{"took":104,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4231,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17284901","_score":17.25519,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"DEBT RECOVERY SOLUTIONS ( XXXX ) Subject : Debt Recovery Solutions Reporting Fraudulent Account, Re-Aging, Inaccurate Information, and Failure to Validate in Violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA To Whom It May Concern : This complaint concerns a fraudulent and inaccurate collection account reported by Debt Recovery Solutions ( XXXX  ) between XX/XX/XXXX and XX/XX/XXXX, allegedly owed to Purpose Financial. This tradeline appeared without notice, without validation, and contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). \n\nThe account does not appear on Experian and is only present on Equifax and TransUnion, indicating inconsistent, unverifiable, and fraudulent reporting. \n\n1. UNAUTHORIZED COLLECTION ACCOUNT IDENTITY THEFT ( FCRA 605B ) This collection account : was never authorized was never opened by me was never validated appeared suddenly between XX/XX/XXXX and XX/XX/XXXX does not appear on XXXX  contains inaccurate and inconsistent data Under 15 U.S.C. 1681c-2, I have the right to block items resulting from identity theft.\n\nThis account qualifies as fraudulent.\n\n2. FAILURE TO VALIDATE THE DEBT FDCPA 1692g I did NOT receive : initial notice a dunning letter validation of debt proof of ownership proof of assignment ANY written communication Under FDCPA 1692g ( a ) and ( b ), collection activity must cease until validation is provided. XXXX has illegally reported the debt with\nout providing validation.\n\n3. RE-AGING OF ACCOUNT FCRA 1681c ( a ) ( 4 ) The Date of First Delinquency ( DOFD ) reported is : incorrect inconsistent not tied to any legitimate account Furnishing a false DOFD is illegal because it : extends the reporting period artificially damages my credit constitutes deceptive reporting This violates both : FCRA 1681c ( a ) ( 4 ) ( accurate DOFD required ) FDCPA 1692e ( prohibition on false representations ) 4. BALANCE INACCURACY & MISCLASSIFICATION FCRA 1681e ( b ) The balance reported is : inconsistent with industry standards unsupported by any contract not validated inconsistent across bureaus FCRA 1681e ( b ) requires maximum possible accuracy.\n\nThis reporting fails that standard and is misleading.\n\n5. CROSS-CRA INCONSISTENCY CLEAR EVIDENCE OF VERIFICATION FAILURE The account : appears on XXXX appears on XXXX does NOT appear on XXXX This is a major red flag indicating : lack of validation inconsistent furnisher reporting incomplete investigation inaccurate data handling violation of 1681s-2 ( b ) evidence of willful inaccuracy Case law ( for your knowledge ) : XXXXXXXX XXXX XXXX  XXXX and furnishers must conduct reasonable, not superficial, investigations. \n\nXXXXXXXX XXXX XXXX XXXX  XXXX XXXX must ensure accuracy and correct errors across all CRAs. \n\nXXXX has not done so. \n\n6. FAILURE TO PROVIDE LEGALLY REQUIRED NOTICE OF COLLECTION I never received : a call an email a letter an initial notice a right-to-dispute disclosure This violates : FDCPA 1692g ( notice within 5 days ) FDCPA 1692e ( 10 ) ( deceptive means ) FCRA 1681e ( b ) ( accuracy )","date_sent_to_company":"2025-11-16T10:04:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77379","tags":"Servicemember","has_narrative":true,"complaint_id":"17284901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Debt Recovery Solutions, LLC","date_received":"2025-11-16T09:58:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["CROSS-CRA <em>INCONSISTENCY</em> CLEAR EVIDENCE OF VERIFICATION FAILURE The account : <em>appears</em> on XXXX <em>appears</em> on XXXX does NOT <em>appear</em> on XXXX This is a major red flag indicating : lack of validation <em>inconsistent</em> furnisher reporting incomplete <em>investigation</em> inaccurate data handling violation of 1681s-2 ( b ) evidence of willful inaccuracy Case law ( for your knowledge ) : XXXXXXXX XXXX XXXX  XXXX and furnishers must conduct reasonable, not superficial, <em>investigations</em>."]},"sort":[17.25519,"17284901"]},{"_index":"complaint-public-v1","_id":"14554983","_score":16.940254,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting multiple complaints regarding XXXX collection accounts reported by Midland Credit Management ( MCM ) to XXXX XXXX XXXX XXXX \n\nThese accounts are being reported with serious inconsistencies and inaccuracies that appear to violate the Fair Credit Reporting Act ( FCRA ). Specifically : 1. The accounts appear to have been re-aged, which is a direct violation of the FCRA. The Date of First Delinquency ( DOFD ) is either missing or inaccurate, and the Date Opened is reported in a way that does not reflect the true age of the debt.\n\n2. The accounts are being updated monthly, even though I have made no payments or activity on the accounts. This falsely makes the debts appear current and active, unfairly suppressing my credit score.\n\n3. These repeated updates appear intended to artific\nially extend the life of the collection accounts on my credit reports, in violation of the FCRA 's 7-year reporting limit.\n\n4. The accounts are being inconsistently furnished to the credit bureaus : Example : Reported as Open on XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nSuch inconsistency is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires that furnished data be accurate and consistent.\n\n5. Additionally, the accounts list a 1-month repayment term, which is false and misleading. The original debts had longer repayment terms. By misreporting the term as only 1 month, MCM mischaracterizes the nature of the debt, potentially leading lenders to believe I defaulted on a short-term, high-risk loan.\n\nThis kind of reporting misleads credit scoring models and lenders, portraying me as a higher-risk borrower than I actually am. It unfairly affects my access to credit and violates the FCRA requirement that data be not just accurate, but also not misleading.\n\nI am requesting that the CFPB investigate Midland Credit Managements reporting practices and require the company to either : Correct the inaccurate and inconsistent information across all bureaus, or remove the accounts if they can not be verified with accurate and compliant data.","date_sent_to_company":"2025-07-09T07:39:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60637","tags":null,"has_narrative":true,"complaint_id":"14554983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-07-09T05:25:43.000Z","state":"IL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am submitting multiple complaints regarding XXXX collection accounts reported by Midland Credit Management ( MCM ) to XXXX XXXX XXXX XXXX \n\nThese accounts are being reported with serious <em>inconsistencies</em> and inaccuracies that <em>appear</em> to violate the Fair Credit Reporting Act ( <em>FCRA</em> ). Specifically : 1. The accounts <em>appear</em> to have been re-aged, which is a direct violation of the <em>FCRA</em>."]