{"took":128,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6277,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11250333","_score":16.30143,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), which requires credit agencies to ensure the information they provide is accurate. According to FCRA Section 611, you must investigate my dispute within 30 days and correct any inaccuracies. Additionally, under state law, I have the right to request corrections to any errors on my credit report.","date_sent_to_company":"2024-12-23T03:06:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95670","tags":null,"has_narrative":true,"complaint_id":"11250333","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-23T03:02:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This dispute is made <em>under</em> my <em>rights</em> <em>granted</em> by the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), which requires <em>credit</em> agencies to ensure the information they provide is accurate. According to FCRA Section 611, you must <em>investigate</em> my dispute within 30 days and correct any inaccuracies. Additionally, <em>under</em> state law, I have the right to request corrections to any errors on my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.30143,"11250333"]},{"_index":"complaint-public-v1","_id":"11249013","_score":16.30143,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), which requires credit agencies to ensure the information they provide is accurate. According to FCRA Section 611, you must investigate my dispute within 30 days and correct any inaccuracies. Additionally, under state law, I have the right to request corrections to any errors on my credit report.","date_sent_to_company":"2024-12-23T03:05:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95670","tags":null,"has_narrative":true,"complaint_id":"11249013","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-23T02:55:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This dispute is made <em>under</em> my <em>rights</em> <em>granted</em> by the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), which requires <em>credit</em> agencies to ensure the information they provide is accurate. According to FCRA Section 611, you must <em>investigate</em> my dispute within 30 days and correct any inaccuracies. Additionally, <em>under</em> state law, I have the right to request corrections to any errors on my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.30143,"11249013"]},{"_index":"complaint-public-v1","_id":"11247636","_score":16.259119,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), which requires credit agencies to ensure the information they provide is accurate. According to FCRA Section 611, you must investigate my dispute within 30 days and correct any inaccuracies. Additionally, under state law, I have the right to request corrections to any errors on my credit report.","date_sent_to_company":"2024-12-23T01:43:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94602","tags":null,"has_narrative":true,"complaint_id":"11247636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-23T01:32:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This dispute is made <em>under</em> my <em>rights</em> <em>granted</em> by the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), which requires <em>credit</em> agencies to ensure the information they provide is accurate. According to FCRA Section 611, you must <em>investigate</em> my dispute within 30 days and correct any inaccuracies. Additionally, <em>under</em> state law, I have the right to request corrections to any errors on my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.259119,"11247636"]},{"_index":"complaint-public-v1","_id":"11245461","_score":16.259119,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), which requires credit agencies to ensure the information they provide is accurate. According to FCRA Section 611, you must investigate my dispute within 30 days and correct any inaccuracies. Additionally, under state law, I have the right to request corrections to any errors on my credit report.","date_sent_to_company":"2024-12-23T01:43:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94602","tags":null,"has_narrative":true,"complaint_id":"11245461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-23T01:33:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This dispute is made <em>under</em> my <em>rights</em> <em>granted</em> by the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), which requires <em>credit</em> agencies to ensure the information they provide is accurate. According to FCRA Section 611, you must <em>investigate</em> my dispute within 30 days and correct any inaccuracies. Additionally, <em>under</em> state law, I have the right to request corrections to any errors on my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.259119,"11245461"]},{"_index":"complaint-public-v1","_id":"11245248","_score":16.259119,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), which requires credit agencies to ensure the information they provide is accurate. According to FCRA Section 611, you must investigate my dispute within 30 days and correct any inaccuracies. Additionally, under state law, I have the right to request corrections to any errors on my credit report.","date_sent_to_company":"2024-12-23T01:45:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94602","tags":null,"has_narrative":true,"complaint_id":"11245248","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-23T01:33:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This dispute is made <em>under</em> my <em>rights</em> <em>granted</em> by the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), which requires <em>credit</em> agencies to ensure the information they provide is accurate. According to FCRA Section 611, you must <em>investigate</em> my dispute within 30 days