{"took":712,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":160,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9795458","_score":18.7532,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the inaccurate information on my credit report regarding late payments. This letter serves as an official notice of dispute and a request for comprehensive documentation in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *, the court determined that credit reporting agencies must conduct a thorough investigation into disputed information. The reliance solely on automated systems for verifying credit information was found insufficient. The court emphasized the need for credit reporting agencies to ensure the accuracy, fairness, and completeness of the reported information and can not rely solely on computer-generated reports without conducting a more in-depth investigation. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date ( XXXX ) of Reported Late Payment : XX/XX/XXXX After reviewing my credit report, I have identified inaccuracies related to late payments on the above-mentioned account. I am requesting that you provide me with the following : 1. **Internal Records and Documentation : ** Please furnish detailed internal records and documentation provided to you by the above-listed creditors that verify the payments on this account were indeed late. Documentation solely from systems like Metro 2/E OSCAR or similar will not suffice. I require detailed evidence, including the identity of those who certified these late payments and the methodology used to determine their accuracy. \n\n2. **Investigation Process : ** In light of the court 's ruling in the above case, I demand a comprehensive investigation into these discrepancies. The use of a computer system alone does not meet the FCRAs requirements for a thorough investigation. \n\n**Legal Violations** 1. **15 USC 1681 Section 602 : ** Guarantees my right to privacy regarding the information reported on my credit report. \n\n2. **15 USC 1681 Section 604a ( Section 2 ) : ** Prohibits consumer reporting agencies from furnishing an account without my written instructions.\n\n3. **15 USC 1666b : ** States that a creditor can not classify a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date. \n\nI assert that I have never authorized the furnishing of any information to your agency by the aforementioned creditor without my written consent, which constitutes a violation of 15 USC 1681b. The incorrect reporting of late payments has caused undue stress and XXXX due to these unfair practices.\n\n**Action Requested** 1. **Provide Concrete Evidence : ** Please supply the requested internal records and documentation, including evidence of who certified the late payments and the process used to make this determination.\n\n2. **Correct Credit Report : ** I demand that you correct my credit report to reflect these accounts as \" Pays As Agreed '' or \" Paid As Agreed '' and update my payment history accordingly ( e.g., with a green check or greyed-out indicator ). \n\nPlease provide the requested information and documentation within 15 days of receiving this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or correct the inaccuracies, I will escalate this matter to the relevant regulatory agencies and consider all available legal remedies. \n\nThank you for your prompt attention to this matter. Please send your response to the address listed above. \n\nXXXX XXXX XXXX XXXX","date_sent_to_company":"2024-08-15T01:13:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90011","tags":null,"has_narrative":true,"complaint_id":"9795458","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-15T01:13:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I require detailed evidence, including the identity of those who certified these late payments and the <em>methodology</em> <em>used</em> to determine their <em>accuracy</em>. \n\n2. **Investigation Process : ** In light of the court 's ruling in the above case, I demand a <em>comprehensive</em> investigation into these discrepancies. The <em>use</em> of a computer system alone does not meet the FCRAs requirements for a thorough investigation."],"issue":["Improper <em>use</em> of your report"],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[18.7532,"9795458"]},{"_index":"complaint-public-v1","_id":"9795459","_score":18.710194,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the inaccurate information on my credit report regarding late payments. This letter serves as an official notice of dispute and a request for comprehensive documentation in compliance with the Fair Credit Reporting Act ( FCRA ).\n\n**Please Refer to Case Ruling** In the case oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court determined that credit reporting agencies must conduct a thorough investigation into disputed information. The reliance solely on automated systems for verifying credit information was found insufficient. The court emphasized the need for credit reporting agencies to ensure the accuracy, fairness, and completeness of the reported information and can not rely solely on computer-generated reports without conducting a more in-depth investigation. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) of Reported Late Payment : XX/XX/XXXX After reviewing my credit report, I have identified inaccuracies related to late payments on the above-mentioned account. I am requesting that you provide me with the following : 1. **Internal Records and Documentation : ** Please furnish detailed internal records and documentation provided to you by the above-listed creditors that verify the payments on this account were indeed late. Documentation solely from systems like Metro 2/E OSCAR or similar will not suffice. I require detailed evidence, including the identity of those who certified these late payments and the methodology used to determine their accuracy. \n\n2. **Investigation Process : ** In light of the court 's ruling in the above case, I demand a comprehensive investigation into these discrepancies. The use of a computer system alone does not meet the FCRAs requirements for a thorough investigation. \n\n**Legal Violations** 1. **15 USC 1681 Section 602 : ** Guarantees my right to privacy regarding the information reported on my credit report.\n\n2. **15 USC 1681 Section 604a ( Section 2 ) : ** Prohibits consumer reporting agencies from furnishing an account without my written instructions.\n\n3. **15 USC 1666b : ** States that a creditor can not classify a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date. \n\nI assert that I have never authorized the furnishing of any information to your agency by the aforementioned creditor without my written consent, which constitutes a violation of XXXX XXXX XXXX. The incorrect reporting of late payments has caused undue stress and XXXX  due to these unfair practices. \n\n**Action Requested** XXXX. **Provide Concrete Evidence : ** Please supply the requested internal records and documentation, including evidence of who certified the late payments and the process used to make this determination. \n\nXXXX. XXXX Credit Report : ** I demand that you correct my credit report to reflect these accounts as \" Pays As Agreed '' or \" Paid As Agreed '' and update my payment history accordingly ( e.g., with a green check or greyed-out indicator ). \n\nPlease provide the requested information and documentation within 15 days of receiving this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or correct the inaccuracies, I will escalate this matter to the relevant regulatory agencies and consider all available legal remedies. \n\nThank you for your prompt attention to this matter. Please send your response to the address listed above. \n\n**Sincerely, ** XXXX XXXX","date_sent_to_company":"2024-08-15T01:13:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90011","tags":null,"has_narrative":true,"complaint_id":"9795459","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-15T01:13:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I require detailed evidence, including the identity of those who certified these late payments and the <em>methodology</em> <em>used</em> to determine their <em>accuracy</em>. \n\n2. **Investigation Process : ** In light of the court 's ruling in the above case, I demand a <em>comprehensive</em> investigation into these discrepancies. The <em>use</em> of a computer system alone does not meet the FCRAs requirements for a thorough investigation."],"issue":["Improper <em>use</em> of your report"],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[18.710194,"9795459"]},{"_index":"complaint-public-v1","_id":"9795391","_score":18.683178,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the inaccurate information on my credit report regarding late payments. This letter serves as an official notice of dispute and a request for comprehensive documentation in compliance with the Fair Credit Reporting Act ( FCRA ). \n\n**Please Refer to Case Ruling** In the case of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 190 F. Supp. 2d 81 ( XXXX XXXX. XXXX ) *, the court determined that credit reporting agencies must conduct a thorough investigation into disputed information. The reliance solely on automated systems for verifying credit information was found insufficient. The court emphasized the need for credit reporting agencies to ensure the accuracy, fairness, and completeness of the reported information and can not rely solely on computer-generated reports without conducting a more in-depth investigation. \n\nXXXX XXXX - XXXX XXXX - Account Number : XXXX - Date ( XXXX ) of Reported Late Payment : XX/XX/XXXX After reviewing my credit report, I have identified inaccuracies related to late payments on the above-mentioned account. I am requesting that you provide me with the following : XXXX. XXXX Records and Documentation : ** Please furnish detailed internal records and documentation provided to you by the above-listed creditors that verify the payments on this account were indeed late. Documentation solely from systems like XXXX XXXX XXXX or similar will not suffice. I require detailed evidence, including the identity of those who certified these late payments and the methodology used to determine their accuracy. \n\nXXXX. **Investigation Process : ** In light of the court 's ruling in the above case, I demand a comprehensive investigation into these discrepancies. The use of a computer system alone does not meet the FCRAs requirements for a thorough investigation. \n\n**Legal Violations** 1. **15 USC 1681 Section 602 : ** Guarantees my right to privacy regarding the information reported on my credit report.\n\n2. **15 USC 1681 Section 604a ( Section 2 ) : ** Prohibits consumer reporting agencies from furnishing an account without my written instructions.\n\n3. **15 USC 1666b : ** States that a creditor can not classify a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.\n\nI assert that I have never authorized the furnishing of any information to your agency by the aforementioned creditor without my written consent, which constitutes a violation of 15 USC 1681b. The incorrect reporting of late payments has caused undue stress and anxiety due to these unfair practices.\n\n**Action Requested** 1. **Provide Concrete Evidence : ** Please supply the requested internal records and documentation, including evidence of who certified the late payments and the process used to make this determination.