},"sort":[16.940254,"14554983"]},{"_index":"complaint-public-v1","_id":"17223487","_score":16.549242,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because TransUnion failed to properly investigate my dispute submitted on XXXX XXXX XXXX, and continues to report false, unverified, incomplete, and nonMetro-2-compliant information, causing harm to my credit file.\n\nMy dispute letter informed TransUnion of the following errors : Incorrect Personal Identifiers TransUnion is reporting : Unauthorized Also Known As names Old or inaccurate addresses Incorrect previous addresses False employer information Incorrect date of birth Personal identifier errors inconsistent across bureaus Non-Verified or Non-Compliant Accounts Multiple accounts appear incorrect, inconsistent, or impossible to validate due to major discrepancies across the three bureaus, including : XXXX XXXX XXXX XXXX XXXX XXXX ( two accounts ) XXXX XXXX These tradelines contain missing fields, inconsistent numbers, or differences between bureaus that violate Metro-2 reporting standards and raise questions about accuracy and ownership.\n\nFailure to Conduct a Reasonable Investigation TransUnion appears to have relied on automated e-OSCAR responses and did not obtain physical validation. This violates 15 U.S.C. 1681i and case law requiring a reasonable independent investigation.\n\nViolations and Harm TransUnion is reporting information that is : Not verified Not accurate Not complete Not consistent across bureaus Not timely Not reported in Metro-2 required format These errors materially harm my creditworthiness and violate FCRA, FDCPA, and federal reporting obligations.","date_sent_to_company":"2025-11-13T18:44:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"17223487","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-13T18:42:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Failure to Conduct a Reasonable <em>Investigation</em> TransUnion <em>appears</em> to have relied on automated e-OSCAR responses and did not obtain physical validation. This violates 15 U.S.C. 1681i and case law <em>requiring</em> a reasonable independent <em>investigation</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[16.549242,"17223487"]},{"_index":"complaint-public-v1","_id":"17528217","_score":16.441504,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because XXXX XXXX XXXX is reporting inaccurate and inconsistent information across the credit bureaus regarding my auto loan account # XXXX XXXX XXXX XXXX XXXX According to my XXXX report, the account is currently reporting as open and current, however the payment history being furnished is inconsistent and appears to violate the accuracy requirements under the FCRA. \n\nSpecifically, the account shows XXXX late payments inconsistently between XXXX, Experian, and XXXX XXXX for the same months. \nFor example, on the report ( page showing the auto loan ) : XXXX  shows a XXXX late mark for XX/XX/year>. \n\nExperian shows a XXXX late mark for XX/XX/year>. \n\nXXXX  reports a XXXX late for XX/XX/year>, but does not match Experian. \n\nThese discrepancies violate FCRA 602 ( A ) and FCRA 623, which require data furnishers to report accurate and consistent information. I dispute these late payments because they are not accurate and the reporting is inconsistent. The creditor has failed to conduct a reasonable investigation and continues to furnish conflicting information. \n\nI am requesting the CFPB to review this matter because the inconsistent reporting is harming my credit score and is a clear violation of federal consumer protection laws.","date_sent_to_company":"2025-11-26T17:43:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37167","tags":null,"has_narrative":true,"complaint_id":"17528217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-26T17:43:35.000Z","state":"TN","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":["I am filing this complaint because XXXX XXXX XXXX is reporting inaccurate and <em>inconsistent</em> information across the credit bureaus regarding my auto loan account # XXXX XXXX XXXX XXXX XXXX According to my XXXX report, the account is currently reporting as open and current, however the payment history being furnished is <em>inconsistent</em> and <em>appears</em> to violate the accuracy requirements under the <em>FCRA</em>."]},"sort":[16.441504,"17528217"]},{"_index":"complaint-public-v1","_id":"20074179","_score":16.268192,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Inaccurate and Unverified Credit Reporting XXXX XXXX XXXX Complaint : I am filing a formal complaint regarding XXXX XXXX XXXX for inaccurate, inconsistent, and unverified credit reporting. This account is currently being reported as a collection account. However, the account appears to be reported inconsistently and potentially duplicated across my credit file. Additionally, I previously requested validation of this debt. In response, XXXX provided only a billing statement from the original creditor. This does not constitute proper validation of the debt, as it does not establish XXXX  legal ownership or chain of assignment. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report information that is complete and accurate. Reporting an account without verifying ownership or providing sufficient documentation is inaccurate and misleading. Under FCRA 611, credit reporting agencies are required to conduct a reasonable investigation. Verification of this account without supporting documentation does not meet the standard of a reasonable investigation. Under FCRA 623 ( b ), XXXX  is required to conduct a reasonable investigation upon notice of dispute. Failure to provide documentation demonstrating ownership and the right to collect indicates noncompliance. Additionally, under FCRA 623 ( a ) ( 5 ), the Date of First Delinquency must be accurately reported. I request verification that this account has not been improperly re-aged. Under FCRA 611 ( a ) ( 7 ), I request disclosure of the method of verification used, including the party contacted and documentation relied upon. Given that a fraud alert is present on my credit file, this account requires heightened verification under FCRA 605B. Any unverifiable account must be deleted. This account remains disputed and unverifiable. I request the following : 1. Immediate deletion of this account due to failure to properly validate 2. Removal of any duplicate or inconsistent reporting 3. Documentation supporting XXXX  ownership and reporting If this account can not be fully verified with proper documentation, it must be deleted. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-03-08T07:05:26.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77521","tags":null,"has_narrative":true,"complaint_id":"20074179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-03-08T06:55:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Under <em>FCRA</em> 623 ( a ) ( 1 ) ( A ), furnishers are <em>required</em> to report information that is complete and accurate. Reporting an account without verifying ownership or providing sufficient documentation is inaccurate and misleading. Under <em>FCRA</em> 611, credit reporting agencies are <em>required</em> to conduct a reasonable <em>investigation</em>. Verification of this account without supporting documentation does not meet the standard of a reasonable <em>investigation</em>."]