{"took":153,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":712,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4621608","_score":19.146278,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX from Experian, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX rate. Now there are XXXX reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX  XXXX XXXX  XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed XXXX XXXX XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-08-11T17:06:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["<em>XX/XX</em>/2021 <em>Closed</em> Marked as a duplicate complaint on <em>XX/XX</em>/2021 <em>XXXX</em> Checking <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX</em>/2021 <em>Closed</em> Company responded <em>XXXX</em> Credit reporting Incorrect information on <em>your</em> report EXPERIAN <em>XX/XX</em>/2021 <em>Closed</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Checking <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> <em>XXXX</em>  <em>XX/XX</em>/2021 <em>Closed</em> Company responded <em>XXXX</em> Credit reporting Problem with a credit reporting company 's investigation into an"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.146278,"4621608"]},{"_index":"complaint-public-v1","_id":"4621746","_score":19.145967,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX  from XXXX, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX  range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX  rate. Now there are 117 reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company XXXX is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX XXXX XXXX XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-08-11T17:32:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["<em>XX/XX</em>/2021 <em>Closed</em> Marked as a duplicate complaint on <em>XX/XX</em>/2021 <em>XXXX</em> Checking <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX</em>/2021 <em>Closed</em> Company responded <em>XXXX</em> Credit reporting Incorrect information on <em>your</em> report <em>XXXX</em>  <em>XX/XX</em>/2021 <em>Closed</em> Company responded <em>XXXX</em> Checking <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> <em>XXXX</em>  <em>XX/XX</em>/2021 <em>Closed</em> Company responded <em>XXXX</em> Credit reporting Problem with a credit reporting company 's investigation into"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.145967,"4621746"]},{"_index":"complaint-public-v1","_id":"16703636","_score":17.598427,"_source":{"product":"Checking or savings account","complaint_what_happened":"After reporting fraudulent charges on my account and asking Bank of America to investigate, they closed my account and are now withholding my paycheck, even though my account wasnt overdrawn. I received a {$980.00} deposit that they wont release, and I need this money for my rent and my XXXX children. Despite calling for help, I was refused assistance. I believe my account was closed because of my complaint about unauthorized activities ( claim number XXXX ), and now my direct deposit is being held unfairly. This is not fair. because of my XXXX  im being accused and mistreated without providing any information. \n\n\nThe result of my complaint filled XXXX XXXX XXXX Checking account Problem with a lender or other company charging your account BANK OF AMERICA XXXX  XX/XX/year> Open Company response is in progress as of XX/XX/year>","date_sent_to_company":"2025-10-20T16:07:32.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"02703","tags":null,"has_narrative":true,"complaint_id":"16703636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-10-20T16:01:24.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I believe my <em>account</em> was <em>closed</em> because of my complaint about unauthorized activities ( claim number <em>XXXX</em> ), and now my direct deposit is being held unfairly. This is not fair. because of my <em>XXXX</em>  im being accused and mistreated without providing any information. \n\n\nThe result of my complaint filled <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Checking <em>account</em> Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> BANK OF AMERICA <em>XXXX</em>  XX/XX/year> Open Company response is in progress as of XX/XX/year>"],"product":["Checking or savings <em>account</em>"],"issue":["Closing an <em>account</em>"],"sub_product":["Checking <em>account</em>"],"sub_issue":["Funds not received from <em>closed</em> <em>account</em>"]},"sort":[17.598427,"16703636"]},{"_index":"complaint-public-v1","_id":"11751695","_score":17.474281,"_source":{"product":"Credit card","complaint_what_happened":"Under Title 15, Section 1637 of the Truth in Lending Act, creditors must provide clear disclosures for open-end consumer credit plans. This includes details on finance charges, billing cycles, and other essential terms. If you believe Capital One hasn't met these requirements, you can include this in your complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX XXXX XXXX XXXX SSN : XXXX To Whom It May Concern, I am submitting a complaint regarding Capital One 's handling of my credit account.\n\nSpecifically, I request a review of their decision to keep my account as closed-ended credit and seek to have it transitioned to open-ended credit. This change is essential for maintaining flexibility and access to credit. Under Title 15, Section 1637 of the Truth in Lending Act, creditors are required to provide clear disclosures for open-end consumer credit plans, including details on finance charges, billing cycles, and other essential terms. If Capital One has failed to meet these requirements, l urge a thorough investigation and appropriate corrective actions.","date_sent_to_company":"2025-01-24T22:23:21.