuading consumers from disputing and/or freezing our own data that Equifax itself manages ; and it's abusive and unfair to not offer the report online, fraudulently claiming that \" this doesn't happen often ...., '' forcing me to handwrite their data freeze form and send in documentation, again intentionally dissuading and forcing the average consumer to abandon their right to view, inspect, dispute and freeze consumer data, because Equifax knowingly makes the process of doing so nearly impossible to navigate and complete, leading to unnecessary, lengthy delays in responding to data freeze requests such as mine. \n\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. \nInactive modal What would be a fair resolution to this issue? \nI want an immediate freeze placed on my Work Number report for the case I've already created via Equifax 's The Work Number website. For Equifax 's unfair, abusive and deceptive practices on placing a freeze on my Work Number report, which has led to unnecessary delays in placing the freeze and thus continuing to compromise my data, I would like a complimentary membership to their credit monitoring product. Finally, I ask that the CFPB investigate for its data dispute and freeze practices, ensuring any and all legally enforceable action is taken to remedy these unfair, abusive and deceptive practices that knowingly cause consumers to abandon their rights to view, inspect, dispute and freeze their data for which Equifax is responsible for managing. \n10 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information EQUIFAX What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Minnesota XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Race White Household size including total number of adults and children XXXX Combined annual household income {$75000.00} - {$99000.00} Sent to company Status Sent to company on XX/XX/XXXXXXXX  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 still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. \nCompany responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response We completed our review of your request to remove information from your Equifax credit file due to the information being the result of XXXX XXXX. Based on our review of your request and accompanying documents, the following additional information or documentation is necessary to complete your submission under section 605C of the Fair Credit Reporting Act and 12 C.F.R. 1022.142 : Victim determination documentation confirming that you were a victim of XXXX XXXX, such as determinations made by federal, state, tribal, or local governments, government agencies, or law enforcement ; determinations by non-governmental entities or task forces authorized by a governmental agency to make such a determination, a self-attestation signed or certified by such governmental agency or non-governmental entity ; or a determination by court in a case where a central issue is whether you are a victim of XXXX XXXX. Court documents can be made up of several documents from the court case that together show that the court accepted as true or found no genuine dispute that you were a victim of XXXX XXXX. So that we can complete processing of your request and block identified information, you need to contact us as quickly as possible to provide the above additional information. You may do this by mailing the information to us at XXXX XXXX XXXX XXXX GA XXXX or you may call us toll free at ( XXXX ) XXXX for more information or to learn about other ways to get this documentation to us promptly. If you contact us by mail, please include a copy of this letter or provide the confirmation number with your submission. We are required to resolve your request within 25 business days of when we receive it, but we need the above required documentation in order to do so. If we do not receive the necessary documentation specified above in time to meet that deadline, we will have to decline and close your request. If that happens, we will notify you, and you may, of course, resubmit your request with the necessary information and documentation. We look forward to hearing from you to complete your request or answer questions that you may have. Thank you for the opportunity to assist you. Equifax Information Services LLC Please do not reply to this email. Replies and documents routed to this message are routed to an unmonitored mailbox and will not be answered. For questions regarding your request to block adverse information as a result of XXXX XXXX, please call us toll free at ( XXXX ) XXXX. In the alternative, you may mail additional documents for your submission to XXXX XXXX XXXX XXXX GA XXXX. \nFeedback requested Status Feedback requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. \n\nSubmit your feedback Closed The CFPB has closed your complaint. \nPrivacy Act Statement OMB # XXXX Note on user experience Have a question? XXXX? