{"took":61,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1397,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15412295","_score":15.099146,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"am formally disputing the accuracy of one or more accounts on my Experian consumer credit file. The details of this dispute, along with supporting legal analysis, evidence, and citations, are enclosed in the attached package.\n\nThis dispute is not suitable for automated handling. It must be escalated to a compliance officer for manual review, as the issues raised include legal contradictions, material inaccuracies, and violations of federal law that can not be properly addressed through Experians e-OSCAR or automated dispute systems.\n\nThe enclosed demand letter outlines the specific accounts in question, demonstrates factual and legal inconsistencies, and cites the relevant provisions of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and governing case law.\n\nYou are required under federal law to conduct a reasonable reinvestigation and to delete or correct all inaccurate or unverifiable items within the statutory timeframe.\n\nPlease confirm in writing that this dispute has been escalated to a senior compliance officer and provide the results of your reinvestigation within the time allowed by law.","date_sent_to_company":"2025-08-20T14:46:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"773XX","tags":null,"has_narrative":true,"complaint_id":"15412295","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-20T14:45:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The details of this dispute, along with supporting <em>legal</em> analysis, evidence, and citations, are enclosed in the attached package.\n\nThis dispute is not suitable for automated handling. It must be escalated to a compliance officer for <em>manual</em> review, as the issues raised include <em>legal</em> contradictions, material inaccuracies, and violations of federal law that can not be properly addressed through Experians e-OSCAR or automated dispute systems."]},"sort":[15.099146,"15412295"]},{"_index":"complaint-public-v1","_id":"15414655","_score":15.095078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"am formally disputing the accuracy of one or more accounts on my Experian consumer credit file. The details of this dispute, along with supporting legal analysis, evidence, and citations, are enclosed in the attached package.\n\nThis dispute is not suitable for automated handling. It must be escalated to a compliance officer for manual review, as the issues raised include legal contradictions, material inaccuracies, and violations of federal law that can not be properly addressed through Experians e-OSCAR or automated dispute systems.\n\nThe enclosed demand letter outlines the specific accounts in question, demonstrates factual and legal inconsistencies, and cites the relevant provisions of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and governing case law.\n\nYou are required under federal law to conduct a reasonable reinvestigation and to delete or correct all inaccurate or unverifiable items within the statutory timeframe.\n\nPlease confirm in writing that this dispute has been escalated to a senior compliance officer and provide the results of your reinvestigation within the time allowed by law.","date_sent_to_company":"2025-08-20T14:46:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"773XX","tags":null,"has_narrative":true,"complaint_id":"15414655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-20T14:35:40.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The details of this dispute, along with supporting <em>legal</em> analysis, evidence, and citations, are enclosed in the attached package.\n\nThis dispute is not suitable for automated handling. It must be escalated to a compliance officer for <em>manual</em> review, as the issues raised include <em>legal</em> contradictions, material inaccuracies, and violations of federal law that can not be properly addressed through Experians e-OSCAR or automated dispute systems."]},"sort":[15.095078,"15414655"]},{"_index":"complaint-public-v1","_id":"15395353","_score":15.095078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"am formally disputing the accuracy of one or more accounts on my Experian consumer credit file. The details of this dispute, along with supporting legal analysis, evidence, and citations, are enclosed in the attached package.\n\nThis dispute is not suitable for automated handling. It must be escalated to a compliance officer for manual review, as the issues raised include legal contradictions, material inaccuracies, and violations of federal law that can not be properly addressed through Experians e-OSCAR or automated dispute systems.\n\nThe enclosed demand letter outlines the specific accounts in question, demonstrates factual and legal inconsistencies, and cites the relevant provisions of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and governing case law.\n\nYou are required under federal law to conduct a reasonable reinvestigation and to delete or correct all inaccurate or unverifiable items within the statutory timeframe.\n\nPlease confirm in writing that this dispute has been escalated to a senior compliance officer and provide the results of your reinvestigation within the time allowed by law.","date_sent_to_company":"2025-08-20T14:46:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"773XX","tags":null,"has_narrative":true,"complaint_id":"15395353","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-20T14:45:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The details of this dispute, along with supporting <em>legal</em> analysis, evidence, and citations, are enclosed in the attached package.\n\nThis dispute is not suitable for automated handling. It must be escalated to a compliance officer for <em>manual</em> review, as the issues raised include <em>legal</em> contradictions, material inaccuracies, and violations of federal law that can not be properly addressed through Experians e-OSCAR or automated dispute systems."]