{"took":228,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":24354,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9784919","_score":11.381039,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXXXXXX. \nAccount XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXXXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-08-13T20:52:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20716","tags":null,"has_narrative":true,"complaint_id":"9784919","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-13T20:52:07.000Z","state":"MD","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":["However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or <em>accurately</em> reported <em>without</em> proper documentation. I request proof of adherence to applicable compliance standards specifically for this <em>account</em>. It's important to note that this matter is under <em>investigation</em> by the FTC. Please <em>remove</em> these unverified claims from my report."]},"sort":[11.381039,"9784919"]},{"_index":"complaint-public-v1","_id":"9784918","_score":11.378911,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXXXXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX  The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXXXXXX. \nAccount Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX  The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX XXXX Account Number:XXXX  The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX  XXXX Account Number:XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-08-13T20:52:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20716","tags":null,"has_narrative":true,"complaint_id":"9784918","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-13T20:52:07.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or <em>accurately</em> reported <em>without</em> proper documentation. I request proof of adherence to applicable compliance standards specifically for this <em>account</em>. It's important to note that this matter is under <em>investigation</em> by the FTC. Please <em>remove</em> these unverified claims from my report."]},"sort":[11.378911,"9784918"]},{"_index":"complaint-public-v1","_id":"9784852","_score":11.378911,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account XXXX XXXX XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX XXXX XXXX has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXXXXXX. \nAccount XXXX XXXX XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXXXXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX  XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-08-13T20:51:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20716","tags":null,"has_narrative":true,"complaint_id":"9784852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-13T20:42:02.000Z","state":"MD","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":["However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or <em>accurately</em> reported <em>without</em> proper documentation. I request proof of adherence to applicable compliance standards specifically for this <em>account</em>. It's important to note that this matter is under <em>investigation</em> by the FTC. Please <em>remove</em> these unverified claims from my report."]},"sort":[11.378911,"9784852"]},{"_index":"complaint-public-v1","_id":"12651212","_score":11.138869,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly sent disputes of fraudulent information on my credit reports to Experian, Equifax and Transunion. Included in these disputes are documentation that supports my claims such as : FTC reports, actual police reports, notarized court documents as well as proof of my identity. These companies have \" allegedly '' done thorough investigations of my credit reports, which resulted in the inaccurate accounts being removed from my credit reports. However, said companies have now reinserted previously removed accounts due to the accounts being verified. Without merit or proper protocol in which I have requested, to be shown exactly how these accounts were verified. As a consumer it is my right. To my understanding if it can't be proven legally and accurately that I had ownership of these accounts, then they are to NOT be reported. If investigations are being conducted properly, how is this even an issue? They are not doing thorough investigations and are going with whatever a creditor states without proof of anything being accurate, that isn't ethical nor is it legal!","date_sent_to_company":"2025-03-25T15:51:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77346","tags":null,"has_narrative":true,"complaint_id":"12651212","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-25T15:50:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These companies have \" allegedly '' done thorough <em>investigations</em> of my credit reports, which resulted in the inaccurate <em>accounts</em> being <em>removed</em> from my credit reports. However, said companies have now reinserted previously <em>removed</em> <em>accounts</em> due to the <em>accounts</em> being verified. <em>Without</em> merit or proper protocol in which I have requested, to be shown exactly how these <em>accounts</em> were verified. As a consumer it is my right."]