\n\n2. **Correct Credit Report : ** I demand that you correct my credit report to reflect these accounts as \" Pays As Agreed '' or \" Paid As Agreed '' and update my payment history accordingly ( e.g., with a green check or greyed-out indicator ).\n\nPlease provide the requested information and documentation within 15 days of receiving this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or correct the inaccuracies, I will escalate this matter to the relevant regulatory agencies and consider all available legal remedies. \n\nThank you for your prompt attention to this matter. Please send your response to the address listed above. \n\n**Sincerely, ** XXXX XXXX","date_sent_to_company":"2024-08-15T01:12:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90011","tags":null,"has_narrative":true,"complaint_id":"9795391","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-15T00:31:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I require detailed evidence, including the identity of those who certified these late payments and the <em>methodology</em> <em>used</em> to determine their <em>accuracy</em>. \n\nXXXX. **Investigation Process : ** In light of the court 's ruling in the above case, I demand a <em>comprehensive</em> investigation into these discrepancies. The <em>use</em> of a computer system alone does not meet the FCRAs requirements for a thorough investigation."],"issue":["Improper <em>use</em> of your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[18.683178,"9795391"]},{"_index":"complaint-public-v1","_id":"8610236","_score":18.02635,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Formal Inquiry Regarding Closure of Credit Card Accounts Without Prior Notice Dear [ Discover Legal Department ], I hope this correspondence finds you well. I am writing to you on behalf of [ XXXX XXXX regarding a matter that requires your urgent attention and clarification. It has come to our notice that credit card accounts bearing the numbers XXXX and XXXX, associated with [ XXXX XXXX XXXX XXXX ], have been unexpectedly closed without prior notification. This action has raised significant concerns regarding potential breaches of contractual obligations and applicable consumer protection laws. \nAs you are likely aware, the Uniform Commercial Code ( UCC ) outlines principles of good faith and fair dealing in commercial transactions. The closure of these accounts without any notice may be construed as a violation of these principles, warranting further investigation into the circumstances surrounding these actions. Furthermore, it is essential to ensure compliance with federal and state credit protection laws, which are designed to safeguard consumers ' rights and promote transparency in financial dealings. Any deviation from these regulations, including inadequate notice periods for account closures, could result in legal implications. In light of the foregoing, we kindly request your prompt cooperation in providing the following information : A detailed explanation of the rationale behind the closure of credit card accounts XXXX  and XXXX. 1. Provide detailed and specific reasons for the closure of XXXX account, including any instances of default or non-compliance. \nXXXX. Disclose the methodology and criteria used in the credit scoring system that influenced the decision to close the account. \nXXXX. Cease all adverse reporting to credit bureaus regarding the closure of XXXX XXXX account until these issues are resolved satisfactorily. \nXXXX. Reopen XXXX account and restore it to its previous status, pending the outcome of a thorough investigation into the accuracy of the reported information laws. \nCopies of any correspondence or notices sent to [ the human XXXX XXXX not the all-caps account holder ] regarding the closure of these accounts. \nWe emphasize the importance of a swift and transparent resolution to this matter to ensure the preservation of our rights and interests under the law. Failure to address these concerns adequately may compel us to explore further legal recourse. \nWe trust that you will give this matter the attention it deserves and provide a comprehensive response within a reasonable timeframe. Should you require any clarification or additional information, please do not hesitate to contact me directly at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, NC XXXX United States ]. \nThank you for your cooperation and understanding. Sincerely, INCLOSED STATE ID, SSN CARD. SIGNATURE AUTHENTICATING CLAIM NOTICE XXXX XXXX Documentation demonstrating adherence to relevant provisions of the Uniform Commercial Code ( UCC ) and applicable credit protection","date_sent_to_company":"2024-03-24T18:32:32.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"278XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8610236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-03-24T17:58:52.000Z","state":"NC","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["We trust that you will give this matter the attention it deserves and provide a <em>comprehensive</em> response <em>within</em> a reasonable timeframe. Should you require any clarification or additional <em>information</em>, please do not hesitate to contact me directly at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, NC XXXX United States ]. \nThank you for your cooperation and understanding. Sincerely, INCLOSED STATE ID, SSN CARD."]},"sort":[18.02635,"8610236"]},{"_index":"complaint-public-v1","_id":"9975039","_score":17.883568,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Request for Correction of Credit Report Inaccuracies Case Numbers : XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) Dear CFPB, I am writing to formally request your intervention in rectifying persistent inaccuracies in my credit report as supplied by Equifax. Despite my diligent attempts to resolve these discrepancies directly with the credit reporting agencies, the inaccuracies remain unresolved, thereby adversely impacting my creditworthiness. \n\nPursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), I am afforded the right to a detailed explanation of the verification procedures employed to ascertain the accuracy of disputed information. My concerns specifically pertain to the reporting of my XXXX XXXX account ending in XXXX. Equifax, in its investigation for claim number XXXX, confirmed the account 's status as \" Paid as Agreed '' without any late payments recorded. However, despite this confirmation, Equifax has not updated the information accordingly, despite my repeated disputes through both the CFPB portal and written correspondence. \n\nRecent communications dated XX/XX/XXXX and XX/XX/XXXX, indicated amendments to the account information, including the removal of certain remarks. Notably, however, the communications from Equifax via the CFPB portal were insufficient and did not reflect these resolutions, thus leaving the case unresolved in the portal. This raises significant concerns regarding the thoroughness and credibility of Equifax 's investigative processes. \n\nI formally request the following documentation and compliance : 1. Comprehensive Verification Process : A detailed account of the procedures used to verify the disputed information, including all relevant documentation, communications, and procedural steps. This should encompass the methodology of investigation, contact information for all involved parties, and any evidence supporting the claims of reported late payments. \n\nXXXX. Proof of Permissible Purpose : Documentation that affirms explicit authorization was granted for the reporting of the disputed items, in accordance with 15 U.S.C. 1681b. Without such authorization, the inclusion of these items in my credit file constitutes a violation of the law. \n\nShould the requested documentation and verification not be forthcoming within 15 days, I will have no choice but to pursue immediate actions to rectify my credit report by removing erroneous information, correcting the record to accurately reflect the account as paid and free of late payments, and eliminating any unauthorized entries lacking requisite written authorization. \n\nFurthermore, should the credit reporting agency neglect to fulfill these legal obligations, I will seek all available legal remedies, including potential monetary damages resulting from inaccurate reporting and non-compliance with the FCRA. \n\nGiven the urgency of this matter, I implore the CFPB to take swift action to ensure that Equifax adheres to its legal responsibilities under the FCRA. Ensuring accountability for the accuracy and integrity of reported information is essential. Your assistance is crucial in addressing these discrepancies and restoring the accuracy of my credit report. \n\nI have attached my credit reports for XXXX and XX/XX/XXXX, which clearly illustrate the disputed inaccuracies. \n\nThank you for your prompt attention to this matter. I anticipate your response and the necessary corrective measures from the credit reporting agencies.","date_sent_to_company":"2024-08-29T01:12:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07010","tags":null,"has_narrative":true,"complaint_id":"9975039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-29T00:27:11.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Comprehensive</em> Verification Process : A detailed account of the procedures <em>used</em> to verify the disputed <em>information</em>, including all relevant documentation, communications, and procedural steps. This should encompass the <em>methodology</em> of investigation, contact <em>information</em> for all involved parties, and any evidence supporting the claims of reported late payments. \n\nXXXX."]},"sort":[17.883568,"9975039"]},{"_index":"complaint-public-v1","_id":"14496457","_score":17.15575,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request a detailed description of the investigation process that your agency followed with respect to the disputed account ( s ) on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( a ) and related provisions, credit reporting agencies are obligated to furnish a comprehensive description of their investigative procedures within 15 days of receiving a consumer dispute.\n\nUpon my recent review of my credit report, I identified inaccuracies related to an account ( Account Number : # XXXX for which three late payments were reported. I maintain, based on my records and payment history, that all payments on this account were made on time. I have enclosed a copy of my credit report highlighting the following disputed dates : XXXX I respectfully request that you : 1. Provide a Detailed Description of the Investigation Process : In compliance with FCRA requirements, please supply a complete description of the procedures and methodologies used to investigate my dispute, including how you verified the accuracy of the information reported. This description should detail each step taken during the investigation and the basis upon which your conclusions were reached.\n\n2. Submit Documentation Supporting the Late Payment Claims : Please furnish documented evidencesuch as specific dates, amounts, and any relevant communicationsthat supports the claim that the payments in question were late. If such evidence can not be provided, I expect that the information on my credit report be corrected promptly.