{"took":579,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":112263,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10519985","_score":12.505203,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax Information Services LLC due to their continued reporting of inaccurate and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to correct these issues, Equifax has failed to take the necessary steps to resolve them. I request your assistance in ensuring compliance with the FCRA. \n\nBelow are the items I am disputing : Personal Information to Remove : Incorrect name : XXXX XXXX This is not my legal name, and I request its removal from my credit report. \n\nAccounts Reporting Inaccurate or Incomplete Information : XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. Under the FCRA, I request an investigation, and if the account can not be fully verified, it should be removed. \n\nXXXX XXXX  XXXX Account # XXXX The information related to this account is inaccurate. Please investigate, and if the account can not be verified, remove it as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account XXXX XXXX This account is reporting incomplete and inaccurate information. Under the FCRA, I request that it be investigated, and if not verifiable, it must be removed. \n\nXXXX XXXX XXXX Account # XXXX The details on this account are incorrect. Please investigate, and if the account can not be verified, it should be removed in compliance with the FCRA. \n\nXXXX XXXX  XXXX XXXX Account XXXX XXXX The information on this account is incomplete and inaccurate. Please investigate, and if it can not be verified, I request its removal. \n\nXXXX XXXX Account # XXXX This account contains inaccurate and incomplete details. Under the FCRA, I request an investigation, and if the account can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX XXXX, XXXX Account # XXXX The information on this account is inaccurate and incomplete. Please investigate, and if the account can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX Account # XXXX The account is reporting incomplete and inaccurate information. If the details can not be verified, I request that it be removed under the FCRA. \n\nXXXX XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. If the information can not be verified, it must be removed. \n\nXXXX XXXX XXXX Account # XXXX This account is incomplete and inaccurate. Under the FCRA, I request an investigation, and if the information can not be fully verified, it should be removed. \n\nXXXX XXXX XXXX Account # XXXX The information on this account is incomplete and inaccurate. If the details can not be verified, I request that it be removed as per the FCRA. \n\nXXXX XXXX XXXX Account # XXXX The account contains inaccurate and incomplete information. Please investigate, and if the account can not be verified, remove it under the FCRA. \n\nXXXX XXXX XXXX Account # XXXX The details on this account are inaccurate. If the information can not be verified, I request that it be removed from my credit report.","date_sent_to_company":"2024-10-21T19:20:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33166","tags":"Servicemember","has_narrative":true,"complaint_id":"10519985","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-21T19:05:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX  XXXX Account # XXXX The <em>information</em> related to this account is <em>inaccurate</em>. Please <em>investigate</em>, and if the account can not be verified, remove it as required by the <em>FCRA</em>. \n\nXXXX XXXX XXXX XXXX Account XXXX XXXX This account is reporting incomplete and <em>inaccurate</em> <em>information</em>. <em>Under</em> the <em>FCRA</em>, I request that it be <em>investigated</em>, and if not verifiable, it must be removed. \n\nXXXX XXXX XXXX Account # XXXX The details on this account are incorrect."],"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":[12.505203,"10519985"]},{"_index":"complaint-public-v1","_id":"10524741","_score":12.185081,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Experian for maintaining inaccurate and incomplete information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite attempts to correct these errors, Experian has failed to address the issues, and I am requesting your assistance in ensuring compliance with the FCRA. \n\nBelow are the items I am disputing : Personal Information to Remove : Incorrect name : XXXX XXXX Name ID # XXXX This is not my legal name, and I request its removal from my credit report. \n\nInaccurate Addresses to Remove : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL XXXX XXXX ID # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Address ID XXXX XXXX These addresses are incorrect and unrelated to my credit history. I request that they be removed. \n\nAccounts Reporting Inaccurate or Incomplete Information : Absolute Resolutions Investments Account # XXXX The information related to this account is incomplete and inaccurate. Under the FCRA, I request that Experian investigate and remove the account if it can not be fully verified. \n\nXXXX XXXX XXXX Account XXXX XXXX XXXX details of this account are incorrect. Please investigate and remove the account if the information is not verifiable, in compliance with the FCRA. \n\nXXXX XXXX XXXXXXXX Account XXXX XXXX The account is reporting inaccurate and incomplete information. If the account can not be verified as accurate, I request that it be removed, as required by the FCRA. \n\nXXXX XXXX XXXXXXXX Account # XXXX This account is