{"took":112,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3739,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6514463","_score":15.51146,"_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":["Experian is <em>reporting</em> that I have a miss payment and my account and they do a <em>investigation</em> that only one day they never inform me by mail or do a proper <em>investigation</em> the need to remove the <em>late</em> payment from my credit score <em>because</em> the can not send me proper proof and documentation of the <em>investigation</em> that they did and <em>prove</em> that Im <em>late</em> <em>because</em> <em>XXXX</em> <em>reporting</em> that Im not <em>late</em> while Experian <em>reporting</em> <em>late</em> payment and damaging and hurting my credit score and ruin my reputation they need to remove"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[15.51146,"6514463"]},{"_index":"complaint-public-v1","_id":"5878824","_score":14.358986,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"EXPERIAN HAS FAILED TO PROPERLY INVESTIGATE A ERROR ON MY CREDIT REPORT. I SUBMITTED A COMPLAINT ON XX/XX/XXXX. ON XX/XX/XXXX EXPERIAN STARTED THEIR \" INVESTIGATION ''. ON XX/XX/XXXX LITERALLY 1 DAY LATER I RECEIVED A UPDATE THAT MY DISPUTE WAS UPDATED. INSTEAD OF REMOVING THIS LATE PAYMENT THAT WAS POSTED IN ERROR, EXPERIAN PLACED THE LATE PAYMENT FOR THE FOLLOWING MONTH. I HAVE PROVIDED ALL DOCUMENTS PROVING THAT THIS LATE PAYMENT WAS AN ERROR AND THAT THE ORIGINAL CREDITOR CORRECTED THIS ISSUE. I DO NOT FEEL SECURE DOING BUSINESS WITH EXPERIAN AS THEY CAUSED MY CREDIT SCORE TO DROP DRASTICALLY BECAUSE OF THIS FALSE LATE PAYMENT REPORTING.","date_sent_to_company":"2022-08-15T17:09:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19720","tags":null,"has_narrative":true,"complaint_id":"5878824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-08-15T17:02:17.000Z","state":"DE","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["EXPERIAN HAS FAILED TO PROPERLY <em>INVESTIGATE</em> A ERROR ON MY CREDIT <em>REPORT</em>. I SUBMITTED A COMPLAINT ON XX/XX/<em>XXXX</em>. ON XX/XX/<em>XXXX</em> EXPERIAN STARTED THEIR \" <em>INVESTIGATION</em> ''. ON XX/XX/<em>XXXX</em> LITERALLY 1 DAY <em>LATER</em> I RECEIVED A UPDATE THAT MY DISPUTE WAS UPDATED. INSTEAD OF REMOVING THIS <em>LATE</em> PAYMENT THAT WAS POSTED IN ERROR, EXPERIAN PLACED THE <em>LATE</em> PAYMENT FOR THE FOLLOWING MONTH."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.358986,"5878824"]},{"_index":"complaint-public-v1","_id":"6419773","_score":14.329418,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted the credit bureau because I had XXXX fraudulent accounts from XXXX XXXX  they were taking off my credit report because they were proving to be identity theft. XXXX month later they were placed back on my credit trousseau collections account from a company named XXXX XXXX. Please investigate into this because under my fcra this should have not occurred so can we please look into this as soon as possible Thanks","date_sent_to_company":"2023-01-11T06:22:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60462","tags":null,"has_narrative":true,"complaint_id":"6419773","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-11T06:22:18.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I contacted the credit bureau <em>because</em> I had <em>XXXX</em> fraudulent accounts from <em>XXXX</em> <em>XXXX</em>  they were taking off my credit <em>report</em> <em>because</em> they were <em>proving</em> to be identity theft. <em>XXXX</em> month <em>later</em> they were placed back on my credit trousseau collections account from a company named <em>XXXX</em> <em>XXXX</em>. Please <em>investigate</em> into this <em>because</em> under my fcra this should have not occurred so can we please look into this as soon as possible Thanks"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.329418,"6419773"]},{"_index":"complaint-public-v1","_id":"6419771","_score":14.315679,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted the credit bureau because I had 4 fraudulent accounts from XXXXXXXX XXXX they were taking off my credit report because they were proving to be identity theft. One month later they were placed back on my credit XXXX XXXX account from a company named XXXX XXXX. Please investigate into this because under my fcra this should have not occurred so can we please look into this as soon as possible Thanks","date_sent_to_company":"2023-01-11T06:22:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60462","tags":null,"has_narrative":true,"complaint_id":"6419771","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-11T06:22:18.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I contacted the credit bureau <em>because</em> I had 4 fraudulent accounts from XXXXXXXX <em>XXXX</em> they were taking off my credit <em>report</em> <em>because</em> they were <em>proving</em> to be identity theft. One month <em>later</em> they were placed back on my credit <em>XXXX</em> <em>XXXX</em> account from a company named <em>XXXX</em> <em>XXXX</em>. Please <em>investigate</em> into this <em>because</em> under my fcra this should have not occurred so can we please look into this as soon as possible Thanks"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.315679,"6419771"]},{"_index":"complaint-public-v1","_id":"6419690","_score":14.285526,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted the credit bureau because I had 4 fraudulent accounts from XXXX XXXX  they were taking off my credit report because they were proving to be identity theft. One month later they were placed back on my credit XXXX XXXX account from a company named XXXX XXXX. Please investigate into this because under my fcra this should have not occurred so can we please look into this as soon as possible Thanks","date_sent_to_company":"2023-01-11T06:22:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60462","tags":null,"has_narrative":true,"complaint_id":"6419690","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-11T06:06:03.