{"took":134,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":23535,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10748926","_score":10.78355,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. Incorrect Name : The name listed on this account is incorrect. Under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. As this is a material error, I request the immediate correction of the name associated with this account to reflect the correct details. Please update this entry accordingly.\n\n2. Multiple Charge-Off Entries : Additionally, I have noticed that the account has been reported as charged off multiple times, which is an error. Under FCRA 605 and FCRA 623, a charge-off can only be reported once. The repeated reporting of charge-offs on this account is misleading and inaccurate.\n\nAs per FCRA 605, charge-offs are a one-time event and should only be listed once. The repeated reporting of charge-offs violates the guidelines set forth by the FCRA, as it misrepresents the status of the account.\n\nI request that the multiple charge-off entries be corrected by ensuring that only one charge-off is reported for this account.\n\nRequest for Immediate Investigation : In accordance with 15 U.S. Code 1681i of the FCRA, I request a thorough investigation into both of these issues. Please provide proof from the creditor regarding the date and legitimacy of the charge-off ( s ) and ensure that the account is reported accurately, with the proper name and a single charge-off entry.\n\nIf the creditor can not substantiate the multiple charge-offs or correct the name, I request that the inaccurate entries be removed from my credit report. Please send me an updated copy of my credit report showing the corrections made as I requested XX/XX/year> Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute.","date_sent_to_company":"2024-11-10T18:59:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10748926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2024-11-10T18:53:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The repeated reporting of charge-offs violates the guidelines set forth by the FCRA, as it misrepresents the status of the <em>account</em>.\n\nI request that the <em>multiple</em> charge-off entries be corrected by <em>ensuring</em> that only one charge-off is reported for this <em>account</em>.\n\nRequest for Immediate <em>Investigation</em> : In accordance with 15 U.S. Code 1681i of the FCRA, I request a thorough <em>investigation</em> into both of these issues."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[10.78355,"10748926"]},{"_index":"complaint-public-v1","_id":"10748912","_score":10.77716,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. Incorrect Name : The name listed on this account is incorrect. Under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. As this is a material error, I request the immediate correction of the name associated with this account to reflect the correct details. Please update this entry accordingly.\n\n2. Multiple Charge-Off Entries : Additionally, I have noticed that the account has been reported as charged off multiple times, which is an error. Under FCRA 605 and FCRA 623, a charge-off can only be reported once. The repeated reporting of charge-offs on this account is misleading and inaccurate.\n\nAs per FCRA 605, charge-offs are a one-time event and should only be listed once. The repeated reporting of charge-offs violates the guidelines set forth by the FCRA, as it misrepresents the status of the account.\n\nI request that the multiple charge-off entries be corrected by ensuring that only one charge-off is reported for this account.\n\nRequest for Immediate Investigation : In accordance with 15 U.S. Code 1681i of the FCRA, I request a thorough investigation into both of these issues. Please provide proof from the creditor regarding the date and legitimacy of the charge-off ( s ) and ensure that the account is reported accurately, with the proper name and a single charge-off entry.\n\nIf the creditor can not substantiate the multiple charge-offs or correct the name, I request that the inaccurate entries be removed from my credit report. Please send me an updated copy of my credit report showing the corrections made as I requested XX/XX/year> Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute.","date_sent_to_company":"2024-11-10T18:59:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10748912","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2024-11-10T18:59:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The repeated reporting of charge-offs violates the guidelines set forth by the FCRA, as it misrepresents the status of the <em>account</em>.\n\nI request that the <em>multiple</em> charge-off entries be corrected by <em>ensuring</em> that only one charge-off is reported for this <em>account</em>.\n\nRequest for Immediate <em>Investigation</em> : In accordance with 15 U.S. Code 1681i of the FCRA, I request a thorough <em>investigation</em> into both of these issues."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[10.77716,"10748912"]},{"_index":"complaint-public-v1","_id":"12616462","_score":10.72475,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> I submitted another complaint regarding this companys multiple failures to investigate my dispute as required by law and continuing to report multiple inaccuracies regarding an alledged collection account listed under the name Absolute resolutions investments llc. \n\nThis account is reporting different information across all three of my credit reports, to include the alledged d amount owed, the date of first delinquency and the amount. If the information was correct and verified then it would be reporting the same accross ALL reports. \n\nOnce again the company FAILED to INVESTIGATE properly and completely as required by law as on XX/XX/year> they completed their investigation which in 5 days is clearly not enough time to complete a complete investigation to ensure all information is 100 % accurate as they are reporting.","date_sent_to_company":"2025-03-23T20:56:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"207XX","tags":null,"has_narrative":true,"complaint_id":"12616462","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-23T20:36:53.