reported inaccurately. Please investigate and remove the account if it can not be fully verified. \n\nXXXX  XXXX Account # XXXX The information on this account is incomplete and incorrect. Under the FCRA, I request that it be investigated and removed if not verifiable. \n\nXXXX XXXX XXXX Account # XXXX This account is reported inaccurately. If the information can not be verified, I request its removal in accordance with the FCRA. \n\nXXXX XXXX  Account # XXXX The details of this account are incomplete and inaccurate. Please investigate, and if it can not be verified, it must be removed from my credit report under the FCRA. \n\nXXXX XXXX Account # XXXX This account is reported inaccurately and should be investigated. If the information can not be verified, I request its removal in accordance with the FCRA. \n\nXXXX XXXX Account # XXXX This account is reporting incomplete and inaccurate information. Please investigate and remove it if it can not be verified. \n\nXXXX XXXX XXXX Account # XXXX The information associated with this account is inaccurate. If the details can not be verified, I request that it be removed under the FCRA. \n\nXXXX XXXX XXXX Account # XXXX This account is reporting incomplete and inaccurate information. Please investigate and remove it if it can not be verified. \n\nXXXX XXXX XXXX Account # XXXX The details on this account are incorrect. Please investigate and remove the account if it can not be fully verified. \n\nXXXX XXXX Account # XXXX This account is inaccurate and incomplete. Please investigate, and if the information can not be verified, remove the account under the FCRA. \n\nXXXX XXXX XXXX XXXX  Account # XXXX The information on this account is inaccurate. Please investigate and remove the account if it can not be verified. \n\nXXXX XXXX XXXXXXXX Account # XXXX This account is reported inaccurately and should be investigated. If it can not be verified, it must be removed as required by the FCRA. \n\nXXXX XXXX XXXX Account # XXXX This account is incomplete and inaccurate. I request a full investigation, and if it can not be verified, it must be removed per the FCRA.","date_sent_to_company":"2024-10-21T19:39:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33166","tags":"Servicemember","has_narrative":true,"complaint_id":"10524741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-21T19:23:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Under</em> the <em>FCRA</em>, I request that it be <em>investigated</em> and removed if not verifiable. \n\nXXXX XXXX XXXX Account # XXXX This account is reported <em>inaccurately</em>. If the <em>information</em> can not be verified, I request its removal in accordance with the <em>FCRA</em>. \n\nXXXX XXXX  Account # XXXX The details of this account are incomplete and <em>inaccurate</em>. Please <em>investigate</em>, and if it can not be verified, it must be removed from my credit report <em>under</em> the <em>FCRA</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[12.185081,"10524741"]},{"_index":"complaint-public-v1","_id":"10524432","_score":12.077306,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion due to their continued reporting of inaccurate and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to correct these issues, TransUnion has failed to take the necessary steps to resolve them. I request your assistance in ensuring compliance with the FCRA. \n\nBelow are the items I am disputing : Personal Information to Remove : Incorrect name : XXXX XXXX This is not my legal name, and I request its removal from my credit report. \n\nAccounts Reporting Inaccurate or Incomplete Information : XXXX  XXXX XXXX Account # XXXX The details of this account are inaccurate and incomplete. I request a thorough investigation, and under the FCRA, if the account can not be fully verified for accuracy, it must be removed. \n\nXXXX XXXXXXXX Account # XXXX This account is not being reported correctly and is incomplete. TransUnion must verify the accuracy of this account or remove it as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX The information associated with this account is inaccurate and incomplete. I request that TransUnion investigate, and if it can not be verified, the account should be removed under the FCRA. \n\nXXXX XXXX XXXX XXXX Account XXXX XXXX This account has inaccuracies, and I am requesting a formal investigation. If the account can not be fully verified, it must be removed from my credit report as required by the FCRA. \n\nXXXX XXXX  Account # XXXX The information on this account is incomplete and inaccurate. Per the FCRA, I request that TransUnion investigate and remove it if it can not be verified. \n\nXXXX XXXX XXXX Account # XXXX This account contains inaccurate and incomplete information. Under the FCRA, it should be investigated and removed if it can not be fully verified. \n\nXXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX I believe this account is inaccurately reported. TransUnion must verify its details or remove it if incomplete, as required by the FCRA. \n\nXXXXXXXX XXXX XXXXXXXX Account # XXXX The account information is incomplete and inaccurate. Per the FCRA, I request that it be verified, and if not, removed from my report. \n\nXXXX XXXX XXXX Account # XXXX This account contains inaccurate information and should be investigated. If the account can not be verified for accuracy, it must be removed in accordance with the FCRA. \n\nXXXX XXXX XXXXXXXX Account # XXXX This account is reported inaccurately and is incomplete. Under the FCRA, I request