},"sort":[15.095078,"15395353"]},{"_index":"complaint-public-v1","_id":"12751425","_score":13.301905,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Follow-up to CFPB Complaint # XXXX Verified Identity, Deliberate Delay, and Ongoing FCRA Violations I am submitting this update to formally document that Equifax is willfully stalling and obstructing my dispute, in direct violation of the Fair Credit Reporting Act ( FCRA 611 ) and related provisions. \n\nOn XX/XX/year>, I mailed a complete dispute package via certified mail. It included : A copy of my drivers license A copy of my Social Security card A written dispute letter, explicitly requesting a manual reinvestigation and a clear disclosure of the method of verification used ( i.e., not e-OSCAR or any automated system ) Proof of my current address Equifax received and signed for this package on XX/XX/year>. \n\nSince then, over 40 days have passed, and Equifax has failed to : Complete the investigation within the 30-day legal timeframe Provide a final determination or resolution Disclose how the dispute was verified ( manual or automated ) Remove outdated or inaccurate personal address information, despite multiple previous disputes What makes this more egregious is that Equifax mailed a response regarding this very CFPB complaint to my current address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nThis confirms they have verified my identity and residence yet they continue to falsely claim they can not confirm this information to justify not processing my dispute. That contradiction is not only unprofessional it demonstrates intentional obstruction and noncompliance with FCRA obligations.\n\nThis behavior is part of a documented pattern of delays, unaddressed disputes, and refusal to update or remove clearly outdated or inaccurate data. Equifax has repeatedly : Ignored valid disputes Failed to initiate reasonable investigations Refused to delete incorrect addresses Ignored physical documentation already submitted Requested Resolution : I am requesting immediate CFPB intervention and enforcement. Specifically, I am demanding that Equifax : Fully process and resolve my dispute within 7 business days Provide a written disclosure of the method of verification used ( manual review vs. automated e-OSCAR ) Remove all outdated personal information and correct all disputed tradelines Provide written confirmation of these actions If Equifax does not comply, I will escalate this matter further through : The Federal Trade Commission ( FTC ) The Georgia Attorney Generals office And initiate civil litigation under FCRA XXXX for statutory, actual, and punitive damages Their continued delay is harming my credit profile, disrupting housing opportunities, and causing significant emotional and financial strain. I am maintaining a full legal record of Equifaxs conduct for use in any forthcoming legal proceedings.","date_sent_to_company":"2025-04-01T02:44:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31313","tags":"Servicemember","has_narrative":true,"complaint_id":"12751425","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-01T02:27:39.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am maintaining a full <em>legal</em> record of Equifaxs conduct for use in any forthcoming <em>legal</em> proceedings."]},"sort":[13.301905,"12751425"]},{"_index":"complaint-public-v1","_id":"11038336","_score":12.7932415,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.\n\nThank you for your time and help in this matter.\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-05T20:14:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44121","tags":null,"has_narrative":true,"complaint_id":"11038336","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-05T20:14:28.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX"]},"sort":[12.7932415,"11038336"]},{"_index":"complaint-public-v1","_id":"11038358","_score":12.777259,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.\n\nThank you for your time and help in this matter.\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-05T20:14:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44121","tags":null,"has_narrative":true,"complaint_id":"11038358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-05T20:14:28.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX"]},"sort":[12.777259,"11038358"]},{"_index":"complaint-public-v1","_id":"12627466","_score":12.76672,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal dispute to TransUnion regarding an inaccurate XXXX XXXX XXXXXXXX account ( partial account number XXXX ), which is being improperly reported as a charge-off with numerous inconsistencies across all three credit bureaus. Despite providing proper identification and documentation, TransUnion failed to conduct a legally compliant reinvestigation and rejected my dispute by falsely claiming it was submitted by an unauthorized third party. \n\nThe account shows materially conflicting data, including different open dates, credit limits, and payment histories when compared across XXXX, XXXX, and TransUnion. This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) failure to maintain maximum accuracy, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate disputed data, 15 U.S.C. 1681s-2 ( b ) failure by the furnisher to validate or correct the account, 15 U.S.C. 1681i ( a ) ( 7 ) no description of reinvestigation process provided. \n\nAdditionally, TransUnions reliance on automated systems such as e-OSCAR, without a manual review of original documentation, fails to meet the legal standard for proper verification as established by case law ( XXXX XXXX  TransUnion, XXXXXXXX XXXX XXXX ).","date_sent_to_company":"2025-03-25T20:36:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80249","tags":null,"has_narrative":true,"complaint_id":"12627466","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-25T20:26:46.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Additionally, TransUnions reliance on automated systems such as e-OSCAR, without a <em>manual</em> review of original documentation, fails to meet the <em>legal</em> standard for proper verification as established by case law ( XXXX XXXX  TransUnion, XXXXXXXX XXXX XXXX )."]},"sort":[12.76672,"12627466"]},{"_index":"complaint-public-v1","_id":"11037545","_score":12.76405,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.\n\nThank you for your time and help in this matter.\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-05T20:14:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44121","tags":null,"has_narrative":true,"complaint_id":"11037545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-05T20:10:40.