{"took":524,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2140,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"22623909","_score":17.091179,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against IC System , Inc. regarding their failure to properly validate an alleged debt and their continued furnishing of inaccurate information to consumer reporting agencies. \nI disputed this account, and in response IC System provided only a billing statement dated XX/XX/year> as verification of the debt. This document does not establish that I have any legal obligation to pay the debt, as it does not include a signed contract, service agreement, or any proof that I authorized this account. 1 Additionally, IC System stated in writing that they are ceasing communication and terminating collection efforts unless I initiate further contact. 1 Despite this, IC System continues to furnish this account to credit reporting agencies, which is misleading and potentially inaccurate. \nA billing statement alone is not sufficient to validate a debt under federal law. IC System has failed to provide : Any signed agreement or contract Proof of authorization A complete accounting of how the balance was calculated Documentation showing I am legally responsible for the debt Because IC System is unable to properly validate this account, their continued reporting of this information is inaccurate and harmful to my credit file. IC Systems actions appear to violate : FDCPA 1692g Failure to provide proper debt validation FDCPA 1692e Use of misleading representations FCRA 623 ( a ) ( 1 ) Furnishing inaccurate or unverified information FCRA 623 ( a ) ( 8 ) Failure to properly investigate a dispute","date_sent_to_company":"2026-05-27T18:01:30.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"33404","tags":null,"has_narrative":true,"complaint_id":"22623909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2026-05-27T17:49:46.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this complaint against IC System , Inc. regarding their <em>failure</em> to properly validate an alleged debt and their continued furnishing of inaccurate <em>information</em> to consumer reporting agencies. \nI disputed this account, and in response IC System provided only a billing <em>statement</em> dated XX/XX/year> as verification of the debt."],"issue":["False <em>statements</em> or representation"]},"sort":[17.091179,"22623909"]},{"_index":"complaint-public-v1","_id":"19223820","_score":16.3817,"_source":{"product":"Debt collection","complaint_what_happened":"Midland Management/Midland Credit Management is reporting a collection that is inaccurate, unverified, and unlawfully furnished to the credit bureaus. \n\nI requested validation, and the documents they sent on XX/XX/year> do not meet legal requirements. They failed to provide a full chain of assignment, signed contract, or itemized statements. \n\nI also filed an Answer to their lawsuit on XX/XX/year>, and they are still reporting inconsistent and incorrect information. \n\nI am requesting that the CFPB require Midland to either : 1. Provide proper, complete validation, or 2. Remove the account from all credit bureaus for failure to validate. \n\nTheir reporting is misleading, damaging, and non-compliant.","date_sent_to_company":"2026-02-03T21:45:30.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"49686","tags":null,"has_narrative":true,"complaint_id":"19223820","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2026-02-03T21:07:30.000Z","state":"MI","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I requested validation, and the <em>documents</em> they sent on XX/XX/year> do not meet legal requirements. They failed to provide a full chain of assignment, signed contract, or itemized <em>statements</em>. \n\nI also <em>filed</em> an Answer to their lawsuit on XX/XX/year>, and they are still reporting inconsistent and incorrect <em>information</em>. \n\nI am requesting that the CFPB require Midland to either : 1. Provide proper, complete validation, or 2. Remove the account from all credit bureaus for <em>failure</em> to validate."]},"sort":[16.3817,"19223820"]},{"_index":"complaint-public-v1","_id":"7355539","_score":16.098377,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX. In that complaint I alleged Equifax was persisting false/misleading information that harmed me as a consumer. In particular I alleged that I have experienced housing insecurity and housing discrimination because of the information contained in my credit file that was used by a tenant screening company. Equifax responded on or around XXXX XX/XX/XXXX alleging they reviwed all documents I supplied. This would mean they reviewed the documents from the creditor showing a misapplication of payment and irregular processing of a forbearance in late XXXX early XXXX that led to payment status narrative claiming the account is/was \" Not more than four payments past due. XXXX XXXX XXXX XXXX XXXX makes it quite clear : \" Our office did not mail billing statements during the timeframe of XX/XX/XXXX, through XX/XX/XXXX, as billing statements are suppressed while the loan account payments have been deferred. '' Thus, if the loan exited a deferment period in XX/XX/XXXX, the loan would not be sixty ( 60 ) days past-due beginning XX/XX/XXXX for a payment that was initially due in XX/XX/XXXX. The credit grantor 's assertion the first payment was due on or around XXXX XX/XX/XXXX is also moot because they acknowledge not providing billing statements ( statements