},"sort":[16.268192,"20074179"]},{"_index":"complaint-public-v1","_id":"14529707","_score":16.254381,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This account was previously disputed and marked as consumer disputes reinvestigation in progress. However, the remark was removed between XX/XX/2025 and XX/XX/2025, without resolving the issue or providing documentation to support the validity of the reporting. \n\nthe charge-off status and balance reporting appear inconsistent and unverifiable, I request validation and proper investigation, but the company failed to provide documentation or evidence confirming the accuracy of the information. \n\nThis is a violation of the FAIR CREDIT REPORTING ACT ( FCRA ), which requires furnishers to investigate disputes thoroughly and correct or delete any unverifiable information.","date_sent_to_company":"2025-08-11T17:43:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33126","tags":null,"has_narrative":true,"complaint_id":"14529707","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-07-09T00:52:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["the charge-off status and balance reporting <em>appear</em> <em>inconsistent</em> and unverifiable, I request validation and proper <em>investigation</em>, but the company failed to provide documentation or evidence confirming the accuracy of the information. \n\nThis is a violation of the FAIR CREDIT REPORTING ACT ( <em>FCRA</em> ), which <em>requires</em> furnishers to <em>investigate</em> disputes thoroughly and correct or delete any unverifiable information."]},"sort":[16.254381,"14529707"]},{"_index":"complaint-public-v1","_id":"11228255","_score":16.23501,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally complain regarding the handling of my identity theft case with the CFPB complaint number XXXX. I submitted all required documentation to process my FCRA 605B Identity Theft Fraud Block and requested the method of verification and investigation. Despite following the necessary procedures, I have spoken with multiple supervisors who stated that these fraudulent items could not be removed due to their policy. I believe this policy does not align with the FCRA 605B law, and I am requesting that the CFPB investigate the method of verification used in this case, as it appears to be inconsistent with the legal requirements set forth under the Fair Credit Reporting Act.","date_sent_to_company":"2024-12-21T01:06:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"01852","tags":null,"has_narrative":true,"complaint_id":"11228255","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-21T01:03:59.000Z","state":"MA","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 believe this policy does not align with the <em>FCRA</em> 605B law, and I am requesting that the CFPB <em>investigate</em> the method of verification used in this case, as it <em>appears</em> to be <em>inconsistent</em> with the legal requirements set forth under the Fair Credit Reporting Act."]},"sort":[16.23501,"11228255"]},{"_index":"complaint-public-v1","_id":"17527388","_score":16.227015,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because XXXX XXXX XXXX is reporting inaccurate and inconsistent information across the credit bureaus regarding my auto loan account # XXXXXXXX XXXX XXXX XXXX XXXX. According to my IdentityIQ report, the account is currently reporting as open and current, however the payment history being furnished is inconsistent and appears to violate the accuracy requirements under the FCRA. \n\nSpecifically, the account shows XXXX late payments inconsistently between TransUnion, XXXX XXXX XXXX XXXX for the same months. \nFor example, on the report ( page showing the auto loan ) : TransUnion shows a XXXX late mark for XX/XX/year>. \n\nXXXX shows a XXXX late mark for XX/XX/year>. \n\nXXXX  reports a XXXX late for XX/XX/year>, but does not match Experian. \n\nThese discrepancies violate FCRA 602 ( A ) and FCRA 623, which require data furnishers to report accurate and consistent information. I dispute these late payments because they are not accurate and the reporting is inconsistent. The creditor has failed to conduct a reasonable investigation and continues to furnish conflicting information. \n\nI am requesting the CFPB to review this matter because the inconsistent reporting is harming my credit score and is a clear violation of federal consumer protection laws.","date_sent_to_company":"2025-11-26T17:43:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"37167","tags":null,"has_narrative":true,"complaint_id":"17527388","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-26T17:43:35.000Z","state":"TN","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":["I am filing this complaint because XXXX XXXX XXXX is reporting inaccurate and <em>inconsistent</em> information across the credit bureaus regarding my auto loan account # XXXXXXXX XXXX XXXX XXXX XXXX. According to my IdentityIQ report, the account is currently reporting as open and current, however the payment history being furnished is <em>inconsistent</em> and <em>appears</em> to violate the accuracy requirements under the <em>FCRA</em>."]},"sort":[16.227015,"17527388"]},{"_index":"complaint-public-v1","_id":"11232033","_score":16.221512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally complain regarding the handling of my identity theft case with the CFPB complaint number XXXX. I submitted all required documentation to process my FCRA 605B Identity Theft Fraud Block and requested the method of verification and investigation. Despite following the necessary procedures, I have spoken with multiple supervisors who stated that these fraudulent items could not be removed due to their policy. I believe this policy does not align with the FCRA 605B law, and I am requesting that the CFPB investigate the method of verification used in this case, as it appears to be inconsistent with the legal requirements set forth under the Fair Credit Reporting Act.","date_sent_to_company":"2024-12-21T00:57:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"01852","tags":null,"has_narrative":true,"complaint_id":"11232033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-21T00:46:23.000Z","state":"MA","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 believe this policy does not align with the <em>FCRA</em> 605B law, and I am requesting that the CFPB <em>investigate</em> the method of verification used in this case, as it <em>appears</em> to be <em>inconsistent</em> with the legal requirements set forth under the Fair Credit Reporting Act."]