{"took":143,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":166,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18466361","_score":21.841972,"_source":{"product":"Checking or savings account","complaint_what_happened":"I reported unauthorized debit card transactions on XX/XX/year> after my phone was stolen and my debit card was used via XXXX XXXX without my authorization. Bank of America issued provisional credit on XX/XX/year>. \n\nUnder Regulation E ( 12 CFR 1005.11 ), Bank of America was required to complete its investigation and notify me of the results within 45 calendar days of my notice of error, which was XX/XX/year>. \n\nBank of America did not issue its final decision until XX/XX/year>, exceeding the statutory deadline. Provisional credit does not extend or restart the 45-day deadline. \n\nThis constitutes a violation of Regulation E. I am requesting permanent credit of the disputed funds and written acknowledgment that the investigation was not completed within the required timeframe.","date_sent_to_company":"2026-01-05T14:47:06.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"02026","tags":null,"has_narrative":true,"complaint_id":"18466361","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-01-05T14:32:02.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I am requesting permanent credit of the disputed funds and written acknowledgment that the <em>investigation</em> was not completed <em>within</em> the required <em>timeframe</em>."]},"sort":[21.841972,"18466361"]},{"_index":"complaint-public-v1","_id":"20089461","_score":21.005365,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX in Ohio and financed the purchase through Global Lending Services. \n\nUnder Ohio law the dealership was required to deliver a properly assigned certificate of title within XXXX days of the sale. The dealership did not provide the title within that timeframe. \n\nMy temporary registration was set to expire before the dealership provided the title. I contacted the dealership to ask about the status of the title and whether the temporary tag could be extended so that I could legally operate the vehicle. \n\nThe dealership advised me in writing that if I were stopped by law enforcement after the temporary tag expired I would only receive a warning. I have screenshots of these messages. \n\nThe dealership later emailed a copy of a memo title on XX/XX/XXXX, which was XXXX days after the purchase date. I have never received a physical certificate of title that would allow me to transfer ownership or register the vehicle. \n\nBecause the dealership failed to provide title within the statutory timeframe, I was left with a financed vehicle that I could not legally register or operate. I have not registered the vehicle, have not transferred the title into my name, and have not driven the vehicle since the temporary registration expired. \n\nI requested rescission of the vehicle sale and filed a complaint with the XXXX Attorney General 's Consumer Protection Section ( Case No. XXXX ). \n\nBecause the dealership failed to deliver title within the statutory deadline, the loan may be tied to a legally defective vehicle sale under Ohio law. I am requesting that Global Lending Services review this transaction and investigate the dealerships conduct.","date_sent_to_company":"2026-03-09T13:50:59.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"44641","tags":null,"has_narrative":true,"complaint_id":"20089461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2026-03-09T13:35:50.000Z","state":"OH","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["Because the dealership failed to deliver title <em>within</em> the <em>statutory</em> deadline, the loan may be tied to a legally defective vehicle sale under Ohio law. I am requesting that Global Lending Services review this transaction and <em>investigate</em> the dealerships conduct."]},"sort":[21.005365,"20089461"]},{"_index":"complaint-public-v1","_id":"16278150","_score":20.50674,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal demand for the immediate deletion of the American Express account, which is currently reporting erroneous data on my XXXX credit file. \n\nOn XX/XX/year>, I submitted a Willful Noncompliance Affidavit along with supporting documentation to American Express, disputing the accuracy of the reported account. The materials were sent via XXXX XXXX Mail, and delivery was confirmed by signature. Despite this, I received no response within the legally mandated timeframe, which constitutes multiple violations of federal law. \n\nViolated Statutes and Regulatory Provisions : 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or reasonably should know is inaccurate.\n\n15 U.S.C. 1681s2 ( a ) ( 8 ) ( E ) ( i ) If a furnisher designates a dispute address, the consumer must send disputes there ; I complied via certified mail.\n\n15 U.S.C. 1681s2 ( b ) Upon receiving notice of a dispute from a credit reporting agency, furnishers must investigate and correct inaccurate information. Failure to do so within the statutory window is a violation.\n\n15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit reporting agencies must complete reinvestigations within XXXX days, extendable to XXXX days if additional information is provided. No investigation was completed. \n\n12 C.F.R. 1022.43 Under Regulation V, furnishers must conduct a reasonable investigation of direct disputes and respond within the same timeframe.\n\n15 U.S.C. 1681g I have the right to obtain all information in my credit file, including the source and purpose of any entry. No substantiating documentation has been provided.\n\n15 U.S.C. 1681b Credit inquiries and account reporting must be based on a permissible purpose. No such authorization exists in this case.\n\n15 U.S.C. 1681n and 1681o Willful or negligent noncompliance with the FCRA subjects furnishers to civil liability, including actual damages, statutory damages, and attorneys fees.\n\nResolution Demanded : Due to the failure to investigate, respond, or correct the disputed information within the statutory timeframe, I am demanding the permanent deletion of the American Express account from my Equifax credit report. This demand is backed by federal law and supported by documented evidence of noncompliance. \n\nPlease confirm deletion in writing and provide an updated copy of my credit report reflecting this correction. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-09-30T08:20:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"36605","tags":null,"has_narrative":true,"complaint_id":"16278150","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-09-30T06:52:25.000Z","state":"AL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Failure to do so <em>within</em> the <em>statutory</em> window is a violation.\n\n15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit reporting agencies must complete reinvestigations <em>within</em> XXXX days, <em>extendable</em> to XXXX days if additional information is provided."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[20.50674,"16278150"]},{"_index":"complaint-public-v1","_id":"8103120","_score":19.005547,"_source":{"product":"Debt collection","complaint_what_happened":"According to the FCRA, credit reporting agencies are required to complete investigations within XXXX  days of receiving a dispute. However, it has come to my attention that your bureau is requesting an additional XXXX  days for resolution. This extended timeframe is not in compliance with the statutory requirements and is causing me significant distress. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. As a victim of fraudulent activities, I expected prompt and accurate resolution of my dispute to prevent any further damage to my credit history. The FCRA clearly stipulates a XXXX timeframe for investigations, and I fail to understand why your bureau has chosen to exceed this limit without providing a valid explanation for the delay. \n\nXXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. \nXXXX XXXX XXXX XXXX .... - PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. \n\n\nI kindly request that your bureau promptly review and rectify this situation, ensuring that the investigation is completed within the legally mandated 30 days. Furthermore, I insist that any fraudulent accounts refrain from reporting until a conclusive resolution is reached, as this delay is beyond the acceptable limits set forth by the FCRA.","date_sent_to_company":"2024-01-04T09:02:25.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"8103120","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-04T08:57:43.