{"took":208,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":634,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8082844","_score":19.118084,"_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":["In light of Equifax 's failure to conduct a proper <em>investigation</em> and <em>provide</em> <em>transparency</em>, I request that the <em>inaccurate</em> <em>information</em> <em>identified</em> in my <em>credit</em> <em>report</em> be promptly deleted. This action is crucial to ensure the fair and accurate <em>reporting</em> of my <em>credit</em> history."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[19.118084,"8082844"]},{"_index":"complaint-public-v1","_id":"11505799","_score":16.969837,"_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":["Subject : Formal Dispute and Demand for Deletion of <em>Inaccurate</em> <em>Information</em> Due to Sham Re-<em>Investigation</em> by Experian To Whom It May Concern, I am writing to dispute the <em>inaccurate</em> and incomplete <em>reporting</em> of the following account on my <em>credit</em> <em>report</em> : Creditor Name : XXXX XXXX  XXXX  Account Number : XXXX Account Type : <em>Credit</em> Card Experians handling of this dispute, including the reinvestigation process referenced in CFPB Complaint # XXXX, reflects a sham <em>investigation</em> that failed to comply with"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[16.969837,"11505799"]},{"_index":"complaint-public-v1","_id":"16538183","_score":16.75434,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have submitted three formal disputes to Experian requesting the removal of inaccurate information on my credit report. Each time, I provided clear explanations and supporting documentation. Despite this, Experian has failed to perform a reasonable reinvestigation under FCRA XXXX XXXX. They did not provide any documentation to verify the account in question, nor did they respond with the method of verification or identify the data furnisher, as required by law. \n\nInstead, I received generic automated responses that suggest no meaningful investigation took place. This violates my rights under the Fair Credit Reporting Act. I am requesting immediate intervention from the CFPB to ensure that Experian performs a lawful and thorough reinvestigation. \n\nIf they can not verify the account with proper documentation from the original creditor, the item must be deleted. This is my third attempt and I am escalating the matter due to noncompliance and lack of transparency by Experian.","date_sent_to_company":"2025-10-13T21:38:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32832","tags":null,"has_narrative":true,"complaint_id":"16538183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-13T21:08:43.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have submitted three formal disputes to Experian requesting the removal of <em>inaccurate</em> <em>information</em> on my <em>credit</em> <em>report</em>. Each time, I provided clear explanations and supporting documentation. Despite this, Experian has failed to perform a reasonable reinvestigation under FCRA XXXX XXXX. They did not <em>provide</em> any documentation to verify the account in question, nor did they respond with the method of verification or <em>identify</em> the data furnisher, as required by law."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[16.75434,"16538183"]},{"_index":"complaint-public-v1","_id":"10005034","_score":16.727863,"_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":["I am requesting a thorough <em>investigation</em> under both the FCRA and the XXXX. If the creditor can not verify the accuracy of the <em>reported</em> <em>information</em>, I demand that all incorrect entries be permanently removed from my <em>credit</em> <em>report</em>. CRAs must act promptly to <em>investigate</em> and correct any inaccuracies or unverifiable <em>information</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.727863,"10005034"]},{"_index":"complaint-public-v1","_id":"10003589","_score":16.727863,"_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":["I am requesting a thorough <em>investigation</em> under both the FCRA and the FCBA. If the creditor can not verify the accuracy of the <em>reported</em> <em>information</em>, I demand that all incorrect entries be permanently removed from my <em>credit</em> <em>report</em>. CRAs must act promptly to <em>investigate</em> and correct any inaccuracies or unverifiable <em>information</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.727863,"10003589"]},{"_index":"complaint-public-v1","_id":"10005035","_score":16.715734,"_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":["I am requesting a thorough <em>investigation</em> under both the FCRA and the FCBA. If the creditor can not verify the accuracy of the <em>reported</em> <em>information</em>, I demand that all incorrect entries be permanently removed from my <em>credit</em> <em>report</em>. CRAs must act promptly to <em>investigate</em> and correct any inaccuracies or unverifiable <em>information</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.715734,"10005035"]},{"_index":"complaint-public-v1","_id":"10005669","_score":16.708162,"_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.\n\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.\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 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":"2024-09-04T11:15:45.000Z","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":"10005669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-03T16:35:22.000Z","state":"VA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am requesting a thorough <em>investigation</em> under both the FCRA and the FCBA. If the creditor can not verify the accuracy of the <em>reported</em> <em>information</em>, I demand that all incorrect entries be permanently removed from my <em>credit</em> <em>report</em>. CRAs must act promptly to <em>investigate</em> and correct any inaccuracies or unverifiable <em>information</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.708162,"10005669"]},{"_index":"complaint-public-v1","_id":"10004968","_score":16.686565,"_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":["I am requesting a thorough <em>investigation</em> under both the FCRA and the FCBA. If the creditor can not verify the accuracy of the <em>reported</em> <em>information</em>, I demand that all incorrect entries be permanently removed from my <em>credit</em> <em>report</em>. CRAs must act promptly to <em>investigate</em> and correct any inaccuracies or unverifiable <em>information</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.686565,"10004968"]},{"_index":"complaint-public-v1","_id":"10004967","_score":16.686565,"_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":["I am requesting a thorough <em>investigation</em> under both the FCRA and the FCBA. If the creditor can not verify the accuracy of the <em>reported</em> <em>information</em>, I demand that all incorrect entries be permanently removed from my <em>credit</em> <em>report</em>. CRAs must act promptly to <em>investigate</em> and correct any inaccuracies or unverifiable <em>information</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.686565,"10004967"]},{"_index":"complaint-public-v1","_id":"10003787","_score":16.673368,"_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":["I am requesting a thorough <em>investigation</em> under both the FCRA and the XXXX. If the creditor can not verify the accuracy of the <em>reported</em> <em>information</em>, I demand that all