},"sort":[16.221512,"11232033"]},{"_index":"complaint-public-v1","_id":"11230182","_score":16.221512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally complain regarding the handling of my identity theft case with the CFPB complaint number XXXX. I submitted all required documentation to process my FCRA 605B Identity Theft Fraud Block and requested the method of verification and investigation. Despite following the necessary procedures, I have spoken with multiple supervisors who stated that these fraudulent items could not be removed due to their policy. I believe this policy does not align with the FCRA 605B law, and I am requesting that the CFPB investigate the method of verification used in this case, as it appears to be inconsistent with the legal requirements set forth under the Fair Credit Reporting Act.","date_sent_to_company":"2024-12-21T01:02:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"01852","tags":null,"has_narrative":true,"complaint_id":"11230182","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-21T00:58:39.000Z","state":"MA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I believe this policy does not align with the <em>FCRA</em> 605B law, and I am requesting that the CFPB <em>investigate</em> the method of verification used in this case, as it <em>appears</em> to be <em>inconsistent</em> with the legal requirements set forth under the Fair Credit Reporting Act."]},"sort":[16.221512,"11230182"]},{"_index":"complaint-public-v1","_id":"17764896","_score":16.097982,"_source":{"product":"Debt collection","complaint_what_happened":"In reviewing my credit reports, I discovered inaccurate and inconsistent reporting of a previously charged-off Capital One account ( ending in XXXX XXXX XXXX XXXX XXXX ). The account was paid in full on XX/XX/XXXX, yet the bureaus continue to display conflicting and contradictory status descriptions, including settled for less than full balance and paid in full/was a charge-off. These remarks can not simultaneously be correct, and the inconsistency creates an inaccurate portrayal of the account. \n\nAdditionally, the information being furnished does not appear to align consistently across all three credit bureaus. The Date of First Delinquency appears to be reported inconsistently or unverifiably, as Capital One has not provided documentation supporting the exact delinquency timeline dating back to approximately XX/XX/XXXX. \n\nI contacted Capital One to request clarification and correction, but the information has not been updated or verified. Because this data is being furnished to multiple credit bureaus, accuracy and consistency are required under the Fair Credit Reporting Act ( FCRA ). \n\nI am requesting that the account be fully investigated and that inaccurate or unverifiable information be corrected or removed.","date_sent_to_company":"2025-12-05T07:24:36.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"92570","tags":null,"has_narrative":true,"complaint_id":"17764896","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-05T07:10:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Because this data is being furnished to multiple credit bureaus, accuracy and consistency are <em>required</em> under the Fair Credit Reporting Act ( <em>FCRA</em> ). \n\nI am requesting that the account be fully <em>investigated</em> and that inaccurate or unverifiable information be corrected or removed."]},"sort":[16.097982,"17764896"]},{"_index":"complaint-public-v1","_id":"12166720","_score":15.961784,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Experian for reporting a collection account from XXXX XXXXXXXX XXXX XXXX that has not been validated and is causing significant harm to my credit profile. This account is only being reported by Experian and is inconsistent with the information reflected in my credit reports from other bureaus. The lack of validation and the inconsistency of this account raise serious concerns about its accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). \n\nDetails of the Complaint : Unvalidated Collection Account : The collection account from XXXX XXXXXXXX XXXX  XXXX has not been validated by the creditor or Experian. Despite my requests for validation, neither XXXX XXXX XXXX  XXXX nor Experian has provided any documentation proving the validity of the debt, including the original creditors name, the amount owed, or any agreement binding me to this debt. This failure to validate the debt violates my rights under the FCRA, specifically XXXX XXXX. XXXX, which requires credit bureaus to ensure the accuracy of the information they report. \n\nInconsistent Reporting : This account is only being reported by Experian and does not appear on my credit reports from other bureaus. This inconsistency raises serious doubts about the legitimacy of the account and demonstrates that Experian has failed to verify the accuracy of the information before reporting it. \n\nSignificant Harm to Credit Profile : The inclusion of this unvalidated and inconsistent account on my Experian credit report has caused significant harm to my credit profile. It has negatively impacted my credit score and my ability to obtain credit, loans, or other financial products. This harm is a direct result of Experians failure to comply with the FCRA and ensure the accuracy of the information they report. \n\nFailure to Investigate and Correct Errors : I have disputed this account with Experian multiple times, providing evidence of its unverified status and requesting an investigation. However, Experian has failed to correct the error or provide a satisfactory explanation for reporting this account. This failure violates my rights under the FCRA, specifically XXXX XXXX. XXXX, which requires credit bureaus to conduct a reasonable investigation of disputed information.","date_sent_to_company":"2025-02-21T19:50:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"12166720","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-21T19:29:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This failure to validate the debt violates my rights under the <em>FCRA</em>, specifically XXXX XXXX. XXXX, which <em>requires</em> credit bureaus to ensure the accuracy of the information they report. \n\n<em>Inconsistent</em> Reporting : This account is only being reported by Experian and does not <em>appear</em> on my credit reports from other bureaus."]},"sort":[15.961784,"12166720"]},{"_index":"complaint-public-v1","_id":"15685939","_score":15.920626,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the reporting of an account by Village Capital & Investment that appears on my credit reports with XXXX XXXX XXXX XXXX. I have never had a mortgage or loan with this company. \n\nThe information being reported is inconsistent across the bureaus : one report lists it as a collection account, another as transferred, and another shows delinquency status. This violates the Fair Credit Reporting Act ( FCRA ) 607, which requires maximum possible accuracy.