{"took":143,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":89,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4621608","_score":21.50178,"_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> <em>Marked</em> 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":[21.50178,"4621608"]},{"_index":"complaint-public-v1","_id":"4621746","_score":21.501469,"_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> <em>Marked</em> 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":[21.501469,"4621746"]},{"_index":"complaint-public-v1","_id":"12550231","_score":21.064137,"_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 <em>marked</em> as \" <em>closed</em> '' and charged-off/written off, but I have not"]},"sort":[21.064137,"12550231"]},{"_index":"complaint-public-v1","_id":"18130376","_score":20.34466,"_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":[20.34466,"18130376"]},{"_index":"complaint-public-v1","_id":"12551556","_score":20.105013,"_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 <em>marked</em> as `` <em>closed</em> '' and charged-off"]},"sort":[20.105013,"12551556"]},{"_index":"complaint-public-v1","_id":"10057608","_score":19.170076,"_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 <em>marked</em> 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":[19.170076,"10057608"]},{"_index":"complaint-public-v1","_id":"10061540","_score":19.167055,"_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 <em>marked</em> 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":[19.167055,"10061540"]},{"_index":"complaint-public-v1","_id":"10063259","_score":19.158752,"_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 <em>marked</em> 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":[19.158752,"10063259"]},{"_index":"complaint-public-v1","_id":"10061827","_score":19.158752,"_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 <em>marked</em> 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":[19.158752,"10061827"]},{"_index":"complaint-public-v1","_id":"10063258","_score":19.157183,"_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 <em>marked</em> 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":[19.157183,"10063258"]},{"_index":"complaint-public-v1","_id":"10061542","_score":19.145105,"_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 <em>marked</em> 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":[19.145105,"10061542"]},{"_index":"complaint-public-v1","_id":"10057685","_score":19.145105,"_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 <em>marked</em> 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":[19.145105,"10057685"]},{"_index":"complaint-public-v1","_id":"10057605","_score":19.145105,"_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 <em>marked</em> 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":[19.145105,"10057605"]},{"_index":"complaint-public-v1","_id":"8367643","_score":18.795471,"_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":[18.795471,"8367643"]},{"_index":"complaint-public-v1","_id":"10058095","_score":18.521917,"_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 <em>marked</em> 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":[18.521917,"10058095"]},{"_index":"complaint-public-v1","_id":"10058491","_score":18.506878,"_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 <em>marked</em> as a \" <em>charge</em>-off. '' After reviewing"],"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":[18.506878,"10058491"]},{"_index":"complaint-public-v1","_id":"10063527","_score":18.492153,"_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 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 ], which has been marked as a \" charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as \" Charged off. '' Experian : Highest reported balance : XXXX XXXXCurrent 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 Experian 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 high lighting 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":"2024-09-08T21:29:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10063527","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-08T21:04:59.000Z","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 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> ], which has been <em>marked</em> as a \" <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":[18.492153,"10063527"]},{"_index":"complaint-public-v1","_id":"10063336","_score":18.492153,"_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 Experian 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 XXXXXXXX ], which has been marked as a \" charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as \" Charged off. '' Experian : 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 Experian 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 high lighting 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":"2024-09-08T21:29:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10063336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-08T21:29:45.000Z","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> Experian <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> XXXXXXXX ], which has been <em>marked</em> 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":[18.492153,"10063336"]},{"_index":"complaint-public-v1","_id":"10058494","_score":18.483215,"_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 : 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 