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Monday through Friday ( except federal holidays ). \nMore than 180 languages available. \nXXXX XXXX XXXX official website of the United States Government Inactive modalInactive modalInactive modal","date_sent_to_company":"2024-12-05T19:54:37.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"559XX","tags":null,"has_narrative":true,"complaint_id":"11039138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-05T19:39:24.000Z","state":"MN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Other personal consumer report What type of <em>problem</em> are you having? \nInactive modal Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> issue Have you already tried to fix this <em>problem</em> with the company? \nYes Did you request information from the company? \nNo Type of Issue Difficulty submitting a dispute or getting information about a dispute over the phone What happened?"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> issue"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[5.3700814,"11039138"]},{"_index":"complaint-public-v1","_id":"8925538","_score":2.8033347,"_source":{"product":"Student loan","complaint_what_happened":"XXXX of students were scammed by Sallie Mae - Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX between XXXX XXXX XXXX. \nAs a matter of fact, XXXX  XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. \nBecause of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXXXXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXXXXXX from XX/XX/XXXX to XX/XX/XXXX. \nMy Federal loans in the amount of ( Your amount here ) were discharged and my credit repaired. \nI am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a \" preferred '' lending company in a \" deal '' with these schools during the early XXXX XXXX \nThese private loans with a high risk of default were part of a package deal offered to \" for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a \" specific '' time frame, were excluded. \nI am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. \nAfter the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? \nDidn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? \nFurthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? \nI am also aware of a \" pilot '' program by which Navient is sending out \" applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. \nThis application is a sham. \nWhy do we need to prove anything? \nNavient knows who we are. \nUnder the FTC \" Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. \nTime is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. \nSenator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! \n\nXXXX XXXX XXXX XXXX & XXXX XXXX XXXX The Navient Corporation XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX XXXX : We write to urge the Navient Corporation to cancel the decades-old, predatory student loans in its portfolio that are governed by the FTCs Holder Rule and subject to claims and defenses based on well-established school misconduct and predatory lending. From XXXX to XXXX, Navient, then known as Sallie Mae, in coordination with fraudulent for-profit schools, pushed predatory, subprime loans onto borrowers likely to default.1 These schools lied about their credit transferability, career prospects, and otherwise misled students while Navient profited off the government backing of the loans students took out to attend them.2 Because of Navients coordination in this process, your company should provide relief to borrowers immediately, before the impending servicing transfer of these and other student loans to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Navient Will Soon Transfer Millions of Student Loans to XXXX On XX/XX/XXXX, Navient announced it will outsource the servicing of XXXX XXXX student loans to XXXX in the coming months.3 But a large portion of these loans are eligible for cancellation. Navient is aware that borrowers have meritorious defenses to the enforcement and collection of these loans, and has set aside at least {$35.00} XXXX in anticipation of claims or defenses being brought against Navient for misconduct.4 But Navient makes it nearly impossible XXXX XXXX XXXX XXXX The {$1.00} XXXX Student Loan Deal That Was Too Good to Be True, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXXXXXX, Loans Designed to Fail : States Say Navient Preyed on Students, XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX, Navient Outsources Servicing Of XXXX XXXX Student Loans To Its Rival XXXX Your Loan Affected? XXXX XXXX and XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX ; Navient Corporation , Navient announces strategic actions following in-depth business review, press release, XX/XX/XXXX, XXXX XXXX XXXX. XXXX Seeking Alpha, Navient Corporation ( XXXX ) XXXX XXXX Earnings Call Transcript, XX/XX/XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX stated, in our private credit provision this quarter, we reserved {$35.00} XXXX due to internal policy changes we've made to meet new regulatory expectations related to school misconduct discharges on certain