{"took":101,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":133,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3103344","_score":17.73237,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After doing careful research reading the FCRA laws XXXX, XXXX, and Experian are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX in bankruptcy. It appears that the \" ACCOUNT STATUS '' on each of the trade lines shows : \" DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states \" Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!","date_sent_to_company":"2018-12-19T18:44:07.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44146","tags":"Servicemember","has_narrative":true,"complaint_id":"3103344","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-12-18T15:24:36.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX in bankruptcy. It appears that the \" ACCOUNT STATUS '' on each of the trade lines shows : \" DEROGATORY ', which violates the requirements of the FCRA."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[17.73237,"3103344"]},{"_index":"complaint-public-v1","_id":"3103342","_score":17.726597,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After doing careful research reading the FCRA laws Transunion, XXXX, and XXXX are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX in bankruptcy. It appears that the \" ACCOUNT STATUS '' on each of the trade lines shows : \" DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states \" Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!","date_sent_to_company":"2018-12-19T18:22:56.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44146","tags":"Servicemember","has_narrative":true,"complaint_id":"3103342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-12-18T14:56:04.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX in bankruptcy. It appears that the \" ACCOUNT STATUS '' on each of the trade lines shows : \" DEROGATORY ', which violates the requirements of the FCRA."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[17.726597,"3103342"]},{"_index":"complaint-public-v1","_id":"3103343","_score":17.720339,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After doing careful research reading the FCRA laws XXXX, Equifax, and XXXX are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX in bankruptcy. It appears that the \" ACCOUNT STATUS '' on each of the trade lines shows : \" DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states \" Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!","date_sent_to_company":"2018-12-19T18:43:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44146","tags":"Servicemember","has_narrative":true,"complaint_id":"3103343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-12-18T15:24:36.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX in bankruptcy. It appears that the \" ACCOUNT STATUS '' on each of the trade lines shows : \" DEROGATORY ', which violates the requirements of the FCRA."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[17.720339,"3103343"]},{"_index":"complaint-public-v1","_id":"7195947","_score":16.270035,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX ( XXXX XXXX ), after settling a lawsuit for XXXX XXXXXXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & XXXX XXXX XXXX XXXX which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover XXXX predatory and purposeful mismanagement. I was working 16 hour days on the XXXX XXXX XXXX XXXX XXXX XXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. XXXX still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XXXX XXXX XXXX ), {$12000.00} ( XXXX XXXX XXXX ), {$14000.00} ( XXXX XXXX XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XXXX XXXX XXXX ), & {$1900.00} ( XXXX XXXX XXXX XXXX. Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.","date_sent_to_company":"2023-07-03T02:55:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"52001","tags":"Servicemember","has_narrative":true,"complaint_id":"7195947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-03T02:55:35.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX ( XXXX XXXX ), after settling a lawsuit for XXXX XXXXXXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[16.270035,"7195947"]},{"_index":"complaint-public-v1","_id":"17455260","_score":16.255074,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a survivor of XXXX XXXX and an individual with permanent mental health disabilities as defined under the ADA and FCRA 605C. I am submitting this complaint regarding multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), Constitutional protections, and consumer rights by the credit bureaus TransUnion, XXXX XXXX XXXX, as well as the furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nSummary of Violations and Demands : XXXX. Reporting of invalid child support debts by XXXX XXXX XXXX XXXX, which are actively under appeal ( Case No : XXXX ) and subject of a federal lawsuit for civil rights violations including unlawful garnishment of Social Security XXXX. These actions use my XXXX and trauma history as coercive mechanisms to induce debt under color of law. \nXXXX. XXXX XXXX XXXX and XXXX XXXX continue to show derogatory trade lines despite the debt being paid in full, as evidenced by a lien release and final payment of {$27000.00}. Documentation attached. \nXXXX. XXXX XXXX and XXXX XXXX are reporting inaccurate balances and derogatory statuses on paid-off accounts, with documentation attached showing full payoff and closure. \nXXXX. The credit bureaus have failed to suppress, mark as disputed, or remove these items despite prior requests, supporting documentation, and multiple FCRA and CFPB rule violations. \nI have been through this process with them for several years, even made phone calls, and they still refuse to complete a thorough investigation even when presented with evidence.","date_sent_to_company":"2025-11-23T18:13:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55033","tags":null,"has_narrative":true,"complaint_id":"17455260","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-23T18:01:54.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX and XXXX XXXX continue to show derogatory trade lines despite the debt being paid in full, as evidenced by a lien release and final payment of {$27000.00}. Documentation attached. \nXXXX. XXXX XXXX and XXXX XXXX are reporting inaccurate balances and derogatory statuses on paid-off accounts, with documentation attached showing full payoff and closure. \nXXXX."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[16.255074,"17455260"]},{"_index":"complaint-public-v1","_id":"7195948","_score":16.237112,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX ( XXXX XXXX ), after settling a lawsuit for $ XXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & serving in US military which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover XXXX predatory and purposeful mismanagement. I was working XXXX hour days on the XXXX XXXX of XXXX XXXX XXXXXXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. XXXX still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XX/XX/XXXX ), {$12000.00} ( XX/XX/XXXX ), {$14000.00} ( XX/XX/XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XX/XX/XXXX ), & {$1900.00} ( XX/XX/XXXX ). Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.","date_sent_to_company":"2023-07-03T02:55:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"52001","tags":"Servicemember","has_narrative":true,"complaint_id":"7195948","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-03T02:55:35.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX ( XXXX XXXX ), after settling a lawsuit for $ XXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[16.237112,"7195948"]},{"_index":"complaint-public-v1","_id":"7196103","_score":16.18604,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Navient ( Sallie Mae ), after settling a lawsuit for $ XXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & serving in US military which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover Navients predatory and purposeful mismanagement. I was working 16 hour days on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. Navient still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XX/XX/XXXX ), {$12000.00} ( XX/XX/XXXX ), {$14000.00} ( XX/XX/XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XX/XX/XXXX ), & {$1900.00} ( XX/XX/XXXX ). Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.","date_sent_to_company":"2023-07-03T02:55:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"52001","tags":"Servicemember","has_narrative":true,"complaint_id":"7196103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2023-07-03T00:29:04.000Z","state":"IA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Navient ( Sallie Mae ), after settling a lawsuit for $ XXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[16.18604,"7196103"]},{"_index":"complaint-public-v1","_id":"14244172","_score":15.525592,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Immediate Demand for Full Investigation and Permanent Deletion of Derogatory Credit Entries To Whom It May Concern, This letter serves as a formal and final demand for the immediate investigation and removal of inaccurate, derogatory, and unverifiable accounts from my credit reports. These accounts are being reported without proper legal proof of ownership, and unless original signed contracts are produced, I affirm that these debts are not mine and must be deleted immediately.\n\nI am exercising my full rights under the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). \n________________________________________ Accounts in Dispute : 1. XXXX Credit Bureaus : TransUnion, Experian, Equifax Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$260.00} Status : Open Demand : I challenge the validity of this debt. If XXXX can not produce an original, signed contract, I affirm this debt is not mine and must be removed immediately. \n________________________________________ 2. XXXX XXXX XXXX XXXXXXXX XXXX Credit Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} | Past Due : {$2700.00} Status : Closed / Derogatory Demand : I dispute ownership and liability. Unless you provide a signed agreement and complete account history, this account does not belong to me and must be deleted from my file. \n________________________________________ 3. XXXX XXXX Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} Status : Charged Off Demand : This account appears without validation. If no signed, original contract is provided, I confirm that this is not my debt and demand immediate deletion. \n________________________________________ 4. XXXX XXXX Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Status : Closed / Derogatory Comments Demand : Though this account is closed with a XXXX balance, it still reflects negatively. I demand it be deleted or corrected immediately, unless proof of contractual obligation and derogatory justification is provided. \n________________________________________ Legal Grounds : FCRA 1681e ( b ) : Requires all information to be reported with the maximum possible accuracy.