incorrect entries be permanently removed from my <em>credit</em> <em>report</em>. CRAs must act promptly to <em>investigate</em> and correct any inaccuracies or unverifiable <em>information</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.673368,"10003787"]},{"_index":"complaint-public-v1","_id":"10003790","_score":16.61797,"_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 XXXX 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 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 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":"10003790","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":["I am requesting a thorough <em>investigation</em> under both the FCRA and the XXXX. If the creditor can not verify the accuracy of the <em>reported</em> <em>information</em>, I demand that all incorrect entries be permanently removed from my <em>credit</em> <em>report</em>. CRAs must act promptly to <em>investigate</em> and correct any inaccuracies or unverifiable <em>information</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.61797,"10003790"]},{"_index":"complaint-public-v1","_id":"18351688","_score":16.491661,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding Equifax Information Services LLCs repeated failure to comply with its statutory obligations under the Fair Credit Reporting Act ( FCRA ) concerning the accuracy, correction, and deletion of personal identifying information in my consumer file.\n\nBackground and Timeline 1. Initial Personal Information Correction Request On XX/XX/year>, I mailed Equifax a written request for correction and deletion of inaccurate personal information in my credit file. This request was sent via certified mail and delivered to Equifax on XX/XX/year>, as confirmed by USPS tracking.\n\nThe request specifically sought : Deletion of inaccurate name Deletion of outdated addresses Removal of unnecessary employer information Written confirmation of all corrections and deletions performed Despite confirmed delivery, Equifax failed to provide any written response, failed to complete or disclose a lawful reinvestigation, and failed to provide the required written results within the statutory timeframe.\n\n2. Formal Enforcement / Failure-to-Reinvestigate Notice Due to Equifaxs non-response, I mailed a second letter via certified mail on XX/XX/year>, formally notifying Equifax of its failure to reinvestigate and providing a clear opportunity to cure. This enforcement notice was delivered to Equifax on XX/XX/year>, again confirmed by USPS delivery records.\n\nThe enforcement letter explicitly required Equifax, within 15 calendar days of receipt, to : Complete a lawful reinvestigation Permanently delete inaccurate and ALL outdated personal identifiers Provide written results of the reinvestigation, including a list of every correction and deletion made in response to my XX/XX/year> request Provide full description of the reinvestigation process including who conducted the investigation, verification methods, data sources and records used to verify disputed personal information Provide documentation supporting any decision to retain or modify personal information on my file Equifax again failed to respond. As of the expiration of the stated cure period, Equifax has provided no written communication, no investigation results, and no confirmation that the inaccurate personal information has been corrected or deleted. \nNature of the Violation Equifax has now failed on two separate occasions to meet its obligations to : Conduct a reasonable reinvestigation of disputed personal information Provide written notice of the results of any reinvestigation Maintain maximum possible accuracy of consumer file information These failures constitute non-compliance with Equifaxs duties under the Fair Credit Reporting Act, including the obligation to conduct a reasonable reinvestigation of disputed information and to provide written notice of the results of that reinvestigation, as required by 15 U.S.C. 1681i. This pattern reflects more than an isolated oversight. Equifax was placed on explicit notice of its non-compliance and given an opportunity to cure, yet chose not to respond. \nHarm and Risk to the Consumer The continued reporting of inaccurate personal identifying information exposes me to : Misattribution of accounts Mixed or merged credit files Increased risk of identity-related errors Ongoing inaccuracies that may affect credit decisions Equifaxs failure to respond also deprived me of the transparency and procedural protections guaranteed under federal law.","date_sent_to_company":"2025-12-29T21:22:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91913","tags":"Servicemember","has_narrative":true,"complaint_id":"18351688","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-29T21:03:07.000Z","state":"CA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Harm and Risk to the Consumer The continued <em>reporting</em> of <em>inaccurate</em> personal <em>identifying</em> <em>information</em> exposes me to : Misattribution of accounts Mixed or merged <em>credit</em> files Increased risk of identity-related errors Ongoing inaccuracies that may affect <em>credit</em> decisions Equifaxs failure to respond also deprived me of the <em>transparency</em> and procedural protections guaranteed under federal law."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Personal <em>information</em> incorrect"]},"sort":[16.491661,"18351688"]},{"_index":"complaint-public-v1","_id":"11735110","_score":16.145153,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Subject : Formal Dispute and Demand for Transparency of Investigation.\n\nI am writing to formally dispute the accuracy of information reported by XXXX XXXX XXXX, XXXX XXXX, and XXXX on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified discrepancies in the information furnished by these entities and request a thorough and transparent investigation into their reporting practices.\n\nPursuant to **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, I am entitled to a reasonable reinvestigation of any disputed information, and I request that you provide the methods, procedures, and findings of your investigation in accordance with **15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) **. Additionally, I demand the following : 1. **Verification of Information : ** Provide documentation proving that National Credit Adjusters XXXX XXXX XXXX  XXXX and XXXX have properly validated the debts in compliance with **15 U.S.C. 1692g ( b ) ** under the Fair Debt Collection Practices Act ( FDCPA ).\n\n2. **Transparency in Investigation : ** Under **15 U.S.C. 1681i ( a ) ( 2 ) **, I request detailed disclosure of how the information was verified, including the sources of verification, investigation procedures followed, and any supporting documentation used to verify the accuracy of the reported information.\n\n3. **Deletion of Inaccurate Information : ** Should your investigation reveal that the disputed accounts can not be verified with reliable documentation, I request their immediate deletion from my credit report in accordance with **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **.\n\n4. **Compliance with Metro 2 Guidelines : ** Ensure that all furnished data adheres to the Consumer Data Industry Associations ( CDIA ) Metro 2 format standards for reporting accuracy and compliance. \nIf these entities are unable to provide verifiable and legally substantiated proof of the debts reported, I expect the disputed accounts to be removed promptly to comply with federal regulations. Please provide a detailed written response within the 30-day timeframe prescribed under **15 U.S.C. 1681i ( a ) ( 1 ) **.