{"took":387,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":8789,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6514463","_score":14.329536,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian is reporting that I have a miss payment and my account and they do a investigation that only one day they never inform me by mail or do a proper investigation the need to remove the late payment from my credit score because the can not send me proper proof and documentation of the investigation that they did and prove that Im late because XXXX reporting that Im not late while Experian reporting late payment and damaging and hurting my credit score and ruin my reputation they need to remove the late payment or send me proof and documentation in the mail","date_sent_to_company":"2023-02-02T05:09:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33032","tags":null,"has_narrative":true,"complaint_id":"6514463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-02T04:59:50.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["the late payment or <em>send</em> me <em>proof</em> and <em>documentation</em> in the mail"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.329536,"6514463"]},{"_index":"complaint-public-v1","_id":"13065939","_score":13.792833,"_source":{"product":"Debt collection","complaint_what_happened":"The company has failed to provide me with the proper documentation to validate this debt they must send me all required documentation and follow the procedures before validating this debt they sent me a vague letter and response which isnt enough to validate this debt. I need tracking numbers and proof of when the notices were sent within the time of when they were supposed to be sent. They were suppose to file me as a 1099c and send me a copy with is REQUIRED and they havent sent anything to validate the proof. Investigation is required and want documentation and actual proof of documentation otherwise the information is in fact, inaccurate. They have to provide late payment notices, deficiency balance and how the proceeds were applied to the account and notices of negative information if they can not prove they sent the documentation the information is unverifiable and inaccurate which is a violation of my consumer rights.","date_sent_to_company":"2025-04-19T00:28:00.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"44128","tags":null,"has_narrative":true,"complaint_id":"13065939","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GFS II, LLC","date_received":"2025-04-19T00:12:31.000Z","state":"OH","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["They were suppose to file me as a 1099c and <em>send</em> me a copy with is REQUIRED and they havent sent anything to validate the <em>proof</em>. <em>Investigation</em> is required and want <em>documentation</em> and actual <em>proof</em> of <em>documentation</em> otherwise the information is in fact, inaccurate."]},"sort":[13.792833,"13065939"]},{"_index":"complaint-public-v1","_id":"13392139","_score":13.74646,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm now requesting proof of the previous investigation. I'm asking you send you method of investigation, along with all the record who you spoke with their business address and names, phone number XXXX well of documentation that proof this account was late, if you can't provided me with this information in 15 days update this accounts to PAID/NEVER LATE and send me a copy with a copy with my update report.","date_sent_to_company":"2025-05-07T23:42:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07087","tags":null,"has_narrative":true,"complaint_id":"13392139","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-07T22:55:00.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I'm now requesting <em>proof</em> of the previous <em>investigation</em>. I'm asking you <em>send</em> you method of <em>investigation</em>, along with all the record who you spoke with their business address and names, phone number XXXX well of <em>documentation</em> that <em>proof</em> this account was late, if you can't provided me with this information in 15 days update this accounts to PAID/NEVER LATE and <em>send</em> me a copy with a copy with my update report."]},"sort":[13.74646,"13392139"]},{"_index":"complaint-public-v1","_id":"13388727","_score":13.72153,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm now requesting proof of the previous investigation. I'm asking you send you method of investigation, along with all the record who you spoke with their business address and names, phone number XXXX well of documentation that proof this account was late, if you can't provided me with this information in 15 days update this accounts to PAID/NEVER LATE and send me a copy with a copy with my update report.","date_sent_to_company":"2025-05-07T23:41:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07087","tags":null,"has_narrative":true,"complaint_id":"13388727","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-07T23:41:31.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I'm now requesting <em>proof</em> of the previous <em>investigation</em>. I'm asking you <em>send</em> you method of <em>investigation</em>, along with all the record who you spoke with their business address and names, phone number XXXX well of <em>documentation</em> that <em>proof</em> this account was late, if you can't provided me with this information in 15 days update this accounts to PAID/NEVER LATE and <em>send</em> me a copy with a copy with my update report."]