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/year> I submitted another complaint regarding this companys <em>multiple</em> failures to <em>investigate</em> my dispute as required by law and continuing to report <em>multiple</em> inaccuracies regarding an alledged collection <em>account</em> listed under the name Absolute resolutions investments llc. \n\nThis <em>account</em> is reporting different information across all three of my credit reports, to include the alledged d amount owed, the date of first delinquency and the amount."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.72475,"12616462"]},{"_index":"complaint-public-v1","_id":"6671663","_score":10.676312,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Consider this as a follow-up complaint to ensure the verification of this account : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} This account has not been validated despite the multiples request to do so. I am here to reinclude this account for another investigation for I believe it is reported erroneously.","date_sent_to_company":"2023-03-10T03:13:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76017","tags":null,"has_narrative":true,"complaint_id":"6671663","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-10T03:09:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Consider this as a follow-up complaint to <em>ensure</em> the verification of this <em>account</em> : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} This <em>account</em> has not been validated despite the <em>multiples</em> request to do so. I am here to reinclude this <em>account</em> for another <em>investigation</em> for I believe it is reported erroneously."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.676312,"6671663"]},{"_index":"complaint-public-v1","_id":"9363688","_score":10.631185,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive recently looked over a copy of my credit report and noticed multiple inaccuracies on my account. This account is hurting my ability to elevate in my credit journey. It is to my knowledge that you will investigate these things for me and ensure accuracy. This is said account name and number. \nXXXX XXXX XXXX XXXX","date_sent_to_company":"2024-06-27T15:08:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29201","tags":null,"has_narrative":true,"complaint_id":"9363688","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-27T15:08:54.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Ive recently looked over a copy of my credit report and noticed <em>multiple</em> inaccuracies on my <em>account</em>. This <em>account</em> is hurting my ability to elevate in my credit journey. It is to my knowledge that you will <em>investigate</em> these things for me and <em>ensure</em> accuracy. This is said <em>account</em> name and number. \nXXXX XXXX XXXX XXXX"]},"sort":[10.631185,"9363688"]},{"_index":"complaint-public-v1","_id":"9363815","_score":10.627248,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive recently looked over a copy of my credit report and noticed multiple inaccuracies on my account. This account is hurting my ability to elevate in my credit journey. It is to my knowledge that you will investigate these things for me and ensure accuracy. This is said account name and number. \nXXXX XXXX XXXX XXXX","date_sent_to_company":"2024-06-27T15:08:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29201","tags":null,"has_narrative":true,"complaint_id":"9363815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-27T14:36:18.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Ive recently looked over a copy of my credit report and noticed <em>multiple</em> inaccuracies on my <em>account</em>. This <em>account</em> is hurting my ability to elevate in my credit journey. It is to my knowledge that you will <em>investigate</em> these things for me and <em>ensure</em> accuracy. This is said <em>account</em> name and number. \nXXXX XXXX XXXX XXXX"]},"sort":[10.627248,"9363815"]},{"_index":"complaint-public-v1","_id":"9363687","_score":10.627248,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive recently looked over a copy of my credit report and noticed multiple inaccuracies on my account. This account is hurting my ability to elevate in my credit journey. It is to my knowledge that you will investigate these things for me and ensure accuracy. This is said account name and number. \nXXXX XXXX XXXX XXXX","date_sent_to_company":"2024-06-27T15:08:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29201","tags":null,"has_narrative":true,"complaint_id":"9363687","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-27T15:08:54.