legacy private loans. This increase reflects our assessment of the impact to the legacy portfolios, life of loan discharges from potential borrower claims.for borrowers to exercise their rights, while holding these predatory loans over the heads of borrowers and, often, their family members.5 Although Navient recently created a purported pathway to relief, it is burdensome and confusing.6 Furthermore, the transfer, which is expected to take place over the next two years,7 will further confuse borrowers, and once in effect, XXXX  abysmal reputation for hours-long call wait times, paperwork backlogs, and innumerable abuses,8 will only make things more difficult for defrauded borrowers awaiting justice. Navient Conspired with Fraudulent For-Profit Colleges to Offer Risky and Expensive Loans to Hundreds of Thousands of Borrowers Decades-old predatory loans that were pushed onto students when Navient, as Sallie Mae, engaged in predatory loan practices with for-profit, fraudulent colleges make up a significant portion of the Navient student loan profile being transferred.9 Since the XXXX  revisions to the Higher Education Act, for-profit schools that receive federal funding must get at least 10 % of their funding from non-federal sources.10 To meet this requirement, Navient, as Sallie Mae, collaborated with for-profit schools beginning in the year XXXX to cover that gap by issuing private loans to students, in exchange for an assured, steady supply of borrowers for its government-backed loans.11 Navient itself described these loans as a baited hook for the risk-free, profitable federally-backed student loans.12 Since Navient required credit enhancements or recourse agreements from schools in order to make these private loans,13 borrowers ability to repay the loans was immaterial : lawsuits later revealed that one set of these predatory Sallie Mae private student loans had default rates ranging between 50 and 92 percent every year from XXXX to XXXX These predatory loans were designed to profit off of 5 Office of the Attorney General of New Jersey, Acting AG XXXX : XXXX XXXX  Student Loan Borrowers to Receive More than {$60.00} XXXX in Relief from Settlement with Navient Corp. in States Lawsuit Alleging Deceptive, Misleading Tactics by the Student Loan Servicer, XX/XX/XXXX, XXXX XXXX XXXX. Navient deceptively encouraged borrowers to have family members or others guarantee their loans as cosigners, which increased Navients chances of being repaid if the student defaulted. XXXX XXXX XXXX XXXX. XXXX XXXX, Navient Outsources Servicing Of XXXX XXXX Student Loans To Its Rival XXXX Your Loan Affected? XXXX XXXX and XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX Papers, XX/XX/XXXX, XXXX XXXX XXXXXXXX. XXXX, Navient distanced itself from a controversial student-loan portfolio. Meanwhile, borrowers cant escape, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX? =. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX, The {$1.00} XXXX Student Loan Deal That Was Too Good to Be True, XXXX XXXX, XX/XX/XXXX, https : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XX/XX/XXXX ), complaint. XXXX Id. XXXX XXXX XXXX XXXXXXXX, The {$1.00} XXXX Student Loan Deal That Was Too Good to Be True, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Loans Designed to Fail : States Say Navient Preyed on Students, XX/XX/XXXX, students, rather than provide them with a quality educationthe schools where they were used had low graduation rates, poor job-placement records, and otherwise misled students, all of which was known to Sallie Mae.15 The Biden Administration has made a sweeping effort to cancel decades-old predatory federal loans for defrauded borrowers. Much of this progress was made under the Education Departments Borrower Defense Loan Discharge ( borrower defense ), which provides debt relief to borrowers who were misled or defrauded by their school through misrepresentations about key aspects of their program, such as admissions selectivity or career prospects.16 This is a powerful tool : the XXXX XXXX XXXX XXXX calculates that, since XX/XX/XXXX, the Department of Education ( ED ) has announced loan cancellation for more than 1.1 million borrowers, promising to wipe out more than {$18.00} XXXX of fraudulent and predatory debt from for-profit schools.17 But many students with outstanding private loans from some of these very same colleges including those held by Navient have still not received relief.18 Navient Should Cancel Fraudulent Loans Eligible for Relief Under the FTCs Holder Rule and Due to Navients Misconduct Like millions of federal student loans eligible for cancellation under borrower defense, decadesold predatory private student loans may be eligible for cancellation due to Navients misconduct and under the Federal Trade Commissions ( FTC ) Holder-In-Due-Course Rule ( Holder Rule ), a broad rule dating to XXXX, and subsequently reaffirmed and updated numerous times by the Commission, allowing borrowers, in some cases, to raise the same claims and defenses