{"took":235,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":586,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4444893","_score":17.619778,"_source":{"product":"Debt collection","complaint_what_happened":"This letter is a formal notice of my intent to file a complaint with the FTC, due to Bureau blatant and objectionable disregard of the law. \n\nI have submitted 2 letters to Bureau for disputing medical collection on my credit report. To date Bureau has not done their duty as mandated by law.\n\nFederal law requires Bureau to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).\n\n1. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! \n\n\nIf you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. \n\n\nBe advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.","date_sent_to_company":"2021-06-09T18:29:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"08234","tags":null,"has_narrative":true,"complaint_id":"4444893","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-06-09T18:13:28.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Be advised that the description of the <em>procedure</em> used to determine the accuracy and. completeness of the <em>information</em> is hereby requested as well, to be provided within 15 days of the completion of your re-<em>investigation</em>."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[17.619778,"4444893"]},{"_index":"complaint-public-v1","_id":"8811206","_score":17.054857,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a formal complaint regarding the egregious failure of multiple creditors to validate a disputed debt of {$2200.00}, in blatant violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I meticulously followed FCRA procedures by directly disputing this account on my credit report with the creditor ( s ). Each dispute included a detailed request for verification, demanding proof of the debt 's legal origin, confirmation it wasn't disputed due to faulty products, and documentation that it wasn't claimed as a tax deduction or insurance loss. Despite these repeated and well-founded attempts, the creditor ( s ) have exhibited a complete disregard for their legal obligations, failing to provide any response or communication regarding validation.\n\nThis utter lack of response from the creditor ( s ) constitutes a serious breach of my rights under the FCRA and raises significant concerns about the accuracy of the reported information. The presence of an unverified {$2200.00} debt on my credit report can inflict substantial harm, negatively impacting my ability to secure loans, housing, and other essential financial services. \n\nI demand that the CFPB conduct a swift and thorough investigation into this matter. It is imperative to ensure the creditor ( XXXX ) comply with FCRA regulations regarding debt validation. Furthermore, I request the immediate removal of this potentially inaccurate information from my credit reports. If the creditor ( s ) continue their blatant disregard for the law and fail to provide proper validation after this complaint, I will be forced to explore all available legal options to ensure my rights are protected and to hold them accountable for their violations.","date_sent_to_company":"2024-04-19T15:24:32.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"29708","tags":null,"has_narrative":true,"complaint_id":"8811206","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-04-19T14:37:34.000Z","state":"SC","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I demand that the CFPB conduct a swift and thorough <em>investigation</em> into this matter. It is imperative to ensure the creditor ( XXXX ) comply with FCRA regulations regarding debt validation. Furthermore, I request the immediate removal of this potentially inaccurate <em>information</em> from my credit reports."],"sub_issue":["Didn't receive enough <em>information</em> to verify debt"]},"sort":[17.054857,"8811206"]},{"_index":"complaint-public-v1","_id":"8887568","_score":16.761538,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SEE ATTACHED FTC AND UCC 11 RESULTS FOR ALL FALSE LEIN HOLDERS AND A-L FINANCIAL ACCOUNT.\n\nBlatant Violation of Consumer Rights and Potential Securities Fraud It has come to my extreme dissatisfaction that no clear and conspicuous consent was ever obtained from myself, the consumer, for the furnishing of credit reports by any creditor or credit reporting agency ( CRA ). Neither written nor verbal permission was granted for the reporting of my transactions, nor was I ever informed about the distribution of my personal information to third parties. \n\nThis blatant disregard for the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) is unacceptable. Congress explicitly prohibits the reporting of my non-public personal information without my clear and conspicuous opt-out, as outlined in 15 USC 6802 ( b ) ( 1 ). Despite this legal requirement, my information has been used by creditors, third-party debt collectors, and CRAs like XXXX, XXXX, and XXXX, not only resulting in identity theft but also potentially constituting securities fraud. \n\nFurthermore, my explicit request over two months ago to block and remove these reports, as mandated by 15 USC 1681C-2, has been ignored. This blatant disregard for the legal timeframe of four days for processing such requests is a further sign of your negligence.\n\nBe warned : 15 USC 1681 ( b ) demands that CRAs implement reasonable procedures for handling consumer credit information with fairness and equity. This includes ensuring confidentiality, accuracy, and proper utilization of data, all of which have been demonstrably violated in my case.\n\nYour continued furnishing of these reports without my consent opens the door to potential securities fraud charges under my Congressional findings.