\n\nFailure to comply with these federal requirements may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. \nThank you for your prompt attention to this matter. I look forward to receiving the requested documentation and a resolution in compliance with federal law. \nSincerely, XXXX XXXX Social Security XXXX","date_sent_to_company":"2025-01-25T01:22:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"11735110","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-25T01:11:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["**Subject : Formal Dispute and Demand for <em>Transparency</em> of <em>Investigation</em>.\n\nI am writing to formally dispute the accuracy of <em>information</em> <em>reported</em> by XXXX XXXX XXXX, XXXX XXXX, and XXXX on my <em>credit</em> <em>report</em> under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681 et seq. I have <em>identified</em> discrepancies in the <em>information</em> furnished by these entities and request a thorough and transparent <em>investigation</em> into their <em>reporting</em> practices."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.145153,"11735110"]},{"_index":"complaint-public-v1","_id":"12568455","_score":16.079853,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Sir/Madam, I am writing to formally dispute and request verification of certain items on my TransUnion credit report, as I have identified several discrepancies that I believe to be inaccurate. My personal information is as follows : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of BirthXXXX Under the provisions of the Fair Credit Reporting Act ( FCRA ) and related regulations, I am entitled to dispute information that I believe to be inaccurate or incomplete. Specifically : 12 CFR 1006.34 ( c ) : This regulation outlines the requirements for debt collectors to provide certain information about the debt to the consumer, ensuring transparency and accuracy. \n12 CFR 1006.6 ( c ) : This section addresses the communication practices of debt collectors, including obligations to cease communication upon request and to provide validation of debts. \n15 USC 1681e ( b ) : This statute mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\n15 USC 1681s-2 ( a ) : This section pertains to the responsibilities of furnishers of information to consumer reporting agencies, emphasizing the duty to provide accurate information and correct any known inaccuracies.\n\nIn accordance with these regulations, I request that TransUnion : 1. Investigate all items on credit report. \n2. Verify the accuracy and completeness of the information with the original creditors or furnishers. \n3. Provide me with a written statement detailing the results of your investigation for each disputed item.\n\n4. If any item can not be verified or is found to be inaccurate, promptly delete or correct the information in my credit report. \n\nPlease conduct this investigation within the legally required timeframe and inform me of the outcome. I appreciate your prompt attention to this matter and look forward to your response. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-19T16:50:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"12568455","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-19T16:41:09.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of <em>Inaccurate</em> <em>Information</em> in <em>Credit</em> <em>Report</em> Dear Sir/Madam, I am writing to formally dispute and request verification of certain items on my TransUnion <em>credit</em> <em>report</em>, as I have <em>identified</em> several discrepancies that I believe to be <em>inaccurate</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[16.079853,"12568455"]},{"_index":"complaint-public-v1","_id":"9732946","_score":16.03548,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute inaccurate information on my credit report as I am a victim of labor trafficking. The incorrect information on my report has caused significant harm to my financial well-being. \nI am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. \nBackground : On XX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. \nDetails of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).\n\n2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.\n\n3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.\n\nDesired Resolution : To resolve this matter, I request the following actions be taken by the CFPB : 1. Thorough Reinvestigation : Facilitate a thorough reinvestigation of the disputed information on my credit report by Experian Transunion, and Equifax. Ensure that all aspects of the dispute are comprehensively reviewed.\n\n2. Detailed Description of Verification Methods : Mandate that [ Credit Reporting Agency Name ] provides a detailed description of the verification methods used during their investigation. This should include : o Specific methods and procedures used to verify the disputed information.\n\no List of all sources, including creditors or data furnishers, consulted during the investigation.\n\no Documentation or evidence reviewed to support the verification of the disputed information.\n\no Explanation of how the accuracy of the information was verified and the criteria used for validation.\n\no Timeline of the investigation, including key dates and actions taken.\n\n3. Correction of Inaccuracies : Ensure that any inaccuracies identified during the reinvestigation are promptly corrected on my credit report. I seek confirmation that my credit report will reflect accurate and verified information without further delays.","date_sent_to_company":"2024-08-08T02:19:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"9732946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-08T02:19:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Dispute of <em>Inaccurate</em> <em>Information</em> on <em>Credit</em> <em>Report</em> and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute <em>inaccurate</em> <em>information</em> on my <em>credit</em> <em>report</em> as I am a victim of labor trafficking. The incorrect <em>information</em> on my <em>report</em> has caused significant harm to my financial well-being. \nI am writing to file a formal complaint regarding the handling of my <em>credit</em> <em>report</em> dispute by Experian XXXX, and XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.03548,"9732946"]},{"_index":"complaint-public-v1","_id":"11059572","_score":16.012358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding Inaccurate Reporting and Non-Compliance with FCRA For reference, the XXXX Bankruptcy XXXX XXXX XXXX number XXXX XXXX .I am filing a formal complaint regarding TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ) in accurately reporting information on my credit file. Despite my repeated efforts to address the issue directly with TransUnion, they have failed to provide adequate validation of a disputed account. \n\nOn XX/XX/year>, TransUnion stated that they investigated the information i disputed and the disputed information was VERIFIED AS ACCURATE. However, they failed to identify the specific company responsible for the certification. This raises concerns about the legitimacy of their verification process. \n\nSteps Taken to Resolve the Issue : Contact with the XXXX Bankruptcy XXXX XXXX XXXX I reached XXXX to the XXXX Bankruptcy Court-Texas XXXX XXXX which XXXX XXXX XXXX XXXX not report any information to credit bureaus. \n\nReview of PACER Records : I reviewed my PACER records and found inaccuracies related to the