{"took":175,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":390,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11729746","_score":26.799877,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Negligence and Non-Compliance under 15 U.S.C. 1681o XXXX This letter serves as my formal dispute regarding your negligence and failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically as outlined under 15 U.S.C. 1681o. Your actions or omissions have resulted in the following violations : Failure to Maintain Accurate Records : It is my position that you failed to exercise reasonable care in ensuring the accuracy of the information reported under my name and Social Security Number. This constitutes negligence as defined under the FCRA and has caused harm to my financial standing and personal reputation.\n\nFailure to Conduct a Proper Investigation : Despite my prior notification to you regarding inaccuracies, you failed to perform a diligent investigation within the statutory timeframe. This failure undermines the protections afforded to consumers under the FCRA.\n\nNegligence in Data Handling : Your lack of care in handling my personal data demonstrates non-compliance with your statutory obligations to safeguard consumer information against errors or misuse. \nDemand for Immediate Action : Pursuant to the provisions of the FCRA : I demand an immediate and comprehensive investigation into the disputed information. \nI require the correction or deletion of any inaccurate or unverifiable information from my credit file. \nI request a full and detailed report of your investigation and the steps taken to resolve this matter. \n\nThis letter constitutes your final notice to resolve this matter amicably. Failure to comply with your statutory duties will result in my seeking all remedies available under the law. \nPlease respond in writing within [ specify reasonable timeframe, e.g., 30 days ] with evidence of the corrective actions taken.","date_sent_to_company":"2025-01-26T03:46:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"387XX","tags":null,"has_narrative":true,"complaint_id":"11729746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-26T03:45:59.000Z","state":"MS","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":["Failure to Conduct a Proper <em>Investigation</em> : Despite my prior notification to you regarding inaccuracies, you failed to perform a diligent <em>investigation</em> <em>within</em> the statutory <em>timeframe</em>. This failure undermines the protections afforded to consumers <em>under</em> the FCRA.\n\n<em>Negligence</em> in Data Handling : Your lack of care in handling my personal data demonstrates non-compliance with your statutory obligations to safeguard consumer information against errors or misuse."],"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":[26.799877,"11729746"]},{"_index":"complaint-public-v1","_id":"11729938","_score":26.78103,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Negligence and Non-Compliance under 15 U.S.C. 1681o Transunion This letter serves as my formal dispute regarding your negligence and failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically as outlined under 15 U.S.C. 1681o. Your actions or omissions have resulted in the following violations : Failure to Maintain Accurate Records : It is my position that you failed to exercise reasonable care in ensuring the accuracy of the information reported under my name and Social Security Number. This constitutes negligence as defined under the FCRA and has caused harm to my financial standing and personal reputation.\n\nFailure to Conduct a Proper Investigation : Despite my prior notification to you regarding inaccuracies, you failed to perform a diligent investigation within the statutory timeframe. This failure undermines the protections afforded to consumers under the FCRA.\n\nNegligence in Data Handling : Your lack of care in handling my personal data demonstrates non-compliance with your statutory obligations to safeguard consumer information against errors or misuse.\n\nDemand for Immediate Action : Pursuant to the provisions of the FCRA : I demand an immediate and comprehensive investigation into the disputed information.\n\nI require the correction or deletion of any inaccurate or unverifiable information from my credit file.\n\nI request a full and detailed report of your investigation and the steps taken to resolve this matter.\n\nThis letter constitutes your final notice to resolve this matter amicably. Failure to comply with your statutory duties will result in my seeking all remedies available under the law.\n\nPlease respond in writing within [ specify reasonable timeframe, e.g., 30 days ] with evidence of the corrective actions taken.","date_sent_to_company":"2025-01-26T03:45:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"387XX","tags":null,"has_narrative":true,"complaint_id":"11729938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-26T03:11:32.000Z","state":"MS","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":["Failure to Conduct a Proper <em>Investigation</em> : Despite my prior notification to you regarding inaccuracies, you failed to perform a diligent <em>investigation</em> <em>within</em> the statutory <em>timeframe</em>. This failure undermines the protections afforded to consumers <em>under</em> the FCRA.\n\n<em>Negligence</em> in Data Handling : Your lack of care in handling my personal data demonstrates non-compliance with your statutory obligations to safeguard consumer information against errors or misuse."],"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":[26.78103,"11729938"]},{"_index":"complaint-public-v1","_id":"11724940","_score":26.763315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute of Negligence and Non-Compliance under 15 U.S.C. 1681o XXXX This letter serves as my formal dispute regarding your negligence and failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically as outlined under 15 U.S.C. 1681o. Your actions or omissions have resulted in the following violations : Failure to Maintain Accurate Records : It is my position that you failed to exercise reasonable care in ensuring the accuracy of the information reported under my name and Social Security Number. This constitutes negligence as defined under the FCRA and has caused harm to my financial standing and personal reputation. \nFailure to Conduct a Proper Investigation : Despite my prior notification to you regarding inaccuracies, you failed to perform a diligent investigation within the statutory timeframe. This failure undermines the protections afforded to consumers under the FCRA. \nNegligence in Data Handling : Your lack of care in handling my personal data demonstrates non-compliance with your statutory obligations to safeguard consumer information against errors or misuse.