\n\nFCRA 1681i ( a ) ( 5 ) ( A ) : Any item that can not be verified must be deleted.\n\nFCRA 609 ( a ) ( 1 ) ( A ) and 611 : I have the legal right to demand proof of any\nreported account.\n\nFDCPA 1692g ( b ) : Collectors must cease reporting if they can not validate the debt upon request.\n\nIf you can not provide signed contractual evidence, these accounts are not mine. Continuing to report them will be treated as intentional defamation, negligence, and willful noncompliance.\n\n________________________________________ Required Action : 1. Full Deletion : Any disputed item not supported by a signed, original contract must be deleted from all credit reports immediately.\n\n2. Proof of Investigation : Provide written results and evidence used for verification.\n\n3. 30-Day Compliance : Act within 30 calendar days as required by federal law.\n\n________________________________________ I will not accept vague confirmations from furnishers. Only concrete proofsigned contracts and statementswill satisfy your duty to verify. Anything less is unlawful.\n\nFailure to comply will result in immediate escalation to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney General A formal lawsuit seeking actual, statutory, and punitive damages under FCRA 1681n and 1681o and FDCPA 1692k. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-23T18:48:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33068","tags":null,"has_narrative":true,"complaint_id":"14244172","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-23T18:48:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Status : Closed / Derogatory Comments Demand : Though this account is closed with a XXXX balance, it still reflects negatively. I demand it be deleted or corrected immediately, unless proof of contractual obligation and derogatory justification is provided. \n________________________________________ Legal Grounds : FCRA 1681e ( b ) : Requires all information to be reported with the maximum possible accuracy."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.525592,"14244172"]},{"_index":"complaint-public-v1","_id":"14244173","_score":15.5203,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Immediate Demand for Full Investigation and Permanent Deletion of Derogatory Credit Entries To Whom It May Concern, This letter serves as a formal and final demand for the immediate investigation and removal of inaccurate, derogatory, and unverifiable accounts from my credit reports. These accounts are being reported without proper legal proof of ownership, and unless original signed contracts are produced, I affirm that these debts are not mine and must be deleted immediately.\n\nI am exercising my full rights under the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). \n________________________________________ Accounts in Dispute : 1. XXXX Credit Bureaus : TransUnion, Experian, Equifax Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$260.00} Status : Open Demand : I challenge the validity of this debt. If XXXX can not produce an original, signed contract, I affirm this debt is not mine and must be removed immediately. \n________________________________________ 2. XXXX XXXX XXXX XXXXXXXX XXXX Credit Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} | Past Due : {$2700.00} Status : Closed / Derogatory Demand : I dispute ownership and liability. Unless you provide a signed agreement and complete account history, this account does not belong to me and must be deleted from my file. \n________________________________________ 3. XXXX XXXX Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} Status : Charged Off Demand : This account appears without validation. If no signed, original contract is provided, I confirm that this is not my debt and demand immediate deletion. \n________________________________________ 4. XXXX XXXX Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Status : Closed / Derogatory Comments Demand : Though this account is closed with a XXXX balance, it still reflects negatively. I demand it be deleted or corrected immediately, unless proof of contractual obligation and derogatory justification is provided. \n________________________________________ Legal Grounds : FCRA 1681e ( b ) : Requires all information to be reported with the maximum possible accuracy.\n\nFCRA 1681i ( a ) ( 5 ) ( A ) : Any item that can not be verified must be deleted.\n\nFCRA 609 ( a ) ( 1 ) ( A ) and 611 : I have the legal right to demand proof of any\nreported account.\n\nFDCPA 1692g ( b ) : Collectors must cease reporting if they can not validate the debt upon request.\n\nIf you can not provide signed contractual evidence, these accounts are not mine. Continuing to report them will be treated as intentional defamation, negligence, and willful noncompliance.\n\n________________________________________ Required Action : 1. Full Deletion : Any disputed item not supported by a signed, original contract must be deleted from all credit reports immediately.\n\n2. Proof of Investigation : Provide written results and evidence used for verification.\n\n3. 30-Day Compliance : Act within 30 calendar days as required by federal law.\n\n________________________________________ I will not accept vague confirmations from furnishers. Only concrete proofsigned contracts and statementswill satisfy your duty to verify. Anything less is unlawful.\n\nFailure to comply will result in immediate escalation to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney General A formal lawsuit seeking actual, statutory, and punitive damages under FCRA 1681n and 1681o and FDCPA 1692k. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-23T18:48:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33068","tags":null,"has_narrative":true,"complaint_id":"14244173","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-23T18:48:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Status : Closed / Derogatory Comments Demand : Though this account is closed with a XXXX balance, it still reflects negatively. I demand it be deleted or corrected immediately, unless proof of contractual obligation and derogatory justification is provided. \n________________________________________ Legal Grounds : FCRA 1681e ( b ) : Requires all information to be reported with the maximum possible accuracy."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.5203,"14244173"]},{"_index":"complaint-public-v1","_id":"14242630","_score":15.5203,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Immediate Demand for Full Investigation and Permanent Deletion of Derogatory Credit Entries To Whom It May Concern, This letter serves as a formal and final demand for the immediate investigation and removal of inaccurate, derogatory, and unverifiable accounts from my credit reports. These accounts are being reported without proper legal proof of ownership, and unless original signed contracts are produced, I affirm that these debts are not mine and must be deleted immediately.\n\nI am exercising my full rights under the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). \n________________________________________ Accounts in Dispute : 1. XXXX Credit Bureaus : TransUnion, Experian, Equifax Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$260.00} Status : Open Demand : I challenge the validity of this debt. If XXXX can not produce an original, signed contract, I affirm this debt is not mine and must be removed immediately. \n________________________________________ 2. XXXX XXXX XXXX XXXXXXXX XXXX Credit Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} | Past Due : {$2700.00} Status : Closed / Derogatory Demand : I dispute ownership and liability. Unless you provide a signed agreement and complete account history, this account does not belong to me and must be deleted from my file. \n________________________________________ 3. XXXX XXXX Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} Status : Charged Off Demand : This account appears without validation. If no signed, original contract is provided, I confirm that this is not my debt and demand immediate deletion. \n________________________________________ 4. XXXX XXXX Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Status : Closed / Derogatory Comments Demand : Though this account is closed with a XXXX balance, it still reflects negatively. I demand it be deleted or corrected immediately, unless proof of contractual obligation and derogatory justification is provided. \n________________________________________ Legal Grounds : FCRA 1681e ( b ) : Requires all information to be reported with the maximum possible accuracy.\n\nFCRA 1681i ( a ) ( 5 ) ( A ) : Any item that can not be verified must be deleted.\n\nFCRA 609 ( a ) ( 1 ) ( A ) and 611 : I have the legal right to demand proof of any\nreported account.\n\nFDCPA 1692g ( b ) : Collectors must cease reporting if they can not validate the debt upon request.\n\nIf you can not provide signed contractual evidence, these accounts are not mine. Continuing to report them will be treated as intentional defamation, negligence, and willful noncompliance.\n\n________________________________________ Required Action : 1. Full Deletion : Any disputed item not supported by a signed, original contract must be deleted from all credit reports immediately.\n\n2. Proof of Investigation : Provide written results and evidence used for verification.\n\n3. 30-Day Compliance : Act within 30 calendar days as required by federal law.