},"sort":[13.72153,"13388727"]},{"_index":"complaint-public-v1","_id":"13385827","_score":13.72153,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm now requesting proof of the previous investigation. I'm asking you send you method of investigation, along with all the record who you spoke with their business address and names, phone number XXXX well of documentation that proof this account was late, if you can't provided me with this information in 15 days update this accounts to PAID/NEVER LATE and send me a copy with a copy with my update report.","date_sent_to_company":"2025-05-07T23:41:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07087","tags":null,"has_narrative":true,"complaint_id":"13385827","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-07T23:41:31.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I'm now requesting <em>proof</em> of the previous <em>investigation</em>. I'm asking you <em>send</em> you method of <em>investigation</em>, along with all the record who you spoke with their business address and names, phone number XXXX well of <em>documentation</em> that <em>proof</em> this account was late, if you can't provided me with this information in 15 days update this accounts to PAID/NEVER LATE and <em>send</em> me a copy with a copy with my update report."]},"sort":[13.72153,"13385827"]},{"_index":"complaint-public-v1","_id":"6647612","_score":13.65971,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I asked Equifax to RE-INVESTIGATION this account and Send Me Documentation of the re-investigation : on XXXX/XXXX/XXXX Equifax stated that XXXX  XXXX # XXXX has verified this account as accurate reporting but never sent any proof documents for their claim. Please send me the paperwork and the description of the re-investigation that was used to verify this account","date_sent_to_company":"2023-03-04T22:25:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30013","tags":null,"has_narrative":true,"complaint_id":"6647612","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-04T21:47:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I asked Equifax to RE-<em>INVESTIGATION</em> this account and <em>Send</em> Me <em>Documentation</em> of the re-<em>investigation</em> : on XXXX/XXXX/XXXX Equifax stated that XXXX  XXXX # XXXX has verified this account as accurate reporting but never sent any <em>proof</em> documents for their claim. Please <em>send</em> me the paperwork and the description of the re-<em>investigation</em> that was used to verify this account"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.65971,"6647612"]},{"_index":"complaint-public-v1","_id":"8157627","_score":13.41334,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have lost my wallet and someone use my debit card on their XXXX on XX/XX/XXXX and XXXX totaling XXXX. I have call chime bank to file a dispute 16 time and all has been deny. I have send them my police report and my XXXX  statement which clearly there was no transaction on my XXXX  for XX/XX/XXXX and XXXX but chime still deny it when I clearly have proof and evidence. Now chime wont even open a rubuttal for my case saying they need new documentation but I mean how when they dont even look at my documentation I send them. The documentation I send has all the proof. Chime bank just wont investigate and will just deny everyone claim and are so rude to their customers hanging up on me all the time. When I send in my documents even the dispute supervisor see my documents and say I am right I have proof that I did not made those transactions on my behalf but the dispute team still deny it 16 time. Chime wont bother helping their customer get their money back. This is ridiculous when I have proof n documentation. Chime need to be close down for not caring for their customers.","date_sent_to_company":"2024-01-14T22:52:08.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"29406","tags":null,"has_narrative":true,"complaint_id":"8157627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-01-14T22:37:05.000Z","state":"SC","company_public_response":null,"sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["I have <em>send</em> them my police report and my XXXX  statement which clearly there was no transaction on my XXXX  for XX/XX/XXXX and XXXX but chime still deny it when I clearly have <em>proof</em> and evidence. Now chime wont even open a rubuttal for my case saying they need new <em>documentation</em> but I mean how when they dont even look at my <em>documentation</em> I <em>send</em> them. The <em>documentation</em> I <em>send</em> has all the <em>proof</em>."]},"sort":[13.41334,"8157627"]},{"_index":"complaint-public-v1","_id":"10926495","_score":13.370144,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that is being reported on my credit report. \nSpecifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX BALANCE : {$6900.00} Reason : Its disheartening to see that this account is being inaccurately reported as charged off with an outstanding balance. I kindly ask for proof of the charge off and request that the balance be corrected to {$0.00}, or for the negative payment status to be removed. \nI am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status for this account, or, if possible, remove the negative information altogether. \nDate of Last Activity : Inaccurate Close Date : Inaccurate Last verified : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : I am deeply troubled by the missed and late payments reported on this account. I kindly ask for the statements and records of all payments made and missed since I opened this account, as I dispute these charges. \nI am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status on this account, or, if possible, remove the negative information entirely. \n\nAccount Name : XXXX XXXX Account Number : XXXX Reason : I am deeply troubled by the missed and late payments reported on this account. I kindly ask for the statements and records of all payments made and missed since I opened this account, as I dispute these charges. \nI