and correct any inaccuracies. Additionally, <em>under</em> state law, I have the right to request corrections to any errors on my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.259119,"11245248"]},{"_index":"complaint-public-v1","_id":"13580443","_score":15.975285,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), which protects the privacy and accuracy of consumer credit information. \nThe account listed under the name XXXX, account number XXXX, appears on my credit report in error. \nI respectfully request that you investigate this matter and remove the inaccurate entry from my credit file. \nPlease provide a written response within the 30-day period established by law.","date_sent_to_company":"2025-05-18T23:07:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"076XX","tags":null,"has_narrative":true,"complaint_id":"13580443","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-18T22:15:03.000Z","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 writing <em>under</em> my <em>rights</em> <em>granted</em> by the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), which protects the privacy and accuracy of consumer <em>credit</em> information. \nThe account listed <em>under</em> the name XXXX, account number XXXX, appears on my <em>credit</em> <em>report</em> in error. \nI respectfully request that you <em>investigate</em> this matter and remove the inaccurate entry from my <em>credit</em> file. \nPlease provide a written response within the 30-day period established by law."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.975285,"13580443"]},{"_index":"complaint-public-v1","_id":"11922104","_score":15.789375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently tried to dispute some inquiries on my credit report with Equifax. I recieved a response stating the information on my report is accurate. I would like to request that this be investigated and provided documentation is provided to insure they have the up to date information per my rights under the Fair Credit Reporting FCRA. I didnt authorize these inquiries Under the FCRA , credit inquiries from companies that I did not grant permission to access my information that must be removed from my credit report. These unauthorized hard inquiries are a violation of the Fair Deby Collection Practices Act FDCPA as well.","date_sent_to_company":"2025-02-05T01:35:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70806","tags":null,"has_narrative":true,"complaint_id":"11922104","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-05T01:14:13.000Z","state":"LA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I recently tried to dispute some inquiries on my <em>credit</em> <em>report</em> with Equifax. I recieved a response stating the information on my <em>report</em> is accurate. I would like to request that this be <em>investigated</em> and provided documentation is provided to insure they have the up to date information per my <em>rights</em> <em>under</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> FCRA."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[15.789375,"11922104"]},{"_index":"complaint-public-v1","_id":"11921562","_score":15.767896,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently tried to dispute some inquiries on my credit report with Equifax. I recieved a response stating the information on my report is accurate. I would like to request that this be investigated and provided documentation is provided to insure they have the up to date information per my rights under the Fair Credit Reporting FCRA. I didnt authorize these inquiries Under the FCRA , credit inquiries from companies that I did not grant permission to access my information that must be removed from my credit report. These unauthorized hard inquiries are a violation of the Fair Deby Collection Practices Act FDCPA as well.","date_sent_to_company":"2025-02-05T01:35:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70806","tags":null,"has_narrative":true,"complaint_id":"11921562","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-05T01:34:46.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I recently tried to dispute some inquiries on my <em>credit</em> <em>report</em> with Equifax. I recieved a response stating the information on my <em>report</em> is accurate. I would like to request that this be <em>investigated</em> and provided documentation is provided to insure they have the up to date information per my <em>rights</em> <em>under</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> FCRA."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[15.767896,"11921562"]},{"_index":"complaint-public-v1","_id":"8431866","_score":15.672299,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute information on my credit report related to XXXX loans. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and specifically under Section 609, I am formally requesting validation of the reported XXXX loans. \n\nI believe that there may be inaccuracies in the reporting of these loans, and I am exercising my right to dispute and request verification of the information in accordance with the FCRA. The specific details of the disputed information is attached in document and I am aware of my rights under the FCRA, which grants me the right to dispute inaccurate information and obligates the credit reporting agency to investigate the disputed items within 30 days. Additionally, under Section 609 of the FCRA, I have the right to request validation of the reported information.","date_sent_to_company":"2024-02-27T16:39:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76017","tags":null,"has_narrative":true,"complaint_id":"8431866","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-27T16:39:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The specific details of the disputed information is attached in document and I am aware of my <em>rights</em> <em>under</em> the FCRA, which <em>grants</em> me the right to dispute inaccurate information and obligates the <em>credit</em> <em>reporting</em> agency to <em>investigate</em> the disputed items within 30 days. Additionally, <em>under</em> Section 609 of the FCRA, I have the right to request validation of the <em>reported</em> information."