},"sort":[11.138869,"12651212"]},{"_index":"complaint-public-v1","_id":"12637370","_score":11.113762,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have repeatedly sent disputes of fraudulent information on my credit reports to Experian, Equifax and Transunion. Included in these disputes are documentation that supports my claims such as : FTC reports, actual police reports, notarized court documents as well as proof of my identity. These companies have \" allegedly '' done thorough investigations of my credit reports, which resulted in the inaccurate accounts being removed from my credit reports. However, said companies have now reinserted previously removed accounts due to the accounts being verified. Without merit or proper protocol in which I have requested, to be shown exactly how these accounts were verified. As a consumer it is my right. To my understanding if it can't be proven legally and accurately that I had ownership of these accounts, then they are to NOT be reported. If investigations are being conducted properly, how is this even an issue? They are not doing thorough investigations and are going with whatever a creditor states without proof of anything being accurate, that isn't ethical nor is it legal!","date_sent_to_company":"2025-03-25T15:51:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77346","tags":null,"has_narrative":true,"complaint_id":"12637370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-25T15:02:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["These companies have \" allegedly '' done thorough <em>investigations</em> of my credit reports, which resulted in the inaccurate <em>accounts</em> being <em>removed</em> from my credit reports. However, said companies have now reinserted previously <em>removed</em> <em>accounts</em> due to the <em>accounts</em> being verified. <em>Without</em> merit or proper protocol in which I have requested, to be shown exactly how these <em>accounts</em> were verified. As a consumer it is my right."]},"sort":[11.113762,"12637370"]},{"_index":"complaint-public-v1","_id":"10018824","_score":11.110309,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within XXXX  days of this request. I previously informed your company that I am a victim of identity theft and the XXXX  data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! \n\nXXXX XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!","date_sent_to_company":"2024-09-05T11:33:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"10018824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-05T11:19:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or <em>accurately</em> reported <em>without</em> proper documentation. I request proof of adherence to applicable compliance standards specifically for this <em>account</em>. It's important to note that this matter is under <em>investigation</em> by the FTC. Please <em>remove</em> these unverified claims from my report."],"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":[11.110309,"10018824"]},{"_index":"complaint-public-v1","_id":"10019300","_score":11.109563,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within XXXX  days of this request. I previously informed your company that I am a victim of identity theft and the XXXX  data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! \n\nXXXX XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!","date_sent_to_company":"2024-09-05T11:33:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"10019300","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-05T11:33:31.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or <em>accurately</em> reported <em>without</em> proper documentation. I request proof of adherence to applicable compliance standards specifically for this <em>account</em>. It's important to note that this matter is under <em>investigation</em> by the FTC. Please <em>remove</em> these unverified claims from my report."],"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":[11.109563,"10019300"]},{"_index":"complaint-public-v1","_id":"10019298","_score":11.109563,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within XXXX  days of this request. I previously informed your company that I am a victim of identity theft and the Equifax data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXX XXXX XXXX**** The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.\n\nXXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXXXXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXX XXXX  XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXXXXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX XXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! \n\nXXXX XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!","date_sent_to_company":"2024-09-05T11:33:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"10019298","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-05T11:33:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or <em>accurately</em> reported <em>without</em> proper documentation. I request proof of adherence to applicable compliance standards specifically for this <em>account</em>. It's important to note that this matter is under <em>investigation</em> by the FTC. Please <em>remove</em> these unverified claims from my report."],"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":[11.109563,"10019298"]},{"_index":"complaint-public-v1","_id":"10100409","_score":11.062294,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with XXXX XXXX XXXX ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! \n\nXXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with XXXX XXXX XXXX ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! \n\nXXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! \n\nXXXX XXXX XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXXXXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX - XXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXXXXXX The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-09-12T14:46:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"10100409","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-12T14:46:34.000Z","state":"MI","company_public_response":null,"sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or <em>accurately</em> reported <em>without</em> proper documentation. I request proof of adherence to applicable compliance standards specifically for this <em>account</em>. It's important to note that this matter is under <em>investigation</em> by the FTC. Please <em>remove</em> these unverified claims from my report."],"sub_issue":["Report provided to employer <em>without</em> your written authorization"]},"sort":[11.062294,"10100409"]},{"_index":"complaint-public-v1","_id":"10102388","_score":11.03887,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! \n\nXXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! \n\nXXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX  XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX FIN - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-09-12T14:46:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"10102388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-12T14:38:33.