{"took":132,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":8119,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9487153","_score":14.988656,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/year> Equifax removed late payment from my credit report advising no late payments for rocket mortgage and account is paid as agreed. I noticed this late payment was added back to my credit report. This information is fraudulent and needs to be REMOVED and not put back on my credit report or legal action will need to be taken. I attached the current credit report and the credit bureau response on the previous claim.","date_sent_to_company":"2024-07-12T03:58:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75189","tags":"Servicemember","has_narrative":true,"complaint_id":"9487153","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-12T03:58:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In XX/XX/year> Equifax <em>removed</em> <em>late</em> <em>payment</em> from my <em>credit</em> <em>report</em> advising no <em>late</em> <em>payments</em> for rocket mortgage and account is paid as agreed. I noticed this <em>late</em> <em>payment</em> was added <em>back</em> to my <em>credit</em> <em>report</em>. This <em>information</em> is fraudulent and needs to be <em>REMOVED</em> and not put <em>back</em> on my <em>credit</em> <em>report</em> or legal action will need to be taken. I attached the current <em>credit</em> <em>report</em> and the <em>credit</em> bureau response on the previous claim."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.988656,"9487153"]},{"_index":"complaint-public-v1","_id":"9476330","_score":14.655642,"_source":{"product":"Debt or credit management","complaint_what_happened":"I am NOT 2 payments behind, XXXX is showing 30 days late for XXXX AND XXXXI am not late those months, I am current for XXXX AND XXXX. please remove this false report to XXXX The issue I've been experiencing is on my credit report clearly shows 2 late payments for XXXX and XXXX but on SELF and talking to multiple support teams, I'm current for the months of XXXX and XXXX. This needs to be removed and corrected on my credit report for XXXX and to other credit bureaus. I've sent screenshots to back up my statements of FALSE LATE PAYMENTS FOR XXXX AND XXXX. I AM CURRENT, no late payment for these months stated above. Please remove and correct the information to repot back to the credit bureaus with updated CORRECT information. Thank you for your time XXXX XXXX","date_sent_to_company":"2024-07-10T23:37:53.000Z","issue":"Didn't provide services promised","sub_product":"Credit repair services","zip_code":"78237","tags":null,"has_narrative":true,"complaint_id":"9476330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-07-10T23:12:36.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I've sent screenshots to <em>back</em> up my statements of FALSE <em>LATE</em> <em>PAYMENTS</em> FOR XXXX AND XXXX. I AM CURRENT, no <em>late</em> <em>payment</em> for these months stated above. Please <em>remove</em> and correct the <em>information</em> to repot <em>back</em> to the <em>credit</em> bureaus with updated CORRECT <em>information</em>. Thank you for your time XXXX XXXX"],"product":["Debt or <em>credit</em> management"],"sub_product":["<em>Credit</em> repair services"]},"sort":[14.655642,"9476330"]},{"_index":"complaint-public-v1","_id":"19573389","_score":14.649512,"_source":{"product":"Debt collection","complaint_what_happened":"I contacted Experian in XX/XX/year> to confirm the validity of this account that they were reporting in accurate late payments which affected my credit report. The Experian representative informed me that they attempted to reach out to me with the wrong information listed, and that they still reported the inaccurate late payments information, due to the Nelnet balances they had at the time, even though they did not have my correct contact details. I spoke with the Experian representative to ask if the late payments can be removed to resolve that derogatory look on my credit report and if anything can be done and it was ignored. I then sent certified mail requesting to dispute the late payment and requesting documented proof to show if the late payments is accurate information and nothing was received. \n\nI did the same action with XXXX XXXX and Equifax and due to the inaccurate information reporting on my account XXXX XXXX and Equifax removed the debt completely off of my credit. Experian was the only one that tried to add it back on there after I sent certified mail to request for it to be removed and no documentation was received explaining why they denied or put it back onto my credit report. \n\n* * Attachments will show when Experian had it removed in XX/XX/year> and then recently added it back to my credit report. Also, TransUnion had it removed. Lastly, I do not have online access to my Equifax but they did mail me documentation proof that this account is invalid and its removed.","date_sent_to_company":"2026-02-17T23:45:29.000Z","issue":"Written notification about debt","sub_product":"Federal student loan debt","zip_code":"30324","tags":null,"has_narrative":true,"complaint_id":"19573389","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2026-02-17T22:49:18.