{"took":609,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":687,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19056478","_score":24.065914,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding unresolved fraudulent charges and improper collections activity on my AXXXX XXXX XXXX XXXX XXXX  account. \n\nI have an active FCC complaint against XXXX XXXX XXXX for account compromise, unauthorized devices and lines, and security failures. Despite this, XXXX XXXX XXXX continues to bill me for a fraudulent smartwatch line ( XXXX XXXX ) that I did not order, did not receive, and previously reported as fraud. My billing records show reversed credits and continued monthly charges with XXXX usage. \n\nAdditionally, while this dispute remains open, I received collections notices from Credence Resource Management related to disputed XXXX XXXX XXXX internet charges. Collections activity should not be occurring during an active fraud dispute and FCC investigation. \n\nXXXX XXXX XXXX has failed to provide timely written responses, failed to correct billing errors, and failed to halt collections activity. I am requesting that XXXX XXXX XXXX : Permanently remove all fraudulent device and service charges Issue full credits back to the original fraud dates Cease all collections activity related to disputed charges Provide a written explanation for reversed credits Confirm my account is protected from further billing enforcement while disputes are under review I am not refusing to pay valid charges. I am disputing fraudulent charges and improper collections while XXXX XXXX XXXX investigates account compromise. \n\nI am requesting CFPB assistance in obtaining a written, substantive response and billing correction from XXXX XXXX XXXX.","date_sent_to_company":"2026-01-28T00:51:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"630XX","tags":null,"has_narrative":true,"complaint_id":"19056478","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2026-01-28T00:21:49.000Z","state":"MO","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am requesting that XXXX XXXX XXXX : Permanently <em>remove</em> all <em>fraudulent</em> device and service <em>charges</em> Issue full credits back to the original fraud dates <em>Cease</em> all <em>collections</em> <em>activity</em> related to disputed <em>charges</em> Provide a written explanation for reversed credits Confirm my <em>account</em> is protected from further billing enforcement while disputes are under review I am not refusing to pay valid <em>charges</em>."],"product":["Debt <em>collection</em>"]},"sort":[24.065914,"19056478"]},{"_index":"complaint-public-v1","_id":"13493695","_score":23.736958,"_source":{"product":"Debt collection","complaint_what_happened":"I am the victim of identity theft and have submitted a police report and an FTC Identity Theft Report to LVNV Funding. Despite this, they continue to report a fraudulent debt on my credit report and have failed to remove it, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). \n\nI never opened this account and did not authorize any charges related to it. I have provided more than sufficient documentation to prove the account is fraudulent, yet the company has not corrected their reporting or ceased collection efforts. \n\nI am requesting that the CFPB investigate this matter and ensure the debt collector removes this account from my credit reports and ceases all collection activity. \n\nAttached : FTC Identity Theft Report Police report Communication history","date_sent_to_company":"2025-05-13T21:00:39.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"17602","tags":null,"has_narrative":true,"complaint_id":"13493695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-05-13T20:39:06.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB <em>investigate</em> this matter and ensure the debt collector <em>removes</em> this <em>account</em> from my credit reports and <em>ceases</em> all <em>collection</em> <em>activity</em>. \n\nAttached : FTC Identity Theft Report Police report Communication history"],"product":["Debt <em>collection</em>"]},"sort":[23.736958,"13493695"]},{"_index":"complaint-public-v1","_id":"3616499","_score":22.491064,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian included a fraudulent account ( and my nonpayment of its charges ) on my credit report. I identified the account as fraudulent, took the necessary steps for it to be investigated, and obtained confirmation from XXXX Fraud Management that the account ( XXXX ) was opened fraudulently and that they have cancelled the fraudulent account, removed their credit inquiry and ceased collections activity. Experian has this information but continues to show the fraudulent account in my credit report, refuses to recalculate my credit score, and provides no means of correcting the record. When one chooses Identity Theft in the website interface as a reason for dispute, the website process stops and the site visitor is directed to call XXXX to report the fraudulent charges, but the IVR at that number provides no relevant options for doing so, and no \" Operator '' option to submit correction requests to a person.","date_sent_to_company":"2020-04-21T11:05:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"074XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3616499","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-04-21T10:47:53.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Experian included a <em>fraudulent</em> <em>account</em> ( and my nonpayment of its <em>charges</em> ) on my credit report. I identified the <em>account</em> as <em>fraudulent</em>, took the necessary steps for it to be <em>investigated</em>, and obtained confirmation from XXXX Fraud Management that the <em>account</em> ( XXXX ) was opened <em>fraudulently</em> and that they have cancelled the <em>fraudulent</em> <em>account</em>, <em>removed</em> their credit inquiry and <em>ceased</em> <em>collections</em> <em>activity</em>."]},"sort":[22.491064,"3616499"]},{"_index":"complaint-public-v1","_id":"14832862","_score":22.371645,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Final Notice Cease and Desist Demand Regarding Fraudulent Account Ending in XXXX This complaint service as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) that Bank of America immediately cease all communications with me regarding account ending in XXXX, as well as any. I am the victim of identity theft and fraudulent charges associated with this account. I have repeatedly informed Bank of America that : The charges are not mine and were the result of unauthorized activity. \nI have submitted a police report, an FTC Identity Theft Report, and supporting documentation confirming the fraud. \nI have made multiple phone calls, sent emails, and filed three separate complaints through the Consumer Financial Protection Bureau ( CFPB ) portal.