{"took":98,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2512,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8082844","_score":18.551567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Equifax, one of the major credit reporting agencies, for their failure to comply with their own policies, inadequate investigation, and lack of transparency in the processing of my credit report dispute. This complaint is based on the following issues : Equifax has not adhered to its own dispute processing policies, as outlined in its public guidelines. Despite my submission of comprehensive documentation and supporting evidence to rectify inaccuracies on my credit report, Equifax has failed to conduct a proper investigation and resolve the dispute in a timely manner. It appears that Equifax 's actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws and regulations. The FCRA mandates that credit reporting agencies conduct reasonable investigations into consumer disputes. Equifax 's failure to do so raises concerns about their compliance with legal requirements. Equifax has not provided me with adequate information regarding the process and outcome of my dispute. Despite multiple requests, they have failed to furnish evidence or a detailed explanation of how they processed my dispute. This lack of transparency hinders my ability to understand the resolution process and assess the accuracy of my credit report. \nIn light of Equifax 's failure to conduct a proper investigation and provide transparency, I request that the inaccurate information identified in my credit report be promptly deleted. This action is crucial to ensure the fair and accurate reporting of my credit history.","date_sent_to_company":"2023-12-30T20:21:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"8082844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-30T20:13:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This <em>lack</em> of <em>transparency</em> hinders my ability to understand the resolution process and assess the accuracy of my credit report. \nIn light of Equifax 's failure to conduct a proper <em>investigation</em> and provide <em>transparency</em>, I request that the inaccurate information identified in my credit report be promptly deleted. This action is crucial to ensure the <em>fair</em> and accurate reporting of my credit history."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.551567,"8082844"]},{"_index":"complaint-public-v1","_id":"10884764","_score":17.78793,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to file a complaint against Bitstamp XXXX for unjustly freezing my account. Despite providing all requested documents and cooperating fully with their inquiries, my account remains locked without a valid explanation or resolution. This has caused significant financial inconvenience and a lack of access to my funds. \n\nBitstamps actions appear to lack transparency and fairness, violating the trust expected from a regulated financial institution. I request your assistance in investigating this matter and ensuring that Bitstamp adheres to regulatory standards and resolves this issue promptly. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX","date_sent_to_company":"2024-11-21T21:50:29.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10884764","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Bitstamp USA, Inc.","date_received":"2024-11-21T21:39:05.000Z","state":null,"company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This has caused significant financial inconvenience and a <em>lack</em> of access to my funds. \n\nBitstamps actions appear to <em>lack</em> <em>transparency</em> and <em>fairness</em>, <em>violating</em> the trust expected from a regulated financial institution. I request your assistance in <em>investigating</em> this matter and ensuring that Bitstamp adheres to regulatory standards and resolves this issue promptly. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX"]},"sort":[17.78793,"10884764"]},{"_index":"complaint-public-v1","_id":"8066156","_score":17.104557,"_source":{"product":"Debt collection","complaint_what_happened":"I find it incomprehensible that your bureau has allowed this investigation to languish without any meaningful progress. It is evident that the fraudulent accounts continue to stain my credit report, causing irreparable harm to my financial standing, and yet there is a distinct lack of transparency about the reasons behind the delay. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The Fair Credit Reporting Act ( FCRA ) allows for an extension of the investigation timeline, but the lack of any response from the creditor and your bureau 's failure to provide valid reasons for the delay is nothing short of infuriating. \nXXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. \nI have received no indication from the creditor that they have responded to the investigation, despite your bureau 's claim that they have. It is imperative that you provide me with a copy of the response letter from the creditor, including the date it was allegedly sent. The lack of transparency and communication in this matter is not only infuriating but also a violation of my rights as a consumer seeking resolution.","date_sent_to_company":"2023-12-27T07:51:46.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"95662","tags":null,"has_narrative":true,"complaint_id":"8066156","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-27T07:45:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I have received no indication from the creditor that they have responded to the <em>investigation</em>, despite your bureau 's claim that they have. It is imperative that you provide me with a copy of the response letter from the creditor, including the date it was allegedly sent. The <em>lack</em> of <em>transparency</em> and communication in this matter is not only infuriating but also a <em>violation</em> of my rights as a consumer seeking resolution."]},"sort":[17.104557,"8066156"]},{"_index":"complaint-public-v1","_id":"12138391","_score":16.951859,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Equifax Failure to Conduct a Proper Investigation and Provide Verification of Disputes To Whom It May Concern, I am filing a formal complaint against Equifax Information Services LLC for their repeated failure to properly investigate and resolve disputes regarding inaccurate information on my credit report. Their handling of my case has been delayed, non-transparent, and in violation of the Fair Credit Reporting Act ( FCRA ), despite my compliance with their documentation requests. \n\nBackground : XX/XX/2025 : I submitted my first round of disputes to Equifax. \nDue to XXXX failure to conduct a proper investigation, I had to escalate my case to the Consumer Financial Protection Bureau ( CFPB ) to compel Equifax to take action. \nXX/XX/2025 : I submitted a second round of disputes after continued delays and inadequate responses from Equifax. \nTo this day, Equifax has not provided a detailed explanation of their investigation methods or how they verified disputed items. \n\nMy Complaints Against Equifax : 1. Failure to Conduct a Proper Investigation I have provided all required documentation multiple times, yet Equifax has failed to correct inaccurate information or provide any meaningful verification details. \n2. Lack of Transparency I demand that Equifax send a detailed written response to my mailing address, explaining : How they investigated each disputed item What evidence they reviewed The specific entities they contacted for verification 3. Repeated and Unnecessary Documentation Requests Equifax continues to reject valid documents without clear justification. Other agencies have accepted the same documents and processed my disputes, but Equifax is delaying my case without reason. \n4. FCRA Violation & Consumer Rights Violation The Fair Credit Reporting Act ( FCRA ) requires Equifax to conduct a fair and timely investigation. Their continued delays, lack of transparency, and failure to properly verify disputed accounts indicate clear non-compliance.","date_sent_to_company":"2025-02-25T23:00:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46112","tags":"Servicemember","has_narrative":true,"complaint_id":"12138391","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-19T16:41:03.000Z","state":"IN","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["FCRA <em>Violation</em> & Consumer Rights <em>Violation</em> The <em>Fair</em> Credit Reporting Act ( FCRA ) requires Equifax to conduct a <em>fair</em> and timely <em>investigation</em>. Their continued delays, <em>lack</em> of <em>transparency</em>, and failure to properly verify disputed accounts indicate clear non-compliance."