{"took":297,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":11463,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11812669","_score":18.936346,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Subject : Dispute of Violation of FCRA 1681o ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, regarding your failure to properly address my dispute within the required time frame and in compliance with the provisions of the FCRA.\n\nThe details of the disputed item ( s ) are as follows : Collections Late payments Bankruptcy I submitted a dispute and despite the 30-day investigation period required under FCRA, I have not received a resolution or response, violating my rights under FCRA Section 1681o. '' ] Under FCRA Section 1681o, I am entitled to seek redress if your failure to comply with the FCRA was willful, causing me harm or injury. I am requesting that you investigate the dispute once again in full compliance with the FCRA, or I may consider pursuing further legal action for any damages I may have incurred as a result of your failure to properly investigate Thank you for your attention to this matter. I expect a prompt resolution in line with the law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-28T16:26:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"077XX","tags":null,"has_narrative":true,"complaint_id":"11812669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-28T16:07:12.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The details of the <em>disputed</em> item ( s ) are as follows : Collections Late payments Bankruptcy I submitted a <em>dispute</em> and despite the 30-day <em>investigation</em> period required under <em>FCRA</em>, I have not received a resolution or <em>response</em>, <em>violating</em> my rights under <em>FCRA</em> <em>Section</em> 1681o. '' ] Under <em>FCRA</em> <em>Section</em> 1681o, I am entitled to seek redress if <em>your</em> failure to comply with the <em>FCRA</em> was willful, causing me harm or injury."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[18.936346,"11812669"]},{"_index":"complaint-public-v1","_id":"12095340","_score":18.403677,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate or incomplete information on my credit report that is being reported by Equifax.The disputed entry relates to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are inaccurately reported and do not reflect the correct status of my credit history. Despite my previous efforts to dispute these accounts with the respective entities, the inaccurate information remains on my credit report. This ongoing issue is a direct violation of the Fair Credit Reporting Act ( FCRA ), and I am asserting that this situation reflects negligence and non-compliance under Section XXXX of the FCRA. \nUnder the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, I have the right to dispute information that I believe to be inaccurate, and your organization is required to investigate and respond within a reasonable timeframe. Despite my previous attempts to dispute this matter and your failure to conduct an adequate investigation or provide a satisfactory resolution, the incorrect information remains on my credit report. This is a clear violation of the provisions outlined in the FCRA. \nI formally demand that you review the disputed information immediately, investigate it thoroughly, and provide me with a written response that includes the findings of your investigation. If you can not verify the disputed information or if it is shown to be inaccurate, I expect it to be removed from my credit report promptly. \nThank you for your immediate attention to this matter. I look forward to your prompt and satisfactory response.","date_sent_to_company":"2025-02-24T19:18:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"366XX","tags":null,"has_narrative":true,"complaint_id":"12095340","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-17T03:11:58.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is a clear <em>violation</em> of the provisions outlined in the <em>FCRA</em>. \nI formally demand that you review the <em>disputed</em> information immediately, <em>investigate</em> it thoroughly, and provide me with a written <em>response</em> that includes the findings of <em>your</em> <em>investigation</em>. If you can not verify the <em>disputed</em> information or if it is shown to be inaccurate, I expect it to be removed from my credit report promptly. \nThank you for <em>your</em> immediate attention to this matter."],"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 <em>your</em> report"]},"sort":[18.403677,"12095340"]},{"_index":"complaint-public-v1","_id":"12095361","_score":18.396505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate or incomplete information on my credit report that is being reported by Experian.The disputed entry relates to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are inaccurately reported and do not reflect the correct status of my credit history. Despite my previous efforts to dispute these accounts with the respective entities, the inaccurate information remains on my credit report. This ongoing issue is a direct violation of the Fair Credit Reporting Act ( FCRA ), and I am asserting that this situation reflects negligence and non-compliance under Section 1681o of the FCRA.\n\nUnder the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I have the right to dispute information that I believe to be inaccurate, and your organization is required to investigate and respond within a reasonable timeframe. Despite my previous attempts to dispute this matter and your failure to conduct an adequate investigation or provide a satisfactory resolution, the incorrect information remains on my credit report. This is a clear violation of the provisions outlined in the FCRA. \nI formally demand that you review the disputed information immediately, investigate it thoroughly, and provide me with a written response that includes the findings of your investigation. If you can not verify the disputed information or if it is shown to be inaccurate, I expect it to be removed from my credit report promptly. \nThank you for your immediate attention to this matter. I look forward to your prompt and satisfactory response.","date_sent_to_company":"2025-02-17T03:10:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"366XX","tags":null,"has_narrative":true,"complaint_id":"12095361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-17T02:19:46.