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.672299,"8431866"]},{"_index":"complaint-public-v1","_id":"8431868","_score":15.630997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute information on my credit report related to XXXX loans. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and specifically under Section 609, I am formally requesting validation of the reported XXXX loans. \n\nI believe that there may be inaccuracies in the reporting of these loans, and I am exercising my right to dispute and request verification of the information in accordance with the FCRA. The specific details of the disputed information is attached in document and I am aware of my rights under the FCRA, which grants me the right to dispute inaccurate information and obligates the credit reporting agency to investigate the disputed items within 30 days. Additionally, under Section 609 of the FCRA, I have the right to request validation of the reported information.","date_sent_to_company":"2024-02-27T16:39:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76017","tags":null,"has_narrative":true,"complaint_id":"8431868","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-27T16:39:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The specific details of the disputed information is attached in document and I am aware of my <em>rights</em> <em>under</em> the FCRA, which <em>grants</em> me the right to dispute inaccurate information and obligates the <em>credit</em> <em>reporting</em> agency to <em>investigate</em> the disputed items within 30 days. Additionally, <em>under</em> Section 609 of the FCRA, I have the right to request validation of the <em>reported</em> information."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.630997,"8431868"]},{"_index":"complaint-public-v1","_id":"8431867","_score":15.630997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute information on my credit report related to XXXX loans. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and specifically under Section 609, I am formally requesting validation of the reported XXXX loans. \n\nI believe that there may be inaccuracies in the reporting of these loans, and I am exercising my right to dispute and request verification of the information in accordance with the FCRA. The specific details of the disputed information is attached in document and I am aware of my rights under the FCRA, which grants me the right to dispute inaccurate information and obligates the credit reporting agency to investigate the disputed items within 30 days. Additionally, under Section 609 of the FCRA, I have the right to request validation of the reported information.","date_sent_to_company":"2024-02-27T16:39:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76017","tags":null,"has_narrative":true,"complaint_id":"8431867","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-27T16:39:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The specific details of the disputed information is attached in document and I am aware of my <em>rights</em> <em>under</em> the FCRA, which <em>grants</em> me the right to dispute inaccurate information and obligates the <em>credit</em> <em>reporting</em> agency to <em>investigate</em> the disputed items within 30 days. Additionally, <em>under</em> Section 609 of the FCRA, I have the right to request validation of the <em>reported</em> information."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.630997,"8431867"]},{"_index":"complaint-public-v1","_id":"12722157","_score":15.557925,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute several inaccurate and potentially unverifiable entries currently listed on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, which grant me the right to request verification of any account reported and demand removal if unverifiable, inaccurate, or duplicated. \nPlease investigate and provide proper documentation for each of the following accounts :","date_sent_to_company":"2025-03-29T15:51:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07003","tags":null,"has_narrative":true,"complaint_id":"12722157","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-29T15:51:28.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally dispute several inaccurate and potentially unverifiable entries currently listed on my <em>credit</em> <em>report</em>. I am exercising my <em>rights</em> <em>under</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ) 609 ( a ) ( 1 ) and 611, which <em>grant</em> me the right to request verification of any account <em>reported</em> and demand removal if unverifiable, inaccurate, or duplicated. \nPlease <em>investigate</em> and provide proper documentation for each of the following accounts :"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.557925,"12722157"]},{"_index":"complaint-public-v1","_id":"7518615","_score":15.526037,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute and formally request an investigation into an unauthorized hard inquiry that recently appeared on my credit report, as reported by your agency. This inquiry was made without my consent and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b and 15 U.S.C. 1681g. \n\nDetails of the unauthorized hard inquiry are as follows : Name of Inquiring Entity : GREENBURG GRANT AND RICHARDS Date of Inquiry : XX/XX/XXXX   I have not provided any form of consent, either written or verbal, to GREENBURG GRANT AND RICHARDS or any affiliated entity, to access my credit report or initiate a hard inquiry. This unauthorized inquiry has negatively affected my credit