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I spoke with the Experian representative to ask if the <em>late</em> <em>payments</em> can be <em>removed</em> to resolve that derogatory look on my <em>credit</em> <em>report</em> and if anything can be done and it was ignored. I then sent certified mail requesting to dispute the <em>late</em> <em>payment</em> and requesting documented proof to show if the <em>late</em> <em>payments</em> is accurate <em>information</em> and nothing was received."],"sub_issue":["Didn't receive enough <em>information</em> to verify debt"]},"sort":[14.649512,"19573389"]},{"_index":"complaint-public-v1","_id":"4182016","_score":14.504076,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax and XXXX  are in violation of deleting several accounts ; then add the same account back on my credit report. I dispute my these accounts, and Equifax and XXXX were not able to verify the information. This accounts were detailed, and they added back on my credit report. \n1. Validate inaccurate/reported late payments XXXX  XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 2. XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 3. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 4. XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 5. XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments update to paid as agreed 6. \nAccount Number : XXXX Please remove inaccurate reported late payments update to paid as agreed","date_sent_to_company":"2021-03-04T05:43:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"38106","tags":null,"has_narrative":true,"complaint_id":"4182016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-03-04T00:30:00.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax and XXXX  are in violation of deleting several accounts ; then add the same account <em>back</em> on my <em>credit</em> <em>report</em>. I dispute my these accounts, and Equifax and XXXX were not able to verify the <em>information</em>. This accounts were detailed, and they added <em>back</em> on my <em>credit</em> <em>report</em>. \n1. Validate inaccurate/<em>reported</em> <em>late</em> <em>payments</em> XXXX  XXXX Account Number : XXXX Please <em>remove</em> inaccurate <em>reported</em> <em>late</em> <em>payments</em> update to paid as agreed 2."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.504076,"4182016"]},{"_index":"complaint-public-v1","_id":"3390212","_score":14.195195,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This will be second attempt to try to resolve my matter with XXXX XXXX XXXX. They responded to me that they would be correcting the miss information within my credit report. They continue to report a late payment on my account when numerous times I was told would not be marked as late. Car was traded in back in XXXX. They removed late payment in XX/XX/XXXX, then readded back on XX/XX/XXXX. It not being updated in their system so each month reports late payment. Am at the point of taking legal action. I spoke to credit company and they advised me they keep reporting late payment.","date_sent_to_company":"2019-09-29T04:40:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85388","tags":null,"has_narrative":true,"complaint_id":"3390212","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-09-29T04:40:36.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They responded to me that they would be correcting the miss <em>information</em> within my <em>credit</em> <em>report</em>. They continue to <em>report</em> a <em>late</em> <em>payment</em> on my account when numerous times I was told would not be marked as <em>late</em>. Car was traded in <em>back</em> in XXXX. They <em>removed</em> <em>late</em> <em>payment</em> in XX/XX/XXXX, then readded <em>back</em> on XX/XX/XXXX. It not being updated in their system so each month <em>reports</em> <em>late</em> <em>payment</em>. Am at the point of taking legal action."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.195195,"3390212"]},{"_index":"complaint-public-v1","_id":"3390209","_score":14.18414,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This will be second attempt to try to resolve my matter with Santander Consumer USA. They responded to me that they would be correcting the miss information within my credit report. They continue to report a late payment on my account when numerous times I was told would not be marked as late. Car was traded in back in XXXX. They removed late payment in XX/XX/XXXX, then readded back on XX/XX/XXXX. It not being updated in their system so each month reports late payment. Am at the point of taking legal action. I spoke to credit company and they advised me they keep reporting late payment.","date_sent_to_company":"2019-09-29T04:40:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85388","tags":null,"has_narrative":true,"complaint_id":"3390209","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2019-09-29T04:27:10.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They responded to me that they would be correcting the miss <em>information</em> within my <em>credit</em> <em>report</em>. They continue to <em>report</em> a <em>late</em> <em>payment</em> on my account when numerous times I was told would not be marked as <em>late</em>. Car was traded in <em>back</em> in XXXX. They <em>removed</em> <em>late</em> <em>payment</em> in XX/XX/XXXX, then readded <em>back</em> on XX/XX/XXXX. It not being updated in their system so each month <em>reports</em> <em>late</em> <em>payment</em>. Am at the point of taking legal action."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.18414,"3390209"]},{"_index":"complaint-public-v1","_id":"1511919","_score":14.079162,"_source":{"product":"Mortgage","complaint_what_happened":"This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with Bank of America ( BOA ). in 2012 BOA agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. \n\nI request all late payments be removed again ASAP. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXBank of AmericaMortgage - XXXX","date_sent_to_company":"2015-08-10T14:13:04.