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or <em>accurately</em> reported <em>without</em> proper documentation. I request proof of adherence to applicable compliance standards specifically for this <em>account</em>. It's important to note that this matter is under <em>investigation</em> by the FTC. Please <em>remove</em> these unverified claims from my report."],"sub_issue":["Report provided to employer <em>without</em> your written authorization"]},"sort":[11.03887,"10102388"]},{"_index":"complaint-public-v1","_id":"10102106","_score":11.035614,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! \n\nXXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! \n\nXXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! \n\nXXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXXXXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXX  XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX  XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXXXXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-09-12T14:46:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"10102106","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-12T14:46:34.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or <em>accurately</em> reported <em>without</em> proper documentation. I request proof of adherence to applicable compliance standards specifically for this <em>account</em>. It's important to note that this matter is under <em>investigation</em> by the FTC. Please <em>remove</em> these unverified claims from my report."],"sub_issue":["Report provided to employer <em>without</em> your written authorization"]},"sort":[11.035614,"10102106"]},{"_index":"complaint-public-v1","_id":"11716999","_score":10.988433,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds that the account is accurate, without providing any evidence XXXX a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a resonance investigation of disputes. Furthermore XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of invistigation. On accounts : XXXX  XXXX : late payments not accurate and not removed XXXX : late payments not accurate and not removed Military star : late payment not accurate and not removed Syncb/carecredit : I never closed account XXXX XXXX XXXX XXXX XXXX payments not accurate and not removed XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX","date_sent_to_company":"2025-01-23T08:23:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92585","tags":null,"has_narrative":true,"complaint_id":"11716999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-23T08:23:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On <em>accounts</em> : XXXX  XXXX : late payments not <em>accurate</em> and not <em>removed</em> XXXX : late payments not <em>accurate</em> and not <em>removed</em> Military star : late payment not <em>accurate</em> and not <em>removed</em> Syncb/carecredit : I never closed <em>account</em> XXXX XXXX XXXX XXXX XXXX payments not <em>accurate</em> and not <em>removed</em> XXXX XXXX XXXX XXXX XXXX XXXX and 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":[10.988433,"11716999"]},{"_index":"complaint-public-v1","_id":"11715063","_score":10.987474,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions equifax consistently responds that the account is accurate, without providing any evidence oc a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a resonance investigation of disputes. Furthermore Equifax s actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of invistigation. On accounts : XX/XX/XXXXXXXX : late payments not accurate and not removed XXXX : late payments not accurate and not removed XX/XX/XXXX : late payment not accurate and not removedXX/XX/XXXX : I never closed account XXXX XXXX XXXX XXXX late payments not accurate and not removed XXXX XXXX XXXX inquiry XXXX XXXX2024 and XXXXXX/XX/XXXX,2024","date_sent_to_company":"2025-01-23T08:23:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92585","tags":null,"has_narrative":true,"complaint_id":"11715063","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-23T08:10:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On <em>accounts</em> : XX/XX/XXXXXXXX : late payments not <em>accurate</em> and not <em>removed</em> XXXX : late payments not <em>accurate</em> and not <em>removed</em> XX/XX/XXXX : late payment not <em>accurate</em> and not <em>removed</em>XX/XX/XXXX : I never closed <em>account</em> XXXX XXXX XXXX XXXX late payments not <em>accurate</em> and not <em>removed</em> XXXX XXXX XXXX inquiry XXXX XXXX2024 and XXXXXX/XX/XXXX,2024"],"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":[10.987474,"11715063"]},{"_index":"complaint-public-v1","_id":"9575808","_score":10.982603,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX Account XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX Account XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\n\nXXXX XXXX XXXX XXXX  Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX  Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX Account Number XXXX XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account NumberXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX Account Number:XXXX  The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number XXXX XXXX  The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account NumberXXXX  The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-07-22T13:25:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30004","tags":null,"has_narrative":true,"complaint_id":"9575808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-22T13:20:27.