suppressed ) for XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, a failure to provide periodic statements is both a violation of TILA/Regulation Z and the MPN ( see XXXX XXXX XXXX XXXX XXXX Finally, the account can not be reported by XXXX for XX/XX/XXXX because the account was transferred to another servicer/lender before the alleged due-date for XX/XX/XXXX. The alleged delinquencies for XX/XX/XXXX and XX/XX/XXXX are because of XXXX failure to properly process a forbearance and/or deferment that led periods of such to be counted as late payments. This is evident in a payment history that shows the XX/XX/XXXX payment as being paid on-time, and magically being sixty ( 60 ) days past-due in XX/XX/XXXX. Equifax own statements implies not only did they review the documents I supplied from the credit grantor, but that they additionally reviewed all the documentation I supplied from the tenant screening company. That documentation identifies Equifax as the source of information used in the screening process and creates a causal link between the false/misleading information reported by Equifax and the damage it has caused me as a consumer and potential tenant. Despite having the documentation, Equifax concluded the account/tradeline is \" being reported correctly '' because the data furnisher 's systems reported the same information when Equifax used eOSCAR to \" update '' the information for the account/tradeline. Quering a system that is the source of the incorrect information does not constitute a reasonable investigation under 15 U.S. Code 1681i. Despite claiming non-monetary relief a credit pull on XXXX XX/XX/XXXX shows zero ( 0 ) changes and the false/inaccurate/misleading information persists in my credit file ( XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-08-05T21:46:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"7355539","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-05T21:07:37.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On or around XXXX XX/XX/XXXX I <em>filed</em> CFPB complaint XXXX. In that complaint I alleged Equifax was persisting false/<em>misleading</em> <em>information</em> that harmed me as a consumer. In particular I alleged that I have experienced housing insecurity and housing discrimination because of the <em>information</em> contained in my credit <em>file</em> that was used by a tenant screening company. Equifax responded on or around XXXX XX/XX/XXXX alleging they reviwed all <em>documents</em> I supplied."]},"sort":[16.098377,"7355539"]},{"_index":"complaint-public-v1","_id":"17340966","_score":16.057905,"_source":{"product":"Debt collection","complaint_what_happened":"This is my response to XXXX statement. NCB is attempting to claim they validated the debt, but they did not provide proper validation as required under FDCPA 15 USC 1692g ( b ).\n\nNCB still has not provided : A signed contract or application showing I agreed to this account Proof of my signature ( wet or electronic ) A complete chain of title linking my specific account number to the Bill of Sale Documentation that my account was included in the file referenced in the Bill of Sale A full accounting statement from the original creditor showing how the balance was calculated Providing generic billing statements, a generic cardmember agreement, and a generic bill of sale does not meet the legal standard for validation. \n\nNCB is misrepresenting these documents as validation in violation of : FDCPA 1692g ( b ) Failure to validate FDCPA 1692e Misleading representations FCRA 623 Furnishing unverifiable/inaccurate information No document they provided shows : XXXX. That I opened the account XXXX. That I agreed to the terms XXXX. That they legally own my specific account XXXX. That the balance is correct I am requesting the CFPB to require NCB to either : Provide a signed agreement, chain of title, and full itemized accounting, or Cease collection and remove all credit reporting for failure to legally validate the debt. \n\n\nNCB has NOT met the legal requirements for validation and continues to furnish information without proof.","date_sent_to_company":"2025-11-18T04:04:13.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"23227","tags":null,"has_narrative":true,"complaint_id":"17340966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NCB Management Services Inc.","date_received":"2025-11-18T03:58:46.000Z","state":"VA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["NCB is misrepresenting these <em>documents</em> as validation in violation of : FDCPA 1692g ( b ) <em>Failure</em> to validate FDCPA 1692e <em>Misleading</em> representations FCRA 623 Furnishing unverifiable/inaccurate <em>information</em> No <em>document</em> they provided shows : XXXX. That I opened the account XXXX. That I agreed to the terms XXXX. That they legally own my specific account XXXX."],"sub_issue":["Didn't receive enough <em>information</em> to verify debt"]},"sort":[16.057905,"17340966"]},{"_index":"complaint-public-v1","_id":"22340313","_score":15.182865,"_source":{"product":"Mortgage","complaint_what_happened":"This is a new complaint based on new violations arising from U.S. Banks failure to provide a lawful, complete, and accurate response to my prior complaint filed on XX/XX/year>. \n\nU.S. Banks final response is defective, nonresponsive, and materially misleading. It does not satisfy the requirements of 12 CFR 1024.35, 1024.36, 1024.38, 1024.40, or 1024.41. The bank failed to address the issues raised in the XX/XX/year> complaint and