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional fixed mortgage","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"1511919","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-08-10T14:13:03.000Z","state":"MD","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This is a new Care ( THIS IS A NEW CASE ) <em>Back</em> in 2012 on case number XXXX CFPB assisted me with Bank of America ( BOA ). in 2012 BOA agreed with CFPB and myself and <em>removed</em> all the fraudulent <em>information</em> from my <em>credit</em> <em>report</em> show any <em>late</em> <em>payments</em> ( I have never been <em>late</em> ). I check again this morning and the fraudulent <em>information</em> was <em>back</em> on my <em>report</em>. \n\nI request all <em>late</em> <em>payments</em> be <em>removed</em> again ASAP. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXBank of AmericaMortgage - XXXX"]},"sort":[14.079162,"1511919"]},{"_index":"complaint-public-v1","_id":"2264443","_score":13.992323,"_source":{"product":"Credit card","complaint_what_happened":"My name is XXXX XXXX and i am reporting the capital one credit card for reporting both of my credit cardfor late payments caused by them. it was a very nasty brutal battle to fight with them to remove their late fees on my cards and to move late payments information to the credit bureaus. that happened back on XXXX - XXXX XXXX. XXXX capital one 's employees are horribles, i have requested to have both of my credit cards payments dates to be the same dates. back on XXXX 2016 it was supposed to be on the XXXX of each month. the rep i have spoken with promise that it will request it to be on that date. after that when i did not make the payment on the XXXX for XXXX of my credit card the following month they automatically charge me late fees for XXXX then i called to dispute that and another rep. told me he will not remove the late fees because it was not a bank error. that is how all the problems started. it tooked me 3 months to fight that till back on XXXX 2016 i had another rep who decided to fix the problems for both of my credit cards so i can make my payments. i have never been late since i have my cards. capital one representatives are very rude, they even hang up on me several times. I have this rep removed all the late fees for those months after that fights. But they still did not remove the incorrect information reported to the credit bureaus. That started another 6 months of battle with this disgusted credit cards company. One supervisor XXXX hangup on me when i told him a rep name XXXX says she will removed the incorrect information given to the credit report. she put me on hold and come back and says i can not do it. i asked her what you means you can contact the credit bureaus and removed when you say you can do it, She respond to me that she will transfer to XXXX the supervisor who wasted my time for 2 hours and hang up on me. I am reporting the disgusting ways the employees of this company destroyed they customers credit by reporting wrong informations while saying something else to the customers","date_sent_to_company":"2016-12-27T22:53:03.000Z","issue":"Other","sub_product":null,"zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2264443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2016-12-27T22:53:03.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My name is XXXX XXXX and i am <em>reporting</em> the capital one <em>credit</em> card for <em>reporting</em> both of my <em>credit</em> cardfor <em>late</em> <em>payments</em> caused by them. it was a very nasty brutal battle to fight with them to <em>remove</em> their <em>late</em> fees on my cards and to move <em>late</em> <em>payments</em> <em>information</em> to the <em>credit</em> bureaus. that happened <em>back</em> on XXXX - XXXX XXXX."],"product":["<em>Credit</em> card"]},"sort":[13.992323,"2264443"]},{"_index":"complaint-public-v1","_id":"4024600","_score":13.98905,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian has not removed a item from my credit that was removed by XXXX  and per XXXX  is about to be removed : I item is passed the time for reporting to my credit. it was removed, sold and put on as a brand new claim. I paid off my XXXX  account as well. So it was paid off and it also was removed by XXXX, then result, doubling the time on my report. \nso not only was it paid but time already lapsed on it and XXXX removed it themselve, they then sold it and the new company restarted the time XXXX XXXX XXXX XXXX the XXXX  card i have on file was created without my consent, i received and used no card but it shows late payments. theose were fees they charged me when i never had a card. ialso deserve my money back from this company. i called they said the money removed from my bank account would be credited back and they never have they need to remove the late payments XXXX XXXX and managenent was also removed by the other berues as it was found not accurate and was paid long ago XXXX  XXXX  XXXX for XXXX also removed for same reasons, they could not verify the information and it was paid by insurance they also are not reporting my rent of XXXX each month when it is reported to them I was also effected by covid and i tried reporting this but they will not allow me to report anything i used a credit repair agency and thye made things worse so now i cant dispute with experian as they say investigations were already done, but i do not know what the credit repair agency told them how can i report a dispute if they block me XXXX  amazing company only issue is the rent is not reporting the XXXX  card i have on file was created without my consent, i received and used no card but it shows late payments. theose were fees they charged me when i never had a card. ialso deserve my money back from this company. i called they said the money removed from my bank account would be credited back and they never have they need to remove the late payments XXXX  amazing company the XXXX  card i have on file was created without my consent, i received and used