\n\nDemand for Immediate Action : Pursuant to the provisions of the FCRA : I demand an immediate and comprehensive investigation into the disputed information. \nI require the correction or deletion of any inaccurate or unverifiable information from my credit file. \nI request a full and detailed report of your investigation and the steps taken to resolve this matter. \n\nThis letter constitutes your final notice to resolve this matter amicably. Failure to comply with your statutory duties will result in my seeking all remedies available under the law. \nPlease respond in writing within [ specify reasonable timeframe, e.g., 30 days ] with evidence of the corrective actions taken.","date_sent_to_company":"2025-01-26T03:46:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"387XX","tags":null,"has_narrative":true,"complaint_id":"11724940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-26T03:45:59.000Z","state":"MS","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to Conduct a Proper <em>Investigation</em> : Despite my prior notification to you regarding inaccuracies, you failed to perform a diligent <em>investigation</em> <em>within</em> the statutory <em>timeframe</em>. This failure undermines the protections afforded to consumers <em>under</em> the FCRA. \n<em>Negligence</em> in Data Handling : Your lack of care in handling my personal data demonstrates non-compliance with your statutory obligations to safeguard consumer information against errors or misuse."],"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":[26.763315,"11724940"]},{"_index":"complaint-public-v1","_id":"15255347","_score":24.258516,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You have reported or continue to report the following item ( s ) without ensuring maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ), and without providing verifiable documentation of my authorization or liability : Item ( s ) in Dispute : [ List account name, account number, or inquiry details ] Under 15 U.S.C. 1681i, you are required to reinvestigate disputed information and delete or correct it within the statutory timeframe. Your failure to properly investigate and/or remove the inaccurate item ( s ) constitutes negligent noncompliance with the FCRA, making you liable under 15 U.S.C. 1681o for : Actual damages sustained by me as a result of this negligence ;","date_sent_to_company":"2025-08-13T22:42:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20003","tags":null,"has_narrative":true,"complaint_id":"15255347","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-13T22:41:39.000Z","state":"DC","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":["Your failure to properly <em>investigate</em> and/or remove the inaccurate item ( s ) <em>constitutes</em> negligent noncompliance with the FCRA, making you liable <em>under</em> 15 U.S.C. 1681o for : Actual damages sustained by me as a result of this <em>negligence</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 your report"]},"sort":[24.258516,"15255347"]},{"_index":"complaint-public-v1","_id":"15255345","_score":24.257807,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You have reported or continue to report the following item ( s ) without ensuring maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ), and without providing verifiable documentation of my authorization or liability : Item ( s ) in Dispute : [ List account name, account number, or inquiry details ] Under 15 U.S.C. 1681i, you are required to reinvestigate disputed information and delete or correct it within the statutory timeframe. Your failure to properly investigate and/or remove the inaccurate item ( s ) constitutes negligent noncompliance with the FCRA, making you liable under 15 U.S.C. 1681o for : Actual damages sustained by me as a result of this negligence ;","date_sent_to_company":"2025-08-13T22:42:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20003","tags":null,"has_narrative":true,"complaint_id":"15255345","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-13T22:41:39.000Z","state":"DC","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":["Your failure to properly <em>investigate</em> and/or remove the inaccurate item ( s ) <em>constitutes</em> negligent noncompliance with the FCRA, making you liable <em>under</em> 15 U.S.C. 1681o for : Actual damages sustained by me as a result of this <em>negligence</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 your report"]},"sort":[24.257807,"15255345"]},{"_index":"complaint-public-v1","_id":"15255200","_score":24.257807,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"You have reported or continue to report the following item ( s ) without ensuring maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ), and without providing verifiable documentation of my authorization or liability : Item ( s ) in Dispute : [ List account name, account number, or inquiry details ] Under 15 U.S.C. 1681i, you are required to reinvestigate disputed information and delete or correct it within the statutory timeframe. Your failure to properly investigate and/or remove the inaccurate item ( s ) constitutes negligent noncompliance with the FCRA, making you liable under 15 U.S.C. 1681o for : Actual damages sustained by me as a result of this negligence ;","date_sent_to_company":"2025-08-13T22:42:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20003","tags":null,"has_narrative":true,"complaint_id":"15255200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-13T21:58:34.000Z","state":"DC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Your failure to properly <em>investigate</em> and/or remove the inaccurate item ( s ) <em>constitutes</em> negligent noncompliance with the FCRA, making you liable <em>under</em> 15 U.S.C. 1681o for : Actual damages sustained by me as a result of this <em>negligence</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 your report"]},"sort":[24.257807,"15255200"]},{"_index":"complaint-public-v1","_id":"12054916","_score":23.28768,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii XXXX XXXX XXXX XX/XX/year> CFPB Subject : Formal Dispute and Notice of Civil Liability for Non-Compliance and Negligence Under 15 U.S.C. 1681o Dear CFPB, I am writing to formally dispute inaccurate information in my credit report and to notify you of your potential civil liability for non-compliance and negligence under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o.\n\nAccording to the FCRA, consumer reporting agencies and data furnishers are required to ensure the accuracy and proper investigation of consumer disputes. Despite my prior attempts to rectify inaccuracies, you have failed to take the necessary corrective actions, thereby violating my rights under the law. \n\nThe inaccurate information in question includes : -Southwest credit system - XXXX  XXXX XXXX XXXX Your continued failure to properly investigate, correct, or delete inaccurate, misleading, or unverifiable information constitutes negligence under 15 U.S.C. 1681o. Under this provision, any person who negligently fails to comply with FCRA requirements is liable for actual damages sustained by the consumer, as well as court costs and attorneys fees.\n\nTo resolve this matter, I demand the following actions be taken immediately : A thorough reinvestigation of the disputed item ( s ), with written confirmation of the results.\n\nImmediate removal or correction of the inaccurate information.\n\nA written statement confirming compliance with my request and a copy of my updated credit report.\n\nIf this issue is not resolved within the timeframe required by law, I will have no choice but to pursue legal remedies, including seeking monetary damages as allowed under 15 U.S.C. 1681o.\n\nPlease consider this letter as my final attempt to resolve this matter amicably. If I do not receive a satisfactory response within [ 30 days or the appropriate legal timeframe ], I will take further action as necessary to protect my rights.\n\nI request that all future correspondence regarding this dispute be in writing. You may send your response to the address provided above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-12T04:50:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"96826","tags":null,"has_narrative":true,"complaint_id":"12054916","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2025-02-12T04:50:31.000Z","state":"HI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If this issue is not resolved <em>within</em> the <em>timeframe</em> <em>required</em> by law, I will have no choice but to pursue legal remedies, including seeking monetary damages as allowed <em>under</em> 15 U.S.C. 1681o.