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["According to the FCRA, credit reporting agencies are required to complete <em>investigations</em> <em>within</em> XXXX  days of receiving a dispute. However, it has come to my attention that your bureau is requesting an additional XXXX  days for resolution. This <em>extended</em> <em>timeframe</em> is not in compliance with the <em>statutory</em> requirements and is causing me significant distress. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit."]},"sort":[19.005547,"8103120"]},{"_index":"complaint-public-v1","_id":"19264428","_score":18.836773,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Via CFPB XXXX and XXXX Mail Re : CFPB Case # XXXX Demand for Immediate Deletion of Unverified and Non-Responsive Collection Account To Whom It May Concern, I am submitting this formal demand for immediate deletion of the above-referenced collection account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX  XXXX due to clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). \nOn XX/XX/XXXX, I filed a formal dispute through the Consumer Financial Protection Bureau regarding this account. As of today, the collection agency has failed to respond to the CFPB complaint and has not provided any verification or substantiation of the alleged debt. It has now been well beyond the required XXXX investigation period and the extended XXXX maximum response timeframe permitted under federal law. \nLegal Basis for Immediate Removal Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable investigation of disputed information within XXXX  days. If the furnisher of information fails to verify the accuracy of the account within this statutory timeframe, the information must be deleted from the consumers credit file. \nFurther, under 15 U.S.C. 1681s-2 ( b ), once notified of a dispute, the furnisher of information must investigate and report verified results back to the credit reporting agencies. Failure to do so renders the continued reporting of the account unlawful. \nAdditionally, pursuant to 15 U.S.C. 1692e ( 8 ) of the FDCPA, it is a violation of federal law for a debt collector to continue reporting information that is disputed and can not be verified. \nBecause the collection agency has failed to respond, verify, and substantiate the alleged debt within the legally mandated timeframe, the account is now considered unverified and legally unverifiable. Continued reporting constitutes willful noncompliance with federal law.","date_sent_to_company":"2026-02-05T06:13:55.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"19702","tags":"Servicemember","has_narrative":true,"complaint_id":"19264428","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2026-02-05T05:54:35.000Z","state":"DE","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["It has now been well beyond the required XXXX <em>investigation</em> period and the <em>extended</em> XXXX maximum response <em>timeframe</em> permitted under federal law. \nLegal Basis for Immediate Removal Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable <em>investigation</em> of disputed information <em>within</em> XXXX  days."]},"sort":[18.836773,"19264428"]},{"_index":"complaint-public-v1","_id":"12178987","_score":18.480541,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXXMr.Cooper Acct # XXXX Is reporting inaccurate information. we were not late we paid as agreed the company is falsifying information on credit report I reached out to them and they advised on XXXX their is nothing they can do. They have turned my account over to their sister company rushmore servicing. They are causing pain and suffering on my credit score it has not recovered. Again if they are doing this to me as just on customer they are doing this to others. I am more than happy to reach out to other consumers who has having/had issues with this service provider. We have paid and made proper modifications to our loan. Due to Mr.cooper kicking the can down the road for the loan modification and telling us we wont be able to qualify for any other help with just 1 late payment. They extended our loan out 9more years and they are in accurately reporting information on my credit. Under the Fair Credit Reporting Act, I request that you investigate these discrepancies and correct any inaccuracies in my credit report. Please complete your investigation within the statutory timeframe and send me a written confirmation of the results. Account was Paid as agreed PAANL","date_sent_to_company":"2025-02-22T20:27:42.000Z","issue":"Incorrect information on your report","sub_product":"Conventional home mortgage","zip_code":"48185","tags":null,"has_narrative":true,"complaint_id":"12178987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2025-02-22T19:38:42.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["They <em>extended</em> our loan out 9more years and they are in accurately reporting information on my credit. Under the Fair Credit Reporting Act, I request that you <em>investigate</em> these discrepancies and correct any inaccuracies in my credit report. Please complete your <em>investigation</em> <em>within</em> the <em>statutory</em> <em>timeframe</em> and send me a written confirmation of the results. Account was Paid as agreed PAANL"]},"sort":[18.480541,"12178987"]},{"_index":"complaint-public-v1","_id":"12846245","_score":18.437466,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representatives, XXXX XXXX XXXX response does not correct multiple FCRA violations. Their response took over 30 days and the report is still incorrect.\n\nI am writing to request your intervention regarding XXXX XXXXXXXX XXXX  ongoing failure to resolve critical inaccuracies in their reporting of my account to the credit bureaus. Despite repeated attempts to address these issues, their investigation has far exceeded the 30-day statutory timeframe required by the Fair Credit Reporting Act ( FCRA ), and their response fails to address the violations adequately.\n\nKey Issues with XXXX XXXX XXXX  Credit Reporting : Excessive Investigation Timeline : Under Section 611 ( a ) of the FCRA, disputes must be investigated and resolved within 30 days ( or 45 days if additional information is provided ). XXXX XXXXXXXX XXXX investigation has exceeded this timeframe, with no resolution or sufficient explanation provided.\n\nMisclassification as Deceased : My credit report was erroneously flagged as deceased, which has caused significant financial and reputational harm. XXXX XXXXXXXX XXXX response fails to directly address this error or confirm corrective actions, violating Section 607 ( b ), which mandates accuracy in reporting.\n\nPersistent Reporting Errors : XXXX XXXX continues to report inaccurate information regarding the account, including potential reaging of the account, which extends the negative reporting period without justification. This practice is a direct violation of Section 623 ( a ) ( 5 ).\n\nFailure to Address FCRA Violations : The letter provided by XXXX XXXX does not fully acknowledge or rectify the outlined inaccuracies, nor does it address their obligations under the FCRA to provide accurate, timely, and verifiable information.","date_sent_to_company":"2025-04-06T22:05:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33177","tags":"Older American","has_narrative":true,"complaint_id":"12846245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-06T22:05:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Despite repeated attempts to address these issues, their <em>investigation</em> has far exceeded the 30-day <em>statutory</em> <em>timeframe</em> required by the Fair Credit Reporting Act ( FCRA ), and their response fails to address the violations adequately.\n\nKey Issues with XXXX XXXX XXXX  Credit Reporting : Excessive <em>Investigation</em> Timeline : Under Section 611 ( a ) of the FCRA, disputes must be <em>investigated</em> and resolved <em>within</em> 30 days ( or 45 days if additional information is provided )."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[18.437466,"12846245"]},{"_index":"complaint-public-v1","_id":"12843044","_score":18.403133,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB XXXX, XXXX XXXX 's response does not correct multiple FCRA violations. Their response took over 30 days and the report is still incorrect. \n\nI am writing to request your intervention regarding XXXX XXXX 's ongoing failure to resolve critical inaccuracies in their reporting of my account to the credit bureaus. Despite repeated attempts to address these issues, their investigation has far exceeded the 30-day statutory timeframe required by the Fair Credit Reporting Act ( FCRA ), and their response fails to address the violations adequately. \n\nKey Issues with XXXX XXXX 's Credit Reporting : Excessive Investigation Timeline : Under Section 611 ( a ) of the FCRA, disputes must be investigated and resolved within 30 days ( or 45 days if additional information is provided ). XXXX XXXX 's investigation has exceeded this timeframe, with no resolution or sufficient explanation provided. \n\nMisclassification as Deceased : My credit report was erroneously flagged as deceased, which has caused significant financial and reputational harm. XXXX XXXX 's response fails to directly address this error or confirm corrective actions, violating Section 607 ( b ), which mandates accuracy in reporting. \n\nPersistent Reporting Errors : XXXX XXXX continues to report inaccurate information regarding the account, including potential reaging of the account, which extends the negative reporting period without justification. This practice is a direct violation of Section 623 ( a ) ( 5 ).