no card but it shows late payments. theose were fees they charged me when i never had a card. ialso deserve my money back from this company. i called they said the money removed from my bank account would be credited back and they never have they need to remove the late payments","date_sent_to_company":"2020-12-21T20:57:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33510","tags":"Servicemember","has_narrative":true,"complaint_id":"4024600","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-12-21T20:39:44.000Z","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":["from my bank account would be <em>credited</em> <em>back</em> and they never have they need to <em>remove</em> the <em>late</em> <em>payments</em> XXXX  amazing company the XXXX  card i have on file was created without my consent, i received and used no card but it shows <em>late</em> <em>payments</em>. theose were fees they charged me when i never had a card. ialso deserve my money <em>back</em> from this company. i called they said the money <em>removed</em> from my bank account would be <em>credited</em> <em>back</em> and they never have they need to <em>remove</em> the <em>late</em> <em>payments</em>"],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.98905,"4024600"]},{"_index":"complaint-public-v1","_id":"3704697","_score":13.977707,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was the co signer on a XXXX lease that was opened in XX/XX/XXXX. My credit report states that there were 2 late payments back to back XXXX of XXXX and XXXX of XXXX when they were not late. The primary individual on the account does not have any late payments on their credit report for this account, but I do. We have contacted XXXX for them to take a look and remove the 2 late payments from me credit report and were told they submitted the information needed to do so, but almost a year later both bad inquiries are still showing. Every payment for this lease was made on time and my credit report for this loan should show the same ( all green ) as the primary signer.","date_sent_to_company":"2020-06-18T14:36:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95207","tags":null,"has_narrative":true,"complaint_id":"3704697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-06-18T14:36:54.000Z","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":["My <em>credit</em> <em>report</em> states that there were 2 <em>late</em> <em>payments</em> <em>back</em> to <em>back</em> XXXX of XXXX and XXXX of XXXX when they were not <em>late</em>. The primary individual on the account does not have any <em>late</em> <em>payments</em> on their <em>credit</em> <em>report</em> for this account, but I do. We have contacted XXXX for them to take a look and <em>remove</em> the 2 <em>late</em> <em>payments</em> from me <em>credit</em> <em>report</em> and were told they submitted the <em>information</em> needed to do so, but almost a year <em>later</em> both bad inquiries are still showing."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.977707,"3704697"]},{"_index":"complaint-public-v1","_id":"3704696","_score":13.966991,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was the co signer on a Honda lease that was opened in XX/XX/XXXX. My credit report states that there were 2 late payments back to back XXXX of XXXX and XXXX of XXXX when they were not late. The primary individual on the account does not have any late payments on their credit report for this account, but I do. We have contacted Honda for them to take a look and remove the 2 late payments from me credit report and were told they submitted the information needed to do so, but almost a year later both bad inquiries are still showing. Every payment for this lease was made on time and my credit report for this loan should show the same ( all green ) as the primary signer.","date_sent_to_company":"2020-06-18T14:36:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95207","tags":null,"has_narrative":true,"complaint_id":"3704696","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN HONDA FINANCE CORP","date_received":"2020-06-18T14:24:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My <em>credit</em> <em>report</em> states that there were 2 <em>late</em> <em>payments</em> <em>back</em> to <em>back</em> XXXX of XXXX and XXXX of XXXX when they were not <em>late</em>. The primary individual on the account does not have any <em>late</em> <em>payments</em> on their <em>credit</em> <em>report</em> for this account, but I do. We have contacted Honda for them to take a look and <em>remove</em> the 2 <em>late</em> <em>payments</em> from me <em>credit</em> <em>report</em> and were told they submitted the <em>information</em> needed to do so, but almost a year <em>later</em> both bad inquiries are still showing."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.966991,"3704696"]},{"_index":"complaint-public-v1","_id":"3119052","_score":13.866842,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Lending Club keeps reporting incorrect information about late payments to my credit report. They have a different date for the 30 days late each time I dispute. I provide proof of the on time payments, it gets removed and then a month or so later they are back again reporting incorrect dates. Now they are reporting 2 late payments instead of one. This should be illegal. Its really unethical that the credit bureau companies keep reporting this information even after I show proof the payments were on time. How can someone constantly report false information?","date_sent_to_company":"2019-01-08T09:26:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77338","tags":null,"has_narrative":true,"complaint_id":"3119052","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Lending Club Corp","date_received":"2019-01-08T04:08:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Lending Club keeps <em>reporting</em> incorrect <em>information</em> about <em>late</em> <em>payments</em> to my <em>credit</em> <em>report</em>. They have a different date for the 30 days <em>late</em> each time I dispute. I provide proof of the on time <em>payments</em>, it gets <em>removed</em> and then a month or so <em>later</em> they are <em>back</em> again <em>reporting</em> incorrect dates. Now they are <em>reporting</em> 2 <em>late</em> <em>payments</em> instead of one. This should be illegal."