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Ive recently looked over a copy of my credit report and noticed <em>multiple</em> inaccuracies on my <em>account</em>. This <em>account</em> is hurting my ability to elevate in my credit journey. It is to my knowledge that you will <em>investigate</em> these things for me and <em>ensure</em> accuracy. This is said <em>account</em> name and number. \nXXXX XXXX XXXX XXXX"]},"sort":[10.627248,"9363687"]},{"_index":"complaint-public-v1","_id":"21768382","_score":10.512231,"_source":{"product":"Credit card","complaint_what_happened":"I am disputing Barclays Bank Delaware for failure to conduct a reasonable investigation into my credit dispute. \n\nI submitted multiple disputes regarding this account beginning around XX/XX/year>. Barclays provided inconsistent and contradictory responses throughout the process. \n\nBarclays initially stated the investigation was complete. They later stated the investigation was still ongoing, and then again claimed it was completed without providing any new documentation or verification. \n\nI specifically requested full validation of the account, including the signed agreement or application, complete payment history, account statements, and the method of verification used in their investigation. Barclays failed to provide this information. \n\nInstead, Barclays provided generic responses and statements that relied on personal identifying information rather than account-level documentation linking me to the alleged account. \n\nDespite multiple disputes, Barclays continues to report this account without providing sufficient verification. This demonstrates a failure to conduct a reasonable investigation and failure to ensure maximum possible accuracy as required under the Fair Credit Reporting Act.","date_sent_to_company":"2026-04-30T22:03:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"60612","tags":null,"has_narrative":true,"complaint_id":"21768382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-04-30T21:38:09.000Z","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":["Despite <em>multiple</em> disputes, Barclays continues to report this <em>account</em> without providing sufficient verification. This demonstrates a failure to conduct a reasonable <em>investigation</em> and failure to <em>ensure</em> maximum possible accuracy as required under the Fair Credit Reporting Act."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.512231,"21768382"]},{"_index":"complaint-public-v1","_id":"12355895","_score":10.509506,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Subject : Dispute of Inaccurate Information on Consumer Report FCRA Code : 15 USC 1681i I am writing to formally dispute multiple inaccuracies present in my consumer credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i. \n\nUpon thorough review of my credit report, I have identified several accounts that contain erroneous information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX [ Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX Capital XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] These discrepancies significantly misrepresent my credit history and may adversely affect my credit standing. In accordance with the FCRA, I respectfully request that you conduct a comprehensive investigation into these matters and ensure that all inaccurate accounts are permanently removed from my credit profile. \n\nI have compiled supporting documentation that substantiates my claims, which I will upload with this correspondence. This documentation includes screenshots of multiple inaccurate accounts reporting to all 3 credit bureaus. ( XXXX, XXXX, and XXXX ) I appreciate your prompt attention to this matter and look forward to receiving your confirmation of receipt of this dispute, as well as the results of your investigation. \n\nThank you for your cooperation.","date_sent_to_company":"2025-03-06T09:42:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93309","tags":null,"has_narrative":true,"complaint_id":"12355895","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RentDebt Automated Collections, LLC","date_received":"2025-03-06T09:42:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX and XXXX XXXX Please <em>investigate</em> this matter to <em>ensure</em> my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my <em>account</em> across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please <em>investigate</em> this matter to <em>ensure</em> my credit report is accurate. ] XXXX XXXX XXXX Capital XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistencies/ inaccuracies in my <em>account</em> across the three credit bureaus : XXXX"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[10.509506,"12355895"]},{"_index":"complaint-public-v1","_id":"12355894","_score":10.509506,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Subject : Dispute of Inaccurate Information on Consumer Report FCRA Code : 15 USC 1681i I am writing to formally dispute multiple inaccuracies present in my consumer credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i.\n\nUpon thorough review of my credit report, I have identified several accounts that contain erroneous information : Bridgecrest XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] These discrepancies significantly misrepresent my credit history and may adversely affect my credit standing. In accordance with the FCRA, I respectfully request that you conduct a comprehensive investigation into these matters and ensure that all inaccurate accounts are permanently removed from my credit profile. \n\nI have compiled supporting documentation that substantiates my claims, which I will upload with this correspondence. This documentation includes screenshots of multiple inaccurate accounts reporting to all XXXX credit bureaus. ( XXXX, XXXX, and XXXX ) I appreciate your prompt attention to this matter and look forward to receiving your confirmation of receipt of this dispute, as well as the results of your investigation. \n\nThank you for your cooperation.","date_sent_to_company":"2025-03-06T09:42:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93309","tags":null,"has_narrative":true,"complaint_id":"12355894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2025-03-06T09:42:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX Please <em>investigate</em> this matter to <em>ensure</em> my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my <em>account</em> across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please <em>investigate</em> this matter to <em>ensure</em> my credit report is accurate. ] XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my <em>account</em> across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[10.509506,"12355894"]},{"_index":"complaint-public-v1","_id":"12353336","_score":10.509506,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Subject : Dispute of Inaccurate Information on Consumer Report FCRA Code : 15 USC 1681i I am writing to formally dispute multiple inaccuracies present in my consumer credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i.