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"48044","tags":null,"has_narrative":true,"complaint_id":"11751695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-24T22:20:28.000Z","state":"MI","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Under Title 15, Section 1637 of the Truth in <em>Lending</em> Act, creditors must provide clear disclosures for open-end consumer credit plans. This includes details on finance <em>charges</em>, billing cycles, and <em>other</em> essential terms. If you believe Capital One hasn't met these requirements, you can include this in <em>your</em> complaint."],"issue":["Closing <em>your</em> <em>account</em>"],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Company <em>closed</em> <em>your</em> <em>account</em>"]},"sort":[17.474281,"11751695"]},{"_index":"complaint-public-v1","_id":"12550231","_score":17.141947,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Credit Reporting AgencyXXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Repossession Charge-Off Closed Account - Failure to Issue IRS 1099-C Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding an auto loan repossession charge-off for the account listed under XXXX XXXX with account number XXXXThis account is marked as \" closed '' and charged-off/written off, but I have not received an IRS Form 1099-C for the forgiven debt associated with this repossession. \nAs you may know, under the IRS guidelines, a lender is required to issue a 1099-C for any debt that is cancelled or forgiven, typically in cases of repossession. To my knowledge, I have not received this form for the year the repossession occurred, which leads me to believe that this account has been inaccurately reported on my credit file.\n\nI request that you investigate this matter and correct any inaccuracies regarding the reporting of this account. Specifically, I ask that you : 1. Verify whether a 1099-C was issued for this account.\n\n2. Ensure that the credit reporting reflects the proper treatment of this closed account in accordance with IRS requirements.\n\n3. Remove any improper reporting related to this account, including any charge-off or cancellation of debt that should have been documented via a 1099-C.\n\nTo assist in the investigation, I have included the following documents for your review : * [ List any relevant documents you are attaching, such as payment records, communication with the lender, or any other supporting evidence ].\n\nUnder the Fair Credit Reporting Act ( FCRA ), I request that you complete your investigation within XXXX  days and provide me with the results in writing.\n\nIf further documentation or information is needed, please let me know. I appreciate your prompt attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-19T06:15:00.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"90047","tags":null,"has_narrative":true,"complaint_id":"12550231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Driveway Finance Corporation","date_received":"2025-03-19T06:04:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Deficiency balance after repossession"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> XXXXXXXX <em>XXXX</em> Credit Reporting Agency<em>XXXX</em> Credit Bureau <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX Subject : Dispute of Repossession <em>Charge</em>-Off <em>Closed</em> <em>Account</em> - Failure to Issue IRS 1099-C Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding an auto loan repossession <em>charge</em>-off for the <em>account</em> listed under <em>XXXX</em> <em>XXXX</em> with <em>account</em> number XXXXThis <em>account</em> is marked as \" <em>closed</em> '' and charged-off/written off, but I have not"]},"sort":[17.141947,"12550231"]},{"_index":"complaint-public-v1","_id":"10652498","_score":17.025097,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Today I spoke with XXXX XXXX XXXX XXXX  with XXXX ID # XXXX I explained to him that my account shows Status Charge off in XX/XX/year> in XXXX and Account Status Closed in XXXX XXXX in Equifax I explained to him that Credit Cards closed accounts happen according to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the Fair Credit Reporting Act ( FCRA ) credit card charge off must be reported XXXX  days from the date of the first delinquency in this case XXXX. I requested the delete of this account and other XXXX of XXXX XXXX XXXX XXXX of XXXX/XXXX  and another ones because are too old...... The credit Agencies XXXX and Equifax told me to call the banks in order to my credit report be accurate ... ... several lenders reported in the same way ... .Please that accounts now are more than XXXX years old I requested your help to delete those accounts Thank you..","date_sent_to_company":"2024-11-01T22:40:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92078","tags":"Older American","has_narrative":true,"complaint_id":"10652498","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-01T22:13:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I requested the delete of this <em>account</em> and <em>other</em> <em>XXXX</em> of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> of <em>XXXX</em>/<em>XXXX</em>  and another ones because are too old...... The credit Agencies <em>XXXX</em> and Equifax told me to call the banks in order to my credit report be accurate ... ... several <em>lenders</em> reported in the same way ... .Please that <em>accounts</em> now are more than <em>XXXX</em> years old I requested <em>your</em> help to delete those <em>accounts</em> Thank you.."],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[17.025097,"10652498"]},{"_index":"complaint-public-v1","_id":"5117757","_score":16.486855,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"While in XXXX a restaurant used my credit card for over XXXX dollars. This is a continuation of : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Checking or savings account ISSUE Problem with a lender or other company charging your account I have submitted documentation to all of my accounts and awaiting responses from XXXX, XXXX XXXX XXXX XXXX and Chase. It is utterly impossible and have retained a lawyer ( XXXX ) as well as filed a police report about the theft. I have contacted Chase in an effort to clear this up. As a result of this theft BOTH of my credit cards with Chase and XXXX have been closed due to my credit score going from XXXX to XXXX as explained to me by a representative of XXXX XXXX.","date_sent_to_company":"2022-01-17T22:29:31.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"10011","tags":null,"has_narrative":true,"complaint_id":"5117757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-01-17T22:21:03.