\n\nDespite this, I continue to receive harassing emails and letters, most recently on XX/XX/year>, attempting to collect on a fraudulent and disputed debt. \n\nThis repeated communication is in violation of the FDCPA ( 15 U.S.C. 1692c ( c ) ), which gives me the right to request that a creditor or collector cease contact after a written demand. Additionally, failure to accurately report or investigate this fraudulent account may constitute a violation of the FCRA.\n\nI am formally demanding the following : 1. Cease all communication with me regarding this account immediately.\n\n2. Cease any collection activities and remove this account from any internal or external collection efforts.\n\n3. Provide written confirmation that the matter is closed and that no further action will be taken.\n\n4. If this account is being reported to any credit reporting agency, it must be deleted immediately under FCRA 1681s-2. \n\nIf you continue to contact me or pursue this fraudulent debt, I will be forced to take legal action, including but not limited to reporting this matter to the Federal Trade Commission, the CFPB, and pursuing damages in accordance with federal law. \n\nLet this letter serve as final notice. Failure to comply will result in immediate escalation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-23T22:11:59.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"14832862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-23T21:54:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["<em>Cease</em> all communication with me regarding this <em>account</em> immediately.\n\n2. <em>Cease</em> any <em>collection</em> <em>activities</em> and <em>remove</em> this <em>account</em> from any internal or external <em>collection</em> efforts.\n\n3. Provide written confirmation that the matter is closed and that no further action will be taken.\n\n4. If this <em>account</em> is being reported to any credit reporting agency, it must be deleted immediately under FCRA 1681s-2."],"product":["Debt <em>collection</em>"]},"sort":[22.371645,"14832862"]},{"_index":"complaint-public-v1","_id":"17334039","_score":22.24103,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/year> RE : NOTICE TO CEASE AND DESIST UNAUTHORIZED ACTIVITY, IMPROPER BILLING, AND UNLAWFUL ENRICHMENT To Whom It May Concern : This letter serves as a formal Cease and Desist Notice regarding your organizations involvement in the unauthorized use, reporting, billing, or collection of services connected to XXXX XXXX XXXX ( XXXX ) and other retail shipping activities, purportedly occurring in or around XXXX, Georgia. \n\nThese activities were not authorized by me, were performed without my knowledge or consent, and constitute theft of services and unjust/unlawful enrichment at my expense. I dispute any and all charges, accounts, records, or service obligations you or your affiliates claim I owe relating to these shipping transactions. \n\nXXXX. VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) If your company has furnished, reported, or communicated any information regarding these disputed charges to one or more consumer reporting agencies, please take notice of the following : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to : a. Cease Reporting Inaccurate Information You must immediately stop furnishing any inaccurate, incomplete, fraudulent, or unverified information to any consumer reporting agency.\n\nb. Conduct a Reasonable Redress Any failure to properly investigate or correct inaccurate information constitutes a violation of federal law. Upon receipt of this notice, you are obligated to conduct a full investigation.\n\nc. Remove Any Fraudulent or Unverified Account Information If you can not fully verify the legitimacy of the charges or service records, you must delete and permanently cease reporting them.\n\nFailure to comply may result in civil liability under 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages, punitive damages, and attorneys fees.\n\n2. CEASE AND DESIST COLLECTION & CONTACT You are hereby instructed to immediately cease and desist from : Attempting to collect any alleged debt related to these shipping or parcel service activities Communicating with me about any disputed accounts, except as permitted by law Selling, transferring, assigning, or sharing the disputed account with any third party Reporting or re-reporting the disputed information to any credit bureau Any further collection attempts will be documented as evidence of continued misconduct.\n\n3. FRAUDULENT ACTIVITY & UNLAWFUL ENRICHMENT The unauthorized use of shipping services, billing of unapproved transactions, and the attempt to charge me for services I did not request constitutes : Theft of services Fraudulent billing Unjust and unlawful enrichment Violations of state and federal fraud statutes I demand the immediate suspension and removal of all related account activity.\n\n4. REQUIRED RESPONSE Within 15 days of receiving this notice, please provide : 1. Written confirmation that you have ceased all reporting and collection efforts 2. Documentation demonstrating complete deletion of any related trade lines or entries from any consumer report 3. Verification and explanation of any record your organization claims establishes an obligation, including : Signed contracts Shipping documents Proof of authorization Any billing history 4. A full accounting of all entities with whom you have shared this disputed information 5. RESERVATION OF RIGHTS Nothing in this letter shall be construed as a waiver of any of my rights or remedies under federal or state law. I reserve the right to pursue : Regulatory complaints Civil action Claims for damages Attorneys fees if you fail to comply.\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-18T16:18:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"770XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17334039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-18T15:56:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Remove</em> Any <em>Fraudulent</em> or Unverified <em>Account</em> Information If you can not fully verify the legitimacy of the <em>charges</em> or service records, you must delete and permanently <em>cease</em> reporting them.\n\nFailure to comply may result in civil liability under 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages, punitive damages, and attorneys fees.\n\n2."]