\n\nPlease consider this letter as my final attempt to resolve this matter amicably. If I do not receive a satisfactory response <em>within</em> [ 30 days or the appropriate legal <em>timeframe</em> ], I will take further action as necessary to protect my rights."],"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":[23.28768,"12054916"]},{"_index":"complaint-public-v1","_id":"12034937","_score":23.28768,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB Subject : Formal Dispute and Notice of Civil Liability for Non-Compliance and Negligence Under 15 U.S.C. 1681o Dear CFPB, I am writing to formally dispute inaccurate information in my credit report and to notify you of your potential civil liability for non-compliance and negligence under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. \n\nAccording to the FCRA, consumer reporting agencies and data furnishers are required to ensure the accuracy and proper investigation of consumer disputes. Despite my prior attempts to rectify inaccuracies, you have failed to take the necessary corrective actions, thereby violating my rights under the law. \n\nThe inaccurate information in question includes XXXX XXXX XXXX XXXX XXXX Ad Astra recovery service Your continued failure to properly investigate, correct, or delete inaccurate, misleading, or unverifiable information constitutes negligence under 15 U.S.C. 1681o. Under this provision, any person who negligently fails to comply with FCRA requirements is liable for actual damages sustained by the consumer, as well as court costs and attorneys fees. \n\nTo resolve this matter, I demand the following actions be taken immediately : A thorough reinvestigation of the disputed item ( s ), with written confirmation of the results. \nImmediate removal or correction of the inaccurate information.\n\nA written statement confirming compliance with my request and a copy of my updated credit report.\n\nIf this issue is not resolved within the timeframe required by law, I will have no choice but to pursue legal remedies, including seeking monetary damages as allowed under 15 U.S.C. 1681o. \n\nPlease consider this letter as my final attempt to resolve this matter amicably. If I do not receive a satisfactory response within [ 30 days or the appropriate legal timeframe ], I will take further action as necessary to protect my rights. \n\nI request that all future correspondence regarding this dispute be in writing. You may send your response to the address provided above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-12T04:50:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"96826","tags":null,"has_narrative":true,"complaint_id":"12034937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2025-02-12T04:27:27.000Z","state":"HI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If this issue is not resolved <em>within</em> the <em>timeframe</em> <em>required</em> by law, I will have no choice but to pursue legal remedies, including seeking monetary damages as allowed <em>under</em> 15 U.S.C. 1681o. \n\nPlease consider this letter as my final attempt to resolve this matter amicably. If I do not receive a satisfactory response <em>within</em> [ 30 days or the appropriate legal <em>timeframe</em> ], I will take further action as necessary to protect my rights."],"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":[23.28768,"12034937"]},{"_index":"complaint-public-v1","_id":"10898244","_score":23.061802,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>, I submitted a dispute to Equifax regarding inaccuracies on my credit report, including late payments, charge-offs, and unauthorized hard inquiries. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax was required to complete their investigation and respond to my dispute within 30 days, by XX/XX/year>. Equifax failed to respond within this timeframe, only providing a response through this portal on XX/XX/XXXX, XXXXwell beyond the legally mandated deadline.\n\nAs stipulated in FCRA 611 ( a ) ( 5 ) ( A ), if a credit bureau can not verify disputed information within the 30-day timeframe, they are required to delete the information. XXXX retention of these items constitutes a direct violation of the FCRA. \n\nThe accounts and inquiries that Equifax failed to verify within the required timeframe include : 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 \nHard Inquiries by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Equifax also failed to provide the required method of verification under FCRA 611 ( a ) ( 7 ), such as creditor contact information or supporting documentation. Additionally, Equifax ignored my explicit request for responses to be sent via certified mail, further demonstrating procedural negligence. \n\nXXXX failure to meet the 30-day deadline legally mandates the deletion of all disputed items from my credit report. Their non-compliance has caused me significant harm, including : A XXXXpoint drop in my credit score. \nIncreased loan costs of $ XXXX due to higher interest rates. \nDenial of credit opportunities, forcing me into financial hardship. \nI request that the CFPB enforce FCRA compliance by requiring Equifax to : Immediately delete all disputed items from my credit report as required by law. \nInvestigate XXXX systemic non-compliance with FCRA. \nImpose penalties for their willful and negligent violations. \nXXXX failure to respond within the legally mandated timeframe invalidates any claims of verification. I seek immediate resolution of this matter to prevent further harm.","date_sent_to_company":"2024-11-22T19:55:48.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"10898244","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-22T19:45:10.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Under</em> FCRA 611 ( a ) ( 1 ) ( A ), Equifax was <em>required</em> to complete their <em>investigation</em> and respond to my dispute <em>within</em> 30 days, by XX/XX/year>. Equifax failed to respond <em>within</em> this <em>timeframe</em>, only providing a response through this portal on XX/XX/XXXX, XXXXwell beyond the legally mandated deadline.\n\nAs stipulated in FCRA 611 ( a ) ( 5 ) ( A ), if a credit bureau can not verify disputed information <em>within</em> the 30-day <em>timeframe</em>, they are <em>required</em> to delete the information."]},"sort":[23.061802,"10898244"]},{"_index":"complaint-public-v1","_id":"12202505","_score":22.9338,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the inaccurate and negligent reporting of information on my credit report. Under 15 U.S. Code 1681o, credit reporting agencies and furnishers of information are liable for negligence when they fail to comply with the Fair Credit Reporting Act ( FCRA ) and cause harm to consumers due to noncompliance.\n\nThe specific inaccuracies in my credit report are as follows : My name and information was leaked in a data breach with XXXX XXXX XXXX\n\nI have already attempted to resolve this matter through [ previous disputes, communication with the furnisher, etc. ], but no corrective action has been taken. The failure to conduct a reasonable investigation and correct these errors constitutes negligence under the FCRA, making the responsible parties civilly liable for damages.\n\nPursuant to 15 U.S. Code 1681o, I am requesting the following actions : A full investigation into the disputed information.\n\nImmediate removal or correction of the inaccurate data.\n\nA written response detailing the results of the investigation.\n\nCompensation for any damages incurred due to the negligent reporting.