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[13.866842,"3119052"]},{"_index":"complaint-public-v1","_id":"3119054","_score":13.855487,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX keeps reporting incorrect information about late payments to my credit report. They have a different date for the 30 days late each time I dispute. I provide proof of the on time payments, it gets removed and then a month or so later they are back again reporting incorrect dates. Now they are reporting 2 late payments instead of one. This should be illegal. Its really unethical that the credit bureau companies keep reporting this information even after I show proof the payments were on time. How can someone constantly report false information?","date_sent_to_company":"2019-01-08T09:27:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77338","tags":null,"has_narrative":true,"complaint_id":"3119054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-01-08T04:26:59.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX keeps <em>reporting</em> incorrect <em>information</em> about <em>late</em> <em>payments</em> to my <em>credit</em> <em>report</em>. They have a different date for the 30 days <em>late</em> each time I dispute. I provide proof of the on time <em>payments</em>, it gets <em>removed</em> and then a month or so <em>later</em> they are <em>back</em> again <em>reporting</em> incorrect dates. Now they are <em>reporting</em> 2 <em>late</em> <em>payments</em> instead of one. This should be illegal."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[13.855487,"3119054"]},{"_index":"complaint-public-v1","_id":"1511920","_score":13.8547735,"_source":{"product":"Credit reporting","complaint_what_happened":"This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with XXXX XXXX XXXX XXXX XXXX ). in 2012 XXXX agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. Needs to be removed.","date_sent_to_company":"2015-08-10T14:21:13.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"1511920","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2015-08-10T14:21:12.000Z","state":"MD","company_public_response":null,"sub_issue":"Account status"},"highlight":{"complaint_what_happened":["This is a new Care ( THIS IS A NEW CASE ) <em>Back</em> in 2012 on case number XXXX CFPB assisted me with XXXX XXXX XXXX XXXX XXXX ). in 2012 XXXX agreed with CFPB and myself and <em>removed</em> all the fraudulent <em>information</em> from my <em>credit</em> <em>report</em> show any <em>late</em> <em>payments</em> ( I have never been <em>late</em> ). I check again this morning and the fraudulent <em>information</em> was <em>back</em> on my <em>report</em>. Needs to be <em>removed</em>."],"product":["<em>Credit</em> reporting"],"issue":["Incorrect <em>information</em> on <em>credit</em> <em>report</em>"]},"sort":[13.8547735,"1511920"]},{"_index":"complaint-public-v1","_id":"2175697","_score":13.826103,"_source":{"product":"Credit card","complaint_what_happened":"I had disputed a late payment in 2012 with capital one account ending in XXXX. I had done this before but never took the time to look into the statements or billing information until now. I uploaded all of the information I had and got notification that I was indeed correct and the 1 late payment would be removed. However it got removed off of XXXX ad then put back on. When I spoke with the rep. He said that I would have to dispute it again because the next billing cycle was updated and the credit card company is still showing the one late payment. I thought that was the purpose of disputing to have the incorrect information removed not put back on every time the credit card reports your payments. I am a single mom who is working full time and going to school. I have put a lot of time and effort into this dispute to now have to do this all over again. Please help me.Sincerely XXXX","date_sent_to_company":"2016-10-24T20:44:02.000Z","issue":"Other","sub_product":null,"zip_code":"01906","tags":null,"has_narrative":true,"complaint_id":"2175697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2016-10-24T20:44:01.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I had disputed a <em>late</em> <em>payment</em> in 2012 with capital one account ending in XXXX. I had done this before but never took the time to look into the statements or billing <em>information</em> until now. I uploaded all of the <em>information</em> I had and got notification that I was indeed correct and the 1 <em>late</em> <em>payment</em> would be <em>removed</em>. However it got <em>removed</em> off of XXXX ad then put <em>back</em> on. When I spoke with the rep."],"product":["<em>Credit</em> card"]},"sort":[13.826103,"2175697"]},{"_index":"complaint-public-v1","_id":"3229726","_score":13.783975,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I requested a deferred payment on this account. I was granted a deferred payment. On the credit report it reflects a A late payment on this account. I have never been late on this account. I have asked this company to go back and find the original information that reflects the late payment. This account would have reflected a do a deferred payment. All I have requested was have the late payment removed from this account. Please research my request in it will reflect that the late payment is the different payment I requested. I have rose several of letters in contacted your company. Please removed from all the agencies.","date_sent_to_company":"2019-05-02T07:22:39.