reported account. \nXXXX with XXXX : XXXX confirmed that they did not validate any information from the courts and subsequently deleted the disputed item from their records. \nDespite this, TransUnion continues to report the account on my credit file without providing clear documentation of validation or identifying who verified the information. \n\nViolations of the Fair Credit Reporting Act : TransUnions actions are in clear violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to : XXXX a proper reinvestigation of disputed information, Remove unverifiable information from the consumers credit file, and Provide transparency regarding the source of any validated information. \nXXXX response to my disputewithout clear evidence of verificationconstitutes either an error or a misrepresentation. Additionally, if they obtained the information independently, their reporting process does not meet the standards outlined in the FCRA. \n\nComplaint Request : I respectfully request that the CFPB investigate the following : How TransUnion verified the accuracy of the disputed account. \nWhether TransUnion can provide documentation identifying the company or entity responsible for certifying the accuracy of this information. \nWhy TransUnion continues to report this account despite the XXXX Bankruptcy XXXX and XXXX confirming they did not validate or report this information. \n\nThank you for your attention to this matter. I trust the CFPB will address this issue promptly to ensure compliance with federal regulations and protect consumer rights","date_sent_to_company":"2024-12-06T06:44:48.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"77345","tags":null,"has_narrative":true,"complaint_id":"11059572","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-06T06:22:32.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Violations of the Fair <em>Credit</em> <em>Reporting</em> Act : TransUnions actions are in clear violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires <em>credit</em> <em>reporting</em> agencies to : XXXX a proper reinvestigation of disputed <em>information</em>, Remove unverifiable <em>information</em> from the consumers <em>credit</em> file, and <em>Provide</em> <em>transparency</em> regarding the source of any validated <em>information</em>. \nXXXX response to my disputewithout clear evidence of verificationconstitutes either an error or a misrepresentation."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["Other personal consumer <em>report</em>"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Public record <em>information</em> <em>inaccurate</em>"]},"sort":[16.012358,"11059572"]},{"_index":"complaint-public-v1","_id":"9732963","_score":16.010578,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute inaccurate information on my credit report as I am a victim of labor trafficking. The incorrect information on my report has caused significant harm to my financial well-being. \nI am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. \nBackground : On XX/XX/2024, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. \nDetails of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).\n\n2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.\n\n3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements. \nDesired Resolution : To resolve this matter, I request the following actions be taken by the CFPB : XXXX. Thorough Reinvestigation : Facilitate a thorough reinvestigation of the disputed information on my credit report by XXXX Transunion, and XXXX. Ensure that all aspects of the dispute are comprehensively reviewed. \nXXXX. Detailed Description of Verification Methods : Mandate that [ Credit Reporting Agency Name ] provides a detailed description of the verification methods used during their investigation. This should include : o Specific methods and procedures used to verify the disputed information.\n\no List of all sources, including creditors or data furnishers, consulted during the investigation. \no Documentation or evidence reviewed to support the verification of the disputed information. \no Explanation of how the accuracy of the information was verified and the criteria used for validation.\n\no Timeline of the investigation, including key dates and actions taken.\n\n3. Correction of Inaccuracies : Ensure that any inaccuracies identified during the reinvestigation are promptly corrected on my credit report. I seek confirmation that my credit report will reflect accurate and verified information without further delays.","date_sent_to_company":"2024-08-08T02:19:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"9732963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-08T02:19:13.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Dispute of <em>Inaccurate</em> <em>Information</em> on <em>Credit</em> <em>Report</em> and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute <em>inaccurate</em> <em>information</em> on my <em>credit</em> <em>report</em> as I am a victim of labor trafficking. The incorrect <em>information</em> on my <em>report</em> has caused significant harm to my financial well-being. \nI am writing to file a formal complaint regarding the handling of my <em>credit</em> <em>report</em> dispute by XXXX Transunion, and XXXX."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.010578,"9732963"]},{"_index":"complaint-public-v1","_id":"9732920","_score":16.00701,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"3. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute inaccurate information on my credit report as I am a victim of labor trafficking. The incorrect information on my report has caused significant harm to my financial well-being. \nI am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. \nXXXX XXXX XXXX XXXX I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.\n\nDetails of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).\n\n2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. \n3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.\n\nDesired Resolution : To resolve this matter, I request the following actions be taken by the CFPB : 1. Thorough Reinvestigation : Facilitate a thorough reinvestigation of the disputed information on my credit report by XXXX XXXX, and Equifax. Ensure that all aspects of the dispute are comprehensively reviewed. \n2. Detailed Description of Verification Methods : Mandate that [ Credit Reporting Agency Name ] provides a detailed description of the verification methods used during their investigation. This should include : o Specific methods and procedures used to verify the disputed information. \no List of all sources, including creditors or data furnishers, consulted during the investigation. \no Documentation or evidence reviewed to support the verification of the disputed information.\n\no Explanation of how the accuracy of the information was verified and the criteria used for validation. \no Timeline of the investigation, including key dates and actions taken.\n\n3. Correction of Inaccuracies : Ensure that any inaccuracies identified during the reinvestigation are promptly corrected on my credit report. I seek confirmation that my credit report will reflect accurate and verified information without further delays.","date_sent_to_company":"2024-08-08T02:19:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"9732920","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-08T02:13:04.