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I contacted the credit bureau <em>because</em> I had 4 fraudulent accounts from <em>XXXX</em> <em>XXXX</em>  they were taking off my credit <em>report</em> <em>because</em> they were <em>proving</em> to be identity theft. One month <em>later</em> they were placed back on my credit <em>XXXX</em> <em>XXXX</em> account from a company named <em>XXXX</em> <em>XXXX</em>. Please <em>investigate</em> into this <em>because</em> under my fcra this should have not occurred so can we please look into this as soon as possible Thanks"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.285526,"6419690"]},{"_index":"complaint-public-v1","_id":"1906984","_score":14.066511,"_source":{"product":"Credit reporting","complaint_what_happened":"contacted experian in regards to incorrect information on my credit report. I received a letter today XXXX/XXXX/16 stating experian will not re-investigate the incorrect information for me. I have provided substantial information proving that these accts were never late. I am re-sending today copies again from the bank showing proof that my report is to be corrected. There are XXXX items on the report that are showing as negative ... ..I do not understand because under that it states paying as agreed but showing in potentially negative. These acct 's were never paid late and I have proof to show so. I am complaining because they ( experian ) sends me this letter stating they will not re-investigate for me.","date_sent_to_company":"2016-05-03T16:46:34.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"11787","tags":null,"has_narrative":true,"complaint_id":"1906984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-05-03T16:46:33.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Inadequate help over the phone"},"highlight":{"complaint_what_happened":["contacted experian in regards to incorrect information on my credit <em>report</em>. I received a letter today <em>XXXX</em>/<em>XXXX</em>/16 stating experian will not re-<em>investigate</em> the incorrect information for me. I have provided substantial information <em>proving</em> that these accts were never <em>late</em>. I am re-sending today copies again from the bank showing proof that my <em>report</em> is to be corrected."],"product":["Credit <em>reporting</em>"],"issue":["Credit <em>reporting</em> company's <em>investigation</em>"]},"sort":[14.066511,"1906984"]},{"_index":"complaint-public-v1","_id":"2886244","_score":13.965079,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXXXXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. \nPlease investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.","date_sent_to_company":"2018-04-24T18:59:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08085","tags":null,"has_narrative":true,"complaint_id":"2886244","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-04-24T18:59:29.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I recently pulled my credit <em>report</em> and found that <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>reported</em> a <em>late</em> payment of 90 days regarding my student loan accounts. I am requesting that this <em>late</em> payment be assessed for accuracy. I believe this <em>reporting</em> is incorrect <em>because</em> I have included the documentation to <em>prove</em> that my loans were in forbearance/deferment XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em> and didnt require any payments."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[13.965079,"2886244"]},{"_index":"complaint-public-v1","_id":"2885997","_score":13.942351,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. \nPlease investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.","date_sent_to_company":"2018-04-24T18:59:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08085","tags":null,"has_narrative":true,"complaint_id":"2885997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-04-24T18:59:29.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I recently pulled my credit <em>report</em> and found that <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>reported</em> a <em>late</em> payment of 90 days regarding my student loan accounts. I am requesting that this <em>late</em> payment be assessed for accuracy. I believe this <em>reporting</em> is incorrect <em>because</em> I have included the documentation to <em>prove</em> that my loans were in forbearance/deferment XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em> and didnt require any payments."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[13.942351,"2885997"]},{"_index":"complaint-public-v1","_id":"2886245","_score":13.93889,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX  XXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. \nPlease investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.","date_sent_to_company":"2018-04-24T18:59:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08085","tags":null,"has_narrative":true,"complaint_id":"2886245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-04-24T18:59:29.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I recently pulled my credit <em>report</em> and found that <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> <em>reported</em> a <em>late</em> payment of 90 days regarding my student loan accounts. I am requesting that this <em>late</em> payment be assessed for accuracy. I believe this <em>reporting</em> is incorrect <em>because</em> I have included the documentation to <em>prove</em> that my loans were in forbearance/deferment XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em> and didnt require any payments."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[13.93889,"2886245"]},{"_index":"complaint-public-v1","_id":"2886020","_score":13.917672,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXXXXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. \nPlease investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.","date_sent_to_company":"2018-04-24T18:59:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08085","tags":null,"has_narrative":true,"complaint_id":"2886020","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2018-04-24T18:48:00.