against a loan provider that they could raise against the original seller of the good or service.19 The Holder Rule is a powerful consumer protection tool, providing relief for customers when a defective or fraudulent product or service is purchased with credit arranged by the seller, including situations where the seller referred the customer to the creditor, or is affiliated with the original creditor.20 With regard to student loans, the borrower may be able to cancel existing debt if a school fraudulently induced the student to enroll and had some relationship XXXX XXXX XXXXXXXX. XXXX Id. XXXX XXXX XXXX Biden Administration Announces {$72.00} XXXX In Student Loan Forgiveness, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX? XXXX ; XXXX XXXX XXXX XXXX , Delivering Distress : How Student Loan Companies Cheat Borrowers Out of Their Rights, XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX ; Federal Student Aid, Apply for Borrower Defense Loan Discharge, https : //studentaid.gov/borrower-defense/. 17 XXXX XXXX XXXX XXXX, Delivering Distress : How Student Loan Companies Cheat Borrowers Out of Their Rights, XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX, Navient distanced itself from a controversial student-loan portfolio. Meanwhile, borrowers cant escape, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX? =. XXXX Federal Trade Commission ( FTC ), Holder in Due Course Rule, 16 CFR 433, https : //www.ftc.gov/XXXX. XXXX Office of the Minnesota Attorney General, The Holder Rule, XXXX XXXX XXXX  with the lender.21 In simple terms, the Holder Rule provides an avenue to cancel student loans in many cases where Navient worked directly with fraudulent colleges to provide these loans. Navient has long known it could be liable for these predatory loans that it pushed onto students. Navient, as Sallie Mae, regularly listed the FTC Holder Rule as an operational risk for its private student loans made to students at for-profit schools. In its XXXX annual report, the company stated : If a school with which we have a business arrangement with respect to student loans closes or otherwise does not provide the borrower the promised education, the borrower could raise the same claims and defenses against us as the lender as it could against the school. As a result, our ability to collect loan amounts could be materially impaired.22 In a XX/XX/XXXX earnings call, XXXX XXXX XXXX Navients Executive Vice President and Chief Financial Officer, announced that Navient has reserved {$35.00} XXXX in anticipation of a liability to discharge certain legacy private XXXX As an independent basis, borrowers may also assert the predatory practices of Sallie Mae against Navient as a reason to cancel their loans. Sallie Mae intentionally created subprime lending programs with for-profit colleges for the purpose of facilitating ongoing access of both companies to the federal student lending program.24 Sallie Mae knew that students were not credit worthy, were unlikely to finish the programs at these for-profit schools, and were highly unlikely to repay their student loans.25 In fact, Sallie Mae insured itself against this certainty by requiring the for-profit schools to essentially guarantee the subprime private loans.26 Incredibly, even though Sallie Mae was made whole, and reaped enormous profits from its business relationships, it continues to hold borrowers and their cosigners hostage.27 This course of conduct could bar Navient from suing on these loans, and their continued collection is unfair. Navient has already cancelled the debt for some of these loans. In XXXX, 39 attorneys general reached a settlement with Navient, in which it agreed to cancel {$1.00} XXXX in private student loan debt for students defrauded by colleges like the defunct XXXX XXXX XXXX and XXXX XXXX and other major for-profit colleges including XXXX XXXX XXXX XXXX XXXX Id. XXXX XXXX XXXX Report, Sallie Mae ( SLM ), p. XXXX, XXXX XXXX XXXX XXXX XXXX Seeking Alpha, Navient Corporation ( XXXX ) XXXX XXXX Earnings Call Transcript, XX/XX/XXXX, https : XXXX. XXXX XXXX stated, in our private credit provision this quarter, we reserved {$35.00} XXXX due to internal policy changes we've made to meet new regulatory expectations related to school misconduct discharges on certain legacy private loans. This increase reflects our assessment of the impact to the legacy portfolios, life of loan discharges from potential borrower claims. XXXXXXXX XXXX XXXX XXXXXXXX, The {$1.00} XXXX Student Loan Deal That Was Too Good to Be True, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX. XXXX Id. XXXX. v. Navient XXXX, XXXX. XXXX ( XXXX. XXXX XX/XX/XXXX ), complaint.. XXXX Office of the Attorney General of New Jersey, XXXX XXXX XXXX XXXX New Jersey Student Loan Borrowers to Receive More than {$60.00} XXXX in Relief from Settlement with Navient Corp. in States Lawsuit Alleging Deceptive, Misleading Tactics by the Student Loan Servicer, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notably, Navients