failed to correct the contradictions identified in its XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX letters. \n\nBecause the banks final response itself creates new servicing failures, this filing constitutes a new complaint. \n\n-- - XXXX. U.S. Bank Failed to Respond to the Issues Raised in the XX/XX/year> Complaint 12 CFR 1024.35 ( e ) The banks final response does not address : The contradictions between the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX letters The admission that required correspondence was not received The failure to advance the lossdraft claim opened XX/XX/XXXX The failure to obtain insurer documents despite having authority The inaccurate statements about call handling The failure to assign a consistent point of contact These issues were central to the XX/XX/year> complaint, and the bank ignored them entirely. \n\nA servicer must conduct a reasonable investigation and provide a complete and accurate written response. U.S. Bank did not. \n\n-- - XXXX. U.S. Banks Final Response Contains New Violations 12 CFR 1024.35 ( b ) ( 1 ) ( 2 ) The banks final response creates new errors by refusing to correct : Conflicting statements about mailing timelines Conflicting statements about call handling Conflicting statements about claim status Conflicting statements about insurer delays A servicer must correct inaccurate information or provide a reasonable written explanation. \nU.S. Bank did neither. \n\nThis is a new violation, separate from the prior complaint. \n\n-- - XXXX. U.S. Bank Failed to Provide Required Documents 12 CFR 1024.36 ( d ) The bank still has not produced : Adjuster report Claim file Lossdraft notes Insurer correspondence Any documentation supporting the claim that documents are pending These documents were explicitly requested in the XX/XX/year> complaint, and the banks refusal to provide them is a new violation. \n\n-- - XXXX. U.S. Bank Failed to Exercise Reasonable Diligence 12 CFR 1024.41 ( c ) ( 2 ) ( i ) The bank continues to blame the insurer while refusing to explain : Why the internal claim opened XX/XX/XXXX has not progressed Why the bank has not obtained documents directly from the insurer Why the lossdraft process remains stalled This is a new and continuing violation. \n\n-- - XXXX. U.S. Bank Failed to Maintain Accurate Servicing Information 12 CFR 1024.38 ( b ) ( 1 ) ( i ) The banks final response does not reconcile : Conflicting claim timelines Conflicting callhandling statements Conflicting explanations of document status These failures constitute new violations of the requirement to maintain accurate records. \n\n-- - XXXX. U.S. Bank Failed to Provide a Consistent Point of Contact 12 CFR 1024.40 ( a ) The banks final response does not explain : Why a XXXX XXXXXXXX was assigned only after multiple complaints Whether the XXXX XXXXXXXX has access to the claim file Why prior communications lacked a single point of contact This is a new violation because the banks final response fails to cure the issue. \n\n-- - XXXX. U.S. Banks Pattern of NonCompliance Suggests Systemic Servicing Failures Across multiple complaints, U.S. Bank has demonstrated : Repeated contradictions Repeated failure to provide documents Repeated failure to correct errors Repeated boilerplate responses Repeated delays Repeated failure to comply with Regulation X The banks final response to the XX/XX/year> complaint adds new evidence of systemic noncompliance. \n\n-- - Requested XXXX XXXX fair resolution requires U.S. Bank to : XXXX. Provide a complete and accurate written response addressing each issue raised in the XX/XX/year> complaint. \nXXXX. Produce all documents required under 12 CFR 1024.36 ( d ). \nXXXX. Correct inaccurate and contradictory statements. \nXXXX. Provide a full timeline of all claimrelated actions. \nXXXX. Advance the lossdraft process in compliance with FHA servicing requirements. \nXXXX. Assign a consistent point of contact with full access to the claim file. \nXXXX. Explain why the internal claim has not progressed and what steps will be taken to resolve delays. \nXXXX. Confirm in writing the steps U.S. Bank will take to prevent further servicing failures.","date_sent_to_company":"2026-05-19T12:24:14.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"55443","tags":null,"has_narrative":true,"complaint_id":"22340313","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-05-19T12:16:40.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["Bank Failed to Maintain Accurate Servicing <em>Information</em> 12 CFR 1024.38 ( b ) ( 1 ) ( i ) The banks final response does not reconcile : Conflicting claim timelines Conflicting callhandling <em>statements</em> Conflicting explanations of <em>document</em> status These <em>failures</em> constitute new violations of the requirement to maintain accurate records. \n\n-- - XXXX. U.S."]