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["While in <em>XXXX</em> a restaurant used my credit card for over <em>XXXX</em> dollars. This is a continuation of : COMPLAINT ID <em>XXXX</em> SUBMITTED ON <em>XX/XX</em>/2022 PRODUCT Checking or savings <em>account</em> ISSUE Problem with a <em>lender</em> or <em>other</em> company <em>charging</em> <em>your</em> <em>account</em> I have submitted documentation to all of my <em>accounts</em> and awaiting responses from <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and Chase. It is utterly impossible and have retained a lawyer ( <em>XXXX</em> ) as well as filed a police report about the theft."],"issue":["Problem with a purchase shown on <em>your</em> statement"],"sub_product":["General-purpose credit card or <em>charge</em> card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on <em>your</em> statement"]},"sort":[16.486855,"5117757"]},{"_index":"complaint-public-v1","_id":"12551556","_score":16.437128,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Credit Reporting AgencyXXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Repossession Charge-Off Closed Account - Failure to Issue IRS 1099-C Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding an auto loan repossession charge-off for the account listed under King of credit financial/ Camacho Auto Sales Inc with account number XXXX This account is marked as `` closed '' and charged-off, but I have not received an IRS Form 1099-C for the forgiven debt associated with this repossession.\n\nAs you may know, under the IRS guidelines, a lender is required to issue a 1099-C for any debt that is cancelled or forgiven, typically in cases of repossession. To my knowledge, I have not received this form for the year the repossession occurred, which leads me to believe that this account has been inaccurately reported on my credit file. \nI request that you investigate this matter and correct any inaccuracies regarding the reporting of this account. Specifically, I ask that you : 1. Verify whether a 1099-C was issued for this account.\n\n2. Ensure that the credit reporting reflects the proper treatment of this closed account in accordance with IRS requirements.\n\n3. Remove any improper reporting related to this account, including any charge-off or cancellation of debt that should have been documented via a 1099-C.\n\nTo assist in the investigation, I have included the following documents for your review : * [ List any relevant documents you are attaching, such as payment records, communication with the lender, or any other supporting evidence ]. \nUnder the Fair Credit Reporting Act ( FCRA ), I request that you complete your investigation within 30 days and provide me with the results in writing. \nIf further documentation or information is needed, please let me know. I appreciate your prompt attention to this matter. \nSincerely, XXXX XXXX In addition to this dispute letter I will include screenshots of transactions credit report with king of credit financial inc is one and the same XXXX XXXX XXXX XXXX are the same company. Report under XXXX different companies.","date_sent_to_company":"2025-03-19T05:41:01.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"90047","tags":null,"has_narrative":true,"complaint_id":"12551556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"King of Credit Financial, Inc","date_received":"2025-03-19T05:23:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Deficiency balance after repossession"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, Ca <em>XXXX</em> <em>XXXX</em> Credit Reporting Agency<em>XXXX</em> Credit Bureau <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> TX <em>XXXX</em> Subject : Dispute of Repossession <em>Charge</em>-Off <em>Closed</em> <em>Account</em> - Failure to Issue IRS 1099-C Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding an auto loan repossession <em>charge</em>-off for the <em>account</em> listed under King of credit financial/ Camacho Auto Sales Inc with <em>account</em> number <em>XXXX</em> This <em>account</em> is marked as `` <em>closed</em> '' and charged-off"]},"sort":[16.437128,"12551556"]},{"_index":"complaint-public-v1","_id":"18130376","_score":16.42209,"_source":{"product":"Debt collection","complaint_what_happened":"Debt Validation Complaint Letter ( CFPB ) Date : XX/XX/2025 Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Creditor Name : Kikoff Lending , LLC Address : XXXX XXXX XXXX XXXX, NV XXXX Phone Number : XXXX Re : Request for Debt Validation Account Number ( Partial ) : XXXX Claimed Amount : {$500.00} -- - To Whom It May Concern, I am submitting this complaint to formally dispute and request validation of the above-referenced debt that Kikoff Lending , LLC claims I owe. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and all applicable federal consumer protection laws. \n\nPlease provide complete documentation validating this alleged debt, including but not limited to : 1. The exact amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges.\n\n2. The name of the original creditor, if different from Kikoff Lending , LLC, and the date the debt was incurred.\n\n3. Copies of any contracts, agreements, or applications bearing my signature that establish my legal obligation to repay this debt.\n\n4. Proof that Kikoff Lending , LLC is legally authorized to collect or service this debt.\n\n5. A complete payment history, including all charges, credits, and adjustments. \n\n\n\nUntil this information is provided, I request that all collection activity cease, including any reporting, verification, or furnishing of this account to any credit reporting agency. If this account has already been reported, it must be marked as disputed. \n\nIf Kikoff Lending , LLC is unable to provide proper validation within 30 days, I request that the account be closed and removed from my credit reports, and that no further collection activity occur. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-18T02:36:23.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"44122","tags":null,"has_narrative":true,"complaint_id":"18130376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kikoff Inc.","date_received":"2025-12-18T02:23:28.