{"took":200,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":243,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10329383","_score":20.498562,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Despite the ongoing investigation, Equifax has been changing the account 's remarks on my credit report multiple times, rather than removing the fraudulent account. These actions are inaccurate and misleading.Despite the ongoing investigation, Equifax has been changing the account 's remarks on my credit report multiple times, rather than removing the fraudulent account. These actions are inaccurate and misleading.I have contacted Equifax directly, explaining the identity theft and requesting corrections. However, Equifax continues to make inaccurate updates to the remarks instead of rectifying the issue.","date_sent_to_company":"2024-10-03T14:58:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30157","tags":null,"has_narrative":true,"complaint_id":"10329383","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-03T14:44:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Despite the ongoing investigation, Equifax has been changing the account 's <em>remarks</em> on my credit <em>report</em> multiple <em>times</em>, rather than removing the fraudulent account. These actions are <em>inaccurate</em> and <em>misleading</em>.Despite the ongoing investigation, Equifax has been changing the account 's <em>remarks</em> on my credit <em>report</em> multiple <em>times</em>, rather than removing the fraudulent account."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[20.498562,"10329383"]},{"_index":"complaint-public-v1","_id":"15156477","_score":17.034151,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Discover Bank regarding my Discover It Chrome Card ending in XXXX. The current reported balance is {$230.00}. The remarks on my credit file have repeatedly changed to Profit and Loss, Write-Off, Dispute Resolved, Reported by Grantor. Discover has changed these remarks at least XXXX ( XXXX ) times, often twice per week, which has caused my credit score to drop by nearly XXXX points after I had successfully improved it by over XXXX points in less than XXXX days. \n\nThis account was the result of fraud the card was stolen, and I promptly reported this to Discover. Despite my report, Discover has refused to conduct a proper investigation and continues to furnish inaccurate and misleading information to the credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure accuracy and completeness and to conduct a reasonable investigation of any disputed information. \n\nDiscovers ongoing and repeated reporting of these inaccurate remarks, despite my documented fraud report and disputes, constitutes a failure to correct errors in my credit file. This has caused severe and ongoing harm to my creditworthiness. \n\nI am requesting that Discover immediately remove all inaccurate and misleading remarks from this account, accurately report the account as the result of fraud, and provide me written confirmation of the correction to all credit reporting agencies.","date_sent_to_company":"2025-08-08T01:07:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28210","tags":null,"has_narrative":true,"complaint_id":"15156477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-08-08T00:38:40.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Discovers ongoing and repeated <em>reporting</em> of these <em>inaccurate</em> <em>remarks</em>, despite my documented fraud <em>report</em> and disputes, constitutes a failure to correct errors in my credit file. This has caused severe and ongoing harm to my creditworthiness. \n\nI am requesting that Discover immediately remove all <em>inaccurate</em> and <em>misleading</em> <em>remarks</em> from this account, accurately <em>report</em> the account as the result of fraud, and provide me written confirmation of the correction to all credit <em>reporting</em> agencies."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.034151,"15156477"]},{"_index":"complaint-public-v1","_id":"17827152","_score":16.505358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Carrington Mortgage is furnishing an obsolete and inaccurate special comment code on my credit reports that reads : Loan Modified Under A Federal Government Plan. \n\nMy COVID-era modification ended years ago in 2022. The mortgage is fully current with no delinquencies. No federal plan, program, or forbearance is active on my account. \n\nI have disputed this multiple times with XXXX, XXXX, and XXXX. Each time, the bureaus report that Carrington VERIFIED the remark as accurate. \n\nThis remark is not accurate. \nIt is outdated, misleading, and is causing automated denials from multiple prime lenders, including XXXX XXXX and XXXX. \n\nCarrington is violating FCRA 623 by : 1. Furnishing information that is no longer accurate or complete 2. Refusing to investigate and correct the outdated remark 3. Continuing to re-report the obsolete special comment each month 4. Blocking my ability to obtain credit due to inaccurate reporting I am requesting that the CFPB require Carrington to : Remove the Loan Modified Under A Federal Government Plan comment Remove all modification/CARES Act/loss mitigation codes Submit an AUD deleting the remark with all three credit bureaus Provide written confirmation of correction Cease re-furnishing this obsolete remark in monthly reporting Thank you.","date_sent_to_company":"2025-12-08T13:53:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33433","tags":null,"has_narrative":true,"complaint_id":"17827152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARRINGTON MORTGAGE SERVICES, LLC","date_received":"2025-12-08T13:32:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Carrington Mortgage is furnishing an obsolete and <em>inaccurate</em> special comment code on my credit <em>reports</em> that reads : Loan Modified Under A Federal Government Plan. \n\nMy COVID-era modification ended years ago in 2022. The mortgage is fully current with no delinquencies. No federal plan, program, or forbearance is active on my account. \n\nI have disputed this multiple <em>times</em> with XXXX, XXXX, and XXXX. Each time, the bureaus <em>report</em> that Carrington VERIFIED the <em>remark</em> as accurate."