\n\nI demand immediate action. Cease and desist all further reporting of my personal information without my explicit authorization. Additionally, I expect a full and swift investigation into this matter, including the removal of all inaccurate information from my credit reports within the legal timeframe. \n\nConsider this a formal warning. I will not hesitate to pursue legal action against all involved parties if these violations persist.","date_sent_to_company":"2024-04-30T03:00:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90015","tags":null,"has_narrative":true,"complaint_id":"8887568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"A-L FINANCIAL CORP","date_received":"2024-04-30T03:00:54.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>blatant</em> <em>disregard</em> for the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) is unacceptable. Congress explicitly prohibits the reporting of my non-public personal <em>information</em> without my clear and conspicuous opt-out, as outlined in 15 USC 6802 ( b ) ( 1 )."]},"sort":[16.761538,"8887568"]},{"_index":"complaint-public-v1","_id":"8887729","_score":16.758598,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SEE ATTACHED FTC AND UCC 11 RESULTS FOR ALL FALSE LEIN HOLDERS AND A-L FINANCIAL ACCOUNT.\n\nBlatant Violation of Consumer Rights and Potential Securities Fraud It has come to my extreme dissatisfaction that no clear and conspicuous consent was ever obtained from myself, the consumer, for the furnishing of credit reports by any creditor or credit reporting agency ( CRA ). Neither written nor verbal permission was granted for the reporting of my transactions, nor was I ever informed about the distribution of my personal information to third parties.\n\nThis blatant disregard for the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) is unacceptable. Congress explicitly prohibits the reporting of my non-public personal information without my clear and conspicuous opt-out, as outlined in 15 USC 6802 ( b ) ( 1 ). Despite this legal requirement, my information has been used by creditors, third-party debt collectors, and CRAs like XXXX, Equifax, and XXXX, not only resulting in identity theft but also potentially constituting securities fraud. \n\nFurthermore, my explicit request over XXXX months ago to block and remove these reports, as mandated by 15 USC 1681C-2, has been ignored. This blatant disregard for the legal timeframe of four days for processing such requests is a further sign of your negligence.\n\nBe warned : 15 USC 1681 ( b ) demands that CRAs implement reasonable procedures for handling consumer credit information with fairness and equity. This includes ensuring confidentiality, accuracy, and proper utilization of data, all of which have been demonstrably violated in my case.\n\nYour continued furnishing of these reports without my consent opens the door to potential securities fraud charges under my Congressional findings.\n\nI demand immediate action. Cease and desist all further reporting of my personal information without my explicit authorization. Additionally, I expect a full and swift investigation into this matter, including the removal of all inaccurate information from my credit reports within the legal timeframe. \n\nConsider this a formal warning. I will not hesitate to pursue legal action against all involved parties if these violations persist.","date_sent_to_company":"2024-04-30T03:00:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90015","tags":null,"has_narrative":true,"complaint_id":"8887729","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-30T01:23:26.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>blatant</em> <em>disregard</em> for the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) is unacceptable. Congress explicitly prohibits the reporting of my non-public personal <em>information</em> without my clear and conspicuous opt-out, as outlined in 15 USC 6802 ( b ) ( 1 )."]},"sort":[16.758598,"8887729"]},{"_index":"complaint-public-v1","_id":"18165521","_score":16.754091,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax, XXXX, My fico score, XXXX XXXX Showing information that has not been updated since XX/XX/year> to date XX/XX/year>. \nBlatant negligence and disregard for federal law and my rights under ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.\n\n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.","date_sent_to_company":"2025-12-19T06:06:35.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"08081","tags":null,"has_narrative":true,"complaint_id":"18165521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-19T06:06:10.000Z","state":"NJ","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Equifax, XXXX, My fico score, XXXX XXXX Showing <em>information</em> that has not been updated since XX/XX/year> to date XX/XX/year>. \n<em>Blatant</em> negligence and <em>disregard</em> for federal law and my rights under ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting."]},"sort":[16.754091,"18165521"]},{"_index":"complaint-public-v1","_id":"8887567","_score":16.712376,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SEE ATTACHED FTC AND UCC 11 RESULTS FOR ALL FALSE LEIN HOLDERS AND A-L FINANCIAL ACCOUNT. \nBlatant Violation of Consumer Rights and Potential Securities Fraud It has come to my extreme dissatisfaction that no clear and conspicuous consent was ever obtained from myself, the consumer, for the furnishing of credit reports by any creditor or credit reporting agency ( CRA ). Neither written nor verbal permission was granted for the reporting of my transactions, nor was I ever informed about the distribution of my personal information to third parties. \n\nThis blatant disregard for the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) is unacceptable. Congress explicitly prohibits the reporting of my non-public personal information without my clear and conspicuous opt-out, as outlined in 15 USC 6802 ( b ) ( 1 ). Despite this legal requirement, my information has been used by creditors, third-party debt collectors, and CRAs like Experian, XXXX, and XXXX, not only resulting in identity theft but also potentially constituting securities fraud. \n\nFurthermore, my explicit request over two months ago to block and remove these reports, as mandated by 15 USC 1681C-2, has been ignored. This blatant disregard for the legal timeframe of four days for processing such requests is a further sign of your negligence.