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"75771","tags":null,"has_narrative":true,"complaint_id":"3229726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2019-05-02T07:11:58.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["I requested a deferred <em>payment</em> on this account. I was granted a deferred <em>payment</em>. On the <em>credit</em> <em>report</em> it reflects a A <em>late</em> <em>payment</em> on this account. I have never been <em>late</em> on this account. I have asked this company to go <em>back</em> and find the original <em>information</em> that reflects the <em>late</em> <em>payment</em>. This account would have reflected a do a deferred <em>payment</em>. All I have requested was have the <em>late</em> <em>payment</em> <em>removed</em> from this account."]},"sort":[13.783975,"3229726"]},{"_index":"complaint-public-v1","_id":"4175679","_score":13.753653,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tirelessly contacted the bank. Ive even contacted Experian but Experian still has inaccurate information on my report. XXXX XXXX tells me they cant see back to XXXX and cant remove the late payments. But I can see back to XXXX through my statements. \nIve told them I have proof of payment via transfer directly to credit card & yet on Experian this XXXX and XXXX days late as of today it has not been removed. \nThis is harmful and is becoming seemingly malicious.","date_sent_to_company":"2021-03-02T05:58:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"4175679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-03-02T00:58:48.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Ive even contacted Experian but Experian still has inaccurate <em>information</em> on my <em>report</em>. XXXX XXXX tells me they cant see <em>back</em> to XXXX and cant <em>remove</em> the <em>late</em> <em>payments</em>. But I can see <em>back</em> to XXXX through my statements. \nIve told them I have proof of <em>payment</em> via transfer directly to <em>credit</em> card & yet on Experian this XXXX and XXXX days <em>late</em> as of today it has not been <em>removed</em>. \nThis is harmful and is becoming seemingly malicious."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.753653,"4175679"]},{"_index":"complaint-public-v1","_id":"4953484","_score":13.741786,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello XXXX. I am reaching out again because DEPT OF ED/NELNET Netnet did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from Nelnet. Nelnet has incomplete accounts numbers -showing partial account numbers. Some are showing XXXX days back-to-back, while some say XXXX then back to XXXX back to XXXX the XXXX days late. I have requested under law fix this by removing this erroneous information. I am at my last rope. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. \nThere is also payment as if I had paid on some of the accounts. This is also not true. \nXXXX impartial accounts and all three credit reports XXXX different amounts and dates on all three credit reports XXXX causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. \nXXXX. When making the attempt to write DEPT OF ED/NELNET is showing XXXX different addresses? \nHow was this information verified, crossed reference? How? \nI received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. \ndifferent dates, different amounts, different actions. \nBecause of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this. \nI am really needing help. \nThank you for reading. \nXXXX XXXX XXXX","date_sent_to_company":"2021-12-06T15:08:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94578","tags":null,"has_narrative":true,"complaint_id":"4953484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2021-11-29T07:12:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am reaching out again because DEPT OF ED/NELNET Netnet did not correct the errors and they are <em>reporting</em> on the <em>credit</em> <em>reports</em>. I was the process of purchasing a home and lost out of the home due to <em>late</em> <em>payments</em> from Nelnet. Nelnet has incomplete accounts numbers -showing partial account numbers. Some are showing XXXX days <em>back</em>-to-<em>back</em>, while some say XXXX then <em>back</em> to XXXX <em>back</em> to XXXX the XXXX days <em>late</em>. I have requested under law fix this by <em>removing</em> this erroneous <em>information</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.741786,"4953484"]},{"_index":"complaint-public-v1","_id":"4954483","_score":13.734028,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello CFBP. I am reaching out again because DEPT OF EDXXXXXXXX XXXX did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing 90 days back-to-back, while some say 60 then back to 30 back to 90 the 150 days late. I have requested under law fix this by removing this erroneous information. XXXX XXXX XXXX XXXX XXXX XXXX I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. \nThere is also payment as if I had paid on some of the accounts. This is also not true.\n\n1. impartial accounts and all three credit reports 2. different amounts and dates on all three credit reports 3. causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. 4. When making the attemp\nt to write DEPT OF EDXXXXXXXX is showing two different addresses? \nHow was this information verified, crossed reference? How? \nI received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. \ndifferent dates, different amounts, different actions. \nBecause of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this.