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.951859,"12138391"]},{"_index":"complaint-public-v1","_id":"12138190","_score":16.951859,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Equifax Failure to Conduct a Proper Investigation and Provide Verification of Disputes To Whom It May Concern, I am filing a formal complaint against Equifax Information Services LLC for their repeated failure to properly investigate and resolve disputes regarding inaccurate information on my credit report. Their handling of my case has been delayed, non-transparent, and in violation of the Fair Credit Reporting Act ( FCRA ), despite my compliance with their documentation requests. \n\nBackground : XX/XX/2025 : I submitted my first round of disputes to Equifax. \nDue to XXXX failure to conduct a proper investigation, I had to escalate my case to the Consumer Financial Protection Bureau ( CFPB ) to compel Equifax to take action. \nXX/XX/2025 : I submitted a second round of disputes after continued delays and inadequate responses from Equifax. \nTo this day, Equifax has not provided a detailed explanation of their investigation methods or how they verified disputed items. \n\nMy Complaints Against Equifax : 1. Failure to Conduct a Proper Investigation I have provided all required documentation multiple times, yet Equifax has failed to correct inaccurate information or provide any meaningful verification details. \n2. Lack of Transparency I demand that Equifax send a detailed written response to my mailing address, explaining : How they investigated each disputed item What evidence they reviewed The specific entities they contacted for verification 3. Repeated and Unnecessary Documentation Requests Equifax continues to reject valid documents without clear justification. Other agencies have accepted the same documents and processed my disputes, but Equifax is delaying my case without reason. \n4. FCRA Violation & Consumer Rights Violation The Fair Credit Reporting Act ( FCRA ) requires Equifax to conduct a fair and timely investigation. Their continued delays, lack of transparency, and failure to properly verify disputed accounts indicate clear non-compliance.","date_sent_to_company":"2025-02-25T23:00:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46112","tags":"Servicemember","has_narrative":true,"complaint_id":"12138190","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-19T16:17:44.000Z","state":"IN","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["FCRA <em>Violation</em> & Consumer Rights <em>Violation</em> The <em>Fair</em> Credit Reporting Act ( FCRA ) requires Equifax to conduct a <em>fair</em> and timely <em>investigation</em>. Their continued delays, <em>lack</em> of <em>transparency</em>, and failure to properly verify disputed accounts indicate clear non-compliance."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.951859,"12138190"]},{"_index":"complaint-public-v1","_id":"12138414","_score":16.947683,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Equifax Failure to Conduct a Proper Investigation and Provide Verification of Disputes To Whom It May Concern, I am filing a formal complaint against Equifax Information Services LLC for their repeated failure to properly investigate and resolve disputes regarding inaccurate information on my credit report. Their handling of my case has been delayed, non-transparent, and in violation of the Fair Credit Reporting Act ( FCRA ), despite my compliance with their documentation requests. \n\nBackground : XX/XX/2025 : I submitted my first round of disputes to Equifax. \nDue to XXXX failure to conduct a proper investigation, I had to escalate my case to the Consumer Financial Protection Bureau ( CFPB ) to compel Equifax to take action. \nXX/XX/2025 : I submitted a second round of disputes after continued delays and inadequate responses from Equifax. \nTo this day, Equifax has not provided a detailed explanation of their investigation methods or how they verified disputed items. \n\nMy Complaints Against Equifax : 1. Failure to Conduct a Proper Investigation I have provided all required documentation multiple times, yet Equifax has failed to correct inaccurate information or provide any meaningful verification details. \n2. Lack of Transparency I demand that Equifax send a detailed written response to my mailing address, explaining : How they investigated each disputed item What evidence they reviewed The specific entities they contacted for verification 3. Repeated and Unnecessary Documentation Requests Equifax continues to reject valid documents without clear justification. Other agencies have accepted the same documents and processed my disputes, but Equifax is delaying my case without reason. \n4. FCRA Violation & Consumer Rights Violation The Fair Credit Reporting Act ( FCRA ) requires Equifax to conduct a fair and timely investigation. Their continued delays, lack of transparency, and failure to properly verify disputed accounts indicate clear non-compliance.","date_sent_to_company":"2025-02-25T23:14:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46112","tags":"Servicemember","has_narrative":true,"complaint_id":"12138414","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-19T16:41:03.000Z","state":"IN","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["FCRA <em>Violation</em> & Consumer Rights <em>Violation</em> The <em>Fair</em> Credit Reporting Act ( FCRA ) requires Equifax to conduct a <em>fair</em> and timely <em>investigation</em>. Their continued delays, <em>lack</em> of <em>transparency</em>, and failure to properly verify disputed accounts indicate clear non-compliance."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.947683,"12138414"]},{"_index":"complaint-public-v1","_id":"9247129","_score":16.6834,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to file a formal complaint against Xe.com XXXX regarding their handling of my business account application. \n\nTimeline : Date of Application with Required Documentation Submission : XX/XX/year> Date of Submission Confirmation : XX/XX/year> Date of My Follow-Up : XX/XX/year> Date of Rejection Notice : XX/XX/year> Details of Issue : Despite submitting all required documentation and following the application process, my business account application was rejected without any explanation. Xe.com policies confirm that application approvals for new accounts typically take one day or longer. However, my application sat unprocessed for two full weeks. I followed up on XX/XX/year>, and immediately after inquiring about my application, I received a generic rejection email. \n\nXX/XX/year> Email Title : Unable to Assist Thank you for being so interested in Xe. Please note that we have reviewed your application and have made the decision to not pursue it further. We apologize for any inconvenience this decision may have caused.\n\nI immediately followed up via email, requesting information for the rejection and asked to understand why I was not given the opportunity to cure any deficiencies. My follow-up request for clarification received no response. \n\nPotential Regulatory Violations : 1 ) Unfair Business Practices : Xe.com 's failure to provide a reason for the rejection of my application and their lack of response to my inquiries constitutes unfair business practices. The arbitrary rejection without explanation undermines trust and transparency.\n\n2 ) Discrimination and Gatekeeping : As a XXXX XXXX, I am concerned that my application may have been unfairly rejected based on XXXX  practices. Any form of gatekeeping or XXXX  in the account approval process is a serious legal violation. \n\n3 ) Lack of Transparency and Accountability : Transparency is crucial in financial services. Xe.com 's lack of clear communication and failure to provide a reason for the rejection of my application raises concerns about their accountability. This failure to communicate violates consumer protection standards.\n\n4 ) Consumer Protection Violations : Consumer protection laws are designed to prevent unfair and deceptive business practices. Xe.com 's actions, including the lack of transparency and potential discriminatory practices, violate these laws.\n\nImpact on Business : The arbitrary rejection and lack of communication from Xe.com have significantly impacted my business operations and planning. This includes delays in setting up essential international payment processes crucial for my business activities.\n\nRequest for Action : I request an investigation into this matter and a resolution that includes a detailed explanation for the rejection of my application. Furthermore, I request an explanation as to why I was not allowed to cure any deficiencies in my application.\n\nLastly, I seek assurance that Xe.com will adhere to regulatory standards for transparency, non-discrimination, and fair business practices in their dealings with potential, existing, and previous customers.","date_sent_to_company":"2024-06-13T15:41:13.000Z","issue":"Other service problem","sub_product":"International money transfer","zip_code":"33617","tags":"Servicemember","has_narrative":true,"complaint_id":"9247129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ria Envia, LLC","date_received":"2024-06-13T15:08:45.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Any form of gatekeeping or XXXX  in the account approval process is a serious legal <em>violation</em>. \n\n3 ) <em>Lack</em> of <em>Transparency</em> and Accountability : <em>Transparency</em> is crucial in financial services. Xe.com 's <em>lack</em> of clear communication and failure to provide a reason for the rejection of my application raises concerns about their accountability."]},"sort":[16.6834,"9247129"]},{"_index":"complaint-public-v1","_id":"10693158","_score":16.660723,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my credit disputes. Equifax has taken longer than the legally required 30 days to complete investigations, violating FCRA guidelines. \n\nKey Issues : Delayed Investigation : Equifax has exceeded the 30-day limit to complete its investigation of my disputes. \n\nContradictory Responses : Equifax previously verified disputed accounts but now claims it can not locate my credit file with the same information provided. This inconsistency and lack of transparency suggest stalling tactics and failure to properly handle my dispute. \n\nFailure to Provide Documentation : Despite multiple requests, Equifax has not provided any documentation to support its verifications, undermining my right to a fair investigation.","date_sent_to_company":"2024-11-05T18:10:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11729","tags":null,"has_narrative":true,"complaint_id":"10693158","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-05T17:57:16.