\n\nBe warned : 15 USC 1681 ( b ) demands that CRAs implement reasonable procedures for handling consumer credit information with fairness and equity. This includes ensuring confidentiality, accuracy, and proper utilization of data, all of which have been demonstrably violated in my case.\n\nYour continued furnishing of these reports without my consent opens the door to potential securities fraud charges under my Congressional findings.\n\nI demand immediate action. Cease and desist all further reporting of my personal information without my explicit authorization. Additionally, I expect a full and swift investigation into this matter, including the removal of all inaccurate information from my credit reports within the legal timeframe.\n\nConsider this a formal warning. I will not hesitate to pursue legal action against all involved parties if these violations persist.","date_sent_to_company":"2024-04-30T03:00:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90015","tags":null,"has_narrative":true,"complaint_id":"8887567","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-30T03:00:54.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>blatant</em> <em>disregard</em> for the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) is unacceptable. Congress explicitly prohibits the reporting of my non-public personal <em>information</em> without my clear and conspicuous opt-out, as outlined in 15 USC 6802 ( b ) ( 1 )."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[16.712376,"8887567"]},{"_index":"complaint-public-v1","_id":"12863575","_score":15.950478,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Received as of XX/XX/year>XXXX  confirmation that Equifax will NOT follow the law as outlined by the FCRA. \nEquifax has once again demonstrated gross negligence and blatant disregard for the evidence and documentation I have repeatedly provided regarding fraudulent activity on my credit report. \n\nDespite submitting extensive proof of identity theft and requesting the removal of fraudulent information, Equifax completed their recent investigation and issued a response that is both offensive and unacceptable. Their notice addressed me by a fraudulent name directly tied to the identity theft case I have reported and listed an address that had already been disputed, proven fraudulent, and previously removed from my file. \n\nThis behavior is not only irresponsible but appears to be retaliatory and harassing in nature. It is clear that Equifax has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). They have ignored critical documentation I provided, failed to correct false information, and are willfully continuing to report data that they know or should know is inaccurate and harmful. \n\nI am requesting immediate intervention by the CFPB to hold Equifax accountable for their repeated violations, their failure to properly investigate my dispute, and their continued reporting of fraudulent information. I demand the removal of all fraudulent names, addresses, and accounts associated with this case from my credit report. \n\nFurthermore, I am requesting an investigation into Equifaxs dispute handling procedures, as their actions have caused undue stress, harm to my credit standing, and emotional distress. \n\nThis matter requires urgent and aggressive action.","date_sent_to_company":"2025-04-07T12:51:54.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"12863575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-07T12:39:22.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Equifax has once again demonstrated gross negligence and <em>blatant</em> <em>disregard</em> for the evidence and documentation I have repeatedly provided regarding fraudulent activity on my credit report. \n\nDespite submitting extensive proof of identity theft and requesting the removal of fraudulent <em>information</em>, Equifax completed their recent <em>investigation</em> and issued a response that is both offensive and unacceptable."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[15.950478,"12863575"]},{"_index":"complaint-public-v1","_id":"15084898","_score":15.811693,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against TRANSUNION for its continuous failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically in violation of 15 U.S.C. 1681i ( a ) concerning the obligation to reinvestigate disputed information and 15 U.S.C. 1681e ( b ) which mandates reasonable procedures to assure maximum possible accuracy in consumer reports. Despite multiple dispute submissions, TRANSUNION has failed to perform a lawful reinvestigation of the disputed accounts, resulting in the continued reporting of inaccurate and unverifiable information on my credit file.\n\nUnder 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, TRANSUNION is required to provide a complete and detailed description of the procedures used to verify disputed information, commonly known as the Method of Verification. My written requests for this documentation have been consistently ignored or met with generic template letters that lack any substantive details on how TRANSUNION verified the accuracy of the accounts in question. This blatant disregard for transparency and due process is a direct violation of my rights as a consumer.\n\nAdditionally, TRANSUNIONs continued reporting of disputed information without properly verifying its accuracy is a clear breach of 1681e ( b ), which imposes a duty on consumer reporting agencies to follow reasonable procedures to assure the maximum possible accuracy of consumer report information. TRANSUNIONs failure to update, correct, or remove inaccurate data after receiving evidence of errors has adversely affected my creditworthiness and caused harm in my financial dealings. Their repeated failures to uphold their responsibilities under the FCRA warrant regulatory enforcement actions to protect not only my consumer rights but also to ensure that TRANSUNION reforms its investigation procedures to prevent similar violations against other consumers.","date_sent_to_company":"2025-08-05T14:43:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90008","tags":null,"has_narrative":true,"complaint_id":"15084898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-05T14:35:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>blatant</em> <em>disregard</em> for transparency and due process is a direct violation of my rights as a consumer.