\n\nI am really needing help. \nThank you for reading. \nXXXX XXXX XXXX","date_sent_to_company":"2021-11-29T08:06:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94578","tags":null,"has_narrative":true,"complaint_id":"4954483","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-11-29T08:06:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am reaching out again because DEPT OF EDXXXXXXXX XXXX did not correct the errors and they are <em>reporting</em> on the <em>credit</em> <em>reports</em>. I was the process of purchasing a home and lost out of the home due to <em>late</em> <em>payments</em> from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing 90 days <em>back</em>-to-<em>back</em>, while some say 60 then <em>back</em> to 30 <em>back</em> to 90 the 150 days <em>late</em>. I have requested under law fix this by <em>removing</em> this erroneous <em>information</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.734028,"4954483"]},{"_index":"complaint-public-v1","_id":"4954482","_score":13.734028,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello CFBP. I am reaching out again because XXXX XXXX XXXXXXXX XXXX did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing XXXX days back-to-back, while some say XXXX then back to XXXX back to XXXX the XXXX days late. I have requested under law fix this by removing this erroneous information. XXXX XXXX XXXX XXXX XXXX XXXX. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. \nThere is also payment as if I had paid on some of the accounts. This is also not true. \nXXXX impartial accounts and all XXXX credit reports XXXX. different amounts and dates on all three credit reports XXXX. causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note.\n\nXXXX. When making the attempt to write XXXX XXXX XXXXXXXX is showing two different addresses? \nHow was this information verified, crossed reference? How? \nI received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. \ndifferent dates, different amounts, different actions. \nBecause of this mismanaged information. I am requesting this be removed immediately. Not in XXXX days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all XXXX credit reporting agencies and reporting. I can afford to wait another XXXX days for this company to fix this. \nI am really needing help. \nThank you for reading. \nXXXX XXXX XXXX","date_sent_to_company":"2021-11-29T08:06:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94578","tags":null,"has_narrative":true,"complaint_id":"4954482","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-11-29T08:06:32.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am reaching out again because XXXX XXXX XXXXXXXX XXXX did not correct the errors and they are <em>reporting</em> on the <em>credit</em> <em>reports</em>. I was the process of purchasing a home and lost out of the home due to <em>late</em> <em>payments</em> from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing XXXX days <em>back</em>-to-<em>back</em>, while some say XXXX then <em>back</em> to XXXX <em>back</em> to XXXX the XXXX days <em>late</em>. I have requested under law fix this by <em>removing</em> this erroneous <em>information</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.734028,"4954482"]},{"_index":"complaint-public-v1","_id":"4954480","_score":13.734028,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello CFBP. I am reaching out again because DEPT OF EDXXXXXXXX XXXX did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing 90 days back-to-back, while some say 60 then back to 30 back to 90 the 150 days late. I have requested under law fix this by removing this erroneous information. XXXX XXXX XXXX XXXX XXXX XXXX. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. \nThere is also payment as if I had paid on some of the accounts. This is also not true.\n\n1. impartial accounts and all three credit reports 2. different amounts and dates on all three credit reports 3. causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. 4. When mak\ning the attempt to write DEPT OF EDXXXXXXXX is showing two different addresses? \nHow was this information verified, crossed reference? How? \nI received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. \ndifferent dates, different amounts, different actions.\n\nBecause of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this. \nI am really needing help. \nThank you for reading. \nXXXX XXXX XXXX","date_sent_to_company":"2021-11-29T08:06:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94578","tags":null,"has_narrative":true,"complaint_id":"4954480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-11-29T08:06:32.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am reaching out again because DEPT OF EDXXXXXXXX XXXX did not correct the errors and they are <em>reporting</em> on the <em>credit</em> <em>reports</em>. I was the process of purchasing a home and lost out of the home due to <em>late</em> <em>payments</em> from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing 90 days <em>back</em>-to-<em>back</em>, while some say 60 then <em>back</em> to 30 <em>back</em> to 90 the 150 days <em>late</em>. I have requested under law fix this by <em>removing</em> this erroneous <em>information</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.734028,"4954480"]},{"_index":"complaint-public-v1","_id":"4876095","_score":13.684368,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been in contact with fig loans on numerous occasions. Back in XXXX I got a notification that my account was past due and that they would like to work with me to get the debt settled. I contacted them only to be told there is nothing they can do to help me. I logged in around XX/XX/2021 to their website and it showed no payment due until XX/XX/2021. On the morning of XX/XX/XXXX I got a notification that fig loans reported a late payment to my credit report dropping it XXXX points. I contacted them to be told no payment is due till XX/XX/2021. Then on XX/XX/2021 the same thing happened again. Another late payment was reported to my credit report. I reached out to fig again to be told that Im not due until XX/XX/2021. Then I demanded that fig XXXX remove the late payment off my credit report and they refuse then after I told them I will be contacting CFPB, XXXX and my attorney if this wasnt fixed. Then they emailed me back saying my payments are late and that once its paid off they will remove it from my credit report. All the information is the complete opposite of what I was told previously and today. Fig loans still refuses to remove the late payments off my credit report.","date_sent_to_company":"2021-11-23T15:55:23.