\n\nFailure to Address FCRA Violations : The letter provided by XXXX XXXX does not fully acknowledge or rectify the outlined inaccuracies, nor does it address their obligations under the FCRA to provide accurate, timely, and verifiable information.","date_sent_to_company":"2025-04-06T22:05:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33177","tags":"Older American","has_narrative":true,"complaint_id":"12843044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-06T22:05:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Despite repeated attempts to address these issues, their <em>investigation</em> has far exceeded the 30-day <em>statutory</em> <em>timeframe</em> required by the Fair Credit Reporting Act ( FCRA ), and their response fails to address the violations adequately. \n\nKey Issues with XXXX XXXX 's Credit Reporting : Excessive <em>Investigation</em> Timeline : Under Section 611 ( a ) of the FCRA, disputes must be <em>investigated</em> and resolved <em>within</em> 30 days ( or 45 days if additional information is provided )."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[18.403133,"12843044"]},{"_index":"complaint-public-v1","_id":"12843111","_score":18.39269,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representatives, XXXX XXXX XXXX  response does not correct multiple FCRA violations. Their response took over 30 days and the report is still incorrect. \n\nI am writing to request your intervention regarding XXXX XXXX XXXX ongoing failure to resolve critical inaccuracies in their reporting of my account to the credit bureaus. Despite repeated attempts to address these issues, their investigation has far exceeded the 30-day statutory timeframe required by the Fair Credit Reporting Act ( FCRA ), and their response fails to address the violations adequately.\n\nKey Issues with XXXX XXXX XXXX Credit Reporting : Excessive Investigation Timeline : Under Section 611 ( a ) of the FCRA, disputes must be investigated and resolved within 30 days ( or 45 days if additional information is provided ). XXXX XXXX XXXX investigation has exceeded this timeframe, with no resolution or sufficient explanation provided. \n\nMisclassification as Deceased : My credit report was erroneously flagged as deceased, which has caused significant financial and reputational harm. XXXX XXXX XXXX response fails to directly address this error or confirm corrective actions, violating Section 607 ( b ), which mandates accuracy in reporting.\n\nPersistent Reporting Errors : XXXX XXXX continues to report inaccurate information regarding the account, including potential reaging of the account, which extends the negative reporting period without justification. This practice is a direct violation of Section 623 ( a ) ( 5 ). \n\nFailure to Address FCRA Violations : The letter provided by XXXX XXXX does not fully acknowledge or rectify the outlined inaccuracies, nor does it address their obligations under the FCRA to provide accurate, timely, and verifiable information.","date_sent_to_company":"2025-04-06T22:05:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33177","tags":"Older American","has_narrative":true,"complaint_id":"12843111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Marlette Funding, LLC","date_received":"2025-04-06T21:51:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Despite repeated attempts to address these issues, their <em>investigation</em> has far exceeded the 30-day <em>statutory</em> <em>timeframe</em> required by the Fair Credit Reporting Act ( FCRA ), and their response fails to address the violations adequately.\n\nKey Issues with XXXX XXXX XXXX Credit Reporting : Excessive <em>Investigation</em> Timeline : Under Section 611 ( a ) of the FCRA, disputes must be <em>investigated</em> and resolved <em>within</em> 30 days ( or 45 days if additional information is provided )."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[18.39269,"12843111"]},{"_index":"complaint-public-v1","_id":"12843045","_score":18.39269,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representatives, XXXX XXXX XXXX  response does not correct multiple FCRA violations. Their response took over 30 days and the report is still incorrect.\n\nI am writing to request your intervention regarding XXXXXXXX XXXX XXXX ongoing failure to resolve critical inaccuracies in their reporting of my account to the credit bureaus. Despite repeated attempts to address these issues, their investigation has far exceeded the 30-day statutory timeframe required by the Fair Credit Reporting Act ( FCRA ), and their response fails to address the violations adequately.\n\nKey Issues with XXXX XXXXXXXX XXXX Credit Reporting : Excessive Investigation Timeline : Under Section 611 ( a ) of the FCRA, disputes must be investigated and resolved within 30 days ( or 45 days if additional information is provided ). XXXX XXXXXXXX XXXX investigation has exceeded this timeframe, with no resolution or sufficient explanation provided.\n\nMisclassification as Deceased : My credit report was erroneously flagged as deceased, which has caused significant financial and reputational harm. XXXX XXXXXXXX XXXX response fails to directly address this error or confirm corrective actions, violating Section 607 ( b ), which mandates accuracy in reporting.\n\nPersistent Reporting Errors : XXXX XXXX continues to report inaccurate information regarding the account, including potential reaging of the account, which extends the negative reporting period without justification. This practice is a direct violation of Section 623 ( a ) ( 5 ).\n\nFailure to Address FCRA Violations : The letter provided by XXXX XXXX does not fully acknowledge or rectify the outlined inaccuracies, nor does it address their obligations under the FCRA to provide accurate, timely, and verifiable information.","date_sent_to_company":"2025-04-06T22:05:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33177","tags":"Older American","has_narrative":true,"complaint_id":"12843045","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-06T22:05:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Despite repeated attempts to address these issues, their <em>investigation</em> has far exceeded the 30-day <em>statutory</em> <em>timeframe</em> required by the Fair Credit Reporting Act ( FCRA ), and their response fails to address the violations adequately.\n\nKey Issues with XXXX XXXXXXXX XXXX Credit Reporting : Excessive <em>Investigation</em> Timeline : Under Section 611 ( a ) of the FCRA, disputes must be <em>investigated</em> and resolved <em>within</em> 30 days ( or 45 days if additional information is provided )."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[18.39269,"12843045"]},{"_index":"complaint-public-v1","_id":"13962696","_score":18.320702,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because TransUnion is improperly extending the investigation of my disputes, violating the Fair Credit Reporting Act ( FCRA ) investigation timelines. \n- On XX/XX/XXXX, I mailed 4 separate disputes regarding 4 separate accounts that had factual data errors or inconsistencies via XXXX Certified Mail - One item ( tracking # XXXX ) was delivered XX/XX/XXXX, while 3 other items ( tracking # XXXX XXXX, XXXX and XXXX ) were delivered on XX/XX/XXXX - My initial dispute mailings included ALL necessary supporting documentation for a complete investigation. I did NOT provide any additional information to TransUnion after these initial mailings. \n- On XX/XX/XXXX, I received a letter via US Mail from TransUnion ( file number XXXX ) stating that they received my initial correspondence on XX/XX/XXXX ( incorrect ) and 'additional information ' on XX/XX/XXXX ( false claim ), and that the investigation period has been extended by 15 days, with a new completion date of XX/XX/XXXX ( incorrect calculation ). \n- Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to complete its investigation within 30 days of receiving my dispute. The 45-day extension ( 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) ) only applies if the consumer provides additional relevant information during the XXXXday period, which I did not.