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["This inconsistency and <em>lack</em> of <em>transparency</em> suggest stalling tactics and failure to properly handle my dispute. \n\nFailure to Provide Documentation : Despite multiple requests, Equifax has not provided any documentation to support its verifications, undermining my right to a <em>fair</em> <em>investigation</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.660723,"10693158"]},{"_index":"complaint-public-v1","_id":"12539446","_score":16.515554,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to complain about the inadequate handling of a credit report dispute by XXXX and the lack of transparent debt information from Midland Credit Management Inc. ( MCM ), potentially violating the Fair Credit Reporting Act ( FCRA )., FDCPA, and the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ) I had a credit card account with XXXX  XXXX with a credit limit of {$400.00}. The account was closed, and the debt was subsequently transferred to Midland Credit Management Inc. ( MCM ). My credit report now inaccurately reflects a debt of {$800.00} for this account, which is more than double ( 100 % + ) the original credit limit. This sudden and substantial increase in the debt raises serious concerns about potential violations of consumer protection laws. \nOn XX/XX/2025 I exercised my rights under the Fair Credit Reporting Act ( FCRA ) and filed a dispute with XXXX regarding this patently inaccurate debt amount. My dispute specifically questioned the lack of justification for the significant increase in the balance beyond the initial {$400.00} credit limit. \nIn response to my dispute, MCM provided a report to XXXX. This report mentioned a nominal {$41.00} fee but failed to provide a comprehensive and verifiable explanation for the remaining substantial increase in the debt. This lack of transparency in the debt collection process by MCM may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive and unfair debt collection practices, including misrepresenting the amount of the debt. \nXXXX subsequently closed my dispute on XX/XX/2025 stating that the information was \" verified. '' However, this verification appears to have been conducted without a reasonable reinvestigation, as mandated by Section 611 of the FCRA. XXXX did not provide me with any evidence or documentation substantiating the {$800.00} balance, nor did they adequately address the fundamental discrepancy between the credit limit and the reported debt. This suggests a failure by XXXX to fulfill their obligation to ensure the accuracy of credit report information and to conduct a thorough reinvestigation of disputed items, potentially violating the FCRA. \nFurthermore, the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ) includes provisions regarding fees and charges associated with credit card accounts. The dramatic and unexplained increase in my debt with XXXX XXXX, far exceeding the credit limit, suggests a potential lack of transparency and fairness in the application of fees and interest, which may be inconsistent with the spirit and intent of the CARD Act, even though the account is now closed and in collections. \nMy request for a clear and justifiable explanation for the inflated debt, made through the FCRA dispute process with XXXX, was not adequately addressed. The lack of transparency from MCM in explaining the debt and the inadequate investigation by XXXX constitute potential violations of the FCRA and raise concerns regarding compliance with the FDCPA and the principles of the CARD Act. My objective is the removal of this inaccurate debt from my credit report to ensure compliance with these consumer protection laws and to rectify the negative impact on my credit standing. \nWith regards, XXXX.","date_sent_to_company":"2025-03-18T16:25:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11235","tags":null,"has_narrative":true,"complaint_id":"12539446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-03-18T16:24:55.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The <em>lack</em> of <em>transparency</em> from MCM in explaining the debt and the inadequate <em>investigation</em> by XXXX constitute potential <em>violations</em> of the FCRA and raise concerns regarding compliance with the FDCPA and the principles of the CARD Act. My objective is the removal of this inaccurate debt from my credit report to ensure compliance with these consumer protection laws and to rectify the negative impact on my credit standing. \nWith regards, XXXX."]},"sort":[16.515554,"12539446"]},{"_index":"complaint-public-v1","_id":"11720239","_score":16.500235,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute an item on my credit report in the amount of {$940.00} that is allegedly being reported by LVNV Funding LLC. This dispute is being raised due to a lack of sufficient information and a failure to comply with the required consumer protection laws during the previous attempts I have made to dispute this account. \n\nTo date, I have disputed this item multiple times without receiving a legitimate investigation or resolution, which I believe is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have not received any details about the alleged debt, including but not limited to : The name of the original creditor Account number Any supporting documentation of the debt Any proper investigation outcomes Further, when I contacted their customer care team, no account information or details were provided, and no legitimate response was given to resolve this matter. The lack of transparency and proper investigation violates my rights to a fair and accurate representation of my credit history. \nI am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. \n\nThank you for your prompt attention to this matter. I look forward to your timely and accurate resolution.","date_sent_to_company":"2025-01-23T04:22:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23666","tags":"Servicemember","has_narrative":true,"complaint_id":"11720239","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-01-23T04:04:31.000Z","state":"VA","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["The <em>lack</em> of <em>transparency</em> and proper <em>investigation</em> <em>violates</em> my rights to a <em>fair</em> and accurate representation of my credit history. \nI am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. \n\nThank you for your prompt attention to this matter. I look forward to your timely and accurate resolution."]},"sort":[16.500235,"11720239"]},{"_index":"complaint-public-v1","_id":"11501586","_score":16.463161,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally request an investigation into XXXX XXXX for potential violations of regulations governing financial institutions, including possible violations of XXXX rules, in connection with the handling of my brokerage account. Their repeated delays, lack of transparency, and failure to release my funds have caused significant financial and emotional distress, and I believe their actions warrant immediate scrutiny. \n\nI opened an account with XXXX XXXX on XX/XX/year>, and shortly thereafter, my account was subjected to restrictions. Despite adhering to all instructions provided by XXXX XXXX, including a visit to their branch office to provide my identification and verify my account, they have continued to impose restrictions and deny access to my funds. \n\nOn XX/XX/year>, I visited XXXX XXXX XXXX XXXX, PA office and presented all requested identification documents. Their staff confirmed that my identity had been successfully verified. However, even after fulfilling these requirements, XXXX XXXX has continued to find reasons to delay the release of my funds and the reactivation of my account. \n\nTheir representatives have failed to provide a clear explanation for these restrictions or a timeline for resolution. This lack of transparency and prolonged delay raises significant concerns about their compliance with applicable financial regulations and fair treatment of customers. \n\nI respectfully request that the CFPB investigate XXXX XXXX  practices to ensure they are in compliance with all regulatory requirements and consumer protection laws. Their actions have not only caused undue hardship but also highlight systemic issues that may affect other customers. \n\nThank you for your time and attention to this matter. I am available to provide any additional documentation or details to support your investigation.","date_sent_to_company":"2025-01-24T17:26:29.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"194XX","tags":null,"has_narrative":true,"complaint_id":"11501586","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-13T20:40:33.