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Dispute of <em>Inaccurate</em> <em>Information</em> on <em>Credit</em> <em>Report</em> and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute <em>inaccurate</em> <em>information</em> on my <em>credit</em> <em>report</em> as I am a victim of labor trafficking. The incorrect <em>information</em> on my <em>report</em> has caused significant harm to my financial well-being. \nI am writing to file a formal complaint regarding the handling of my <em>credit</em> <em>report</em> dispute by XXXX XXXX, and Equifax."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[16.00701,"9732920"]},{"_index":"complaint-public-v1","_id":"14004161","_score":15.740294,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against DISCOVERC for furnishing inaccurate, incomplete, and deceptive information to the consumer reporting agencies in connection with an account reported under the name DISCOVERC and partial account number XXXX. \n\nViolations and Allegations : XXXX. Incomplete Account Reporting DISCOVERC is furnishing an account to the credit bureaus that lacks a complete and accurate account number. This makes it impossible for me, the consumer, to properly identify, investigate, or verify the validity of the account. By reporting an incomplete account number, DISCOVERC is violating its duty under the Fair Credit Reporting Act ( FCRA ) to furnish information that is accurate, complete, and capable of being verified. \nXXXX. Deceptive and Misleading Furnishing The information DISCOVERC has furnished is misleading and deceptive. The incomplete account data obstructs transparency and accountability and appears to be intentionally vague to avoid proper consumer challenges. This creates confusion and impairs my ability to exercise my rights under federal law. \nXXXX. Failure to Provide Legal Notice Under the Fair Debt Collection Practices Act ( FDCPA ) DISCOVERC also failed to provide legally required notices under the Fair Debt Collection Practices Act ( FDCPA ) before reporting this damaging information to the credit bureaus. As a result, I was not given the opportunity to dispute or validate the debt before adverse credit action was taken against me. \nXXXX Credit Damage Without Due Process By failing to provide proper notice or validation and by furnishing deceptive and incomplete information, DISCOVERC has unlawfully damaged my credit profile, causing me to suffer harm in the form of denied credit, higher interest rates, and emotional distress.","date_sent_to_company":"2025-06-10T07:00:28.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"14004161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-06-10T05:52:58.000Z","state":"GA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["This makes it impossible for me, the consumer, to properly <em>identify</em>, <em>investigate</em>, or verify the validity of the account. By <em>reporting</em> an incomplete account number, DISCOVERC is violating its duty under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) to furnish <em>information</em> that is accurate, complete, and capable of being verified. \nXXXX. Deceptive and Misleading Furnishing The <em>information</em> DISCOVERC has furnished is misleading and deceptive."],"sub_product":["<em>Credit</em> card debt"],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[15.740294,"14004161"]},{"_index":"complaint-public-v1","_id":"19536204","_score":15.6852865,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint regarding Citibank, N.A.s handling of my XXXX XXXX XXXX XXXX account, which was permanently closed following charge disputes, accompanied by the forfeiture of approximately {$1000.00} in earned rewards. \n\nCitibank alleges that I misrepresented the details on one or more disputes, yet has never identified which dispute ( s ) were allegedly misrepresented, what specific information was false, or provided any evidence supporting this conclusion. Despite repeated written requests, Citi has refused to provide factual specificity or documentation. \n\nXXXX own systems explicitly enable and encourage customers to dispute charges they believe may be incorrect, unauthorized, or unclear. A dispute, by definition, reflects uncertainty about a transaction at the time it is raised and exists precisely so the bank can investigate. Many of my disputes were reviewed by Citi and resolved in my favor, confirming they were legitimate and raised in good faith. \n\nPenalizing a customer for good-faith use of the dispute processwithout evidence of intent to deceivecreates a chilling effect on consumer rights and undermines the purpose of the dispute mechanism itself. Citi has relied solely on broad contractual language allowing account closure for any reason while avoiding transparency or proportionality in applying this severe penalty. \n\nThe consequences imposed were disproportionate : permanent account closure without prior notice, no opportunity to respond, and forfeiture of earned rewards accumulated through legitimate spending. This occurred despite my long-standing, responsible account history and timely payments. \n\nI am requesting that Citibank : a ) Provide a clear, evidence-based explanation identifying the specific dispute ( s ) and alleged misrepresentation ; b ) Explain how it distinguishes good-faith disputes from intentional misrepresentation and how that standard was applied in my case ; c ) Review whether permanently closing my account and forfeiting earned rewards was proportionate ; d ) Restore my earned rewards or provide equivalent monetary compensation ; and e ) Confirm that no inaccurate or adverse information has been reported to credit bureaus.\n\nCitibanks refusal to provide transparency or evidence raises serious concerns regarding fairness, accountability, and consumer protection.","date_sent_to_company":"2026-02-16T20:30:07.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"19536204","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-02-16T20:20:23.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["<em>information</em> has been <em>reported</em> to <em>credit</em> bureaus."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.6852865,"19536204"]},{"_index":"complaint-public-v1","_id":"19282398","_score":15.619674,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding Citis handling of multiple credit-card disputes involving transactions processed by offshore merchants engaged in illegal and unlicensed online gambling activity. These transactions were misclassified by Citi as ordinary consumer purchases, concealing their true nature and materially interfering with accurate account monitoring, detection, and dispute resolution.\n\nThe disputed charges were unauthorized because they were illegal and materially misrepresented. Any purported authorization was conditioned on the belief that the transactions were lawful consumer purchases. Transactions arising from illegal gambling activity are void and unenforceable, and authorization obtained through misrepresentation or inaccurate merchant classification is not valid. \n\nDespite receiving notice of these issues, Citi conducted procedurally defective dispute investigations. Citi internally marked multiple disputes as resolved customer responsible with no credit issued, yet failed to provide written notice of these determinations, failed to explain the basis for denial, and failed to provide notice of my rights as required under the Fair Credit Billing Act and Regulation Z. I discovered the adverse determinations only by locating them within Citis mobile application, not through any mailed correspondence, secure message, or other formal notice.