},"sort":[22.24103,"17334039"]},{"_index":"complaint-public-v1","_id":"17334599","_score":22.237324,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/year> RE : NOTICE TO CEASE AND DESIST UNAUTHORIZED ACTIVITY, IMPROPER BILLING, AND UNLAWFUL ENRICHMENT To Whom It May Concern : This letter serves as a formal Cease and Desist Notice regarding your organizations involvement in the unauthorized use, reporting, billing, or collection of services connected to XXXX XXXX XXXX ( XXXX ) and other retail shipping activities, purportedly occurring in or around XXXX, Georgia. \n\nThese activities were not authorized by me, were performed without my knowledge or consent, and constitute theft of services and unjust/unlawful enrichment at my expense. I dispute any and all charges, accounts, records, or service obligations you or your affiliates claim I owe relating to these shipping transactions. \n\nXXXX. VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) If your company has furnished, reported, or communicated any information regarding these disputed charges to one or more consumer reporting agencies, please take notice of the following : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to : a. Cease Reporting Inaccurate Information You must immediately stop furnishing any inaccurate, incomplete, fraudulent, or unverified information to any consumer reporting agency.\n\nb. Conduct a Reasonable Redress Any failure to properly investigate or correct inaccurate information constitutes a violation of federal law. Upon receipt of this notice, you are obligated to conduct a full investigation.\n\nc. Remove Any Fraudulent or Unverified Account Information If you can not fully verify the legitimacy of the charges or service records, you must delete and permanently cease reporting them.\n\nFailure to comply may result in civil liability under 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages, punitive damages, and attorneys fees.\n\n2. CEASE AND DESIST COLLECTION & CONTACT You are hereby instructed to immediately cease and desist from : Attempting to collect any alleged debt related to these shipping or parcel service activities Communicating with me about any disputed accounts, except as permitted by law Selling, transferring, assigning, or sharing the disputed account with any third party Reporting or re-reporting the disputed information to any credit bureau Any further collection attempts will be documented as evidence of continued misconduct.\n\n3. FRAUDULENT ACTIVITY & UNLAWFUL ENRICHMENT The unauthorized use of shipping services, billing of unapproved transactions, and the attempt to charge me for services I did not request constitutes : Theft of services Fraudulent billing Unjust and unlawful enrichment Violations of state and federal fraud statutes I demand the immediate suspension and removal of all related account activity.\n\n4. REQUIRED RESPONSE Within 15 days of receiving this notice, please provide : 1. Written confirmation that you have ceased all reporting and collection efforts 2. Documentation demonstrating complete deletion of any related trade lines or entries from any consumer report 3. Verification and explanation of any record your organization claims establishes an obligation, including : Signed contracts Shipping documents Proof of authorization Any billing history 4. A full accounting of all entities with whom you have shared this disputed information 5. RESERVATION OF RIGHTS Nothing in this letter shall be construed as a waiver of any of my rights or remedies under federal or state law. I reserve the right to pursue : Regulatory complaints Civil action Claims for damages Attorneys fees if you fail to comply.\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-18T16:18:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"770XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17334599","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-18T16:18:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Remove</em> Any <em>Fraudulent</em> or Unverified <em>Account</em> Information If you can not fully verify the legitimacy of the <em>charges</em> or service records, you must delete and permanently <em>cease</em> reporting them.\n\nFailure to comply may result in civil liability under 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages, punitive damages, and attorneys fees.\n\n2."]},"sort":[22.237324,"17334599"]},{"_index":"complaint-public-v1","_id":"14833050","_score":21.94402,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Final Notice Cease and Desist Demand Regarding Fraudulent Account Ending in XXXX This complaint service as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) that XXXX XXXX XXXX immediately cease all communications with me regarding account ending in XXXX, as well as any. I am the victim of identity theft and fraudulent charges associated with this account. I have repeatedly informed XXXX XXXX XXXXXXXX that : The charges are not mine and were the result of unauthorized activity. \nI have submitted a police report, an FTC Identity Theft Report, and supporting documentation confirming the fraud. \nI have made multiple phone calls, sent emails, and filed three separate complaints through the Consumer Financial Protection Bureau ( CFPB ) portal. \nDespite this, I continue to receive harassing emails and letters, most recently on XXXX XXXX XXXX, attempting to collect on a fraudulent and disputed debt. \n\nThis repeated communication is in violation of the FDCPA ( 15 U.S.C. 1692c ( c ) ), which gives me the right to request that a creditor or collector cease contact after a written demand. Additionally, failure to accurately report or investigate this fraudulent account may constitute a violation of the FCRA. \n\nI am formally demanding the following : 1. Cease all communication with me regarding this account immediately.\n\n2. Cease any collection activities and remove this account from any internal or external collection efforts.\n\n3. Provide written confirmation that the matter is closed and that no further action will be taken.\n\n4. If this account is being reported to any credit reporting agency, it must be deleted immediately under FCRA 1681s-2. \n\nIf you continue to contact me or pursue this fraudulent debt, I will be forced to take legal action, including but not limited to reporting this matter to the Federal Trade Commission, the CFPB, and pursuing damages in accordance with federal law. \n\nLet this letter serve as final notice. Failure to comply will result in immediate escalation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-23T22:11:59.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"14833050","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-23T22:11:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["<em>Cease</em> all communication with me regarding this <em>account</em> immediately.