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[16.505358,"17827152"]},{"_index":"complaint-public-v1","_id":"7893716","_score":16.115183,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I Have been disputing these accounts for several months and this credit bureau is not taking the proper measures to Fix the inaccuracies on my credit report which is tarnishing my good name and credit. First I want to start off by listing the Accounts that I have been trying to get dispute and removed due to many inaccuracies. \nXXXX  XXXX XXXX - Account # : XXXX  XXXX  XXXX - Account # : XXXX  XXXX XXXX XXXX - Account # XXXX  XXXX XXXX : XXXX  All of these account are reporting a lot of inaccuracies Account Number XXXX  The following is reporting inaccurate on my credit report with these accounts listed above -Account Status is reporting inaccurate/ misleading -Open Date is reporting inaccurate/ misleading -Last Activity is reporting inaccurate/ misleading -Type is reporting inaccurate/ misleading -Responsibility is reporting inaccurate/ misleading -Remarks is reporting inaccurate/ misleading -Times 30/60/90 Days Late is reporting inaccurate/ misleading -Month 's Reviewed is reporting inaccurate/ misleading -Term Source Type is reporting inaccurate/ misleading -High Balance is reporting inaccurate/ misleading -High Credit is reporting inaccurate/ misleading -Monthly Payment is reporting inaccurate/ misleading -Current Payment Status is reporting inaccurate/ misleading -Amount Past Due is reporting inaccurate/ misleading This is a violation of FRCA laws and Metro 2 Compliance. All information needs to be 100 % Accurate My name is Also reporting inaccurate and my address as well. The only name I should have on File is XXXX XXXX XXXX XXXX exactly as spelled. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I will attach my most recent dispute letter and most recent credit report.","date_sent_to_company":"2023-11-22T18:05:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33014","tags":null,"has_narrative":true,"complaint_id":"7893716","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-22T17:33:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>inaccurate</em>/ <em>misleading</em> -<em>Remarks</em> is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -<em>Times</em> 30/60/90 Days Late is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Month 's Reviewed is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Term Source Type is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -High Balance is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -High Credit is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Monthly Payment is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Current Payment Status is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Amount Past Due is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em>"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.115183,"7893716"]},{"_index":"complaint-public-v1","_id":"7893746","_score":16.093035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I Have been disputing these accounts for several months and this credit bureau is not taking the proper measures to Fix the inaccuracies on my credit report which is tarnishing my good name and credit. First I want to start off by listing the Accounts that I have been trying to get dispute and removed due to many inaccuracies. XXXX  XXXX XXXX - Account # : XXXX XXXX  XXXX - Account # : XXXXXXXX XXXX XXXX XXXX - Account # XXXX  XXXX XXXX  : XXXX  All of these account are reporting a lot of inaccuracies The following is reporting inaccurate on my credit report with these accounts listed above -Account Status is reporting inaccurate/ misleading -Open Date is reporting inaccurate/ misleading -Last Activity is reporting inaccurate/ misleading -Type is reporting inaccurate/ misleading -Responsibility is reporting inaccurate/ misleading -Remarks is reporting inaccurate/ misleading -Times 30/60/90 Days Late is reporting inaccurate/ misleading XXXXMonth 's Reviewed is reporting inaccurate/ misleading -Term Source Type is reporting inaccurate/ misleading -High Balance is reporting inaccurate/ misleading -High Credit is reporting inaccurate/ misleading -Monthly Payment is reporting inaccurate/ misleading -Current Payment Status is reporting inaccurate/ misleading -Amount Past Due is reporting inaccurate/ misleading This is a violation of FRCA laws and Metro 2 Compliance. All information needs to be 100 % Accurate My name is Also reporting inaccurate and my address as well. The only name I should have on File is XXXX XXXX XXXX XXXX exactly as spelled. My current and only address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I will attach my most recent dispute letter and most recent credit report.","date_sent_to_company":"2023-11-22T18:12:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33014","tags":null,"has_narrative":true,"complaint_id":"7893746","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-22T18:06:35.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>misleading</em> -<em>Remarks</em> is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -<em>Times</em> 30/60/90 Days Late is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> XXXXMonth 's Reviewed is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Term Source Type is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -High Balance is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -High Credit is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Monthly Payment is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Current Payment Status is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Amount Past Due is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> This"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.093035,"7893746"]},{"_index":"complaint-public-v1","_id":"7891748","_score":16.093035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I Have been disputing these accounts for several months and this credit bureau is not taking the proper measures to Fix the inaccuracies on my credit report which is tarnishing my good name and credit. First I want to start off by listing the Accounts that I have been trying to get dispute and removed due to too many inaccuracies. XXXX  XXXX XXXX - Account # : XXXX, XXXXXXXX XXXX : XXXX. All