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["If Kikoff <em>Lending</em> , LLC is unable to provide proper validation within 30 days, I request that the <em>account</em> be <em>closed</em> and removed from my credit reports, and that no further collection activity occur. \n\nThank you for <em>your</em> prompt attention to this matter. \n\nSincerely, <em>XXXX</em> <em>XXXX</em>"]},"sort":[16.42209,"18130376"]},{"_index":"complaint-public-v1","_id":"5258645","_score":16.274553,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern, ( TRANSUNION XXXX XXXX ) This XXXX account needs to be updated to Closed/charged off with a zero balance. XXXX and XXXX are showing a zero balance also XXXX and XXXX are not showing this as revolving credit either. So you all need to delete this or update like the other two. Stop putting this account as revolving credit as its not. Its a closed/charged-off account. Also as you see major acct stuff reporting wrong throughout all XXXX bureaus.. The credit limit amts are not matching on each report as well as the dates last reported nor the date of last payment, the date last active. Pretty much this needs to be deleted from my account as its reflecting incorrectly and harms my ability to obtain a mortgage loan. My lender told me that this is hindering me and also that its not matching as well. Please delete my XXXX account or show a zero balance and show as close as the other two bureaus. Yes, they all say charge off, I get that, the thing thats not reflecting on your bureau is that there's no balance, and it's closed. Pretty much you all should delete this whole account for inaccurate reporting altogether. It's right here in proof. \n\nThanks, XXXX XXXX last four XXXX","date_sent_to_company":"2022-02-24T21:57:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76119","tags":null,"has_narrative":true,"complaint_id":"5258645","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-24T21:35:22.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Pretty much this needs to be deleted from my <em>account</em> as its reflecting incorrectly and harms my ability to obtain a mortgage loan. My <em>lender</em> told me that this is hindering me and also that its not matching as well. Please delete my <em>XXXX</em> <em>account</em> or show a zero balance and show as close as the <em>other</em> two bureaus. Yes, they all say <em>charge</em> off, I get that, the thing thats not reflecting on <em>your</em> bureau is that there's no balance, and it's <em>closed</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.274553,"5258645"]},{"_index":"complaint-public-v1","_id":"4273607","_score":16.017159,"_source":{"product":"Debt collection","complaint_what_happened":"Experian ( XXXX. XXXX  XXXX XXXX, TX XXXX ) is reporting information on my credit report without my consent or acknowledgment this and a few other infromation need to be removed from XXXX XXXX credit report XXXX XXXX  {$2500.00} Closed 2 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Rental Agreement Balance on XX/XX/XXXX Loan Amount {$2500.00} {$3700.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$3700.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 60 90 120 120 CO CO - - - - XXXX - - On Time CO Charge off XXXX Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 30 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? \nIf inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.","date_sent_to_company":"2021-04-05T20:26:57.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"60646","tags":null,"has_narrative":true,"complaint_id":"4273607","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-04-05T19:48:46.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["<em>XXXX</em>  <em>XXXX</em> <em>XXXX</em>, TX <em>XXXX</em> ) is reporting information on my credit report without my consent or acknowledgment this and a few <em>other</em> infromation need to be removed from <em>XXXX</em> <em>XXXX</em> credit report <em>XXXX</em> <em>XXXX</em>  {$2500.00} <em>Closed</em> 2 <em>charge</em>-offs <em>Account</em> Info Hover over labels for more details <em>Account</em> number <em>XXXX</em> <em>Account</em> status <em>Closed</em> Date opened XX/XX/<em>XXXX</em> <em>Account</em> type Rental Agreement Balance on XX/XX/<em>XXXX</em> Loan Amount {$2500.00} {$3700.00} Payment Info Status <em>Charge</em>-off Status date XX/XX/<em>XXXX</em> Past due amount"],"sub_issue":["Threatened or suggested <em>your</em> credit would be damaged"]},"sort":[16.017159,"4273607"]},{"_index":"complaint-public-v1","_id":"10061540","_score":15.831097,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EQUIFAX Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as \" charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, XXXX, and Equifax : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' The account was closed due to inactivity. \n\nEquifax : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off, '' with the balance reported as a \" loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while Equifax indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.\n\nAdditionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account.\n\nI request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the \" charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. \n\nI have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. \n\nThank you for your prompt attention to this matter. I look forward to your timely response.","date_sent_to_company":"2024-09-08T23:32:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10061540","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-08T23:32:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Dispute of inaccurate information on my credit report <em>Account</em> Number : <em>XXXX</em> Credit Bureau : EQUIFAX <em>Account</em> Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in <em>Lending</em> Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my <em>account</em> with [ creditor name, e.g., <em>XXXX</em> <em>XXXX</em> XXXXXXXX ], which has been marked as \" <em>charge</em>-off. '' After reviewing my credit"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.831097,"10061540"]},{"_index":"complaint-public-v1","_id":"10057608","_score":15.823925,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : Transunion Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX  XXXX ], which has been marked as \" charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' The account was closed due to inactivity. \n\nXXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off, '' with the balance reported as a \" loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. TransUnion reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.