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I am writing to formally request an <em>investigation</em> into XXXX XXXX for potential <em>violations</em> of regulations governing financial institutions, including possible <em>violations</em> of XXXX rules, in connection with the handling of my brokerage account. Their repeated delays, <em>lack</em> of <em>transparency</em>, and failure to release my funds have caused significant financial and emotional distress, and I believe their actions warrant immediate scrutiny."]},"sort":[16.463161,"11501586"]},{"_index":"complaint-public-v1","_id":"11447785","_score":16.330893,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint regarding [ Transunion ] 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ] Complaint # XXXX, I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit, proof of address, and government-issued ID. However, Transunion failed to block the disputed items within the four business days required by 605B and instead \" verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedents, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA. I've attached their response to my request including their lack of transparency violating 611 's mandate for a reasonable reinvestigation and transparency.","date_sent_to_company":"2025-01-09T18:18:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"030XX","tags":null,"has_narrative":true,"complaint_id":"11447785","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-09T17:57:35.000Z","state":"NH","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've attached their response to my request including their <em>lack</em> of <em>transparency</em> <em>violating</em> 611 's mandate for a reasonable reinvestigation and <em>transparency</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.330893,"11447785"]},{"_index":"complaint-public-v1","_id":"11826051","_score":16.270363,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, XXXX neither removed nor corrected the account information. \n\nXXXX failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. \n\nI urge the CFPB to investigate XXXX ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.","date_sent_to_company":"2025-01-29T20:51:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"79764","tags":null,"has_narrative":true,"complaint_id":"11826051","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TrueAccord Corp.","date_received":"2025-01-29T20:51:07.000Z","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":["This <em>lack</em> of <em>transparency</em> and accountability has directly impacted my creditworthiness and financial opportunities. \n\nI urge the CFPB to <em>investigate</em> XXXX ongoing <em>violations</em> and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a <em>fair</em> process when disputes arise."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.270363,"11826051"]},{"_index":"complaint-public-v1","_id":"8066143","_score":16.24292,"_source":{"product":"Debt collection","complaint_what_happened":"I find it incomprehensible that your bureau has allowed this investigation to languish without any meaningful progress. It is evident that the fraudulent accounts continue to stain my credit report, causing irreparable harm to my financial standing, and yet there is a distinct lack of transparency about the reasons behind the delay. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The Fair Credit Reporting Act ( FCRA ) allows for an extension of the investigation timeline, but the lack of any response from the creditor and your bureau 's failure to provide valid reasons for the delay is nothing short of infuriating. \nXXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. \nXXXX XXXX XXXX FRAUD, PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. \nI have received no indication from the creditor that they have responded to the investigation, despite your bureau 's claim that they have. It is imperative that you provide me with a copy of the response letter from the creditor, including the date it was allegedly sent. The lack of transparency and communication in this matter is not only infuriating but also a violation of my rights as a consumer seeking resolution.","date_sent_to_company":"2023-12-27T07:51:50.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"95662","tags":null,"has_narrative":true,"complaint_id":"8066143","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-27T07:45:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I have received no indication from the creditor that they have responded to the <em>investigation</em>, despite your bureau 's claim that they have. It is imperative that you provide me with a copy of the response letter from the creditor, including the date it was allegedly sent. The <em>lack</em> of <em>transparency</em> and communication in this matter is not only infuriating but also a <em>violation</em> of my rights as a consumer seeking resolution."]},"sort":[16.24292,"8066143"]},{"_index":"complaint-public-v1","_id":"11826926","_score":16.231945,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, Transunion neither removed nor corrected the account information. \n\nTransunion failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. \n\nI urge the CFPB to investigate Transunion ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.","date_sent_to_company":"2025-01-29T20:50:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"79764","tags":null,"has_narrative":true,"complaint_id":"11826926","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-29T20:34:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This <em>lack</em> of <em>transparency</em> and accountability has directly impacted my creditworthiness and financial opportunities. \n\nI urge the CFPB to <em>investigate</em> Transunion ongoing <em>violations</em> and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a <em>fair</em> process when disputes arise."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.231945,"11826926"]},{"_index":"complaint-public-v1","_id":"11391086","_score":16.153938,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian failure to conduct a proper investigation into disputed information on my consumer report remains true. Despite providing documentation to support my claim of identity theft and inaccuracies, Experian has repeatedly dismissed my disputes without meaningful investigation. Their reasoning, often citing that I \" should have known about these accounts, '' demonstrates a clear lack of due diligence and appears to be a stall tactic rather than a legitimate investigation. \n\nThis ongoing failure by Experian has caused significant financial stress and violates their obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency, Experian is legally required to ensure that the information they report is accurate, relevant, and free of errors. They are also obligated to conduct thorough and fair investigations into disputed accounts. Their inability to comply with these regulations is not only harmful to consumers like myself but also constitutes an abuse of their role within the financial system. \n\nI urge the CFPB to hold Experian accountable for their non-compliance and lack of transparency. As a consumer, I rely on the integrity of credit reporting agencies to provide accurate information and to resolve disputes in a manner consistent with federal laws. I request that the CFPB take appropriate action to ensure Experian fulfills its legal obligations and remedies the errors on my credit report.","date_sent_to_company":"2025-01-05T21:18:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85379","tags":null,"has_narrative":true,"complaint_id":"11391086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-05T21:12:26.000Z","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":["This ongoing failure by Experian has caused significant financial stress and <em>violates</em> their obligations under the <em>Fair</em> Credit Reporting Act ( FCRA ). As a consumer reporting agency, Experian is legally required to ensure that the information they report is accurate, relevant, and free of errors. They are also obligated to conduct thorough and <em>fair</em> <em>investigations</em> into disputed accounts."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.153938,"11391086"]},{"_index":"complaint-public-v1","_id":"12543095","_score":16.02138,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to complain about the inadequate handling of a credit report dispute by TransUnion and the lack of transparent debt information from XXXX XXXX XXXX XXXX XXXX XXXX  ), potentially violating the Fair Credit Reporting Act ( FCRA )., FDCPA, and the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ) I had a credit card account with XXXX XXXXXXXX with a credit limit of {$400.00}. The account was closed, and the debt was subsequently transferred to XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ). My credit report now inaccurately reflects a debt of {$800.00} for this account, which is more than double ( 100 % + ) the original credit limit. This sudden and substantial increase in the debt raises serious concerns about potential violations of consumer protection laws. \nOn XXXX I exercised my rights under the Fair Credit Reporting Act ( FCRA ) and filed a dispute with TransUnion regarding this patently inaccurate debt amount. My dispute specifically questioned the lack of justification for the significant increase in the balance beyond the initial {$400.00} credit limit. \nIn response to my dispute, XXXX provided a report to TransUnion. This report mentioned a nominal {$41.00} fee but failed to provide a comprehensive and verifiable explanation for the remaining substantial