of these account are reporting a lot of inaccuracies Account Number XXXX The following is reporting inaccurate on my credit report with these accounts listed above -Account Status is reporting inaccurate/ misleading -Open Date is reporting inaccurate/ misleading -Last Activity is reporting inaccurate/ misleading -Type is reporting inaccurate/ misleading -Responsibility is reporting inaccurate/ misleading -Remarks is reporting inaccurate/ misleading -Times XXXX Days Late is reporting inaccurate/ misleading -Month 's Reviewed is reporting inaccurate/ misleading -Term Source Type is reporting inaccurate/ misleading -High Balance is reporting inaccurate/ misleading -High Credit is reporting inaccurate/ misleading -Monthly Payment is reporting inaccurate/ misleading -Current Payment Status is reporting inaccurate/ misleading -Amount Past Due is reporting inaccurate/ misleading This is a violation of FRCA laws and Metro 2 Compliance. All information needs to be 100 % Accurate My name is Also reporting inaccurate and my address as well. The only name I should have on File is XXXX XXXX XXXX XXXX exactly as spelled. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX I will attach my most recent dispute letter and most recent credit report.","date_sent_to_company":"2023-11-22T18:19:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33014","tags":null,"has_narrative":true,"complaint_id":"7891748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-22T18:13:26.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All of these account are <em>reporting</em> a lot of inaccuracies Account Number XXXX The following is <em>reporting</em> <em>inaccurate</em> on my credit <em>report</em> with these accounts listed above -Account Status is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Open Date is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Last Activity is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Type is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -Responsibility is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -<em>Remarks</em> is <em>reporting</em> <em>inaccurate</em>/ <em>misleading</em> -<em>Times</em> XXXX Days Late is <em>reporting</em> <em>inaccurate</em>"],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.093035,"7891748"]},{"_index":"complaint-public-v1","_id":"7506569","_score":15.466753,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hereby dispute the current payment status and remark comment associated with my credit report for NAVY FEDERAL CREDIT UNION for a Credit Limit of {$9000.00}. The remark comment indicates \" Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. \n\nThe length of the placement in regard to my Payment History for Current Payment Status and Remark comment demonstrates that at all times the credit reporting agency and furnisher knowingly and recklessly violated the FCRA. \n\nI would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. \n\n\nCurrent Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. \n\n\nConsidering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. \n\n\nIn accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. \n\n\nThank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.","date_sent_to_company":"2023-09-06T12:22:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30005","tags":"Servicemember","has_narrative":true,"complaint_id":"7506569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-09-06T12:22:45.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["It is crucial that my credit <em>report</em> accurately reflects the status of my financial obligations, and the current <em>Remark</em> comment is not only <em>misleading</em> but is not being accurately <em>reported</em> as required by law and is detrimental to my creditworthiness. \n\n\nIn accordance with the Fair Credit <em>Reporting</em> Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any <em>inaccurate</em> information on my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[15.466753,"7506569"]},{"_index":"complaint-public-v1","_id":"7512089","_score":15.466412,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates \" Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. \n\nThe length of the placement in regard to my Payment History for Current Payment Status and Remark comment demonstrates that at all times the credit reporting agency and furnisher knowingly and recklessly violated the FCRA. \n\nI would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. \n\n\nCurrent Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. \n\n\nConsidering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. \n\n\nIn accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. \n\n\nThank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.","date_sent_to_company":"2023-09-06T12:22:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30005","tags":"Servicemember","has_narrative":true,"complaint_id":"7512089","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-06T12:07:01.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["It is crucial that my credit <em>report</em> accurately reflects the status of my financial obligations, and the current <em>Remark</em> comment is not only <em>misleading</em> but is not being accurately <em>reported</em> as required by law and is detrimental to my creditworthiness. \n\n\nIn accordance with the Fair Credit <em>Reporting</em> Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any <em>inaccurate</em> information on my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[15.466412,"7512089"]},{"_index":"complaint-public-v1","_id":"7506568","_score":15.459542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates \" Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. \n\nThe length of the placement in regard to my Payment History for Current Payment Status and Remark comment demonstrates that at all times the credit reporting agency and furnisher knowingly and recklessly violated the FCRA. \n\nI would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections.\n\nCurrent Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. \n\n\nConsidering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. \n\n\nIn accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. \n\n\nThank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.","date_sent_to_company":"2023-09-06T12:22:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30005","tags":"Servicemember","has_narrative":true,"complaint_id":"7506568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-06T12:22:45.000Z","state":"GA","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":["It is crucial that my credit <em>report</em> accurately reflects the status of my financial obligations, and the current <em>Remark</em> comment is not only <em>misleading</em> but is not being accurately <em>reported</em> as required by law and is detrimental to my creditworthiness. \n\n\nIn accordance with the Fair Credit <em>Reporting</em> Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any <em>inaccurate</em> information on my credit <em>report</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[15.459542,"7506568"]},{"_index":"complaint-public-v1","_id":"13019723","_score":15.396048,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Repeated Inaccurate Reporting by Santander Request for Deletion Due to FCRA Violations I am filing this complaint due to repeated inaccurate reporting by Santander on an auto loan account that has significantly impacted my credit. I have disputed this account multiple times ( at least three ), and although changes were made after each dispute, the information continues to be reported incorrectly.\n\nThe inaccuracies have included ( but are not limited to ) : Incorrect closing dates Wrong payment dates and amounts Inaccurate payment history Conflicting statuses ( e.g., In Collections, Charged Off, and Profit and Loss Write-Off all appearing ) And remarks are missing. As I have disputed this account multiple times with TransUnion, Equifax, and Experian This pattern of inconsistent and misleading reporting clearly violates the Fair Credit Reporting Act ( FCRA ), specifically Section 623, which requires furnishers to report accurate information and properly investigate disputes.","date_sent_to_company":"2025-04-16T13:27:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46222","tags":null,"has_narrative":true,"complaint_id":"13019723","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-04-16T13:10:43.000Z","state":"IN","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["As I have disputed this account multiple <em>times</em> with TransUnion, Equifax, and Experian This pattern of inconsistent and <em>misleading</em> <em>reporting</em> clearly violates the Fair Credit <em>Reporting</em> Act ( FCRA ), specifically Section 623, which requires furnishers to <em>report</em> accurate information and properly investigate disputes."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[15.396048,"13019723"]},{"_index":"complaint-public-v1","_id":"18065607","_score":15.365184,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies for continued inaccurate, misleading, and inconsistent reporting of the same account in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The XXXX XXXX XXXX account is being reported multiple times with conflicting account types ( auto lease/automobile/lease ), inconsistent remarks regarding dispute status, and inaccurate payment history data. Despite reflecting a zero balance, no past-due amount, and XXXX XXXX left to pay, the account continues to display late payment indicators and varying month counts, which materially misrepresents my creditworthiness. \n\nThese inconsistencies demonstrate a failure by both the furnisher and the credit bureaus to ensure maximum possible accuracy and to conduct a reasonable reinvestigation after disputes were submitted. Reporting the same obligation with differing data is misleading, deceptive, and harmful, and constitutes continued noncompliance with FCRA requirements.","date_sent_to_company":"2025-12-16T06:07:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11218","tags":null,"has_narrative":true,"complaint_id":"18065607","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-16T05:49:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing this complaint against XXXX XXXX XXXX and the credit <em>reporting</em> agencies for continued <em>inaccurate</em>, <em>misleading</em>, and inconsistent <em>reporting</em> of the same account in violation of the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 1681 ). The XXXX XXXX XXXX account is being <em>reported</em> multiple <em>times</em> with conflicting account types ( auto lease/automobile/lease ), inconsistent <em>remarks</em> regarding dispute status, and <em>inaccurate</em> payment history data."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.365184,"18065607"]},{"_index":"complaint-public-v1","_id":"18065609","_score":15.358677,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies for continued inaccurate, misleading, and inconsistent reporting of the same account in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The XXXX XXXX XXXX account is being reported multiple times with conflicting account types ( auto lease/automobile/lease ), inconsistent remarks regarding dispute status, and inaccurate payment history data. Despite reflecting a zero balance, no past-due amount, and XXXX XXXX left to pay, the account continues to display late payment indicators and varying month counts, which materially misrepresents my creditworthiness. \n\nThese inconsistencies demonstrate a failure by both the furnisher and the credit bureaus to ensure maximum possible accuracy and to conduct a reasonable reinvestigation after disputes were submitted. Reporting the same obligation with differing data is misleading, deceptive, and harmful, and constitutes continued noncompliance with FCRA requirements.","date_sent_to_company":"2025-12-16T06:07:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11218","tags":null,"has_narrative":true,"complaint_id":"18065609","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-16T06:06:36.000Z","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 am filing this complaint against XXXX XXXX XXXX and the credit <em>reporting</em> agencies for continued <em>inaccurate</em>, <em>misleading</em>, and inconsistent <em>reporting</em> of the same account in violation of the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 1681 ). The XXXX XXXX XXXX account is being <em>reported</em> multiple <em>times</em> with conflicting account types ( auto lease/automobile/lease ), inconsistent <em>remarks</em> regarding dispute status, and <em>inaccurate</em> payment history data."