am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status on this account, or, if possible, remove the negative information entirely. \n\nAccount Name : XXXX Account Number : XXXX Reason : The current payment status of 30 days past due is incorrect, as the balance on this account is {$0.00}. I disagree with the findings of your investigation. Please provide me with the proof of your investigation and documentation of the negative payment status or remove the negative information from this account. \n\nAccount Name : XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\n\nAccount Name : XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\nAccount Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX BALANCE : {$0.00} Reason : I am deeply troubled by the missed and late payments reported on this account. I kindly ask for the statements and records of all payments made and missed since I opened this account, as I dispute these charges. \nI am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status on this account, or, if possible, remove the negative information entirely. \nDate of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\nAccount Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \nThese items appear to be reported incorrectly or have already been resolved, and I respectfully request that they be carefully reviewed and corrected. Ive already reached out to both the credit reporting agency and the data furnisher, but the issue still persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please look into this matter as soon as possible and update my credit report with the correct information.","date_sent_to_company":"2024-11-25T18:44:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"10926495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-25T18:44:47.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please provide <em>proof</em> from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your <em>investigation</em>. Please <em>send</em> me the <em>proof</em> of your findings and <em>documentation</em> that this debt collector has the legal right to collect, or, if possible, delete this account entirely."]},"sort":[13.370144,"10926495"]},{"_index":"complaint-public-v1","_id":"10916834","_score":13.336117,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that is being reported on my credit report. \nSpecifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX BALANCE : {$6900.00} Reason : Its disheartening to see that this account is being inaccurately reported as charged off with an outstanding balance. I kindly ask for proof of the charge off and request that the balance be corrected to {$0.00}, or for the negative payment status to be removed. \nI am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status for this account, or, if possible, remove the negative information altogether. \nDate of Last Activity : Inaccurate Close Date : Inaccurate Last verified : Inaccurate Account Name : XXXX  Account Number : XXXX Reason : I am deeply troubled by the missed and late payments reported on this account. I kindly ask for the statements and records of all payments made and missed since I opened this account, as I dispute these charges. \nI am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status on this account, or, if possible, remove the negative information entirely. \n\nAccount Name XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply troubled by the missed and late payments reported on this account. I kindly ask for the statements and records of all payments made and missed since I opened this account, as I dispute these charges. \nI am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status on this account, or, if possible, remove the negative information entirely. \n\nAccount Name : XXXX  Account Number : XXXX Reason : The current payment status of 30 days past due is incorrect, as the balance on this account is {$0.00}. I disagree with the findings of your investigation. Please provide me with the proof of your investigation and documentation of the negative payment status or remove the negative information from this account. \n\nAccount Name : XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\n\nAccount Name : XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\nAccount Name : XXXXXXXX XXXX XXXX Account Number : XXXX BALANCE : {$0.00} Reason : I am deeply troubled by the missed and late payments reported on this account. I kindly ask for the statements and records of all payments made and missed since I opened this account, as I dispute these charges. \nI am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status on this account, or, if possible, remove the negative information entirely. \nDate of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \nThese items appear to be reported incorrectly or have already been resolved, and I respectfully request that they be carefully reviewed and corrected. Ive already reached out to both the credit reporting agency and the data furnisher, but the issue still persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please look into this matter as soon as possible and update my credit report with the correct information.","date_sent_to_company":"2024-11-25T18:44:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"10916834","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-25T18:44:47.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please provide <em>proof</em> from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your <em>investigation</em>. Please <em>send</em> me the <em>proof</em> of your findings and <em>documentation</em> that this debt collector has the legal right to collect, or, if possible, delete this account entirely."]