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is a clear <em>violation</em> of the provisions outlined in the <em>FCRA</em>. \nI formally demand that you review the <em>disputed</em> information immediately, <em>investigate</em> it thoroughly, and provide me with a written <em>response</em> that includes the findings of <em>your</em> <em>investigation</em>. If you can not verify the <em>disputed</em> information or if it is shown to be inaccurate, I expect it to be removed from my credit report promptly. \nThank you for <em>your</em> immediate attention to this matter."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[18.396505,"12095361"]},{"_index":"complaint-public-v1","_id":"10039581","_score":18.228832,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally express my concern regarding the responses I received after sending out XXXX letters to various credit companies. Instead of providing substantive responses or taking appropriate actions, these companies have merely sent stall letters, delaying the resolution of my requests. \n\nI expect these companies to comply with the Fair Credit Reporting Act ( FCRA ) and provide timely and meaningful responses to my inquiries. The stall tactics are both frustrating and unacceptable, and I request immediate action to address this issue. \n\nThank you for your attention to this matter. I look forward to a prompt resolution. \n\nHere are the violations under the **Fair Credit Reporting Act ( FCRA ) ** : 1. **Failure to Investigate** : Violates Section 1681s-2 ( a ) ( 8 ) ( E ) Credit furnishers must investigate disputes.\n\n2. **Failure to Correct or Remove Inaccurate Information** : Violates Section 1681s-2 ( b ) Furnishers must correct or delete inaccurate information after an investigation.\n\n3. **Failure to Respond Within 30 Days** : Violates Section 1681i ( a ) ( 1 ) Furnishers must respond to disputes within 30 days. \n\nSending stall letters without conducting an investigation or providing a resolution breaches these FCRA requirements. \n\nXXXX XXXX","date_sent_to_company":"2024-09-06T19:02:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07753","tags":null,"has_narrative":true,"complaint_id":"10039581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-06T19:02:25.000Z","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":["Thank you for <em>your</em> attention to this matter. I look forward to a prompt resolution. \n\nHere are the <em>violations</em> under the **Fair Credit Reporting Act ( <em>FCRA</em> ) ** : 1. **Failure to <em>Investigate</em>** : <em>Violates</em> <em>Section</em> 1681s-2 ( a ) ( 8 ) ( E ) Credit furnishers must <em>investigate</em> <em>disputes</em>.\n\n2. **Failure to Correct or Remove Inaccurate Information** : <em>Violates</em> <em>Section</em> 1681s-2 ( b ) Furnishers must correct or delete inaccurate information after an <em>investigation</em>.\n\n3."],"issue":["Improper use of <em>your</em> report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[18.228832,"10039581"]},{"_index":"complaint-public-v1","_id":"10039584","_score":18.19552,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally express my concern regarding the responses I received after sending out XXXX letters to various credit companies. Instead of providing substantive responses or taking appropriate actions, these companies have merely sent stall letters, delaying the resolution of my requests. \n\nI expect these companies to comply with the Fair Credit Reporting Act ( FCRA ) and provide timely and meaningful responses to my inquiries. The stall tactics are both frustrating and unacceptable, and I request immediate action to address this issue. \n\nThank you for your attention to this matter. I look forward to a prompt resolution. \n\nHere are the violations under the **Fair Credit Reporting Act ( FCRA ) ** : 1. **Failure to Investigate** : Violates Section 1681s-2 ( a ) ( 8 ) ( E ) Credit furnishers must investigate disputes.\n\n2. **Failure to Correct or Remove Inaccurate Information** : Violates Section 1681s-2 ( b ) Furnishers must correct or delete inaccurate information after an investigation.\n\n3. **Failure to Respond Within 30 Days** : Violates Section 1681i ( a ) ( XXXX ) Furnishers must respond to disputes within 30 days. \n\nSending stall letters without conducting an investigation or providing a resolution breaches these FCRA requirements. \n\nXXXX XXXX","date_sent_to_company":"2024-09-06T19:02:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07753","tags":null,"has_narrative":true,"complaint_id":"10039584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-06T19:02:25.000Z","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":["Thank you for <em>your</em> attention to this matter. I look forward to a prompt resolution. \n\nHere are the <em>violations</em> under the **Fair Credit Reporting Act ( <em>FCRA</em> ) ** : 1. **Failure to <em>Investigate</em>** : <em>Violates</em> <em>Section</em> 1681s-2 ( a ) ( 8 ) ( E ) Credit furnishers must <em>investigate</em> <em>disputes</em>.\n\n2. **Failure to Correct or Remove Inaccurate Information** : <em>Violates</em> <em>Section</em> 1681s-2 ( b ) Furnishers must correct or delete inaccurate information after an <em>investigation</em>.\n\n3."],"issue":["Improper use of <em>your</em> report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[18.19552,"10039584"]},{"_index":"complaint-public-v1","_id":"11660821","_score":18.013382,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing in response to the recent letter I received from your office requesting additional information to proceed with my dispute. I would like to bring to your attention that the requested information was already included in my initial submission. I am confident that all necessary documents and verifications have been provided, and therefore, there should be no need for additional information at this time. \nPlease note that if I receive further correspondence indicating that you have ceased investigating my dispute due to a lack of informationwhen all necessary details have already been submittedsuch an action would constitute a violation of the Fair Credit Reporting Act ( FCRA ). Delaying the investigation in this manner, thereby extending compliance deadlines by 30-60 days, is unacceptable. \nIf such a situation arises, I will have no choice but to pursue all appropriate legal remedies. This serves as formal notice of my expectations regarding your adherence to the FCRA. \nTo ensure clarity, I am enclosing both your recent letter and my original submission for reference. My initial dispute letter included all essential details required for verification and the initiation of the investigation process. Under the FCRA, particularly Section 611 ( a ), the timeline for investigating disputed information begins on the date my dispute was received, as indicated in your acknowledgment letter. \nAccording to the FCRA : 1. The investigation must conclude within 30 days of receipt of my dispute ( acknowledgment date : [ Insert Date ] ). This makes the deadline for resolution [ Insert Date + 30 days ].