a full investigation and removal if the account can not be verified. \n\nXXXX XXXX XXXX Account # XXXX The account contains inaccurate and incomplete information. Please investigate, and if it can not be verified, it should be removed as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX This account is inaccurately reported, and I request an investigation. If verification is not possible, the account must be removed as required by the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX This account has inaccurate and incomplete information. It must be removed if it can not be fully verified, per the FCRA. \n\nXXXX XXXX XXXX XXXX Account # XXXX This account is inaccurately reported, and I request a full investigation. If the information is incomplete or inaccurate and can not be verified, it should be removed from my credit report per the FCRA.","date_sent_to_company":"2024-10-21T19:55:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33166","tags":"Servicemember","has_narrative":true,"complaint_id":"10524432","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-21T19:41:02.000Z","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":["If the account can not be fully verified, it must be removed from my credit report as required by the <em>FCRA</em>. \n\nXXXX XXXX  Account # XXXX The <em>information</em> on this account is incomplete and <em>inaccurate</em>. Per the <em>FCRA</em>, I request that TransUnion <em>investigate</em> and remove it if it can not be verified. \n\nXXXX XXXX XXXX Account # XXXX This account contains <em>inaccurate</em> and incomplete <em>information</em>. <em>Under</em> the <em>FCRA</em>, it should be <em>investigated</em> and removed if it can not be fully verified."],"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":[12.077306,"10524432"]},{"_index":"complaint-public-v1","_id":"8084969","_score":12.047358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 33. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 37. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 41. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXXXXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXXXXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXXXXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report","date_sent_to_company":"2023-12-31T08:46:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"795XX","tags":null,"has_narrative":true,"complaint_id":"8084969","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-31T08:23:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>Inaccurate</em> <em>information</em> still shows on my report XXXX. <em>Under</em> 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an <em>investigation</em> per <em>FCRA</em> regulation. <em>Inaccurate</em> <em>information</em> still shows on my report XXXX. <em>Under</em> 15 U.S. Code 1681e ( b ) and 15 U.S."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[12.047358,"8084969"]},{"_index":"complaint-public-v1","_id":"12054413","_score":11.934658,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, Dispute of Inaccurate Information XXXX XXXX Credit Report FCRA Section XXXX Dispute of Inaccurate Information I am writing to dispute certain inaccurate information that appears on my credit report under your agency, as per my rights under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( 15 U.S.C. XXXXi ). I have recently reviewed my credit report and identified discrepancies that require immediate investigation and correction. The inaccurate information is as follows : LVNV Funding LLC hired by XXXX XXXX Bank, account number ending in XXXX, in the amount of {$2100.00}. There is lack of knowledge of this account. I request that you investigate these items in accordance with the FCRA guidelines. Under Section XXXX ( a ), you are required to conduct a reasonable investigation into any disputed information, and if the information is found to be inaccurate or can not be verified, it must be corrected or removed within XXXX days. Furthermore, under FCRA Section XXXX ( 15 U.S.C. XXXXc ), any outdated or unverifiable information should be promptly removed from my credit report. If any of the information listed above can not be verified, I request that it be deleted or corrected accordingly. Please provide me with written confirmation of the results of your investigation and any corrections made to my report. \n\nAs required under FCRA Section XXXX ( a ) ( XXXX ) ( 15 U.S.C. XXXXj ), please provide me with the results of your investigation once completed. If any inaccurate information remains on my credit report, I expect to be informed of the outcome and the sources used in your investigation. If you fail to investigate and correct the information within the time frame set forth by the FCRA, I may be entitled to pursue further legal remedies under FCRA Section XXXX and XXXX. Thank you for your prompt attention to this matter. I look forward to receiving the results of your investigation and the necessary updates to my credit report. I expect to see these accounts removed from my credit report. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-13T19:01:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28217","tags":null,"has_narrative":true,"complaint_id":"12054413","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-02-13T19:00:52.