\n\n-Therefore, the true 30-day deadlines are XX/XX/XXXX, and XX/XX/XXXX. By relying on an invalid extension, TransUnion is already demonstrating non-compliance with the FCRA - I demand that TransUnion immediately delete these disputed items as they have failed to properly conduct the investigation within the statutory 30-day period, and the furnishers have likely failed to verify the inaccurate information within this timeframe.","date_sent_to_company":"2025-06-08T02:14:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32258","tags":null,"has_narrative":true,"complaint_id":"13962696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-08T01:58:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["By relying on an invalid extension, TransUnion is already demonstrating non-compliance with the FCRA - I demand that TransUnion immediately delete these disputed items as they have failed to properly conduct the <em>investigation</em> <em>within</em> the <em>statutory</em> 30-day period, and the furnishers have likely failed to verify the inaccurate information <em>within</em> this <em>timeframe</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[18.320702,"13962696"]},{"_index":"complaint-public-v1","_id":"8652611","_score":17.582253,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2024, I submitted a letter outlining inaccuracies and unknown items appearing on my credit report. Despite the statutory requirement for a response within 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed. \n\nUnder Section 611 ( a ) of the Fair Credit Reporting Act, any failure to investigate reported discrepancies within the mandated timeframe warrants the immediate removal of those items from the credit report. Given the extended period without any action taken, I am deeply troubled by the lack of response and the apparent neglect of my dispute. \n\nAdditionally, I am gravely concerned about the potential compromise of my personal information due to the Equifax data breach. As a victim of this breach, I fear that my sensitive data may have fallen into the wrong hands, leading to further issues with identity theft or financial fraud.\n\nThe combination of unresolved credit report discrepancies and the looming threat of data breach repercussions has caused significant stress and uncertainty for me. I implore your office to address these matters with the utmost urgency and professionalism to safeguard my rights and financial well-being. \n\nIn light of the prolonged delay and the potential risks posed by the data breach, I demand immediate action to rectify the inaccuracies on my credit report and to provide assurances regarding the security of my personal information. \n\nI appreciate your attention to this matter and eagerly await your response and resolution of these pressing concerns.","date_sent_to_company":"2024-03-29T14:10:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"66605","tags":null,"has_narrative":true,"complaint_id":"8652611","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-29T14:10:22.000Z","state":"KS","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Despite the <em>statutory</em> requirement for a response <em>within</em> 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed. \n\nUnder Section 611 ( a ) of the Fair Credit Reporting Act, any failure to <em>investigate</em> reported discrepancies <em>within</em> the mandated <em>timeframe</em> warrants the immediate removal of those items from the credit report."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[17.582253,"8652611"]},{"_index":"complaint-public-v1","_id":"8652610","_score":17.582253,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2024, I submitted a letter outlining inaccuracies and unknown items appearing on my credit report. Despite the statutory requirement for a response within 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed.\n\nUnder Section 611 ( a ) of the Fair Credit Reporting Act, any failure to investigate reported discrepancies within the mandated timeframe warrants the immediate removal of those items from the credit report. Given the extended period without any action taken, I am deeply troubled by the lack of response and the apparent neglect of my dispute. \n\nAdditionally, I am gravely concerned about the potential compromise of my personal information due to the XXXX data breach. As a victim of this breach, I fear that my sensitive data may have fallen into the wrong hands, leading to further issues with identity theft or financial fraud.\n\nThe combination of unresolved credit report discrepancies and the looming threat of data breach repercussions has caused significant stress and uncertainty for me. I implore your office to address these matters with the utmost urgency and professionalism to safeguard my rights and financial well-being. \n\nIn light of the prolonged delay and the potential risks posed by the data breach, I demand immediate action to rectify the inaccuracies on my credit report and to provide assurances regarding the security of my personal information. \n\nI appreciate your attention to this matter and eagerly await your response and resolution of these pressing concerns.","date_sent_to_company":"2024-03-29T14:10:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"66605","tags":null,"has_narrative":true,"complaint_id":"8652610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-29T14:10:22.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Despite the <em>statutory</em> requirement for a response <em>within</em> 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed.\n\nUnder Section 611 ( a ) of the Fair Credit Reporting Act, any failure to <em>investigate</em> reported discrepancies <em>within</em> the mandated <em>timeframe</em> warrants the immediate removal of those items from the credit report."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[17.582253,"8652610"]},{"_index":"complaint-public-v1","_id":"8652683","_score":17.53956,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I submitted a letter outlining inaccuracies and unknown items appearing on my credit report. Despite the statutory requirement for a response within 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed. \n\nUnder Section 611 ( a ) of the Fair Credit Reporting Act, any failure to investigate reported discrepancies within the mandated timeframe warrants the immediate removal of those items from the credit report. Given the extended period without any action taken, I am deeply troubled by the lack of response and the apparent neglect of my dispute. \n\nAdditionally, I am gravely concerned about the potential compromise of my personal information due to the XXXX data breach. As a victim of this breach, I fear that my sensitive data may have fallen into the wrong hands, leading to further issues with identity theft or financial fraud. \n\nThe combination of unresolved credit report discrepancies and the looming threat of data breach repercussions has caused significant stress and uncertainty for me. I implore your office to address these matters with the utmost urgency and professionalism to safeguard my rights and financial well-being. \n\nIn light of the prolonged delay and the potential risks posed by the data breach, I demand immediate action to rectify the inaccuracies on my credit report and to provide assurances regarding the security of my personal information. \n\nI appreciate your attention to this matter and eagerly await your response and resolution of these pressing concerns.","date_sent_to_company":"2024-03-29T14:10:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"66605","tags":null,"has_narrative":true,"complaint_id":"8652683","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-29T13:35:26.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Despite the <em>statutory</em> requirement for a response <em>within</em> 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed. \n\nUnder Section 611 ( a ) of the Fair Credit Reporting Act, any failure to <em>investigate</em> reported discrepancies <em>within</em> the mandated <em>timeframe</em> warrants the immediate removal of those items from the credit report."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[17.53956,"8652683"]},{"_index":"complaint-public-v1","_id":"8108970","_score":17.372662,"_source":{"product":"Debt collection","complaint_what_happened":"According to the FCRA, credit reporting agencies are required to complete investigations within 30 days of receiving a dispute. However, it has come to my attention that your bureau is requesting an additional 60 days for resolution. This extended timeframe is not in compliance with the statutory requirements and is causing me significant distress. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. As a victim of fraudulent activities, I expected prompt and accurate resolution of my dispute to prevent any further damage to my credit history. The FCRA clearly stipulates a XXXX timeframe for investigations, and I fail to understand why your bureau has chosen to exceed this limit without providing a valid explanation for the delay. \n\nXXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. \nXXXX XXXX XXXX XXXX .... - PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. \nXXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. \n\nI kindly request that your bureau promptly review and rectify this situation, ensuring that the investigation is completed within the legally mandated 30 days. Furthermore, I insist that any fraudulent accounts refrain from reporting until a conclusive resolution is reached, as this delay is beyond the acceptable limits set forth by the FCRA.","date_sent_to_company":"2024-01-04T09:02:30.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"8108970","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-04T08:58:14.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["According to the FCRA, credit reporting agencies are required to complete <em>investigations</em> <em>within</em> 30 days of receiving a dispute. However, it has come to my attention that your bureau is requesting an additional 60 days for resolution. This <em>extended</em> <em>timeframe</em> is not in compliance with the <em>statutory</em> requirements and is causing me significant distress. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit."]},"sort":[17.372662,"8108970"]},{"_index":"complaint-public-v1","_id":"20924574","_score":17.088337,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I submitted a billing dispute to Citibank regarding charges totaling {$5400.00} on my Home Depot XXXX  Credit Card account related to nondelivery and delivery-timing issues. \nCitibank acknowledged the dispute on XX/XX/XXXX, stating that the amount would be placed in dispute and that the investigation would be completed within 60 days, with a written resolution to follow. \nOn XX/XX/XXXX, multiple conflicting communications were issued by The Home Depot regarding the same account, including : A notice confirming the dispute remained open and no payment was required A notice stating the dispute was resolved based on a {$1300.00} credit unrelated to the primary dispute A notice continuing to reference ongoing review and dispute procedures On XX/XX/XXXX, I received additional communication stating that credits had been issued and that the investigation was still ongoing.\n\nMost recently, Citibank confirmed that a credit in the amount of {$5400.00} has been applied ; however, they also explicitly stated that the investigation remains incomplete and that they are awaiting a response from the merchant.\n\nCitibank has stated that it is awaiting a response from the merchant ; however, under Regulation Z ( 12 CFR 1026.13 ( c ) ( 2 ) ), a creditor is required to complete its investigation within the statutory timeframe and may not delay resolution indefinitely while awaiting a merchant response.\n\nPursuant to the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z, a creditor is required to resolve a billing dispute within two billing cycles, not to exceed 90 days, from the date the dispute is received.\n\nThe 90-day statutory period began when my dispute was submitted on XX/XX/XXXX, and expired on or about XX/XX/XXXX. As of today, Citibank has not provided a formal written determination and continues to state that the investigation remains incomplete.\n\nIn its response, Citibank stated that it regrets the confusion caused by the XX/XX/XXXX communications but failed to reconcile or explain the multiple contradictory notices issued on that date. These communications simultaneously indicated that the dispute was active, resolved, and under review. Citibank has not clarified which communication reflects the actual status of the dispute, nor has it explained how an unrelated {$1300.00} credit was used to suggest resolution of a separate {$5400.00} dispute. This failure to provide a clear and consistent explanation further demonstrates that no proper investigation or determination has been completed.\n\nThis constitutes a failure to comply with federal law. A creditor may not extend the investigation period beyond 90 days while awaiting a merchant response, nor rely on inconsistent or unexplained communications in lieu of a formal determination.\n\nI previously submitted a complaint regarding this matter, which was closed after Citibank responded ; however, the response did not address the failure to comply with the statutory investigation timeline or provide a valid written determination. I am submitting this complaint to request proper regulatory review of this ongoing compliance issue.\n\nAdditional information provided by consumer : XXXX Consumer stated that the company is going to be Citibank.","date_sent_to_company":"2026-05-28T11:28:02.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"22079","tags":null,"has_narrative":true,"complaint_id":"20924574","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-03T16:40:16.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Citibank has stated that it is awaiting a response from the merchant ; however, under Regulation Z ( 12 CFR 1026.13 ( c ) ( 2 ) ), a creditor is required to complete its <em>investigation</em> <em>within</em> the <em>statutory</em> <em>timeframe</em> and may not delay resolution indefinitely while awaiting a merchant response."]},"sort":[17.088337,"20924574"]},{"_index":"complaint-public-v1","_id":"17428171","_score":16.87324,"_source":{"product":"Student loan","complaint_what_happened":"MOHELAs additional research needed response is unacceptable and is a direct violation of federal law. This is a stall tactic and does not meet the requirements of the Fair Credit Reporting Act.\n\nUnder 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a furnisher and CRA have 30 days to complete a reasonable investigation. They can not extend this period simply because they do not have the records, and they can not continue reporting information that is unverified, disputed, or incomplete.\n\nEquifax already deleted this same MOHELA account after CFPB intervention. That proves the information is unverifiable. If it cant be verified for one bureau, it can not be verified for any bureau. Continuing to report unverified data violates 15 U.S.C. 1681e ( b ) ( failure to maintain maximum accuracy ) and 15 U.S.C. 1681s-2 ( b ) ( failure of the furnisher to investigate and correct inaccurate information ).\n\nMOHELAs inability to produce documentation within the required window is not my problem.\n\nThe law is clear : If verification can not be produced, the account MUST be deleted.\n\nAnything else is a violation.\n\nI am requesting CFPB enforcement for the following : Immediate deletion of the MOHELA account from TransUnion due to failure to verify within the statutory timeframe.\n\nA determination that MOHELA is in violation of 1681i, 1681e ( b ), and 1681s-2 ( b ).\n\nWritten proof of what MOHELA claims to be researching, since they have already exceeded the lawful period for investigation.\n\nConfirmation that TransUnion stops reporting disputed and unverified information, per FCRA 1681c-2.\n\nMOHELA has had more than enough time. Their inability to provide evidence is not additional researchit is noncompliance. The FCRA does not allow companies to drag out investigations indefinitely to avoid deleting inaccurate information.\n\nI am demanding immediate action.","date_sent_to_company":"2025-11-21T12:22:07.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"610XX","tags":null,"has_narrative":true,"complaint_id":"17428171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-11-21T12:07:37.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am requesting CFPB enforcement for the following : Immediate deletion of the MOHELA account from TransUnion due to failure to verify <em>within</em> the <em>statutory</em> <em>timeframe</em>.\n\nA determination that MOHELA is in violation of 1681i, 1681e ( b ), and 1681s-2 ( b ).\n\nWritten proof of what MOHELA claims to be researching, since they have already exceeded the lawful period for <em>investigation</em>.\n\nConfirmation that TransUnion stops reporting disputed and unverified information, per FCRA 1681c-2."]