\n\n2. Extensions to the 30-day investigation period are permitted only under specific circumstances outlined in Section 611 ( 1 ) ( C ), none of which apply to this dispute based on your response.\n\n3. The results of the investigation must be provided to me within five business days of its conclusion, as mandated by Section 611 ( 3 ) ( A ) .I trust that you will address this matter promptly and in compliance with the FCRAs requirements. Any further delays or procedural missteps will leave me no choice but to escalate this matter further. \n\nThank you for your attention to this issue. I look forward to your timely response and resolution.","date_sent_to_company":"2025-01-17T19:45:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"11660821","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-17T19:40:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Under the <em>FCRA</em>, particularly <em>Section</em> 611 ( a ), the timeline for <em>investigating</em> <em>disputed</em> information begins on the date my <em>dispute</em> was received, as indicated in <em>your</em> acknowledgment letter. \nAccording to the <em>FCRA</em> : 1. The <em>investigation</em> must conclude within 30 days of receipt of my <em>dispute</em> ( acknowledgment date : [ Insert Date ] ). This makes the deadline for resolution [ Insert Date + 30 days ].\n\n2."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[18.013382,"11660821"]},{"_index":"complaint-public-v1","_id":"19884803","_score":17.981247,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).","date_sent_to_company":"2026-03-02T02:43:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33030","tags":null,"has_narrative":true,"complaint_id":"19884803","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-03-02T02:39:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that <em>your</em> agency may have relied on automated or incomplete <em>responses</em> from the furnisher, which <em>violates</em> <em>your</em> obligation to conduct a reasonable <em>investigation</em> under <em>FCRA</em> <em>Section</em> 611 ( a )."],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[17.981247,"19884803"]},{"_index":"complaint-public-v1","_id":"19273670","_score":17.981247,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).","date_sent_to_company":"2026-02-05T16:17:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28214","tags":null,"has_narrative":true,"complaint_id":"19273670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-02-05T16:17:23.000Z","state":"NC","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":["The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that <em>your</em> agency may have relied on automated or incomplete <em>responses</em> from the furnisher, which <em>violates</em> <em>your</em> obligation to conduct a reasonable <em>investigation</em> under <em>FCRA</em> <em>Section</em> 611 ( a )."],"issue":["Improper use of <em>your</em> report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[17.981247,"19273670"]},{"_index":"complaint-public-v1","_id":"19887363","_score":17.949867,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).","date_sent_to_company":"2026-03-02T06:37:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"80439","tags":null,"has_narrative":true,"complaint_id":"19887363","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-03-02T06:37:13.000Z","state":"CO","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":["The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that <em>your</em> agency may have relied on automated or incomplete <em>responses</em> from the furnisher, which <em>violates</em> <em>your</em> obligation to conduct a reasonable <em>investigation</em> under <em>FCRA</em> <em>Section</em> 611 ( a )."],"issue":["Improper use of <em>your</em> report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[17.949867,"19887363"]},{"_index":"complaint-public-v1","_id":"19887361","_score":17.949867,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).","date_sent_to_company":"2026-03-02T06:37:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"80439","tags":null,"has_narrative":true,"complaint_id":"19887361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-03-02T06:32:57.000Z","state":"CO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that <em>your</em> agency may have relied on automated or incomplete <em>responses</em> from the furnisher, which <em>violates</em> <em>your</em> obligation to conduct a reasonable <em>investigation</em> under <em>FCRA</em> <em>Section</em> 611 ( a )."],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[17.949867,"19887361"]},{"_index":"complaint-public-v1","_id":"19273671","_score":17.949867,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).","date_sent_to_company":"2026-02-05T16:17:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28214","tags":null,"has_narrative":true,"complaint_id":"19273671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-02-05T16:17:23.000Z","state":"NC","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":["The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that <em>your</em> agency may have relied on automated or incomplete <em>responses</em> from the furnisher, which <em>violates</em> <em>your</em> obligation to conduct a reasonable <em>investigation</em> under <em>FCRA</em> <em>Section</em> 611 ( a )."],"issue":["Improper use of <em>your</em> report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[17.949867,"19273671"]},{"_index":"complaint-public-v1","_id":"19884805","_score":17.948786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).","date_sent_to_company":"2026-03-02T02:43:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33030","tags":null,"has_narrative":true,"complaint_id":"19884805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-03-02T02:42:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that <em>your</em> agency may have relied on automated or incomplete <em>responses</em> from the furnisher, which <em>violates</em> <em>your</em> obligation to conduct a reasonable <em>investigation</em> under <em>FCRA</em> <em>Section</em> 611 ( a )."],"issue":["Improper use of <em>your</em> report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[17.948786,"19884805"]},{"_index":"complaint-public-v1","_id":"19884804","_score":17.948786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).","date_sent_to_company":"2026-03-02T02:43:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33030","tags":null,"has_narrative":true,"complaint_id":"19884804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-03-02T02:42:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that <em>your</em> agency may have relied on automated or incomplete <em>responses</em> from the furnisher, which <em>violates</em> <em>your</em> obligation to conduct a reasonable <em>investigation</em> under <em>FCRA</em> <em>Section</em> 611 ( a )."],"issue":["Improper use of <em>your</em> report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[17.948786,"19884804"]},{"_index":"complaint-public-v1","_id":"19273667","_score":17.948786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).","date_sent_to_company":"2026-02-05T16:17:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28214","tags":null,"has_narrative":true,"complaint_id":"19273667","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-02-05T16:13:37.