\n\nUpon thorough review of my credit report, I have identified several accounts that contain erroneous information : XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] These discrepancies significantly misrepresent my credit history and may adversely affect my credit standing. In accordance with the FCRA, I respectfully request that you conduct a comprehensive investigation into these matters and ensure that all inaccurate accounts are permanently removed from my credit profile. \n\nI have compiled supporting documentation that substantiates my claims, which I will upload with this correspondence. This documentation includes screenshots of multiple inaccurate accounts reporting to all XXXX credit bureaus. ( XXXX, XXXX, and XXXX ) I appreciate your prompt attention to this matter and look forward to receiving your confirmation of receipt of this dispute, as well as the results of your investigation. \n\nThank you for your cooperation.","date_sent_to_company":"2025-03-06T09:42:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93309","tags":null,"has_narrative":true,"complaint_id":"12353336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LJ Ross Associates","date_received":"2025-03-06T08:52:38.000Z","state":"CA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>investigate</em> this matter to <em>ensure</em> my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my <em>account</em> across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please <em>investigate</em> this matter to <em>ensure</em> my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my <em>account</em> across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please <em>investigate</em>"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[10.509506,"12353336"]},{"_index":"complaint-public-v1","_id":"13788392","_score":10.463086,"_source":{"product":"Debt collection","complaint_what_happened":"I see that this account has been a charged-off status and yet is a past due balance on my XXXX  report, do you know it is a violation I urge your agency to re-investigate this account and ensure that is correct, fair, and complete report is given.I don't believe the status of this account is accurate.. delete due to multiple violations","date_sent_to_company":"2025-06-11T16:53:32.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"159XX","tags":null,"has_narrative":true,"complaint_id":"13788392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Alorica Inc.","date_received":"2025-05-29T16:07:32.000Z","state":"PA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I see that this <em>account</em> has been a charged-off status and yet is a past due balance on my XXXX  report, do you know it is a violation I urge your agency to re-<em>investigate</em> this <em>account</em> and <em>ensure</em> that is correct, fair, and complete report is given.I don't believe the status of this <em>account</em> is accurate.. delete due to <em>multiple</em> violations"]},"sort":[10.463086,"13788392"]},{"_index":"complaint-public-v1","_id":"11810924","_score":10.450354,"_source":{"product":"Debt collection","complaint_what_happened":"I see that this account has charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-investigate this account and ensure that correct, fair and complete reporting is given. I don't belleve the status of this account is accurate either. \nDelete it due to multiple violations.","date_sent_to_company":"2025-01-28T17:41:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"11810924","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2025-01-28T17:37:50.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I see that this <em>account</em> has charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-<em>investigate</em> this <em>account</em> and <em>ensure</em> that correct, fair and complete reporting is given. I don't belleve the status of this <em>account</em> is accurate either. \nDelete it due to <em>multiple</em> violations."]},"sort":[10.450354,"11810924"]},{"_index":"complaint-public-v1","_id":"12282561","_score":10.443881,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX, Equifax, and XXXX for failing to conduct a proper investigation regarding multiple credit card accounts that do not belong to me. Despite disputing these accounts under my rights in the Fair Credit Reporting Act ( FCRA ) 1681i, the credit bureaus continue to claim they have been properly verified, yet no real investigation appears to have been conducted.\n\nI have repeatedly provided evidence that these accounts are fraudulent or inaccurately reported, yet they remain on my credit report, negatively impacting my financial standing. I request that the CFPB step in to ensure a full and fair investigation is conducted and that these inaccurate accounts are removed from my report. \n\nPlease let me know what steps can be taken to hold these agencies accountable and ensure compliance with federal law. Thank you for your time and assistance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-02T20:25:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11210","tags":null,"has_narrative":true,"complaint_id":"12282561","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-02T20:24:48.