profile and may result in harm to my financial standing. \n\nUnder the FCRA, it is explicitly stated that a permissible purpose is required for an entity to access a consumer 's credit report without their consent. I have not initiated any credit applications or transactions with GREENBURG GRANT AND RICHARDS that would warrant a permissible purpose for this hard inquiry. This action is a direct violation of my rights under 15 U.S.C. 1681b. \n\nI kindly request that you conduct a thorough investigation into the legitimacy of this unauthorized hard inquiry and provide me with a written response within the time frame specified by the FCRA. I expect your response to include : Verification of the permissible purpose that allowed GREENBURG GRANT AND RICHARDS to access my credit report without consent. \nA complete copy of the information that GREENBURG GRANT AND RICHARDS provided to you as part of this inquiry. \nAny correspondence, agreements, or documentation demonstrating that I authorized this inquiry. \nProof of the lawful basis for this inquiry, in accordance with FCRA regulations. \nFailure to comply with the FCRA 's requirements or provide a satisfactory resolution within the stipulated time frame may lead to legal action. I am prepared to take legal recourse to protect my rights under federal law. \n\nIn accordance with the FCRA, if my dispute is valid and the inquiry is found to be unauthorized, I demand the immediate removal of this unauthorized hard inquiry from my credit report. I also request a revised copy of my credit report reflecting this correction, and {$1000.00} remedy. \n\nPlease treat this matter with the urgency and seriousness it deserves. Your prompt attention and adherence to federal law are expected. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-10-05T16:10:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33068","tags":null,"has_narrative":true,"complaint_id":"7518615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Greenberg, Grant & Richards Inc.","date_received":"2023-09-08T13:39:34.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I am writing to dispute and formally request an <em>investigation</em> into an unauthorized hard inquiry that recently appeared on my <em>credit</em> <em>report</em>, as <em>reported</em> by your agency. This inquiry was made without my consent and violates my <em>rights</em> <em>under</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), specifically <em>under</em> 15 U.S.C. 1681b and 15 U.S.C. 1681g."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["Greenberg, <em>Grant</em> & Richards Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[15.526037,"7518615"]},{"_index":"complaint-public-v1","_id":"12722955","_score":15.520357,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute several inaccurate and potentially unverifiable entries currently listed on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, which grant me the right to request verification of any account reported and demand removal if unverifiable, inaccurate, or duplicated. \nPlease investigate and provide proper documentation for each of the following accounts :","date_sent_to_company":"2025-03-29T15:51:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07003","tags":null,"has_narrative":true,"complaint_id":"12722955","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-29T15:29:42.000Z","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 writing to formally dispute several inaccurate and potentially unverifiable entries currently listed on my <em>credit</em> <em>report</em>. I am exercising my <em>rights</em> <em>under</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ) 609 ( a ) ( 1 ) and 611, which <em>grant</em> me the right to request verification of any account <em>reported</em> and demand removal if unverifiable, inaccurate, or duplicated. \nPlease <em>investigate</em> and provide proper documentation for each of the following accounts :"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.520357,"12722955"]},{"_index":"complaint-public-v1","_id":"12723119","_score":15.496398,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute several inaccurate and potentially unverifiable entries currently listed on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, which grant me the right to request verification of any account reported and demand removal if unverifiable, inaccurate, or duplicated. \nPlease investigate and provide proper documentation for each of the following accounts :","date_sent_to_company":"2025-03-29T15:51:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07003","tags":null,"has_narrative":true,"complaint_id":"12723119","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-29T15:51:28.000Z","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 writing to formally dispute several inaccurate and potentially unverifiable entries currently listed on my <em>credit</em> <em>report</em>. I am exercising my <em>rights</em> <em>under</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ) 609 ( a ) ( 1 ) and 611, which <em>grant</em> me the right to request verification of any account <em>reported</em> and demand removal if unverifiable, inaccurate, or duplicated. \nPlease <em>investigate</em> and provide proper documentation for each of the following accounts :"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.496398,"12723119"]},{"_index":"complaint-public-v1","_id":"11906119","_score":15.056217,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"the credit reporting agencies have consistently reported information that infringes upon my rights as outlined under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to dispute inaccuracies, these agencies have failed to conduct thorough investigations, resulting in the continued presence of erroneous information on my credit report. The FCRA stipulates my rights to ensure the accuracy and integrity of my credit information, particularly in sections 611 and 623. Section 611 grants consumers the right to dispute inaccuracies and mandates that the agency must investigate the claims. Furthermore, Section 623 emphasizes the obligation of furnishers of information to ensure that the data they provide is accurate and up to date, allowing for the deletion of inaccuracies when identified. The persistent disregard for these provisions undermines not only my financial well-being but also the core principles of consumer protection enshrined in the FCRA","date_sent_to_company":"2025-02-04T00:57:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60624","tags":null,"has_narrative":true,"complaint_id":"11906119","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-04T00:24:55.