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.358677,"18065609"]},{"_index":"complaint-public-v1","_id":"18065608","_score":15.347898,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies for continued inaccurate, misleading, and inconsistent reporting of the same account in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The XXXX XXXX XXXX account is being reported multiple times with conflicting account types ( auto lease/automobile/lease ), inconsistent remarks regarding dispute status, and inaccurate payment history data. Despite reflecting a zero balance, no past-due amount, and XXXX XXXX left to pay, the account continues to display late payment indicators and varying month counts, which materially misrepresents my creditworthiness. \n\nThese inconsistencies demonstrate a failure by both the furnisher and the credit bureaus to ensure maximum possible accuracy and to conduct a reasonable reinvestigation after disputes were submitted. Reporting the same obligation with differing data is misleading, deceptive, and harmful, and constitutes continued noncompliance with FCRA requirements.","date_sent_to_company":"2025-12-16T06:07:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11218","tags":null,"has_narrative":true,"complaint_id":"18065608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-16T06:06:36.000Z","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 am filing this complaint against XXXX XXXX XXXX and the credit <em>reporting</em> agencies for continued <em>inaccurate</em>, <em>misleading</em>, and inconsistent <em>reporting</em> of the same account in violation of the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 1681 ). The XXXX XXXX XXXX account is being <em>reported</em> multiple <em>times</em> with conflicting account types ( auto lease/automobile/lease ), inconsistent <em>remarks</em> regarding dispute status, and <em>inaccurate</em> payment history data."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.347898,"18065608"]},{"_index":"complaint-public-v1","_id":"16313914","_score":15.120785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Improper Credit Reporting and Account Updates by XXXX XXXX XXXX Summary : I am filing a complaint regarding XXXX XXXX XXXX for continuing to report and make changes to an account that should not be reporting on my credit file. \n\nDetails : Between XX/XX/year> and XX/XX/year>, a new remark code ( Fixed Rate ) was added to the account reported by XXXX XXXX XXXX on my credit report. \n\nThis account has already been disputed multiple times. It was previously deleted/removed, yet it continues to reappear with new remarks and updates without proper verification or notice. \n\nThe addition of this remark code is misleading and creates the appearance of new or valid activity, which may constitute re-aging of the account.\n\nThis is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a proper reinvestigation.\n\n15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate information after notice of dispute.\n\n15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide notice of reinsertion after deletion.","date_sent_to_company":"2025-10-02T22:11:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"16313914","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-02T22:10:37.000Z","state":"AR","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":["Subject : Improper Credit <em>Reporting</em> and Account Updates by XXXX XXXX XXXX Summary : I am filing a complaint regarding XXXX XXXX XXXX for continuing to <em>report</em> and make changes to an account that should not be <em>reporting</em> on my credit file. \n\nDetails : Between XX/XX/year> and XX/XX/year>, a new <em>remark</em> code ( Fixed Rate ) was added to the account <em>reported</em> by XXXX XXXX XXXX on my credit <em>report</em>. \n\nThis account has already been disputed multiple <em>times</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[15.120785,"16313914"]},{"_index":"complaint-public-v1","_id":"16314867","_score":15.120147,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Improper Credit Reporting and Account Updates by Global Lending Services Summary : I am filing a complaint regarding Global Lending Services for continuing to report and make changes to an account that should not be reporting on my credit file. \n\nDetails : Between XX/XX/year> and XX/XX/year>, a new remark code ( Fixed Rate ) was added to the account reported by Global Lending Services on my credit report.\n\nThis account has already been disputed multiple times. It was previously deleted/removed, yet it continues to reappear with new remarks and updates without proper verification or notice.\n\nThe addition of this remark code is misleading and creates the appearance of new or valid activity, which may constitute re-aging of the account.\n\nThis is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a proper reinvestigation.\n\n15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate information after notice of dispute.\n\n15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide notice of reinsertion after deletion.","date_sent_to_company":"2025-10-02T22:11:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"16314867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2025-10-02T22:02:48.000Z","state":"AR","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Improper Credit <em>Reporting</em> and Account Updates by Global Lending Services Summary : I am filing a complaint regarding Global Lending Services for continuing to <em>report</em> and make changes to an account that should not be <em>reporting</em> on my credit file. \n\nDetails : Between XX/XX/year> and XX/XX/year>, a new <em>remark</em> code ( Fixed Rate ) was added to the account <em>reported</em> by Global Lending Services on my credit <em>report</em>.