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":"10058494","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 : 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> XXXXXXXX ], which has been <em>marked</em> as a \" <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":[18.483215,"10058494"]},{"_index":"complaint-public-v1","_id":"10063337","_score":18.468712,"_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 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 ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as \" Charged off. '' Experian : 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 Experian 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 high lighting 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":"2024-09-08T21:29:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10063337","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-08T21:29:45.000Z","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 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 <em>marked</em> 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":[18.468712,"10063337"]},{"_index":"complaint-public-v1","_id":"17823337","_score":18.169842,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOBXXXX Last 4 of SSNXXXX I am submitting this complaint regarding Exeter Finance for furnishing incorrect , inconsistent, and unverifiable derogatory information to XXXX XXXX and XXXX  XXXX These errors violate the Fair Credit Reporting Act ( FCRA ) and continue to cause significant harm to my credit. \n\nACCOUNT INFORMATION Creditor : Exeter Finance / Exeter Finance LLC Account Number ( partial ) : XXXX / XXXX Open Date : XX/XX/XXXX Closed Date : XXXX  : Not reported | XXXX  : XX/XX/XXXX | XXXX  : Not reported Loan Type : Vehicle Loan Terms : 73 Months Status : Closed / Charged Off / Purchased by Another Lender 1. Last Updated Dates Are Inconsistent Across Bureaus XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX. Charge-Off Status Is Not Consistent XXXX  : Charge Off / Other Derog XXXX  : Bad debt/collection XXXX  : None Reported ( but marked Purchased by Another Lender ) 3. Payment History Contradictions XXXX : Experian : CO ( XXXX ) XXXX  : CO ( XXXX ) XXXX  : XXXX for all months XXXX : XXXX  : CO for all months XXXX  : CO for all months XXXX  : XXXX all months XXXX : XXXX  : XXXX late ( XX/XX/XXXX ), XXXX late ( XX/XX/XXXX ), XXXX late ( XX/XX/XXXX ), CO ( XXXX ) XXXX  : XXXX late ( XX/XX/XXXX ), XXXX late ( XX/XX/XXXX ), XXXX late ( XX/XX/XXXX ), CO ( XXXX ) XXXX  : No payment history reported at all XXXX XXXX XXXX 4. Older Derogatory Events Inconsistent XXXX late : XXXX  : XX/XX/XXXX | XXXX  : XX/XX/XXXX | XXXX  : None XXXX late : XXXX  : XX/XX/XXXX | XXXX  : XX/XX/XXXX | XXXX  : None XXXX late spans differ between all three bureaus. \n\n5. Account Status Conflicts XXXX  : Charged off bad debt XXXX  : Charge Off / Other Derogatory XXXX  : Purchased by another lender 6. XXXX  Stopped Reporting After XX/XX/XXXX Despite Continued Updates on Other Bureaus Thank you for your attention to this matter. I request a full investigation into Exeter Finance.","date_sent_to_company":"2025-12-08T09:29:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33511","tags":null,"has_narrative":true,"complaint_id":"17823337","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2025-12-08T09:11:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Charge</em>-Off Status Is Not Consistent <em>XXXX</em>  : <em>Charge</em> Off / <em>Other</em> Derog <em>XXXX</em>  : Bad debt/collection <em>XXXX</em>  : None Reported ( but <em>marked</em> Purchased by Another <em>Lender</em> ) 3."],"product":["Credit reporting or <em>other</em> personal consumer reports"],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[18.169842,"17823337"]},{"_index":"complaint-public-v1","_id":"10063637","_score":17.589727,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of inaccurate information on my credit report Account Number XXXX XXXX Credit Bureau XXXX EQUIFAX 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.gXXXX XXXX XXXX XXXX XXXX, which has been marked as a \" charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX' XXXX : Highest reported balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : 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.Sincerely,","date_sent_to_company":"2024-09-08T21:00:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"10063637","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-08T21:00:33.000Z","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> <em>XXXX</em> Credit Bureau <em>XXXX</em> EQUIFAX <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> <em>XXXX</em> <em>XXXX</em>, which has been <em>marked</em> as a \" <em>charge</em>-off. '' After reviewing"],"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":[17.589727,"10063637"]},{"_index":"complaint-public-v1","_id":"15063092","_score":17.522768,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Email-Confidential Date : XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Violations of the FCRA and Metro 2 Compliance by Credit Reporting Agencies Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and non-compliance with Metro 2 data reporting standards by one or more credit reporting agencies ( CRAs ) and/or data furnishers. These violations have resulted in the inaccurate reporting of information on my consumer credit report, which continues to adversely impact my financial standing. \nDespite my good faith efforts to dispute the inaccurate and unverifiable information, the reporting entities have failed to perform a reasonable investigation and correct or remove the disputed items as required under FCRA 1681i. Furthermore, the information continues to be reported in a manner that contradicts Metro 2 Compliance guidelines, which are the industry standard for accurately furnishing credit data. This includes, but is not limited to, the misreporting of account statuses, balances, and dates of delinquency or charge-off.