\n\nAdditionally, TRANSUNIONs continued reporting of disputed <em>information</em> without properly verifying its accuracy is a clear breach of 1681e ( b ), which imposes a duty on consumer reporting agencies to follow reasonable <em>procedures</em> to assure the maximum possible accuracy of consumer report <em>information</em>."]},"sort":[15.811693,"15084898"]},{"_index":"complaint-public-v1","_id":"7640914","_score":15.677061,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Remove these items from my report according to the law. \nThis letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. \nAs indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date, you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. \nFederal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).\n\nI am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance. \nFor the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.\n\nShould you continue to operate with complete disregard for the law, I intend to seek redress in a civil action for recovery of damages, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under the law from you.\n\nAdditionally, please provide the name, address, and telephone number of each credit grantor or other subscribers.\n\nUnder federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.\n\nBe advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within 15 days of the completion of your re-investigation.","date_sent_to_company":"2023-10-04T13:02:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"7640914","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-04T12:52:57.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under federal law, you had 30 days to complete your re-<em>investigation</em>, yet you have failed to respond. Further delays are inexcusable.\n\nBe advised that the description of the <em>procedure</em> used to determine the accuracy and completeness of the <em>information</em> is at this moment requested as well, to be provided within 15 days of the completion of your re-<em>investigation</em>."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[15.677061,"7640914"]},{"_index":"complaint-public-v1","_id":"7600415","_score":15.615738,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It has come to my attention that despite my relentless efforts to rectify the fraudulent accounts on my credit report, you have failed to provide a reasonable solution. These accounts continue to plague my financial life, and I can no longer tolerate your blatant disregard for the law and your duty to consumers. \nI want to make it abundantly clear that I have taken every conceivable step within my power to rectify this situation. I have submitted detailed disputes, provided substantial evidence of fraud, and diligently followed your prescribed procedures. \nYour persistent refusal to take action to correct this grave injustice not only violates my rights but also exposes your agency to serious legal consequences. Under the Fair Credit Reporting Act ( FCRA ), it is your solemn obligation to ensure the accuracy and integrity of the information you report. You are legally required to conduct thorough investigations when a consumer disputes the accuracy of any data on their credit report. \nI insist on the immediate and unequivocal removal of the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-09-25T05:44:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11206","tags":null,"has_narrative":true,"complaint_id":"7600415","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-25T05:34:44.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These accounts continue to plague my financial life, and I can no longer tolerate your <em>blatant</em> <em>disregard</em> for the law and your duty to consumers. \nI want to make it abundantly clear that I have taken every conceivable step within my power to rectify this situation. I have submitted detailed disputes, provided substantial evidence of fraud, and diligently followed your prescribed <em>procedures</em>."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[15.615738,"7600415"]},{"_index":"complaint-public-v1","_id":"3649456","_score":15.414506,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I sent a letter Account Resolution Services ( ARS ) credit collection agency disputing the debt that is being reported to all 3 major credit bureaus in the amount {$940.00}. I requested that ARS provide me with validation of the debt in the form of a copy of an original bill and a detailed statement of procedures. I asked that this information be sent to me via U.S. Mail within 30 days. On XX/XX/XXXX, Account Resolution Services sent me a letter stating that the debt is valid, but failed to provide the proof verifying the debt as I requested within my legal rights. They also failed to provide me with the ORIGINAL CREDITOR 'S contact information including full name, address and contact number. On XX/XX/XXXX ARS sent me the exact same letter again without any additional information stating that the debt has been verified by \" their client '' and has continued to report this on my credit. By not providing me with the proper verification within the required amount of time ARS has blatantly disregarded the FCRA and FDCPA law. Now as of XX/XX/XXXX this inaccuracy is STILL being reported and I have yet to be given the opportunity to investigate this debt. I am requesting that you require this agency produce proof or immediately stop reporting this debt as it is affecting my ability to obtain credit with other lenders.","date_sent_to_company":"2020-05-13T07:02:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"44146","tags":null,"has_narrative":true,"complaint_id":"3649456","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HCFS Healthcare Financial Services of TeamHealth","date_received":"2020-05-13T02:20:12.