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I recently pulled my credit <em>report</em> and found that <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>reported</em> a <em>late</em> payment of 90 days regarding my student loan accounts. I am requesting that this <em>late</em> payment be assessed for accuracy. I believe this <em>reporting</em> is incorrect <em>because</em> I have included the documentation to <em>prove</em> that my loans were in forbearance/deferment XX/XX/<em>XXXX</em> to XX/XX/<em>XXXX</em> and didnt require any payments."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[13.917672,"2886020"]},{"_index":"complaint-public-v1","_id":"7618485","_score":13.847007,"_source":{"product":"Credit card","complaint_what_happened":"For the second time in the last 60 days or so they have reported my account 30 days late to credit bureaus!!! My payment was due XX/XX/XXXX and they have reported my account 30 days only a week after the due date... I believe this company is doing this out of spite because I was disputing other inaccuracies on the account. I will attach copy of statement proving the account was not 30 days late!!! CFPB needs to investigate the practices of this company","date_sent_to_company":"2023-10-02T03:40:04.000Z","issue":"Incorrect information on your report","sub_product":"Store credit card","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"7618485","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2023-10-02T03:27:51.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["For the second time in the last 60 days or so they have <em>reported</em> my account 30 days <em>late</em> to credit bureaus!!! My payment was due XX/XX/<em>XXXX</em> and they have <em>reported</em> my account 30 days only a week after the due date... I believe this company is doing this out of spite <em>because</em> I was disputing other inaccuracies on the account. I will attach copy of statement <em>proving</em> the account was not 30 days <em>late</em>!!! CFPB needs to <em>investigate</em> the practices of this company"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[13.847007,"7618485"]},{"_index":"complaint-public-v1","_id":"20060278","_score":13.7454405,"_source":{"product":"Debt collection","complaint_what_happened":"I cancelled my account with XXXX  but I later discovered that a balance of approximately {$290.00} was sent to collections by Credence Resource Management XXXX I do not owe this balance because my service had already been cancelled prior to the charge being created. I attempted to dispute the account through the credit reporting agency, but the dispute was rejected without a proper investigation or documentation proving that the debt is valid. This inaccurate collection account is now being reported on my credit report and is damaging my credit. If the company can not provide documentation proving that this debt is valid and that the balance is correct, their continued attempts to collect and report this debt may violate the Fair Debt Collection Practices Act. I am requesting that this account be properly investigated and removed from my credit report if the debt can not be verified.","date_sent_to_company":"2026-03-07T03:52:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"49022","tags":null,"has_narrative":true,"complaint_id":"20060278","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2026-03-07T03:34:33.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I cancelled my account with <em>XXXX</em>  but I <em>later</em> discovered that a balance of approximately {$290.00} was sent to collections by Credence Resource Management <em>XXXX</em> I do not owe this balance <em>because</em> my service had already been cancelled prior to the charge being created. I attempted to dispute the account through the credit <em>reporting</em> agency, but the dispute was rejected without a proper <em>investigation</em> or documentation <em>proving</em> that the debt is valid."]},"sort":[13.7454405,"20060278"]},{"_index":"complaint-public-v1","_id":"14345200","_score":13.695453,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a compliant because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified i have disputed this directly with the credit bureaus and the furnisher the late payments remain without proper validation or documentation under 15 USC 1681 S2 a furnisher must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within XXXX  days neither of them have proved sufficient evidence to support the negative reporting.","date_sent_to_company":"2025-06-29T01:09:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30248","tags":"Servicemember","has_narrative":true,"complaint_id":"14345200","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-29T01:09:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing a compliant <em>because</em> my creditor is <em>reporting</em> <em>late</em> payments on my account ending in <em>XXXX</em> that are inaccurate and not properly verified i have disputed this directly with the credit bureaus and the furnisher the <em>late</em> payments remain without proper validation or documentation under 15 USC 1681 S2 a furnisher must <em>report</em> accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable <em>investigation</em> within <em>XXXX</em>  days neither of them have <em>proved</em> sufficient evidence to support"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.695453,"14345200"]},{"_index":"complaint-public-v1","_id":"14344390","_score":13.695453,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a compliant because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified i have disputed this directly with the credit bureaus and the furnisher the late payments remain without proper validation or documentation under 15 USC 1681 S2 a furnisher must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within XXXX  days neither of them have proved sufficient evidence to support the negative reporting.","date_sent_to_company":"2025-06-29T01:09:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30248","tags":"Servicemember","has_narrative":true,"complaint_id":"14344390","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-29T01:09:28.