\n\nCitis actions indicate that adverse determinations were reached internally without proper consumer notification and without a reasonable or complete investigation. The resolutions fail to address the legality of the underlying transactions, instead defaulting to enforcement based on inaccurate merchant classifications. By treating illegal, misclassified gambling transactions as legitimate consumer purchases, Citi denied relief without meaningfully evaluating the substance of the dispute. \n\nThese deficiencies reflect broader failures in Citis dispute-handling process, including silent denials, lack of transparency, and reliance on misclassification rather than factual and legal analysis. Such practices undermine consumer protections and constitute unfair and deceptive conduct. \n\nTo ensure transparency and allow meaningful review, I further request that Citi identify and provide the records relied upon in reaching its dispute determinations, including : The date each dispute investigation was opened and closed Any merchant responses, chargeback documentation, or third-party reports relied upon Any internal classifications, decision codes, or notes reflecting why the disputes were marked customer responsible The date and method by which Citi contends notice of any adverse determinations was provided Any such records should be produced without redaction, except for limited redaction of non-substantive personal identifying information, so that the basis and completeness of Citis investigation can be independently evaluated. Redaction of decision rationales, investigative steps, merchant representations, or classification data would render the disclosure incomplete and non-responsive. \nAbsent production of these unredacted records, Citis investigation can not be considered reasonable or complete.\n\nI respectfully request review and corrective action by the Consumer Financial Protection Bureau, including reversal of all disputed charges, correction of any adverse account impacts, and remediation of Citis dispute-handling practices to ensure compliance with federal consumer-protection requirements.","date_sent_to_company":"2026-02-05T19:57:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"721XX","tags":null,"has_narrative":true,"complaint_id":"19282398","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-02-05T19:51:53.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["To ensure <em>transparency</em> and allow meaningful review, I further request that Citi <em>identify</em> and <em>provide</em> the records relied upon in reaching its dispute determinations, including : The date each dispute <em>investigation</em> was opened and closed Any merchant responses, chargeback documentation, or third-party <em>reports</em> relied upon Any internal classifications, decision codes, or notes reflecting why the disputes were marked customer responsible The date and method by which Citi contends notice of any adverse"],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute about a purchase on your statement"]},"sort":[15.619674,"19282398"]},{"_index":"complaint-public-v1","_id":"12820551","_score":15.591007,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information appearing on my credit report related to a charge-off from Discover Bank . The account in question is being reported as written off ; however, there are multiple issues with this listing that must be addressed and corrected immediately. \n\nFirst and foremost, I believe my personal information may have been compromised as part of an online data breach. This raises serious concerns about the validity and origin of the debt in question. My Social Security number and other identifying details were exposed, and it is possible this account activity is the result of identity theft or fraudulent use of my information. \n\nIn addition, although the account is marked as a charge-off and written off by Discover Bank, I have not received a 1099-C form, which is required by the IRS when a debt is canceled. I have made multiple requests to Discover Bank for this form, but to date, I have not received any response or documentation. This lack of transparency and documentation further supports my position that the reporting of this account is inaccurate and potentially unlawful. \n\nGiven the unresolved inconsistencies, the potential for fraudulent activity, and the absence of required tax documentation, I am requesting that this charge-off be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act ( FCRA ), I ask that you investigate this matter promptly and provide written confirmation of the results of your investigation. \n\nPlease correct or delete the erroneous information as soon as possible and send me an updated copy of my credit report. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-04-04T09:25:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30312","tags":null,"has_narrative":true,"complaint_id":"12820551","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-04-04T09:23:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In accordance with the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), I ask that you <em>investigate</em> this matter promptly and <em>provide</em> written confirmation of the results of your <em>investigation</em>. \n\nPlease correct or delete the erroneous <em>information</em> as soon as possible and send me an updated copy of my <em>credit</em> <em>report</em>. \n\nThank you for your prompt attention to this matter."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[15.591007,"12820551"]},{"_index":"complaint-public-v1","_id":"9727571","_score":15.450671,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute inaccurate information on my credit report as I am a victim of XXXX XXXX  The incorrect information on my report has caused significant harm to my financial well-being. \nI am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. \nBackground : On XX/XX/2024, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.\n\nDetails of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).\n\n2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. \n3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.\n\nDesired Resolution : To resolve this matter, I request the following actions be taken by the CFPB : 1. Thorough Reinvestigation : Facilitate a thorough reinvestigation of the disputed information on my credit report by [ Credit Reporting Agency Name ]. Ensure that all aspects of the dispute are comprehensively reviewed. \n2. Detailed Description of Verification Methods : Mandate that [ Credit Reporting Agency Name ] provides a detailed description of the verification methods used during their investigation. This should include : o Specific methods and procedures used to verify the disputed information. \no List of all sources, including creditors or data furnishers, consulted during the investigation. \no Documentation or evidence reviewed to support the verification of the disputed information.\n\no Explanation of how the accuracy of the information was verified and the criteria used for validation. \no Timeline of the investigation, including key dates and actions taken.\n\n3. Correction of Inaccuracies : Ensure that any inaccuracies identified during the reinvestigation are promptly corrected on my credit report. I seek confirmation that my credit report will reflect accurate and verified information without further delays.","date_sent_to_company":"2024-08-07T02:15:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"9727571","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-07T02:07:30.