\n\nFurthermore, under FCRA 623 ( a ) ( 5 ), furnishers must report the correct Date of First Delinquency ( DOFD ). If the DOFD can not be verified, the account must be removed. I believe this account is either a case of mixed file or inaccurate furnishing. \nI request that this account be fully investigated and deleted from all three credit bureaus. Supporting documentation is attached to highlight the inconsistencies.","date_sent_to_company":"2025-09-04T00:26:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"52722","tags":null,"has_narrative":true,"complaint_id":"15685939","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Village Capital & Investment LLC","date_received":"2025-09-04T00:18:20.000Z","state":"IA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am disputing the reporting of an account by Village Capital & Investment that <em>appears</em> on my credit reports with XXXX XXXX XXXX XXXX. I have never had a mortgage or loan with this company. \n\nThe information being reported is <em>inconsistent</em> across the bureaus : one report lists it as a collection account, another as transferred, and another shows delinquency status. This violates the Fair Credit Reporting Act ( <em>FCRA</em> ) 607, which <em>requires</em> maximum possible accuracy."]},"sort":[15.920626,"15685939"]},{"_index":"complaint-public-v1","_id":"20276258","_score":15.847044,"_source":{"product":"Debt or credit management","complaint_what_happened":"Date : XX/XX/XXXX TransUnion Consumer Relations XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Credit Report Dispute FCRA Investigation Request Consumer : XXXX XXXX XXXX XXXX : XX/XX/XXXX File Number : XXXX To Whom It May Concern, I am writing to dispute several items currently being reported on my credit report. These items appear inaccurate, incomplete, and unverifiable. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request a reasonable investigation and deletion of any information that can not be verified as accurate. \n\nThe following accounts require investigation : XXXX  XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  This account is reporting a charge-off balance that appears inconsistent with the payment history. The reported balance and delinquency timeline require verification. Please provide documentation validating the accuracy of the charge-off amount, payment ledger, and original contractual agreement. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account reflects balances and delinquency information that appear inconsistent with the credit limit and reported payment history. Please verify the full accounting records and original contract supporting this reporting. \n\nXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  This account contains a repossession indicator ( RPO ) despite the vehicle never being repossessed. The account is currently reporting as current, which directly conflicts with the repossession remark. This appears to be inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ). I request immediate correction or deletion if the furnisher can not verify this information. \n\nUnauthorized Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX These companies did not have my authorization or a permissible purpose to access my credit file. Under FCRA 604, please provide documentation demonstrating permissible purpose for these inquiries. If such documentation can not be produced, the inquiries must be deleted. \nIf the above items can not be verified with original documentation and complete records, they must be removed from my credit file in accordance with FCRA 611 ( a ) ( 5 ). \n\nPlease provide the results of your investigation in writing within the statutory timeframe. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-03-15T04:09:33.000Z","issue":"Confusing or misleading advertising or marketing","sub_product":"Credit repair services","zip_code":"55404","tags":null,"has_narrative":true,"complaint_id":"20276258","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-03-15T03:51:44.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request a reasonable <em>investigation</em> and deletion of any information that can not be verified as accurate. \n\nThe following accounts <em>require</em> <em>investigation</em> : XXXX  XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  This account is reporting a charge-off balance that <em>appears</em> <em>inconsistent</em> with the payment history. The reported balance and delinquency timeline <em>require</em> verification."]},"sort":[15.847044,"20276258"]},{"_index":"complaint-public-v1","_id":"10886886","_score":15.806871,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Account Information : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Complaint : The XXXX XXXX auto loan account was previously removed from my Experian credit report following a dispute under the Fair Credit Reporting Act ( FCRA ). However, the account has now been improperly re-added without prior notification, proper verification, or supporting documentation, as required under FCRA guidelines. \n\nThe account is reported with a {$30000.00} balance, and its re-reporting is inconsistent, as it only appears on Experian and not on other credit bureaus. This inconsistency highlights potential inaccuracies and non-compliance with reporting requirements. I request an investigation into the re-reporting of this account and its removal if no verification can be provided. \n\nXXXX XXXX Account Information : XXXX Balance : {$6500.00} Complaint : This account was previously removed from my Experian credit report after an identity theft dispute filed under FCRA Section 605B. Despite this, the account has been re-added, negatively impacting my credit profile and score. Experian has not provided any verification or documentation to justify re-adding the account to my report, as required under the FCRA. \n\nGiven that the account was previously deemed invalid and removed, the re-reporting without sufficient evidence violates my rights under the FCRA. I demand immediate investigation and corrective action to address this improper re-reporting.","date_sent_to_company":"2024-11-21T18:37:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30248","tags":null,"has_narrative":true,"complaint_id":"10886886","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-21T18:24:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The account is reported with a {$30000.00} balance, and its re-reporting is <em>inconsistent</em>, as it only <em>appears</em> on Experian and not on other credit bureaus. This <em>inconsistency</em> highlights potential inaccuracies and non-compliance with reporting requirements. I request an <em>investigation</em> into the re-reporting of this account and its removal if no verification can be provided."]},"sort":[15.806871,"10886886"]},{"_index":"complaint-public-v1","_id":"16223744","_score":15.753344,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being submitted because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was not notified when they were added. The inconsistent reporting across all XXXX bureaus is in clear violation of the FCRA, 15 U.S.C. XXXXXXXX ( b ), which requires credit reporting agencies to ensure accuracy. \n\nThe bureaus are also in violation of 15 U.S.C. XXXX, which requires disputed items to be investigated and corrected or removed within XXXX  days, and 15 U.S.C. XXXX, which entitles me to accurate and complete information about my file.","date_sent_to_company":"2025-09-27T03:51:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"16223744","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-27T03:51:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This complaint is being submitted because inaccurate and unauthorized accounts are <em>appearing</em> on my credit report. I did not create or authorize these accounts, and I was not notified when they were added. The <em>inconsistent</em> reporting across all XXXX bureaus is in clear violation of the <em>FCRA</em>, 15 U.S.C. XXXXXXXX ( b ), which <em>requires</em> credit reporting agencies to ensure accuracy. \n\nThe bureaus are also in violation of 15 U.S.C."]