\n\n2. <em>Cease</em> any <em>collection</em> <em>activities</em> and <em>remove</em> this <em>account</em> from any internal or external <em>collection</em> efforts.\n\n3. Provide written confirmation that the matter is closed and that no further action will be taken.\n\n4. If this <em>account</em> is being reported to any credit reporting agency, it must be deleted immediately under FCRA 1681s-2."],"product":["Debt <em>collection</em>"]},"sort":[21.94402,"14833050"]},{"_index":"complaint-public-v1","_id":"12418116","_score":21.732729,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Urgent Dispute of Fraudulent Account Immediate Action Required Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has been opened in my name with your company. I have discovered this fraudulent activity, and I demand immediate action on your part to resolve this matter. \n\nThe account in question is DISCOVER BANK account number : XXXX with a balance amounting {$8700.00} and opened dated : XX/XX/year>, and I have no knowledge or involvement in the creation or usage of this account. This account was opened without my authorization, and I consider this to be a clear case of identity theft. \n\nI insist that you take the following actions immediately : Close the fraudulent account and permanently remove any associated charges. \nProvide written confirmation that the account has been closed and all charges removed. \nCease any further collection efforts related to this fraudulent account. \nProvide a detailed investigation report of how this fraudulent account was opened and why proper verification processes failed. \nNotify all credit bureaus of the fraudulent nature of this account and ensure that no negative marks are placed on my credit report. \nI expect you to take swift and decisive action. This fraudulent activity has already caused significant distress, and I will not hesitate to pursue legal action should you fail to resolve this matter within 15 days","date_sent_to_company":"2025-03-11T22:46:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"89015","tags":null,"has_narrative":true,"complaint_id":"12418116","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-03-11T22:35:16.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Provide written confirmation that the <em>account</em> has been closed and all <em>charges</em> <em>removed</em>. \n<em>Cease</em> any further <em>collection</em> efforts related to this <em>fraudulent</em> <em>account</em>. \nProvide a detailed <em>investigation</em> report of how this <em>fraudulent</em> <em>account</em> was opened and why proper verification processes failed. \nNotify all credit bureaus of the <em>fraudulent</em> nature of this <em>account</em> and ensure that no negative marks are placed on my credit report. \nI expect you to take swift and decisive action."],"product":["Debt <em>collection</em>"]},"sort":[21.732729,"12418116"]},{"_index":"complaint-public-v1","_id":"12417274","_score":21.703482,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Urgent Dispute of Fraudulent Account Immediate Action Required Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has been opened in my name with your company. I have discovered this fraudulent activity, and I demand immediate action on your part to resolve this matter. \n\nThe account in question is BMW FIN SVC account number : XXXX with a balance amounting {$27000.00} and opened dated : XX/XX/year>, and I have no knowledge or involvement in the creation or usage of this account. This account was opened without my authorization, and I consider this to be a clear case of identity theft. \n\nI insist that you take the following actions immediately : Close the fraudulent account and permanently remove any associated charges. \nProvide written confirmation that the account has been closed and all charges removed. \nCease any further collection efforts related to this fraudulent account. \nProvide a detailed investigation report of how this fraudulent account was opened and why proper verification processes failed. \nNotify all credit bureaus of the fraudulent nature of this account and ensure that no negative marks are placed on my credit report. \nI expect you to take swift and decisive action. This fraudulent activity has already caused significant distress, and I will not hesitate to pursue legal action should you fail to resolve this matter within 15 days","date_sent_to_company":"2025-03-11T22:47:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"89015","tags":null,"has_narrative":true,"complaint_id":"12417274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2025-03-11T22:35:19.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Provide written confirmation that the <em>account</em> has been closed and all <em>charges</em> <em>removed</em>. \n<em>Cease</em> any further <em>collection</em> efforts related to this <em>fraudulent</em> <em>account</em>. \nProvide a detailed <em>investigation</em> report of how this <em>fraudulent</em> <em>account</em> was opened and why proper verification processes failed. \nNotify all credit bureaus of the <em>fraudulent</em> nature of this <em>account</em> and ensure that no negative marks are placed on my credit report. \nI expect you to take swift and decisive action."],"product":["Debt <em>collection</em>"]},"sort":[21.703482,"12417274"]},{"_index":"complaint-public-v1","_id":"17866861","_score":21.111456,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this statement to report that I am the victim of identity theft and fraudulent activity. The account listed as XX/XX/Mercury account number XXXXXX/XX/XXXX, was opened in my name without my knowledge, authorization, or consent. I did not apply for, open, use, or benefit from this account in any way. \n\nMy personal identifying information was compromised as a result of a data breach. Due to this breach, an unauthorized individual obtained and used my information to fraudulently open the above-referenced account. This activity was done entirely without my permission and constitutes identity theft under federal law.