\n\nAdditionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. \n\nI request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the \" charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. \n\nI have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. \n\nThank you for your prompt attention to this matter. I look forward to your timely response.","date_sent_to_company":"2024-09-08T23:43:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10057608","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-08T23:43:35.000Z","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":["Subject : Dispute of inaccurate information on my credit report <em>Account</em> Number : <em>XXXX</em> Credit Bureau : Transunion <em>Account</em> Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in <em>Lending</em> Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my <em>account</em> with [ creditor name, e.g., <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> ], which has been marked as \" <em>charge</em>-off. '' After reviewing my credit"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.823925,"10057608"]},{"_index":"complaint-public-v1","_id":"10063259","_score":15.821738,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as \" charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' The account was closed due to inactivity. \n\nXXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off, '' with the balance reported as a \" loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. Experian states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.\n\nAdditionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. \n\nI request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the \" charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. \n\nI have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. \n\nThank you for your prompt attention to this matter. I look forward to your timely response.","date_sent_to_company":"2024-09-08T23:22:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10063259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-08T23:22:36.000Z","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":["Subject : Dispute of inaccurate information on my credit report <em>Account</em> Number : <em>XXXX</em> Credit Bureau : EXPERIAN <em>Account</em> Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in <em>Lending</em> Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my <em>account</em> with [ creditor name, e.g., <em>XXXX</em> <em>XXXX</em> XXXXXXXX ], which has been marked as \" <em>charge</em>-off. '' After reviewing my credit"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.821738,"10063259"]},{"_index":"complaint-public-v1","_id":"10061827","_score":15.821738,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EQUIFAX Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as \" charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, XXXX, and Equifax : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' The account was closed due to inactivity.\n\nEquifax : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off, '' with the balance reported as a \" loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while Equifax indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.\n\nAdditionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. \n\nI request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the \" charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. \n\nI have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. \n\nThank you for your prompt attention to this matter. I look forward to your timely response.","date_sent_to_company":"2024-09-08T23:32:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10061827","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-08T23:24:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Dispute of inaccurate information on my credit report <em>Account</em> Number : <em>XXXX</em> Credit Bureau : EQUIFAX <em>Account</em> Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in <em>Lending</em> Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my <em>account</em> with [ creditor name, e.g., <em>XXXX</em> <em>XXXX</em> XXXXXXXX ], which has been marked as \" <em>charge</em>-off. '' After reviewing my credit"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.821738,"10061827"]},{"_index":"complaint-public-v1","_id":"10063258","_score":15.811019,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as \" charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' The account was closed due to inactivity. \n\nXXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off, '' with the balance reported as a \" loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. Experian states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.\n\nAdditionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account.\n\nI request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the \" charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. \n\nI have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. \n\nThank you for your prompt attention to this matter. I look forward to your timely response.","date_sent_to_company":"2024-09-08T23:22:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10063258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-08T23:22:36.000Z","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":["Subject : Dispute of inaccurate information on my credit report <em>Account</em> Number : <em>XXXX</em> Credit Bureau : EXPERIAN <em>Account</em> Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in <em>Lending</em> Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my <em>account</em> with [ creditor name, e.g., <em>XXXX</em> <em>XXXX</em> XXXXXXXX ], which has been marked as \" <em>charge</em>-off. '' After reviewing my credit"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.811019,"10063258"]},{"_index":"complaint-public-v1","_id":"10061542","_score":15.804725,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EQUIFAX Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as \" charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, XXXX, and Equifax : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' The account was closed due to inactivity. \n\nEquifax : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off, '' with the balance reported as a \" loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while Equifax indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.