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["They also failed to provide me with the ORIGINAL CREDITOR 'S contact <em>information</em> including full name, address and contact number. On XX/XX/XXXX ARS sent me the exact same letter again without any additional <em>information</em> stating that the debt has been verified by \" their client '' and has continued to report this on my credit. By not providing me with the proper verification within the required amount of time ARS has <em>blatantly</em> <em>disregarded</em> the FCRA and FDCPA law."]},"sort":[15.414506,"3649456"]},{"_index":"complaint-public-v1","_id":"4024598","_score":15.387215,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are multiple errors for the accounts listed below. An accounting of the activity for the various accounts in dispute are listed below. These disputes were put in with both the creditor and the credit bureau. No actions were taken on the part of either party to rectify the complaints. According to the Fair Credit Reporting Act, I am requesting a deletion of this account from my credit report because the information requested has not been verified nor has proof of verification been presented. \n\nACTIVITY 1. Letter to creditor to correct inaccuracies. Evidence of account submitted. \nLetter Date : XX/XX/2020 Request : Please investigate and fix data on my credit report. \nDecision Made : No response to letter. \n\n2. Letter to credit bureau to correct inaccuracies. Evidence of account submitted. \nCertified Letter Date : XX/XX/2020 Request : Please investigate and fix or delete from my credit report. \nDecision Report : XX/XX/2020 Decision Made : No change in any account details. \n\n3. Letter to validate and send data used to decline correction of account errors. Also send copy of procedure outline for collecting data. \nCertified Letter Date : XX/XX/2020 Request : Please investigate and delete from my credit report if verification data can not be produced. \nDecision Report : XX/XX/2020 Decision Made : No change in any account details. Experian procedures sent via mail and email. \n\n4. Letter to produce records of charge off notification. \nCertified Letter Date : XX/XX/2020 Certified Letter Received : XX/XX/2020 Request : Please investigate and delete from my credit report if verification data can not be produced. \nDecision Report : XX/XX/2020 Decision Made : No change in any accounts details. No records sent to consumer. \n\nExperian 's blatant disregard for following procedure in this matter is shameful. They literally did nothing.","date_sent_to_company":"2020-12-21T21:02:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10701","tags":null,"has_narrative":true,"complaint_id":"4024598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-12-21T20:32:45.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Experian <em>procedures</em> sent via mail and email. \n\n4. Letter to produce records of charge off notification. \nCertified Letter Date : XX/XX/2020 Certified Letter Received : XX/XX/2020 Request : Please <em>investigate</em> and delete from my credit report if verification data can not be produced. \nDecision Report : XX/XX/2020 Decision Made : No change in any accounts details. No records sent to consumer. \n\nExperian 's <em>blatant</em> <em>disregard</em> for following <em>procedure</em> in this matter is shameful."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.387215,"4024598"]},{"_index":"complaint-public-v1","_id":"12249088","_score":15.293717,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I previously disputed the XXXX XXXX account with XXXX late payments on XX/XX/year>, but I never received a response or acknowledgment from Experian. The failure to properly investigate or update the reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) and has not been addressed despite my good-faith dispute. \n\nAs stated in the FCRA, whenever a consumer reporting agency prepares a consumer report, they are required to follow reasonable procedures to ensure maximum possible accuracy of the information related to the consumer per 15 USC 1681e ( b ). However, the XXXX XXXX account remains on my report despite being disputed multiple times, showing that those procedures were not followed. This is inexcusable and highlights a systematic failure by Experian, which has recently lost legal cases for similar failures to properly investigate and update inaccurate reports.\n\nUnder 15 USC 1681i ( 5 ), when a consumer disputes an item and the credit bureau is unable to verify it as accurate, they must promptly delete or modify the item. This was not done in my case, and Experian failed to notify the furnisher, XXXX XXXX, that the information was disputed, violating my rights under the FCRA. Additionally, Experian has 5 days to provide details of the investigation, yet they have failed to meet this requirement.\n\nFurthermore, 15 USC 1681s-2 clearly states that no person should furnish any consumer information to a reporting agency if they know or have reason to believe it is inaccurate. The continued reporting of this account, even after it was disputed, directly violates this provision and exposes Experian to potential legal consequences.\n\nLastly, 15 USC 1681b ( a ) ( 1 ) prohibits the furnishing of incorrect consumer information. Despite my dispute and the failure to investigate or update the report, the account remains, showing a blatant disregard for federal law. I am prepared to escalate this matter to litigation if immediate corrective action is not taken, as I have already made numerous attempts to resolve this issue in good faith.","date_sent_to_company":"2025-02-28T00:00:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32221","tags":null,"has_narrative":true,"complaint_id":"12249088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-27T23:45:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Lastly, 15 USC 1681b ( a ) ( 1 ) prohibits the furnishing of incorrect consumer <em>information</em>. Despite my dispute and the failure to <em>investigate</em> or update the report, the account remains, showing a <em>blatant</em> <em>disregard</em> for federal law. I am prepared to escalate this matter to litigation if immediate corrective action is not taken, as I have already made numerous attempts to resolve this issue in good faith."