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"84005","tags":null,"has_narrative":true,"complaint_id":"4876095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fig Tech Inc.","date_received":"2021-11-04T18:41:02.000Z","state":"UT","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["All the <em>information</em> is the complete opposite of what I was told previously and today. Fig loans still refuses to <em>remove</em> the <em>late</em> <em>payments</em> off my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.684368,"4876095"]},{"_index":"complaint-public-v1","_id":"4876157","_score":13.676299,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been in contact with XXXXXXXX XXXX on numerous occasions. Back in XXXX I got a notification that my account was past due and that they would like to work with me to get the debt settled. I contacted them only to be told there is nothing they can do to help me. I logged in around XX/XX/2021 to their website and it showed no payment due until XX/XX/2021. On the morning of XX/XX/XXXX I got a notification that fig loans reported a late payment to my credit report dropping it XXXX points. I contacted them to be told no payment is due till XX/XX/2021. Then on XX/XX/2021 the same thing happened again. Another late payment was reported to my credit report. I reached out to XXXX again to be told that Im not due until XX/XX/2021. Then I demanded that XXXX XXXX remove the late payment off my credit report and they refuse then after I told them I will be contacting XXXX XXXX  and my attorney if this wasnt fixed. Then they emailed me back saying my payments are late and that once its paid off they will remove it from my credit report. All the information is the complete opposite of what I was told previously and today. XXXX XXXX  still refuses to remove the late payments off my credit report.","date_sent_to_company":"2021-11-22T15:26:28.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"84005","tags":null,"has_narrative":true,"complaint_id":"4876157","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-11-04T18:55:18.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["All the <em>information</em> is the complete opposite of what I was told previously and today. XXXX XXXX  still refuses to <em>remove</em> the <em>late</em> <em>payments</em> off my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.676299,"4876157"]},{"_index":"complaint-public-v1","_id":"1453246","_score":13.675245,"_source":{"product":"Credit reporting","complaint_what_happened":"I disputed some late payment information on my credit report, the results came back as valid. I then requested an investigation into these late payments and again the report states new information listed, but the same deliquent payments are being reported. I want to know how the information was investigated and what is the new information being reported when the same disputed information is being listed. If the investigation was conducted I want to know who they spoke to, what time and department. I want the deliquent payments removed because I have never been late","date_sent_to_company":"2015-07-06T21:14:38.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"11422","tags":null,"has_narrative":true,"complaint_id":"1453246","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-07-06T21:14:37.000Z","state":"NY","company_public_response":"Company chooses not to provide a public response","sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["I disputed some <em>late</em> <em>payment</em> <em>information</em> on my <em>credit</em> <em>report</em>, the results came <em>back</em> as valid. I then requested an investigation into these <em>late</em> <em>payments</em> and again the <em>report</em> states new <em>information</em> listed, but the same deliquent <em>payments</em> are being <em>reported</em>. I want to know how the <em>information</em> was investigated and what is the new <em>information</em> being <em>reported</em> when the same disputed <em>information</em> is being listed."],"product":["<em>Credit</em> reporting"],"issue":["Incorrect <em>information</em> on <em>credit</em> <em>report</em>"]},"sort":[13.675245,"1453246"]},{"_index":"complaint-public-v1","_id":"2253107","_score":13.6721325,"_source":{"product":"Credit reporting","complaint_what_happened":"Ally has reported 8 late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with transunion and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the 8 late payment entry that are reporting incorrectly removed.","date_sent_to_company":"2016-12-16T05:25:38.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"2253107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2016-12-16T05:25:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["Ally has <em>reported</em> 8 <em>late</em> <em>payments</em> on my <em>credit</em> <em>report</em> that are incorrect. 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