\n\nPlease consider this letter a formal notice of your failure to comply with the FCRA. If this issue is not resolved within the legally required timeframe, I may be compelled to pursue further legal action, including seeking monetary damages for your negligent actions. \n\nI expect your prompt response to this matter. Please provide written confirmation of your investigation and any changes made to my credit file within 30 days of receiving this letter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-02-26T02:21:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"317XX","tags":null,"has_narrative":true,"complaint_id":"12202505","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-26T02:20:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If this issue is not resolved <em>within</em> the legally <em>required</em> <em>timeframe</em>, I may be compelled to pursue further legal action, including seeking monetary damages for your negligent actions. \n\nI expect your prompt response to this matter. Please provide written confirmation of your <em>investigation</em> and any changes made to my credit file <em>within</em> 30 days of receiving this letter. \n\nSincerely, XXXX XXXX XXXX"],"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":[22.9338,"12202505"]},{"_index":"complaint-public-v1","_id":"12202815","_score":22.918821,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the inaccurate and negligent reporting of information on my credit report. Under 15 U.S. Code 1681o, credit reporting agencies and furnishers of information are liable for negligence when they fail to comply with the Fair Credit Reporting Act ( FCRA ) and cause harm to consumers due to noncompliance.\n\nThe specific inaccuracies in my credit report are as follows : My name and information was leaked in a data breach with XXXX XXXX XXXX\n\nI have already attempted to resolve this matter through [ previous disputes, communication with the furnisher, etc. ], but no corrective action has been taken. The failure to conduct a reasonable investigation and correct these errors constitutes negligence under the FCRA, making the responsible parties civilly liable for damages.\n\nPursuant to 15 U.S. Code 1681o, I am requesting the following actions : A full investigation into the disputed information.\n\nImmediate removal or correction of the inaccurate data.\n\nA written response detailing the results of the investigation.\n\nCompensation for any damages incurred due to the negligent reporting.\n\nPlease consider this letter a formal notice of your failure to comply with the FCRA. If this issue is not resolved within the legally required timeframe, I may be compelled to pursue further legal action, including seeking monetary damages for your negligent actions. \n\nI expect your prompt response to this matter. Please provide written confirmation of your investigation and any changes made to my credit file within 30 days of receiving this letter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-02-26T02:21:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"317XX","tags":null,"has_narrative":true,"complaint_id":"12202815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-26T01:52:17.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["If this issue is not resolved <em>within</em> the legally <em>required</em> <em>timeframe</em>, I may be compelled to pursue further legal action, including seeking monetary damages for your negligent actions. \n\nI expect your prompt response to this matter. Please provide written confirmation of your <em>investigation</em> and any changes made to my credit file <em>within</em> 30 days of receiving this letter. \n\nSincerely, XXXX XXXX XXXX"],"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":[22.918821,"12202815"]},{"_index":"complaint-public-v1","_id":"12529277","_score":22.134876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information & Notice of Civil Liability for Negligence Dear, Experian, XXXX, XXXX I am writing to formally dispute inaccurate and/or incomplete information contained in my credit report, which I believe has been reported negligently and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o.\n\nUpon reviewing my credit report, I have identified that everything on my credit has inaccurate information According to the FCRA, credit reporting agencies and data furnishers are required to maintain accurate information and conduct a reasonable investigation when a dispute is filed. Failing to do so constitutes negligent non-compliance under 15 U.S.C. 1681o, which holds entities liable for actual damages suffered as a result of their negligence, including legal fees. \n\nI demand the following actions be taken immediately : 1. Conduct a reasonable investigation into the disputed item ( s ).\n\n2. Provide me with all supporting documentation used to verify the accuracy of the reported information.\n\n3. Remove or correct the inaccurate information within the legally required timeframe.\n\n4. Provide me with a written confirmation of the results of your investigation.\n\nFailure to comply with this request may result in legal action to recover damages for negligent non-compliance under 15 U.S.C. 1681o, including but not limited to, actual damages, attorneys fees, and court costs.\n\nPlease consider this letter as formal notice under the FCRA. I expect a response within XXXX  days, as required by law. You may send your reply to the address listed above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-18T15:31:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76544","tags":"Servicemember","has_narrative":true,"complaint_id":"12529277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-18T15:30:58.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Conduct a reasonable <em>investigation</em> into the disputed item ( s ).\n\n2. Provide me with all supporting documentation used to verify the accuracy of the reported information.\n\n3. Remove or correct the inaccurate information <em>within</em> the legally <em>required</em> <em>timeframe</em>.\n\n4. Provide me with a written confirmation of the results of your <em>investigation</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 your report"]},"sort":[22.134876,"12529277"]},{"_index":"complaint-public-v1","_id":"12544280","_score":22.10675,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information & Notice of Civil Liability for Negligence Dear, Experian, XXXX, XXXX I am writing to formally dispute inaccurate and/or incomplete information contained in my credit report, which I believe has been reported negligently and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o.\n\nUpon reviewing my credit report, I have identified that everything on my credit has inaccurate information According to the FCRA, credit reporting agencies and data furnishers are required to maintain accurate information and conduct a reasonable investigation when a dispute is filed. Failing to do so constitutes negligent non-compliance under 15 U.S.C. 1681o, which holds entities liable for actual damages suffered as a result of their negligence, including legal fees. \n\nI demand the following actions be taken immediately : 1. Conduct a reasonable investigation into the disputed item ( s ).\n\n2. Provide me with all supporting documentation used to verify the accuracy of the reported information.\n\n3. Remove or correct the inaccurate information within the legally required timeframe.\n\n4. Provide me with a written confirmation of the results of your investigation.\n\nFailure to comply with this request may result in legal action to recover damages for negligent non-compliance under 15 U.S.C. 1681o, including but not limited to, actual damages, attorneys fees, and court costs.\n\nPlease consider this letter as formal notice under the FCRA. I expect a response within XXXX  days, as required by law. You may send your reply to the address listed above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-18T15:31:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76544","tags":"Servicemember","has_narrative":true,"complaint_id":"12544280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-18T14:55:19.000Z","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":["Conduct a reasonable <em>investigation</em> into the disputed item ( s ).\n\n2. Provide me with all supporting documentation used to verify the accuracy of the reported information.\n\n3. Remove or correct the inaccurate information <em>within</em> the legally <em>required</em> <em>timeframe</em>.