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[15.293717,"12249088"]},{"_index":"complaint-public-v1","_id":"9732979","_score":15.254754,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to you for the fifth time to dispute the inaccurate addresses that are currently listed on my credit report. Despite my previous communications dated [ insert dates of previous letters ], these erroneous addresses continue to appear on my credit profile, and no corrective action has been taken. These addresses do not belong to me and have never been associated with my personal or financial history. It is evident that there has been a significant oversight in the verification process conducted by your bureau. The continued presence of these inaccurate addresses on my credit report not only undermines my credibility but also reflects a blatant disregard for the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the accuracy and completeness of the information they report. \n\nI have already provided ample documentation and evidence to support my claim that these addresses are incorrect. Your failure to address and rectify these inaccuracies is unacceptable and demonstrates a lack of diligence in fulfilling your legal obligations under the FCRA. It is imperative that you take immediate action to investigate these discrepancies and remove the erroneous addresses from my credit report. \n\nI demand that you conduct a thorough and proper investigation into this matter and provide me with a detailed explanation of the steps taken to verify and correct my credit information. It is your responsibility to ensure that all items on my credit report are accurate and verifiable. The continued inaction on your part suggests a serious lapse in your verification procedures. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-08-08T02:36:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90027","tags":null,"has_narrative":true,"complaint_id":"9732979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-08T02:31:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["The continued presence of these inaccurate addresses on my credit report not only undermines my credibility but also reflects a <em>blatant</em> <em>disregard</em> for the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the accuracy and completeness of the <em>information</em> they report. \n\nI have already provided ample documentation and evidence to support my claim that these addresses are incorrect."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Personal <em>information</em> incorrect"]},"sort":[15.254754,"9732979"]},{"_index":"complaint-public-v1","_id":"9731897","_score":15.254754,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to you for the fifth time to dispute the inaccurate addresses that are currently listed on my credit report. Despite my previous communications dated [ insert dates of previous letters ], these erroneous addresses continue to appear on my credit profile, and no corrective action has been taken. These addresses do not belong to me and have never been associated with my personal or financial history. It is evident that there has been a significant oversight in the verification process conducted by your bureau. The continued presence of these inaccurate addresses on my credit report not only undermines my credibility but also reflects a blatant disregard for the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the accuracy and completeness of the information they report. \n\nI have already provided ample documentation and evidence to support my claim that these addresses are incorrect. Your failure to address and rectify these inaccuracies is unacceptable and demonstrates a lack of diligence in fulfilling your legal obligations under the FCRA. It is imperative that you take immediate action to investigate these discrepancies and remove the erroneous addresses from my credit report. \n\nI demand that you conduct a thorough and proper investigation into this matter and provide me with a detailed explanation of the steps taken to verify and correct my credit information. It is your responsibility to ensure that all items on my credit report are accurate and verifiable. The continued inaction on your part suggests a serious lapse in your verification procedures. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX","date_sent_to_company":"2024-08-08T02:36:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90027","tags":null,"has_narrative":true,"complaint_id":"9731897","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-08T02:31:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["The continued presence of these inaccurate addresses on my credit report not only undermines my credibility but also reflects a <em>blatant</em> <em>disregard</em> for the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the accuracy and completeness of the <em>information</em> they report. \n\nI have already provided ample documentation and evidence to support my claim that these addresses are incorrect."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Personal <em>information</em> incorrect"]},"sort":[15.254754,"9731897"]},{"_index":"complaint-public-v1","_id":"10071531","_score":15.094404,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This affidavit serves as my formal and urgent demand for immediate action regarding fraudulent accounts and erroneous personal information listed in my Equifax consumer file. Your failure to prevent the inclusion of this false data is a violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), and I expect this matter to be resolved without further delay. \nViolations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B ( 15 U.S. Code 1681c-2 ) As a victim of identity theft, I have the right to request and demand the blocking of fraudulent information from my consumer file. Your failure to remove these fraudulent accounts is a direct violation of this section.