\n\nI am requesting that this fraudulent account be investigated, blocked, and removed from all consumer reports pursuant to 15 U.S.C. 1681c-2 ( a ) and all applicable identity theft protections under the Fair Credit Reporting Act. I am also requesting that any and all collection efforts related to this account cease immediately, as I am not responsible for any activity, charges, or balances associated with this fraudulent account. \n\nI affirm that the information provided in this statement is true and accurate to the best of my knowledge.","date_sent_to_company":"2025-12-09T11:31:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33617","tags":null,"has_narrative":true,"complaint_id":"17866861","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-09T11:25:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am also requesting that any and all <em>collection</em> efforts related to this <em>account</em> <em>cease</em> immediately, as I am not responsible for any <em>activity</em>, <em>charges</em>, or balances associated with this <em>fraudulent</em> <em>account</em>. \n\nI affirm that the information provided in this statement is true and accurate to the best of my knowledge."]},"sort":[21.111456,"17866861"]},{"_index":"complaint-public-v1","_id":"14808964","_score":20.978874,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach.\n\nI am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a collection opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.\n\nIt is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.","date_sent_to_company":"2025-07-22T14:58:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30813","tags":null,"has_narrative":true,"complaint_id":"14808964","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-22T14:46:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently <em>remove</em> multiple <em>fraudulent</em> <em>accounts</em> [ <em>Collections</em>, <em>Charge</em>-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization."]},"sort":[20.978874,"14808964"]},{"_index":"complaint-public-v1","_id":"16285891","_score":20.907827,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the validity and accuracy of the account on XXXX XXXX which has been marked as a charge-off with an over {$1000.00} debt, this account involves fraudulent activity and I have previously given XXXX XXXX and Experian notice and disputes regarding this matter. However, to this date no adequate investigation or resolution has occurred, and the accounts continuously negatively affect my credit report and financial record.Under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you : Cease and desist from any further communication with me regarding this alleged debt, except as allowed by law.\n\nRefrain from reporting or re-reporting this fraudulent account to any consumer reporting agencies, or take immediate steps to remove any such reporting.\n\nProvide written verification that the account has been flagged and is being investigated for fraud, or provide documentation that substantiates the validity of the debt. \nPlease note that continuing collection efforts or communication regarding this account after receiving this notice may constitute a violation of the FDCPA, which could result in legal action. Additionally, under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), you are required to accurately report information to credit bureaus and to investigate disputed information in a timely and fair manner. \nIf this account is being handled by a third-party debt collector, you are required to notify them of this dispute and of my request to cease further contact. \nI request that you respond within 30 days from the date of this letter with confirmation that this matter is being resolved and that the account will be removed from any credit reporting or collection activity. \nThis letter is sent with the intention of protecting my rights and should not be construed as acknowledgment of any debt.","date_sent_to_company":"2025-10-01T16:26:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92394","tags":null,"has_narrative":true,"complaint_id":"16285891","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-01T16:25:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to formally dispute the validity and accuracy of the <em>account</em> on XXXX XXXX which has been marked as a <em>charge</em>-off with an over {$1000.00} debt, this <em>account</em> involves <em>fraudulent</em> <em>activity</em> and I have previously given XXXX XXXX and Experian notice and disputes regarding this matter. However, to this date no adequate <em>investigation</em> or resolution has occurred, and the <em>accounts</em> continuously negatively affect my credit report and financial record.Under 15 U.S."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.907827,"16285891"]},{"_index":"complaint-public-v1","_id":"17243195","_score":20.904253,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach.\n\nI am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX XXXX XXXX on XXXX under account number XXXX with a balance of {$750.00}. This account has resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from my Equifax credit report and that all collection activity related to this item cease pursuant to my rights under the FCRA and FDCPA. \n\nIt is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing.\n\nFailure to act in accordance with federal law may result in further legal action to protect my consumer rights.","date_sent_to_company":"2025-11-15T01:24:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19120","tags":null,"has_narrative":true,"complaint_id":"17243195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-15T01:19:51.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently <em>remove</em> multiple <em>fraudulent</em> <em>accounts</em> [ <em>Collections</em>, <em>Charge</em>-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization."]},"sort":[20.904253,"17243195"]},{"_index":"complaint-public-v1","_id":"16295938","_score":20.89969,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the validity and accuracy of the account on XXXX XXXX which has been marked as a charge-off with an over {$1000.00} debt, this account involves fraudulent activity and I have previously given XXXX XXXX and Experian notice and disputes regarding this matter. However, to this date no adequate investigation or resolution has occurred, and the accounts continuously negatively affect my credit report and financial record.Under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you : Cease and desist from any further communication with me regarding this alleged debt, except as allowed by law.\n\nRefrain from reporting or re-reporting this fraudulent account to any consumer reporting agencies, or take immediate steps to remove any such reporting.