},"sort":[13.336117,"10916834"]},{"_index":"complaint-public-v1","_id":"10925097","_score":13.322205,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate information that is being reported on my credit report. \nSpecifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX BALANCE : {$6900.00} Reason : Its disheartening to see that this account is being inaccurately reported as charged off with an outstanding balance. I kindly ask for proof of the charge off and request that the balance be corrected to {$0.00}, or for the negative payment status to be removed. \nI am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status for this account, or, if possible, remove the negative information altogether. \nDate of Last Activity : Inaccurate Close Date : Inaccurate Last verified : Inaccurate Account Name : XXXX Account Number : XXXX Reason : I am deeply troubled by the missed and late payments reported on this account. I kindly ask for the statements and records of all payments made and missed since I opened this account, as I dispute these charges. \nI am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status on this account, or, if possible, remove the negative information entirely. \n\nAccount Name : XXXX XXXX  Account Number : XXXX Reason : I am deeply troubled by the missed and late payments reported on this account. I kindly ask for the statements and records of all payments made and missed since I opened this account, as I dispute these charges. \nI am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status on this account, or, if possible, remove the negative information entirely. \n\nAccount Name : XXXX Account Number : XXXX Reason : The current payment status of 30 days past due is incorrect, as the balance on this account is {$0.00}. I disagree with the findings of your investigation. Please provide me with the proof of your investigation and documentation of the negative payment status or remove the negative information from this account. \n\nAccount XXXX : XXXX Account XXXX : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\n\nAccount XXXX : XXXX Account XXXX : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\nAccount Name : XXXX XXXX XXXX  Account Number : XXXX BALANCE : {$0.00} Reason : I am deeply troubled by the missed and late payments reported on this account. I kindly ask for the statements and records of all payments made and missed since I opened this account, as I dispute these charges. \nI am truly disappointed with the outcome of your investigation. Please send me the proof of your findings and the evidence of the negative payment status on this account, or, if possible, remove the negative information entirely. \nDate of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate Account Name : XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely. \n\nAccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector for any debt, and its disheartening to see this reported. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your investigation. Please send me the proof of your findings and documentation that this debt collector has the legal right to collect, or, if possible, delete this account entirely.\n\nThese items appear to be reported incorrectly or have already been resolved, and I respectfully request that they be carefully reviewed and corrected. Ive already reached out to both the credit reporting agency and the data furnisher, but the issue still persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please look into this matter as soon as possible and update my credit report with the correct information.","date_sent_to_company":"2024-11-25T18:44:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"10925097","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-25T18:26:18.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please provide <em>proof</em> from the original creditor that this debt collector owns the debt and has the legal right to collect it or kindly remove this account from my record. \nIm saddened by the outcome of your <em>investigation</em>. Please <em>send</em> me the <em>proof</em> of your findings and <em>documentation</em> that this debt collector has the legal right to collect, or, if possible, delete this account entirely."]},"sort":[13.322205,"10925097"]},{"_index":"complaint-public-v1","_id":"4880196","_score":13.304521,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted the bureaus multiple times on this issue. my initial investigation started XX/XX/2021 and is long overdue for removal under the terms that the bureaus have yet to send me proof that I in fact submitted these inquires myself such as original documentation with my signature, instead, they just send letters saying it's been verified but they are going against the FCRA by not sending me the proof they obtained! I've pleaded for proof but still, no proof has been sent! here is a copy of the letter Equifax sent me in response saying it's been verified. if you in fact verified this account why have you yet to send the proof of verification to me as well! please help me in this matter! they are affecting my credit report negatively! this also goes for XXXX and XXXX","date_sent_to_company":"2021-11-06T04:18:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30046","tags":null,"has_narrative":true,"complaint_id":"4880196","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-11-06T00:01:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I have contacted the bureaus multiple times on this issue. my initial <em>investigation</em> started XX/XX/2021 and is long overdue for removal under the terms that the bureaus have yet to <em>send</em> me <em>proof</em> that I in fact submitted these inquires myself such as original <em>documentation</em> with my signature, instead, they just <em>send</em> letters saying it's been verified but they are going against the FCRA by not <em>sending</em> me the <em>proof</em> they obtained! I've pleaded for <em>proof</em> but still, no <em>proof</em> has been sent!"]