misconduct was a key basis for the lawsuit, with the attorneys general unfair and deceptive student loan servicing practices and abuses in originating predatory student loans.29 But the settlement only included borrowers who were in default for at least seven consecutive months before XX/XX/XXXX, meaning that Navient provided relief to only XXXX of XXXX XXXX XXXX XXXX of borrowers who had obtained predatory loans.30 Navient Has Denied Relief to XXXX XXXX XXXX  of Borrowers Although there are XXXX XXXX XXXX of loans clearly eligible for cancellation under the FTC Holder Rule and because of the misconduct of Navients predecessor, Navient makes it intimidating and difficult for borrowers to solicit relief.31 While ED established a process for group discharge for borrowers to automatically get relief on predatory federal loans without having to individually apply, Navient opened a school misconduct discharge application that is inordinately lengthy and complex for borrowers.32 The 12-page application, asks questions seemingly designed to knock out applications, such as when the wrongdoing was discovered, and requires borrowers to include individualized documentation such as correspondence from the school, marketing materials, advertisements, course catalogs, manuals, school web messaging, and other products all from loans that may be more than two decades old.33 The application threatens borrowers with perjury for providing incomplete information.34 It asks borrowers if the court has awarded a favorable judgment against their school, and if so, to attach the court order and other relevant documents to the application.35 It requires a narrative explanation of how [ the borrowers ] life has been impacted by the fraudulent loans and an explanation of why the misleading information that the school concealed or omitted from the borrower was important to them at the time of their application.36 These conditions are unnecessary and impractical and will prevent XXXX  of borrowers from obtaining the relief they deserve. Navient should stop making borrowers apply for relief and instead automatically cancel student debt using information the company already has about whether borrowers attended schools that would entitle them to relief. Navient should start by cancelling debt for students making payments on predatory loans that were not provided relief by the XXXX settlement. XXXX Navient Multi-State Settlement, XXXX State Attorneys General Announce {$1.00} XXXX Settlement with Student Loan Servicer Navient, XX/XX/XXXX, XXXX XXXX XXXX XXXX Id. XXXXXXXX XXXX XXXX XXXXXXXX, The {$1.00} XXXX Student Loan Deal That Was Too Good to Be True, XXXX XXXX, XX/XX/XXXX, https : XXXX. XXXX XXXX XXXX XXXX. XXXX Federal Student Aid, Apply for Group Borrower Defense Loan Discharge, https : //studentaid.gov/manageloans/forgiveness-cancellation/borrower-defense/group-application ; Navient School Misconduct Discharge Application, ( Appendix A ). XXXX Navient School Misconduct Discharge Application, ( Appendix A ). XXXX Id. XXXX Id. XXXX Id.Navient Must Cancel the Loans Prior to Transfer to XXXX It is especially important that Navient cancel these loans before transferring them to XXXX. The change of servicers will complicate the chain of custody of the loans, making it even more difficult for borrowers to receive relief than Navients actions already havein XXXX, the Consumer Financial Protection Bureau ( CFPB ) found that changes in loan ownership can result in lost payments, paperwork processing issues, missing records, and late fees.37 Furthermore, XXXX has repeatedly demonstrated that it is not capable of adequately servicing student loans. After the return to repayment started in XXXX, at least XXXX XXXX borrowers were affected by servicing failures, such as a backlog of unprocessed Public Service Loan Forgiveness forms, payment miscalculations, and late bills.38 And after XXXX XXXX XXXX of federal loan borrowers were granted borrower defense relief in XX/XX/XXXX, XXXX representatives continued to insist that they would have to return to repayment.39 Given XXXX failure to follow guidance on canceling predatory federal loans, it is hard to believe that it will behave any better in canceling similar private loans Navient will transfer to them. Navient must discharge subprime legacy private loans now before they are transferred to XXXX. Conclusion and Questions Navient has, for decades, aggressively collected payments on loans that it knows are eligible for cancellation.40 These predatory loans were given to students at subprime rates, while Navient coordinated with colleges that lied to borrowers about course credits, career prospects, and programs. Under the Holder Rule and due to Navient and Sallie Maes misconduct, Navient is liable for these predatory loans and should discharge them immediately. We ask that you answer the following questions no later than XX/XX/XXXX. XXXX. Of the XXXX XXXX loans Navient is transferring to XXXX, how many were granted to attend for-profit