\n\n2. Section 609 ( 15 U.S. Code 1681g ) This section mandates that consumer reporting agencies must provide accurate and complete disclosure of all information in the consumer 's file upon request. Your continued reporting of false and fraudulent information violates this provision, as the data in my file is inaccurate.\n\n3. Section 611 ( 15 U.S. Code 1681i ) Under this section, Equifax is required to investigate disputed information within 30 days. Your lack of proper investigation and failure to remove erroneous entries demonstrates negligence and is a breach of your legal obligations.\n\n4. Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) This section requires you to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Your blatant disregard for this responsibility by reporting false","date_sent_to_company":"2024-09-10T19:59:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44107","tags":"Servicemember","has_narrative":true,"complaint_id":"10071531","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-10T19:59:36.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1681e ( b ) ) This section requires you to follow reasonable <em>procedures</em> to assure maximum possible accuracy of the <em>information</em> concerning the individual. Your <em>blatant</em> <em>disregard</em> for this responsibility by reporting false"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[15.094404,"10071531"]},{"_index":"complaint-public-v1","_id":"10071301","_score":15.094404,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This affidavit serves as my formal and urgent demand for immediate action regarding fraudulent accounts and erroneous personal information listed in my Equifax consumer file. Your failure to prevent the inclusion of this false data is a violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), and I expect this matter to be resolved without further delay. \nViolations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B ( 15 U.S. Code 1681c-2 ) As a victim of identity theft, I have the right to request and demand the blocking of fraudulent information from my consumer file. Your failure to remove these fraudulent accounts is a direct violation of this section.\n\n2. Section 609 ( 15 U.S. Code 1681g ) This section mandates that consumer reporting agencies must provide accurate and complete disclosure of all information in the consumer 's file upon request. Your continued reporting of false and fraudulent information violates this provision, as the data in my file is inaccurate.\n\n3. Section 611 ( 15 U.S. Code 1681i ) Under this section, Equifax is required to investigate disputed information within 30 days. Your lack of proper investigation and failure to remove erroneous entries demonstrates negligence and is a breach of your legal obligations. \n4. Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) This section requires you to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Your blatant disregard for this responsibility by reporting false","date_sent_to_company":"2024-09-10T19:59:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44107","tags":"Servicemember","has_narrative":true,"complaint_id":"10071301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-10T19:38:52.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1681e ( b ) ) This section requires you to follow reasonable <em>procedures</em> to assure maximum possible accuracy of the <em>information</em> concerning the individual. Your <em>blatant</em> <em>disregard</em> for this responsibility by reporting false"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[15.094404,"10071301"]},{"_index":"complaint-public-v1","_id":"3183114","_score":14.974736,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Through this portal I have filed complaints against Equifax, XXXX, & XXXX. The specifics of the complaint has been provided to several times. They have and are currently displaying blatant disregard for the \" Fair Credit Reporting Act '' known as the FCRA. I mailed disputes ( XX/XX/2018 ) which all three agencies failed to respond to in timely fashion. Not only have they failed to respond but they continue to display malicious intent by contacting for instance a creditor and claim fraud on my behalf when I merely requested they investigate a late. \nSpecifically the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \n\nThis behavior flys in face of the intent of the FCRA and should be met with the most severe scrutiny. These agencies use a great deal of misdirection to cause confusion and hopelessness. Please investigate my claims ...","date_sent_to_company":"2019-03-18T18:45:56.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60515","tags":null,"has_narrative":true,"complaint_id":"3183114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-03-18T18:12:06.000Z","state":"IL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>Procedure</em> in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed <em>Information</em> ( 1 ) Reinvestigation Required ( A ) In general."