},"sort":[13.304521,"4880196"]},{"_index":"complaint-public-v1","_id":"9340354","_score":13.245092,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am now requesting proof of the previous investigation.Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX days update the account to PAID/NEVER late and send a copy of my updated credit report","date_sent_to_company":"2024-06-25T01:10:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06810","tags":null,"has_narrative":true,"complaint_id":"9340354","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2024-06-25T00:26:34.000Z","state":"CT","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am now requesting <em>proof</em> of the previous <em>investigation</em>.Im asking that you <em>send</em> your method of <em>investigation</em>, along with all records of who you spoke with, their business address, name, and phone number as well as <em>documentation</em> that proves this account was late, if you can not provide me with this information in XXXX days update the account to PAID/NEVER late and <em>send</em> a copy of my updated credit report"]},"sort":[13.245092,"9340354"]},{"_index":"complaint-public-v1","_id":"12646194","_score":13.245092,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am now requesting proof of the previous investigation. Im asking that you send your method of investigation along with all records of who you spoke with their business address, name and phone number as well as documentation that proves this account was late if you can not provide me with this information in 15 days, update the account to paid /never late and send me a copy of my updated credit report.","date_sent_to_company":"2025-03-24T06:55:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48035","tags":null,"has_narrative":true,"complaint_id":"12646194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-24T06:54:46.000Z","state":"MI","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 now requesting <em>proof</em> of the previous <em>investigation</em>. Im asking that you <em>send</em> your method of <em>investigation</em> along with all records of who you spoke with their business address, name and phone number as well as <em>documentation</em> that proves this account was late if you can not provide me with this information in 15 days, update the account to paid /never late and <em>send</em> me a copy of my updated credit report."]},"sort":[13.245092,"12646194"]},{"_index":"complaint-public-v1","_id":"14191860","_score":13.238747,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive sent multiple letters requesting that each credit bureau send me copies of the documentation that was used to \" verify '' accounts on my report. I asked for the specific copy/proof that was used to show that the evidence and documentation that was used is metro XXXX XXXX. This is my right under the FCRA 15usc 1681 ( i ). I politely asked that each bureau simply not respond with \" verified/accurate '' and to just simply please re-investigate and send me copies of the evidence that was recieved from the crediors. I as a consumer have recieved NOTHING! Only immediate responses of \" account verified ''. \n\nSince I havent recieved no such documentation I have to conclude that nothing has been reinvestigated or verified and my rights have been violated inregards to FCRA 611a7. I havent recieved written proof that information was forwarded to the credior nor the required information you used in your investigation to affirm my earlier disputes","date_sent_to_company":"2025-06-20T19:07:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63136","tags":null,"has_narrative":true,"complaint_id":"14191860","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-20T19:07:14.000Z","state":"MO","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":["Ive sent multiple letters requesting that each credit bureau <em>send</em> me copies of the <em>documentation</em> that was used to \" verify '' accounts on my report. I asked for the specific copy/<em>proof</em> that was used to show that the evidence and <em>documentation</em> that was used is metro XXXX XXXX. This is my right under the FCRA 15usc 1681 ( i )."],"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":[13.238747,"14191860"]},{"_index":"complaint-public-v1","_id":"9337831","_score":13.228031,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/NEVER late and send me a copy of my updated credit report regarding dates ( list dates ) for XXXX XXXX XXXX XXXX XXXX XXXX this should not be late send proof now. \nAlso, please pass this along. 15 USC 1681s-2 ( F )","date_sent_to_company":"2024-06-25T07:40:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28215","tags":null,"has_narrative":true,"complaint_id":"9337831","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-25T07:40:19.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am now requesting <em>proof</em> of the previous <em>investigation</em>."]},"sort":[13.228031,"9337831"]},{"_index":"complaint-public-v1","_id":"9337737","_score":13.228031,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update this account to PAID/NEVER late and send me a copy of my updated credit report regarding dates ( list dates ) for APPLE CARD/GS BANK USA XXXX XXXX this should not be late send proof now. \nAlso, please pass this along. 15 USC 1681s-2 ( F )","date_sent_to_company":"2024-06-25T07:40:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28215","tags":null,"has_narrative":true,"complaint_id":"9337737","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2024-06-25T07:17:51.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am now requesting <em>proof</em> of the previous <em>investigation</em>."]