\n\n4. Provide me with a written confirmation of the results of your <em>investigation</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 your report"]},"sort":[22.10675,"12544280"]},{"_index":"complaint-public-v1","_id":"12543496","_score":22.093958,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information & Notice of Civil Liability for Negligence Dear, Experian, XXXX, XXXX I am writing to formally dispute inaccurate and/or incomplete information contained in my credit report, which I believe has been reported negligently and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o.\n\nUpon reviewing my credit report, I have identified that everything on my credit has inaccurate information According to the FCRA, credit reporting agencies and data furnishers are required to maintain accurate information and conduct a reasonable investigation when a dispute is filed. Failing to do so constitutes negligent non-compliance under 15 U.S.C. 1681o, which holds entities liable for actual damages suffered as a result of their negligence, including legal fees. \n\nI demand the following actions be taken immediately : 1. Conduct a reasonable investigation into the disputed item ( s ).\n\n2. Provide me with all supporting documentation used to verify the accuracy of the reported information.\n\n3. Remove or correct the inaccurate information within the legally required timeframe.\n\n4. Provide me with a written confirmation of the results of your investigation.\n\nFailure to comply with this request may result in legal action to recover damages for negligent non-compliance under 15 U.S.C. 1681o, including but not limited to, actual damages, attorneys fees, and court costs.\n\nPlease consider this letter as formal notice under the FCRA. I expect a response within XXXX  days, as required by law. You may send your reply to the address listed above. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-18T15:31:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76544","tags":"Servicemember","has_narrative":true,"complaint_id":"12543496","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-18T15:30:58.000Z","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":["Conduct a reasonable <em>investigation</em> into the disputed item ( s ).\n\n2. Provide me with all supporting documentation used to verify the accuracy of the reported information.\n\n3. Remove or correct the inaccurate information <em>within</em> the legally <em>required</em> <em>timeframe</em>.\n\n4. Provide me with a written confirmation of the results of your <em>investigation</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 your report"]},"sort":[22.093958,"12543496"]},{"_index":"complaint-public-v1","_id":"12007427","_score":22.093899,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Equifax for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for civil liability due to negligence under 15 U.S. Code 1681o. \n\nI submitted a dispute regarding an inaccurate item on my credit report. The disputed accounts are : 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 XXXXXX/XX/XXXX Despite my formal dispute, Equifax failed to conduct a proper investigation, verify the accuracy of the item, and provide me with an adequate response within the required timeframe under the FCRA. Their failure to act in accordance with federal law has caused financial harm, including denied credit applications, higher interest rates, or emotional distress.\n\nUnder 15 U.S. Code 1681o, credit reporting agencies are legally liable for negligent non-compliance with the FCRA. Their failure to correct or remove this inaccurate information constitutes negligence and has negatively impacted my credit standing.","date_sent_to_company":"2025-02-09T18:10:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85706","tags":"Servicemember","has_narrative":true,"complaint_id":"12007427","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-09T17:55:18.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The disputed accounts are : 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 XXXXXX/XX/XXXX Despite my formal dispute, Equifax failed to conduct a proper <em>investigation</em>, verify the accuracy of the item, and provide me with an adequate response <em>within</em> the <em>required</em> <em>timeframe</em> <em>under</em> the FCRA."],"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":[22.093899,"12007427"]},{"_index":"complaint-public-v1","_id":"12007662","_score":22.062788,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Experian for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for civil liability due to negligence under 15 U.S. Code 1681o. \n\nI submitted a dispute regarding an inaccurate item on my credit report. The disputed accounts are : Creditor Name : XXXX XXXX XXXX Amount Reported : {$920.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX  Amount Reported : {$240.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX  Amount Reported : {$0.00} Date Reported : XX/XX/XXXX Despite my formal dispute, Experian failed to conduct a proper investigation, verify the accuracy of the item, and provide me with an adequate response within the required timeframe under the FCRA. Their failure to act in accordance with federal law has caused financial harm, including denied credit applications, higher interest rates, or emotional distress.\n\nUnder 15 U.S. Code 1681o, credit reporting agencies are legally liable for negligent non-compliance with the FCRA. Their failure to correct or remove this inaccurate information constitutes negligence and has negatively impacted my credit standing.","date_sent_to_company":"2025-02-09T17:54:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85706","tags":"Servicemember","has_narrative":true,"complaint_id":"12007662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-09T17:27:13.000Z","state":"AZ","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 disputed accounts are : Creditor Name : XXXX XXXX XXXX Amount Reported : {$920.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX  Amount Reported : {$240.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX  Amount Reported : {$0.00} Date Reported : XX/XX/XXXX Despite my formal dispute, Experian failed to conduct a proper <em>investigation</em>, verify the accuracy of the item, and provide me with an adequate response <em>within</em> the <em>required</em> <em>timeframe</em> <em>under</em> the FCRA."],"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":[22.062788,"12007662"]},{"_index":"complaint-public-v1","_id":"11648753","_score":21.835241,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute Letter Pursuant to 15 U.S. Code 1681o ( Fair Credit Reporting Act ) Dear XXXX, I am writing to formally dispute the inaccurate information and negligence regarding my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 1681o. As outlined in the FCRA, entities have a duty to ensure the accuracy and integrity of consumer information, and the failure to comply constitutes negligence. \n\nThe inaccuracies in my report have caused harm and inconvenience, and I believe this negligence warrants immediate rectification. Below are the details of my complaint : Disputed Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Social Security Ending : XXXX Date of Birth : XX/XX/XXXX Description of Inaccuracy : [ Provide specific details about the inaccurate information in your report, such as incorrect accounts, duplicate entries, outdated information, etc. ] Negligence and Harm The inaccuracies in my consumer report were due to a failure to exercise reasonable care, as required under the FCRA. This has resulted in [ specific harm, such as denied credit, higher interest rates, reputational damage, or emotional distress ]. \nRequest for Resolution Pursuant to 15 U.S. Code 1681o, I am requesting the following : A full investigation into the inaccurate information in my report.