increase in the debt. This lack of transparency in the debt collection process by XXXX may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive and unfair debt collection practices, including misrepresenting the amount of the debt. \nTransUnion subsequently closed my dispute on XXXX stating that the information was \" verified. '' However, this verification appears to have been conducted without a reasonable reinvestigation, as mandated by Section 611 of the FCRA. TransUnion did not provide me with any evidence or documentation substantiating the {$800.00} balance, nor did they adequately address the fundamental discrepancy between the credit limit and the reported debt. This suggests a failure by TransUnion to fulfill their obligation to ensure the accuracy of credit report information and to conduct a thorough reinvestigation of disputed items, potentially violating the FCRA. \nFurthermore, the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( CARD Act ) includes provisions regarding fees and charges associated with credit card accounts. The dramatic and unexplained increase in my debt with XXXX XXXX, far exceeding the credit limit, suggests a potential lack of transparency and fairness in the application of fees and interest, which may be inconsistent with the spirit and intent of the CARD Act, even though the account is now closed and in collections. \nMy request for a clear and justifiable explanation for the inflated debt, made through the FCRA dispute process with TransUnion, was not adequately addressed. The lack of transparency from MCM in explaining the debt and the inadequate investigation by TransUnion constitute potential violations of the FCRA and raise concerns regarding compliance with the FDCPA and the principles of the CARD Act. My objective is the removal of this inaccurate debt from my credit report to ensure compliance with these consumer protection laws and to rectify the negative impact on my credit standing. \nWith regards, XXXX.","date_sent_to_company":"2025-03-18T16:25:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11235","tags":null,"has_narrative":true,"complaint_id":"12543095","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-18T14:48:44.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The <em>lack</em> of <em>transparency</em> from MCM in explaining the debt and the inadequate <em>investigation</em> by TransUnion constitute potential <em>violations</em> of the FCRA and raise concerns regarding compliance with the FDCPA and the principles of the CARD Act. My objective is the removal of this inaccurate debt from my credit report to ensure compliance with these consumer protection laws and to rectify the negative impact on my credit standing. \nWith regards, XXXX."]},"sort":[16.02138,"12543095"]},{"_index":"complaint-public-v1","_id":"10005034","_score":15.879657,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am sharing my experience to emphasize the importance of accurate credit reporting and the serious consequences that can occur when errors are not corrected. I am formally disputing significant errors on my credit report related to an account with XXXX XXXX XXXX XXXX. These errors include discrepancies in the reported creditors name, missing balance and payment information, inconsistencies in reporting dates, and a lack of transparency regarding account ownership. These inaccuracies have negatively impacted my credit score and overall financial standing, raising serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ). \nKey Issues : XXXX. Discrepancy in Creditor Name : The creditors name is inaccurately listed as XXXX XXXX XXXX XXXX, which may not match the correct legal name. Additionally, the creditor/furnisher identifies itself as XXXX XXXX on billing statements, conflicting with its charter name. This misrepresentation raises concerns about whether the entity is correctly identified, potentially leading to significant inaccuracies on my credit report. \nXXXX. Missing Balance and Monthly Payment Information : My credit report reflects a balance of {$25000.00} as of XX/XX/year>, but it lacks detailed information about the payments leading to this balance. The absence of this information may constitute a billing error under the XXXX and violates the requirement to provide accurate and complete information to CRAs under the FCRA. \nXXXX. Incomplete Terms Duration : The Terms Duration is listed as XXXX, but it is unclear what this duration represents. This incomplete reporting complicates my understanding of the accounts terms and violates the FCRAs requirement for accurate reporting. \nXXXX. Potential Inaccuracies in High-Balance Reporting : The high balance is reported as {$24000.00}, which does not align with the current balance and charge-off amount of {$25000.00}. There is no explanation provided for this discrepancy, which is essential for accurate reporting. \nXXXX. Inconsistent Reporting Dates : The account is reported as Charge off, but the dates, including the date opened and date last reported, show inconsistencies. These discrepancies suggest potential errors in reporting, violating the FCRA. \nXXXX. Lack of Transparency Regarding Account Ownership : The account status indicates Charge off, but there is no clear information on whether the debt was transferred to another lender or remains with the original creditor. Evidence suggests that XXXX XXXX XXXX XXXX may have sold the account to a debt collection agency in XX/XX/year>. This lack of transparency violates the FCRAs requirement to provide full identifying information of any entity that has furnished consumer data. \nDespite initiating the dispute more than 30 days ago, the CRAs have not resolved these issues. Under the FCRA, CRAs are required to conduct a timely and thorough reinvestigation of disputed information. The delay in addressing these errors is unacceptable and may constitute a violation of the law. \nI am requesting a thorough investigation under both the FCRA and the XXXX. If the creditor can not verify the accuracy of the reported information, I demand that all incorrect entries be permanently removed from my credit report. CRAs must act promptly to investigate and correct any inaccuracies or unverifiable information. \nDistribution List : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This summary is intended to assist the CFPB and other consumers in understanding the issues I have raised and to promote accountability and transparency in credit reporting practices.","date_sent_to_company":"2024-09-03T16:45:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"10005034","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-03T16:44:18.000Z","state":"VA","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":["These errors include discrepancies in the reported creditors name, missing balance and payment information, inconsistencies in reporting dates, and a <em>lack</em> of <em>transparency</em> regarding account ownership. These inaccuracies have negatively impacted my credit score and overall financial standing, raising serious concerns about compliance with the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> Credit Billing Act ( XXXX ). \nKey Issues : XXXX."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.879657,"10005034"]},{"_index":"complaint-public-v1","_id":"10003787","_score":15.879657,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am sharing my experience to emphasize the importance of accurate credit reporting and the serious consequences that can occur when errors are not corrected. I am formally disputing significant errors on my credit report related to an account with XXXX XXXX XXXX XXXX. These errors include discrepancies in the reported creditors name, missing balance and payment information, inconsistencies in reporting dates, and a lack of transparency regarding account ownership. These inaccuracies have negatively impacted my XXXX XXXX and overall financial standing, raising serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ). \nKey Issues : XXXX. Discrepancy in Creditor Name : The creditors name is inaccurately listed as XXXX XXXX XXXX XXXX, which XXXX not match the correct legal name. Additionally, the creditor/furnisher identifies itself as XXXX XXXX on billing statements, conflicting with its charter name. This misrepresentation raises concerns about whether the entity is correctly identified, potentially leading to significant inaccuracies on my credit report. \nXXXX. XXXX XXXX and XXXX XXXX XXXX : My credit report reflects a balance of {$25000.00} as of XX/XX/year>, but it lacks detailed information about the payments leading to this balance. The absence of this information may constitute a billing error under the XXXX and violates the requirement to provide accurate and complete information to CRAs under the FCRA. \nXXXX. Incomplete Terms Duration : The Terms Duration is listed as XXXX, but it is unclear what this duration represents. This incomplete reporting complicates my understanding of the accounts terms and violates the FCRAs requirement for accurate reporting. \nXXXX. Potential Inaccuracies in XXXX XXXX : The high balance is reported as {$24000.00}, which does not align with the current balance and charge-off amount of {$25000.00}. There is no explanation provided for this discrepancy, which is essential for accurate reporting. \nXXXX. Inconsistent Reporting Dates : The account is reported as XXXX off, but the dates, including the date opened and date last