\n\n3. Clarification on the Reporting of Payment History : Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely reflecting transactions or experiences between myself and the reporting entity that adversely affect my credit report. As the account has been consistently paid on time, it should accurately reflect a status of Paid As Agreed Never Late ( PAANL ). I therefore request that, if the investigation does not yield verifiable proof of late payments, the account be updated to reflect its correct status.\n\n4. Explanation of Periodic Statement Procedures : In addition, I request that you provide, in writing, the reasonable procedures you have adopted in accordance with 15 USC 1666 ( b ) and Section 1637 ( b ) of Title 15 to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date. This information is critical in ensuring compliance with federal requirements and in safeguarding consumer rights.\n\nFurthermore, I bring to your attention that the continued reporting of inaccurate late payments not only violates the FCRA but may also constitute a breach under the Consumer Protection Act and the Truth in Lending Act. I have consistently met my payment obligations as agreed, and any discrepancies in reporting must be corrected to accurately reflect my financial responsibility.\n\nPlease provide the requested information and a written response within 30 days of receipt of this letter. Failure to do so will be considered a violation of my rights under the FCRA, and I will pursue any and all legal remedies available.\n\nThank you for your prompt attention to this matter. I look forward to your detailed response and the immediate rectification of the inaccuracies on my credit report.","date_sent_to_company":"2025-07-21T14:37:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75287","tags":null,"has_narrative":true,"complaint_id":"14496457","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-06T16:35:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Provide a Detailed Description of the Investigation Process : In compliance with FCRA requirements, please supply a complete description of the procedures and <em>methodologies</em> <em>used</em> to investigate my dispute, including how you verified the <em>accuracy</em> of the <em>information</em> reported. This description should detail each step taken during the investigation and the basis upon which your conclusions were reached.\n\n2."]},"sort":[17.15575,"14496457"]},{"_index":"complaint-public-v1","_id":"14492068","_score":17.151903,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request a detailed description of the investigation process that your agency followed with respect to the disputed account ( s ) on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( a ) and related provisions, credit reporting agencies are obligated to furnish a comprehensive description of their investigative procedures within 15 days of receiving a consumer dispute.\n\nUpon my recent review of my credit report, I identified inaccuracies related to an account ( Account Number : XXXX XXXX for which three late payments were reported. I maintain, based on my records and payment history, that all payments on this account were made on time. I have enclosed a copy of my credit report highlighting the following disputed dates : XXXX I respectfully request that you : 1. Provide a Detailed Description of the Investigation Process : In compliance with FCRA requirements, please supply a complete description of the procedures and methodologies used to investigate my dispute, including how you verified the accuracy of the information reported. This description should detail each step taken during the investigation and the basis upon which your conclusions were reached.\n\n2. Submit Documentation Supporting the Late Payment Claims : Please furnish documented evidencesuch as specific dates, amounts, and any relevant communicationsthat supports the claim that the payments in question were late. If such evidence can not be provided, I expect that the information on my credit report be corrected promptly.\n\n3. Clarification on the Reporting of Payment History : Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely reflecting transactions or experiences between myself and the reporting entity that adversely affect my credit report. As the account has been consistently paid on time, it should accurately reflect a status of Paid As Agreed Never Late ( PAANL ). I therefore request that, if the investigation does not yield verifiable proof of late payments, the account be updated to reflect its correct status.\n\n4. Explanation of Periodic Statement Procedures : In addition, I request that you provide, in writing, the reasonable procedures you have adopted in accordance with 15 USC 1666 ( b ) and Section 1637 ( b ) of Title 15 to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date. This information is critical in ensuring compliance with federal requirements and in safeguarding consumer rights.\n\nFurthermore, I bring to your attention that the continued reporting of inaccurate late payments not only violates the FCRA but may also constitute a breach under the Consumer Protection Act and the Truth in Lending Act. I have consistently met my payment obligations as agreed, and any discrepancies in reporting must be corrected to accurately reflect my financial responsibility.\n\nPlease provide the requested information and a written response within 30 days of receipt of this letter. Failure to do so will be considered a violation of my rights under the FCRA, and I will pursue any and all legal remedies available.\n\nThank you for your prompt attention to this matter. I look forward to your detailed response and the immediate rectification of the inaccuracies on my credit report.","date_sent_to_company":"2025-07-21T14:37:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75287","tags":null,"has_narrative":true,"complaint_id":"14492068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-06T16:41:25.000Z","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":["Provide a Detailed Description of the Investigation Process : In compliance with FCRA requirements, please supply a complete description of the procedures and <em>methodologies</em> <em>used</em> to investigate my dispute, including how you verified the <em>accuracy</em> of the <em>information</em> reported. This description should detail each step taken during the investigation and the basis upon which your conclusions were reached.\n\n2."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[17.151903,"14492068"]},{"_index":"complaint-public-v1","_id":"14477697","_score":17.151903,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request a detailed description of the investigation process that your agency followed with respect to the disputed account ( s ) on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( a ) and related provisions, credit reporting agencies are obligated to furnish a comprehensive description of their investigative procedures within XXXX days of receiving a consumer dispute. \nUpon my recent review of my credit report, I identified inaccuracies related to an account ( Account Number : # XXXX for which XXXX late payments were reported. I maintain, based on my records and payment history, that all payments on this account were made on time. I have enclosed a copy of my credit report highlighting the following disputed dates : XXXX I respectfully request that you : 1. Provide a Detailed Description of the Investigation Process : In compliance with FCRA requirements, please supply a complete description of the procedures and methodologies used to investigate my dispute, including how you verified the accuracy of the information reported. This description should detail each step taken during the investigation and the basis upon which your conclusions were reached.\n\n2. Submit Documentation Supporting the Late Payment Claims : Please furnish documented evidencesuch as specific dates, amounts, and any relevant communicationsthat supports the claim that the payments in question were late. If such evidence can not be provided, I expect that the information on my credit report be corrected promptly.\n\n3. Clarification on the Reporting of Payment History : Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely reflecting transactions or experiences between myself and the reporting entity that adversely affect my credit report. As the account has been consistently paid on time, it should accurately reflect a status of Paid As Agreed Never Late ( PAANL ). I therefore request that, if the investigation does not yield verifiable proof of late payments, the account be updated to reflect its correct status.\n\n4. Explanation of Periodic Statement Procedures : In addition, I request that you provide, in writing, the reasonable procedures you have adopted in accordance with 15 USC 1666 ( b ) and Section 1637 ( b ) of Title 15 to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date. This information is critical in ensuring compliance with federal requirements and in safeguarding consumer rights.\n\nFurthermore, I bring to your attention that the continued reporting of inaccurate late payments not only violates the FCRA but may also constitute a breach under the Consumer Protection Act and the Truth in Lending Act. I have consistently met my payment obligations as agreed, and any discrepancies in reporting must be corrected to accurately reflect my financial responsibility.\n\nPlease provide the requested information and a written response within XXXX days of receipt of this letter. Failure to do so will be considered a violation of my rights under the FCRA, and I will pursue any and all legal remedies available.\n\nThank you for your prompt attention to this matter. I look forward to your detailed response and the immediate rectification of the inaccuracies on my credit report.","date_sent_to_company":"2025-07-06T16:34:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75287","tags":null,"has_narrative":true,"complaint_id":"14477697","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-06T16:23:58.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Provide a Detailed Description of the Investigation Process : In compliance with FCRA requirements, please supply a complete description of the procedures and <em>methodologies</em> <em>used</em> to investigate my dispute, including how you verified the <em>accuracy</em> of the <em>information</em> reported. This description should detail each step taken during the investigation and the basis upon which your conclusions were reached.\n\n2."]},"sort":[17.151903,"14477697"]},{"_index":"complaint-public-v1","_id":"9905349","_score":16.620476,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom May Concern, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments. This letter serves as a formal notice of dispute and request for detailed documentation in compliance with the Fair Credit Reporting Act ( FCRA ). \nPlease Refer to Case Ruling In XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that credit reporting agencies must conduct a thorough investigation into disputed information. The reliance on automated systems alone for verifying credit information was deemed insufficient. The court emphasized that credit reporting agencies are required to ensure the accuracy, fairness, and completeness of the information reported and can not solely rely on computer-generated reports without a deeper investigation. \nDispute Details Creditor : XXXX XXXX Account Number : XXXX XXXX Date of Reported Late Payment : XXXX, XXXX I have reviewed my credit report and found inaccuracies regarding late payments on the account mentioned above. I request that you provide me with the following : 1. Internal Records and Documentation : Please provide detailed internal records and documentation that were provided to you by the above listed creditors proving that the payments on this account were indeed late. A simple Metro 2/E OSCAR communication or similar computer system documentation will not suffice as proof. I require comprehensive evidence, including who certified these late payments and the methodology used to determine their accuracy. \n2. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements.\n\nLegal Violations 1. 15 USC 1681 Section 602 : Guarantees my right to privacy concerning the information reported on my credit report.\n\n2. 15 USC 1681 Section 604a ( Section 2 ) : Prohibits consumer reporting agencies from furnishing an account without my written instructions.\n\n3. 15 USC 1666b : States that a creditor can not treat a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.\n\nI assert that I have never authorized the furnishing of any information to your agency by the above-listed creditor without my written consent, constituting a violation of 15 USC 1681b . The inaccurate reporting of late payments has caused me undue stress and anxiety due to these unfair practices.\n\nAction Requested 1. Provide Concrete Evidence : Please provide me with the requested internal records and documentation, including evidence of who certified the late payments and how this determination was made.\n\n2. Correct Credit Report : I demand that you correct my credit report to reflect these accounts as \" Pays As Agreed '' or \" Paid As Agreed, '' and update my payment history accordingly ( e.g., green check or greyed-out indicator ).\n\nPlease provide the requested information and documentation within 15 days of receipt of this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or fail to correct the inaccuracies, I will be compelled to escalate this matter to the appropriate regulatory agencies and consider all available legal remedies.\n\nThank you for your prompt attention to this important matter. Please send your response to the address listed above. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-08-23T15:21:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01851","tags":null,"has_narrative":true,"complaint_id":"9905349","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-23T15:21:44.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I require <em>comprehensive</em> evidence, including who certified these late payments and the <em>methodology</em> <em>used</em> to determine their <em>accuracy</em>. \n2. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[16.620476,"9905349"]},{"_index":"complaint-public-v1","_id":"9904333","_score":16.620476,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom XXXX Concern, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments. This letter serves as a formal notice of dispute and request for detailed documentation in compliance with the Fair Credit Reporting Act ( FCRA ). \nPlease Refer to Case Ruling In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that XXXX XXXX XXXX must conduct a thorough investigation into disputed information. The reliance on automated systems alone for verifying credit information was deemed insufficient. The court emphasized that credit reporting agencies are required to ensure the accuracy, fairness, and completeness of the information reported and can not solely rely on computer-generated reports without a deeper investigation. \nDispute Details Creditor : XXXX XXXX Account Number : XXXX XXXX Date of Reported Late Payment : XXXX, XXXX I have reviewed my credit report and found inaccuracies regarding late payments on the account mentioned above. I request that you provide me with the following : XXXX. XXXX XXXX and Documentation : Please provide detailed internal records and documentation that were provided to you by the above listed creditors proving that the payments on this account were indeed late. A simple Metro 2/E OSCAR communication or similar computer system documentation will not suffice as proof. I require comprehensive evidence, including who certified these late payments and the methodology used to determine their accuracy. \nXXXX. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements. \nLegal Violations XXXX. XXXX XXXX XXXX Section XXXX : Guarantees my right to privacy concerning the information reported on my credit report. \n2. 15 USC 1681 Section 604a ( Section 2 ) : Prohibits consumer reporting agencies from furnishing an account without my written instructions.\n\n3. 15 USC 1666b : States that a creditor can not treat a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.\n\nI assert that I have never authorized the furnishing of any information to your agency by the above-listed creditor without my written consent, constituting a violation of 15 USC 1681b . The inaccurate reporting of late payments has caused me undue stress and anxiety due to these unfair practices.\n\nAction Requested 1. Provide Concrete Evidence : Please provide me with the requested internal records and documentation, including evidence of who certified the late payments and how this determination was made.\n\n2. Correct Credit Report : I demand that you correct my credit report to reflect these accounts as \" Pays As Agreed '' or \" Paid As Agreed, '' and update my payment history accordingly ( e.g., green check or greyed-out indicator ).\n\nPlease provide the requested information and documentation within 15 days of receipt of this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or fail to correct the inaccuracies, I will be compelled to escalate this matter to the appropriate regulatory agencies and consider all available legal remedies.\n\nThank you for your prompt attention to this important matter. Please send your response to the address listed above. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-08-23T15:21:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01851","tags":null,"has_narrative":true,"complaint_id":"9904333","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-23T15:08:58.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I require <em>comprehensive</em> evidence, including who certified these late payments and the <em>methodology</em> <em>used</em> to determine their <em>accuracy</em>. \nXXXX. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements. \nLegal Violations XXXX."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[16.620476,"9904333"]},{"_index":"complaint-public-v1","_id":"10027413","_score":16.616814,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Notice of Dispute and Request for Documentation To Whom May Concern, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments. This letter serves as a formal notice of dispute and request for detailed documentation in compliance with the Fair Credit Reporting Act ( FCRA ). \nPlease Refer to Case Ruling In Richard V. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ), the court ruled that credit reporting agencies must conduct a thorough investigation into disputed information. The reliance on automated systems alone for verifying credit information was deemed insufficient. The court emphasized that credit reporting agencies are required to ensure the accuracy, fairness, and completeness of the information reported and can not solely rely on computer-generated reports without a deeper investigation. \nDispute Details Creditor : XXXX XXXX  Account Number : XXXX Date of Reported Late Payment : XXXX, XXXX I have reviewed my credit report and found inaccuracies regarding late payments on the account mentioned above. I request that you provide me with the following : 1. Internal Records and Documentation : Please provide detailed internal records and documentation that were provided to you by the above listed creditors proving that the payments on this account were indeed late. A simple XXXX XXXX XXXX communication or similar computer system documentation will not suffice as proof. I require comprehensive evidence, including who certified these late payments and the methodology used to determine their accuracy. \n2. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements. \nLegal Violations 1. 15 USC 1681 Section 602 : Guarantees my right to privacy concerning the information reported on my credit report. \nXXXX. XXXX XXXX XXXX Section XXXX ( Section XXXX ) : Prohibits consumer reporting agencies from furnishing an account without my written instructions. \nXXXX. XXXX XXXX XXXX : XXXX that a creditor can not treat a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date. \nI assert that I have never authorized the furnishing of any information to your agency by the above-listed creditor without my written consent, constituting a violation of XXXX XXXX XXXX XXXX The inaccurate reporting of late payments has caused me undue stress and anxiety due to these unfair practices. \nXXXX Requested XXXX. Provide Concrete Evidence : Please provide me with the requested internal records and documentation, including evidence of who certified the late payments and how this determination was made. \nXXXX. Correct Credit Report : I demand that you correct my credit report to reflect these accounts as \" Pays As Agreed '' or \" Paid As Agreed, '' and update my payment history accordingly ( e.g., green check or greyed-out indicator ). \nPlease provide the requested information and documentation within 15 days of receipt of this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or fail to correct the inaccuracies, I will be compelled to escalate this matter to the appropriate regulatory agencies and consider all available legal remedies. \nThank you for your prompt attention to this important matter. Please send your response to the address listed above. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-05T22:09:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"018XX","tags":null,"has_narrative":true,"complaint_id":"10027413","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-05T22:09:32.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I require <em>comprehensive</em> evidence, including who certified these late payments and the <em>methodology</em> <em>used</em> to determine their <em>accuracy</em>. \n2. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[16.616814,"10027413"]},{"_index":"complaint-public-v1","_id":"9905350","_score":16.540632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom May Concern, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments. This letter serves as a formal notice of dispute and request for detailed documentation in compliance with the Fair Credit Reporting Act ( FCRA ). \nPlease Refer to Case Ruling In XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that credit reporting agencies must conduct a thorough investigation into disputed information. The reliance on automated systems alone for verifying credit information was deemed insufficient. The court emphasized that credit reporting agencies are required to ensure the accuracy, fairness, and completeness of the information reported and can not solely rely on computer-generated reports without a deeper investigation. \nDispute Details Creditor : XXXX XXXX Account Number : XXXX XXXX Date of Reported Late Payment : XXXX, XXXX I have reviewed my credit report and found inaccuracies regarding late payments on the account mentioned above. I request that you provide me with the following : 1. Internal Records and Documentation : Please provide detailed internal records and documentation that were provided to you by the above listed creditors proving that the payments on this account were indeed late. A simple Metro 2/E OSCAR communication or similar computer system documentation will not suffice as proof. I require comprehensive evidence, including who certified these late payments and the methodology used to determine their accuracy. \n2. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements.\n\nLegal Violations 1. 15 USC 1681 Section 602 : Guarantees my right to privacy concerning the information reported on my credit report.\n\n2. 15 USC 1681 Section 604a ( Section 2 ) : Prohibits consumer reporting agencies from furnishing an account without my written instructions.\n\n3. 15 USC 1666b : States that a creditor can not treat a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.\n\nI assert that I have never authorized the furnishing of any information to your agency by the above-listed creditor without my written consent, constituting a violation of 15 USC 1681b . The inaccurate reporting of late payments has caused me undue stress and anxiety due to these unfair practices.\n\nAction Requested 1. Provide Concrete Evidence : Please provide me with the requested internal records and documentation, including evidence of who certified the late payments and how this determination was made. \n2. Correct Credit Report : I demand that you correct my credit report to reflect these accounts as \" Pays As Agreed '' or \" Paid As Agreed, '' and update my payment history accordingly ( e.g., green check or greyed-out indicator ). \nPlease provide the requested information and documentation within 15 days of receipt of this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or fail to correct the inaccuracies, I will be compelled to escalate this matter to the appropriate regulatory agencies and consider all available legal remedies. \nThank you for your prompt attention to this important matter. Please send your response to the address listed above. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-08-23T15:21:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01851","tags":null,"has_narrative":true,"complaint_id":"9905350","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-23T15:21:44.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I require <em>comprehensive</em> evidence, including who certified these late payments and the <em>methodology</em> <em>used</em> to determine their <em>accuracy</em>. \n2. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[16.540632,"9905350"]},{"_index":"complaint-public-v1","_id":"10027437","_score":16.540632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Notice of Dispute and Request for Documentation To Whom May Concern, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments. This letter serves as a formal notice of dispute and request for detailed documentation in compliance with the Fair Credit Reporting Act ( FCRA ). \nPlease Refer to Case Ruling In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that credit reporting agencies must conduct a thorough investigation into disputed information. The reliance on automated systems alone for verifying credit information was deemed insufficient. The court emphasized that credit reporting agencies are required to ensure the accuracy, fairness, and completeness of the information reported and can not solely rely on computer-generated reports without a deeper investigation. \nDispute Details Creditor : XXXX XXXX  Account Number : XXXX Date of Reported Late Payment : XXXX, XXXX I have reviewed my credit report and found inaccuracies regarding late payments on the account mentioned above. I request that you provide me with the following : 1. Internal Records and Documentation : Please provide detailed internal records and documentation that were provided to you by the above listed creditors proving that the payments on this account were indeed late. A simple Metro 2/E OSCAR communication or similar computer system documentation will not suffice as proof. I require comprehensive evidence, including who certified these late payments and the methodology used to determine their accuracy. \nXXXX. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements. \nLegal Violations 1. 15 USC 1681 Section 602 : Guarantees my right to privacy concerning the information reported on my credit report.\n\n2. 15 USC 1681 Section 604a ( Section 2 ) : Prohibits consumer reporting agencies from furnishing an account without my written instructions.\n\n3. 15 USC 1666b : States that a creditor can not treat a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.\n\nI assert that I have never authorized the furnishing of any information to your agency by the above-listed creditor without my written consent, constituting a violation of 15 USC 1681b . The inaccurate reporting of late payments has caused me undue stress and anxiety due to these unfair practices.\n\nAction Requested 1. Provide Concrete Evidence : Please provide me with the requested internal records and documentation, including evidence of who certified the late payments and how this determination was made.\n\n2. Correct Credit Report : I demand that you correct my credit report to reflect these accounts as \" Pays As Agreed '' or \" Paid As Agreed, '' and update my payment history accordingly ( e.g., green check or greyed-out indicator ).\n\nPlease provide the requested information and documentation within 15 days of receipt of this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or fail to correct the inaccuracies, I will be compelled to escalate this matter to the appropriate regulatory agencies and consider all available legal remedies.\n\nThank you for your prompt attention to this important matter. Please send your response to the address listed above. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-05T22:09:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"018XX","tags":null,"has_narrative":true,"complaint_id":"10027437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-05T21:50:31.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I require <em>comprehensive</em> evidence, including who certified these late payments and the <em>methodology</em> <em>used</em> to determine their <em>accuracy</em>. \nXXXX. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[16.540632,"10027437"]},{"_index":"complaint-public-v1","_id":"10027412","_score":16.540632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Notice of Dispute and Request for Documentation To Whom May Concern, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments. This letter serves as a formal notice of dispute and request for detailed documentation in compliance with the Fair Credit Reporting Act ( FCRA ).\n\nPlease Refer to Case Ruling In Richard V. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ), the court ruled that credit reporting agencies must conduct a thorough investigation into disputed information. The reliance on automated systems alone for verifying credit information was deemed insufficient. The court emphasized that credit reporting agencies are required to ensure the accuracy, fairness, and completeness of the information reported and can not solely rely on computer-generated reports without a deeper investigation. \nDispute Details Creditor : XXXX XXXX Account Number : XXXX Date of Reported Late Payment : XXXX, XXXX I have reviewed my credit report and found inaccuracies regarding late payments on the account mentioned above. I request that you provide me with the following : 1. Internal Records and Documentation : Please provide detailed internal records and documentation that were provided to you by the above listed creditors proving that the payments on this account were indeed late. A simple XXXX XXXX XXXX communication or similar computer system documentation will not suffice as proof. I require comprehensive evidence, including who certified these late payments and the methodology used to determine their accuracy. \n2. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements.\n\nLegal Violations 1. 15 USC 1681 Section 602 : Guarantees my right to privacy concerning the information reported on my credit report.\n\n2. 15 USC 1681 Section 604a ( Section 2 ) : Prohibits consumer reporting agencies from furnishing an account without my written instructions.\n\n3. 15 USC 1666b : States that a creditor can not treat a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date. \nI assert that I have never authorized the furnishing of any information to your agency by the above-listed creditor without my written consent, constituting a violation of 15 USC 1681b . The inaccurate reporting of late payments has caused me undue stress and anxiety due to these unfair practices.\n\nAction Requested 1. Provide Concrete Evidence : Please provide me with the requested internal records and documentation, including evidence of who certified the late payments and how this determination was made. \n2. Correct Credit Report : I demand that you correct my credit report to reflect these accounts as \" Pays As Agreed '' or \" Paid As Agreed, '' and update my payment history accordingly ( e.g., green check or greyed-out indicator ). \nPlease provide the requested information and documentation within 15 days of receipt of this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or fail to correct the inaccuracies, I will be compelled to escalate this matter to the appropriate regulatory agencies and consider all available legal remedies. \nThank you for your prompt attention to this important matter. Please send your response to the address listed above. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-05T22:09:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"018XX","tags":null,"has_narrative":true,"complaint_id":"10027412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-05T22:09:32.000Z","state":"MA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I require <em>comprehensive</em> evidence, including who certified these late payments and the <em>methodology</em> <em>used</em> to determine their <em>accuracy</em>. \n2. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements."],"issue":["Incorrect <em>information</em> on your report"]},"sort":[16.540632,"10027412"]},{"_index":"complaint-public-v1","_id":"14253448","_score":16.323658,"_source":{"product":"Debt collection","complaint_what_happened":"To whom it may concern at CFPB, my name is XXXX XXXX. Regarding this matter, it is not a typical dispute. I expect immediate action as XXXX XXXX  is currently in violation. I am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nUnder 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. \nXXXX XXXX  Account Number beginning in : XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. \n\nI have XXXX debt collection agencies trying to collect on a debt amount of {$2000.00} for a \" XXXX XXXX XXXX XXXX XXXX. The first agency was \" XXXX XXXX XXXX XXXX. I spoke with them on XX/XX/XXXX inquiring about the debt and they told me that they no longer are dealing with that debt so I do not have to worry about anything regarding that debt. I also spoke with United Collections bureau Inc. and they told me she has to pay the debt. Finally I spoke with XXXX XXXX  and when I tried to find the account through phone number and social security number, the system could not find the account that they were trying to collect on. When I logged into XXXX  the account was originally opened XXXX XXXX XXXX and the account was reported XXXX  days late XXXX of XXXX. According to US code 15USC 1666B, it states \" Creditors must ensure that each periodic statement ( including information required by 15 U.S.C. 1637 ( b ) ) is mailed or delivered to the consumer no later than 21 days before the payment due date '' which I did not receive before being reported to the bureau. According to XXXX the same account was also charged off starting XX/XX/XXXX and still is charged off from its last reported month of XX/XX/XXXX. XXXX  is also stating that this account is closed. When an account is charged off or the debt is sold to a debt collector, the original creditor already got paid which means it is not longer the debt of the card holder since they have done no business with the collections agency. If they are not able to present to me my original signature, original date of the debt, address and phone number of the card holder then it needs to be removed from my credit report and I should not have to pay the debt. \n\nXXXX XXXX  has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. I hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. Please remove the entry from my credit report promptly to avoid any potential legal consequences. \n\nPlease note that it is necessary for XXXX XXXX  to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please have them provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against XXXX XXXX  and third party collection agencies, seeking {$5000.00} for each infraction.","date_sent_to_company":"2025-06-24T16:51:51.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"19802","tags":null,"has_narrative":true,"complaint_id":"14253448","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Collection Bureau, Inc.","date_received":"2025-06-24T15:59:29.000Z","state":"DE","company_public_response":null,"sub_issue":"Frequent or repeated messages"},"highlight":{"complaint_what_happened":["Please note that it is necessary for XXXX XXXX  to complete this investigation <em>within</em> the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please have them provide the details of the <em>methodology</em> <em>used</em> to <em>ensure</em> the <em>accuracy</em> and <em>comprehensiveness</em> of the <em>information</em> <em>within</em> ( 5 ) days after completing your reinvestigation. Thank you."]},"sort":[16.323658,"14253448"]},{"_index":"complaint-public-v1","_id":"14269144","_score":16.312122,"_source":{"product":"Debt collection","complaint_what_happened":"To whom it may concern at CFPB, my name is XXXX XXXX. Regarding this matter, it is not a typical dispute. I expect immediate action as CITI bank is currently in violation. I am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nUnder 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.\n\nBEST BUY/CBNA Account Number beginning in : XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.\n\nI have 2 debt collection agencies trying to collect on a debt amount of {$2000.00} for a \" My Best Buy credit Card. The first agency was \" XXXX XXXX XXXX XXXX. I spoke with them on XX/XX/XXXX inquiring about the debt and they told me that they no longer are dealing with that debt so I do not have to worry about anything regarding that debt. I also spoke with XXXX XXXX XXXX XXXX and they told me she has to pay the debt. Finally I spoke with CITI bank and when I tried to find the account through phone number and social security number, the system could not find the account that they were trying to collect on. When I logged into XXXX  the account was originally opened XXXX XXXX XXXX and the account was reported 30 days late XXXX of XXXX. According to US code 15USC 1666B, it states \" Creditors must ensure that each periodic statement ( including information required by 15 U.S.C. 1637 ( b ) ) is mailed or delivered to the consumer no later than 21 days before the payment due date '' which I did not receive before being reported to the bureau. According to XXXX  the same account was also charged off starting XX/XX/XXXX and still is charged off from its last reported month of XX/XX/XXXX. XXXX  is also stating that this account is closed. When an account is charged off or the debt is sold to a debt collector, the original creditor already got paid which means it is not longer the debt of the card holder since they have done no business with the collections agency. If they are not able to present to me my original signature, original date of the debt, address and phone number of the card holder then it needs to be removed from my credit report and I should not have to pay the debt. \n\nCITI Bank has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. I hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. Please remove the entry from my credit report promptly to avoid any potential legal consequences.\n\nPlease note that it is necessary for CITI Bank to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please have them provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to XXXX or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against CITI bank and third party collection agencies, seeking {$5000.00} for each infraction.","date_sent_to_company":"2025-06-24T16:51:57.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"19802","tags":null,"has_narrative":true,"complaint_id":"14269144","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-06-24T16:51:23.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Frequent or repeated messages"},"highlight":{"complaint_what_happened":["Please note that it is necessary for CITI Bank to complete this investigation <em>within</em> the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please have them provide the details of the <em>methodology</em> <em>used</em> to <em>ensure</em> the <em>accuracy</em> and <em>comprehensiveness</em> of the <em>information</em> <em>within</em> ( 5 ) days after completing your reinvestigation. Thank you."]},"sort":[16.312122,"14269144"]},{"_index":"complaint-public-v1","_id":"9829608","_score":15.915424,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Account Name # XXXX, reported by XXXX XXXX  XXXX. Re : Notice of Dispute and Request for Documentation Dear Experian, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments. This letter serves as a formal notice of dispute and request for detailed documentation in compliance with the Fair Credit Reporting Act ( FCRA ). Please Refer to Case Ruling IN RICHARD V. FLEET BANK OF MASSACHUSETTS, 190 F. SUPP. 2D 81 ( D. MASS. 2001 ), THE COURT RULED THAT CREDIT REPORTING AGENCIES MUST CONDUCT A THOROUGH INVESTIGATION INTO DISPUTED INFORMATION. THE RELIANCE ON AUTOMATED SYSTEMS ALONE FOR VERIFYING CREDIT INFORMATION WAS DEEMED INSUFFICIENT. THE COURT EMPHASIZED THAT CREDIT REPORTING AGENCIES ARE REQUIRED TO ENSURE THE ACCURACY, FAIRNESS, AND COMPLETENESS OF THE INFORMATION REPORTED AND CAN NOT SOLELY RELY ON COMPUTER-GENERATED REPORTS WITHOUT A DEEPER INVESTIGATION. Dispute Details Creditor : XXXX XXXX  XXXX Account Number : XXXX, Date ( XXXX ) of Reported Late Payment : XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX I have reviewed my credit report and found inaccuracies regarding late payments on the account mentioned above. I request that you provide me with the following : XXXX. Internal Records and Documentation : Please provide detailed internal records and documentation that were provided to you by the above listed creditors proving that the payments on this account were indeed late. A simple XXXX XXXX XXXX communication or similar computer system documentation will not suffice as proof. I require comprehensive evidence, including who certified these late payments and the methodology used to determine their accuracy. XXXX. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements. Legal Violations XXXX. 15 USC 1681 Section 602 : Guarantees my right to privacy concerning the information reported on my credit report. XXXX. 15 USC 1681 Section 604a ( Section 2 ) : Prohibits consumer reporting agencies from furnishing an account without my written instructions. XXXX. 15 USC 1666b : States that a creditor can not treat a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date. I assert that I have never authorized the furnishing of any information to your agency by the above-listed creditor without my written consent, constituting a violation of 15 USC 1681b . The inaccurate reporting of late payments has caused me undue stress and anxiety due to these unfair practices. Action Requested XXXX. Provide Concrete Evidence : Please provide me with the requested internal records and documentation, including evidence of who certified the late payments and how this determination was made. XXXX. Correct Credit Report : I demand that you correct my credit report to reflect these accounts as \" Pays As Agreed '' or \" Paid As Agreed, '' and update my payment history accordingly ( e.g., green check or greyed-out indicator ). Please provide the requested information and documentation within 15 days of receipt of this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or fail to correct the inaccuracies, I will be compelled to escalate this matter to the appropriate regulatory agencies and consider all available legal remedies. Thank you for your prompt attention to this important matter. Please send your response to the address listed above. Sincerely, XXXX XXXX","date_sent_to_company":"2024-08-16T12:29:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11225","tags":null,"has_narrative":true,"complaint_id":"9829608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-16T12:21:49.000Z","state":"NY","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":["I require <em>comprehensive</em> evidence, including who certified these late payments and the <em>methodology</em> <em>used</em> to determine their <em>accuracy</em>. XXXX. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements."],"issue":["Improper <em>use</em> of your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[15.915424,"9829608"]},{"_index":"complaint-public-v1","_id":"9820514","_score":15.829142,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX [ Account Name # XXXX ], reported by XX/XX/XXXXXXXX. Re : Notice of Dispute and Request for Documentation Dear Transunion, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments. This letter serves as a formal notice of dispute and request for detailed documentation in compliance with the Fair Credit Reporting Act ( FCRA ). \nPlease Refer to Case Ruling IN XXXX XXXX XXXXXX/XX/XXXX THE COURT RULED THAT XXXX XXXX XXXX MUST CONDUCT A THOROUGH INVESTIGATION INTO DISPUTED INFORMATION. THE RELIANCE ON AUTOMATED SYSTEMS ALONE FOR VERIFYING CREDIT INFORMATION WAS DEEMED INSUFFICIENT. THE COURT EMPHASIZED THAT CREDIT REPORTING AGENCIES ARE REQUIRED TO ENSURE THE ACCURACY, FAIRNESS, AND COMPLETENESS OF THE INFORMATION REPORTED AND CAN NOT SOLELY RELY ON COMPUTER-GENERATED REPORTS WITHOUT A DEEPER INVESTIGATION. \nDispute Details Creditor :XX/XX/XXXXXXXX Account Number : XXXX Date ( XXXX ) of Reported Late Payment : XXXX, XXXX, XX/XX/XXXX I have reviewed my credit report and found inaccuracies regarding late payments on the account mentioned above. I request that you provide me with the following : XXXX. XXXX XXXX and Documentation : Please provide detailed internal records and documentation that were provided to you by the above listed creditors proving that the payments on this account were indeed late. A simple XXXX XXXX XXXX communication or similar computer system documentation will not suffice as proof. I require comprehensive evidence, including who certified these late payments and the methodology used to determine their accuracy. \nXXXX. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements. \nLegal Violations XXXX. 15 USC 1681 Section 602 : Guarantees my right to privacy concerning the information reported on my credit report. \nXXXX. 15 USC 1681 Section 604a ( Section XXXX ) : Prohibits consumer reporting agencies from furnishing an account without my written instructions. \nXXXX. 15 USC 1666b : StateXXXX that a creditor can not treat a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date. \nI assert that I have never authorized the furnishing of any information to your agency by the above-listed creditor without my written consent, constituting a violation of 15 USC 1681b . The inaccurate reporting of late payments has caused me undue stress and anxiety due to these unfair practices.\n\nAction Requested 1. Provide Concrete Evidence : Please provide me with the requested internal records and documentation, including evidence of who certified the late payments and how this determination was made. \nXXXX. Correct Credit Report : I demand that you correct my credit report to reflect these accounts as \" Pays As Agreed '' or \" Paid As Agreed, '' and update my payment history accordingly ( e.g., green check or greyed-out indicator ). \nPlease provide the requested information and documentation within 15 days of receipt of this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or fail to correct the inaccuracies, I will be compelled to escalate this matter to the appropriate regulatory agencies and consider all available legal remedies. \nThank you for your prompt attention to this important matter. Please send your response to the address listed above. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-08-16T12:19:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11225","tags":null,"has_narrative":true,"complaint_id":"9820514","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-16T12:01:10.000Z","state":"NY","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":["I require <em>comprehensive</em> evidence, including who certified these late payments and the <em>methodology</em> <em>used</em> to determine their <em>accuracy</em>. \nXXXX. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements."]},"sort":[15.829142,"9820514"]},{"_index":"complaint-public-v1","_id":"9811209","_score":15.260644,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Reporting Agency [ Agency Name ] [ Agency Address ] [ City, State , ZIP Code ] Re : Notice of Dispute and Request for Documentation Dear Experian, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments. This letter serves as a formal notice of dispute and request for detailed documentation in compliance with the Fair Credit Reporting Act ( FCRA ). \nPlease Refer to Case Ruling In Richard V. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ), the court ruled that credit reporting agencies must conduct a thorough investigation into disputed information. The reliance on automated systems alone for verifying credit information was deemed insufficient. The court emphasized that credit reporting agencies are required to ensure the accuracy, fairness, and completeness of the information reported and can not solel rely on computer-generated reports without a deeper investigation. \nDispute Details Creditor : Macys/CBNA Account Number : XXXX Date ( XXXX ) of Reported Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have reviewed my credit report and found inaccuracies regarding late payments on the account mentioned above. I request that you provide me with the following : 1. Internal Records and Documentation : Please provide detailed internal records and documentation that were provided to you by the above listed creditors proving that the payments on this account were indeed late. A simple XXXX XXXX XXXX communication or similar computer system documentation will not suffice as proof. I require comprehensive evidence, including who certified these late payments and the methodology used to determine their accuracy. \nXXXX. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements. \nLegal Violations 1. 15 USC 1681 Section 602 : Guarantees my right to privacy concerning the information reported on my credit report.\n\n2. 15 USC 1681 Section 604a ( Section 2 ) : Prohibits consumer reporting agencies from furnishing an account without my written instructions.\n\n3. 15 USC 1666b : States that a creditor can not treat a payment on an open-end consumer credit plan as late unless it has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.\n\nI asser that I have never authorized the furnishing of any information to your agency by the above-listed creditor without my written consent, constituting a violation of 15 USC 1681b . The inaccurate reporting of late payments has caused me undue stress and anxiety due to these unfair practices.\n\nAction Requested 1. Provide Concrete Evidence : Please provide me with the requested internal records and documentation, including evidence of who certified the late payments and how this determination was made.\n\n2. Correct Credit Report : I demand that you correct my credit report to reflect these accounts as \" Pays As Agreed '' or \" Paid As Agreed, '' and update my payment history accordingly ( e.g., green check or greyed-out indicator ). \nPlease provide the requested information and documentation within 15 days of receipt of this letter, as required by the FCRA. Should you fail to provide satisfactory evidence or fail to correct the inaccuracies, I will be compelled to escalate this matter to the appropriate regulatory agencies and consider all available legal remedies. \nThank you for your prompt attention to this important matter. Please send your response to the address listed above. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-08-15T22:50:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"367XX","tags":null,"has_narrative":true,"complaint_id":"9811209","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-15T22:42:30.000Z","state":"AL","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":["I require <em>comprehensive</em> evidence, including who certified these late payments and the <em>methodology</em> <em>used</em> to determine their <em>accuracy</em>. \nXXXX. Investigation Process : Given the courts ruling in the above case, I assert that a thorough investigation into these discrepancies is necessary. A computer system alone is not a sufficient or reliable means of investigation to meet the FCRA 's requirements."],"issue":["Improper <em>use</em> of your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[15.260644,"9811209"]},{"_index":"complaint-public-v1","_id":"15478531","_score":14.960076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Dispute & Fair File Reinvestigation Demand ( FFRD ) Request for Detailed Explanation of Investigation Process, Documentation, and Post-Investigation Score Changes TransUnion continues to WILLFULLY fail to reinvestigate several collections disputed by me in compliance with FTC identity theft victims. \n\nTransUnion willfully decreased my score after the investigation in a retaliatory manner without explanation or reason Subject : Formal Dispute & Fair File Reinvestigation Demand ( FFRD ) Request for Detailed Explanation of Investigation Process, Documentation, and Post-Investigation Score Changes Creditor or Collector : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAmount {$540.00} Pursuant to the FCRA and specifically Section 611 ( 15 U.S.C. 1681i ), TransUnion is required to conduct a reasonable reinvestigation of disputed information. Therefore, I hereby formally demand a comprehensive, detailed explanation of the entire investigation process, including but not limited to : How TransUnion receives, processes, and acknowledges the receipt of my dispute. \nThe specific steps taken to investigate the disputed information. \nThe methodologies and criteria used to verify or refute the accuracy of the information. \nHow and when TransUnion communicates with furnishers regarding the dispute. \nThe types of documentation or evidence requested from furnishers. \nThe way such documentation is reviewed, analyzed, and incorporated into the reinvestigation. \nHow final determinations are made regarding the disputed items. \nThe timeline for each step of the investigation, including any intermediate communications. \nAny internal controls or quality assurance procedures to ensure maximum possible accuracy, as required under FCRA 1681 ( a ) ( 6 ) ( B ) ( iii ).\n\nThe method by which my credit file is updated following the investigation.\n\nCopies of all communications with furnishers, and copies of all documentation provided to or received from furnishers during the reinvestigation.\n\nFurther, I request copies of all documents and evidence reviewed or relied upon during the investigation and a written report of the investigation results, detailing the findings for each disputed item, including the rationale for any corrections, deletions, or confirmations of the information. \n\nAdditionally, I request a review and disclosure regarding compliance with Consumer Mitigation Information ( CMI ) provisions under FCRA 605A ( 15 U.S.C. 1681c-1 ). Please confirm whether any information flagged as CMI was handled properly and in accordance with applicable laws. Failure to comply with CMI requirements constitutes a violation of federal law and may result in regulatory action.\n\nFurthermore, I demand a detailed explanation for the recent drop in my credit score following the completion of the dispute investigation. Specifically, I request : A clear and detailed explanation of why my credit score decreased after the dispute was resolved.\n\nIdentification of any changes made to my credit report as a result of the dispute investigation that may have contributed to the score drop. \nAn explanation of how these changes align with TransUnion 's scoring model and reporting practices. \nDocumentation of any communications or actions taken by TransUnion that may have impacted my credit score post-investigation.\n\nPlease be advised that under FCRA 1681i, you have 30 days to complete the reinvestigation and provide me with a full written response, including all requested explanations and documentation.