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["the <em>credit</em> <em>reporting</em> agencies have consistently <em>reported</em> information that infringes upon my <em>rights</em> as outlined <em>under</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ). Despite my repeated attempts to dispute inaccuracies, these agencies have failed to conduct thorough <em>investigations</em>, resulting in the continued presence of erroneous information on my <em>credit</em> <em>report</em>. The FCRA stipulates my <em>rights</em> to ensure the accuracy and integrity of my <em>credit</em> information, particularly in sections 611 and 623."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[15.056217,"11906119"]},{"_index":"complaint-public-v1","_id":"15023703","_score":14.977286,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX and I am writing this letter on my own behalf. I am writing to formally dispute inaccurate information being reported by your company on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), which grants consumers the right to dispute and request the removal of inaccurate or unverifiable information. This account is inaccurate : XXXX XXXX XXXX. I am requesting a full investigation to include a free copy of my report.","date_sent_to_company":"2025-08-02T17:08:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"15023703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-02T16:49:46.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally dispute inaccurate information being <em>reported</em> by your company on my <em>credit</em> <em>report</em>. I am asserting my <em>rights</em> <em>under</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( 15 U.S.C. 1681-1681x ), which <em>grants</em> consumers the right to dispute and request the removal of inaccurate or unverifiable information. This account is inaccurate : XXXX XXXX XXXX. I am requesting a full <em>investigation</em> to include a free copy of my <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.977286,"15023703"]},{"_index":"complaint-public-v1","_id":"15023519","_score":14.977286,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX and I am writing this letter on my own behalf. I am writing to formally dispute inaccurate information being reported by your company on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), which grants consumers the right to dispute and request the removal of inaccurate or unverifiable information. This account is inaccurate : XXXX XXXX XXXX. I am requesting a full investigation to include a free copy of my report.","date_sent_to_company":"2025-08-02T17:08:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"15023519","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-02T17:08:28.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally dispute inaccurate information being <em>reported</em> by your company on my <em>credit</em> <em>report</em>. I am asserting my <em>rights</em> <em>under</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( 15 U.S.C. 1681-1681x ), which <em>grants</em> consumers the right to dispute and request the removal of inaccurate or unverifiable information. This account is inaccurate : XXXX XXXX XXXX. I am requesting a full <em>investigation</em> to include a free copy of my <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.977286,"15023519"]},{"_index":"complaint-public-v1","_id":"15023518","_score":14.977286,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX and I am writing this letter on my own behalf. I am writing to formally dispute inaccurate information being reported by your company on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), which grants consumers the right to dispute and request the removal of inaccurate or unverifiable information. This account is inaccurate : XXXX XXXX XXXX. I am requesting a full investigation to include a free copy of my report.","date_sent_to_company":"2025-08-02T17:08:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"15023518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-02T17:08:28.000Z","state":"PA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally dispute inaccurate information being <em>reported</em> by your company on my <em>credit</em> <em>report</em>. I am asserting my <em>rights</em> <em>under</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( 15 U.S.C. 1681-1681x ), which <em>grants</em> consumers the right to dispute and request the removal of inaccurate or unverifiable information. This account is inaccurate : XXXX XXXX XXXX. I am requesting a full <em>investigation</em> to include a free copy of my <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.977286,"15023518"]},{"_index":"complaint-public-v1","_id":"7301488","_score":14.899204,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whomever It concerns, I am writing to dispute an inquiry on my credit report from XXXX XXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). It appears that TransUnion did not conduct a proper investigation into this inquiry, and I am requesting its immediate removal from my credit report. \n\nAs a consumer, I am protected under the following rights granted by the FCRA : 1. Right to Accurate Information : The FCRA ensures that information reported on my credit file is accurate and up-to-date.