reported, show inconsistencies. These discrepancies suggest potential errors in reporting, violating the FCRA. \nXXXX. Lack of Transparency Regarding Account Ownership : The account status indicates XXXX off, but there is no clear information on whether the debt was transferred to another lender or remains with the original creditor. Evidence suggests that XXXX XXXX XXXX XXXX XXXX have sold the account to a debt collection agency in XX/XX/year>. This lack of transparency violates the FCRAs requirement to provide full identifying information of any entity that has furnished consumer data. \nDespite initiating the dispute more than XXXX  days ago, the CRAs have not resolved these issues. Under the FCRA, CRAs are required to conduct a timely and thorough reinvestigation of disputed information. The delay in addressing these errors is unacceptable and may constitute a violation of the law. \nI am requesting a thorough investigation under both the FCRA and the XXXX. If the creditor can not verify the accuracy of the reported information, I demand that all incorrect entries be permanently removed from my credit report. CRAs must act promptly to investigate and correct any inaccuracies or unverifiable information. \nDistribution List : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This summary is intended to assist the CFPB and other consumers in understanding the issues I have raised and to promote accountability and transparency in credit reporting practices.","date_sent_to_company":"2024-09-03T16:56:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"10003787","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-03T16:56:04.000Z","state":"VA","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":["These errors include discrepancies in the reported creditors name, missing balance and payment information, inconsistencies in reporting dates, and a <em>lack</em> of <em>transparency</em> regarding account ownership. These inaccuracies have negatively impacted my XXXX XXXX and overall financial standing, raising serious concerns about compliance with the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> Credit Billing Act ( XXXX ). \nKey Issues : XXXX."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.879657,"10003787"]},{"_index":"complaint-public-v1","_id":"10003589","_score":15.879657,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am sharing my experience to emphasize the importance of accurate credit reporting and the serious consequences that can occur when errors are not corrected. I am formally disputing significant errors on my credit report related to an account with XXXX XXXX XXXX XXXX. These errors include discrepancies in the reported creditors name, missing balance and payment information, inconsistencies in reporting dates, and a lack of transparency regarding account ownership. These inaccuracies have negatively impacted my credit score and overall financial standing, raising serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). \nKey Issues : 1. Discrepancy in Creditor Name : The creditors name is inaccurately listed as XXXX XXXX XXXX XXXX, which may not match the correct legal name. Additionally, the creditor/furnisher identifies itself as XXXX XXXX on billing statements, conflicting with its charter name. This misrepresentation raises concerns about whether the entity is correctly identified, potentially leading to significant inaccuracies on my credit report. \n2. Missing Balance and Monthly Payment Information : My credit report reflects a balance of {$25000.00} as of XX/XX/year>, but it lacks detailed information about the payments leading to this balance. The absence of this information may constitute a billing error under the FCBA and violates the requirement to provide accurate and complete information to CRAs under the FCRA. \n3. Incomplete Terms Duration : The Terms Duration is listed as 60, but it is unclear what this duration represents. This incomplete reporting complicates my understanding of the accounts terms and violates the FCRAs requirement for accurate reporting.\n\n4. Potential Inaccuracies in High-Balance Reporting : The high balance is reported as {$24000.00}, which does not align with the current balance and charge-off amount of {$25000.00}. There is no explanation provided for this discrepancy, which is essential for accurate reporting. \n5. Inconsistent Reporting Dates : The account is reported as Charge off, but the dates, including the date opened and date last reported, show inconsistencies. These discrepancies suggest potential errors in reporting, violating the FCRA.\n\n6. Lack of Transparency Regarding Account Ownership : The account status indicates Charge off, but there is no clear information on whether the debt was transferred to another lender or remains with the original creditor. Evidence suggests that XXXX XXXX XXXX XXXX may have sold the account to a debt collection agency in XX/XX/year>. This lack of transparency violates the FCRAs requirement to provide full identifying information of any entity that has furnished consumer data. \nDespite initiating the dispute more than 30 days ago, the CRAs have not resolved these issues. Under the FCRA, CRAs are required to conduct a timely and thorough reinvestigation of disputed information. The delay in addressing these errors is unacceptable and may constitute a violation of the law.\n\nI am requesting a thorough investigation under both the FCRA and the FCBA. If the creditor can not verify the accuracy of the reported information, I demand that all incorrect entries be permanently removed from my credit report. CRAs must act promptly to investigate and correct any inaccuracies or unverifiable information. \nDistribution List : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX ( XXXX ) State of Indiana Attorney Generals Office Attorney General of Virginia Office XXXX XXXX XXXX XXXX This summary is intended to assist the CFPB and other consumers in understanding the issues I have raised and to promote accountability and transparency in credit reporting practices.","date_sent_to_company":"2024-09-03T16:28:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"10003589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2024-09-03T16:28:44.000Z","state":"VA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["These errors include discrepancies in the reported creditors name, missing balance and payment information, inconsistencies in reporting dates, and a <em>lack</em> of <em>transparency</em> regarding account ownership. These inaccuracies have negatively impacted my credit score and overall financial standing, raising serious concerns about compliance with the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> Credit Billing Act ( FCBA ). \nKey Issues : 1."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.879657,"10003589"]},{"_index":"complaint-public-v1","_id":"13997004","_score":15.87536,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, XXXX unauthorized Cash App transactions totaling {$4900.00} were debited from my USAA checking account. I reported the transactions immediately, the same day, explaining that I had been scammed. USAA issued provisional credits while investigating, then reversed those credits on XX/XX/XXXX, claiming the transactions were authorized and that no fraud had occurred. \n\nI dispute this conclusion in the strongest possible terms. These transactions were part of a scam, and I was in a mentally vulnerable state at the time. I am a disabled veteran with documented neurological and psychological impairments, and I clearly informed USAA of this. Their investigation failed to consider this context and lacked transparency. \n\nToday, on XX/XX/year>, a representative from XXXX XXXX XXXX contacted me directly. They reiterated that the bank considers me liable for the transactions and declared that the matter is now closed. No new evidence was offered. No further consideration was given to my medical circumstances, the timing of my report, or my vulnerability. \n\n\n\nLegal and Regulatory Violations : 12 CFR 1005.6 ( Reg E ) I reported the unauthorized activity within XXXX business days. Under Reg E, I should be liable for no more than {$50.00}. \n12 CFR 1005.11 USAAs investigation lacked transparency and fairness, violating the requirements for prompt, thorough, and reasonable dispute handling.\n\nEqual Credit Opportunity Act ( ECOA ) By ignoring my disclosed medical vulnerabilities, USAA may be in violation of their obligations under ECOA and general fiduciary duty.\n\nAmericans with Disabilities Act ( ADA ) implications There may be a broader pattern of USAA not accommodating the cognitive impairments or mental disabilities of customers. \n\n\n\nRequested Relief : Immediate reopening of the case and a fair, medically-informed reassessment Reinstatement of the {$4900.00} in losses due to scam Review of XXXX dispute handling practices regarding vulnerable consumers Referral to enforcement staff for possible regulatory violations I am also submitting this case to the Office of the Comptroller of the Currency, the office of Congresswoman XXXX XXXX XXXX and my legal counsel. I request CFPBs urgent assistance in securing justice in this matter.","date_sent_to_company":"2025-06-10T17:25:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"79904","tags":"Servicemember","has_narrative":true,"complaint_id":"13997004","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-06-10T17:01:02.