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Dispute of <em>Inaccurate</em> <em>Information</em> on <em>Credit</em> <em>Report</em> and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute <em>inaccurate</em> <em>information</em> on my <em>credit</em> <em>report</em> as I am a victim of XXXX XXXX  The incorrect <em>information</em> on my <em>report</em> has caused significant harm to my financial well-being. \nI am writing to file a formal complaint regarding the handling of my <em>credit</em> <em>report</em> dispute by XXXX XXXX, and Equifax."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[15.450671,"9727571"]},{"_index":"complaint-public-v1","_id":"14004268","_score":15.264614,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against Capital One Bank ( XXXX ), XXXX. for furnishing inaccurate, incomplete, and deceptive information to the consumer reporting agencies in connection with an account reported under the name CAPITAL ONE and partial account number XXXX. \n\nViolations and Allegations : XXXX. Incomplete Account Reporting Capital One is furnishing an account to the credit bureaus that lacks a complete and accurate account number. This makes it impossible for me, the consumer, to properly identify, investigate, or verify the validity of the account. By reporting an incomplete account number, Capital One is violating its duty under the Fair Credit Reporting Act ( FCRA ) to furnish information that is accurate, complete, and capable of being verified. \nXXXX. Deceptive and Misleading Furnishing The information Capital One has furnished is misleading and deceptive. The incomplete account data obstructs transparency and accountability and appears to be intentionally vague to avoid proper consumer challenges. This creates confusion and impairs my ability to exercise my rights under federal law. \nXXXX. Failure to Provide Legal Notice Under the Fair Debt Collection Practices Act ( FDCPA ) Capital One also failed to provide legally required notices under the Fair Debt Collection Practices Act ( FDCPA ) before reporting this damaging information to the credit bureaus. As a result, I was not given the opportunity to dispute or validate the debt before adverse credit action was taken against me. \nXXXX Credit Damage Without Due Process By failing to provide proper notice or validation and by furnishing deceptive and incomplete information, Capital One has unlawfully damaged my credit profile, causing me to suffer harm in the form of denied credit, higher interest rates, and emotional distress.","date_sent_to_company":"2025-06-10T05:43:06.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"14004268","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-10T05:37:48.000Z","state":"GA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["This makes it impossible for me, the consumer, to properly <em>identify</em>, <em>investigate</em>, or verify the validity of the account. By <em>reporting</em> an incomplete account number, Capital One is violating its duty under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) to furnish <em>information</em> that is accurate, complete, and capable of being verified. \nXXXX. Deceptive and Misleading Furnishing The <em>information</em> Capital One has furnished is misleading and deceptive."],"sub_product":["<em>Credit</em> card debt"],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[15.264614,"14004268"]},{"_index":"complaint-public-v1","_id":"13276428","_score":15.120935,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian for failing to conduct a reasonable investigation and comply with the Fair Credit Reporting Act ( FCRA ). On On XXXX XXXX XXXX I sent Experian a certified dispute letter with all supporting documentation, which was received and signed for on XXXX XXXX XXXX In my certified dispute, I challenged the accuracy and validity of the following accounts, which are inaccurate, unverifiable, or do not belong to me : XXXX XXXX Account #  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX I enclosed all required documents, including : Government-issued ID ( ID & SS card ) Proof of address ( utility bill ) A written letter explaining my dispute in detail Experian later sent me a generic email stating that my documents were insufficient, but did not specify what was missing or how they reached that determination. Their response ignored the fact that I had already submitted all required documentation. No formal investigation results, verification, or removal of the accounts occurred. \n\nAdditionally, Experian failed to update the original CFPB portal with their response, which falsely shows they are still working on my case. This lack of transparency is concerning and misleading. \n\nThis is a willful violation of FCRA Section 611 ( 15 U.S.C. 1681i ). Experian has failed to : Conduct a proper investigation Provide a description of the investigation process Identify who verified the information Notify me of the results within the required timeframe The continued reporting of these inaccurate accounts has caused me : Emotional distress ( anxiety, stress, and sleep loss ) Denials for credit and housing Excessively high interest rates due to inaccurate credit data","date_sent_to_company":"2025-05-01T14:58:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30241","tags":null,"has_narrative":true,"complaint_id":"13276428","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-01T14:26:19.000Z","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":["Experian has failed to : Conduct a proper <em>investigation</em> <em>Provide</em> a description of the <em>investigation</em> process <em>Identify</em> who verified the <em>information</em> Notify me of the results within the required timeframe The continued <em>reporting</em> of these <em>inaccurate</em> accounts has caused me : Emotional distress ( anxiety, stress, and sleep loss ) Denials for <em>credit</em> and housing Excessively high interest rates due to <em>inaccurate</em> <em>credit</em> data"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[15.120935,"13276428"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":634,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":634}]}},"product":{"doc_count":634,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":538,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":534},{"key":"Other personal consumer report","doc_count":4}]}},{"key":"Debt collection","doc_count":38,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":33},{"key":"Credit card debt","doc_count":4},{"key":"Rental debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":33,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":32},{"key":"Credit repair services","doc_count":1}]}},{"key":"Credit card","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":11}]}},{"key":"Vehicle loan or lease","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":5}]}},{"key":"Mortgage","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":2},{"key":"FHA mortgage","doc_count":1},{"key":"VA mortgage","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"International money transfer","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":634,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":274,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":189},{"key":"Account information incorrect","doc_count":53},{"key":"Account status incorrect","doc_count":21},{"key":"Information is missing that should be on the report","doc_count":4},{"key":"Old information reappears or never goes away","doc_count":3},{"key":"Public record information inaccurate","doc_count":3},{"key":"Personal information incorrect","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":177,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":114},{"key":"Investigation