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, Dispute of <em>Inaccurate</em> <em>Information</em> XXXX XXXX Credit Report <em>FCRA</em> Section XXXX Dispute of <em>Inaccurate</em> <em>Information</em> I am writing to dispute certain <em>inaccurate</em> <em>information</em> that appears on my credit report <em>under</em> your agency, as per my rights <em>under</em> the Fair Credit Reporting Act ( <em>FCRA</em> ), Section XXXX ( 15 U.S.C. XXXXi )."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[11.934658,"12054413"]},{"_index":"complaint-public-v1","_id":"8082159","_score":11.913164,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 Account Number : 1776 Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report","date_sent_to_company":"2023-12-31T04:17:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70119","tags":null,"has_narrative":true,"complaint_id":"8082159","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-31T04:07:37.000Z","state":"LA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>Inaccurate</em> <em>information</em> still shows on my report 6. <em>Under</em> 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an <em>investigation</em> per <em>FCRA</em> regulation. <em>Inaccurate</em> <em>information</em> still shows on my report 7. <em>Under</em> 15 U.S. Code 1681e ( b ) and 15 U.S."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[11.913164,"8082159"]},{"_index":"complaint-public-v1","_id":"13573613","_score":11.898948,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T19:20:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13573613","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-17T19:20:31.000Z","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 am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete <em>information</em>, nor have they conducted a reasonable <em>investigation</em> as required <em>under</em> the <em>FCRA</em>."]},"sort":[11.898948,"13573613"]},{"_index":"complaint-public-v1","_id":"13569903","_score":11.898948,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T20:32:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13569903","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-17T20:32:25.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete <em>information</em>, nor have they conducted a reasonable <em>investigation</em> as required <em>under</em> the <em>FCRA</em>."]},"sort":[11.898948,"13569903"]},{"_index":"complaint-public-v1","_id":"13573203","_score":11.8857765,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T20:17:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13573203","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-17T20:16:41.000Z","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 am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete <em>information</em>, nor have they conducted a reasonable <em>investigation</em> as required <em>under</em> the <em>FCRA</em>."]},"sort":[11.8857765,"13573203"]},{"_index":"complaint-public-v1","_id":"13569838","_score":11.8857765,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T19:51:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13569838","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-17T19:50:29.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete <em>information</em>, nor have they conducted a reasonable <em>investigation</em> as required <em>under</em> the <em>FCRA</em>."]},"sort":[11.8857765,"13569838"]},{"_index":"complaint-public-v1","_id":"13573827","_score":11.884924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T20:32:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13573827","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-17T20:32:25.000Z","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 am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete <em>information</em>, nor have they conducted a reasonable <em>investigation</em> as required <em>under</em> the <em>FCRA</em>."]},"sort":[11.884924,"13573827"]},{"_index":"complaint-public-v1","_id":"13570650","_score":11.884924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T19:20:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13570650","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-17T19:20:31.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete <em>information</em>, nor have they conducted a reasonable <em>investigation</em> as required <em>under</em> the <em>FCRA</em>."]},"sort":[11.884924,"13570650"]},{"_index":"complaint-public-v1","_id":"13570149","_score":11.870386,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T19:38:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13570149","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-17T19:37:38.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete <em>information</em>, nor have they conducted a reasonable <em>investigation</em> as required <em>under</em> the <em>FCRA</em>."]},"sort":[11.870386,"13570149"]},{"_index":"complaint-public-v1","_id":"13567537","_score":11.870386,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T19:20:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13567537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-17T18:18:03.000Z","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 am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete <em>information</em>, nor have they conducted a reasonable <em>investigation</em> as required <em>under</em> the <em>FCRA</em>."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[11.870386,"13567537"]},{"_index":"complaint-public-v1","_id":"13573748","_score":11.870274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T19:58:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13573748","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-17T19:57:46.000Z","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 am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete <em>information</em>, nor have they conducted a reasonable <em>investigation</em> as required <em>under</em> the <em>FCRA</em>."]