\n\nThis account has already been disputed multiple <em>times</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[15.120147,"16314867"]},{"_index":"complaint-public-v1","_id":"16313915","_score":15.119896,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Improper Credit Reporting and Account Updates by XXXX XXXX XXXX Summary : I am filing a complaint regarding XXXX XXXX XXXX for continuing to report and make changes to an account that should not be reporting on my credit file. \n\nDetails : Between XX/XX/year> and XX/XX/year>, a new remark code ( Fixed Rate ) was added to the account reported by XXXX XXXX XXXX on my credit report. \n\nThis account has already been disputed multiple times. It was previously deleted/removed, yet it continues to reappear with new remarks and updates without proper verification or notice. \n\nThe addition of this remark code is misleading and creates the appearance of new or valid activity, which may constitute re-aging of the account. \n\nThis is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a proper reinvestigation. 15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate information after notice of dispute.\n\n15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide notice of reinsertion after deletion.","date_sent_to_company":"2025-10-02T22:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"16313915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-02T22:10:37.000Z","state":"AR","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Improper Credit <em>Reporting</em> and Account Updates by XXXX XXXX XXXX Summary : I am filing a complaint regarding XXXX XXXX XXXX for continuing to <em>report</em> and make changes to an account that should not be <em>reporting</em> on my credit file. \n\nDetails : Between XX/XX/year> and XX/XX/year>, a new <em>remark</em> code ( Fixed Rate ) was added to the account <em>reported</em> by XXXX XXXX XXXX on my credit <em>report</em>. \n\nThis account has already been disputed multiple <em>times</em>."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[15.119896,"16313915"]},{"_index":"complaint-public-v1","_id":"16097388","_score":15.018608,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX is reporting a {$4100.00} account as placed for collection on my credit report. The account was closed on XX/XX/year>, and continues to be updated as derogatory with the remark account information disputed by consumer.\n\nI have disputed this account multiple times. Despite my disputes, neither XXXX nor the credit reporting agencies have provided the legally required\n\nMethod of Verification under FCRA 611 ( a ) ( 7 ). They have not produced : The original signed service agreement, An itemized billing statement showing how the {$4100.00} was calculated, or Proof that proper notice was sent before placing the account into collections. Instead of providing verification, the bureaus and XXXX continue to update the tradeline with dispute remarks, which is misleading and does not resolve the dispute. If XXXX has sold this debt to a third-party, then the debt collector is also required under the FDCPA to validate the debt. No such validation has been provided.\n\nThis account remains unverified and its continued reporting is inaccurate and unlawful under the FCRA and FDCPA.","date_sent_to_company":"2025-09-24T01:11:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"15068","tags":null,"has_narrative":true,"complaint_id":"16097388","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-24T01:10:52.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX XXXX is <em>reporting</em> a {$4100.00} account as placed for collection on my credit <em>report</em>. The account was closed on XX/XX/year>, and continues to be updated as derogatory with the <em>remark</em> account information disputed by consumer.\n\nI have disputed this account multiple <em>times</em>. Despite my disputes, neither XXXX nor the credit <em>reporting</em> agencies have provided the legally required\n\nMethod of Verification under FCRA 611 ( a ) ( 7 )."]},"sort":[15.018608,"16097388"]},{"_index":"complaint-public-v1","_id":"11290831","_score":14.688239,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"WESTLAKE FINANCIAL WESTLAKE PORTFOLIO MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inaccurate reporting and or misleading information on consumers credit report Overview You have 100 % left to pay on this loan. \n\nBalance {$0.00} Highest Balance No Info Monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term 29 months Payment History Youve made 88 % of payments for this account on time. \n\nPayment history table, broken down by month J F M A M J J A S O N D XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Paid Type Auto Responsibility Individual Account. \nRemarks Account paid for less than full balance Paid charge off Times 30/60/90XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX This company inaccurately reporting to credit bureaus Double inaccurate entries of account not mine WESTLAKE FINANCIAL Reported : XXXX XXXX, XXXX Overview You have 100 % left to pay on this loan. \n\nBalance {$0.00} Highest Balance No Info Monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term 12 months Payment History Youve made 97 % of payments for this account on time. \n\nPayment history table, broken down by month J F M A M J J A S O N D XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Transferred Type Unsecured Responsibility Individual Account. \nRemarks Charged off account Times 30/60/90 days late XXXX Closed XXXX XXXX, XXXX This information is inaccurate reporting and misleading information of consumer accounts","date_sent_to_company":"2024-12-26T09:48:26.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"30350","tags":null,"has_narrative":true,"complaint_id":"11290831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2024-12-26T08:48:39.000Z","state":"GA","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":["<em>Remarks</em> Charged off account <em>Times</em> 30/60/90 days late XXXX Closed XXXX XXXX, XXXX This information is <em>inaccurate</em> <em>reporting</em> and <em>misleading</em> information of consumer accounts"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[14.688239,"11290831"]},{"_index":"complaint-public-v1","_id":"21172551","_score":14.656018,"_source":{"product":"Debt collection","complaint_what_happened":"Beginning in XXXX, XXXX, TransUnion began reporting a debt from XXXX XXXX XXXX.I am disputingthis account as inaccurate and incomplete. The account is missing a required account type, listes the original creditor a the same entity as the collection agency, and contains duplicate and inconsistent remarks ( \" placed for collections '' ), listed multiple times. \nAdditionally, the acount status is reported as \" open '' while simultaneously being a collection account ' which is misleading.