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing a compliant <em>because</em> my creditor is <em>reporting</em> <em>late</em> payments on my account ending in <em>XXXX</em> that are inaccurate and not properly verified i have disputed this directly with the credit bureaus and the furnisher the <em>late</em> payments remain without proper validation or documentation under 15 USC 1681 S2 a furnisher must <em>report</em> accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable <em>investigation</em> within <em>XXXX</em>  days neither of them have <em>proved</em> sufficient evidence to support"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.695453,"14344390"]},{"_index":"complaint-public-v1","_id":"14351373","_score":13.679411,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a compliant because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified i have disputed this directly with the credit bureaus and the furnisher the late payments remain without proper validation or documentation under 15 USC 1681 S2 a furnisher must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within XXXX  days neither of them have proved sufficient evidence to support the negative reporting.","date_sent_to_company":"2025-06-29T01:09:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30248","tags":"Servicemember","has_narrative":true,"complaint_id":"14351373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-29T00:39:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing a compliant <em>because</em> my creditor is <em>reporting</em> <em>late</em> payments on my account ending in <em>XXXX</em> that are inaccurate and not properly verified i have disputed this directly with the credit bureaus and the furnisher the <em>late</em> payments remain without proper validation or documentation under 15 USC 1681 S2 a furnisher must <em>report</em> accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable <em>investigation</em> within <em>XXXX</em>  days neither of them have <em>proved</em> sufficient evidence to support"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.679411,"14351373"]},{"_index":"complaint-public-v1","_id":"7755433","_score":13.657845,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested an investigation from Equifax on XXXX XXXX XXXX XXXX, and XXXX. I this investigation I requested the validation of the following accounts. \n1. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. \nXXXX XXXX Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. \n2. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. \nXXXX Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. \n3. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. \nDPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. \n4. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. \nDPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. \n5. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. \nDPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. \n6. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. \nDPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. \n7. I previous asked you to provide proof these payment were late and you have ignored my requests to investigate but the late payments still remain. \nXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. \n8. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. \nXXXXXXXX XXXX Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. \n9. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. \nDPT EDXXXX Account Number : XXXX Since you have stated this account has been purchased to another lender, please delete this account immediately. \n10. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. \nDPT EDXXXX Account Number : XXXX Since you have stated this account has been purchased to another lender, please delete this account immediately. \n11. In the previous letter I requested your method of validation. You have failed to provide your validation which tells you did not complete a re-investigation. \nXXXX XXXX XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. \n12. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. \nXXXX Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. \nTo this day, XXXX has not provided any validating documents and the accounts are still reporting as they originally were. This is a violation of the FCRA.","date_sent_to_company":"2023-10-25T13:35:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"290XX","tags":null,"has_narrative":true,"complaint_id":"7755433","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-25T13:15:15.000Z","state":"SC","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I requested an <em>investigation</em> from Equifax on <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, and <em>XXXX</em>. I this <em>investigation</em> I requested the validation of the following accounts. \n1. Please explain your method of validation for these <em>late</em> payments and <em>because</em> I do not remember ever being <em>late</em> on this account. \n<em>XXXX</em> <em>XXXX</em> Account Number : <em>XXXX</em> If you are unable to <em>prove</em> these payments were <em>late</em>, I request these <em>late</em> payment be removed and the account be updated to current and paid on time. \n2."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.657845,"7755433"]},{"_index":"complaint-public-v1","_id":"10016662","_score":13.613456,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disagree with the results of the investigation on XXXX XXXX late payments. I have disputed the late payments on this account XXXX XXXX Everytime i dispute the dates that they claim i was late. I would get back an updated account with different dates being late. intead of acknowledging they have made a mistake and must update the late payment to paid on time. They just move the late status to another date. This is illegal, fraudulent reporting and wrong in every way. This has cost my family hardship and pain as i have had to pay rediculous interest rate on my car payment because of there fraudulent reporting. I have proof XXXX and XXXX of 2023 was not late. I have bank statements tp prove. see attached.","date_sent_to_company":"2024-09-04T21:08:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"84003","tags":null,"has_narrative":true,"complaint_id":"10016662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-04T21:08:13.000Z","state":"UT","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":["This has cost my family hardship and pain as i have had to pay rediculous interest rate on my car payment <em>because</em> of there fraudulent <em>reporting</em>. I have proof <em>XXXX</em> and <em>XXXX</em> of 2023 was not <em>late</em>. I have bank statements tp <em>prove</em>. see attached."