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that <em>your</em> agency may have relied on automated or incomplete <em>responses</em> from the furnisher, which <em>violates</em> <em>your</em> obligation to conduct a reasonable <em>investigation</em> under <em>FCRA</em> <em>Section</em> 611 ( a )."],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[17.948786,"19273667"]},{"_index":"complaint-public-v1","_id":"19887362","_score":17.945194,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).","date_sent_to_company":"2026-03-02T06:37:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"80439","tags":null,"has_narrative":true,"complaint_id":"19887362","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-03-02T06:37:13.000Z","state":"CO","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":["The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that <em>your</em> agency may have relied on automated or incomplete <em>responses</em> from the furnisher, which <em>violates</em> <em>your</em> obligation to conduct a reasonable <em>investigation</em> under <em>FCRA</em> <em>Section</em> 611 ( a )."],"issue":["Improper use of <em>your</em> report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[17.945194,"19887362"]},{"_index":"complaint-public-v1","_id":"11816881","_score":17.858335,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Subject : Dispute of Violation of FCRA XXXX ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, regarding your failure to properly address my dispute within the required time frame and in compliance with the provisions of the FCRA. \n\nThe details of the disputed item ( XXXX ) are as follows : Collections Late payments Bankruptcy I submitted a dispute and despite the XXXX investigation period required under FCRA, XXXX have not received a resolution or response, violating my rights under FCRA XXXX XXXX. '' ] Under FCRA XXXX XXXX, I am entitled to seek redress if your failure to comply with the FCRA was willful, causing me harm or injury. I am requesting that you investigate the dispute once again in full compliance with the FCRA, or I XXXX consider pursuing further legal action for any damages I XXXX have incurred as a result of your failure to properly investigate Thank you for your attention to this matter. I expect a prompt resolution in line with the law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-28T16:27:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"077XX","tags":null,"has_narrative":true,"complaint_id":"11816881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-28T16:27:09.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Subject : <em>Dispute</em> of <em>Violation</em> of <em>FCRA</em> XXXX ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally <em>dispute</em> the <em>violation</em> of my rights under the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically <em>Section</em> XXXX, regarding <em>your</em> failure to properly address my <em>dispute</em> within the required time frame and in compliance with the provisions of the <em>FCRA</em>."],"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 <em>your</em> report"]},"sort":[17.858335,"11816881"]},{"_index":"complaint-public-v1","_id":"11812526","_score":17.858335,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Violation of FCRA XXXX ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, regarding your failure to properly address my dispute within the required time frame and in compliance with the provisions of the FCRA. \n\nThe details of the disputed item ( XXXX ) are as follows : Collections Late payments XXXX I submitted a dispute and despite the XXXX investigation period required under FCRA, XXXX have not received a resolution or response, violating my rights under FCRA XXXX XXXX. '' ] Under FCRA XXXX XXXX, I am entitled to seek redress if your failure to comply with the FCRA was willful, causing me harm or injury. I am requesting that you investigate the dispute once again in full compliance with the FCRA, or I may consider pursuing further legal action for any damages I may have incurred as a result of your failure to properly investigate Thank you for your attention to this matter. I expect a prompt resolution in line with the law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-28T16:27:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"077XX","tags":null,"has_narrative":true,"complaint_id":"11812526","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-28T16:27:09.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : <em>Dispute</em> of <em>Violation</em> of <em>FCRA</em> XXXX ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally <em>dispute</em> the <em>violation</em> of my rights under the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically <em>Section</em> XXXX, regarding <em>your</em> failure to properly address my <em>dispute</em> within the required time frame and in compliance with the provisions of the <em>FCRA</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[17.858335,"11812526"]},{"_index":"complaint-public-v1","_id":"12490541","_score":17.831657,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC, XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX Subject : **Dispute Regarding Civil Liability for Negligence and Non-Compliance under FCRA 1681O** To Whom it May Concern, I hope this letter finds you well. I am writing to formally dispute certain actions and to notify you of a matter of civil liability for negligence and non-compliance under Section 1681O of the **Fair Credit Reporting Act ( FCRA ) **, regarding your failure to comply with the required regulations for handling consumer information. \n\nSpecifically, I believe that your company has violated the FCRA in the following ways : 1. **Negligence in Investigating Discrepancies** Despite my previous attempts to notify you of inaccuracies in the information reported on my consumer report, there has been no prompt investigation or resolution, violating the guidelines established under FCRA Section 1681i . This constitutes negligence in failing to perform a reasonable investigation as required by law. \n\n2. **Failure to Provide Adequate Notifications** As per the regulations under FCRA, I am entitled to receive a notice of the results of any investigation into disputed information. To date, I have not received any formal communication indicating that an investigation was conducted, nor have I received any updates on the status of my dispute.