\n\nUnder the Fair Credit Reporting Act ( FCRA 611 and 1681e ( b ), I request full verification of this account, including : The original signed contract Complete account history Proper identification of the original creditor Documentation proving legal authority to collect.","date_sent_to_company":"2026-04-12T16:54:41.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"28277","tags":null,"has_narrative":true,"complaint_id":"21172551","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-04-12T16:37:12.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Beginning in XXXX, XXXX, TransUnion began <em>reporting</em> a debt from XXXX XXXX XXXX.I am disputingthis account as <em>inaccurate</em> and incomplete. The account is missing a required account type, listes the original creditor a the same entity as the collection agency, and contains duplicate and inconsistent <em>remarks</em> ( \" placed for collections '' ), listed multiple <em>times</em>. \nAdditionally, the acount status is <em>reported</em> as \" open '' while simultaneously being a collection account ' which is <em>misleading</em>."]},"sort":[14.656018,"21172551"]},{"_index":"complaint-public-v1","_id":"17517412","_score":14.652159,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because the credit bureau ( Experian ) have failed to correct or delete an inaccurate collection account reported by the furnisher, XXXX XXXX XXXX, under Account # XXXXXXXX XXXX XXXX \n\nThis account has been formally disputed four separate times due to clear inaccuracies and a lack of legal validation, yet it remains on my report. This failure to act constitutes a violation of the Fair Credit Reporting Act ( FCRA ). \n\nWhy the Account is Inaccurate : The continued reporting of this debt contains verifiable, uncorrected errors : Conflicting Dispute Status : The furnisher 's own remark states, \" Customer disputed account, '' but the credit bureau report officially lists the dispute status as \" Account not disputed. '' This conflicting information is misleading and violates the FCRA duty to report accurately. \n\nMisleading Account Status : The account is listed as \" Closed, '' but it continues to show an alleged balance owed, which is misleading to potential creditors. \n\nUnverified Ownership : The Original Creditor is listed as \" XXXX XXXX XXXX, '' while the reporting company is \" XXXX XXXX XXXX XXXX' The furnisher has failed to provide required documentation proving their legal right to collect and report on this specific debt.","date_sent_to_company":"2025-11-26T22:13:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"430XX","tags":null,"has_narrative":true,"complaint_id":"17517412","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-26T20:25:15.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Why the Account is <em>Inaccurate</em> : The continued <em>reporting</em> of this debt contains verifiable, uncorrected errors : Conflicting Dispute Status : The furnisher 's own <em>remark</em> states, \" Customer disputed account, '' but the credit bureau <em>report</em> officially lists the dispute status as \" Account not disputed. '' This conflicting information is <em>misleading</em> and violates the FCRA duty to <em>report</em> accurately."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.652159,"17517412"]},{"_index":"complaint-public-v1","_id":"17241427","_score":14.398569,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because EasternACCOS is reporting inaccurate, inconsistent, and misleading information on my credit report. I have disputed this account several times with the credit bureaus, and nothing has been corrected even though the errors are obvious. \n\nThe Date of Last Activity is reported XXXX different ways : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX A collection account can not have a future Date of Last Activity. I have not made any payment or had any interaction with EasternACCOS that would justify updating the date. This makes the reporting misleading and violates FCRA accuracy requirements. \n\nThe account also shows Closed on some reports and XXXX on others. A collection account can not be open and closed at the same time, so this is clearly inaccurate. \n\nEasternACCOS is reporting the account as Collection/Chargeoff, even though they are not the original creditor and therefore can not legally report a charge-off. This is false and makes the account appear more negative than it should. \n\nThe balance is listed as {$130.00}, but the past due amount is listed as {$0.00}, which contradicts how collection accounts work. Collections do not have a past-due field. \n\nThe creditor remarks also conflict with the status Subject has not satisfied debt and Placed for collection do not match the Closed status being reported elsewhere. \n\nI have disputed this with the bureaus multiple times and every time it comes back verified with no changes, even though the reporting is inconsistent and inaccurate. I do not believe a proper investigation was done. \n\nThis incorrect reporting is hurting my credit unfairly and does not reflect accurate or verifiable information.","date_sent_to_company":"2025-11-15T06:44:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48126","tags":null,"has_narrative":true,"complaint_id":"17241427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Eastern Account Systems of Connecticut, Inc.","date_received":"2025-11-15T06:37:19.000Z","state":"MI","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am filing this complaint because EasternACCOS is <em>reporting</em> <em>inaccurate</em>, inconsistent, and <em>misleading</em> information on my credit <em>report</em>. I have disputed this account several <em>times</em> with the credit bureaus, and nothing has been corrected even though the errors are obvious. \n\nThe Date of Last Activity is <em>reported</em> XXXX different ways : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX A collection account can not have a future Date of Last Activity."