colleges? Specifically, how many fit into one of the following three categories, established in the AG settlement:41 a. Any private education loan with an outstanding balance originated under an Opportunity or Recourse program, and disbursed after XXXX ; XXXX XXXX XXXX, New Student Loan Problems : Prepare for Lost Payments, Surprise Late Fees as Contracts Change Hands, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX  The XXXX Papers, XX/XX/XXXX, XXXX XXXX XXXXXXXX. XXXX Letter from attorneys representing class members in XXXX XXXX XXXXXXXX to XXXX XXXX, Chief Executive Officer of XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX. XXXX, Navient distanced itself from a controversial student-loan portfolio. Meanwhile, borrowers cant escape, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Navient Corp., XXXX. XXXX ( XXXX. XXXX XX/XX/XXXX ), consent judgment., Appendix A, XXXX XXXX XXXXXXXX. b. Any private education loan with an outstanding balance disbursed by XXXX XXXX lenders, subsidiaries, predecessors, successors, and/or its affiliates after XXXX to a borrower attending a for-profit school, including XXXX owned or operated by, or under XXXX of the trade names : i. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Any non-traditional private education loan with an outstanding balance disbursed by SLM XXXX lenders, subsidiaries, predecessors, successors, and/or affiliates after XXXX XXXX. What is the total value of the private loans granted to attend for-profit colleges as described in question ( XXXX ) in Navients portfolio XXXX XXXX. How many borrowers has Navient alerted to its School Misconduct Discharge Application? On what basis did it select these borrowers? XXXX. How many borrowers have applied for relief using Navients School Misconduct Discharge Application? How many borrowers have been successful and received full cancellation of their loans from Navient? How many borrower applications have been denied? XXXX. During a Navient Corporation XXXX XXXX Earnings Call on XX/XX/XXXX, Navients Executive Vice President and Chief Financial Officer stated, in our private credit provision this quarter, we reserved {$35.00} XXXX due to internal policy changes we've made to meet new regulatory expectations related to school misconduct discharges on certain legacy private loans. This increase reflects our assessment of the impact to the legacy portfolios, life of loan discharges from potential borrower claims.43 How did Navient arrive at this {$35.00} XXXX figure? XXXX. Has Navient discussed with XXXX the implications of transferring loans that are subject to cancellation under the FTC Holder Rule or other bases related to school XXXX Non-traditional means a private education loan disbursed ( XXXX ) to a borrower with a XXXX score below XXXX at origination to attend a private for-profit educational institution ; or ( XXXX ) to a borrower with a XXXX score below XXXX at origination to attend a public or not-for-profit educational institution. XXXX Seeking Alpha, Navient Corporation ( NAVI ) XXXX XXXX Earnings Call Transcript, XX/XX/XXXX, XXXX XXXX XXXXXXXX and/or Navients lending practices per question ( XXXX )? If so, what are XXXX plans to assist in the cancellation of these loans as their new servicer and what plans are underway ( if any ) to ensure adequate data sharing to ensure borrower records are not lost? XXXX. What, if any, policies or procedures has Navient taken or does it plan to take before collecting on a subprime loan to determine that loans eligibility for cancellation under the FTC Holder Rule or other bases related to school misconduct and/or Navients lending practices per question ( XXXX )? Sincerely, XXXX XXXX United States XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX United States XXXX XXXX XXXX United States XXXX XXXX XXXX United States XXXX XXXX United States XXXX","date_sent_to_company":"2024-05-03T17:44:52.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"03103","tags":null,"has_narrative":true,"complaint_id":"8925538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-05-03T17:37:11.000Z","state":"NH","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["<em>XXXX</em> of students were scammed by Sallie Mae - Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, <em>XXXX</em> <em>XXXX</em> between <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. \nAs a matter of fact, <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> and their Parent company, <em>XXXX</em> were <em>investigated</em> by the attorneys general of several states and have been found to have acted in a fraudulent manner."],"sub_issue":["<em>Problem</em> with forgiveness, cancellation, or discharge"]},"sort":[2.8033347,"8925538"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":25,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":25}]}},"product":{"doc_count":25,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":14},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, 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