\n\n3. **Non-Compliance with Reporting Requirements** Under FCRA Section 1681O, your company is obligated to ensure compliance with consumer protection standards when managing and reporting consumer information. The failure to address and correct the disputed data could be viewed as a violation of these statutory obligations, exposing your company to liability for any damages that I may have incurred as a result of such non-compliance. \n\nGiven these violations, I request that you : - Promptly initiate a thorough investigation of the disputed information in accordance with FCRA guidelines. \n- Provide me with a written response detailing the results of the investigation within the statutory timeframe. \n- Correct any inaccuracies in my consumer report as soon as possible. \n- Cease any further negligence or non-compliance to prevent further potential legal liabilities. \n\nBelow are the accounts in dispute : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take this matter seriously, as failure to comply with the statutory requirements may expose your company to civil liability for damages under Section 1681O of the FCRA. \n\nThank you for your immediate attention to this matter. I look forward to your prompt and thorough response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-14T13:21:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29485","tags":null,"has_narrative":true,"complaint_id":"12490541","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-14T13:21:23.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to formally <em>dispute</em> certain actions and to notify you of a matter of civil liability for negligence and non-compliance under <em>Section</em> 1681O of the **Fair Credit Reporting Act ( <em>FCRA</em> ) **, regarding <em>your</em> failure to comply with the required regulations for handling consumer information. \n\nSpecifically, I believe that <em>your</em> company has <em>violated</em> the <em>FCRA</em> in the following ways : 1."],"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 <em>your</em> report"]},"sort":[17.831657,"12490541"]},{"_index":"complaint-public-v1","_id":"12482895","_score":17.822687,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC, XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX Subject : **Dispute Regarding Civil Liability for Negligence and Non-Compliance under FCRA 1681O** To Whom it May Concern, I hope this letter finds you well. I am writing to formally dispute certain actions and to notify you of a matter of civil liability for negligence and non-compliance under Section 1681O of the **Fair Credit Reporting Act ( FCRA ) **, regarding your failure to comply with the required regulations for handling consumer information. \n\nSpecifically, I believe that your company has violated the FCRA in the following ways : 1. **Negligence in Investigating Discrepancies** Despite my previous attempts to notify you of inaccuracies in the information reported on my consumer report, there has been no prompt investigation or resolution, violating the guidelines established under FCRA Section 1681i . This constitutes negligence in failing to perform a reasonable investigation as required by law. \n\n2. **Failure to Provide Adequate Notifications** As per the regulations under FCRA, I am entitled to receive a notice of the results of any investigation into disputed information. To date, I have not received any formal communication indicating that an investigation was conducted, nor have I received any updates on the status of my dispute.\n\n3. **Non-Compliance with Reporting Requirements** Under FCRA Section 1681O, your company is obligated to ensure compliance with consumer protection standards when managing and reporting consumer information. The failure to address and correct the disputed data could be viewed as a violation of these statutory obligations, exposing your company to liability for any damages that I may have incurred as a result of such non-compliance. \n\nGiven these violations, I request that you : - Promptly initiate a thorough investigation of the disputed information in accordance with FCRA guidelines. \n- Provide me with a written response detailing the results of the investigation within the statutory timeframe. \n- Correct any inaccuracies in my consumer report as soon as possible. \n- Cease any further negligence or non-compliance to prevent further potential legal liabilities. \n\nBelow are the accounts in dispute : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take this matter seriously, as failure to comply with the statutory requirements may expose your company to civil liability for damages under Section 1681O of the FCRA. \n\nThank you for your immediate attention to this matter. I look forward to your prompt and thorough response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-14T13:21:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29485","tags":null,"has_narrative":true,"complaint_id":"12482895","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-14T12:48:53.000Z","state":"SC","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 am writing to formally <em>dispute</em> certain actions and to notify you of a matter of civil liability for negligence and non-compliance under <em>Section</em> 1681O of the **Fair Credit Reporting Act ( <em>FCRA</em> ) **, regarding <em>your</em> failure to comply with the required regulations for handling consumer information. \n\nSpecifically, I believe that <em>your</em> company has <em>violated</em> the <em>FCRA</em> in the following ways : 1."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[17.822687,"12482895"]},{"_index":"complaint-public-v1","_id":"12490905","_score":17.817696,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC, XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX Subject : **Dispute Regarding Civil Liability for Negligence and Non-Compliance under FCRA 1681O** To Whom it May Concern, I hope this letter finds you well. I am writing to formally dispute certain actions and to notify you of a matter of civil liability for negligence and non-compliance under Section 1681O of the **Fair Credit Reporting Act ( FCRA ) **, regarding your failure to comply with the required regulations for handling consumer information. \n\nSpecifically, I believe that your company has violated the FCRA in the following ways : 1. **Negligence in Investigating Discrepancies** Despite my previous attempts to notify you of inaccuracies in the information reported on my consumer report, there has been no prompt investigation or resolution, violating the guidelines established under FCRA Section 1681i . This constitutes negligence in failing to perform a reasonable investigation as required by law. \n\n2. **Failure to Provide Adequate Notifications** As per the regulations under FCRA, I am entitled to receive a notice of the results of any investigation into disputed information. To date, I have not received any formal communication indicating that an investigation was conducted, nor have I received any updates on the status of my dispute.