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX"]},"sort":[12.76405,"11037545"]},{"_index":"complaint-public-v1","_id":"12648800","_score":12.751161,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal dispute to TransUnion regarding an inaccurate XXXX XXXX XXXXXXXX account ( partial account number XXXX ), which is being improperly reported as a charge-off with numerous inconsistencies across all three credit bureaus. Despite providing proper identification and documentation, TransUnion failed to conduct a legally compliant reinvestigation and rejected my dispute by falsely claiming it was submitted by an unauthorized third party. \n\nThe account shows materially conflicting data, including different open dates, credit limits, and payment histories when compared across XXXX, XXXX, and TransUnion. This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) failure to maintain maximum accuracy, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate disputed data, 15 U.S.C. 1681s-2 ( b ) failure by the furnisher to validate or correct the account, 15 U.S.C. 1681i ( a ) ( 7 ) no description of reinvestigation process provided. \n\nAdditionally, TransUnions reliance on automated systems such as e-OSCAR, without a manual review of original documentation, fails to meet the legal standard for proper verification as established by case law ( XXXX XXXX  TransUnion, XXXXXXXX XXXX XXXX ).","date_sent_to_company":"2025-03-25T20:36:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80249","tags":null,"has_narrative":true,"complaint_id":"12648800","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-25T20:36:13.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Additionally, TransUnions reliance on automated systems such as e-OSCAR, without a <em>manual</em> review of original documentation, fails to meet the <em>legal</em> standard for proper verification as established by case law ( XXXX XXXX  TransUnion, XXXXXXXX XXXX XXXX )."]},"sort":[12.751161,"12648800"]},{"_index":"complaint-public-v1","_id":"12627750","_score":12.742768,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal dispute to TransUnion regarding an inaccurate XXXX XXXX XXXXXXXX account ( partial account number XXXX ), which is being improperly reported as a charge-off with numerous inconsistencies across all three credit bureaus. Despite providing proper identification and documentation, TransUnion failed to conduct a legally compliant reinvestigation and rejected my dispute by falsely claiming it was submitted by an unauthorized third party. \n\nThe account shows materially conflicting data, including different open dates, credit limits, and payment histories when compared across XXXX, XXXX, and TransUnion. This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) failure to maintain maximum accuracy, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate disputed data, 15 U.S.C. 1681s-2 ( b ) failure by the furnisher to validate or correct the account, 15 U.S.C. 1681i ( a ) ( 7 ) no description of reinvestigation process provided. \n\nAdditionally, TransUnions reliance on automated systems such as e-OSCAR, without a manual review of original documentation, fails to meet the legal standard for proper verification as established by case law ( XXXX XXXX  TransUnion, XXXXXXXX XXXX XXXX ).","date_sent_to_company":"2025-03-25T20:36:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80249","tags":null,"has_narrative":true,"complaint_id":"12627750","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-25T20:36:13.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Additionally, TransUnions reliance on automated systems such as e-OSCAR, without a <em>manual</em> review of original documentation, fails to meet the <em>legal</em> standard for proper verification as established by case law ( XXXX XXXX  TransUnion, XXXXXXXX XXXX XXXX )."]},"sort":[12.742768,"12627750"]},{"_index":"complaint-public-v1","_id":"11274772","_score":12.43437,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. \n\nThank you for your time and help in this matter. \n\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX Balance {$200.00} Date Opened XX/XX/XXXX 2022","date_sent_to_company":"2024-12-23T18:19:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44313","tags":null,"has_narrative":true,"complaint_id":"11274772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-23T18:15:42.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX Balance {$200.00} Date Opened XX/XX/XXXX 2022"]},"sort":[12.43437,"11274772"]},{"_index":"complaint-public-v1","_id":"11171250","_score":12.43437,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.\n\nThank you for your time and help in this matter.\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023","date_sent_to_company":"2024-12-17T00:36:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77045","tags":null,"has_narrative":true,"complaint_id":"11171250","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-17T00:36:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023"]},"sort":[12.43437,"11171250"]},{"_index":"complaint-public-v1","_id":"11270045","_score":12.412743,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. \n\nThank you for your time and help in this matter. \n\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX Balance {$200.00} Date Opened XX/XX/XXXX XXXX XXXX","date_sent_to_company":"2024-12-23T18:19:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44313","tags":null,"has_narrative":true,"complaint_id":"11270045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-23T18:19:33.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX Balance {$200.00} Date Opened XX/XX/XXXX XXXX XXXX"]},"sort":[12.412743,"11270045"]},{"_index":"complaint-public-v1","_id":"11223026","_score":12.412743,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. \n\nThank you for your time and help in this matter. \n\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} Date Opened XX/XX/year> XXXX","date_sent_to_company":"2024-12-19T16:14:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44125","tags":null,"has_narrative":true,"complaint_id":"11223026","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-19T16:14:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} Date Opened XX/XX/year> XXXX"]},"sort":[12.412743,"11223026"]},{"_index":"complaint-public-v1","_id":"11171437","_score":12.412743,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.\n\nThank you for your time and help in this matter.