\n\n________________________________________ I will not accept vague confirmations from furnishers. Only concrete proofsigned contracts and statementswill satisfy your duty to verify. Anything less is unlawful.\n\nFailure to comply will result in immediate escalation to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney General A formal lawsuit seeking actual, statutory, and punitive damages under FCRA 1681n and 1681o and FDCPA 1692k. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-23T18:48:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33068","tags":null,"has_narrative":true,"complaint_id":"14242630","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-23T18:39:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX Bureaus : All 3 Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Status : Closed / Derogatory Comments Demand : Though this account is closed with a XXXX balance, it still reflects negatively. I demand it be deleted or corrected immediately, unless proof of contractual obligation and derogatory justification is provided. \n________________________________________ Legal Grounds : FCRA 1681e ( b ) : Requires all information to be reported with the maximum possible accuracy."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.5203,"14242630"]},{"_index":"complaint-public-v1","_id":"10261959","_score":15.463465,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Credit Report Violations and Repossession Procedures for Account # XXXX Dear CFPB Representative, I am writing to formally submit a complaint regarding inaccurate reporting of a repossession on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). Below are the details of the violations, supported by recent legal actions taken against XXXX XXXX XXXX ( XXXX ) : Inaccurate Reporting Post-Repossession : My credit report from [ XXXX XXXX XXXX ] inaccurately shows a repossession on my auto loan account, listed under Account # XXXX, with an original balance of {$20000.00}. According to the FCRA and case law such as XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies are required to ensure that the information they report is accurate. My credit report should reflect the accurate balance remaining after the sale of the repossessed vehicle. The current balance has not been adjusted accordingly, which is a violation of this requirement. \n\nFailure to Properly Address My Dispute : I submitted a dispute regarding the inaccurate reporting of this account on [ Date ]. Despite the dispute, the information on my credit report has not been corrected, in violation of Section 623 of the FCRA. Additionally, the case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), supports the argument that credit reporting agencies are liable when they fail to conduct reasonable investigations into disputed accounts. No investigation results have been shared with me, and the inaccuracies remain, making this a clear violation of the FCRA.\n\nUCC Compliance Violations : According to UCC 9-611 and 9-614, I should have received a notice of repossession and an explanation regarding the sale of my vehicle, including any remaining balance. The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, addresses the importance of proper notification under XXXX guidelines. I did not receive any such notice or communication, which is a violation of the UCC and related case law.\n\nFailure to Update Payment Status : The account is still reported with derogatory status, and the creditor has failed to update the account with the correct balance post-repossession sale, in violation of the FCRA 's requirement for accurate and timely reporting. This also violates the precedent set in XXXX XXXX Trans Union XXXX, as credit reporting agencies and creditors must ensure that the information reported is continuously accurate. \n\nSupport from Recent Legal Actions Against XXXX XXXX XXXX ( XXXX ) : In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX Attorney General ( XXXX ) filed a lawsuit against XXXX, accusing the company of predatory lending practices and deceptive acts that led many consumers to repossession and financial distress. The lawsuit specifically highlights that XXXX knowingly issued loans with high interest rates, concealed the true cost of the loans, and set up borrowers to fail by providing loans they could not afford to repay. As a result, many consumers faced repossessions, lawsuits, and aggressive debt collection tactics ( Consumer Financial Protection Bureau ) ( Consumer Financial Protection Bureau ) ( XXXX XXXX XXXX XXXX ). \n\nThis lawsuit demonstrates a clear pattern of unfair and deceptive practices by CAC, which mirrors the issues I am facing with my repossession and the inaccurate reporting on my credit file. The CFPB and XXXX 's ongoing case against XXXX supports my claim that CACs practices are predatory, unfair, and deceptive, and that their reporting of my repossession is likely part of these same violations. \n\nRequested Action : I request that the CFPB investigate these violations and instruct the credit reporting agencies and the creditor to : Update the balance on my credit report to accurately reflect the post-sale amount for Account # XXXX. \nRemove any inaccurate derogatory status. \nEnsure XXXX compliance regarding notifications and documentation of repossession. \nI look forward to your assistance in resolving this matter. Please contact me at [ Your Contact Information ] if any additional information is needed. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-09-26T16:03:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08401","tags":null,"has_narrative":true,"complaint_id":"10261959","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-26T16:02:54.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to Update Payment Status : The account is still reported with derogatory status, and the creditor has failed to update the account with the correct balance post-repossession sale, in violation of the FCRA 's requirement for accurate and timely reporting. This also violates the precedent set in XXXX XXXX Trans Union XXXX, as credit reporting agencies and creditors must ensure that the information reported is continuously accurate."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.463465,"10261959"]},{"_index":"complaint-public-v1","_id":"10253967","_score":15.462906,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Credit Report Violations and Repossession Procedures for Account # XXXX Dear CFPB Representative, I am writing to formally submit a complaint regarding inaccurate reporting of a repossession on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). Below are the details of the violations, supported by recent legal actions taken against XXXX XXXX XXXX ( XXXX ) : Inaccurate Reporting Post-Repossession : My credit report from [ XXXX XXXX XXXX ] inaccurately shows a repossession on my auto loan account, listed under Account # XXXX, with an original balance of {$20000.00}. According to the FCRA and case law such as XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3rd Cir. 1997 ), credit reporting agencies are required to ensure that the information they report is accurate. My credit report should reflect the accurate balance remaining after the sale of the repossessed vehicle. The current balance has not been adjusted accordingly, which is a violation of this requirement. \n\nFailure to Properly Address My Dispute : I submitted a dispute regarding the inaccurate reporting of this account on [ Date ]. Despite the dispute, the information on my credit report has not been corrected, in violation of Section 623 of the FCRA. Additionally, the case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), supports the argument that credit reporting agencies are liable when they fail to conduct reasonable investigations into disputed accounts. No investigation results have been shared with me, and the inaccuracies remain, making this a clear violation of the FCRA. \n\nUCC Compliance Violations : According to UCC 9-611 and 9-614, I should have received a notice of repossession and an explanation regarding the sale of my vehicle, including any remaining balance. The case XXXX v. XXXX. of the XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), addresses the importance of proper notification under XXXX guidelines. I did not receive any such notice or communication, which is a violation of the XXXX and related case law. \n\nFailure to Update Payment Status : The account is still reported with derogatory status, and the creditor has failed to update the account with the correct balance post-repossession sale, in violation of the FCRA 's requirement for accurate and timely reporting. This also violates the precedent set in XXXX XXXX XXXX XXXX XXXX, as credit reporting agencies and creditors must ensure that the information reported is continuously accurate. \n\nSupport from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) and the New York Attorney General ( XXXX ) filed a lawsuit againsXXXX XXXX, accusing the company of predatory lending practices and deceptive acts that led many consumers to repossession and financial distress. The lawsuit specifically highlights that XXXX knowingly issued loans with high interest rates, concealed the true cost of the loans, and set up borrowers to fail by providing loans they could not afford to repay. As a result, many consumers faced repossessions, lawsuits, and aggressive debt collection tactics ( Consumer Financial Protection Bureau ) ( Consumer Financial Protection Bureau ) ( XXXX XXXX XXXX XXXX ). \n\nThis lawsuit demonstrates a clear pattern of unfair and deceptive practices by XXXX, which mirrors the issues I am facing with my repossession and the inaccurate reporting on my credit file. The CFPB and XXXX 's ongoing case against XXXX supports my claim that XXXX practices are predatory, unfair, and deceptive, and that their reporting of my repossession is likely part of these same violations. \n\nRequested Action : I request that the CFPB investigate these violations and instruct the credit reporting agencies and the creditor to : Update the balance on my credit report to accurately reflect the post-sale amount for Account # XXXX. \nRemove any inaccurate derogatory status. \nEnsure XXXX compliance regarding notifications and documentation of repossession. \nI look forward to your assistance in resolving this matter. Please contact me at [ Your Contact Information ] if any additional information is needed. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-09-26T16:03:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08401","tags":null,"has_narrative":true,"complaint_id":"10253967","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-26T16:02:54.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to Update Payment Status : The account is still reported with derogatory status, and the creditor has failed to update the account with the correct balance post-repossession sale, in violation of the FCRA 's requirement for accurate and timely reporting. This also violates the precedent set in XXXX XXXX XXXX XXXX XXXX, as credit reporting agencies and creditors must ensure that the information reported is continuously accurate."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[15.462906,"10253967"]},{"_index":"complaint-public-v1","_id":"17900195","_score":15.295938,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern : This letter is a formal 7-day demand under the Fair Credit Reporting Act requiring Equifax to verify or delete the inaccurate, outdated, and unverifiable accounts listed below. The information reporting on my Equifax file violates : FCRA 602 ( A ) Maximum possible accuracy FCRA 607 ( b ) Failure to assure accuracy FCRA 611 ( a ) ( 1 ) ( A ) Duty to investigate FCRA 611 ( a ) ( 5 ) ( A ) Mandatory deletion of unverifiable information FCRA 605 ( a ) Time limits for reporting derogatory information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate data The CFPB lawsuit against Equifax ( 2023 ) further demonstrates their repeated history of failing to investigate disputes and allowing inaccurate information to remain on consumer reports. I am holding Equifax to all federal requirements. \n\n\nACCOUNTS REQUIRING IMMEDIATE DELETION XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported : XX/XX/XXXX Highest Balance : {$190.00} Reported On-time Payment Rate : 1 % ( factually impossible on a closed/paid loan ) Violations : FCRA 605 ( a ) ( 4 ) Derogatory information may not be reported after 7 years ( This account is nearly 10 years old, and any derogatory marks MUST be removed. ) FCRA 607 ( b ) Reporting inaccurate on-time rate FCRA 611 ( a ) Incorrect reinvestigation procedures FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate payment history Demand : This account is WELL PAST the 7-year reporting period.\n\nYou must delete the entire tradeline immediately.\n\nIf Equifax can not verify its accuracy within 7 days, the FCRA requires deletion. \n\nXXXX XXXX XXXX XXXX XXXX XXXX ( Transferred, Charge-Off ) Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Status : Charge-off + Transferred Payment history showing late mark ( s ) beyond legal timeframe Problems Identified : Account is still reporting charge-off derogatories past the legal limit Payment history shows 0/0/1 ( 90+ days late ) without proper date sequence Transferred accounts can not continue reporting derogatory marks Equifax is reporting payment history for years after closure , which is not possible Violations : FCRA 605 ( a ) Reporting obsolete derogatory information FCRA 607 ( b ) Failure to maintain accurate reporting FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Illegal re-aging of delinquency dates FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate status after transfer Demand : I request full documentation establishing : 1. The correct DOFD ( Date of First Delinquency ) 2. Proof no illegal re-aging occurred 3. Proof of derogatory reporting authority after transfer If Equifax can not provide documentation within 7 days, this account must be deleted completely.","date_sent_to_company":"2025-12-09T22:17:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"347XX","tags":null,"has_narrative":true,"complaint_id":"17900195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-09T22:14:29.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX ( Transferred, Charge-Off ) Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Status : Charge-off + Transferred Payment history showing late mark ( s ) beyond legal timeframe Problems Identified : Account is still reporting charge-off derogatories past the legal limit Payment history shows 0/0/1 ( 90+ days late ) without proper date sequence Transferred accounts can not continue reporting derogatory marks Equifax is reporting payment history for years"]},"sort":[15.295938,"17900195"]},{"_index":"complaint-public-v1","_id":"17899646","_score":15.280859,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"o Whom It May Concern : This letter is a formal 7-day demand under the Fair Credit Reporting Act requiring Equifax to verify or delete the inaccurate, outdated, and unverifiable accounts listed below. The information reporting on my Equifax file violates : FCRA 602 ( A ) Maximum possible accuracy FCRA 607 ( b ) Failure to assure accuracy FCRA 611 ( a ) ( 1 ) ( A ) Duty to investigate FCRA 611 ( a ) ( 5 ) ( A ) Mandatory deletion of unverifiable information FCRA 605 ( a ) Time limits for reporting derogatory information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate data The CFPB lawsuit against Equifax ( XXXX ) further demonstrates their repeated history of failing to investigate disputes and allowing inaccurate information to remain on consumer reports. I am holding Equifax to all federal requirements. \n\n\n\n\n\nACCOUNTS REQUIRING IMMEDIATE DELETION XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported : XX/XX/XXXX Highest Balance : {$190.00} Reported On-time Payment Rate : 1 % ( factually impossible on a closed/paid loan ) Violations : FCRA 605 ( a ) ( 4 ) Derogatory information may not be reported after 7 years ( This account is nearly 10 years old, and any derogatory marks MUST be removed. ) FCRA 607 ( b ) Reporting inaccurate on-time rate FCRA 611 ( a ) Incorrect reinvestigation procedures FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate payment history Demand : This account is WELL PAST the 7-year reporting period. \n\nYou must delete the entire tradeline immediately. \n\n\n\nIf Equifax can not verify its accuracy within 7 days, the FCRA requires deletion. \n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX ( Transferred, Charge-Off ) Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Status : Charge-off + Transferred Payment history showing late mark ( s ) beyond legal timeframe Problems Identified : Account is still reporting charge-off derogatories past the legal limit Payment history shows XXXX ( 90+ days late ) without proper date sequence Transferred accounts can not continue reporting derogatory marks Equifax is reporting payment history for years after closure , which is not possible Violations : FCRA 605 ( a ) Reporting obsolete derogatory information FCRA 607 ( b ) Failure to maintain accurate reporting FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Illegal re-aging of delinquency dates FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate status after transfer Demand : I request full documentation establishing : The correct DOFD ( Date of First Delinquency ) Proof no illegal re-aging occurred Proof of derogatory reporting authority after transfer If Equifax can not provide documentation within 7 days, this account must be deleted completely.","date_sent_to_company":"2025-12-09T22:02:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"347XX","tags":null,"has_narrative":true,"complaint_id":"17899646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-09T21:59:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX ( Transferred, Charge-Off ) Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Status : Charge-off + Transferred Payment history showing late mark ( s ) beyond legal timeframe Problems Identified : Account is still reporting charge-off derogatories past the legal limit Payment history shows XXXX ( 90+ days late ) without proper date sequence Transferred accounts can not continue reporting derogatory marks Equifax is reporting payment history for years"],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[15.280859,"17899646"]},{"_index":"complaint-public-v1","_id":"15087059","_score":15.270658,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Tracking Numbers (Certified Mail):XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Dispute Letter Mailed: XXXX XXXX XXXX am filing this complaint against XXXX for violating the Fair Credit Reporting Act (FCRA), specificallyXXXX15 U.S.C. 1681e(b) failure to maintain maximum possible accuracXXXX15 U.S.C. 1681i(a)(5) failure to delete or correct inaccurate or unverifiable informationXXXXOn XXXX XXXX XXXX I mailed a formal dispute to XXXX via certified mail (tracking numbers listed above). The dispute letter outlined numerous inaccurate, misleading, and inconsistent tradelines. Some of these accounts are also currently involved in active litigation, which is not being reported creating a material omission. Supporting documentation, including court summonses, was enclosed.XXXX Disputed Accounts with XXXX XXXX XXXXAccount is subject of active litigation (XXXX XXXX XXXX XXXX XXXX Case No. XXXX reports charged off / $XXXX balance but fails to include litigation status.XXXXThis omission renders the reporting materially misleading and incomplete under 1681e(b)XXXX XXXX XXXXAlso involved in litigation (Case No. XXXX shows it as charged off without referencing ongoing lawsuitXXXXNo dispute notation is applied despite active case.XXXX XXXX XXXX (Ending in XXXXStatus shown as Repossession in XXXX reports Collection/Chargeoff these are mutually exclusive statusesXXXXInconsistency across CRAs = failure to maintain accurate filesXXXX XXXX XXXXDiscrepancy in dispute status, date of first delinquency, and high credit fieldsXXXXDispute status is either missing or resolved inconsistently across CRAsXXXX XXXX XXXX XXXX XXXXCredit limit and charge-off amount do not match those reported by XXXXDispute notations may be missing or inconsistenXXXX XXXX XXXX XXXX XXXX XXXX XXXX Shows Dispute resolved; customer disagreesXXXX: Missing dispute notation altogetherXXXXDispute comments are inconsistent and misleadingXXXXXXXX XXXX (Ending in XXXX reports balance and charge-off, but date last reported differs from XXXX and XXXXDispute resolved comment added, but terminology is inconsistenXXXX XXXX XXXX XXXXEnding in XXXXStatus: Derogatory, Balance: $XXXXReporting derogatory status after $XXXX balance raises questions under FCRA.XXXXDispute notation reads: Dispute resolved; customer disagrees, but XXXX omits this notXXXX XXXX XXXX XXXX reports high credit = $XXXX, which is inaccurate since credit limit is $XXXXDispute notation is not visible; reporting appears incompleteXXXX XXXX (Ending in XXXX shows $XXXX past due; XXXX shows $XXXX past due.XXXX reports high credit of $XXXX, which contradicts real account behavior.XXXXPOSSIBLEFINA (Ending in XXXXStatus charged off but with $XXXX balancXXXXNo indication of whether balance is collectible, paid, or soldXXXX XXXX XXXX XXXXStatus: Paid but tradeline still negatively impacts credit reportXXXXClosure reason not clearly reported.XXXX Summary of ViolationsXXXXFailure to report account in litigation for XXXX and XXXXInconsistent or contradictory information across CRAs on balance, status, and dateXXXXFailure to mark accounts as disputed during ongoing disputesXXXXNo supporting documentation has been provided in response to mailed disputeXXXXNo reinvestigation results have been sent as required by 1681i(a)'","date_sent_to_company":"2025-08-06T02:22:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90029","tags":null,"has_narrative":true,"complaint_id":"15087059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Possible Financial Inc","date_received":"2025-08-06T02:22:29.000Z","state":"CA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":[": Derogatory, Balance: $XXXXReporting derogatory status after $XXXX balance raises questions under FCRA.XXXXDispute notation reads: Dispute resolved; customer disagrees, but XXXX omits this notXXXX XXXX XXXX XXXX reports high credit = $XXXX, which is inaccurate since credit limit is $XXXXDispute notation is not visible; reporting appears incompleteXXXX XXXX (Ending in XXXX shows $XXXX past due; XXXX shows $XXXX past due.XXXX reports high credit of $XXXX, which contradicts real account behavior.XXXXPOSSIBLEFINA"],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"sub_issue":["Account status incorrect"]},"sort":[15.270658,"15087059"]},{"_index":"complaint-public-v1","_id":"15087371","_score":14.821518,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'Tracking Numbers (Certified Mail):XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Dispute Letter Mailed: XXXX XXXX XXXX am filing this complaint against TransUnion for violating the Fair Credit Reporting Act (FCRA), specificallyXXXX15 U.S.C. 1681e(b) failure to maintain maximum possible accuracyXXXX15 U.S.C. 1681i(a)(5) failure to delete or correct inaccurate or unverifiable informationXXXX XXXX XXXX XXXX I mailed a formal dispute to TransUnion via certified mail (tracking numbers listed above). The dispute letter outlined numerous inaccurate, misleading, and inconsistent tradelines. Some of these accounts are also currently involved in active litigation, which is not being reported creating a material omission. Supporting documentation, including court summonses, was enclosedXXXX Disputed Accounts with TransUnion:XXXX XXXX XXXXAccount is subject of active litigation XXXX XXXX XXXX XXXX XXXX, Case No. XXXXTransUnion reports charged off / $XXXX balance but fails to include litigation statusXXXXThis omission renders the reporting materially misleading and incomplete under 1681e(b)XXXX XXXXXXXX XXXXAlso involved in litigation (Case No. XXXXTransUnion shows it as charged off without referencing ongoing lawsuit.XXXXNo dispute notation is applied despite active caseXXXX XXXX XXXX (Ending in XXXXXXXXStatus shown as Repossession in TransUnionXXXX reports Collection/Chargeoff these are mutually exclusive statusesXXXXInconsistency across CRAs = failure to maintain accurate filesXXXX XXXX XXXXDiscrepancy in dispute status, date of first delinquency, and high credit fieldsXXXXDispute status is either missing or resolved inconsistently across CRAsXXXX XXXX XXXX XXXX XXXXCredit limit and charge-off amount do not match those reported by XXXXDispute notations may be missing or inconsistentXXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion: Shows Dispute resolved; customer disagreesXXXX Missing dispute notation altogetherXXXXDispute comments are inconsistent and misleading.XXXX XXXX (Ending in XXXXTransUnion reports balance and charge-off, but date last reported differs from XXXX and XXXXDispute resolved comment added, but terminology is inconsistent.XXXX XXXX XXXX XXXXEnding in XXXXStatus: Derogatory, Balance: $XXXXXXXXReporting derogatory status after $XXXX balance raises questions under FCRAXXXXDispute notation reads: Dispute resolved; customer disagrees, but XXXX omits this note.XXXX XXXX XXXX XXXXTransUnion reports high credit = $XXXX, which is inaccurate since credit limit is $XXXXXXXXDispute notation is not visible; reporting appears incompleteXXXX XXXX (Ending in XXXXXXXXTransUnion shows $XXXX past due; XXXX shows $XXXX past dueXXXX reports high credit of $XXXX, which contradicts real account behaviorXXXX (Ending in XXXXStatus charged off but with $XXXX balanceXXXXNo indication of whether balance is collectible, paid, or soldXXXX XXXX XXXX XXXXStatus: Paid but tradeline still negatively impacts credit reportXXXXClosure reason not clearly reportedXXXX Summary of Violations:XXXXFailure to report account in litigation for XXXX and XXXXInconsistent or contradictory information across CRAs on balance, status, and datesXXXXFailure to mark accounts as disputed during ongoing disputesXXXXNo supporting documentation has been provided in response to mailed disputeXXXXNo reinvestigation results have been sent as required by 1681i(a)'","date_sent_to_company":"2025-08-06T02:22:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90029","tags":null,"has_narrative":true,"complaint_id":"15087371","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-06T02:12:59.000Z","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":["is inconsistent.XXXX XXXX XXXX XXXXEnding in XXXXStatus: Derogatory, Balance: $XXXXXXXXReporting derogatory status after $XXXX balance raises questions under FCRAXXXXDispute notation reads: Dispute resolved; customer disagrees, but XXXX omits this note.XXXX XXXX XXXX XXXXTransUnion reports high credit = $XXXX, which is inaccurate since credit limit is $XXXXXXXXDispute notation is not visible; reporting appears incompleteXXXX XXXX (Ending in XXXXXXXXTransUnion shows $XXXX past due; XXXX shows"],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"sub_issue":["Account status incorrect"]},"sort":[14.821518,"15087371"]},{"_index":"complaint-public-v1","_id":"10262200","_score":14.796172,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Credit Report Violations and Repossession Procedures for Account # XXXX Dear CFPB Representative, I am writing to formally submit a complaint regarding inaccurate reporting of a repossession on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). Below are the details of the violations, supported by recent legal actions taken against XXXX XXXX XXXX ( XXXX ) : Inaccurate Reporting Post-Repossession : My credit report from [ XXXX XXXX XXXX ] inaccurately shows a repossession on my auto loan account, listed under Account # XXXX, with an original balance of {$20000.00}. According to the FCRA and case law such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies are required to ensure that the information they report is accurate. My credit report should reflect the accurate balance remaining after the sale of the repossessed vehicle. The current balance has not been adjusted accordingly, which is a violation of this requirement. \n\nFailure to Properly Address My Dispute : I submitted a dispute regarding the inaccurate reporting of this account on [ Date ]. Despite the dispute, the information on my credit report has not been corrected, in violation of Section XXXX of the FCRA. Additionally, the case XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supports the argument that credit reporting agencies are liable when they fail to conduct reasonable investigations into disputed accounts. No investigation results have been shared with me, and the inaccuracies remain, making this a clear violation of the FCRA. \n\nXXXX Compliance Violations : According to XXXX XXXX and XXXX, I should have received a notice of repossession and an explanation regarding the sale of my vehicle, including any remaining balance. The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), addresses the importance of proper notification under XXXX guidelines. I did not receive any such notice or communication, which is a violation of the XXXX and related case law. \n\nFailure to Update XXXX XXXX : The account is still reported with derogatory status, and the creditor has failed to update the account with the correct balance post-repossession sale, in violation of the FCRA 's requirement for accurate and timely reporting. This also violates the precedent set in XXXX XXXX XXXX XXXX XXXX, as credit reporting agencies and creditors must ensure that the information reported is continuously accurate. \n\nSupport from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) and the New York Attorney General ( XXXX ) filed a lawsuit against XXXX, accusing the company of predatory lending practices and deceptive acts that led many consumers to repossession and financial distress. The lawsuit specifically highlights that XXXX knowingly issued loans with high interest rates, concealed the true cost of the loans, and set up borrowers to fail by providing loans they could not afford to repay. As a result, many consumers faced repossessions, lawsuits, and aggressive debt collection tactics ( Consumer Financial Protection Bureau ) ( Consumer Financial Protection Bureau ) ( XXXX XXXX XXXX XXXX ). \n\nThis lawsuit demonstrates a clear pattern of unfair and deceptive practices by XXXX, which mirrors the issues I am facing with my repossession and the inaccurate reporting on my credit file. The CFPB and XXXX 's ongoing case against XXXX supports my claim that XXXX practices are predatory, unfair, and deceptive, and that their reporting of my repossession is likely part of these same violations. \n\nRequested Action : I request that the CFPB investigate these violations and instruct the credit reporting agencies and the creditor to : Update the balance on my credit report to accurately reflect the post-sale amount for Account # XXXX. \nRemove any inaccurate derogatory status. \nEnsure XXXX compliance regarding notifications and documentation of repossession. \nI look forward to your assistance in resolving this matter. Please contact me at [ Your Contact Information ] if any additional information is needed. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-09-26T16:02:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08401","tags":null,"has_narrative":true,"complaint_id":"10262200","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-26T15:18:48.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to Update XXXX XXXX : The account is still reported with derogatory status, and the creditor has failed to update the account with the correct balance post-repossession sale, in violation of the FCRA 's requirement for accurate and timely reporting. This also violates the precedent set in XXXX XXXX XXXX XXXX XXXX, as credit reporting agencies and creditors must ensure that the information reported is continuously accurate."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[14.796172,"10262200"]},{"_index":"complaint-public-v1","_id":"15083886","_score":14.723146,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act (XXXX), includingXXXX U.S.C. XXXX(b) failure to maintain maximum possible accuracyXXXX U.S.C. XXXX(a)(XXXX) failure to delete or correct inaccurate, incomplete, or unverifiable information after a dispute\\n\\nOn XXXX XXXX XXXX, I mailed a Round 1 dispute letter to Equifax via certified mail (tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX). My dispute letter listed several accounts with incorrect, misleading, or incomplete information. It also included supporting documentation including court summonses for accounts currently involved in litigation.\\n\\nAs of this complaint, Equifax has failed to correct or update the following accounts:\\n\\n\\n\\n Disputed Accounts with Equifax:XXXX XXXX XXXXThis account is the subject of active litigation: XXXX XXXX XXXX XXXX XXXX, Case No. XXXX (XXXX XXXX XXXX).\\n\\t\\tEquifax fails to report that the account is in litigation, creating a material omission.\\n\\t\\tA tradeline can be accurate in part but still misleading, in violation of XXXX(b).XXXX XXXX (XXXX)\\n\\t\\tAlso in litigation (Case No. XXXX), yet no mention of legal status is made.\\n\\t\\tEquifax reports it as charged off, without legal context.\\n\\t\\tFCRA requires completeness, not partial or misleading data.XXXX XXXX XXXX XXXX (XXXX)\\n\\t\\tHigh credit and charge-off status are inconsistent across CRAs.\\n\\t\\tEquifax fails to apply proper dispute language and does not reflect my ongoing dispute.\\n\\t\\tInconsistent date reporting across CRAs suggests Equifax did not verify properly.XXXX XXXX (XXXX)**\\n\\t\\tEquifax reports as charged off but omits whether the account was closed by grantor or consumer.\\n\\t\\tDispute notation also appears to be missing or outdated.XXXX (XXXX)**\\n\\t\\tBalance listed on a charged-off account without clear indication if the debt was sold or settled.\\n\\t\\tNo documentation has been provided to support continued reporting.XXXX (XXXX)XX/XX/XXXX status conflicts with XXXX and XXXX for this same tradeline.\\n\\t\\tDispute comment may be missing.\\n\\t\\tInconsistent coding creates misleading impression.XXXX / XXXX XXXX (Secured Card)\\n\\t\\tHigh credit shows as $215 while credit limit is $200.\\n\\t\\tThis could indicate an over-limit charge that may not have occurred.\\n\\t\\tClosure reason unclear or missing.XXXX XXXX XXXX (XXXX)XXXXMarked Paid but status suggests its still impacting my credit negatively.\\n\\t\\tNeeds clearer closure or update coding.XXXX XXXX XXXXMarked as derogatory with $0 balance.\\n\\t\\tIf debt is paid or sold, derogatory status may no longer be accurate.\\n\\t\\tDispute notation appears to be missing from Equifax, while present on other CRAs.XXXX XXXX (Ending in XXXX)\\n\\t\\tEquifax shows a more recent Date of Status than other CRAs.\\n\\t\\tAlso displays a different balance reporting date, suggesting reporting is stale or unverifiable.\\n\\n\\n\\n Summary of Violations:\\n\\t\\tEquifax is reporting tradelines involved in active lawsuits without noting account in litigation\\n\\t\\tSeveral accounts show inconsistencies, missing dispute notations, and contradictory balances or statuses when compared with TransUnion and Experian\\n\\t\\tNo reinvestigation documentation has been sent to me\\n\\t\\tEquifax failed to delete, update, or verify many accounts within XXXX days of receiving my mailed dispute'","date_sent_to_company":"2025-08-06T02:11:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90029","tags":null,"has_narrative":true,"complaint_id":"15083886","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-06T02:02:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["\\n\\t\\tClosure reason unclear or missing.XXXX XXXX XXXX (XXXX)XXXXMarked Paid but status suggests its still impacting my credit negatively.\\n\\t\\tNeeds clearer closure or update coding.XXXX XXXX XXXXMarked as derogatory with $0 balance.\\n\\t\\tIf debt is paid or sold, derogatory status may no longer be accurate.\\n\\t\\tDispute notation appears to be missing from Equifax, while present on other CRAs.XXXX XXXX (Ending in XXXX)\\n\\t\\tEquifax shows a more recent Date of Status than other CRAs."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[14.723146,"15083886"]},{"_index":"complaint-public-v1","_id":"11853517","_score":14.663893,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Equifax for failing to correct multiple credit reporting errors despite prior disputes. Equifax has violated the Fair Credit Reporting Act ( FCRA ) 1681i, 1681b, and 1681s-2 ( b ) by : Failing to properly investigate and correct disputed items Continuing to report inaccurate, outdated, and unverifiable information Refusing to remove unauthorized hard inquiries Non-compliance with Metro 2 data reporting standards 1. Unverified & Incorrect Bankruptcies Reporting Equifax has failed to update, correct, or remove inaccurate bankruptcy data from my credit file. \n\nXXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Date Discharged : XX/XX/XXXX Issue : Accounts included in this bankruptcy are still reporting balances, late payments, and charge-offs, which violates Metro 2 Compliance and CFPB XXXX XXXX lawsuit precedents. \nDisputed Before? Yes, multiple times. \nOutcome? Equifax has refused to correct these inaccuracies. \nRequest : Ensure that all accounts included in bankruptcy reflect {$0.00} balance and \" Included in Bankruptcy '' status as required by law. \nXXXX XXXXXXXX Bankruptcy Date Filed : XX/XX/XXXX Date Dismissed : XX/XX/XXXX Issue : Equifax continues to report this bankruptcy, even though it was dismissed and holds no legal weight. \nDisputed Before? Yes. \nOutcome? Equifax has refused to remove this bankruptcy. \nRequest : Immediate deletion of the dismissed XXXX XXXXXXXX bankruptcy as it is no longer relevant or legally enforceable. \nUnauthorized Hard Inquiries Under FCRA 1681b, hard inquiries must be authorized by the consumer. Equifax has failed to remove multiple unauthorized hard inquiries, even after disputes. \n\nCreditor Name Type of Business Date of Inquiry FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Disputed Before? Yes. \nOutcome? Equifax has refused to remove these inquiries without providing proof of authorization. \nRequest : Immediate deletion of all unauthorized hard inquiries or documented proof that I provided written authorization.\n\nSeveral accounts remain inaccurately reported as charge-offs, collections, or past due despite being : Paid Included in bankruptcy Sold/transferred ( which means the original creditor should no longer report them ) Creditor Name Account Number ( Last 4 ) Balance Status Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account was closed due to inactivity but still reports balancXXXX XXXX XXXX {$0.00} Charge-Off Transferred to another lender, should not report XXXX XXXX XXXX {$0.00} Derogatory Still showing as a derogatory account after bankruptcy Disputed Before? Yes. \nOutcome? Equifax refuses to remove or update these accounts as required by Metro 2 compliance guidelines.\n\nRequest : Immediate deletion or correction of these accounts per FCRA 1681s-2 ( b ) and Metro 2 reporting standards.","date_sent_to_company":"2025-01-30T17:48:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48224","tags":null,"has_narrative":true,"complaint_id":"11853517","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-30T17:42:32.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["not report XXXX XXXX XXXX {$0.00} Derogatory Still showing as a derogatory account after bankruptcy Disputed Before?"],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[14.663893,"11853517"]},{"_index":"complaint-public-v1","_id":"14016698","_score":14.573273,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax is currently reporting multiple collection and charge-off accounts that I dispute as inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). These include XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX ), reported as a charge-off dated XX/XX/XXXX with a balance of {$6600.00}. \nXXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), listed as a charge-off dated XX/XX/XXXX with a balance of {$1500.00}. \nXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), dated XX/XX/XXXX, showing a {$0.00} balance but still reported with derogatory remarks. \nXXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), recorded on XX/XX/XXXX with an unpaid balance of {$510.00}. \nXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), recently reported on XX/XX/XXXX with a balance of {$2200.00}. \n\nMany of these entries either lack sufficient verification, reflect contradictory data ( such as accounts marked as charge-offs despite a {$0.00} balance ), or fail to provide original source documentation to establish the accuracy and ownership of the debt. For example, if the XXXX account has a XXXX balance, why is it still being reported with a derogatory status? That is misleading and unnecessarily damaging. In other cases, such as the XXXX or XXXX XXXX charge-offs, I have not received verification showing that the information being reported is both current and accurate. \n\nThese issues are not just technicalitiesthey materially harm my creditworthiness, and I believe they stem from either a failure to properly update records, a lack of verification from data furnishers, or even broader issues related to the improper handling of consumer disputes. \n\nRecent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.","date_sent_to_company":"2025-06-11T22:39:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"372XX","tags":null,"has_narrative":true,"complaint_id":"14016698","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-11T22:31:01.000Z","state":"TN","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["For example, if the XXXX account has a XXXX balance, why is it still being reported with a derogatory status? That is misleading and unnecessarily damaging. In other cases, such as the XXXX or XXXX XXXX charge-offs, I have not received verification showing that the information being reported is both current and accurate."