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.613456,"10016662"]},{"_index":"complaint-public-v1","_id":"12451784","_score":13.602675,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX reported a XXXX late payment on my student loan account to the credit bureaus without properly notifying me beforehand. As a result, my credit score dropped significantly ( from XXXX to XXXX ), affecting my ability to qualify for a mortgage. \n\nXXXX Failed to Provide Proper Notification After discovering the late payment on my credit report, I immediately contacted XXXX and formally disputed the negative mark. I specifically requested that XXXX provide verifiable proof that they had notified me before reporting my account as XXXX  days late. \n\nI requested the following : Call Logs & Records A complete call history showing timestamps, dates, and phone numbers proving that XXXX attempted to contact me before reporting the late payment. \n\nXXXX failed to provide any call logs. \nMy own phone records show only XXXX call from XXXX it occurred after the late payment had already been reported. \nEmail Delivery Proof Documentation proving that late payment notices were sent to my email inbox. \n\nXXXX failed to provide any email records. \nI checked my email inbox and spam folderthere are no past-due notices from XXXX. \nPhysical Mail Delivery Proof XXXX tracking numbers, receipts, or confirmation showing they mailed me a late payment notice. \n\nXXXX failed to provide any mailing records. \nThere is no XXXX proof that XXXX ever mailed a past-due notice before reporting the late payment. \nXXXX XXXX Account Notifications Timestamped records proving when XXXX placed past-due notices in my online XXXX account XXXX \n\nXXXX falsely claimed that past-due notices were available in my XXXX account XXXX \nHowever, I had to create a XXXX account for the first time after discovering this issue, meaning I could not have seen any notifications before they reported the late payment. \nXXXX failed to provide timestamped proof of when they posted these notifications. \nXXXX Failed to Provide Proof to Credit Bureaus I also disputed this late payment with Experian, XXXX, and XXXX, but the dispute was denied because XXXX failed to provide them with verifiable proof of proper notification. \n\nXXXX 's dispute results confirmed that XXXX did not submit any new evidence to verify the late payment. \nThis proves that XXXX does not have the required documentation to justify reporting my account as 90 days late. \nHarm Caused by This Reporting Error My credit score dropped over XXXX points, from XXXX to XXXX, because of this wrongfully reported late payment. \nThis has jeopardized my ability to secure a mortgage and other financial opportunities. \nXXXX has the power to remove this late payment but refuses to do so. \nRequested Resolution Because XXXX failed to properly notify me before reporting the late payment, and because they failed to provide any verifiable proof to me or the credit bureaus, I am requesting that : XXXX immediately remove the XXXX delinquency from my credit reports ( Experian, XXXX, and XXXX ) XXXX \nXXXX provide written confirmation that this negative mark has been deleted. \nThe CFPB investigate XXXX failure to provide documentation proving that they notified me before reporting my account as delinquent. \nThis late payment should not be allowed to remain on my credit report when XXXX can not provide proof that they properly notified me. I respectfully request that the CFPB hold XXXX accountable and require them to remove this inaccurate late payment.","date_sent_to_company":"2025-03-12T13:08:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19701","tags":null,"has_narrative":true,"complaint_id":"12451784","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-12T13:08:00.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The CFPB <em>investigate</em> <em>XXXX</em> failure to provide documentation <em>proving</em> that they notified me before <em>reporting</em> my account as delinquent. \nThis <em>late</em> payment should not be allowed to remain on my credit <em>report</em> when <em>XXXX</em> can not provide proof that they properly notified me. I respectfully request that the CFPB hold <em>XXXX</em> accountable and require them to remove this inaccurate <em>late</em> payment."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.602675,"12451784"]},{"_index":"complaint-public-v1","_id":"12451786","_score":13.600303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX reported a XXXX late payment on my student loan account to the credit bureaus without properly notifying me beforehand. As a result, my credit score dropped significantly ( from XXXX to XXXX ), affecting my ability to qualify for a mortgage. \n\nXXXX Failed to Provide Proper Notification After discovering the late payment on my credit report, I immediately contacted XXXX and formally disputed the negative mark. I specifically requested that XXXX provide verifiable proof that they had notified me before reporting my account as 90 days late. \n\nI requested the following : Call Logs & Records A complete call history showing timestamps, dates, and phone numbers proving that XXXX attempted to contact me before reporting the late payment. \n\nXXXX failed to provide any call logs. \nMy own phone records show only XXXX call from XXXX it occurred after the late payment had already been reported. \nEmail Delivery Proof Documentation proving that late payment notices were sent to my email inbox. \n\nXXXX failed to provide any email records. \nI checked my email inbox and spam folderthere are no past-due notices from XXXX. \nPhysical Mail Delivery Proof USPS tracking numbers, receipts, or confirmation showing they mailed me a late payment notice. \n\nXXXX failed to provide any mailing records. \nThere is no USPS-certified proof that XXXX ever XXXX a past-due notice before reporting the late payment. \nXXXX XXXX Account Notifications Timestamped records proving when XXXX placed past-due notices in my online