\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-17T00:36:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77045","tags":null,"has_narrative":true,"complaint_id":"11171437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-17T00:29:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[12.412743,"11171437"]},{"_index":"complaint-public-v1","_id":"11049242","_score":12.412743,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. \n\nThank you for your time and help in this matter. \n\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$16000.00} **Inquiries** XXXX XX/XX/XXXX XXXX","date_sent_to_company":"2024-12-05T16:06:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44122","tags":null,"has_narrative":true,"complaint_id":"11049242","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-05T16:05:52.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$16000.00} **Inquiries** XXXX XX/XX/XXXX XXXX"]},"sort":[12.412743,"11049242"]},{"_index":"complaint-public-v1","_id":"11223028","_score":12.396413,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. \n\nThank you for your time and help in this matter. \n\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} Date Opened XX/XX/year>XXXX XXXX","date_sent_to_company":"2024-12-19T16:14:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44125","tags":null,"has_narrative":true,"complaint_id":"11223028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-19T16:14:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} Date Opened XX/XX/year>XXXX XXXX"]},"sort":[12.396413,"11223028"]},{"_index":"complaint-public-v1","_id":"11270043","_score":12.395037,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. \n\nThank you for your time and help in this matter. \n\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX Balance {$200.00} Date Opened XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2024-12-23T18:19:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44313","tags":null,"has_narrative":true,"complaint_id":"11270043","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-23T18:19:33.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX Balance {$200.00} Date Opened XX/XX/XXXXXXXX XXXX"]},"sort":[12.395037,"11270043"]},{"_index":"complaint-public-v1","_id":"11223046","_score":12.395037,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.\n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.\n\nThank you for your time and help in this matter.\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} Date Opened XX/XX/year> XXXX","date_sent_to_company":"2024-12-19T16:13:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44125","tags":null,"has_narrative":true,"complaint_id":"11223046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-19T16:11:04.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} Date Opened XX/XX/year> XXXX"]},"sort":[12.395037,"11223046"]},{"_index":"complaint-public-v1","_id":"11053690","_score":12.395037,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. \n\nThank you for your time and help in this matter. \n\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-06T23:37:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"11053690","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-06T23:32:34.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[12.395037,"11053690"]},{"_index":"complaint-public-v1","_id":"11053636","_score":12.395037,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.\n\nThank you for your time and help in this matter.\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-06T23:37:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"11053636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-06T23:37:11.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[12.395037,"11053636"]},{"_index":"complaint-public-v1","_id":"11269850","_score":12.383371,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.\n\nThank you for your time and help in this matter.\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.\n\nI am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-23T18:14:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44313","tags":null,"has_narrative":true,"complaint_id":"11269850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-23T18:14:51.000Z","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":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[12.383371,"11269850"]},{"_index":"complaint-public-v1","_id":"11171270","_score":12.383371,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.\n\nThank you for your time and help in this matter.\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-17T00:36:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77045","tags":null,"has_narrative":true,"complaint_id":"11171270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-17T00:36:43.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[12.383371,"11171270"]},{"_index":"complaint-public-v1","_id":"11049240","_score":12.383371,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. \n\nThank you for your time and help in this matter. \n\n\nUnder USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. \n\nI am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$16000.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-05T16:06:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44122","tags":null,"has_narrative":true,"complaint_id":"11049240","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-05T16:05:52.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting a <em>manual</em> veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and <em>legal</em> action will be taking under FCRA and FTC reports against these companies and also credit bureaus. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$16000.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX"]},"sort":[12.383371,"11049240"]},{"_index":"complaint-public-v1","_id":"11043531","_score":12.383371,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. \n\nCopies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. \n\nUnder USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. \n\nNone of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! \n\n\nMY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! \n\nI received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. \n\nPlease verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. 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