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or <em>accurately</em> reported <em>without</em> proper documentation. I request proof of adherence to applicable compliance standards specifically for this <em>account</em>. It's important to note that this matter is under <em>investigation</em> by the FTC. Please <em>remove</em> these unverified claims from my report."]},"sort":[10.982603,"9575808"]},{"_index":"complaint-public-v1","_id":"11905441","_score":10.963162,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Previously removed collection account was reinserted without notification Company Name : Equifax I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection account onto my credit report without following the proper legal procedures.\n\nI disputed a collection account on my Equifax credit report, and after an investigation, Equifax removed the account. However, I recently checked my credit report and discovered that the same deleted collection account has been reinserted without any prior notification, violating my rights under federal law.\n\nUnder 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA Reappearance of Previously Deleted Information ), a credit bureau CAN NOT reinsert a previously deleted account unless : The furnisher of the information certifies that the information is accurate and complete.\n\nThe consumer ( me ) is notified in writing within five business days of the reinsertion.\n\nEquifax has violated both of these requirements : I did NOT receive any written notification from Equifax informing me that the collection account was being reinserted.\n\nI have not received any certification of accuracy from the original furnisher of the debt.\n\nThis means Equifax has reinserted inaccurate or unverified information without following the proper FCRA procedures.\n\n3. Equifaxs Failure to Maintain Accurate Information ( FCRA Violation ) Under 15 U.S.C. 1681e ( b ) ( FCRA Requirement to Maintain Accuracy ), Equifax is legally required to ensure that all information on my credit report is accurate and complete.\n\nBecause Equifax previously determined that this collection account should be removed, its reappearance is a violation of my consumer rights. The fact that the account was removed and then reinserted without proper verification demonstrates that Equifax is failing to maintain the accuracy of my credit file.\n\n4. Equifaxs Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA Requirement to Conduct a Reasonable Investigation ), Equifax is required to properly investigate disputes.\n\nBy removing the collection account and then re-reporting it without informing me or verifying its accuracy, Equifax has demonstrated : Failure to conduct a reasonable investigation.\n\nFailure to verify the accuracy of reinserted information.\n\n5. Legal Violations by Equifax 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify the consumer of reinserted information within five business days.\n\n15 U.S.C. 1681e ( b ) Failure to maintain accurate credit report information.\n\n15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper investigation.","date_sent_to_company":"2025-02-04T01:27:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75013","tags":null,"has_narrative":true,"complaint_id":"11905441","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-04T01:26:58.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Issue : Previously <em>removed</em> collection <em>account</em> was reinserted <em>without</em> notification Company Name : Equifax I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection <em>account</em> onto my credit report <em>without</em> following the proper legal procedures.\n\nI disputed a collection <em>account</em> on my Equifax credit report, and after an <em>investigation</em>, Equifax <em>removed</em> the <em>account</em>."]},"sort":[10.963162,"11905441"]},{"_index":"complaint-public-v1","_id":"11905440","_score":10.963162,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Previously removed collection account was reinserted without notification Company Name : Equifax I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection account onto my credit report without following the proper legal procedures.\n\nI disputed a collection account on my Equifax credit report, and after an investigation, Equifax removed the account. However, I recently checked my credit report and discovered that the same deleted collection account has been reinserted without any prior notification, violating my rights under federal law.\n\nUnder 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA Reappearance of Previously Deleted Information ), a credit bureau CAN NOT reinsert a previously deleted account unless : The furnisher of the information certifies that the information is accurate and complete.\n\nThe consumer ( me ) is notified in writing within five business days of the reinsertion.\n\nEquifax has violated both of these requirements : I did NOT receive any written notification from Equifax informing me that the collection account was being reinserted.