},"sort":[13.228031,"9337737"]},{"_index":"complaint-public-v1","_id":"9200247","_score":13.225372,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting proof of the previous investigation. Please send me your method of investigation, along with all records of who you spoke with, their business address, name, and phone number, as well as documentation that proves this account was late. If you can not provide me with this information in 15 days, please update the account to PAID/NEVER late and send me a copy of my updated credit report.","date_sent_to_company":"2024-06-07T14:54:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"98032","tags":null,"has_narrative":true,"complaint_id":"9200247","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-07T14:54:32.000Z","state":"WA","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 requesting <em>proof</em> of the previous <em>investigation</em>. Please <em>send</em> me your method of <em>investigation</em>, along with all records of who you spoke with, their business address, name, and phone number, as well as <em>documentation</em> that proves this account was late. If you can not provide me with this information in 15 days, please update the account to PAID/NEVER late and <em>send</em> me a copy of my updated credit report."]},"sort":[13.225372,"9200247"]},{"_index":"complaint-public-v1","_id":"12618813","_score":13.225372,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am now requesting proof of the previous investigation. Im asking that you send your method of investigation along with all records of who you spoke with their business address, name and phone number as well as documentation that proves this account was late if you can not provide me with this information in 15 days, update the account to paid /never late and send me a copy of my updated credit report.","date_sent_to_company":"2025-03-24T06:55:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48035","tags":null,"has_narrative":true,"complaint_id":"12618813","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-24T06:54:46.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am now requesting <em>proof</em> of the previous <em>investigation</em>. Im asking that you <em>send</em> your method of <em>investigation</em> along with all records of who you spoke with their business address, name and phone number as well as <em>documentation</em> that proves this account was late if you can not provide me with this information in 15 days, update the account to paid /never late and <em>send</em> me a copy of my updated credit report."]},"sort":[13.225372,"12618813"]},{"_index":"complaint-public-v1","_id":"14195078","_score":13.220037,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive sent multiple letters requesting that each credit bureau send me copies of the documentation that was used to \" verify '' accounts on my report. I asked for the specific copy/proof that was used to show that the evidence and documentation that was used is metro XXXX XXXX. This is my right under the FCRA 15usc 1681 ( i ). I politely asked that each bureau simply not respond with \" verified/accurate '' and to just simply please re-investigate and send me copies of the evidence that was recieved from the crediors. I as a consumer have recieved NOTHING! Only immediate responses of \" account verified ''. \n\nSince I havent recieved no such documentation I have to conclude that nothing has been reinvestigated or verified and my rights have been violated inregards to FCRA 611a7. I havent recieved written proof that information was forwarded to the credior nor the required information you used in your investigation to affirm my earlier disputes","date_sent_to_company":"2025-06-20T19:07:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63136","tags":null,"has_narrative":true,"complaint_id":"14195078","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-20T18:59:49.000Z","state":"MO","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":["Ive sent multiple letters requesting that each credit bureau <em>send</em> me copies of the <em>documentation</em> that was used to \" verify '' accounts on my report. I asked for the specific copy/<em>proof</em> that was used to show that the evidence and <em>documentation</em> that was used is metro XXXX XXXX. This is my right under the FCRA 15usc 1681 ( i )."],"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":[13.220037,"14195078"]},{"_index":"complaint-public-v1","_id":"9211376","_score":13.210035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting proof of the previous investigation. Please send me your method of investigation, along with all records of who you spoke with, their business address, name, and phone number, as well as documentation that proves this account was late. If you can not provide me with this information in 15 days, please update the account to PAID/NEVER late and send me a copy of my updated credit report.","date_sent_to_company":"2024-06-07T14:54:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"98032","tags":null,"has_narrative":true,"complaint_id":"9211376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-07T14:40:15.000Z","state":"WA","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 requesting <em>proof</em> of the previous <em>investigation</em>. Please <em>send</em> me your method of <em>investigation</em>, along with all records of who you spoke with, their business address, name, and phone number, as well as <em>documentation</em> that proves this account was late. If you can not provide me with this information in 15 days, please update the account to PAID/NEVER late and <em>send</em> me a copy of my updated credit report."]