\n\nAdditionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. \n\nI request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the \" charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. \n\nI have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. \n\nThank you for your prompt attention to this matter. I look forward to your timely response.","date_sent_to_company":"2024-09-08T23:32:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10061542","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-08T23:32:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Dispute of inaccurate information on my credit report <em>Account</em> Number : <em>XXXX</em> Credit Bureau : EQUIFAX <em>Account</em> Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in <em>Lending</em> Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my <em>account</em> with [ creditor name, e.g., <em>XXXX</em> <em>XXXX</em> XXXXXXXX ], which has been marked as \" <em>charge</em>-off. '' After reviewing my credit"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.804725,"10061542"]},{"_index":"complaint-public-v1","_id":"10057685","_score":15.804725,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : Transunion Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXXXXXX XXXX ], which has been marked as \" charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' The account was closed due to inactivity. \n\nXXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off, '' with the balance reported as a \" loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. TransUnion reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.\n\nAdditionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. \n\nI request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the \" charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. \n\nI have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. \n\nThank you for your prompt attention to this matter. I look forward to your timely response.","date_sent_to_company":"2024-09-08T23:43:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10057685","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-08T23:34:42.000Z","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":["Subject : Dispute of inaccurate information on my credit report <em>Account</em> Number : <em>XXXX</em> Credit Bureau : Transunion <em>Account</em> Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in <em>Lending</em> Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my <em>account</em> with [ creditor name, e.g., <em>XXXX</em> XXXXXXXX <em>XXXX</em> ], which has been marked as \" <em>charge</em>-off. '' After reviewing my credit"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.804725,"10057685"]},{"_index":"complaint-public-v1","_id":"10057605","_score":15.804725,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : Transunion Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as \" charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off. '' The account was closed due to inactivity. \n\nXXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as \" Charged off, '' with the balance reported as a \" loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. TransUnion reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.\n\nAdditionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. \n\nI request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the \" charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. \n\nI have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. \n\nThank you for your prompt attention to this matter. I look forward to your timely response.","date_sent_to_company":"2024-09-08T23:43:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10057605","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-08T23:43:35.000Z","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":["Subject : Dispute of inaccurate information on my credit report <em>Account</em> Number : <em>XXXX</em> Credit Bureau : Transunion <em>Account</em> Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in <em>Lending</em> Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my <em>account</em> with [ creditor name, e.g., <em>XXXX</em> <em>XXXX</em> XXXXXXXX ], which has been marked as \" <em>charge</em>-off. '' After reviewing my credit"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.804725,"10057605"]},{"_index":"complaint-public-v1","_id":"3924969","_score":15.6302395,"_source":{"product":"Debt collection","complaint_what_happened":"I had a loan with AFS Acceptance in XXXX. I was paying perfectly never a late payment until my mother went into the hospital in XXXX. The loan was charged off in XXXX with me owing just over {$5000.00}. I disputed some incorrect information they were reporting and in spite they changed the amount that I owed. Every month they report this charged off account as a late payment and they continue to they charging interest on a charged off account. This was NEVER in the agreement that I signed saying I will pay interest on a charged off account. They amount owed is well over {$10000.00} now. That's double the amount that I owe. Since this account was charged off at just over XXXX at which point the account by law is closed to future charges. Per your agency 's guidance a debt collector may not collect any interest or fee not authorized by the agreement or by law. This company is obligated by the Truth in Lending Act to send monthly statements which I have not received. Under the code of the District of Columbia XXXX  the collection of or the attempt to collect any interest or other charge, fee, or expense incidental to the principal obligation unless such interest or incidental fee, charge, or expense is expressly authorized by the agreement creating the obligation and legally chargeable to the consumer or unless such interest or incidental fee, charge, or expense is expressly authorized by law ; Again I didn't signed anything stating this.","date_sent_to_company":"2020-10-29T18:06:49.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"208XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3924969","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Bepensa Capital, Inc.","date_received":"2020-10-28T13:02:30.000Z","state":"MD","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This was NEVER in the agreement that I signed saying I will pay interest on a charged off <em>account</em>. They amount owed is well over {$10000.00} now. That's double the amount that I owe. Since this <em>account</em> was charged off at just over <em>XXXX</em> at which point the <em>account</em> by law is <em>closed</em> to future <em>charges</em>. Per <em>your</em> agency 's guidance a debt collector may not collect any interest or fee not authorized by the agreement or by law."]