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Legal and Regulatory <em>Violations</em> : 12 CFR 1005.6 ( Reg E ) I reported the unauthorized activity within XXXX business days. Under Reg E, I should be liable for no more than {$50.00}. \n12 CFR 1005.11 USAAs <em>investigation</em> <em>lacked</em> <em>transparency</em> and <em>fairness</em>, <em>violating</em> the requirements for prompt, thorough, and reasonable dispute handling."]},"sort":[15.87536,"13997004"]},{"_index":"complaint-public-v1","_id":"10005035","_score":15.865297,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am sharing my experience to emphasize the importance of accurate credit reporting and the serious consequences that can occur when errors are not corrected. I am formally disputing significant errors on my credit report related to an account with XXXX XXXX XXXX XXXX. These errors include discrepancies in the reported creditors name, missing balance and payment information, inconsistencies in reporting dates, and a lack of transparency regarding account ownership. These inaccuracies have negatively impacted my credit score and overall financial standing, raising serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).\n\nKey Issues : 1. Discrepancy in Creditor Name : The creditors name is inaccurately listed as XXXX XXXX XXXX XXXX, which may not match the correct legal name. Additionally, the creditor/furnisher identifies itself as XXXX XXXX on billing statements, conflicting with its charter name. This misrepresentation raises concerns about whether the entity is correctly identified, potentially leading to significant inaccuracies on my credit report. \n2. Missing Balance and Monthly Payment Information : My credit report reflects a balance of {$25000.00} as of XX/XX/year>, but it lacks detailed information about the payments leading to this balance. The absence of this information may constitute a billing error under the FCBA and violates the requirement to provide accurate and complete information to CRAs under the FCRA.\n\n3. Incomplete Terms Duration : The Terms Duration is listed as 60, but it is unclear what this duration represents. This incomplete reporting complicates my understanding of the accounts terms and violates the FCRAs requirement for accurate reporting.\n\n4. Potential Inaccuracies in High-Balance Reporting : The high balance is reported as {$24000.00}, which does not align with the current balance and charge-off amount of {$25000.00}. There is no explanation provided for this discrepancy, which is essential for accurate reporting. \n5. Inconsistent Reporting Dates : The account is reported as Charge off, but the dates, including the date opened and date last reported, show inconsistencies. These discrepancies suggest potential errors in reporting, violating the FCRA.\n\n6. Lack of Transparency Regarding Account Ownership : The account status indicates Charge off, but there is no clear information on whether the debt was transferred to another lender or remains with the original creditor. Evidence suggests that XXXX XXXX XXXX XXXX may have sold the account to a debt collection agency in XX/XX/year>. This lack of transparency violates the FCRAs requirement to provide full identifying information of any entity that has furnished consumer data. \nDespite initiating the dispute more than 30 days ago, the CRAs have not resolved these issues. Under the FCRA, CRAs are required to conduct a timely and thorough reinvestigation of disputed information. The delay in addressing these errors is unacceptable and may constitute a violation of the law.\n\nI am requesting a thorough investigation under both the FCRA and the FCBA. If the creditor can not verify the accuracy of the reported information, I demand that all incorrect entries be permanently removed from my credit report. CRAs must act promptly to investigate and correct any inaccuracies or unverifiable information.\n\nDistribution List : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) National Credit Union Administration ( NCUA ) State of Indiana Attorney Generals Office Attorney General of Virginia Office XXXX XXXX XXXX XXXX  This summary is intended to assist the CFPB and other consumers in understanding the issues I have raised and to promote accountability and transparency in credit reporting practices.","date_sent_to_company":"2024-09-04T11:15:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"10005035","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T16:44:18.000Z","state":"VA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["These errors include discrepancies in the reported creditors name, missing balance and payment information, inconsistencies in reporting dates, and a <em>lack</em> of <em>transparency</em> regarding account ownership. These inaccuracies have negatively impacted my credit score and overall financial standing, raising serious concerns about compliance with the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> Credit Billing Act ( FCBA ).\n\nKey Issues : 1."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.865297,"10005035"]},{"_index":"complaint-public-v1","_id":"11505799","_score":15.8546505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute and Demand for Deletion of Inaccurate Information Due to Sham Re-Investigation by Experian To Whom It May Concern, I am writing to dispute the inaccurate and incomplete reporting of the following account on my credit report : Creditor Name : XXXX XXXX  XXXX  Account Number : XXXX Account Type : Credit Card Experians handling of this dispute, including the reinvestigation process referenced in CFPB Complaint # XXXX, reflects a sham investigation that failed to comply with the Fair Credit Reporting Act ( FCRA ). There actions ( or lack thereof ) constitute a clear violation of federal law and have caused ongoing harm to my financial reputation. \nViolations of FCRA in Experians Reinvestigation Process Sham Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.\n\nExperian failed to address the recurring and inaccurate charge-off reporting from XX/XX/XXXX to XX/XX/XXXX, which misrepresents a one-time charge-off as ongoing delinquency. \n\nThey Ignored significant discrepancies, such as the last payment date being reported as XX/XX/XXXX, while a charge-off was recorded in XX/XX/XXXX. \n\nThey are not reporting any payment amounts and did not investigate the absence of detailed payment history prior to the charge-offs, omitting critical context. This account is paid in full as agreed and should not be reporting as a XXXX  for several months without showing the payments made for the account history. \n\nInstead of performing a meaningful reinvestigation, Experian merely deferred to the data furnisher, which is insufficient under the FCRA. This superficial process fails to meet the reasonable investigation standard required by law. \nPer 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian must provide a description of the procedures used to determine the accuracy of disputed information. Their response lacked transparency, failing to : Provide evidence of how the data furnisher verified the disputed information. Experian should explain how the inaccuracies and inconsistencies I identified were addressed or resolved.\n\nThey failure to Address Re-aging of the Account, The account reflects evidence of illegal re-aging, with charge-offs being reported well beyond the allowable time frame under 15 U.S.C. 1681c ( c ). Experians refusal to investigate this claim is a blatant disregard for your legal obligations under the FCRA.\n\nLack of Transparency in Dispute Results : While Experian claimed to have sent a summary of the reinvestigation results, it failed to clarify how the specific discrepancies were resolved. This lack of transparency violates 15 U.S.C. 1681g ( a ) ( 2 ), which mandates full disclosure of the sources and methods used in the reinvestigation process.\n\nGiven these egregious violations of the FCRA, I am demanding the following : Immediate Deletion of the XXXXXXXX XXXX XXXX  Account from my credit report due to inaccurate, incomplete, and unverifiable information. \nIf you do not delete this account please provide detailed documentation of Reinvestigation Procedures you used, including specific evidence from the data furnisher supporting their verification. \nNotice of Intent to Escalate If Experian does not fully address this matter and provide the requested relief within 15 days, I will file a Lawsuit","date_sent_to_company":"2025-01-13T15:48:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30126","tags":null,"has_narrative":true,"complaint_id":"11505799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-13T15:39:06.000Z","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":["Experians refusal to <em>investigate</em> this claim is a blatant disregard for your legal obligations under the FCRA.\n\n<em>Lack</em> of <em>Transparency</em> in Dispute Results : While Experian claimed to have sent a summary of the reinvestigation results, it failed to clarify how the specific discrepancies were resolved. This <em>lack</em> of <em>transparency</em> <em>violates</em> 15 U.S.C. 1681g ( a ) ( 2 ), which mandates full disclosure of the sources and methods used in the reinvestigation process."