\n\n2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.\n\n3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation upon receiving a dispute about any information on my credit report.\n\n4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment in matters related to my credit information. \n\nI believe that TransUnion has violated my FCRA rights by not properly investigating the XXXXXXXX XXXX inquiry, which has resulted in inaccurate information on my credit report. Therefore, I urgently request you to take immediate action and remove this inquiry to rectify the situation. \n\nPlease provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. \nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2023-07-25T20:57:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"7301488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-25T20:11:43.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA <em>Rights</em> and Inquiry <em>Investigation</em> To Whomever It concerns, I am writing to dispute an inquiry on my <em>credit</em> <em>report</em> from XXXX XXXX, as I believe it violates my <em>rights</em> <em>under</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA )."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[14.899204,"7301488"]},{"_index":"complaint-public-v1","_id":"7301117","_score":14.899204,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whom It Concerns, I am writing to dispute an inquiry on my credit report from XXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). It appears that TransUnion did not conduct a proper investigation into this inquiry, and I am requesting its immediate removal from my credit report. \n\nAs a consumer, I am protected under the following rights granted by the FCRA : 1. Right to Accurate Information : The FCRA ensures that information reported on my credit file is accurate and up-to-date. \n2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.\n\n3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation upon receiving a dispute about any information on my credit report. \n4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment in matters related to my credit information. \n\nI believe that TransUnion has violated my FCRA rights by not properly investigating the XXXX  inquiry, which has resulted in inaccurate information on my credit report. Therefore, I urgently request you to take immediate action and remove this inquiry to rectify the situation. \n\nPlease provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. \nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2023-07-25T21:16:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"7301117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-25T21:10:44.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA <em>Rights</em> and Inquiry <em>Investigation</em> To Whom It Concerns, I am writing to dispute an inquiry on my <em>credit</em> <em>report</em> from XXXX, as I believe it violates my <em>rights</em> <em>under</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA )."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[14.899204,"7301117"]},{"_index":"complaint-public-v1","_id":"5577000","_score":14.841006,"_source":{"product":"Debt collection","complaint_what_happened":"The collection account has been sent 2 times to the credit reporting agencies on purpose after I sent a letter to GRANT MERCANTILE AGENCY for them to stop harassing me. Additionally, HIPAA and State of California Medical Privacy Statutes further protect my protected health information, GRANT MERCANTILE AGENCY is in violation. Ive asked GRANT MERCANTILE AGENCY to close and remove this account, instead, they opened another false account and are practicing extortion techniques. \n\nGRANT MERCANTILE AGENCY has opened first account XX/XX/XXXX in an amount of {$3700.00}. Now GRANT MERCANTILE AGENCY has created a bogus account on XX/XX/XXXX in an amount {$3700.00}. Now the total debt looks like I have {$7400.00}. GRANT MERCANTILE AGENCY is a SCAMMER. \n\nOn XX/XX/XXXX Ive requested the following from GRANT MERCANTILE AGENCY : 1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to \" opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your non-affiliated third-party companies, partners or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. \n2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours.\n\nb. Do not disclose any information about me in connection with marketing agreements between you and any other company. \n\nGRANT MERCANTILE AGENCY still continues collection attempts but is doing so through extortion by sending the same debt to credit reporting agencies so it appears I owe thousands more than the original amount, GRANT MERCANTILE AGENCY is sending bogus duplicate information in order to continue their extortion practices and explicitly violated the Fair Debt Collection Practices Act, the Fair Credit Reporting Act along with HIPAA and several other state and local regulations.\n\nI ask your help to investigate GRANT MERCANTILE AGENCY. This business is malicious and does not comply with the California law. \n\nThank you","date_sent_to_company":"2022-06-01T14:24:38.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"94404","tags":null,"has_narrative":true,"complaint_id":"5577000","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Grant Mercantile Agency","date_received":"2022-05-19T00:20:07.