},"sort":[15.6302395,"3924969"]},{"_index":"complaint-public-v1","_id":"8367643","_score":15.456059,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Reporting and Violation of 15 USC 1681B - Account with Global Lending Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Global Lending Services for their inaccurate reporting of a paid-in-full charge-off on my credit report. I believe this action is in violation of the Fair Credit Reporting Act ( 15 USC 1681B ). The details of the account in question are as follows : Account Information : Account Name : GLOBAL LENDING SERVICES Account Number : XXXX Account Type : Auto Loan Responsibility : Joint Date Opened : XX/XX/XXXX Status : Paid, Closed. {$2500.00} written off. \nStatus Updated : XX/XX/XXXX Original Balance : {$32000.00} Balance : - Monthly Payment : - Terms : 73 Months Despite the account being marked as \" Paid, Closed '' and a charge-off amount of {$2500.00} written off, it has not been removed from my credit report. This inaccurate reporting is adversely affecting my credit score and financial standing. \n\nI would like to bring to your attention the Fair Credit Reporting Act, specifically Section 604, which states : 15 USC 1681B - Permissible Purposes of Consumer Reports ( a ) In general Subject to section 1681b of this title, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe -- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; and ( B ) has certified to the consumer reporting agency that -- ( i ) the consumer report will be used for a permissible purpose ; and ( ii ) the consumer report will not be used for any other purpose. \n\nI am requesting a thorough investigation into this matter and the immediate removal of the inaccurate information from my credit report in accordance with the Fair Credit Reporting Act. I believe that such action is necessary to ensure the fair and accurate representation of my credit history. \n\nI have attached supporting documentation, including proof of payment and closure of the account. I appreciate your prompt attention to this matter and look forward to a resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-18T15:56:35.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"33065","tags":null,"has_narrative":true,"complaint_id":"8367643","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2024-02-18T15:42:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["The details of the <em>account</em> in question are as follows : <em>Account</em> Information : <em>Account</em> Name : GLOBAL <em>LENDING</em> SERVICES <em>Account</em> Number : <em>XXXX</em> <em>Account</em> Type : Auto Loan Responsibility : Joint Date Opened : XX/XX/<em>XXXX</em> Status : Paid, <em>Closed</em>. {$2500.00} written off."],"issue":["Incorrect information on <em>your</em> report"],"company":["Global <em>Lending</em> Services LLC"],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[15.456059,"8367643"]},{"_index":"complaint-public-v1","_id":"4362910","_score":15.274256,"_source":{"product":"Debt collection","complaint_what_happened":"i have looked on all my credit reports an do not show an account for which midland credit management is trying to charge me for over XXXX dfollars. i have called trying to speak to a manager an get the run around or get told the manager doesnt wan na speak to you an to call later. was also told to bad it has the last of your social your gon na pay it. looked when i was thinking of buying a house to pay just to get it removed off my credit but after speaking with my lender an him an i both not seeing such a card on my credit we decided not to an to try an have it removed. midland credit management does not care just says i need to pay an i can not speak with a manager. \n\nif needed i will supply you with my credit reports showing i have never had a open, closed, an or even charged off account on my credit other then midland funding trying to impose there will to wrongfully collect from me","date_sent_to_company":"2021-05-09T16:03:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"79705","tags":"Servicemember","has_narrative":true,"complaint_id":"4362910","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2021-05-09T15:53:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["i have looked on all my credit reports an do not show an <em>account</em> for which midland credit management is trying to <em>charge</em> me for over <em>XXXX</em> dfollars. i have called trying to speak to a manager an get the run around or get told the manager doesnt wan na speak to you an to call later. was also told to bad it has the last of <em>your</em> social <em>your</em> gon na pay it. looked when i was thinking of buying a house to pay just to get it removed off my credit but after speaking with my <em>lender</em> an him an i both not seeing"]},"sort":[15.274256,"4362910"]},{"_index":"complaint-public-v1","_id":"10017831","_score":15.248634,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally lodge a complaint against American Express regarding their unfair and predatory practices concerning my business credit card account. \nIn XX/XX/year>, I was issued a business credit card from American Express, which was marketed as offering 0 % APR for the first XXXX  months. However, after a few months of use, I encountered an issue that I believe is not only unfair but also predatory in nature. \nFor a period of XXXX months, American Express XXXX XXXX to exceed the credit limit on my card without any immediate consequences or notifications indicating that I was doing so. Based on this lack of response from American Express, I reasonably assumed that additional charges beyond the credit limit were permissible, and that the card would decline transactions if the limit was reached. \nTo my surprise and detriment, American Express subsequently increased my APR to approximately 20 %, with the rationale that I had spent over the credit limit. This abrupt increase in APR, without prior notice or a warning that I was exceeding the limit, feels deceptive and is causing me significant financial harm. \nIt is my understanding that if a credit card 's limit is reached, additional charges should not be processed. Instead, American Express not only allowed these charges but also retroactively penalized me for actions that they implicitly permitted. I believe this is a clear violation of fair lending practices and request that the CFPB investigate this