},"sort":[16.87324,"17428171"]},{"_index":"complaint-public-v1","_id":"11920344","_score":16.778402,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint for Removal of Child Support from Credit Report Account Number : [ XXXX ] I am writing to file a formal complaint regarding the improper reporting of child support obligations on my credit report. Based on the Fair Credit Reporting Act ( FCRA ) and its implementing regulations, I am requesting the immediate removal of all child support entries from my credit report for the following legal reasons : **Legal Basis for Removal** 1. The FCRA defines consumer credit transactions under 15 U.S.C. 1679a ( 3 ) as transactions involving \" credit extended to a consumer primarily for personal, family, or household purposes. '' Child support obligations do not meet this statutory definition as they : - Are not extensions of credit - Do not involve a creditor-debtor relationship- Are court-ordered obligations rather than voluntary credit arrangements 2. Under 15 U.S.C. 1681b, credit reports may only be furnished for permissible purposes, which primarily relate to : - Credit transactions - Employment purposes - Insurance underwriting - Legitimate business needs The reporting of child support obligations falls outside these permissible purposes as defined by the statute. \n\n**Violation of FCRA Requirements** The current reporting of my child support obligations violates several key provisions of the FCRA : 1. Section 1681e ( b ) requires consumer reporting agencies to \" follow reasonable procedures to assure maximum possible accuracy. '' Including non-credit items like child support violates this accuracy requirement.\n\n2. Section 1681c governs the content of consumer reports and does not explicitly authorize the reporting of child support obligations.\n\n**Request for Action** Pursuant to these violations, I formally request : 1. Immediate investigation of this matter 2. Removal of all child support entries from my credit report 3. Notification to all parties who have received my credit report within the last six months of this error 4. Written confirmation of these actions within 30 days If the requested actions are not taken within the statutory timeframe, I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to : - Actual damages under 15 U.S.C. 1681n - Statutory damages- Punitive damages- Attorney 's fees and costs Please note that under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you have 30 days from receipt of this complaint to conduct a reasonable investigation and respond to this request. \n\n\nI look forward to your prompt response and resolution of this matter. All communications regarding this complaint should be sent to :","date_sent_to_company":"2025-02-05T03:18:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"11920344","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-05T03:09:34.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Written confirmation of these actions <em>within</em> 30 days If the requested actions are not taken <em>within</em> the <em>statutory</em> <em>timeframe</em>, I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to : - Actual damages under 15 U.S.C. 1681n - <em>Statutory</em> damages- Punitive damages- Attorney 's fees and costs Please note that under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you have 30 days from receipt of this complaint to conduct a reasonable <em>investigation</em> and respond to this request"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.778402,"11920344"]},{"_index":"complaint-public-v1","_id":"11919607","_score":16.723078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint for Removal of Child Support from Credit Report Account Number : [ XXXX ] I am writing to file a formal complaint regarding the improper reporting of child support obligations on my credit report. Based on the Fair Credit Reporting Act ( FCRA ) and its implementing regulations, I am requesting the immediate removal of all child support entries from my credit report for the following legal reasons : **Legal Basis for Removal** 1. The FCRA defines consumer credit transactions under 15 U.S.C. 1679a ( 3 ) as transactions involving \" credit extended to a consumer primarily for personal, family, or household purposes. '' Child support obligations do not meet this statutory definition as they : - Are not extensions of credit - Do not involve a creditor-debtor relationship- Are court-ordered obligations rather than voluntary credit arrangements 2. Under 15 U.S.C. 1681b, credit reports may only be furnished for permissible purposes, which primarily relate to : - Credit transactions - Employment purposes - Insurance underwriting - Legitimate business needs The reporting of child support obligations falls outside these permissible purposes as defined by the statute. \n\n**Violation of FCRA Requirements** The current reporting of my child support obligations violates several key provisions of the FCRA : 1. Section 1681e ( b ) requires consumer reporting agencies to \" follow reasonable procedures to assure maximum possible accuracy. '' Including non-credit items like child support violates this accuracy requirement.\n\n2. Section 1681c governs the content of consumer reports and does not explicitly authorize the reporting of child support obligations.\n\n**Request for Action** Pursuant to these violations, I formally request : 1. Immediate investigation of this matter 2. Removal of all child support entries from my credit report 3. Notification to all parties who have received my credit report within the last six months of this error 4. Written confirmation of these actions within 30 days If the requested actions are not taken within the statutory timeframe, I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to : - Actual damages under 15 U.S.C. 1681n - Statutory damages- Punitive damages- Attorney 's fees and costs Please note that under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you have 30 days from receipt of this complaint to conduct a reasonable investigation and respond to this request. \n\n\nI look forward to your prompt response and resolution of this matter. All communications regarding this complaint should be sent to :","date_sent_to_company":"2025-02-05T03:26:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"11919607","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-05T03:19:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Written confirmation of these actions <em>within</em> 30 days If the requested actions are not taken <em>within</em> the <em>statutory</em> <em>timeframe</em>, I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to : - Actual damages under 15 U.S.C. 1681n - <em>Statutory</em> damages- Punitive damages- Attorney 's fees and costs Please note that under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you have 30 days from receipt of this complaint to conduct a reasonable <em>investigation</em> and respond to this request"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.723078,"11919607"]},{"_index":"complaint-public-v1","_id":"16235963","_score":16.69733,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against Experian regarding its failure to comply with the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ) in handling my credit dispute. \nOn XX/XX/year>, XXXX Tracking ( No. [ insert tracking # ] ) confirmed delivery of my dispute package to Experians facility at XXXX XXXX  in XXXX, PA. Despite this, Experian has claimed the dispute was not received until XX/XX/year>, effectively attempting to extend the statutory XXXX dispute timeline by XXXX additional days. \nThis is a violation of my rights under the FCRA. The law requires that disputes be investigated and completed within 30 days of receipt, which in this case was XX/XX/year>. By incorrectly adjusting the receipt date, Experian is unlawfully delaying the resolution process. \nSummary of Complaint : Account in dispute : XXXX XXXX, account # XXXX. \nDate of actual receipt ( per XXXX ) : XX/XX/year>. \nDate Experian falsely acknowledges receipt : XX/XX/year>. \nLegal violation : Failure to begin the XXXX investigation window from the actual date of delivery, as required by FCRA 611. \nRequested Resolution : XXXX. CFPB intervention to require Experian to honor the actual delivery date of XX/XX/year>. \nXXXX. Enforcement of the XXXX deadline, requiring Experian to complete its investigation by XX/XX/year>. \nXXXX. Assurance that Experian corrects its internal handling procedures to prevent similar consumer harm in the future. \nAttached are : XXXX Tracking proof of delivery on XX/XX/year>. \nExperians notice falsely claiming receipt on XX/XX/year>. \nI respectfully request that the CFPB hold Experian accountable for violating federal law and ensure my dispute is handled within the legally required timeframe. \nThank you for your assistance.","date_sent_to_company":"2025-09-30T01:03:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33162","tags":null,"has_narrative":true,"complaint_id":"16235963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-30T00:41:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Despite this, Experian has claimed the dispute was not received until XX/XX/year>, effectively attempting to <em>extend</em> the <em>statutory</em> XXXX dispute timeline by XXXX additional days. \nThis is a violation of my rights under the FCRA. The law requires that disputes be <em>investigated</em> and completed <em>within</em> 30 days of receipt, which in this case was XX/XX/year>. By incorrectly adjusting the receipt date, Experian is unlawfully delaying the resolution process."