\n\nProvide written verification that the account has been flagged and is being investigated for fraud, or provide documentation that substantiates the validity of the debt. \nPlease note that continuing collection efforts or communication regarding this account after receiving this notice may constitute a violation of the FDCPA, which could result in legal action. Additionally, under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), you are required to accurately report information to credit bureaus and to investigate disputed information in a timely and fair manner. \nIf this account is being handled by a third-party debt collector, you are required to notify them of this dispute and of my request to cease further contact. \nI request that you respond within 30 days from the date of this letter with confirmation that this matter is being resolved and that the account will be removed from any credit reporting or collection activity. \nThis letter is sent with the intention of protecting my rights and should not be construed as acknowledgment of any debt.","date_sent_to_company":"2025-10-01T16:26:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92394","tags":null,"has_narrative":true,"complaint_id":"16295938","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-01T16:03:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to formally dispute the validity and accuracy of the <em>account</em> on XXXX XXXX which has been marked as a <em>charge</em>-off with an over {$1000.00} debt, this <em>account</em> involves <em>fraudulent</em> <em>activity</em> and I have previously given XXXX XXXX and Experian notice and disputes regarding this matter. However, to this date no adequate <em>investigation</em> or resolution has occurred, and the <em>accounts</em> continuously negatively affect my credit report and financial record.Under 15 U.S."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.89969,"16295938"]},{"_index":"complaint-public-v1","_id":"16294870","_score":20.89969,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the validity and accuracy of the account on XXXX XXXX which has been marked as a charge-off with an over {$1000.00} debt, this account involves fraudulent activity and I have previously given XXXX XXXX and Experian notice and disputes regarding this matter. However, to this date no adequate investigation or resolution has occurred, and the accounts continuously negatively affect my credit report and financial record.Under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you : Cease and desist from any further communication with me regarding this alleged debt, except as allowed by law.\n\nRefrain from reporting or re-reporting this fraudulent account to any consumer reporting agencies, or take immediate steps to remove any such reporting.\n\nProvide written verification that the account has been flagged and is being investigated for fraud, or provide documentation that substantiates the validity of the debt. \nPlease note that continuing collection efforts or communication regarding this account after receiving this notice may constitute a violation of the FDCPA, which could result in legal action. Additionally, under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), you are required to accurately report information to credit bureaus and to investigate disputed information in a timely and fair manner. \nIf this account is being handled by a third-party debt collector, you are required to notify them of this dispute and of my request to cease further contact. \nI request that you respond within 30 days from the date of this letter with confirmation that this matter is being resolved and that the account will be removed from any credit reporting or collection activity. \nThis letter is sent with the intention of protecting my rights and should not be construed as acknowledgment of any debt.","date_sent_to_company":"2025-10-01T16:26:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92394","tags":null,"has_narrative":true,"complaint_id":"16294870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-01T16:25:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to formally dispute the validity and accuracy of the <em>account</em> on XXXX XXXX which has been marked as a <em>charge</em>-off with an over {$1000.00} debt, this <em>account</em> involves <em>fraudulent</em> <em>activity</em> and I have previously given XXXX XXXX and Experian notice and disputes regarding this matter. However, to this date no adequate <em>investigation</em> or resolution has occurred, and the <em>accounts</em> continuously negatively affect my credit report and financial record.Under 15 U.S."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.89969,"16294870"]},{"_index":"complaint-public-v1","_id":"15321252","_score":20.793163,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. The fraudulent accounts include a XXXXXXXX XXXX account number XXXX opened on XX/XX/year> with a reported balance of {$98000.00}. I am filing this FTC Identity Theft Affidavit to report this fraudulent account appearing on my consumer XXXX TransUnion credit report which I do not recognize as reported and which is the result of identity theft and fraud. This account consists of a mortgage opened at XXXX XXXX on XX/XX/year> under account number XXXX for {$98000.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my credit report. I demand that this fraudulent item be removed from each of my consumer credit reports and that all related collection activity cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.","date_sent_to_company":"2025-08-15T21:47:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"453XX","tags":null,"has_narrative":true,"complaint_id":"15321252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-15T21:40:03.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently <em>remove</em> multiple <em>fraudulent</em> <em>accounts</em>, including <em>collections</em>, <em>charge</em>-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization."]},"sort":[20.793163,"15321252"]},{"_index":"complaint-public-v1","_id":"16110444","_score":20.783928,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # [ Private Case Number ] ) along with supporting documentation, including proof that my personal data was compromised in the XXXX data breach. \n\nI am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a utility account opened at XXXXXXXX XXXX XXXX XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.","date_sent_to_company":"2025-09-22T08:40:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19120","tags":null,"has_narrative":true,"complaint_id":"16110444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-22T08:07:03.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently <em>remove</em> multiple <em>fraudulent</em> <em>accounts</em> [ <em>Collections</em>, <em>Charge</em>-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization."]},"sort":[20.783928,"16110444"]},{"_index":"complaint-public-v1","_id":"14548757","_score":20.759321,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach.\n\nI am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX on XX/XX/year>, under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.\n\nIt is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.","date_sent_to_company":"2025-07-09T14:53:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30080","tags":null,"has_narrative":true,"complaint_id":"14548757","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-09T14:39:40.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently <em>remove</em> multiple <em>fraudulent</em> <em>accounts</em> [ <em>Collections</em>, <em>Charge</em>-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization."]},"sort":[20.759321,"14548757"]},{"_index":"complaint-public-v1","_id":"15306572","_score":20.75499,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. The fraudulent accounts include a XXXX XXXX  account number XXXX opened on XX/XX/year> with a reported balance of {$98000.00}. I am filing this FTC Identity Theft Affidavit to report this fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This account consists of a mortgage opened at XXXX XXXX on XX/XX/year> under account number XXXX for {$98000.00}. This account has caused several fraudulent hard inquiries and collections to appear on my consumer FICO credit report. I demand that this fraudulent item be removed from all of my consumer credit reports and that all collection activity related to it cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.","date_sent_to_company":"2025-08-15T21:47:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"453XX","tags":null,"has_narrative":true,"complaint_id":"15306572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-15T21:40:03.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently <em>remove</em> multiple <em>fraudulent</em> <em>accounts</em>, including <em>collections</em>, <em>charge</em>-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization."]},"sort":[20.75499,"15306572"]},{"_index":"complaint-public-v1","_id":"15982496","_score":20.749184,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EXPERIAN ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX  XXXX breach. \n\nI am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. \n\nIt is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.","date_sent_to_company":"2025-09-16T20:22:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30813","tags":null,"has_narrative":true,"complaint_id":"15982496","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-16T20:02:45.000Z","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":["I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EXPERIAN ] immediately block and permanently <em>remove</em> multiple <em>fraudulent</em> <em>accounts</em> [ <em>Collections</em>, <em>Charge</em>-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization."]},"sort":[20.749184,"15982496"]},{"_index":"complaint-public-v1","_id":"15066501","_score":20.724077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accountsspecifically Collections, Charge-Offs, Late Payments, and Hard Inquiriesthat were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. One such fraudulent account is a credit card reported by XXXX XXXX  XXXX  ( account number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/year>2015, with a balance of {$8900.00}. I am requesting that Equifax take immediate action to investigate and permanently remove this and any other fraudulent accounts from my consumer credit file in accordance with FCRA 605B. I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize and which is the result of identity theft and fraud. This fraudulent account is a credit card opened at XXXX XXXX  DELAWARE on XX/XX/year>2015 under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$8900.00}. This account has resulted in fraudulent hard inquiries and may have contributed to collection activity on my credit profile. I demand that this fraudulent item be removed from all of my consumer credit reports and that any collection activity related to it cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.","date_sent_to_company":"2025-08-04T22:13:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"330XX","tags":null,"has_narrative":true,"complaint_id":"15066501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-04T22:08:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I demand that this <em>fraudulent</em> item be <em>removed</em> from all of my consumer credit reports and that any <em>collection</em> <em>activity</em> related to it <em>cease</em> immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt <em>Collection</em> Practices Act ( FDCPA ). It is the credit bureaus legal obligation under the FCRA to review and block <em>fraudulent</em>, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation."]},"sort":[20.724077,"15066501"]},{"_index":"complaint-public-v1","_id":"17268733","_score":20.655249,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Transunion immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax XXXX breach. \n\nI am filing this FTC Identity Theft Affidavit to report XXXX fraudulent XXXX  student loan accounts on my TransUnion credit report that I do not recognize and which result from identity theft. These include accounts opened XXXX with balances of {$5500.00} and {$7000.00}, accounts opened XXXX XXXX  with balances of {$3500.00} and {$6000.00}, and an account opened XXXX with a balance of {$6000.00}, all under account number XXXX. \nThese accounts caused fraudulent hard inquiries and collections. I demand that all fraudulent items be removed from my credit reports and that all collection activity related to these accounts cease under my rights pursuant to the FCRA and FDCPA. \n\nIt is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing.\n\nFailure to act in accordance with federal law may result in further legal action to protect my consumer rights.","date_sent_to_company":"2025-11-16T00:23:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19141","tags":null,"has_narrative":true,"complaint_id":"17268733","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-16T00:19:18.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These include <em>accounts</em> opened XXXX with balances of {$5500.00} and {$7000.00}, <em>accounts</em> opened XXXX XXXX  with balances of {$3500.00} and {$6000.00}, and an <em>account</em> opened XXXX with a balance of {$6000.00}, all under <em>account</em> number XXXX. \nThese <em>accounts</em> caused <em>fraudulent</em> hard inquiries and <em>collections</em>. I demand that all <em>fraudulent</em> items be <em>removed</em> from my credit reports and that all <em>collection</em> <em>activity</em> related to these <em>accounts</em> <em>cease</em> under my rights pursuant to the FCRA and FDCPA."]