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a formal complaint against XXXX, Equifax, and XXXX for failing to conduct a proper <em>investigation</em> regarding <em>multiple</em> credit card <em>accounts</em> that do not belong to me. Despite disputing these <em>accounts</em> under my rights in the Fair Credit Reporting Act ( FCRA ) 1681i, the credit bureaus continue to claim they have been properly verified, yet no real <em>investigation</em> appears to have been conducted."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.443881,"12282561"]},{"_index":"complaint-public-v1","_id":"12282529","_score":10.443881,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX, Equifax, and XXXX for failing to conduct a proper investigation regarding multiple credit card accounts that do not belong to me. Despite disputing these accounts under my rights in the Fair Credit Reporting Act ( FCRA ) 1681i, the credit bureaus continue to claim they have been properly verified, yet no real investigation appears to have been conducted.\n\nI have repeatedly provided evidence that these accounts are fraudulent or inaccurately reported, yet they remain on my credit report, negatively impacting my financial standing. I request that the CFPB step in to ensure a full and fair investigation is conducted and that these inaccurate accounts are removed from my report. \n\nPlease let me know what steps can be taken to hold these agencies accountable and ensure compliance with federal law. Thank you for your time and assistance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-02T20:25:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11210","tags":null,"has_narrative":true,"complaint_id":"12282529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-02T20:24:48.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a formal complaint against XXXX, Equifax, and XXXX for failing to conduct a proper <em>investigation</em> regarding <em>multiple</em> credit card <em>accounts</em> that do not belong to me. Despite disputing these <em>accounts</em> under my rights in the Fair Credit Reporting Act ( FCRA ) 1681i, the credit bureaus continue to claim they have been properly verified, yet no real <em>investigation</em> appears to have been conducted."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.443881,"12282529"]},{"_index":"complaint-public-v1","_id":"12282697","_score":10.427585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX, Equifax, and XXXX for failing to conduct a proper investigation regarding multiple credit card accounts that do not belong to me. Despite disputing these accounts under my rights in the Fair Credit Reporting Act ( FCRA ) 1681i, the credit bureaus continue to claim they have been properly verified, yet no real investigation appears to have been conducted.\n\nI have repeatedly provided evidence that these accounts are fraudulent or inaccurately reported, yet they remain on my credit report, negatively impacting my financial standing. I request that the CFPB step in to ensure a full and fair investigation is conducted and that these inaccurate accounts are removed from my report. \n\nPlease let me know what steps can be taken to hold these agencies accountable and ensure compliance with federal law. Thank you for your time and assistance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-02T20:25:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11210","tags":null,"has_narrative":true,"complaint_id":"12282697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-02T20:11:28.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a formal complaint against XXXX, Equifax, and XXXX for failing to conduct a proper <em>investigation</em> regarding <em>multiple</em> credit card <em>accounts</em> that do not belong to me. Despite disputing these <em>accounts</em> under my rights in the Fair Credit Reporting Act ( FCRA ) 1681i, the credit bureaus continue to claim they have been properly verified, yet no real <em>investigation</em> appears to have been conducted."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.427585,"12282697"]},{"_index":"complaint-public-v1","_id":"13346530","_score":10.409762,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax has reported multiple derogatory accounts including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX that are inaccurate and have not been properly investigated after my disputes. These tradelines remain on my credit report with conflicting data, including charge-offs with {$0.00} balances and closed statuses, which violate Metro 2 standards. Despite multiple notices, Equifax failed to take corrective action or ensure the data was verified. These reporting failures have caused significant credit score damage, multiple denials for credit and housing, and ongoing emotional distress in my life in Massachusetts.","date_sent_to_company":"2025-05-05T20:11:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02128","tags":null,"has_narrative":true,"complaint_id":"13346530","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-05T20:07:32.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Equifax has reported <em>multiple</em> derogatory <em>accounts</em> including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX that are inaccurate and have not been properly <em>investigated</em> after my disputes. These tradelines remain on my credit report with conflicting data, including charge-offs with {$0.00} balances and closed statuses, which violate Metro 2 standards. Despite <em>multiple</em> notices, Equifax failed to take corrective action or <em>ensure</em> the data was verified."