\n\nImmediate correction or removal of the inaccurate information.\n\nDocumentation of the steps taken to investigate and resolve the dispute. \nCompensation for any damages caused by your negligence. \n\nPlease consider this letter as my formal dispute and demand for compliance under the FCRA. I expect a prompt response to this matter within the legally mandated timeframe of 30 days from the receipt of this correspondence. \n\nIf I do not receive a satisfactory resolution, I am prepared to pursue legal action to enforce my rights under the FCRA. \n\nThank you for your immediate attention to this matter. You may contact me directly at [ your phone number ] or [ your email address ] if additional information is required. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX, if sending a physical copy ] This letter is now tailored for XXXX and includes todays date. If you need further refinements or additional details, let me know! \nYou said : write me one for experian XXXX said : XXXX XXXX a revised dispute letter addressed to Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute Letter Pursuant to 15 U.S. Code 1681o ( Fair Credit Reporting Act ) Dear Experian, I am writing to formally dispute the inaccurate information and negligence regarding my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 1681o. As outlined in the FCRA, entities have a duty to ensure the accuracy and integrity of consumer information, and the failure to comply constitutes negligence. \n\nThe inaccuracies in my report have caused harm and inconvenience, and I believe this negligence warrants immediate rectification. Below are the details of my complaint : Disputed Information Name : XXXX XXXX XXXX Address : XXXX XXXXr XXXX XXXX, XXXX, XXXX XXXX Social Security Ending : XXXX Date of Birth : XX/XX/XXXX Description of Inaccuracy : [ Provide specific details about the inaccurate information in your report, such as incorrect accounts, duplicate entries, outdated information, etc. ] Negligence and Harm The inaccuracies in my consumer report were due to a failure to exercise reasonable care, as required under the FCRA. This has resulted in [ specific harm, such as denied credit, higher interest rates, reputational damage, or emotional distress ].\n\nRequest for Resolution Pursuant to 15 U.S. Code 1681o, I am requesting the following : A full investigation into the inaccurate information in my report.\n\nImmediate correction or removal of the inaccurate information.\n\nDocumentation of the steps taken to investigate and resolve the dispute. \nCompensation for any damages caused by your negligence. \n\nPlease consider this letter as my formal dispute and demand for compliance under the FCRA. I expect a prompt response to this matter within the legally mandated timeframe of 30 days from the receipt of this correspondence. \n\nIf I do not receive a satisfactory resolution, I am prepared to pursue legal action to enforce my rights under the FCRA. \n\nThank you for your immediate attention to this matter. You may contact me directly at XXXX or XXXX if additional information is required. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-18T03:42:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30038","tags":null,"has_narrative":true,"complaint_id":"11648753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-18T03:35:22.000Z","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":["I expect a prompt response to this matter <em>within</em> the legally mandated <em>timeframe</em> of 30 days from the receipt of this correspondence. \n\nIf I do not receive a satisfactory resolution, I am prepared to pursue legal action to enforce my rights <em>under</em> the FCRA. \n\nThank you for your immediate attention to this matter. You may contact me directly at XXXX or XXXX if additional information is <em>required</em>. \n\nSincerely, XXXX XXXX XXXX"],"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":[21.835241,"11648753"]},{"_index":"complaint-public-v1","_id":"11796380","_score":21.692244,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute Regarding Negligence and Non-Compliance in Credit Reporting To Whom It May Concern, I am writing to formally dispute Equifaxs failure to meet its legal obligations regarding my credit report. Despite my rights under the Fair Credit Reporting Act ( FCRA ), Equifax has failed to provide accurate, fair, and timely service in maintaining and correcting my credit report. This negligence has caused undue harm, and I am requesting immediate corrective action. \n\nThe specific issues include : 1. Failure to ensure accurate credit reporting [ Describe any inaccuracies on your report, such as incorrect accounts, fraudulent activity, or outdated information. ] 2. Failure to properly investigate disputes [ If you have previously disputed errors, explain how Equifax failed to resolve them within the legally required timeframe. ] 3. Failure to comply with legal obligations Equifax is required under the FCRA to investigate and correct disputed items within 30 days. The lack of action on your part constitutes non-compliance with federal law. \n\nDue to these failures, I am demanding the following : A full investigation into the disputed inaccuracies on my credit report. \nImmediate correction and removal of all erroneous information. \nWritten confirmation that these errors have been addressed. \nA formal explanation of why Equifax has failed to meet its legal obligations in handling my credit information. \n\nIf Equifax does not take corrective action within 30 days of receiving this letter, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action for damages caused by your negligence. \n\nPlease respond to this dispute promptly in writing to the address provided above. I expect a resolution that aligns with XXXX legal responsibilities. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-28T00:18:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06512","tags":null,"has_narrative":true,"complaint_id":"11796380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-28T00:03:13.000Z","state":"CT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to properly <em>investigate</em> disputes [ If you have previously disputed errors, explain how Equifax failed to resolve them <em>within</em> the legally <em>required</em> <em>timeframe</em>. ] 3. Failure to comply with legal obligations Equifax is <em>required</em> <em>under</em> the FCRA to <em>investigate</em> and correct disputed items <em>within</em> 30 days. The lack of action on your part <em>constitutes</em> non-compliance with federal law."],"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":[21.692244,"11796380"]},{"_index":"complaint-public-v1","_id":"11797080","_score":21.678652,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Negligence and Non-Compliance in Credit Reporting To Whom It May Concern, I am writing to formally dispute XXXX  failure to meet its legal obligations regarding my credit report. Despite my rights under the Fair Credit Reporting Act ( FCRA ), XXXX has failed to provide accurate, fair, and timely service in maintaining and correcting my credit report. This negligence has caused undue harm, and I am requesting immediate corrective action. \n\nThe specific issues include : 1. Failure to ensure accurate credit reporting [ Describe any inaccuracies on your report, such as incorrect accounts, fraudulent activity, or outdated information. ] 2. Failure to properly investigate disputes [ If you have previously disputed errors, explain how XXXX failed to resolve them within the legally required timeframe. ] 3. Failure to comply with legal obligations XXXX is required under the FCRA to investigate and correct disputed items within 30 days. The lack of action on your part constitutes non-compliance with federal law. \nDue to these failures, I am demanding the following : A full investigation into the disputed inaccuracies on my credit report.