\n\n3. **Non-Compliance with Reporting Requirements** Under FCRA Section 1681O, your company is obligated to ensure compliance with consumer protection standards when managing and reporting consumer information. The failure to address and correct the disputed data could be viewed as a violation of these statutory obligations, exposing your company to liability for any damages that I may have incurred as a result of such non-compliance. \n\nGiven these violations, I request that you : - Promptly initiate a thorough investigation of the disputed information in accordance with FCRA guidelines. \n- Provide me with a written response detailing the results of the investigation within the statutory timeframe. \n- Correct any inaccuracies in my consumer report as soon as possible. \n- Cease any further negligence or non-compliance to prevent further potential legal liabilities. \n\nBelow are the accounts in dispute : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take this matter seriously, as failure to comply with the statutory requirements may expose your company to civil liability for damages under Section 1681O of the FCRA. \n\nThank you for your immediate attention to this matter. I look forward to your prompt and thorough response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-14T13:21:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29485","tags":null,"has_narrative":true,"complaint_id":"12490905","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-14T13:21:23.000Z","state":"SC","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 am writing to formally <em>dispute</em> certain actions and to notify you of a matter of civil liability for negligence and non-compliance under <em>Section</em> 1681O of the **Fair Credit Reporting Act ( <em>FCRA</em> ) **, regarding <em>your</em> failure to comply with the required regulations for handling consumer information. \n\nSpecifically, I believe that <em>your</em> company has <em>violated</em> the <em>FCRA</em> in the following ways : 1."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[17.817696,"12490905"]},{"_index":"complaint-public-v1","_id":"11982606","_score":17.793568,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the issues regarding civil liability and negligence noncompliance in relation to the information you are reporting under my credit profile. Specifically, I am referencing Section 1681o of the Fair Credit Reporting Act ( FCRA ), which holds parties responsible for negligent failure to comply with the standards outlined in the FCRA.\n\nUpon review of the information, you provided or are maintaining, I have identified discrepancies and possible violations that warrant your immediate attention. The items, as well as any potential inaccuracies or omissions in the reporting, raise concerns of negligence that may be in violation of the FCRAs strict requirements. I dispute multiple inaccurate accounts, names, addresses and incorrect negative payment history from XXXX. \n\nAs per Section 1681o, I am requesting a thorough investigation into these matters to verify the accuracy and completeness of the information being reported. I also request that you correct any inaccuracies promptly and issue a written statement confirming your findings and the actions taken.\n\nPlease be advised that under this section, a failure to comply with the regulations of the FCRA may subject your company to civil liability for damages resulting from negligence. Given the nature of the disputes outlined above, I expect prompt corrective measures. If I do not receive a satisfactory\nresponse within the legally required timeframe of 30 days, I will be compelled to seek legal remedies available under the FCRA, including pursuing damages as outlined in Section 1681o for any negligence.\n\nI trust that this matter will be handled with the seriousness and urgency it deserves. Kindly confirm receipt of this letter and provide a written response outlining the steps your company will take to investigate and rectify these issues. Should you require further documentation or details to assist in the dispute resolution, please do not hesitate to contact me at your earliest convenience. \n\nThank you for your prompt attention to this matter. I look forward to resolving these issues swiftly.","date_sent_to_company":"2025-02-08T03:40:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76227","tags":null,"has_narrative":true,"complaint_id":"11982606","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-08T03:39:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Kindly confirm receipt of this letter and provide a written <em>response</em> outlining the steps <em>your</em> company will take to <em>investigate</em> and rectify these issues. Should you require further documentation or details to assist in the <em>dispute</em> resolution, please do not hesitate to contact me at <em>your</em> earliest convenience. \n\nThank you for <em>your</em> prompt attention to this matter. I look forward to resolving these issues swiftly."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[17.793568,"11982606"]},{"_index":"complaint-public-v1","_id":"11982608","_score":17.79122,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the issues regarding civil liability and negligence noncompliance in relation to the information you are reporting under my credit profile. Specifically, I am referencing Section 1681o of the Fair Credit Reporting Act ( FCRA ), which holds parties responsible for negligent failure to comply with the standards outlined in the FCRA.\n\nUpon review of the information, you provided or are maintaining, I have identified discrepancies and possible violations that warrant your immediate attention. The items, as well as any potential inaccuracies or omissions in the reporting, raise concerns of negligence that may be in violation of the FCRAs strict requirements. I dispute multiple inaccurate accounts, names, addresses and incorrect negative payment history from XXXX. \n\nAs per Section 1681o, I am requesting a thorough investigation into these matters to verify the accuracy and completeness of the information being reported. I also request that you correct any inaccuracies promptly and issue a written statement confirming your findings and the actions taken.