XXXX account XXXX \n\nXXXX falsely claimed that past-due notices were available in my XXXX account XXXX \nHowever, I had to create a XXXX account for the first time after discovering this issue, meaning I could not have seen any notifications before they reported the late payment. \nXXXX failed to provide timestamped proof of when they posted these notifications. \nXXXX Failed to Provide Proof to Credit Bureaus I also disputed this late payment with XXXX, XXXX, and TransUnion, but the dispute was denied because XXXX failed to provide them with verifiable proof of proper notification. \n\nTransUnion 's dispute results confirmed that XXXX did not submit any new evidence to verify the late payment. \nThis proves that XXXX does not have the required documentation to justify reporting my account as 90 days late. \nHarm Caused by This Reporting Error My credit score dropped over XXXX points, from XXXX to XXXX, because of this wrongfully reported late payment. \nThis has jeopardized my ability to secure a mortgage and other financial opportunities. \nXXXX has the power to remove this late payment but refuses to do so. \nRequested Resolution Because XXXX failed to properly notify me before reporting the late payment, and because they failed to provide any verifiable proof to me or the credit bureaus, I am requesting that : XXXX immediately remove the XXXX delinquency from my credit reports ( XXXX, XXXX, and TransUnion ) XXXX \nXXXX provide written confirmation that this negative mark has been deleted. \nThe CFPB investigate XXXX failure to provide documentation proving that they notified me before reporting my account as delinquent. \nThis late payment should not be allowed to remain on my credit report when XXXX can not provide proof that they properly notified me. I respectfully request that the CFPB hold XXXX accountable and require them to remove this inaccurate late payment.","date_sent_to_company":"2025-03-12T13:08:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19701","tags":null,"has_narrative":true,"complaint_id":"12451786","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-12T13:08:00.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This <em>proves</em> that <em>XXXX</em> does not have the required documentation to justify <em>reporting</em> my account as 90 days <em>late</em>. \nHarm Caused by This <em>Reporting</em> Error My credit score dropped over <em>XXXX</em> points, from <em>XXXX</em> to <em>XXXX</em>, <em>because</em> of this wrongfully <em>reported</em> <em>late</em> payment. \nThis has jeopardized my ability to secure a mortgage and other financial opportunities. \n<em>XXXX</em> has the power to remove this <em>late</em> payment but refuses to do so."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.600303,"12451786"]},{"_index":"complaint-public-v1","_id":"10015753","_score":13.596076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disagree with the results of the investigation on XXXX XXXX  late payments. I have disputed the late payments on this account XXXX XXXX Everytime i dispute the dates that they claim i was late. I would get back an updated account with different dates being late. intead of acknowledging they have made a mistake and must update the late payment to paid on time. They just move the late status to another date. This is illegal, fraudulent reporting and wrong in every way. This has cost my family hardship and pain as i have had to pay rediculous interest rate on my car payment because of there fraudulent reporting. I have proof XXXX and XXXXXXXX XXXX XXXX was not late. I have bank statements tp prove. see attached.","date_sent_to_company":"2024-09-04T21:08:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"84003","tags":null,"has_narrative":true,"complaint_id":"10015753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-04T21:08:13.000Z","state":"UT","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This has cost my family hardship and pain as i have had to pay rediculous interest rate on my car payment <em>because</em> of there fraudulent <em>reporting</em>. I have proof <em>XXXX</em> and XXXXXXXX <em>XXXX</em> <em>XXXX</em> was not <em>late</em>. I have bank statements tp <em>prove</em>. see attached."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.596076,"10015753"]},{"_index":"complaint-public-v1","_id":"10017369","_score":13.5835495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disagree with the results of the investigation on XXXX XXXX late payments. I have disputed the late payments on this account XXXX XXXX Everytime i dispute the dates that they claim i was late. I would get back an updated account with different dates being late. intead of acknowledging they have made a mistake and must update the late payment to paid on time. They just move the late status to another date. This is illegal, fraudulent reporting and wrong in every way. This has cost my family hardship and pain as i have had to pay rediculous interest rate on my car payment because of there fraudulent reporting. I have proof XXXX and XXXX of 2023 was not late. I have bank statements tp prove. see attached.","date_sent_to_company":"2024-09-04T21:08:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"84003","tags":null,"has_narrative":true,"complaint_id":"10017369","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-04T20:39:31.000Z","state":"UT","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":["This has cost my family hardship and pain as i have had to pay rediculous interest rate on my car payment <em>because</em> of there fraudulent <em>reporting</em>. I have proof <em>XXXX</em> and <em>XXXX</em> of 2023 was not <em>late</em>. I have bank statements tp <em>prove</em>. see attached."