},"sort":[15.753344,"16223744"]},{"_index":"complaint-public-v1","_id":"16223743","_score":15.750787,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being submitted because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was not notified when they were added. The inconsistent reporting across all XXXX bureaus is in clear violation of the FCRA, 15 U.S.C. XXXXXXXX ( b ), which requires credit reporting agencies to ensure accuracy. \n\nThe bureaus are also in violation of 15 U.S.C. XXXX, which requires disputed items to be investigated and corrected or removed within XXXX  days, and 15 U.S.C. XXXX, which entitles me to accurate and complete information about my file.","date_sent_to_company":"2025-09-27T03:51:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"16223743","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-27T03:51:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This complaint is being submitted because inaccurate and unauthorized accounts are <em>appearing</em> on my credit report. I did not create or authorize these accounts, and I was not notified when they were added. The <em>inconsistent</em> reporting across all XXXX bureaus is in clear violation of the <em>FCRA</em>, 15 U.S.C. XXXXXXXX ( b ), which <em>requires</em> credit reporting agencies to ensure accuracy. \n\nThe bureaus are also in violation of 15 U.S.C."]},"sort":[15.750787,"16223743"]},{"_index":"complaint-public-v1","_id":"21060087","_score":15.722287,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against LMMINC regarding inaccurate, inconsistent, and misleading reporting of a collection account on my credit report. \n\nThis account, originally from XXXX XXXX, is currently being reported with significant inconsistencies across the credit bureaus. \n\nSpecifically : * The account is reported as open on one bureau and closed on others * The dispute status is not consistent across all bureaus * Key account details such as dates and account status vary These inconsistencies raise serious concerns regarding the accuracy and reliability of the information being reported. \n\nAdditionally, this is a medical collection account, which is subject to strict reporting requirements. The current reporting appears incomplete and misleading. \n\nUnder the Fair Credit Reporting Act ( FCRA ), collection agencies are required to : * Report information that is accurate, complete, and not misleading * Conduct a reasonable investigation of disputed information * Properly update dispute status across all credit bureaus The current reporting does not meet these requirements.","date_sent_to_company":"2026-04-08T18:23:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"77521","tags":null,"has_narrative":true,"complaint_id":"21060087","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lockhart, Morris & Montgomery Inc.","date_received":"2026-04-08T18:21:40.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( <em>FCRA</em> ), collection agencies are <em>required</em> to : * Report information that is accurate, complete, and not misleading * Conduct a reasonable <em>investigation</em> of disputed information * Properly update dispute status across all credit bureaus The current reporting does not meet these requirements."]},"sort":[15.722287,"21060087"]},{"_index":"complaint-public-v1","_id":"21690081","_score":15.719347,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"have disputed the Exeter Finance account multiple times over the past several months, approximately every 60 days, due to inaccurate and inconsistent reporting on my credit file.\n\nThe account is reported as closed, yet continues to reflect a high outstanding balance. The payment history is inconsistent and appears incomplete. In addition, key account details such as monthly payment information and full verification data have not been properly provided.\n\nDuring each dispute, I specifically requested the method of verification, supporting documentation validating the reported balance, and clarification of the account status. However, the account continues to be reported without adequate verification or correction.\n\nDespite repeated disputes, the company has failed to provide proper documentation or resolve the inaccuracies. This continued reporting of unverifiable and inconsistent information is misleading and does not meet the standards required under the Fair Credit Reporting Act ( FCRA ).\n\nI am requesting that this account be fully investigated and deleted if it can not be verified as accurate and complete.","date_sent_to_company":"2026-04-29T00:32:12.000Z","issue":"Incorrect information on your report","sub_product":"Lease","zip_code":"38671","tags":null,"has_narrative":true,"complaint_id":"21690081","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2026-04-29T00:23:17.000Z","state":"MS","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This continued reporting of unverifiable and <em>inconsistent</em> information is misleading and does not meet the standards <em>required</em> under the Fair Credit Reporting Act ( <em>FCRA</em> ).\n\nI am requesting that this account be fully <em>investigated</em> and deleted if it can not be verified as accurate and complete."]},"sort":[15.719347,"21690081"]},{"_index":"complaint-public-v1","_id":"14792906","_score":15.645126,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I submitted a formal dispute letter to Experian requesting an investigation and correction of inaccurate information appearing on my credit report. However, following their investigation, Experian responded by verifying several accounts yet these accounts still contain inaccurate and unverifiable information, and they are not reporting with the maximum possible accuracy as required by the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ).\n\nSpecific issues include : Accounts that were \" verified '' but still contain inconsistent balances, statuses, or payment histories. \n\nNo reasonable investigation appears to have been conducted, as the errors I identified remain unchanged. \n\nThe continued reporting of inaccurate information despite my formal dispute is causing ongoing harm to my creditworthiness. \n\nI am requesting the Consumer Financial Protection Bureau to investigate Experian for failure to meet its legal obligations under the FCRA and compel them to : Provide a reasonable explanation and documentation verifying their investigation. \n\nRemove all inaccurate, unverifiable, or outdated information from my credit report in accordance with federal law.","date_sent_to_company":"2025-07-22T02:59:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"36695","tags":"Servicemember","has_narrative":true,"complaint_id":"14792906","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-22T02:34:11.