\n\nRelevant Laws and Regulations : Your duties and obligations under federal law include, but are not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x Section 611 of the FCRA ( 15 U.S.C. 1681i ) reinvestigation procedures Section 1681 ( a ) ( 6 ) ( B ) ( iii ) procedures to ensure maximum possible accuracy Section 605A of the FCRA ( 15 U.S.C. 1681c-1 ) Consumer Mitigation Information Fair and Accurate Credit Transactions Act ( FACTA ) of 2003 Consumer Financial Protection Bureau ( CFPB ) Regulation V ( 12 CFR Part 1022 ) Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) furnishers duties Please treat this letter as a formal dispute under the FCRA and a demand for compliance with all applicable federal laws and regulations regarding credit reporting accuracy and reinvestigation. \n\nFailure to comply with these requirements will result in complaints to the CFPB, Federal Trade Commission, and other enforcement bodies, as well as potential legal action. \n\nI expect a thorough and transparent response within the 30-day statutory period, including all requested documentation and explanations. \n\nThank you for your immediate attention to this matter","date_sent_to_company":"2025-08-23T17:01:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"15478531","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-23T17:00:36.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Therefore, I hereby formally demand a <em>comprehensive</em>, detailed explanation of the entire investigation process, including but not limited to : How TransUnion receives, processes, and acknowledges the receipt of my dispute. \nThe specific steps taken to investigate the disputed <em>information</em>. \nThe <em>methodologies</em> and criteria <em>used</em> to verify or refute the <em>accuracy</em> of the <em>information</em>. \nHow and when TransUnion communicates with furnishers regarding the dispute."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Public record <em>information</em> inaccurate"]},"sort":[14.960076,"15478531"]},{"_index":"complaint-public-v1","_id":"12588069","_score":14.680971,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Equifax, To whom it may concern at Equifax, Regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n1. The following personal information is incorrect Employers : XXXX XXXX 2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. \n3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year>XXXX  Please remove it from my credit report. \nEnclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. I hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record.\n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX\n\nKindly comply with this request promptly. \nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification.\n\nFailure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes.\n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-03-20T21:49:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76105","tags":null,"has_narrative":true,"complaint_id":"12588069","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-20T21:43:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please note that it is necessary for you to complete this investigation <em>within</em> the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the <em>methodology</em> <em>used</em> to <em>ensure</em> the <em>accuracy</em> and <em>comprehensiveness</em> of the <em>information</em> <em>within</em> ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification."],"issue":["Improper <em>use</em> of your report"],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[14.680971,"12588069"]},{"_index":"complaint-public-v1","_id":"12588224","_score":14.054869,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Equifax, To whom it may concern at Equifax, Regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report. \nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX 4. The following personal information is incorrect Also Known As : XXXX XXXX 5. The following personal information is incorrect Former : XXXX XXXX XXXX 6. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 7. The following personal information is incorrect Employers : XXXX 8 The following personal information is incorrect Employers : XXXX XXXX  Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. I hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the XXXXXXXX XXXX XXXX, and the XXXX XXXX XXXX. \nKindly comply with this request promptly. \nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. \nFailure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \nThank you for your immediate attention to this matter. I anticipate a swift resolution. \nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX  XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX. \nXXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-03-20T22:06:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79107","tags":null,"has_narrative":true,"complaint_id":"12588224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-20T21:58:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Please note that it is necessary for you to complete this investigation <em>within</em> the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the <em>methodology</em> <em>used</em> to <em>ensure</em> the <em>accuracy</em> and <em>comprehensiveness</em> of the <em>information</em> <em>within</em> ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[14.054869,"12588224"]},{"_index":"complaint-public-v1","_id":"12587119","_score":14.033783,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian, XXXX whom it may concern at Experian, Regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \nI am extremely disappointed by the findings of section FCRA XXXX ( XXXX XXXX. XXXX ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report. \nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \nXXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX APT XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX CA XXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in XXXX U.S.C. XXXX. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. I hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the Better Business Bureau. \nKindly comply with this request promptly. \nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ). Please provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within XXXX  days of receiving this official notification. \nFailure to do so XXXX result in legal action against your establishment, seeking {$5000.00} for each infraction. \nXXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX abusive practices XXXX. ) XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports XXXX. ) XXXX XXXX code XXXX XXXX XXXX Misleading False Reporting As per the mandates delineated in XXXX XXXX Code XXXX ( a ) ( XXXX ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said XXXX. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \nThank you for your immediate attention to this matter. I anticipate a swift resolution. \nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX CT XXXX, CA XXXX SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX. \nXXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-03-20T22:21:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93555","tags":null,"has_narrative":true,"complaint_id":"12587119","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-20T22:15:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Please note that it is necessary for you to complete this investigation <em>within</em> the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ). Please provide the details of the <em>methodology</em> <em>used</em> to <em>ensure</em> the <em>accuracy</em> and <em>comprehensiveness</em> of the <em>information</em> <em>within</em> ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your XXXX of XXXX."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[14.033783,"12587119"]},{"_index":"complaint-public-v1","_id":"12588015","_score":14.007954,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian, To whom it may concern at Experian, Regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report. \nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n1. The following personal information is incorrect Also Known As : XXXX XXXX 2. The following personal information is incorrect Employers : XXXX XXXX 3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. \n4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. I hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX \nKindly comply with this request promptly. \nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification.\n\nFailure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \nThank you for your immediate attention to this matter. I anticipate a swift resolution. \nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXXXXXX : XXXX Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-03-20T21:39:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"79107","tags":null,"has_narrative":true,"complaint_id":"12588015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-20T21:35:13.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please note that it is necessary for you to complete this investigation <em>within</em> the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the <em>methodology</em> <em>used</em> to <em>ensure</em> the <em>accuracy</em> and <em>comprehensiveness</em> of the <em>information</em> <em>within</em> ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification."],"issue":["Improper <em>use</em> of your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[14.007954,"12588015"]},{"_index":"complaint-public-v1","_id":"12582077","_score":13.997953,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Transunion, To whom it may concern at Transunion, Regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation.\n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately.\n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report. \nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. The following personal information is incorrect Employers : XXXX 5. The following personal information is incorrect Also Known As : XXXX XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. I hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX. \nKindly comply with this request promptly. \nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification.\n\nFailure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \nThank you for your immediate attention to this matter. I anticipate a swift resolution. \nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. \nXXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX","date_sent_to_company":"2025-03-20T21:39:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"79107","tags":null,"has_narrative":true,"complaint_id":"12582077","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-20T21:35:13.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please note that it is necessary for you to complete this investigation <em>within</em> the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the <em>methodology</em> <em>used</em> to <em>ensure</em> the <em>accuracy</em> and <em>comprehensiveness</em> of the <em>information</em> <em>within</em> ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification."],"issue":["Improper <em>use</em> of your report"],"sub_issue":["Reporting company <em>used</em> your report improperly"]},"sort":[13.997953,"12582077"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":160,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":160}]}},"product":{"doc_count":160,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":156,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":156}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":2}]}},{"key":"Credit 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