\n\nI have not received any certification of accuracy from the original furnisher of the debt.\n\nThis means Equifax has reinserted inaccurate or unverified information without following the proper FCRA procedures.\n\n3. Equifaxs Failure to Maintain Accurate Information ( FCRA Violation ) Under 15 U.S.C. 1681e ( b ) ( FCRA Requirement to Maintain Accuracy ), Equifax is legally required to ensure that all information on my credit report is accurate and complete.\n\nBecause Equifax previously determined that this collection account should be removed, its reappearance is a violation of my consumer rights. The fact that the account was removed and then reinserted without proper verification demonstrates that Equifax is failing to maintain the accuracy of my credit file.\n\n4. Equifaxs Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA Requirement to Conduct a Reasonable Investigation ), Equifax is required to properly investigate disputes.\n\nBy removing the collection account and then re-reporting it without informing me or verifying its accuracy, Equifax has demonstrated : Failure to conduct a reasonable investigation.\n\nFailure to verify the accuracy of reinserted information.\n\n5. Legal Violations by Equifax 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify the consumer of reinserted information within five business days.\n\n15 U.S.C. 1681e ( b ) Failure to maintain accurate credit report information.\n\n15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper investigation.","date_sent_to_company":"2025-02-04T01:27:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75013","tags":null,"has_narrative":true,"complaint_id":"11905440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-04T01:26:58.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Issue : Previously <em>removed</em> collection <em>account</em> was reinserted <em>without</em> notification Company Name : Equifax I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection <em>account</em> onto my credit report <em>without</em> following the proper legal procedures.\n\nI disputed a collection <em>account</em> on my Equifax credit report, and after an <em>investigation</em>, Equifax <em>removed</em> the <em>account</em>."]},"sort":[10.963162,"11905440"]},{"_index":"complaint-public-v1","_id":"11905304","_score":10.96028,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Previously removed collection account was reinserted without notification Company Name : Equifax I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection account onto my credit report without following the proper legal procedures.\n\nI disputed a collection account on my Equifax credit report, and after an investigation, Equifax removed the account. However, I recently checked my credit report and discovered that the same deleted collection account has been reinserted without any prior notification, violating my rights under federal law.\n\nUnder 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA Reappearance of Previously Deleted Information ), a credit bureau CAN NOT reinsert a previously deleted account unless : The furnisher of the information certifies that the information is accurate and complete.\n\nThe consumer ( me ) is notified in writing within five business days of the reinsertion.\n\nEquifax has violated both of these requirements : I did NOT receive any written notification from Equifax informing me that the collection account was being reinserted.\n\nI have not received any certification of accuracy from the original furnisher of the debt.\n\nThis means Equifax has reinserted inaccurate or unverified information without following the proper FCRA procedures.\n\n3. Equifaxs Failure to Maintain Accurate Information ( FCRA Violation ) Under 15 U.S.C. 1681e ( b ) ( FCRA Requirement to Maintain Accuracy ), Equifax is legally required to ensure that all information on my credit report is accurate and complete.\n\nBecause Equifax previously determined that this collection account should be removed, its reappearance is a violation of my consumer rights. The fact that the account was removed and then reinserted without proper verification demonstrates that Equifax is failing to maintain the accuracy of my credit file.\n\n4. Equifaxs Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA Requirement to Conduct a Reasonable Investigation ), Equifax is required to properly investigate disputes.\n\nBy removing the collection account and then re-reporting it without informing me or verifying its accuracy, Equifax has demonstrated : Failure to conduct a reasonable investigation.\n\nFailure to verify the accuracy of reinserted information.\n\n5. Legal Violations by Equifax 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify the consumer of reinserted information within five business days.\n\n15 U.S.C. 1681e ( b ) Failure to maintain accurate credit report information.\n\n15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper investigation.","date_sent_to_company":"2025-02-04T01:27:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75013","tags":null,"has_narrative":true,"complaint_id":"11905304","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-04T01:19:24.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Issue : Previously <em>removed</em> collection <em>account</em> was reinserted <em>without</em> notification Company Name : Equifax I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection <em>account</em> onto my credit report <em>without</em> following the proper legal procedures.\n\nI disputed a collection <em>account</em> on my Equifax credit report, and after an <em>investigation</em>, Equifax <em>removed</em> the <em>account</em>."]