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am asserting my <em>rights</em> <em>under</em> the Financial Services Modernization Act and the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act to \" opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your non-affiliated third-party companies, partners or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. \n2. I am further instructing you : a."],"company":["<em>Grant</em> Mercantile Agency"]},"sort":[14.841006,"5577000"]},{"_index":"complaint-public-v1","_id":"12361051","_score":14.803221,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute a charge-off listed on my credit report. Under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692a ), and the Truth in Lending Act ( 15 U.S. Code 1635 ), I am requesting a thorough investigation into the validity of this charge-off.\n\nPursuant to 1681, any information reported must be accurate, verifiable, and fair. If the furnisher can not provide proper validation of this charge-off, it must be removed immediately. Additionally, under 1692a, any collection activities related to this account must comply with legal definitions and practices, and I demand proof that these were adhered to. Under 1635, I assert my right to dispute and rescind certain credit transactions if applicable.\n\nI request a written response regarding the findings of this investigation and expect a resolution within the legally mandated timeframe. If this charge-off can not be fully validated in compliance with the law, I demand its immediate removal from my credit report.","date_sent_to_company":"2025-03-07T20:14:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"749XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12361051","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-07T19:57:01.000Z","state":"OK","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I am writing to formally dispute a charge-off listed on my <em>credit</em> <em>report</em>. <em>Under</em> my <em>rights</em> <em>granted</em> by the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( 15 U.S. Code 1681 ), the <em>Fair</em> Debt Collection Practices Act ( 15 U.S. Code 1692a ), and the Truth in Lending Act ( 15 U.S. Code 1635 ), I am requesting a thorough <em>investigation</em> into the validity of this charge-off.\n\nPursuant to 1681, any information <em>reported</em> must be accurate, verifiable, and <em>fair</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.803221,"12361051"]},{"_index":"complaint-public-v1","_id":"16140065","_score":14.791444,"_source":{"product":"Student loan","complaint_what_happened":"I mailed in 3 round certified dispute letters credit bureau ( Equifax ) Requesting the removal Inaccurate student loan accounts from my credit report. These letters were sent under my rights granted by Fair Credit Reporting Act. ( FCRA ). \n\nDespite confirming delivery, the bureaus have not removed or verified. Nor have they provided proper response. This is a violation of ( FCRA ) which requires a reasonable investigation and removal of verifiable and inaccurate information within 30 days These Student loans are not accurate, are damaging my credit, and credit bureaus and the credit bureaus are not complying with consumer protection laws. I'm asking CFPB to investigate and ensure the inaccurate information is removed.","date_sent_to_company":"2025-09-24T21:30:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Federal student loan servicing","zip_code":"357XX","tags":"Servicemember","has_narrative":true,"complaint_id":"16140065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-24T20:20:55.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I mailed in 3 round certified dispute letters <em>credit</em> bureau ( Equifax ) Requesting the removal Inaccurate student loan accounts from my <em>credit</em> <em>report</em>. These letters were sent <em>under</em> my <em>rights</em> <em>granted</em> by <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act. ( FCRA ). \n\nDespite confirming delivery, the bureaus have not removed or verified. Nor have they provided proper response."],"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 <em>report</em>"]},"sort":[14.791444,"16140065"]},{"_index":"complaint-public-v1","_id":"17126729","_score":14.775728,"_source":{"product":"Student loan","complaint_what_happened":"I sent three certified dispute letters to the credit bureaus ( XXXX XXXX and TransUnion ) requesting the removal of inaccurate student loan accounts from my credit reports. These letters were sent under my rights granted by the Fair Credit Reporting Act ( FCRA ). \nDespite confirming delivery, the bureaus have not removed or verified the accounts, nor have they provided proper responses. This is a violation of FCRA, which requires a reasonable investigation and removal of unverifiable or inaccurate information within 30 days. \nThese student loans are not accurate, are damaging my credit, and the credit bureaus are not complying with consumer protection laws. I am asking the CFPB to investigate and ensure the inaccurate information is removed.","date_sent_to_company":"2025-11-09T07:19:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Federal student loan servicing","zip_code":"91364","tags":null,"has_narrative":true,"complaint_id":"17126729","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-09T07:00:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I sent three certified dispute letters to the <em>credit</em> bureaus ( XXXX XXXX and TransUnion ) requesting the removal of inaccurate student loan accounts from my <em>credit</em> <em>reports</em>. These letters were sent <em>under</em> my <em>rights</em> <em>granted</em> by the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ). \nDespite confirming delivery, the bureaus have not removed or verified the accounts, nor have they provided proper responses."],"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 <em>report</em>"]},"sort":[14.775728,"17126729"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6277,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6277}]}},"product":{"doc_count":6277,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4590,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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