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.5835495,"10017369"]},{"_index":"complaint-public-v1","_id":"5667923","_score":13.552375,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a letter to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and all 3 credit bureaus on XX/XX/2022 In regards to The late payments that are reporting on the 3 accounts listed earlier in this conversation. I stated \" In light of your company 's verification that I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I'm curious whether any additional consumers are being harmed as a result of your lack of research. What I'm interested in knowing is who you spoke with at the creditor 's office when you first began your said investigation. Also, please provide me with their complete mailing address. Furthermore, please do not send your template letter outlining how you conduct an investigation. I'd like to know exactly how you performed this investigation no outlines, specific details. Im sure you are aware that pursuant to Before you can validate a debt, you must first prove five things, the first of which is proving who the original creditor is, in this case, proving that I am the original creditor, which I have done. You can not legally claim to have conducted an investigation unless you conduct a legitimate investigation, such as one for a criminal offense. You need to speak with my friends, neighbors, family members, and me personally. If you have not completed this step, the investigation is not complete. As a result, you do not have any validation. And all info being furnished is supposed to be verified and investigated on before placing on my credit reports, so you have not properly investigated. You are in breach of the law. \nI will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. \nRemove all late payments from my consumer report effective immediately. You are in violation. ''","date_sent_to_company":"2022-06-16T20:05:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"5667923","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-14T21:39:30.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I sent a letter to <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and all 3 credit bureaus on <em>XX/XX</em>/2022 In regards to The <em>late</em> payments that are <em>reporting</em> on the 3 accounts listed earlier in this conversation. I stated \" In light of your company 's verification that I was <em>late</em>, which I find to be incorrect, I'd like to know the mechanisms that are in place to <em>investigate</em> these erroneous <em>late</em> accounts. Did you even conduct a LEGAL <em>INVESTIGATION</em> <em>because</em> it is still not <em>reporting</em> a 100 % correctly?"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.552375,"5667923"]},{"_index":"complaint-public-v1","_id":"4403262","_score":13.540348,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Since XX/XX/XXXX I have been trying to get Transunion to simply follow the FCRA laws and ACCURATELY report the information that creditors send them. Unfortunately they are mishandling a system built on ACCOUNTABILITY! \nThere are 7 student loans from XXXX XXXX XXXX that remain on my account. All of which look like a special XXXX student reported it. I have proved screen shots with accounts numbers so you can go back on your own and double check. \nXXXX XXXX and XXXX are the only Two late payments that are reporting and they are wrong. How the XXXX can I go from being on time one month to 90 days past due in ONLY 30 days! Then the very next it states I was 120 late. This is done on all 7 accounts and is damaging my score only because XXXX XXXX XXXX isnt reporting correctly AND TRANSUNION IS ALSO REPORTING THE SAME NEGATIVE INFORMATION!!!! \nEach time I submit a complaint they claim they will open an investigation and it only buys them another 30 days because they always respond with the same answer. \nThis is my final set before I pursue legal action against BOTH COMPANIES because just because one made an obvious mistake doesnt mention the other gets to lie about verification of a debt! Unless they are above the law! Its been 120 days since my first complaint and response. \nIf you read the comments on my Report which I screenshot and enclosed they tried to be a smart XXXX and put that FCRA investigation performed consumer disagrees and thats basically a slap in the XXXX face. How did you verify it if its humanly impossible for time to move that fast? Make it make sense or follow the law and remove this still since I have not received ONE signed agreement Or statement of an account that would prove I was ever late paying this company. It even says NEVER LATE on the credit report. Im sick of them playing games.","date_sent_to_company":"2021-05-25T06:49:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"708XX","tags":null,"has_narrative":true,"complaint_id":"4403262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-05-25T02:30:26.000Z","state":"LA","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":["<em>XXXX</em> <em>XXXX</em> and <em>XXXX</em> are the only Two <em>late</em> payments that are <em>reporting</em> and they are wrong. How the <em>XXXX</em> can I go from being on time one month to 90 days past due in ONLY 30 days! Then the very next it states I was 120 <em>late</em>. This is done on all 7 accounts and is damaging my score only <em>because</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> isnt <em>reporting</em> correctly AND TRANSUNION IS ALSO <em>REPORTING</em> THE SAME NEGATIVE INFORMATION!!!!"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[13.540348,"4403262"]},{"_index":"complaint-public-v1","_id":"12452117","_score":13.533693,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Nelnet reported a XXXX late payment on my student loan account to the credit bureaus without properly notifying me beforehand. As a result, my credit score dropped significantly ( from XXXX to XXXX ), affecting my ability to qualify for a mortgage. \n\nNelnet Failed to Provide Proper Notification After discovering the late payment on my credit report, I immediately contacted Nelnet and formally disputed the negative mark. I specifically requested that Nelnet provide verifiable proof that they had notified me before reporting my account as 90 days late. \n\nI requested the following : Call Logs & Records A complete call history showing timestamps, dates, and phone numbers proving that Nelnet attempted to contact me before reporting the late payment.\n\nNelnet failed to provide any call logs.