},"sort":[20.655249,"17268733"]},{"_index":"complaint-public-v1","_id":"16082021","_score":20.553679,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. \n\nI am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX on XX/XX/XXXXXXXX  under the account number XXXX, and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard in\n\nquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result\nin further legal action to protect my consumer rights.","date_sent_to_company":"2025-09-22T21:00:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30813","tags":null,"has_narrative":true,"complaint_id":"16082021","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-22T19:25:25.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["These <em>accounts</em> have resulted in several <em>fraudulent</em> hard in\n\nquiries and <em>fraudulent</em> <em>collections</em> appearing on my consumer FICO credit report. I demand that the aforementioned <em>fraudulent</em> items be <em>removed</em> from each of my consumer credit reports and that all <em>collection</em> <em>activity</em> related to said items <em>cease</em> pursuant to my rights within the FCRA and FDCPA laws."]},"sort":[20.553679,"16082021"]},{"_index":"complaint-public-v1","_id":"20602424","_score":20.54154,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Narrative I am filing this complaint regarding fraudulent Affirm transactions resulting from identity theft. I did not authorize these transactions, did not participate in them, and received no benefit. \n\nThe fraudulent activity occurred on XX/XX/year>, and consists of the following unauthorized charges : {$470.00} {$9.00} {$300.00} These transactions total {$790.00} and are tied to an Affirm account identified as XXXX. This activity is confirmed in my FTC Identity Theft Report, which I filed under penalty of perjury. \n\nUnder FCRA 605B ( 15 U.S.C. 1681c-2 ) and applicable identity theft protections, Affirm is required to block and remove fraudulent information and can not hold me liable for unauthorized transactions. \n\nI am demanding that Affirm : Conduct a proper identity theft investigation Remove all fraudulent charges and account activity Cease any collection efforts immediately Delete any related negative credit reporting Provide all documents used to claim authorization ( including application data, IP logs, device data, delivery confirmation, and transaction records ) Failure to comply will result in further escalation and legal action. \n\n\n\nResolution Requested ( CFPB Box # 2 ) This is identity theft. The Affirm transactions dated XX/XX/year> ( {$470.00}, {$9.00}, {$300.00} ) are fraudulent and unauthorized. I want Affirm to remove all liability, stop any collection or reporting, delete any negative credit reporting, and provide written confirmation that this matter has been resolved as fraud. \n\n\n\nIf you want, I can also turn this into a court-ready exhibit packet ( AF ) or a more aggressive version citing EFTA Reg E depending on how Affirm responds.","date_sent_to_company":"2026-03-25T23:57:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07601","tags":null,"has_narrative":true,"complaint_id":"20602424","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2026-03-25T23:50:28.000Z","state":"NJ","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am demanding that Affirm : Conduct a proper identity theft <em>investigation</em> <em>Remove</em> all <em>fraudulent</em> <em>charges</em> and <em>account</em> <em>activity</em> <em>Cease</em> any <em>collection</em> efforts immediately Delete any related negative credit reporting Provide all documents used to claim authorization ( including application data, IP logs, device data, delivery confirmation, and transaction records ) Failure to comply will result in further escalation and legal action. \n\n\n\nResolution Requested ( CFPB Box # 2 ) This is identity theft."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[20.54154,"20602424"]},{"_index":"complaint-public-v1","_id":"14353434","_score":20.44603,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because there is a fraudulent account being reported on my credit report by XXXX XXXX XXXX. I did not open this account, nor did I authorize anyone else to open it on my behalf. It is the result of identity theft. \nThe account was opened on XX/XX/year>, with an outstanding balance of {$1800.00} and is currently reported as a collection/charge-off. I discovered this account while reviewing my TransUnion, Equifax and Experian credit report. I immediately took the proper steps to report the fraud by : Filing a police report for identity theft Notifying XXXX XXXX  in writing of the fraudulent activity Providing supporting documentation including the police report, my government- issued ID, and proof of address Despite submitting all required documentation, XXXX  XXXX has refused to remove the fraudulent account from my credit file and continues to report it as valid. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). \n\nI am requesting that the CFPB require XXXX XXXX XXXX to : XXXX. Immediately delete this fraudulent account from all credit bureaus XXXX. Cease any collection activity on this account XXXX. Provide written confirmation that I will not be held responsible for this debt I have attached supporting documentation for your review. This false account is negatively impacting my credit standing and I respectfully request a full investigation and resolution.","date_sent_to_company":"2025-06-28T22:51:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29745","tags":null,"has_narrative":true,"complaint_id":"14353434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-28T22:51:05.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt <em>Collection</em> Practices Act ( FDCPA ). \n\nI am requesting that the CFPB require XXXX XXXX XXXX to : XXXX. Immediately delete this <em>fraudulent</em> <em>account</em> from all credit bureaus XXXX. <em>Cease</em> any <em>collection</em> <em>activity</em> on this <em>account</em> XXXX. Provide written confirmation that I will not be held responsible for this debt I have attached supporting documentation for your review."]},"sort":[20.44603,"14353434"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":687,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":687}]}},"product":{"doc_count":687,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":340,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":340}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":167,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":167}]}},{"key":"Debt 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