\n\nUnder the FCRA, I am entitled to accurate reporting and prompt correction of errors. Willful noncompliance or negligence by CRAs and furnishers may subject them to statutory damages of {$100.00} to {$1000.00} per violation, actual damages, punitive damages, and legal costs. The continued inaccurate reporting, combined with failure to correct the information upon dispute, constitutes willful disregard of the law and my consumer rights. \nI respectfully request that the Consumer Financial Protection Bureau initiate an investigation into these violations and ensure that the CRAs and/or data furnishers in question are held accountable. Please let me know if you require any documentation or evidence I have collected regarding this matter. I am fully prepared to provide copies of my disputes, credit reports, correspondence, and any other relevant materials. \nBelow are 3 data furnishers who reported serious inaccuracies on the credit report on Transunion and Experian, Equifax. I dot each of them. Attached are 3 screen shots of all 3 data furnishers.\n\nData Furnisher XXXX XXXX XXXX XXXX XXXX Reported 10 inaccurate on my credit report marked RED. 1. High Balances are different. 2. Last verified dates are missing and a reported date. 3. Date of last activity are different. 4. Date reported are different. 5. Date opened are different. 6. Closed dates are different. 7. Payment Status are different. 8. Original Creditor is missing. 9. Last payment is different. 10. Credit limits are different. This is undisputable proof of serious FCRA violations with attached screen shots and the credit report attached. Remember the law states the data furnishers, CRA have an obligation to report accurate information. Since the last date reported show XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to current XX/XX/XXXX that over 15 days of damages causes by these inaccuracies Demand immediate removal of Account and settlement offer of XXXX due to the violations. \n\nXXXX XXXX XXXX XXXX XXXX reported 7 inaccuracies on my credit report marked RED. 1. High Balance is different. 2. Last verified shows a date and the other is completely blank. 3. Date of Last activity is different. 4. Date opened is different. 5. Closed Date is different. 6. Creditor Remarks on one say dispute resolve, charge off etc., however can that be whereas on marked # 2 showed blank on Experian last verified. Experian literally lied and failed to investigate this matter. 7. Original Creditor shows blank. This is undisputable proof of serious FCRA violations with attached screen shots and the credit report attached. Remember the law states the data furnishers, CRA have an obligation to report accurate information. Since the last date reported show XX/XX/XXXX, XX/XX/XXXX to current XX/XX/XXXX that over 10 days of damages causes by these inaccuracies Demand immediate removal of Account and settlement offer of XXXX due to the violations. \nData Furnisher XXXX XXXX XXXX XXXX XXXX reported 6 inaccuracies to my credit report marked RED. 1. High Balance is different. 2. Last Verified shows a date and the other a blank. 3. Date of Last Activity shows two different dates. 4. Date opened shows two different dates. 5. Closed date shows two different dates. 6. Creditor Remarks show Charged off/Bad Debt-Purchase by another lender. But failed to identify the other lender and forward to the consumer form 1099a and 1099c. Technically speaking this data furnisher is reporting INCOME. Which is ILLEGAL. XXXX XXXX clearly in writing stated it as a BAD DEBT. So, on their returns its a loss, with probably insuring said account received compensation, never forward any 1099, or the XXXX # associated with the XXXX  XXXX  backed security. XXXX also violated the arbitration agreement by having the next lender sue to recover the alleged debt. \nDemand immediate removal of Account and Settlement offer of XXXX due to the violations. \n\n\nThank you for your attention to this serious matter. \nSincerely, XXXX XXXXXXXX XXXXXX/XX/XXXX","date_sent_to_company":"2025-08-04T05:27:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44108","tags":null,"has_narrative":true,"complaint_id":"15063092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-04T05:05:28.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Closed</em> date shows two different dates. 6. Creditor Remarks show Charged off/Bad Debt-Purchase by another <em>lender</em>. But failed to identify the <em>other</em> <em>lender</em> and forward to the consumer form 1099a and 1099c. Technically speaking this data furnisher is reporting INCOME. Which is ILLEGAL. <em>XXXX</em> <em>XXXX</em> clearly in writing stated it as a BAD DEBT."],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[17.522768,"15063092"]},{"_index":"complaint-public-v1","_id":"15062043","_score":17.517742,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Email-Confidential Date : XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Violations of the FCRA and Metro 2 Compliance by Credit Reporting Agencies Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and non-compliance with Metro 2 data reporting standards by one or more credit reporting agencies ( CRAs ) and/or data furnishers. These violations have resulted in the inaccurate reporting of information on my consumer credit report, which continues to adversely impact my financial standing. \nDespite my good faith efforts to dispute the inaccurate and unverifiable information, the reporting entities have failed to perform a reasonable investigation and correct or remove the disputed items as required under FCRA 1681i. Furthermore, the information continues to be reported in a manner that contradicts Metro 2 Compliance guidelines, which are the industry standard for accurately furnishing credit data. This includes, but is not limited to, the misreporting of account statuses, balances, and dates of delinquency or charge-off.