},"sort":[11.870274,"13573748"]},{"_index":"complaint-public-v1","_id":"13573708","_score":11.870274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T19:29:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13573708","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-17T19:28:39.000Z","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 am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete <em>information</em>, nor have they conducted a reasonable <em>investigation</em> as required <em>under</em> the <em>FCRA</em>."]},"sort":[11.870274,"13573708"]},{"_index":"complaint-public-v1","_id":"13573595","_score":11.870274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T19:50:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13573595","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-17T19:50:29.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete <em>information</em>, nor have they conducted a reasonable <em>investigation</em> as required <em>under</em> the <em>FCRA</em>."]},"sort":[11.870274,"13573595"]},{"_index":"complaint-public-v1","_id":"13573435","_score":11.870274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T19:38:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13573435","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-17T19:37:38.000Z","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 am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete <em>information</em>, nor have they conducted a reasonable <em>investigation</em> as required <em>under</em> the <em>FCRA</em>."]},"sort":[11.870274,"13573435"]},{"_index":"complaint-public-v1","_id":"13570797","_score":11.870274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. 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The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.","date_sent_to_company":"2025-05-17T19:29:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07036","tags":null,"has_narrative":true,"complaint_id":"13567169","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-17T19:28:39.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) regarding <em>inaccurate</em> <em>information</em> on my credit report. 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The inaccurate reporting of this late payment violates my rights under the Fair Credit Reporting Act ( FCRA ) and potentially other applicable laws : Violation of FCRA ( 15 USC 1681i ) - The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of information in consumer reports. Reporting an incorrect late payment fails to meet this standard. Failure to Conduct Reasonable Investigation - Under the FCRA, credit bureaus are obligated to conduct a thorough and accurate investigation of disputed information. This obligation was not met in this case, as this inaccurate reporting has not been corrected. Rights to Fair Resolution under the FCRA - As per the FCRA, consumers have the right to timely correction of any disputed and inaccurate information.","date_sent_to_company":"2024-11-12T15:50:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"10775961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-12T15:40:01.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Failure to Conduct Reasonable <em>Investigation</em> - <em>Under</em> the <em>FCRA</em>, credit bureaus are obligated to conduct a thorough and accurate <em>investigation</em> of disputed <em>information</em>. 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The inaccurate reporting of this late payment violates my rights under the Fair Credit Reporting Act ( FCRA ) and potentially other applicable laws : Violation of FCRA ( 15 USC 1681i ) - The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of information in consumer reports. Reporting an incorrect late payment fails to meet this standard. Failure to Conduct Reasonable Investigation - Under the FCRA, credit bureaus are obligated to conduct a thorough and accurate investigation of disputed information. This obligation was not met in this case, as this inaccurate reporting has not been corrected. 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Rights to Fair Resolution <em>under</em> the <em>FCRA</em> - As per the <em>FCRA</em>, consumers have the right to timely correction of any disputed and <em>inaccurate</em> <em>information</em>."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[11.831411,"10774425"]},{"_index":"complaint-public-v1","_id":"8082104","_score":11.805589,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. \nXXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 20. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXXXXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 21. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report","date_sent_to_company":"2023-12-31T04:07:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70119","tags":null,"has_narrative":true,"complaint_id":"8082104","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-31T04:03:00.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>Inaccurate</em> <em>information</em> still shows on my report 9. <em>Under</em> 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX  Account Number : XXXX Delete the account for failure to perform an 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