\n\nPlease be advised that under this section, a failure to comply with the regulations of the FCRA may subject your company to civil liability for damages resulting from negligence. Given the nature of the disputes outlined above, I expect prompt corrective measures. If I do not receive a satisfactory\nresponse within the legally required timeframe of 30 days, I will be compelled to seek legal remedies available under the FCRA, including pursuing damages as outlined in Section 1681o for any negligence.\n\nI trust that this matter will be handled with the seriousness and urgency it deserves. Kindly confirm receipt of this letter and provide a written response outlining the steps your company will take to investigate and rectify these issues. Should you require further documentation or details to assist in the dispute resolution, please do not hesitate to contact me at your earliest convenience. \n\nThank you for your prompt attention to this matter. I look forward to resolving these issues swiftly.","date_sent_to_company":"2025-02-08T03:40:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76227","tags":null,"has_narrative":true,"complaint_id":"11982608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-08T03:39:45.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Kindly confirm receipt of this letter and provide a written <em>response</em> outlining the steps <em>your</em> company will take to <em>investigate</em> and rectify these issues. Should you require further documentation or details to assist in the <em>dispute</em> resolution, please do not hesitate to contact me at <em>your</em> earliest convenience. \n\nThank you for <em>your</em> prompt attention to this matter. I look forward to resolving these issues swiftly."],"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 <em>your</em> report"]},"sort":[17.79122,"11982608"]},{"_index":"complaint-public-v1","_id":"11982658","_score":17.789112,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the issues regarding civil liability and negligence noncompliance in relation to the information you are reporting under my credit profile. Specifically, I am referencing Section 1681o of the Fair Credit Reporting Act ( FCRA ), which holds parties responsible for negligent failure to comply with the standards outlined in the FCRA.\n\nUpon review of the information, you provided or are maintaining, I have identified discrepancies and possible violations that warrant your immediate attention. The items, as well as any potential inaccuracies or omissions in the reporting, raise concerns of negligence that may be in violation of the FCRAs strict requirements. I dispute multiple inaccurate accounts, names, addresses and incorrect negative payment history from XXXX. \n\nAs per Section 1681o, I am requesting a thorough investigation into these matters to verify the accuracy and completeness of the information being reported. I also request that you correct any inaccuracies promptly and issue a written statement confirming your findings and the actions taken.\n\nPlease be advised that under this section, a failure to comply with the regulations of the FCRA may subject your company to civil liability for damages resulting from negligence. Given the nature of the disputes outlined above, I expect prompt corrective measures. If I do not receive a satisfactory\nresponse within the legally required timeframe of 30 days, I will be compelled to seek legal remedies available under the FCRA, including pursuing damages as outlined in Section 1681o for any negligence.\n\nI trust that this matter will be handled with the seriousness and urgency it deserves. Kindly confirm receipt of this letter and provide a written response outlining the steps your company will take to investigate and rectify these issues. Should you require further documentation or details to assist in the dispute resolution, please do not hesitate to contact me at your earliest convenience. \n\nThank you for your prompt attention to this matter. I look forward to resolving these issues swiftly.","date_sent_to_company":"2025-02-08T03:40:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76227","tags":null,"has_narrative":true,"complaint_id":"11982658","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-08T03:11:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Kindly confirm receipt of this letter and provide a written <em>response</em> outlining the steps <em>your</em> company will take to <em>investigate</em> and rectify these issues. Should you require further documentation or details to assist in the <em>dispute</em> resolution, please do not hesitate to contact me at <em>your</em> earliest convenience. \n\nThank you for <em>your</em> prompt attention to this matter. I look forward to resolving these issues swiftly."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[17.789112,"11982658"]},{"_index":"complaint-public-v1","_id":"11565990","_score":17.717869,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the results of my recent credit report investigations conducted by XXXX. I believe that your investigation into my disputes has not adhered to the legal standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically in relation to sections 1681i and 1681s-2. As a result, the information on my credit report remains inaccurate or unresolved, which violates my rights under the FCRA. \nFCRA Violations : FCRA Section 1681i Duty to Investigate Disputes : Under FCRA Section 1681i, XXXX is legally obligated to conduct a reasonable investigation when I dispute information on my credit report. Your investigation process was either insufficient or incomplete, as evidenced by the fact that the disputed items remain unresolved or inaccurately reported. This failure to properly investigate violates my rights under the FCRA.\n\nFCRA Section 1681i ( a ) ( 1 ) ( A ) Reasonable Procedures : The FCRA mandates that credit reporting agencies like XXXX use reasonable procedures to ensure the accuracy and completeness of the information reported. A failure to fully investigate the disputed items demonstrates a lack of reasonable procedures, as required by law.\n\nFCRA Section 1681s-2 ( b ) Duty of Furnishers of Information : According to Section 1681s\n-2 ( b ), once XXXX receives notice of a dispute, the furnisher of the disputed information must investigate and report the findings back to the credit reporting agency. It appears that XXXX failed to comply with these regulations, as my dispute remains unresolved. \nApplicable Penalties and Consequences : As you may be aware, the FCRA enforces penalties for failing to comply with the investigation and reporting requirements : FCRA Section 1681n Willful Noncompliance : If a credit reporting agency willfully fails to follow the procedures mandated by the FCRA, they may be subject to statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to actual damages, attorney fees, and punitive damages.