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[14.573273,"14016698"]},{"_index":"complaint-public-v1","_id":"5969421","_score":14.549977,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a paper dispute to XXXX, XXXX, and XXXX via certified mail about the account on my reports, Self/Lead Bank on XX/XX/XXXX. I've disputed many times online between XXXX and XXXX with the bureaus and the company. I have requested for the contract I signed to be sent to my home via US mail so that I may verify this account. Dispute results always state the information has been verified with the bureau by the company. I still have not received any documents which I've requested. The account is showing on my credit reports as current. It shows \" Paid '' account status on the XXXX and XXXX reports and \" closed '' on the XXXX report, but all reports show that payment status is current. How can a closed/paid account status be current when there have been no payments? I have no knowledge of this account and I have not verified the account. \n\nXXXX XXXX is on my XXXX and XXXX credit reports. The previous amounts owed and initial contact amounts are unverified. XXXX has a class action lawsuit filed for predatory and deceptive practices with customers. I have never signed any contracts with XXXX. I have disputed the accuracy of the account and the amount owed between XXXX and XXXX online and via US mail with bureaus and the company. Nothing has ever been sent to my home to verify this debt. This debt was included in a XXXX XXXX bankruptcy file on XX/XX/XXXX and discharged on XX/XX/XXXX. All other accounts included and this bankruptcy have been removed from my credit reports but this account remains with inaccurate dates and amounts owed and re-reporting. I still have not received any documents which I've requested. I have not verified the account. \n\nThe XXXX XXXX XXXX is reporting to my XXXX report as a derogatory '' collection/charge off, '' My XXXX report as a derogatory \" account closed due to transfer. Debtincluded in or is charged through Bankruptcy XXXX XXXX, XXXX. Sold to XXXX XXXX XXXX '', and my XXXX report as Open and \" current ''. I have been disputing this account online and via email from XXXX to XXXX with the bureaus and the company. Account statements change, The account changes from open to closed, then closed to open. How can an account that has been discharged in a XXXX XXXX bankruptcy be open and current or have any other description outside of \" discharged in XXXX XXXX bankruptcy ''? \n\n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that I be disclosed all the documents that have been recorded and retained in the bureaus/company 's files at the time of my request concerning the accounts that are reporting in my credit reports. If there isn't any documentation in the files to verify the accuracy of the disputed accounts, they should be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties these bureaus are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In two years of disputes, the bureaus and companies have been unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed above within 30 days of all my dispute letters/attempts. Therefore, these bureaus must remove these accounts from my credit reports.","date_sent_to_company":"2022-09-10T16:48:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"5969421","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2022-09-10T16:48:32.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["All other accounts included and this bankruptcy have been removed from my credit reports but this account remains with inaccurate dates and amounts owed and re-reporting. I still have not received any documents which I've requested. I have not verified the account. \n\nThe XXXX XXXX XXXX is reporting to my XXXX report as a derogatory '' collection/charge off, '' My XXXX report as a derogatory \" account closed due to transfer. Debtincluded in or is charged through Bankruptcy XXXX XXXX, XXXX."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[14.549977,"5969421"]},{"_index":"complaint-public-v1","_id":"5969422","_score":14.533318,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a paper dispute to XXXX, XXXX, and XXXX via certified mail about the account on my reports, XXXX XXXX on XX/XX/XXXX. I've disputed many times online between XXXX and XXXX with the bureaus and the company. I have requested for the contract I signed to be sent to my home via US mail so that I may verify this account. Dispute results always state the information has been verified with the bureau by the company. I still have not received any documents which I've requested. The account is showing on my credit reports as current. It shows \" Paid '' account status on the XXXX and XXXX reports and \" closed '' on the XXXX report, but all reports show that payment status is current. How can a closed/paid account status be current when there have been no payments? I have no knowledge of this account and I have not verified the account. \n\nSantander/Chrysler Cap is on my XXXX and XXXX credit reports. The previous amounts owed and initial contact amounts are unverified. Santander has a class action lawsuit filed for predatory and deceptive practices with customers. I have never signed any contracts with Santander. I have disputed the accuracy of the account and the amount owed between XXXX and XXXX online and via US mail with bureaus and the company. Nothing has ever been sent to my home to verify this debt. This debt was included in a XXXX XXXX bankruptcy file on XX/XX/XXXX and discharged on XX/XX/XXXX. All other accounts included and this bankruptcy have been removed from my credit reports but this account remains with inaccurate dates and amounts owed and re-reporting. I still have not received any documents which I've requested. I have not verified the account. \n\nThe XXXX XXXX XXXX is reporting to my XXXX report as a derogatory '' collection/charge off, '' My XXXX report as a derogatory \" account closed due to transfer. Debtincluded in or is charged through Bankruptcy XXXX XXXX, XXXX. Sold to XXXX XXXX XXXX '', and my XXXX report as Open and \" current ''. I have been disputing this account online and via email from XXXX to XXXX with the bureaus and the company. Account statements change, The account changes from open to closed, then closed to open. How can an account that has been discharged in a XXXX XXXX bankruptcy be open and current or have any other description outside of \" discharged in XXXX XXXX bankruptcy ''? \n\n\nUnder the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that I be disclosed all the documents that have been recorded and retained in the bureaus/company 's files at the time of my request concerning the accounts that are reporting in my credit reports. If there isn't any documentation in the files to verify the accuracy of the disputed accounts, they should be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties these bureaus are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In two years of disputes, the bureaus and companies have been unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed above within 30 days of all my dispute letters/attempts. Therefore, these bureaus must remove these accounts from my credit reports.","date_sent_to_company":"2022-09-10T16:48:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"5969422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2022-09-10T16:48:32.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["All other accounts included and this bankruptcy have been removed from my credit reports but this account remains with inaccurate dates and amounts owed and re-reporting. I still have not received any documents which I've requested. I have not verified the account. \n\nThe XXXX XXXX XXXX is reporting to my XXXX report as a derogatory '' collection/charge off, '' My XXXX report as a derogatory \" account closed due to transfer. Debtincluded in or is charged through Bankruptcy XXXX XXXX, XXXX."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[14.533318,"5969422"]},{"_index":"complaint-public-v1","_id":"7683349","_score":14.266564,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed bankruptcy on XX/XX/XXXX. Netcredit or NC Financial was included in the debtors listing and was notified by several methods by my lawyer. During the entire bankruptcy process netcredit continued to report the account as a charge-off and a collection. My bankruptcy was discharged on XX/XX/XXXX. I tried disputing the account multiple times through all my credit reports and they all returned that netcredit verified my account as accurate. This was a deliberate lie. I tried contacting netcredit myself on several occasions though email and they finally responded and said that collection efforts would continue. Once I received that email, I contacted my lawyer again. My lawyer reopened my case and filed a lawsuit against netcredit for violation of the Discharge injunction. Once this happened, my lawyer could not even get netcredit to respond to her. No one ever once contacted her back, nor did they show up to court on XX/XX/XXXX and Netcredit was found in contempt. For the sanction hearing, once again there was no contact from netcredit and no one showed up to court. Accordingly, the Court entered an Order : ( 1 ) Holding NetCredit in Contempt Pursuant to 11 U.S.C. 105 ( a ) ; and ( 2 ) Scheduling Hearing on Sanctions, ECF No. 24. entered on XX/XX/XXXX. As of today, this company is STILL continuing to report this account as an account in charge-off and collection status, multiple late payments, reporting as derogatory and stating that it was sold to another lender. There is no other lender that holds this account because they would be violating my bankruptcy rights by reporting. I have been fighting this company for a year now, post bankruptcy filing and they do not care at all about violating any laws. I am about to file another lawsuit with my lawyer and I want the entire account removed from all my credit reports as they have greatly harmed the fresh start I was promised. \nNot only do they not care about consumer credit reporting laws, they are predatory lenders that charge extremely high interest rates, exorbitant fees and keep adding them on despite closing the account and will not provide any documentation. I want it all removed from my credit reports and I never want to hear from them again.","date_sent_to_company":"2023-10-11T06:01:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"357XX","tags":null,"has_narrative":true,"complaint_id":"7683349","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2023-10-11T05:28:06.