},"sort":[10.96028,"11905304"]},{"_index":"complaint-public-v1","_id":"9578830","_score":10.956179,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\n\nXXXX XXXX XXXX XXXX  Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  Account Number : **** The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account XXXX XXXX XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  Account Number : **** The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-07-22T13:32:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30004","tags":null,"has_narrative":true,"complaint_id":"9578830","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-22T13:29:51.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or <em>accurately</em> reported <em>without</em> proper documentation. I request proof of adherence to applicable compliance standards specifically for this <em>account</em>. It's important to note that this matter is under <em>investigation</em> by the FTC. Please <em>remove</em> these unverified claims from my report."]},"sort":[10.956179,"9578830"]},{"_index":"complaint-public-v1","_id":"9576708","_score":10.956179,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX Account Number:XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX Account NumberXXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\n\nXXXX XXXX XXXX XXXX Account NumberXXXX The XXXXXXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX Account NumberXXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX Account Number : **** The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account NumberXXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account NumberXXXX  The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX Account Number:XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  Account Number : **** The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-07-22T13:29:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30004","tags":null,"has_narrative":true,"complaint_id":"9576708","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-22T13:26:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or <em>accurately</em> reported <em>without</em> proper documentation. I request proof of adherence to applicable compliance standards specifically for this <em>account</em>. It's important to note that this matter is under <em>investigation</em> by the FTC. Please <em>remove</em> these unverified claims from my report."]},"sort":[10.956179,"9576708"]},{"_index":"complaint-public-v1","_id":"21689629","_score":10.895093,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding inaccurate and inconsistent reporting of a XXXX credit card account. \n\nThis account has been reported with conflicting balances. XXXX previously provided documentation showing a balance of approximately {$1800.00}, while the account is currently being reported to credit bureaus with a balance of approximately {$6800.00}. \n\nBoth balances can not be accurate. Despite this clear discrepancy, XXXX has continued to report the higher balance and has verified the account as accurate to the credit bureaus. \n\nAdditionally, this account was previously removed from my credit report and later reinserted after XXXX re-verified it, without resolving the conflicting balance information. \n\nI have also submitted an FTC Identity Theft Report and filed a police report regarding this account. Despite this, XXXX has continued to report the account with late payments, charge-off status, and an inflated balance without adequately addressing the discrepancies or the fraud claim. \n\nI have disputed this with all three credit bureaus, and each has relied on XXXX verification without addressing the inconsistency. \n\nUnder the Fair Credit Reporting Act, furnishers of information are required to report information accurately and to conduct reasonable investigations when disputes are raised. Reporting conflicting balances and continuing to verify inaccurate information does not meet this obligation. \n\nI am requesting that XXXX conduct a proper investigation into this account, including both the inaccurate balance and the fraud documentation provided, and either correct the reporting or remove the account entirely if it can not be verified as accurate.","date_sent_to_company":"2026-04-29T00:16:15.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"21689629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-04-28T23:55:51.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am requesting that XXXX conduct a proper <em>investigation</em> into this <em>account</em>, including both the inaccurate balance and the fraud documentation provided, and either correct the reporting or <em>remove</em> the <em>account</em> entirely if it can not be verified as <em>accurate</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[10.895093,"21689629"]},{"_index":"complaint-public-v1","_id":"15127527","_score":10.891818,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"A collection account from an eviction was added to my TransUnion credit report without prior notice or opportunity to dispute. I disputed the account, but TransUnion verified it as accurate without providing any documentation or explanation of how the verification was done. I later provided proof that XXXX  removed the same account due to lack of verification and requested TransUnion re-investigate and remove the item. Despite this, TransUnion continues to report the account inaccurately, which harms my credit. I am filing this complaint because TransUnion has failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act.","date_sent_to_company":"2025-08-06T12:00:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43081","tags":null,"has_narrative":true,"complaint_id":"15127527","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-06T10:16:36.