\n\nImmediate correction and removal of all erroneous information.\n\nWritten confirmation that these errors have been addressed. \nA formal explanation of why XXXX has failed to meet its legal obligations in handling my credit information. \n\nIf XXXX does not take corrective action within 30 days of receiving this letter, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action for damages caused by your negligence. \n\nPlease respond to this dispute promptly in writing to the address provided above. I expect a resolution that aligns with XXXX legal responsibilities. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-28T00:19:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06512","tags":null,"has_narrative":true,"complaint_id":"11797080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-28T00:19:08.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to comply with legal obligations XXXX is <em>required</em> <em>under</em> the FCRA to <em>investigate</em> and correct disputed items <em>within</em> 30 days. The lack of action on your part <em>constitutes</em> non-compliance with federal law. \nDue to these failures, I am demanding the following : A full <em>investigation</em> into the disputed inaccuracies on my credit report.\n\nImmediate correction and removal of all erroneous information.\n\nWritten confirmation that these errors have been addressed."],"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":[21.678652,"11797080"]},{"_index":"complaint-public-v1","_id":"12272262","_score":21.654093,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a formal complaint against Equifax for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by not removing inaccurate information from my credit report within the legally mandated timeframe. On [ date ], I disputed an incorrect account from XXXX that was reported on my Equifax credit file. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation and correct or delete any inaccurate or unverifiable information within 30 days of receiving my dispute. However, despite the expiration of this period, the inaccurate information remains on my report, causing undue harm to my creditworthiness and financial standing. Equifax 's failure to promptly remove this account constitutes a direct violation\nof the FCRA, particularly 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy in consumer reports. Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to properly investigate and correct disputed information. Equifaxs continued reporting of this inaccuracy, despite my valid dispute, demonstrates negligence and a failure to uphold federal consumer protection laws.","date_sent_to_company":"2025-03-01T05:41:46.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"30012","tags":null,"has_narrative":true,"complaint_id":"12272262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-01T05:34:05.000Z","state":"GA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Equifax 's failure to promptly remove this account <em>constitutes</em> a direct violation\nof the FCRA, particularly 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy in consumer reports. Additionally, <em>under</em> 15 U.S.C. 1681s-2 ( b ), data furnishers are <em>required</em> to properly <em>investigate</em> and correct disputed information."]},"sort":[21.654093,"12272262"]},{"_index":"complaint-public-v1","_id":"12133827","_score":21.6365,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute Experian and Equifax for incorrect items on my credit report, failure to investigate a dispute and unauthorized access to my credit report. This matter constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681o, which holds parties civilly liable for negligent noncompliance with the statute.\n\nAccording to the FCRA, entities handling consumer credit information must ensure accuracy, fairness, and privacy in reporting. However, I have found that your organization has failed to meet these obligations in the following ways : Failure to correct inaccurate information after notification, failure to conduct a reasonable investigation and improper disclosure of credit information.\n\nThis negligence has resulted in harm, including but not limited to financial loss, damage to my creditworthiness, and emotional distress. Pursuant to 15 U.S.C. 1681o, I am entitled to recover actual damages sustained due to this negligence, as well as reasonable attorneys fees if legal action becomes necessary.\n\nTo resolve this matter, I request that you : Immediately correct the inaccurate information, delete derogatory marks and hard inquiries, and provide written confirmation of the correction.\n\nConduct a proper investigation into this matter as required under the FCRA.\n\nProvide a detailed response within 30 days of receipt of this letter, outlining the corrective measures taken.\n\nIf this matter is not resolved promptly, I may have no choice but to escalate this issue through legal channels, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to enforce my rights under the FCRA.\n\nI expect a written response within the statutory timeframe. Please send all correspondence regarding this dispute to the address listed above.","date_sent_to_company":"2025-02-19T21:43:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77055","tags":null,"has_narrative":true,"complaint_id":"12133827","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-19T21:42:57.000Z","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":["Pursuant to 15 U.S.C. 1681o, I am entitled to recover actual damages sustained due to this <em>negligence</em>, as well as reasonable attorneys fees if legal action becomes necessary.\n\nTo resolve this matter, I request that you : Immediately correct the inaccurate information, delete derogatory marks and hard inquiries, and provide written confirmation of the correction.\n\nConduct a proper <em>investigation</em> into this matter as <em>required</em> <em>under</em> the FCRA."],"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":[21.6365,"12133827"]},{"_index":"complaint-public-v1","_id":"12129058","_score":21.626965,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute Experian and Equifax for incorrect items on my credit report, failure to investigate a dispute and unauthorized access to my credit report. This matter constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681o, which holds parties civilly liable for negligent noncompliance with the statute.\n\nAccording to the FCRA, entities handling consumer credit information must ensure accuracy, fairness, and privacy in reporting. However, I have found that your organization has failed to meet these obligations in the following ways : Failure to correct inaccurate information after notification, failure to conduct a reasonable investigation and improper disclosure of credit information.\n\nThis negligence has resulted in harm, including but not limited to financial loss, damage to my creditworthiness, and emotional distress. Pursuant to 15 U.S.C. 1681o, I am entitled to recover actual damages sustained due to this negligence, as well as reasonable attorneys fees if legal action becomes necessary.\n\nTo resolve this matter, I request that you : Immediately correct the inaccurate information, delete derogatory marks and hard inquiries, and provide written confirmation of the correction.\n\nConduct a proper investigation into this matter as required under the FCRA.\n\nProvide a detailed response within 30 days of receipt of this letter, outlining the corrective measures taken.\n\nIf this matter is not resolved promptly, I may have no choice but to escalate this issue through legal channels, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to enforce my rights under the FCRA.