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[10.409762,"13346530"]},{"_index":"complaint-public-v1","_id":"6813278","_score":10.397777,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am filing a complaint against TransUnion for not properly investigating items on my credit report that I have disputed. Despite contacting the court listed on a bankruptcy record, who confirmed they do not report to credit bureaus, TransUnion has not removed the inaccurate information. I have also disputed multiple accounts as fraudulent ( not mine ) and an account with an incorrect pay status, yet these items remain on my credit report. TransUnion has failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to ensure the accuracy and completeness of the information on my credit report. I request that the CFPB intervene to ensure that TransUnion properly investigates and rectifies these inaccuracies.","date_sent_to_company":"2023-04-08T19:58:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79938","tags":null,"has_narrative":true,"complaint_id":"6813278","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-08T19:52:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing a complaint against TransUnion for not properly <em>investigating</em> items on my credit report that I have disputed. Despite contacting the court listed on a bankruptcy record, who confirmed they do not report to credit bureaus, TransUnion has not removed the inaccurate information. I have also disputed <em>multiple</em> <em>accounts</em> as fraudulent ( not mine ) and an <em>account</em> with an incorrect pay status, yet these items remain on my credit report."]},"sort":[10.397777,"6813278"]},{"_index":"complaint-public-v1","_id":"4118094","_score":10.396226,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Wells Fargo XXXX XXXX  did not respond or finish my accounts investigation on time as of XX/XX/2020, this company received my dispute yet has failed to mail me any response first of all this alleged account XXXX is not reporting to XXXX XXXX Reporting standards and violates the fair credit reporting act by failing to complete an investigation in a timely manner and failing to ensure maximum possible accuracy before furnishing this account The XXXX Credit Bureaus also report this account with Multiple errors and incomplete data","date_sent_to_company":"2021-02-04T08:38:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76548","tags":null,"has_narrative":true,"complaint_id":"4118094","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-02-04T07:59:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Wells Fargo XXXX XXXX  did not respond or finish my <em>accounts</em> <em>investigation</em> on time as of XX/XX/2020, this company received my dispute yet has failed to mail me any response first of all this alleged <em>account</em> XXXX is not reporting to XXXX XXXX Reporting standards and violates the fair credit reporting act by failing to complete an <em>investigation</em> in a timely manner and failing to <em>ensure</em> maximum possible accuracy before furnishing this <em>account</em> The XXXX Credit Bureaus also report this <em>account</em> with <em>Multiple</em>"],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[10.396226,"4118094"]},{"_index":"complaint-public-v1","_id":"15419027","_score":10.377367,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have disputed the accuracy and completeness of accounts on my credit report with TransUnion on multiple occasions, and I even filed a CFPB complaint previously to ensure a fair investigation. Yet XXXX results continue to reflect errors, showing either that TransUnion failed to conduct a proper investigation or that the furnishers of data provided false information. \nUnder the Fair Credit Reporting Act, TransUnion has a legal duty to ensure that information it reports is accurate and complete, regardless of what a furnisher provides. I previously notified TransUnion of the disputed inaccuracies, but the investigation results I received still contain serious errors. \nThe XXXX accounts at issue are : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Despite repeated disputes, these accounts remain reported with inaccuracies and incomplete information. The attached dispute letter I sent directly to TransUnion, along with XXXX own investigation results, are attached to this CFPB complaint for reference.","date_sent_to_company":"2025-08-20T04:03:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30084","tags":null,"has_narrative":true,"complaint_id":"15419027","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-20T03:49:14.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have disputed the accuracy and completeness of <em>accounts</em> on my credit report with TransUnion on <em>multiple</em> occasions, and I even filed a CFPB complaint previously to <em>ensure</em> a fair <em>investigation</em>. Yet XXXX results continue to reflect errors, showing either that TransUnion failed to conduct a proper <em>investigation</em> or that the furnishers of data provided false information."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.377367,"15419027"]},{"_index":"complaint-public-v1","_id":"4118092","_score":10.375979,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX did not respond or finish my accounts investigation on time as of XX/XX/2020, this company received my dispute yet has failed to mail me any response first of all this alleged account XXXX is not reporting to XXXX XXXX Reporting standards and violates the fair credit reporting act by failing to complete an investigation in a timely manner and failing to ensure maximum possible accuracy before furnishing this account The XXXX Credit Bureaus also report this account with Multiple errors and incomplete data","date_sent_to_company":"2021-02-04T08:38:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76548","tags":null,"has_narrative":true,"complaint_id":"4118092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-04T08:38:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX did not respond or finish my <em>accounts</em> <em>investigation</em> on time as of XX/XX/2020, this company received my dispute yet has failed to mail me any response first of all this alleged <em>account</em> XXXX