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.69733,"16235963"]},{"_index":"complaint-public-v1","_id":"15644162","_score":16.186451,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against the following debt XXXX and the credit bureau Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, I mailed dispute letters to TransUnion regarding the inaccurate collection accounts being reported by the above entities. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receipt of a consumers dispute ( extended to 45 days only if additional information is provided by the consumer ). \n\nAs of today, it has been more than 30 days since my dispute was received, and I have not received any response or results of an investigation from TransUnion. This is a clear violation of my rights under the FCRA. \n\nFurthermore : FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) requires the credit bureau to delete or correct any disputed information that can not be verified.\n\nFCRA 609 ( 15 U.S.C. 1681g ) requires the credit bureau to provide me with all information in my credit file upon request.\n\nFailure to respond within the statutory time frame constitutes willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ) and negligent noncompliance under FCRA 617 ( 15 U.S.C. 1681o ). \n\nSince XXXX and the above debt XXXX have failed to provide verification of these accounts within the required timeframe, I request the immediate removal of these collection accounts from my credit file.","date_sent_to_company":"2025-09-01T18:37:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78577","tags":null,"has_narrative":true,"complaint_id":"15644162","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-01T18:33:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Failure to respond <em>within</em> the <em>statutory</em> time frame constitutes willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ) and negligent noncompliance under FCRA 617 ( 15 U.S.C. 1681o ). \n\nSince XXXX and the above debt XXXX have failed to provide verification of these accounts <em>within</em> the required <em>timeframe</em>, I request the immediate removal of these collection accounts from my credit file."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.186451,"15644162"]},{"_index":"complaint-public-v1","_id":"15192287","_score":16.008274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FINAL NOTICE FAILURE TO COMPLY WITH FCRA INVESTIGATION DEADLINE FCRA 611 ( a ) Demand for Immediate Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXX/XX/XXXX Via Certified Mail Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Failure to Respond to Dispute XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX CFPB Complaint Date : XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX, I submitted a written dispute regarding an inaccurate 30-day late payment reporting for XX/XX/XXXX on my XXXX XXXX XXXX account ( Account # XXXX XXXX XXXX XXXX XXXX XXXX  This dispute was properly filed with full identifying information and supporting documentation. \n\nUnder the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation and provide the results within 30 days of receiving the dispute ( or 45 days if extended under 611 ( a ) ( 1 ) ( B ) due to additional information being provided ). My dispute has now been open for 57 days without a final determination well beyond the statutory deadline. \n\nYour failure to complete the investigation and provide results within the timeframe prescribed by law constitutes a clear violation of the FCRA. As the disputed late payment has not been verified within the required period, you are legally obligated to delete the disputed information from my credit file.\n\nDemand for Immediate Action : 1. Delete the XX/XX/XXXX XXXX late payment from my XXXX XXXX XXXX  account. \n2. Provide written confirmation of deletion within 5 business days of receipt of this notice.\n\n3. Update and furnish corrected credit reports to all parties who have accessed my file in the last six months, as required under FCRA 611 ( d ).\n\nIf you fail to comply with this demand, I will proceed with all available legal remedies, including : Filing a follow-up CFPB complaint citing your violation. \nReporting this violation to my State Attorney Generals Office.\n\nPursuing a civil action under FCRA 616617 for willful and/or negligent noncompliance, seeking statutory damages, actual damages, attorneys fees, and court costs.\n\nThis letter serves as final notice before escalation. Please govern yourself accordingly. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX","date_sent_to_company":"2025-08-11T06:01:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48221","tags":null,"has_narrative":true,"complaint_id":"15192287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-11T04:49:35.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Your failure to complete the <em>investigation</em> and provide results <em>within</em> the <em>timeframe</em> prescribed by law constitutes a clear violation of the FCRA. As the disputed late payment has not been verified <em>within</em> the required period, you are legally obligated to delete the disputed information from my credit file.\n\nDemand for Immediate Action : 1. Delete the XX/XX/XXXX XXXX late payment from my XXXX XXXX XXXX  account. \n2."]},"sort":[16.008274,"15192287"]},{"_index":"complaint-public-v1","_id":"15653537","_score":15.663681,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against the following debt collectors and the credit bureau TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$350.00} On XX/XX/year>, I mailed dispute letters to TransUnion regarding the inaccurate collection accounts being reported by the above entities. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receipt of a consumers dispute ( extended to 45 days only if additional information is provided by the consumer ).\n\nAs of today, it has been more than 30 days since my dispute was received, and I have not received any response or results of an investigation from TransUnion. This is a clear violation of my rights under the FCRA.\n\nFurthermore : FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) requires the credit bureau to delete or correct any disputed information that can not be verified.\n\nFCRA 609 ( 15 U.S.C. 1681g ) requires the credit bureau to provide me with all information in my credit file upon request.\n\nFailure to respond within the statutory time frame constitutes willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ) and negligent noncompliance under FCRA 617 ( 15 U.S.C. 1681o ).\n\nSince TransUnion and the above debt collectors have failed to provide verification of these accounts within the required timeframe, I request the immediate removal of these collection accounts from my credit file.","date_sent_to_company":"2025-09-01T18:27:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78577","tags":null,"has_narrative":true,"complaint_id":"15653537","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-01T18:21:34.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Failure to respond <em>within</em> the <em>statutory</em> time frame constitutes willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ) and negligent noncompliance under FCRA 617 ( 15 U.S.C. 1681o ).\n\nSince TransUnion and the above debt collectors have failed to provide verification of these accounts <em>within</em> the required <em>timeframe</em>, I request the immediate removal of these collection accounts from my credit file."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.663681,"15653537"]},{"_index":"complaint-public-v1","_id":"4778247","_score":15.554826,"_source":{"product":"Checking or savings account","complaint_what_happened":"BNY Mellon/XXXX XXXX was properly notified of a dispute regarding a contract for a product/asset that became collateral on a security interest when I initiated/authorized ( held to ensure future payment ) a transfer in the amount of {$6000.00}. ( Contract & evidence provided ). The merchant did not perform on the contract so I have requested BNY Mellon to reverse/void the transfer.