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.8546505,"11505799"]},{"_index":"complaint-public-v1","_id":"10004968","_score":15.842217,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am sharing my experience to emphasize the importance of accurate credit reporting and the serious consequences that can occur when errors are not corrected. I am formally disputing significant errors on my credit report related to an account with XXXX XXXX XXXX XXXX. These errors include discrepancies in the reported creditors name, missing balance and payment information, inconsistencies in reporting dates, and a lack of transparency regarding account ownership. These inaccuracies have negatively impacted my credit score and overall financial standing, raising serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).\n\nKey Issues : 1. Discrepancy in Creditor Name : The creditors name is inaccurately listed as XXXX XXXX XXXX XXXX, which may not match the correct legal name. Additionally, the creditor/furnisher identifies itself as XXXX XXXX on billing statements, conflicting with its charter name. This misrepresentation raises concerns about whether the entity is correctly identified, potentially leading to significant inaccuracies on my credit report. \n2. Missing Balance and Monthly Payment Information : My credit report reflects a balance of {$25000.00} as of XX/XX/year>, but it lacks detailed information about the payments leading to this balance. The absence of this information may constitute a billing error under the FCBA and violates the requirement to provide accurate and complete information to CRAs under the FCRA.\n\n3. Incomplete Terms Duration : The Terms Duration is listed as 60, but it is unclear what this duration represents. This incomplete reporting complicates my understanding of the accounts terms and violates the FCRAs requirement for accurate reporting.\n\n4. Potential Inaccuracies in High-Balance Reporting : The high balance is reported as {$24000.00}, which does not align with the current balance and charge-off amount of {$25000.00}. There is no explanation provided for this discrepancy, which is essential for accurate reporting.\n\n5. Inconsistent Reporting Dates : The account is reported as Charge off, but the dates, including the date opened and date last reported, show inconsistencies. These discrepancies suggest potential errors in reporting, violating the FCRA.\n\n6. Lack of Transparency Regarding Account Ownership : The account status indicates Charge off, but there is no clear information on whether the debt was transferred to another lender or remains with the original creditor. Evidence suggests that XXXX XXXX XXXX XXXX XXXX have sold the account to a debt collection agency in XX/XX/year>. This lack of transparency violates the FCRAs requirement to provide full identifying information of any entity that has furnished consumer data. \nDespite initiating the dispute more than 30 days ago, the CRAs have not resolved these issues. Under the FCRA, CRAs are required to conduct a timely and thorough reinvestigation of disputed information. The delay in addressing these errors is unacceptable and may constitute a violation of the law.\n\nI am requesting a thorough investigation under both the FCRA and the FCBA. If the creditor can not verify the accuracy of the reported information, I demand that all incorrect entries be permanently removed from my credit report. CRAs must act promptly to investigate and correct any inaccuracies or unverifiable information. \nDistribution List : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) National Credit Union Administration ( NCUA ) State of Indiana Attorney Generals Office Attorney General of Virginia Office XXXX XXXX XXXX XXXX This summary is intended to assist the CFPB and other consumers in understanding the issues I have raised and to promote accountability and transparency in credit reporting practices.","date_sent_to_company":"2024-09-04T11:18:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"10004968","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-03T16:28:44.000Z","state":"VA","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":["These errors include discrepancies in the reported creditors name, missing balance and payment information, inconsistencies in reporting dates, and a <em>lack</em> of <em>transparency</em> regarding account ownership. These inaccuracies have negatively impacted my credit score and overall financial standing, raising serious concerns about compliance with the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> Credit Billing Act ( FCBA ).\n\nKey Issues : 1."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.842217,"10004968"]},{"_index":"complaint-public-v1","_id":"10004967","_score":15.842217,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am sharing my experience to emphasize the importance of accurate credit reporting and the serious consequences that can occur when errors are not corrected. I am formally disputing significant errors on my credit report related to an account with XXXX XXXX XXXX XXXX. These errors include discrepancies in the reported creditors name, missing balance and payment information, inconsistencies in reporting dates, and a lack of transparency regarding account ownership. These inaccuracies have negatively impacted my credit score and overall financial standing, raising serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). \nKey Issues : 1. Discrepancy in Creditor Name : The creditors name is inaccurately listed as XXXX XXXX XXXX XXXX, which may not match the correct legal name. Additionally, the creditor/furnisher identifies itself as XXXX XXXX on billing statements, conflicting with its charter name. This misrepresentation raises concerns about whether the entity is correctly identified, potentially leading to significant inaccuracies on my credit report. \n2. Missing Balance and Monthly Payment Information : My credit report reflects a balance of {$25000.00} as of XX/XX/year>, but it lacks detailed information about the payments leading to this balance. The absence of this information may constitute a billing error under the FCBA and violates the requirement to provide accurate and complete information to CRAs under the FCRA.\n\n3. Incomplete Terms Duration : The Terms Duration is listed as 60, but it is unclear what this duration represents. This incomplete reporting complicates my understanding of the accounts terms and violates the FCRAs requirement for accurate reporting. \n4. Potential Inaccuracies in High-Balance Reporting : The high balance is reported as {$24000.00}, which does not align with the current balance and charge-off amount of {$25000.00}. There is no explanation provided for this discrepancy, which is essential for accurate reporting. \n5. Inconsistent Reporting Dates : The account is reported as Charge off, but the dates, including the date opened and date last reported, show inconsistencies. These discrepancies suggest potential errors in reporting, violating the FCRA.\n\n6. Lack of Transparency Regarding Account Ownership : The account status indicates Charge off, but there is no clear information on whether the debt was transferred to another lender or remains with the original creditor. Evidence suggests that XXXX XXXX XXXX XXXX XXXX have sold the account to a debt collection agency in XX/XX/year>. This lack of transparency violates the FCRAs requirement to provide full identifying information of any entity that has furnished consumer data. \nDespite initiating the dispute more than 30 days ago, the CRAs have not resolved these issues. Under the FCRA, CRAs are required to conduct a timely and thorough reinvestigation of disputed information. The delay in addressing these errors is unacceptable and may constitute a violation of the law.\n\nI am requesting a thorough investigation under both the FCRA and the FCBA. If the creditor can not verify the accuracy of the reported information, I demand that all incorrect entries be permanently removed from my credit report. CRAs must act promptly to investigate and correct any inaccuracies or unverifiable information. \nDistribution List : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) National Credit Union Administration ( NCUA ) State of Indiana Attorney Generals Office Attorney General of Virginia XXXX XXXX XXXX XXXX XXXX This summary is intended to assist the CFPB and other consumers in understanding the issues I have raised and to promote accountability and transparency in credit reporting practices.","date_sent_to_company":"2024-09-09T13:15:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20148","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"10004967","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-03T16:46:23.000Z","state":"VA","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":["These errors include discrepancies in the reported creditors name, missing balance and payment information, inconsistencies in reporting dates, and a <em>lack</em> of <em>transparency</em> regarding account ownership. These inaccuracies have negatively impacted my credit score and overall financial standing, raising serious concerns about compliance with the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Fair</em> Credit Billing Act ( FCBA ). \nKey Issues : 1."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.842217,"10004967"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2512,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2512}]}},"product":{"doc_count":2512,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1850,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1837},{"key":"Other personal consumer 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