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[14.398569,"17241427"]},{"_index":"complaint-public-v1","_id":"17029060","_score":14.04152,"_source":{"product":"Student loan","complaint_what_happened":"I am WAS LOOKING AT MY CREDIT REPORT ON XX/XX/XXXX AND NOTICED ALL OF THE INACCURACIES OVER THE YEARS AND HOW MANY TIMES THIS HAS BEEN SOLD OVER AND OVER MAKING IT UPDATE ON MY CREDIT REPORT. IM disputing the reporting of this DEPTEDNELNET student loan because the information is inaccurate, misleading, and outdated. This loan originated in XXXX, yet the report shows it opened in XXXX. The loan has been resold multiple times to collection agencies without my consent, even while it was in deferment and under consideration for forgiveness. This repeated resale is unauthorized, inaccurate, and has harmed my credit report. \n\nSpecific inaccuracies include : Incorrect loan origination date ( should be XXXX ). \n\nPayment history misreported ; many months are unknown or marked as No Info, conflicting with deferment records. \n\nAccount status misreported : still marked as open and derogatory despite forgiveness filing and deferment. \n\nDuplicate dispute remarks with no corrective action. \n\nBalance reporting conflicts ( reported balance exceeds highest balance ). \n\nUnauthorized reselling and multiple collection listings. \n\nSupporting Evidence : Loan statements from DEPT NELNET Records of payments, deferment, and forgiveness filing Documentation of unauthorized collection transfers","date_sent_to_company":"2025-11-19T15:39:58.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"716XX","tags":null,"has_narrative":true,"complaint_id":"17029060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-11-04T08:32:41.000Z","state":"AR","company_public_response":null,"sub_issue":"Problem with your payment plan"},"highlight":{"complaint_what_happened":["I am WAS LOOKING AT MY CREDIT <em>REPORT</em> ON XX/XX/XXXX AND NOTICED ALL OF THE INACCURACIES OVER THE YEARS AND HOW MANY <em>TIMES</em> THIS HAS BEEN SOLD OVER AND OVER MAKING IT UPDATE ON MY CREDIT <em>REPORT</em>. IM disputing the <em>reporting</em> of this DEPTEDNELNET student loan because the information is <em>inaccurate</em>, <em>misleading</em>, and outdated. This loan originated in XXXX, yet the <em>report</em> shows it opened in XXXX."]},"sort":[14.04152,"17029060"]},{"_index":"complaint-public-v1","_id":"2769976","_score":13.673762,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This letter is a formal complaint disputing the inaccurate reporting to XXXX, XXXX, and XXXX by XXXX XXXX XXXX. \n\nDue to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. \n\nPlease verify the inaccuracy of this information and delete it from XXXX, XXXX, and XXXX and provide me written proof that this has been completed.","date_sent_to_company":"2018-01-02T19:40:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91792","tags":null,"has_narrative":true,"complaint_id":"2769976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2018-01-02T19:40:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am attaching proof that this information does not belong in my file and/or is <em>inaccurate</em> and needs to be updated. I have <em>reported</em> this numerous <em>times</em> with a direct dispute to XXXX, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide <em>inaccurate</em> information and <em>report</em> <em>misleading</em> details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.673762,"2769976"]},{"_index":"complaint-public-v1","_id":"2769975","_score":13.673762,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This letter is a formal complaint disputing the inaccurate reporting to Equifax, XXXX, and XXXX by XXXX XXXX, XXXX. \n\nDue to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to Equifax, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. \n\nPlease verify the inaccuracy of this information and delete it from Equifax, XXXX, and XXXX and provide me written proof that this has been completed.","date_sent_to_company":"2018-01-02T19:40:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91792","tags":null,"has_narrative":true,"complaint_id":"2769975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-01-02T19:40:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am attaching proof that this information does not belong in my file and/or is <em>inaccurate</em> and needs to be updated. I have <em>reported</em> this numerous <em>times</em> with a direct dispute to Equifax, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide <em>inaccurate</em> information and <em>report</em> <em>misleading</em> details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.673762,"2769975"]},{"_index":"complaint-public-v1","_id":"2769921","_score":13.673762,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This letter is a formal complaint disputing the inaccurate reporting to XXXX, Experian, and XXXX  by XXXX XXXX, XXXX. \n\nDue to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, Experian, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. \n\nPlease verify the inaccuracy of this information and delete it from XXXX, Experian, and XXXX  and provide me written proof that this has been completed.","date_sent_to_company":"2018-01-02T19:40:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91792","tags":null,"has_narrative":true,"complaint_id":"2769921","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-01-02T19:04:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am attaching proof that this information does not belong in my file and/or is <em>inaccurate</em> and needs to be updated. I have <em>reported</em> this numerous <em>times</em> with a direct dispute to XXXX, Experian, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide <em>inaccurate</em> information and <em>report</em> <em>misleading</em> details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA."],"product":["Credit <em>reporting</em>, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[13.673762,"2769921"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":243,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":243}]}},"product":{"doc_count":243,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":204,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":204}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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