\n\nMy own phone records show only one call from Nelnetand it occurred after the late payment had already been reported. \nEmail Delivery Proof Documentation proving that late payment notices were sent to my email inbox. \n\nNelnet failed to provide any email records. \nI checked my email inbox and spam folderthere are no past-due notices from Nelnet. \nPhysical Mail Delivery Proof USPS tracking numbers, receipts, or confirmation showing they mailed me a late payment notice.\n\nNelnet failed to provide any mailing records.\n\nThere is no USPS-certified proof that Nelnet ever mailed a past-due notice before reporting the late payment.\n\nNelnet Online Account Notifications Timestamped records proving when Nelnet placed past-due notices in my online Nelnet account XXXX \n\nNelnet falsely claimed that past-due notices were available in my Nelnet account XXXX \nHowever, I had to create a Nelnet account for the first time after discovering this issue, meaning I could not have seen any notifications before they reported the late payment. \nNelnet failed to provide timestamped proof of when they posted these notifications. \nNelnet Failed to Provide Proof to Credit Bureaus I also disputed this late payment with XXXX, XXXX, and XXXX, but the dispute was denied because Nelnet failed to provide them with verifiable proof of proper notification. \n\nXXXX 's dispute results confirmed that Nelnet did not submit any new evidence to verify the late payment. \nThis proves that Nelnet does not have the required documentation to justify reporting my account as 90 days late. \nHarm Caused by This Reporting Error My credit score dropped over XXXX points, from XXXX to XXXX, because of this wrongfully reported late payment. \nThis has jeopardized my ability to secure a mortgage and other financial opportunities. \nNelnet has the power to remove this late payment but refuses to do so. \nRequested Resolution Because Nelnet failed to properly notify me before reporting the late payment, and because they failed to provide any verifiable proof to me or the credit bureaus, I am requesting that : Nelnet immediately remove the XXXX delinquency from my credit reports ( XXXX, XXXX, and XXXX ) XXXX \nNelnet provide written confirmation that this negative mark has been deleted. \nThe CFPB investigate Nelnets failure to provide documentation proving that they notified me before reporting my account as delinquent. \nThis late payment should not be allowed to remain on my credit report when Nelnet can not provide proof that they properly notified me. I respectfully request that the CFPB hold Nelnet accountable and require them to remove this inaccurate late payment.","date_sent_to_company":"2025-03-12T13:08:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19701","tags":null,"has_narrative":true,"complaint_id":"12452117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-03-12T12:57:49.000Z","state":"DE","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Requested Resolution <em>Because</em> Nelnet failed to properly notify me before <em>reporting</em> the <em>late</em> payment, and <em>because</em> they failed to provide any verifiable proof to me or the credit bureaus, I am requesting that : Nelnet immediately remove the <em>XXXX</em> delinquency from my credit <em>reports</em> ( <em>XXXX</em>, <em>XXXX</em>, and <em>XXXX</em> ) <em>XXXX</em> \nNelnet provide written confirmation that this negative mark has been deleted."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.533693,"12452117"]},{"_index":"complaint-public-v1","_id":"5667924","_score":13.506626,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all 3 credit bureaus on XX/XX/2022 In regards to The late payments that are reporting on the 3 accounts listed earlier in this conversation. I stated \" In light of your company 's verification that I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I'm curious whether any additional consumers are being harmed as a result of your lack of research. What I'm interested in knowing is who you spoke with at the creditor 's office when you first began your said investigation. Also, please provide me with their complete mailing address. Furthermore, please do not send your template letter outlining how you conduct an investigation. I'd like to know exactly how you performed this investigation no outlines, specific details. Im sure you are aware that pursuant to Before you can validate a debt, you must first prove five things, the first of which is proving who the original creditor is, in this case, proving that I am the original creditor, which I have done. You can not legally claim to have conducted an investigation unless you conduct a legitimate investigation, such as one for a criminal offense. You need to speak with my friends, neighbors, family members, and me personally. If you have not completed this step, the investigation is not complete. As a result, you do not have any validation. And all info being furnished is supposed to be verified and investigated on before placing on my credit reports, so you have not properly investigated. You are in breach of the law. \nI will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. \nRemove all late payments from my consumer report effective immediately. You are in violation. ''","date_sent_to_company":"2022-06-16T20:00:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33313","tags":null,"has_narrative":true,"complaint_id":"5667924","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-14T22:00:18.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I sent a letter to <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, and all 3 credit bureaus on <em>XX/XX</em>/2022 In regards to The <em>late</em> payments that are <em>reporting</em> on the 3 accounts listed earlier in this conversation. 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Did you even conduct a LEGAL <em>INVESTIGATION</em> <em>because</em> it is still not <em>reporting</em> a 100 % correctly?"],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.506626,"5667924"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3739,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3739}]}},"product":{"doc_count":3739,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1735,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1729},{"key":"Other personal consumer report","doc_count":6}]}},{"key":"Credit reporting, credit repair services, or other personal 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