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[14.974736,"3183114"]},{"_index":"complaint-public-v1","_id":"3183112","_score":14.970405,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Through this portal I have filed complaints against XXXX, XXXX, & Transunion. The specifics of the complaint has been provided to several times. They have and are currently displaying blatant disregard for the \" Fair Credit Reporting Act '' known as the FCRA. I mailed disputes ( XX/XX/2018 ) which all three agencies failed to respond to in timely fashion. Not only have they failed to respond but they continue to display malicious intent by contacting for instance a creditor and claim fraud on my behalf when I merely requested they investigate a late. \nSpecifically the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if  the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \n\nThis behavior flys in face of the intent of the FCRA and should be met with the most severe scrutiny. These agencies use a great deal of misdirection to cause confusion and hopelessness. Please investigate my claims ...","date_sent_to_company":"2019-03-18T18:46:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60515","tags":null,"has_narrative":true,"complaint_id":"3183112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-03-18T18:46:04.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>Procedure</em> in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed <em>Information</em> ( 1 ) Reinvestigation Required ( A ) In general."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[14.970405,"3183112"]},{"_index":"complaint-public-v1","_id":"11085500","_score":14.835413,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX  Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX account ( # XXXX ) on my credit report by [ insert the credit bureaus in question, e.g., XXXX, Experian, and XXXX ]. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations. \n\nUnder 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).\n\nAdditionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities. \n\nI am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. \nThe credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. \nThe CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.","date_sent_to_company":"2024-12-09T21:18:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11085500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-09T21:18:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am requesting the CFPB to <em>investigate</em> this matter thoroughly and hold the credit bureaus accountable for their <em>blatant</em> <em>disregard</em> of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. \nThe credit bureaus provide documentation of their <em>procedures</em> and <em>investigations</em> into this account as required under the FCRA."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[14.835413,"11085500"]},{"_index":"complaint-public-v1","_id":"11086940","_score":14.790058,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX  Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX  account ( # XXXX ) on my credit report by [ insert the credit bureaus in question, e.g., XXXX, XXXX, and TransUnion ]. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations. \n\nUnder 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).\n\nAdditionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities.\n\nI am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. \nThe credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. \nThe CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.","date_sent_to_company":"2024-12-09T21:18:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11086940","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-09T21:18:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am requesting the CFPB to <em>investigate</em> this matter thoroughly and hold the credit bureaus accountable for their <em>blatant</em> <em>disregard</em> of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. \nThe credit bureaus provide documentation of their <em>procedures</em> and <em>investigations</em> into this account as required under the FCRA."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[14.790058,"11086940"]},{"_index":"complaint-public-v1","_id":"11085593","_score":14.790058,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX account ( # XXXX ) on my credit report by Experian, and XXXX. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations. \n\nUnder 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).\n\nAdditionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities. \n\nI am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. \nThe credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. \nThe CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.","date_sent_to_company":"2024-12-09T21:11:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11085593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-09T21:11:40.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am requesting the CFPB to <em>investigate</em> this matter thoroughly and hold the credit bureaus accountable for their <em>blatant</em> <em>disregard</em> of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. \nThe credit bureaus provide documentation of their <em>procedures</em> and <em>investigations</em> into this account as required under the FCRA."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[14.790058,"11085593"]},{"_index":"complaint-public-v1","_id":"11086593","_score":14.786633,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of Child Support Account # XXXX I am submitting this complaint regarding the false and willful reporting of a Child Support account ( # XXXX ) on my credit report by Experian, and XXXX. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations.\n\nUnder 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. 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Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. \nThe credit bureaus provide documentation of their <em>procedures</em> and <em>investigations</em> into this account as required under the FCRA."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[14.786633,"11079263"]},{"_index":"complaint-public-v1","_id":"11079250","_score":14.786633,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX account ( # XXXX ) on my credit report by [ insert the credit bureaus in question, e.g., XXXX, XXXX, and TransUnion ]. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations. \n\nUnder 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. 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