\n\nFCRA Section 1681o Negligent Noncompliance : If the noncompliance is found to be negligent, the agency may be liable for actual damages, court costs, and attorney fees, without the possibility of punitive damages. \nDue to the failure to conduct a thorough investigation, I am requesting that you immediately take the following actions : Provide documentation showing that the investigation was properly carried out, including any supporting evidence or records that were used to resolve the dispute.\n\nCorrect any inaccuracies on my credit report resulting from the improper investigation.\n\nPlease be advised that I expect a response within the 30-day statutory period, as required by law. If this matter is not resolved within that timeframe, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing legal remedies, including possible civil action for damages under the FCRA. \nThank you for your prompt attention to this matter. I trust that you will address this dispute in full compliance with the FCRA and ensure my credit report accurately reflects all relevant information.","date_sent_to_company":"2025-01-16T18:21:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"711XX","tags":null,"has_narrative":true,"complaint_id":"11565990","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-16T18:21:42.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>FCRA</em> <em>Violations</em> : <em>FCRA</em> <em>Section</em> 1681i Duty to <em>Investigate</em> <em>Disputes</em> : Under <em>FCRA</em> <em>Section</em> 1681i, XXXX is legally obligated to conduct a reasonable <em>investigation</em> when I <em>dispute</em> information on my credit report. <em>Your</em> <em>investigation</em> process was either insufficient or incomplete, as evidenced by the fact that the <em>disputed</em> items remain unresolved or inaccurately reported. This failure to properly <em>investigate</em> <em>violates</em> my rights under the <em>FCRA</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[17.717869,"11565990"]},{"_index":"complaint-public-v1","_id":"11579990","_score":17.710186,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the results of my recent credit report investigations conducted by Experian. I believe that your investigation into my disputes has not adhered to the legal standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically in relation to sections XXXX and XXXX. As a result, the information on my credit report remains inaccurate or unresolved, which violates my rights under the FCRA.\n\nFCRA Violations : FCRA Section 1681i Duty to Investigate Disputes : Under FCRA Section 1681i, Experian is legally obligated to conduct a reasonable investigation when I dispute information on my credit report. Your investigation process was either insufficient or incomplete, as evidenced by the fact that the disputed items remain unresolved or inaccurately reported. This failure to properly investigate violates my rights under the FCRA. \nFCRA Section 1681i ( a ) ( 1 ) ( A ) Reasonable Procedures : The FCRA mandates that credit reporting agencies like Experian use reasonable procedures to ensure the accuracy and completeness of the information reported. A failure to fully investigate the disputed items demonstrates a lack of reasonable procedures, as required by law.\n\nFCRA Section 1681s-2 ( b ) Duty of Furnishers of Information : According to Section 1681s-2 ( b ), once Experian receives notice of a dispute, the furnisher of the disputed information must investigate and report the findings back to the credit reporting agency. It appears that Experian failed to comply with these regulations, as my dispute remains unresolved. \nApplicable Penalties and Consequences : As you may be aware, the FCRA enforces penalties for failing to comply with the investigation and reporting requirements : FCRA Section 1681n Willful Noncompliance : If a credit reporting agency willfully fails to follow the procedures mandated by the FCRA, they may be subject to statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to actual damages, attorney fees, and punitive damages.\n\nFCRA Section 1681o Negligent Noncompliance : If the noncompliance is found to be negligent, the agency may be liable for actual damages, court costs, and attorney fees, without the possibility of punitive damages.\n\nDue to the failure to conduct a thorough investigation, I am requesting that you immediately take the following actions : Provide documentation showing that the investigation was properly carried out, including any supporting evidence or records that were used to resolve the dispute. \nCorrect any inaccuracies on my credit report resulting from the improper investigation. \nPlease be advised that I expect a response within the XXXX statutory period, as required by law. If this matter is not resolved within that timeframe, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing legal remedies, including possible civil action for damages under the FCRA. \nThank you for your prompt attention to this matter. I trust that you will address this dispute in full compliance with the FCRA and ensure my credit report accurately reflects all relevant information.","date_sent_to_company":"2025-01-16T18:21:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"711XX","tags":null,"has_narrative":true,"complaint_id":"11579990","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T18:15:10.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>FCRA</em> <em>Violations</em> : <em>FCRA</em> <em>Section</em> 1681i Duty to <em>Investigate</em> <em>Disputes</em> : Under <em>FCRA</em> <em>Section</em> 1681i, Experian is legally obligated to conduct a reasonable <em>investigation</em> when I <em>dispute</em> information on my credit report. <em>Your</em> <em>investigation</em> process was either insufficient or incomplete, as evidenced by the fact that the <em>disputed</em> items remain unresolved or inaccurately reported. This failure to properly <em>investigate</em> <em>violates</em> my rights under the <em>FCRA</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[17.710186,"11579990"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":11463,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":11463}]}},"product":{"doc_count":11463,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":8221,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":8176},{"key":"Other personal consumer 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