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I submitted a formal dispute letter to Experian requesting an <em>investigation</em> and correction of inaccurate information <em>appearing</em> on my credit report. However, following their <em>investigation</em>, Experian responded by verifying several accounts yet these accounts still contain inaccurate and unverifiable information, and they are not reporting with the maximum possible accuracy as <em>required</em> by the Fair Credit Reporting Act ( <em>FCRA</em> ) Section 607 ( b )."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.645126,"14792906"]},{"_index":"complaint-public-v1","_id":"14764926","_score":15.6406555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I submitted a formal dispute letter to EQUIFAX requesting an investigation and correction of inaccurate information appearing on my credit report. However, following their investigation, EQUIFAX responded by verifying several accounts yet these accounts still contain inaccurate and unverifiable information, and they are not reporting with the maximum possible accuracy as required by the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ).\n\nSpecific issues include : Accounts that were \" verified '' but still contain inconsistent balances, statuses, or payment histories.\n\nNo reasonable investigation appears to have been conducted, as the errors I identified remain unchanged.\n\nThe continued reporting of inaccurate information despite my formal dispute is causing ongoing harm to my creditworthiness.\n\nI am requesting the Consumer Financial Protection Bureau to investigate EQUIFAX for failure to meet its legal obligations under the FCRA and compel them to : Provide a reasonable explanation and documentation verifying their investigation.\n\nRemove all inaccurate, unverifiable, or outdated information from my credit report in accordance with federal law.","date_sent_to_company":"2025-07-22T03:11:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"36695","tags":"Servicemember","has_narrative":true,"complaint_id":"14764926","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-22T03:04:48.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I submitted a formal dispute letter to EQUIFAX requesting an <em>investigation</em> and correction of inaccurate information <em>appearing</em> on my credit report. However, following their <em>investigation</em>, EQUIFAX responded by verifying several accounts yet these accounts still contain inaccurate and unverifiable information, and they are not reporting with the maximum possible accuracy as <em>required</em> by the Fair Credit Reporting Act ( <em>FCRA</em> ) Section 607 ( b )."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.6406555,"14764926"]},{"_index":"complaint-public-v1","_id":"16976468","_score":15.634306,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, Account # XXXX I am writing to formally dispute inaccurate and inconsistent information appearing on my credit report regarding the above-referenced charge-off account. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and immediate correction or removal of any unverifiable or inaccurate information. \n\nSpecific Inaccuracies Disclosed : ( Replace with your actual issues or leave blank for me to fill in ) Dates do not match between bureaus ( Date of First Delinquency / Date Opened/ Date Closed ). \n\nBalance reporting inconsistently ( balance showing after the account was paid/settled ). \n\nXXXX reported inaccurately, including contradictory charge-off, closed, paid, or past-due statuses. \n\nPayment history inaccurately marked, including late payments after the charge-off date. \n\nDuplicate reporting or re-aging of the debt, which is prohibited. \n\nThese inconsistencies violate FCRA requirements for accurate and verifiable reporting. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation. If the furnisher can not verify each disputed item with documented evidence, the information must be deleted from my credit file. \n\nRequested Action : XXXX a full investigation into the accuracy of this account. \n\nProvide me with written verification of the information from the furnisher. \n\nDelete any portion of the reporting that can not be 100 % verified with original records. \n\nProvide me with an updated credit report reflecting all corrections. \n\nI have enclosed copies of my identification and any supporting documents relevant to this dispute. Please complete your investigation within the required XXXX FCRA timeframe and send me written confirmation of the results. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-11-02T07:41:29.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"40299","tags":null,"has_narrative":true,"complaint_id":"16976468","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-02T07:28:22.000Z","state":"KY","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["To Whom It May Concern, Account # XXXX I am writing to formally dispute inaccurate and <em>inconsistent</em> information <em>appearing</em> on my credit report regarding the above-referenced charge-off account. Under the Fair Credit Reporting Act ( <em>FCRA</em> ), I am requesting a full <em>investigation</em> and immediate correction or removal of any unverifiable or inaccurate information."]},"sort":[15.634306,"16976468"]},{"_index":"complaint-public-v1","_id":"16976219","_score":15.634306,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, Account # XXXX I am writing to formally dispute inaccurate and inconsistent information appearing on my credit report regarding the above-referenced charge-off account. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and immediate correction or removal of any unverifiable or inaccurate information. \n\nSpecific Inaccuracies Disclosed : ( Replace with your actual issues or leave blank for me to fill in ) Dates do not match between bureaus ( Date of First Delinquency / Date Opened/ Date Closed ). \n\nBalance reporting inconsistently ( balance showing after the account was paid/settled ).\n\nStatus reported inaccurately, including contradictory charge-off, closed, paid, or past-due statuses.\n\nPayment history inaccurately marked, including late payments after the charge-off date.\n\nDuplicate reporting or re-aging of the debt, which is prohibited.\n\nThese inconsistencies violate FCRA requirements for accurate and verifiable reporting. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation. If the furnisher can not verify each disputed item with documented evidence, the information must be deleted from my credit file. \n\nRequested Action : Conduct a full investigation into the accuracy of this account.\n\nProvide me with written verification of the information from the furnisher. \n\nDelete any portion of the reporting that can not be 100 % verified with original records. \n\nProvide me with an updated credit report reflecting all corrections. \n\nI have enclosed copies of my identification and any supporting documents relevant to this dispute. Please complete your investigation within the required 30-day FCRA timeframe and send me written confirmation of the results. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-11-02T08:02:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"40299","tags":null,"has_narrative":true,"complaint_id":"16976219","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-02T07:49:20.000Z","state":"KY","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["To Whom It May Concern, Account # XXXX I am writing to formally dispute inaccurate and <em>inconsistent</em> information <em>appearing</em> on my credit report regarding the above-referenced charge-off account. Under the Fair Credit Reporting Act ( <em>FCRA</em> ), I am requesting a full <em>investigation</em> and immediate correction or removal of any unverifiable or inaccurate information."]},"sort":[15.634306,"16976219"]},{"_index":"complaint-public-v1","_id":"19797250","_score":15.618097,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I disputed inaccurate information on my credit report regarding an Oportun account that was later assigned or sold to XXXX XXXX. \n\nI submitted a dispute to XXXX  and requested the method of verification ( MOV ). Despite my dispute, the account was verified without providing sufficient documentation or explanation of how the information was confirmed as accurate. \n\nThe account is being reported inaccurately because : The balance and status information is inconsistent The original creditor and collection reporting appear duplicative and/or improperly updated The investigation did not correct the disputed errors Under the Fair Credit Reporting Act ( FCRA ), a reasonable investigation is required when a consumer disputes information. Simply verifying the account without correcting inaccuracies or providing proper documentation does not satisfy that requirement. \n\nI am requesting that the inaccurate information be corrected or deleted and that a proper investigation be conducted in compliance with the FCRA.","date_sent_to_company":"2026-02-26T03:32:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Installment loan","zip_code":"797XX","tags":null,"has_narrative":true,"complaint_id":"19797250","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OPORTUN FINANCIAL CORPORATION","date_received":"2026-02-26T03:12:34.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The account is being reported inaccurately because : The balance and status information is <em>inconsistent</em> The original creditor and collection reporting <em>appear</em> duplicative and/or improperly updated The <em>investigation</em> did not correct the disputed errors Under the Fair Credit Reporting Act ( <em>FCRA</em> ), a reasonable <em>investigation</em> is <em>required</em> when a consumer disputes information."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.618097,"19797250"]},{"_index":"complaint-public-v1","_id":"17310888","_score":15.591517,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding Capital Ones inaccurate, inconsistent, and unverifiable reporting across all three nationwide credit reporting agencies : XXXX XXXX XXXX XXXX. The same incorrect information appears on all three bureaus, and Capital One has failed to properly investigate or correct the errors. These issues violate multiple sections of the Fair Credit Reporting Act ( FCRA ), and I am requesting full intervention from the CFPB. \n\nCAPITAL ONE FURNISHER ADDRESS : Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS INCLUDED IN THIS COMPLAINT : XXXX. Capital One Account : XXXX XXXX. Capital One Account : XXXX XXXX. Capital One Account : XXXX THESE ERRORS APPEAR ON : XXXX XXXX XXXX All three agencies are showing the same or similar inaccurate data that originates from Capital One. \n\nISSUES WITH CAPITAL ONE REPORTING : XXXX. Incorrect and Contradictory Late Payment Reporting All three Capital One accounts contain late payments that conflict with the payment history appearing directly in the bureaus data tables. Some months show the account as Current while others list XXXX or XXXX  days late for the same dates. This violates FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that is known or should be known to be inaccurate. \nXXXX. Conflicting and Illogical Balance History Data Across all three bureaus, the Capital One accounts show mismatched balances, balances increasing with no activity, balances decreasing without payments, and payments showing as XXXX even when balances change. Some months show updates occurring before the recorded payment date. This violates FCRA Section 607 ( b ), which requires maximum possible accuracy.\n\n3. Appearance of Invalid date in the Account Comments Multiple Capital One accounts contain the phrase Invalid date in the comments section. This appears across bureaus and indicates corrupted data. This violates FCRA Sections 607 ( b ) and 623 ( a ) ( 2 ), as it is incomplete and unreliable information. \nXXXX. Repeated Account previously in dispute investigation complete Comments The accounts show repeated dispute notations even when no dispute is currently open. This suggests incomplete or improperly updated investigations, violating FCRA Section 623 ( b ), which requires furnishers to conduct proper reinvestigations and update the bureaus accurately. \nXXXX. Failure to Accurately Report Monthly Payment Amounts XXXX all three credit bureaus, several monthly payment amounts are listed as XXXX even when balances change or charges were posted. Required payment amounts and actual payment activity do not align. This indicates incomplete or incorrect reporting and violates FCRA XXXX XXXX ( b ). \nXXXX. Inconsistent Reporting of Credit Limit and High Balance Capital Ones reporting of credit limits and high balances changes inconsistently across the XXXX bureaus. This contradicts the account history and violates FCRA Section 623 ( a ).\n\nI request that the CFPB require Capital One to : Conduct a full and lawful reinvestigation of all three accounts pursuant to FCRA Section 623 ( b ). \nCorrect or delete all inaccurate late payment data. \nRemove all corrupted data such as Invalid date. \nCorrect all inconsistent balance histories. \nRemove improper or outdated dispute comments. \nProvide verification through original records, not automated system responses. \nUpdate all three credit reporting agencies ( XXXX XXXX XXXX ) with corrected information. \nDelete any information that can not be verified using original documentation, as required under FCRA Sections 607 ( b ) and 611 ( a ). \n\nMY INFORMATION : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  Report Number : XXXX XXXX  and XXXX  XXXX contain XXXX errors originating from Capital One. \nXXXX  Report Date : XX/XX/year>XXXX XXXX","date_sent_to_company":"2025-11-17T03:56:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94124","tags":null,"has_narrative":true,"complaint_id":"17310888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-17T03:36:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Required</em> payment amounts and actual payment activity do not align. 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