\n\nUnder the FCRA, I am entitled to accurate reporting and prompt correction of errors. Willful noncompliance or negligence by CRAs and furnishers may subject them to statutory damages of {$100.00} to {$1000.00} per violation, actual damages, punitive damages, and legal costs. The continued inaccurate reporting, combined with failure to correct the information upon dispute, constitutes willful disregard of the law and my consumer rights. \nI respectfully request that the Consumer Financial Protection Bureau initiate an investigation into these violations and ensure that the CRAs and/or data furnishers in question are held accountable. Please let me know if you require any documentation or evidence I have collected regarding this matter. I am fully prepared to provide copies of my disputes, credit reports, correspondence, and any other relevant materials. \nBelow are 3 data furnishers who reported serious inaccuracies on the credit report on Transunion and Experian, Equifax. I dot each of them. Attached are 3 screen shots of all 3 data furnishers.\n\nData Furnisher XXXX XXXX XXXX XXXX XXXX Reported 10 inaccurate on my credit report marked RED. 1. High Balances are different. 2. Last verified dates are missing and a reported date. 3. Date of last activity are different. 4. Date reported are different. 5. Date opened are different. 6. Closed dates are different. 7. Payment Status are different. 8. Original Creditor is missing. 9. Last payment is different. 10. Credit limits are different. This is undisputable proof of serious FCRA violations with attached screen shots and the credit report attached. Remember the law states the data furnishers, CRA have an obligation to report accurate information. Since the last date reported show XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to current XX/XX/XXXX that over 15 days of damages causes by these inaccuracies Demand immediate removal of Account and settlement offer of XXXX due to the violations. \n\nXXXX XXXX XXXX XXXX XXXX reported 7 inaccuracies on my credit report marked RED. 1. High Balance is different. 2. Last verified shows a date and the other is completely blank. 3. Date of Last activity is different. 4. Date opened is different. 5. Closed Date is different. 6. Creditor Remarks on one say dispute resolve, charge off etc., however can that be whereas on marked # 2 showed blank on Experian last verified. Experian literally lied and failed to investigate this matter. 7. Original Creditor shows blank. This is undisputable proof of serious FCRA violations with attached screen shots and the credit report attached. Remember the law states the data furnishers, CRA have an obligation to report accurate information. Since the last date reported show XX/XX/XXXX, XX/XX/XXXX to current XX/XX/XXXX that over 10 days of damages causes by these inaccuracies Demand immediate removal of Account and settlement offer of XXXX due to the violations. \nData Furnisher XXXX XXXX XXXX XXXX XXXX reported 6 inaccuracies to my credit report marked RED. 1. High Balance is different. 2. Last Verified shows a date and the other a blank. 3. Date of Last Activity shows two different dates. 4. Date opened shows two different dates. 5. Closed date shows two different dates. 6. Creditor Remarks show Charged off/Bad Debt-Purchase by another lender. But failed to identify the other lender and forward to the consumer form 1099a and 1099c. Technically speaking this data furnisher is reporting INCOME. Which is ILLEGAL. XXXX XXXX clearly in writing stated it as a BAD DEBT. So, on their returns its a loss, with probably insuring said account received compensation, never forward any 1099, or the XXXX # associated with the XXXX  XXXX  backed security. XXXX also violated the arbitration agreement by having the next lender sue to recover the alleged debt. \nDemand immediate removal of Account and Settlement offer of XXXX due to the violations. \n\n\nThank you for your attention to this serious matter. \nSincerely, XXXX XXXXXXXX XXXXXX/XX/XXXX","date_sent_to_company":"2025-08-04T05:27:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44108","tags":null,"has_narrative":true,"complaint_id":"15062043","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-04T05:26:31.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Closed</em> date shows two different dates. 