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Accordingly, the Court entered an Order : ( 1 ) Holding NetCredit in Contempt Pursuant to 11 U.S.C. 105 ( a ) ; and ( 2 ) Scheduling Hearing on Sanctions, ECF No. 24. entered on XX/XX/XXXX. As of today, this company is STILL continuing to report this account as an account in charge-off and collection status, multiple late payments, reporting as derogatory and stating that it was sold to another lender."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[14.266564,"7683349"]},{"_index":"complaint-public-v1","_id":"13942474","_score":14.199857,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute several inaccurate, misleading, and legally noncompliant entries you have reported to the credit reporting agencies regarding the above-referenced account. This letter serves as notice of dispute and demand for immediate correction under 15 U.S. Code 1681, 1681s-2, 1681e ( b ), 1666b, and other applicable federal statutes. \n\nBasis of Dispute Account Details in Violation : Account Type : Revolving Status : Closed Paid Charge-Off ( as of XX/XX/year> ) Balance : {$0.00} Credit Limit : {$15000.00} Past Due : {$0.00} Comments : SETTLEMENT ACCEPTED ON THIS ACCOUNT Despite showing a XXXX balance and a settled status, this account is still reporting \" Charge-Off '' status and delinquency marks ( CO, 120, 90, 60, 30 days late ) consistently across 24 months on XXXX, and inconsistently or not at all on XXXX and XXXX. This is misleading, inaccurate, and a direct violation of federal law. \n\nLegal Violations 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report information that they know or have reasonable cause to believe is inaccurate.\n\n15 U.S. Code 1681s-2 ( a ) ( 2 ) : Upon notice of dispute, the furnisher must promptly correct or delete inaccurate or incomplete information.\n\n15 U.S. Code 1681e ( b ) : CRA must follow reasonable procedures to assure maximum possible accuracy.\n\n15 U.S. Code 1681i ( a ) : After receiving a dispute, CRAs and furnishers have 30 days to investigate and remove or correct any inaccuracies.\n\n15 U.S. Code 1666b ( TILA ) : This statute governs how and when payments must be credited. Inaccurate application or delayed reflection of paid/settled statuses constitutes a violation.\n\nMisrepresentation of Payment History Post-Settlement : Once settled and at a {$0.00} balance, continued derogatory reporting ( like ongoing charge-off status ) constitutes re-aging, which is prohibited under the FCRA.\n\nDemand for Immediate Action You are hereby formally requested to take the following actions within 15 days of receipt of this letter : Cease all further derogatory reporting on this account. \n\nUpdate all three credit bureaus to reflect : Settled in full or Paid in full {$0.00} Balance Remove all negative payment history post-settlement ( including CO, 120, 90, 60, 30, etc. ) Correct inconsistent reporting between XXXX XXXX XXXX XXXX Failure to comply may result in a lawsuit being filed in small claims or federal court seeking : {$1000.00} per violation under 15 U.S.C. 1681n ( willful ) Actual damages, including emotional distress and credit denial consequences Attorney fees and costs Punitive damages for negligent and willful violations As of today, with 24 months of violations on record across multiple bureaus, the statutory penalty exceeds {$24000.00}. This is a formal Notice of Intent to Litigate should this issue not be fully and fairly resolved within the legal timeframe.\n\nPlease send all communication in writing. A copy of this dispute has been sent to the following : XXXX LLC XXXX Information Solutions XXXX Information Services LLC Consumer Financial Protection Bureau ( CFPB )","date_sent_to_company":"2025-06-06T16:15:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48602","tags":null,"has_narrative":true,"complaint_id":"13942474","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-06-06T16:10:27.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Basis of Dispute Account Details in Violation : Account Type : Revolving Status : Closed Paid Charge-Off ( as of XX/XX/year> ) Balance : {$0.00} Credit Limit : {$15000.00} Past Due : {$0.00} Comments : SETTLEMENT ACCEPTED ON THIS ACCOUNT Despite showing a XXXX balance and a settled status, this account is still reporting \" Charge-Off '' status and delinquency marks ( CO, 120, 90, 60, 30 days late ) consistently across 24 months on XXXX, and inconsistently or not at all on XXXX and XXXX."],"product":["Credit reporting or other personal consumer reports"],"company":["NAVY FEDERAL CREDIT UNION"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[14.199857,"13942474"]},{"_index":"complaint-public-v1","_id":"12353872","_score":14.18287,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the continued and inaccurate reporting of the XXXX account ( Account Number : XXXX ) on my credit reports with Experian and XXXX. Despite the account being settled in full on XX/XX/XXXX, as verified by XXXX XXXX XXXX XXXX ( current owner of the debt ), this account remains listed with a charge-off status, delinquent payment history ( XXXX days past due ), and other derogatory marks. This ongoing reporting is fraudulent, unjustified, and a clear violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). I demand immediate correction and deletion of this account from my credit reports. \n\nEvidence of Settlement and Inaccuracies The account originated from a package ( Timberland boots ) stolen on XX/XX/XXXX, which I never received, leading to an unauthorized charge-off of {$630.00} reported by WebBank/Fingerhut. I have provided extensive documentation, including : XXXX Police Department Summary Incident Report ( Report Number : XXXX ) dated XX/XX/XXXX, confirming the theft. \nFTC Identity Theft Report ( Report Number : XXXX ) dated XX/XX/XXXX, establishing me as a victim of identity theft. \n\nSettlement Letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, verifying the account was settled in full on XX/XX/XXXX, and requesting deletion of the tradeline within 30 days. \n\nCredit Reports : Experian ( last reported XX/XX/XXXX, charge-off {$630.00} ) and XXXX ( last reported XX/XX/XXXX, charge-off ) still reflect inaccurate derogatory information despite the settlement. \n\nThe continued reporting of this account as delinquent or charged-off after settlement violates FCRA Section 1681s-2 ( b ), which requires furnishers to update inaccurate information, and FCRA Section 1681e ( b ), which mandates accurate reporting by credit bureaus. The settlement nullifies any basis for reporting negative payment history or charge-off status, and your failure to update this constitutes negligent or willful noncompliance ( 15 U.S.C. 1681o or 1681n ).\n\nViolations of Consumer Protection Laws FCRA : WebBank/Fingerhuts failure to update the account status post-settlement and the credit bureaus failure to reinvestigate after my prior disputes violate 15 U.S.C. 1681i and 1681s-2 ( b ). This has harmed my creditworthiness, entitling me to actual damages, punitive damages, and attorneys fees.\n\nFDCPA : If collection efforts continued post-settlement, this breaches 15 U.S.C. 1692 et seq., as no debt remains collectible.\n\nTILA : Unauthorized charges from the stolen package and lack of disclosure violate TILAs consumer protections.\n\nDemand for Immediate Action I demand that : XXXX immediately notify all credit bureaus to delete this account and correct all derogatory marks. \n\nExperian, XXXX, and XXXX conduct a reinvestigation within 30 days ( per 15 U.S.C. 1681i ) and remove the account, given the settlement evidence.\n\nFailure to comply within 15 days will result in legal action, including complaints to the CFPB, FTC, and a lawsuit for damages under the FCRA, FDCPA, and TILA. I am prepared to seek statutory damages, actual damages, punitive damages, and attorneys fees.","date_sent_to_company":"2025-03-06T17:38:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85035","tags":null,"has_narrative":true,"complaint_id":"12353872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-06T17:38:20.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["FTC Identity Theft Report ( Report Number : XXXX ) dated XX/XX/XXXX, establishing me as a victim of identity theft. \n\nSettlement Letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, verifying the account was settled in full on XX/XX/XXXX, and requesting deletion of the tradeline within 30 days. \n\nCredit Reports : Experian ( last reported XX/XX/XXXX, charge-off {$630.00} ) and XXXX ( last reported XX/XX/XXXX, charge-off ) still reflect inaccurate derogatory information despite the settlement."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[14.18287,"12353872"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":133,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":133}]}},"product":{"doc_count":133,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":86,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":86}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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