\n\nI expect a written response within the statutory timeframe. Please send all correspondence regarding this dispute to the address listed above.","date_sent_to_company":"2025-02-19T21:43:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77055","tags":null,"has_narrative":true,"complaint_id":"12129058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-19T21:29:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Pursuant to 15 U.S.C. 1681o, I am entitled to recover actual damages sustained due to this <em>negligence</em>, as well as reasonable attorneys fees if legal action becomes necessary.\n\nTo resolve this matter, I request that you : Immediately correct the inaccurate information, delete derogatory marks and hard inquiries, and provide written confirmation of the correction.\n\nConduct a proper <em>investigation</em> into this matter as <em>required</em> <em>under</em> the FCRA."],"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":[21.626965,"12129058"]},{"_index":"complaint-public-v1","_id":"11886980","_score":21.444962,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Equifax Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Formal Dispute and Notice of Civil Liability for Negligent Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds parties liable for negligent non-compliance. \n\nUpon reviewing my credit report, I discovered the following inaccurate or misleading information : All accounts, I previously disputed these inaccuracies but have yet to receive a proper response or corrective action. Under the FCRA, credit reporting agencies and furnishers of information are required to reasonably investigate disputed information and correct any inaccuracies. Your failure to do so constitutes negligence and has caused me financial harm, including but not limited to : Denial of credit/loan/housing/employment Increased interest rates Emotional distress and damage to my reputation Pursuant to 15 U.S.C. 1681o, you may be held civilly liable for these negligent violations, including actual damages sustained as a result of your non-compliance, attorneys fees, and court costs.\n\nTo resolve this matter, I demand that you : Immediately investigate and correct the disputed information in compliance with the FCRA. \nProvide a written explanation of the investigation results within the required timeframe. \nCease reporting the disputed information until verification is properly conducted. \nIf you fail to take corrective action within the legally required timeframe, I am prepared to pursue legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages. \n\nPlease consider this letter a final attempt to resolve this matter amicably. I expect a response within 30 days of receipt of this letter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-01T16:20:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"356XX","tags":null,"has_narrative":true,"complaint_id":"11886980","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-01T15:44:23.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To resolve this matter, I demand that you : Immediately <em>investigate</em> and correct the disputed information in compliance with the FCRA. \nProvide a written explanation of the <em>investigation</em> results <em>within</em> the <em>required</em> <em>timeframe</em>. \nCease reporting the disputed information until verification is properly conducted."],"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":[21.444962,"11886980"]},{"_index":"complaint-public-v1","_id":"12156040","_score":21.437283,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding Credit Bureau Negligence Dear CFPB, I am writing to formally lodge a complaint regarding the negligence of a credit bureau in failing to provide my consumer reports as required under the Fair Credit Reporting Act ( FCRA ). \n\nDespite my repeated requests for my consumer reports, I have not received the necessary documentation from Trans Union, Equifax and Experian within the timeframe mandated by law. This lack of response has hindered my ability to review and address potential inaccuracies in my credit history, which is crucial for maintaining my financial health. \n\nThe FCRA mandates that credit bureaus provide consumers with access to their credit reports upon request. My attempts to obtain my reports have been met with delays and inadequate communication, which I believe constitutes a violation of my rights as a consumer. The failure to provide these reports not only impacts my ability to monitor my credit but also undermines the integrity of the credit reporting process. \n\nI urge the CFPB to investigate this matter and ensure that [ Name of Credit Bureau ] is held accountable for their negligence in complying with the FCRA. I have attached copies of my correspondence with the credit bureau, including any relevant documentation related to my requests for my consumer reports. \n\nThank you for your attention to this matter. I look forward to your prompt response regarding the steps that will be taken to address this issue.","date_sent_to_company":"2025-02-28T08:38:49.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"19130","tags":null,"has_narrative":true,"complaint_id":"12156040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-20T13:49:41.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Subject : Complaint Regarding Credit Bureau <em>Negligence</em> Dear CFPB, I am writing to formally lodge a complaint regarding the <em>negligence</em> of a credit bureau in failing to provide my consumer reports as <em>required</em> <em>under</em> the Fair Credit Reporting Act ( FCRA ). \n\nDespite my repeated requests for my consumer reports, I have not received the necessary documentation from Trans Union, Equifax and Experian <em>within</em> the <em>timeframe</em> mandated by law."]},"sort":[21.437283,"12156040"]},{"_index":"complaint-public-v1","_id":"12155812","_score":21.422512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding Credit Bureau Negligence Dear CFPB, I am writing to formally lodge a complaint regarding the negligence of a credit bureau in failing to provide my consumer reports as required under the Fair Credit Reporting Act ( FCRA ). \n\nDespite my repeated requests for my consumer reports, I have not received the necessary documentation from Trans Union, Equifax and Experian within the timeframe mandated by law. This lack of response has hindered my ability to review and address potential inaccuracies in my credit history, which is crucial for maintaining my financial health. \n\nThe FCRA mandates that credit bureaus provide consumers with access to their credit reports upon request. My attempts to obtain my reports have been met with delays and inadequate communication, which I believe constitutes a violation of my rights as a consumer. The failure to provide these reports not only impacts my ability to monitor my credit but also undermines the integrity of the credit reporting process. \n\nI urge the CFPB to investigate this matter and ensure that [ Name of Credit Bureau ] is held accountable for their negligence in complying with the FCRA. I have attached copies of my correspondence with the credit bureau, including any relevant documentation related to my requests for my consumer reports. \n\nThank you for your attention to this matter. I look forward to your prompt response regarding the steps that will be taken to address this issue.","date_sent_to_company":"2025-02-28T08:38:47.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"19130","tags":null,"has_narrative":true,"complaint_id":"12155812","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-20T14:00:04.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Subject : Complaint Regarding Credit Bureau <em>Negligence</em> Dear CFPB, I am writing to formally lodge a complaint regarding the <em>negligence</em> of a credit bureau in failing to provide my consumer reports as <em>required</em> <em>under</em> the 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