},"sort":[13.210035,"9211376"]},{"_index":"complaint-public-v1","_id":"12618955","_score":13.210035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am now requesting proof of the previous investigation. Im asking that you send your method of investigation along with all records of who you spoke with their business address, name and phone number as well as documentation that proves this account was late if you can not provide me with this information in 15 days, update the account to paid /never late and send me a copy of my updated credit report.","date_sent_to_company":"2025-03-24T06:55:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48035","tags":null,"has_narrative":true,"complaint_id":"12618955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-24T05:57:48.000Z","state":"MI","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 now requesting <em>proof</em> of the previous <em>investigation</em>. Im asking that you <em>send</em> your method of <em>investigation</em> along with all records of who you spoke with their business address, name and phone number as well as <em>documentation</em> that proves this account was late if you can not provide me with this information in 15 days, update the account to paid /never late and <em>send</em> me a copy of my updated credit report."]},"sort":[13.210035,"12618955"]},{"_index":"complaint-public-v1","_id":"9366425","_score":13.198142,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am now requesting proof of previous investigation. im asking that you send your method of investigation along with all records of who you spoke with, there business name and phone number as well as documentation that proves this account was late, if you can not provide me with information in 15 days update the account to PAID.NEVER late and send me a copy of my update credit report.","date_sent_to_company":"2024-06-25T01:44:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06810","tags":null,"has_narrative":true,"complaint_id":"9366425","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-25T01:44:20.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I am now requesting <em>proof</em> of previous <em>investigation</em>. im asking that you <em>send</em> your method of <em>investigation</em> along with all records of who you spoke with, there business name and phone number as well as <em>documentation</em> that proves this account was late, if you can not provide me with information in 15 days update the account to PAID.NEVER late and <em>send</em> me a copy of my update credit report."]},"sort":[13.198142,"9366425"]},{"_index":"complaint-public-v1","_id":"9366424","_score":13.198142,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am now requesting proof of previous investigation. im asking that you send your method of investigation along with all records of who you spoke with, there business name and phone number as well as documentation that proves this account was late, if you can not provide me with information in 15 days update the account to PAID.NEVER late and send me a copy of my update credit report.","date_sent_to_company":"2024-06-25T01:44:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06810","tags":null,"has_narrative":true,"complaint_id":"9366424","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-25T01:44:20.000Z","state":"CT","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I am now requesting <em>proof</em> of previous <em>investigation</em>. im asking that you <em>send</em> your method of <em>investigation</em> along with all records of who you spoke with, there business name and phone number as well as <em>documentation</em> that proves this account was late, if you can not provide me with information in 15 days update the account to PAID.NEVER late and <em>send</em> me a copy of my update credit report."]},"sort":[13.198142,"9366424"]},{"_index":"complaint-public-v1","_id":"9343927","_score":13.198142,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am now requesting proof of previous investigation. im asking that you send your method of investigation along with all records of who you spoke with, there business name and phone number as well as documentation that proves this account was late, if you can not provide me with information in 15 days update the account to PAID.NEVER late and send me a copy of my update credit report.","date_sent_to_company":"2024-06-25T01:44:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06810","tags":null,"has_narrative":true,"complaint_id":"9343927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-25T01:11:33.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I am now requesting <em>proof</em> of previous <em>investigation</em>. im asking that you <em>send</em> your method of <em>investigation</em> along with all records of who you spoke with, there business name and phone number as well as <em>documentation</em> that proves this account was late, if you can not provide me with information in 15 days update the account to PAID.NEVER late and <em>send</em> me a copy of my update credit report."]},"sort":[13.198142,"9343927"]},{"_index":"complaint-public-v1","_id":"8865271","_score":13.194308,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/NEVER late and send me a copy of my updated credit report regarding dates XXXXXXXX XXXX XXXXXXXX for account # XXXX, and dates XXXXXXXX XXXX  XXXX for account # XXXX, this should not be late send proof now. \n\nAlso, please pass this along.\n\n15 USC 1681s-2 ( F )","date_sent_to_company":"2024-04-26T13:26:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77007","tags":null,"has_narrative":true,"complaint_id":"8865271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-26T13:26:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status 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