matter. \nJustification for Complaint : Implicit Permission to Exceed Credit Limit : By allowing me to exceed my credit limit repeatedly without notifying me or declining transactions, American Express may have created a reasonable expectation that these actions were permitted without consequences. The sudden penalty in the form of a higher APR could be seen as unfair and deceptive. \nLack of Communication : Credit card companies are generally expected to notify cardholders if they exceed their credit limits or if any actions could lead to significant changes in the terms of their account, such as an increase in APR. If American Express did not provide such notifications, this could be a violation of fair lending practices. \nPredatory Nature of the XXXX Increase : The sudden increase in XXXX to 20 % after the initial 0 % promotional period, particularly if it was triggered by actions implicitly permitted by American Express, could be viewed as predatory. This is especially true if the increase imposes a significant financial burden on me. \nComparable Experience with Other Lenders : I currently have XXXX other credit cards with major lenders, including Capital XXXX, Bank XXXX XXXX, and XXXX. Additionally, I have had accounts with XXXX and XXXX, which were closed due to intentional inactivity. In my experience with these other lenders, I have never encountered an issue of this nature. The practices Ive encountered with American Express are both unprecedented and deeply concerning. \nGiven these factors, I believe that filing this complaint with the CFPB is justified. The CFPBs role in protecting consumers from unfair and abusive financial practices is crucial, and I hope that this complaint will not only help resolve my issue but also bring attention to practices that might be affecting other consumers as well. \nThank you for your attention to this matter. I look forward to your prompt response and any assistance you can provide in resolving this issue.","date_sent_to_company":"2024-09-04T15:34:42.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"20814","tags":null,"has_narrative":true,"complaint_id":"10017831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-09-04T15:21:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["Additionally, I have had <em>accounts</em> with <em>XXXX</em> and <em>XXXX</em>, which were <em>closed</em> due to intentional inactivity. In my experience with these <em>other</em> <em>lenders</em>, I have never encountered an issue of this nature. The practices Ive encountered with American Express are both unprecedented and deeply concerning. \nGiven these factors, I believe that filing this complaint with the CFPB is justified."],"sub_product":["General-purpose credit card or <em>charge</em> card"]},"sort":[15.248634,"10017831"]},{"_index":"complaint-public-v1","_id":"10058095","_score":15.182581,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX XXXX Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a \" charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( TransUnion, XXXX, and XXXX ) : TransUnion : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as \" Charged off. '' XXXX : XXXX reported balance : $ XXXXCurrent balance owed : {$2600.00} Payment status : Closed, reported as \" Charged off. '' XXXX : XXXX reported balance : {$2600.00} XXXX balance owed : {$2600.00} Payment status : Closed, reported as \" Charged off, '' additionally noting that the balance was \" reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported.\n\nUnder the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus.\n\nI request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible.\n\nI have attached copies of my credit report highlighting the discrepancies and the inaccurate information.\n\nThank you for your prompt attention to this matter. I look forward to your quick response.","date_sent_to_company":"2024-09-08T21:46:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10058095","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-08T21:31:47.000Z","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":["Subject : Dispute of inaccurate information on my credit report <em>Account</em> Number : <em>XXXX</em> Credit Bureau <em>XXXX</em> <em>XXXX</em> <em>Account</em> Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in <em>Lending</em> Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the <em>account</em> I hold with [ creditor name, e.g.<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX ], which has been marked as a \" <em>charge</em>-off. '' After reviewing my"],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[15.182581,"10058095"]},{"_index":"complaint-public-v1","_id":"10058491","_score":15.169796,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX TRASUNION Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a \" charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( TransUnion, XXXX, and XXXX ) : TransUnion : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as \" Charged off. '' XXXX : Highest reported balance : $ XXXX balance owed : {$2600.00} Payment status : Closed, reported as \" Charged off. '' XXXX : Highest reported balance : {$2600.00} Current balance owed : {$2600.00} Payment status : Closed, reported as \" Charged off, '' additionally noting that the balance was \" reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported. \n\nUnder the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus. \n\nI request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. \n\nI have attached copies of my credit report highlighting the discrepancies and the inaccurate information. \n\nThank you for your prompt attention to this matter. I look forward to your quick response.","date_sent_to_company":"2024-09-08T21:47:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10058491","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-08T21:47:08.000Z","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":["Subject : Dispute of inaccurate information on my credit report <em>Account</em> Number : <em>XXXX</em> Credit Bureau <em>XXXX</em> TRASUNION <em>Account</em> Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in <em>Lending</em> Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the <em>account</em> I hold with [ creditor name, e.g.<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX ], which has been marked as a \" <em>charge</em>-off. 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