took more than 30 days","doc_count":44},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":10},{"key":"Was not notified of investigation status or results","doc_count":6},{"key":"Problem with personal statement of dispute","doc_count":3}]}},{"key":"Improper use of your report","doc_count":90,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":88},{"key":"Credit inquiries on your report that you don't recognize","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":33,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":30},{"key":"Debt was result of identity theft","doc_count":3}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":19,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":15},{"key":"Their investigation did not fix an error on your report","doc_count":4}]}},{"key":"Problem with a purchase shown on your statement","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":5}]}},{"key":"Unable to get your credit report or credit score","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting your free annual credit report","doc_count":5}]}},{"key":"Fees or interest","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":2},{"key":"Problem with fees","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1},{"key":"Loan sold or transferred to another company","doc_count":1},{"key":"Problem with fees charged","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Investigation took more than 30 days","doc_count":3}]}},{"key":"Took or threatened to take negative or legal action","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or suggested your credit would be damaged","doc_count":2},{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":1}]}},{"key":"Closing your account","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":2}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":2}]}},{"key":"False statements or representation","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":2}]}},{"key":"Other features, terms, or problems","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Privacy issues","doc_count":2}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Repossession","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":1},{"key":"Voluntary repossession","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":1},{"key":"Private mortgage insurance (PMI)","doc_count":1}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue with the application process","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unexpected or other fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":634,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":633},{"key":"No","doc_count":1}]}},"company_response":{"doc_count":634,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":315},{"key":"Closed with non-monetary relief","doc_count":315},{"key":"Closed with monetary relief","doc_count":4}]}},"submitted_via":{"doc_count":634,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":634}]}},"company":{"doc_count":634,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":229},{"key":"EQUIFAX, INC.","doc_count":152},{"key":"Experian Information Solutions Inc.","doc_count":152},{"key":"CBC Companies, Inc.","doc_count":9},{"key":"LEXISNEXIS","doc_count":7},{"key":"Bread Financial Holdings, Inc.","doc_count":4},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":4},{"key":"CITIBANK, N.A.","doc_count":4},{"key":"CLGF Holdco 1, LLC","doc_count":3},{"key":"DISCOVER BANK","doc_count":3},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":3},{"key":"Resurgent Capital Services L.P.","doc_count":3},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":3},{"key":"WELLS FARGO & COMPANY","doc_count":3},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":2},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":2},{"key":"HW Holding, Inc","doc_count":2},{"key":"Kikoff Inc.","doc_count":2},{"key":"U.S. BANCORP","doc_count":2},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":2},{"key":"AES/PHEAA","doc_count":1},{"key":"ALLY FINANCIAL INC.","doc_count":1},{"key":"Aargon Agency, Inc.","doc_count":1},{"key":"Advanced Resolution Services Inc.","doc_count":1},{"key":"Affirm Holdings, Inc","doc_count":1},{"key":"Auto Credit of Virginia Inc.","doc_count":1},{"key":"Bridgecrest Acceptance Corporation","doc_count":1},{"key":"Bull City Financial Solutions, Inc","doc_count":1},{"key":"CAINE & WEINER COMPANY, INC.","doc_count":1},{"key":"CHERRY TECHNOLOGIES INC.","doc_count":1},{"key":"CL Holdings LLC","doc_count":1},{"key":"CORELOGIC INC","doc_count":1},{"key":"Comerica","doc_count":1},{"key":"Dovenmuehle Mortgage, Inc.","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"EdFinancial Services","doc_count":1},{"key":"FC HoldCo LLC","doc_count":1},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"HYUNDAI CAPITAL AMERICA","doc_count":1},{"key":"IQOR US INC","doc_count":1},{"key":"International Computer Systems, Inc.","doc_count":1},{"key":"January Technologies, Inc","doc_count":1},{"key":"MIDFIRST BANK","doc_count":1},{"key":"MOHELA","doc_count":1},{"key":"National Credit Systems,Inc.","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"Opportunity Financial, LLC","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"Radius Global Solutions LLC","doc_count":1},{"key":"RentDebt Automated Collections, LLC","doc_count":1},{"key":"Rocket Mortgage, LLC","doc_count":1},{"key":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","doc_count":1},{"key":"SYNCHRONY FINANCIAL","doc_count":1},{"key":"Self Financial Inc.","doc_count":1},{"key":"Splash Financial, Inc.","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"TFS FINANCIAL CORPORATION","doc_count":1},{"key":"United Shore Financial Services, LLC","doc_count":1},{"key":"Upstart Holdings, Inc.","doc_count":1},{"key":"Westlake Services, LLC","doc_count":1},{"key":"White Jacobs & Associates","doc_count":1}]}},"state":{"doc_count":634,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"MI","doc_count":100},{"key":"GA","doc_count":68},{"key":"FL","doc_count":61},{"key":"CA","doc_count":58},{"key":"TX","doc_count":52},{"key":"VA","doc_count":46},{"key":"MO","doc_count":42},{"key":"LA","doc_count":25},{"key":"MD","doc_count":24},{"key":"NJ","doc_count":24},{"key":"NY","doc_count":18},{"key":"NV","doc_count":13},{"key":"IL","doc_count":12},{"key":"PA","doc_count":12},{"key":"AZ","doc_count":10},{"key":"OH","doc_count":10},{"key":"NC","doc_count":9},{"key":"IN","doc_count":7},{"key":"MN","doc_count":7},{"key":"AL","doc_count":5},{"key":"SC","doc_count":5},{"key":"WA","doc_count":4},{"key":"DC","doc_count":3},{"key":"NM","doc_count":3},{"key":"AR","doc_count":2},{"key":"DE","doc_count":2},{"key":"KY","doc_count":2},{"key":"MA","doc_count":2},{"key":"TN","doc_count":2},{"key":"WI","doc_count":2},{"key":"CO","doc_count":1},{"key":"CT","doc_count":1},{"key":"MS","doc_count":1}]}},"company_public_response":{"doc_count":634,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":400},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":8},{"key":"Company believes the complaint provided an opportunity to answer consumer's questions","doc_count":1}]}},"tags":{"doc_count":634,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American, Servicemember","doc_count":39},{"key":"Servicemember","doc_count":34},{"key":"Older American","doc_count":4}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[15.121321,"13276428"],"3":[14.207059,"9998004"],"4":[13.754881,"11515387"],"5":[13.110414,"14327599"],"6":[12.593018,"11173377"],"7":[12.30334,"11633103"],"8":[11.98024,"17210499"]}}}