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["A collection <em>account</em> from an eviction was added to my TransUnion credit report <em>without</em> prior notice or opportunity to dispute. I disputed the <em>account</em>, but TransUnion verified it as <em>accurate</em> <em>without</em> providing any documentation or explanation of how the verification was done. I later provided proof that XXXX  <em>removed</em> the same <em>account</em> due to lack of verification and requested TransUnion re-<em>investigate</em> and <em>remove</em> the item."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"]},"sort":[10.891818,"15127527"]},{"_index":"complaint-public-v1","_id":"3874535","_score":10.885127,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have filed multiple complaints on this matter with this particular bureau regarding incorrect information on two past credit cards accounts from XXXX XXXX XXXX. Their investigation should discover that my claims are accurate and they should remove these accounts immediately. XXXX  has completed their investigation and removed both accounts without hesitation and I'm looking forward to the same action to be taken as this negative information is hindering my financial state in such unprecedented times. Below I will attach supporting documentation from XXXX  regarding the results of their investigation.","date_sent_to_company":"2020-09-30T18:09:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"3874535","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-09-30T18:09:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have filed multiple complaints on this matter with this particular bureau regarding incorrect information on two past credit cards <em>accounts</em> from XXXX XXXX XXXX. Their <em>investigation</em> should discover that my claims are <em>accurate</em> and they should <em>remove</em> these <em>accounts</em> immediately."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.885127,"3874535"]},{"_index":"complaint-public-v1","_id":"13088639","_score":10.865889,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Military star/aafes has not provided proof of 5day reinsertion notice or addressed my past XXXX disputes just a generic email to send my concerns to XXXX You removed the account and reinserted without giving me notice can you explain that to me not If you used your investigative tools to determine the account is accurate why did you remove it and reinserted it without giving me notice within 5 days.","date_sent_to_company":"2025-04-21T15:40:03.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"235XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13088639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2025-04-21T15:27:58.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Military star/aafes has not provided proof of 5day reinsertion notice or addressed my past XXXX disputes just a generic email to send my concerns to XXXX You <em>removed</em> the <em>account</em> and reinserted <em>without</em> giving me notice can you explain that to me not If you used your <em>investigative</em> tools to determine the <em>account</em> is <em>accurate</em> why did you <em>remove</em> it and reinserted it <em>without</em> giving me notice within 5 days."]},"sort":[10.865889,"13088639"]},{"_index":"complaint-public-v1","_id":"3874538","_score":10.860092,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have filed multiple complaints on this matter with this particular bureau regarding incorrect information on two past credit cards accounts from XXXX XXXX XXXX. Their investigation should discover that my claims are accurate and they should remove these accounts immediately. XXXX   has completed their investigation and removed both accounts without hesitation and I'm looking forward to the same action to be taken as this negative information is hindering my financial state in such unprecedented times. Below I will attach supporting documentation from XXXX   regarding the results of their investigation.","date_sent_to_company":"2020-09-30T18:09:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"3874538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-09-30T17:57:37.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have filed multiple complaints on this matter with this particular bureau regarding incorrect information on two past credit cards <em>accounts</em> from XXXX XXXX XXXX. Their <em>investigation</em> should discover that my claims are <em>accurate</em> and they should <em>remove</em> these <em>accounts</em> immediately."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.860092,"3874538"]},{"_index":"complaint-public-v1","_id":"13100443","_score":10.858856,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Military star/aafes has not provided proof of 5day reinsertion notice or addressed my past 4 disputes just a generic email to send my concerns to XXXX You removed the account and reinserted without giving me notice can you explain that to me not If you used your investigative tools to determine the account is accurate why did you remove it and reinserted it without giving me notice within 5 days.","date_sent_to_company":"2025-04-21T15:40:07.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"235XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13100443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2025-04-21T15:39:36.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Military star/aafes has not provided proof of 5day reinsertion notice or addressed my past 4 disputes just a generic email to send my concerns to XXXX You <em>removed</em> the <em>account</em> and reinserted <em>without</em> giving me notice can you explain that to me not If you used your <em>investigative</em> tools to determine the <em>account</em> is <em>accurate</em> why did you 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