is not reporting to XXXX XXXX Reporting standards and violates the fair credit reporting act by failing to complete an <em>investigation</em> in a timely manner and failing to <em>ensure</em> maximum possible accuracy before furnishing this <em>account</em> The XXXX Credit Bureaus also report this <em>account</em> with <em>Multiple</em>"],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[10.375979,"4118092"]},{"_index":"complaint-public-v1","_id":"9241081","_score":10.35097,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"recently i found several inaccuracies on my recent consumer reports on the account by the name of XXXX XXXX XXXX account # XXXX this account is hurting my ability to obtain credit. all the bureaus need to investigate this account for me because I found multiple inaccuracies. XXXX, Equifax, XXXX please ensure accuracy 100 % accurate with all information verified as accurate.","date_sent_to_company":"2024-06-13T00:55:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91325","tags":null,"has_narrative":true,"complaint_id":"9241081","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-13T00:55:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["recently i found several inaccuracies on my recent consumer reports on the <em>account</em> by the name of XXXX XXXX XXXX <em>account</em> # XXXX this <em>account</em> is hurting my ability to obtain credit. all the bureaus need to <em>investigate</em> this <em>account</em> for me because I found <em>multiple</em> inaccuracies. XXXX, Equifax, XXXX please <em>ensure</em> accuracy 100 % accurate with all information verified as accurate."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.35097,"9241081"]},{"_index":"complaint-public-v1","_id":"15094199","_score":10.336487,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I found multiple inconsistencies in my credit reports across all three bureaus involving accounts with incorrect dates, status conflicts, and unverifiable charge-offs. Despite being closed or paid, they are still reported as derogatory. I submitted disputes with no resolution or documentation. Please investigate and ensure accuracy under the FCRA and Metro 2.","date_sent_to_company":"2025-08-05T19:38:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"02740","tags":null,"has_narrative":true,"complaint_id":"15094199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-05T19:38:21.000Z","state":"MA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I found <em>multiple</em> inconsistencies in my credit reports across all three bureaus involving <em>accounts</em> with incorrect dates, status conflicts, and unverifiable charge-offs. Despite being closed or paid, they are still reported as derogatory. I submitted disputes with no resolution or documentation. Please <em>investigate</em> and <em>ensure</em> accuracy under the FCRA and Metro 2."]},"sort":[10.336487,"15094199"]},{"_index":"complaint-public-v1","_id":"9241082","_score":10.329699,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"recently i found several inaccuracies on my recent consumer reports on the account by the name of XXXX XXXX XXXX account # XXXX this account is hurting my ability to obtain credit. all the bureaus need to investigate this account for me because I found multiple inaccuracies. XXXX, XXXX, Transunion please ensure accuracy 100 % accurate with all information verified as accurate.","date_sent_to_company":"2024-06-13T00:55:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91325","tags":null,"has_narrative":true,"complaint_id":"9241082","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-13T00:55:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["recently i found several inaccuracies on my recent consumer reports on the <em>account</em> by the name of XXXX XXXX XXXX <em>account</em> # XXXX this <em>account</em> is hurting my ability to obtain credit. all the bureaus need to <em>investigate</em> this <em>account</em> for me because I found <em>multiple</em> inaccuracies. XXXX, XXXX, Transunion please <em>ensure</em> accuracy 100 % accurate with all information verified as accurate."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.329699,"9241082"]},{"_index":"complaint-public-v1","_id":"14969662","_score":10.325742,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Recently, I reviewed my credit report and discovered multiple inaccuracies that are negatively affecting my ability to obtain credit. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting a formal investigation into these accounts to ensure that all information reported about me is accurate and verifiable. \nBelow are the accounts I am requesting to be verified :","date_sent_to_company":"2025-07-30T21:42:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28214","tags":null,"has_narrative":true,"complaint_id":"14969662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-30T21:41:59.000Z","state":"NC","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":["Recently, I reviewed my credit report and discovered <em>multiple</em> inaccuracies that are negatively affecting my ability to obtain credit. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting a formal <em>investigation</em> into these <em>accounts</em> to <em>ensure</em> that all information reported about me is accurate and verifiable. \nBelow are the <em>accounts</em> I am requesting to be verified :"]},"sort":[10.325742,"14969662"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":23535,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":23535}]}},"product":{"doc_count":23535,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":18311,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":18239},{"key":"Other personal consumer report","doc_count":72}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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