\n\n( Pages 1-6 ) This exhibit is an examination of the Debit Card Agreement and Disclosure Statement Terms and Conditions for my Visa Debit Card Account provides that BNY Mellon is responsible for the Administration of the Debit Card Service for said account, via XXXX Bank , a national, or any successor bank. The terms and conditions also show me exactly what Federal Regulations and Statutory laws apply to the governing of the contract. The contract tells me that I need to report my disputes within 60 days, unless I have a good reason for that time to be extended. It says the timeframe will be extended. The contract also makes a shaky attempt to make me liable for losses that the FDIC is responsible for, but loss must be placed with the proper entity based on the laws of Equity. I will not be held responsible for any loss that is insured. It can not be shifted through contract agreement and must be amended. I reserve all my rights. Especially to those related to the value of the Equity I have secured interest in.\n\n( Page 7 ) This exhibit is a letter that was sent to me from an ambiguous party called \" Card Services '' in an unofficial attempt to notify me of a determination for a dispute that was never investigated. The notations indicate the issues taken with the entire letter, including its contents and lack of signature.\n\n( page 8 ) This exhibit shows my complaint with the Office of the Comptroller of Currencies for reference only. The complaint is being resubmitted with these details. \n( pages 9-11 ) This exhibit shows the currently posted procedures for the payment processor the Merchant used in this transaction. I did not employ any processor service, I simply used the method of payment provided to me. The obvious way to resolve my dispute is to complete the chargeback process with the payment processor as their guidelines clearly allow for the bank to execute its duty to service my account as stipulated in my Debit Card Agreement.\n\n( page 12 ) This exhibit is an unofficial description of the Visa Claims Resolution process. It is simple enough to comprehend. \n( pages 13-14 ) This exhibit shows the applicable statutory law governing the Debit Card Agreement in the Commonwealth of Pennsylvania. They clearly stipulate that this transaction can be voided. Further explanation is provided on the exhibit.\n\n( pages 15-16 ) This exhibit shows the chargeback process for the Merchant which BNY Mellon never initiated to gather any evidence from the Merchant. \n( pages 17-25 ) This exhibit shows the email exchange I had with XXXX XXXX , Sr. Dispute Analyst, who completely failed/refused to provide the requested service to my account. I advised her several times that my request is within the regulations, yes she has regurgitated the same invalid response repeatedly.","date_sent_to_company":"2021-10-04T20:34:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"4778247","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF NEW YORK MELLON CORPORATION, THE","date_received":"2021-10-04T20:30:04.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["The terms and conditions also show me exactly what Federal Regulations and <em>Statutory</em> laws apply to the governing of the contract. The contract tells me that I need to report my disputes <em>within</em> 60 days, unless I have a good reason for that time to be <em>extended</em>. It says the <em>timeframe</em> will be <em>extended</em>. The contract also makes a shaky attempt to make me liable for losses that the FDIC is responsible for, but loss must be placed with the proper entity based on the laws of Equity."]},"sort":[15.554826,"4778247"]},{"_index":"complaint-public-v1","_id":"15276614","_score":15.162025,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Failure to Respond Within XXXX Days / Failure to XXXX XXXX XXXX XXXX XXXX XXXX Account Account Name : XXXX XXXX Account Number ( partial ) : XXXX Consumer : XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Dear Credit Bureau Representative, This letter is a formal notice of violation under the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611, and 623, due to your failure to lawfully respond to my dispute within the XXXX statutory period, as well as your failure to provide the Method of Verification ( XXXX ) as required. \n\nOn XX/XX/XXXX, I submitted a dispute through XXXX concerning inaccurate late payment reporting and inconsistencies on my XXXX XXXX account. You received my dispute as follows : TransUnion : Received XX/XX/XXXX Responded XX/XX/XXXX ( Verified as Reported ) Violation : Response exceeded XXXX days Experian : Received XX/XX/XXXX Responded XX/XX/XXXX ( Potential Fraud ) Violation : Improper stall tactic ; no timely notice of such within the statutory period Equifax : Received XX/XX/XXXX Demanded additional verification, effectively stalling Violation : No lawful extension notice sent within the statutory period Legal Basis FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ] requires a Consumer Reporting Agency to complete a reinvestigation within XXXX days of receiving a dispute. If they can not verify within this period, the disputed information must be deleted. \nFCRA 611 ( a ) ( 5 ) ( A ) mandates that unverifiable information be promptly deleted from the file. \n\nCFPB.gov disputes are governed by the same FCRA requirements as direct disputes; filing through CFPB does not extend the XXXX limit. See FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 8 ).\n\nFCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires that if a dispute is verified, the bureau must provide the consumer the Method of Verification upon request. This was explicitly requested in my original dispute and not provided. \nFCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires maximum possible accuracy. Reporting false late payments violates this section.\n\nFCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. \n\nSupporting Case XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs must conduct an independent and reasonable investigation, not rely solely on the furnishers response. \nXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Failure to remove unverified or inaccurate data creates liability. \nXXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : Failure to respond within statutory timeframes violates the FCRA and requires deletion.\n\nDemand for Immediate Action Because the statutory XXXX period has expired, it is too late to verify, cure, or update the disputed late payment reporting. \n\nThe account must now be updated to Pays As Agreed with XXXX  % on-time payment history. \n\nAll inaccurate late payment notations must be removed immediately. \n\nIf you choose to reverify this account, you are required to provide the XXXXethod of Verification within XXXX  days, not XXXX, from the date of your verification notice. \n\nFailure to comply will result in formal complaints to the CFPB, FTC, and consideration of private legal action. \n\n\nConclusion This violation is clear : the FCRA allows XXXX days to investigate ; you exceeded that limit. Per 611 ( a ) ( 5 ) ( A ), unverifiable information shall be deleted. Updating to Pays As Agreed is the appropriate remedy for this violation in the present case. \nI expect written confirmation of compliance within XXXX calendar days of receipt of this letter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-15T04:52:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06902","tags":null,"has_narrative":true,"complaint_id":"15276614","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-15T04:45:38.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX ) : CRAs must conduct an independent and reasonable <em>investigation</em>, not rely solely on the furnishers response. \nXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Failure to remove unverified or inaccurate data creates liability. \nXXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : Failure to respond <em>within</em> <em>statutory</em> <em>timeframes</em> violates the FCRA and requires deletion."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.162025,"15276614"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":166,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":166}]}},"product":{"doc_count":166,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":126,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":126}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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