6. Creditor Remarks show Charged off/Bad Debt-Purchase by another <em>lender</em>. But failed to identify the <em>other</em> <em>lender</em> and forward to the consumer form 1099a and 1099c. Technically speaking this data furnisher is reporting INCOME. Which is ILLEGAL. <em>XXXX</em> <em>XXXX</em> clearly in writing stated it as a BAD DEBT."],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[17.517742,"15062043"]},{"_index":"complaint-public-v1","_id":"15062042","_score":17.51191,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Email-Confidential Date : XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Violations of the FCRA and Metro 2 Compliance by Credit Reporting Agencies Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and non-compliance with Metro 2 data reporting standards by one or more credit reporting agencies ( CRAs ) and/or data furnishers. These violations have resulted in the inaccurate reporting of information on my consumer credit report, which continues to adversely impact my financial standing. \nDespite my good faith efforts to dispute the inaccurate and unverifiable information, the reporting entities have failed to perform a reasonable investigation and correct or remove the disputed items as required under FCRA 1681i. Furthermore, the information continues to be reported in a manner that contradicts Metro 2 Compliance guidelines, which are the industry standard for accurately furnishing credit data. This includes, but is not limited to, the misreporting of account statuses, balances, and dates of delinquency or charge-off.\n\nUnder the FCRA, I am entitled to accurate reporting and prompt correction of errors. Willful noncompliance or negligence by CRAs and furnishers may subject them to statutory damages of {$100.00} to {$1000.00} per violation, actual damages, punitive damages, and legal costs. The continued inaccurate reporting, combined with failure to correct the information upon dispute, constitutes willful disregard of the law and my consumer rights. \nI respectfully request that the Consumer Financial Protection Bureau initiate an investigation into these violations and ensure that the CRAs and/or data furnishers in question are held accountable. Please let me know if you require any documentation or evidence I have collected regarding this matter. I am fully prepared to provide copies of my disputes, credit reports, correspondence, and any other relevant materials. \nBelow are 3 data furnishers who reported serious inaccuracies on the credit report on Transunion and Experian, Equifax. I dot each of them. Attached are 3 screen shots of all 3 data furnishers.\n\nData Furnisher XXXX XXXX XXXX XXXX XXXX Reported 10 inaccurate on my credit report marked RED. 1. High Balances are different. 2. Last verified dates are missing and a reported date. 3. Date of last activity are different. 4. Date reported are different. 5. Date opened are different. 6. Closed dates are different. 7. Payment Status are different. 8. Original Creditor is missing. 9. Last payment is different. 10. Credit limits are different. This is undisputable proof of serious FCRA violations with attached screen shots and the credit report attached. Remember the law states the data furnishers, CRA have an obligation to report accurate information. Since the last date reported show XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to current XX/XX/XXXX that over 15 days of damages causes by these inaccuracies Demand immediate removal of Account and settlement offer of XXXX due to the violations. \n\nXXXX XXXX XXXX XXXX XXXX reported 7 inaccuracies on my credit report marked RED. 1. High Balance is different. 2. Last verified shows a date and the other is completely blank. 3. Date of Last activity is different. 4. Date opened is different. 5. Closed Date is different. 6. Creditor Remarks on one say dispute resolve, charge off etc., however can that be whereas on marked # 2 showed blank on Experian last verified. Experian literally lied and failed to investigate this matter. 7. Original Creditor shows blank. This is undisputable proof of serious FCRA violations with attached screen shots and the credit report attached. Remember the law states the data furnishers, CRA have an obligation to report accurate information. Since the last date reported show XX/XX/XXXX, XX/XX/XXXX to current XX/XX/XXXX that over 10 days of damages causes by these inaccuracies Demand immediate removal of Account and settlement offer of XXXX due to the violations. \nData Furnisher XXXX XXXX XXXX XXXX XXXX reported 6 inaccuracies to my credit report marked RED. 1. High Balance is different. 2. Last Verified shows a date and the other a blank. 3. Date of Last Activity shows two different dates. 4. Date opened shows two different dates. 5. Closed date shows two different dates. 6. Creditor Remarks show Charged off/Bad Debt-Purchase by another lender. But failed to identify the other lender and forward to the consumer form 1099a and 1099c. Technically speaking this data furnisher is reporting INCOME. Which is ILLEGAL. XXXX XXXX clearly in writing stated it as a BAD DEBT. So, on their returns its a loss, with probably insuring said account received compensation, never forward any 1099, or the XXXX # associated with the XXXX  XXXX  backed security. XXXX also violated the arbitration agreement by having the next lender sue to recover the alleged debt. \nDemand immediate removal of Account and Settlement offer of XXXX due to the violations. \n\n\nThank you for your attention to this serious matter. \nSincerely, XXXX XXXXXXXX XXXXXX/XX/XXXX","date_sent_to_company":"2025-08-04T05:27:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44108","tags":null,"has_narrative":true,"complaint_id":"15062042","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-04T05:26:31.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Closed</em> date shows two different dates. 6. 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