},"sort":[15.182865,"22340313"]},{"_index":"complaint-public-v1","_id":"19204333","_score":15.128307,"_source":{"product":"Mortgage","complaint_what_happened":"I previously filed a complaint ( XXXX ) regarding Rocket Mortgages deceptive foreclosure actions. In their official response, Rocket Mortgage stated that they can not locate a letter dated XX/XX/25. This statement is false. \n\nThe letter is in my mortgage files with them, I downloaded it from their website. I also provide the letter, and I am attaching it again with this new complaint. The letter, dated XX/XX/25, contains the following written assurance : We wont make the first notice or filing required to initiate the foreclosure process under applicable law before reviewing your complete application. \nDespite this promise, Rocket Mortgage filed the foreclosure on XX/XX/25, which is : XXXX day before the date on their own letter, and before reviewing my complete application, despite stating in writing they would not do so. \n\nThis proves that Rocket Mortgage : Initiated the first notice for foreclosure before fulfilling their own written obligation, and Sent a letter after the foreclosure filing falsely implying they had not yet filed. \n\nTheir prior response to the CFPB claiming they could not locate the letter is untrue and deceptive. The letter was included in my original submission and is included again now. \n\nRocket Mortgages original CFPB response contained false information, which undermines the integrity of the complaint process and is deceptive. The company is fully aware of the letter and chose to deny its existence instead of addressing the contradiction between their promise and their actions. \n\nThis raises serious concerns about : * Deceptive or misleading representations * Failure to comply with foreclosurereview requirements * Dualtracking behavior ( filing foreclosure while still reviewing documents ) * Servicing violations related to lossmitigation review Because the companys previous response was inaccurate and deceptive, I request that the CFPB reexamine this matter. \n\nWhat I Am Requesting A full review of Rocket Mortgages servicing conduct, including the timeline of my foreclosure filing relative to their written promise. \nAccountability for the false information provided in their prior CFPB response. \nConfirmation of whether Rocket Mortgage violated applicable servicing and lossmitigation requirements, including the prohibition against initiating foreclosure before completing application review. \nCorrection of any negative consequences caused by the improper and premature foreclosure filing. \n\nDocuments Included : * Letter from Rocket Mortgage dated XX/XX/25 ( showing their written promise ) * Evidence of foreclosure filing on XX/XX/25 * All other communication history needed to support the timeline. \n\nFinal Statement Rocket Mortgage initiated foreclosure in direct contradiction to their own written promise and then provided a false statement to the CFPB claiming they could not locate the very document I supplied. This concealment, paired with their premature foreclosure filing, shows a clear pattern of deceptive servicing practices. I request that the CFPB reopen or reevaluate this matter based on the documented evidence and the companys misleading prior response.","date_sent_to_company":"2026-02-03T07:56:05.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"80601","tags":null,"has_narrative":true,"complaint_id":"19204333","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2026-02-03T07:45:06.000Z","state":"CO","company_public_response":null,"sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["Final <em>Statement</em> Rocket Mortgage initiated foreclosure in direct contradiction to their own written promise and then provided a false <em>statement</em> to the CFPB claiming they could not locate the very <em>document</em> I supplied. This concealment, paired with their premature foreclosure <em>filing</em>, shows a clear pattern of deceptive servicing practices. I request that the CFPB reopen or reevaluate this matter based on the <em>documented</em> evidence and the companys <em>misleading</em> prior response."]},"sort":[15.128307,"19204333"]},{"_index":"complaint-public-v1","_id":"11252515","_score":15.077676,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to demand immediate resolution and compensation for the unlawful actions and violations committed by XXXXipsey, Morrison , Waller & Lipsey, P.C.. Your firms handling of my account has caused me significant distress and hardship, and your continued failure to adhere to legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), coupled with a breach of privacy, has left me with no choice but to seek immediate remediation. \n\nSummary of Violations : Failure to Provide Adequate Debt Validation : Despite my formal request for debt validation pursuant to 15 U.S.C. 1692g, your firm has failed to provide appropriate and legally compliant documentation, including a sworn or attested statement of the contract and a valid Statement of Sale. As required by law, you must provide original, sworn, or attested documentation, not hearsay or documents that lack legal authenticity.\n\nBreach of Privacy : The documents you provided were redacted improperly and included personal and confidential information that should not have been shared or exposed. This constitutes a violation of my privacy rights and may be grounds for additional legal action related to the misuse and breach of my sensitive information.\n\nFalse, Misleading, and Deceptive Practices : The language used in the documents provided by your firm is false and misleading, including misstatements that attempt to mislead me into believing that the debt is valid without providing the necessary proof. This not only violates the FDCPA but also amounts to deceptive business practices that are damaging to my reputation and personal well-being.\n\nPersonal Injury and Emotional Distress : The continued harassment, exposure of personal information, and deceptive tactics used by your firm have caused me emotional distress and personal injury. The anxiety, fear, and frustration I have experienced as a result of your actions have had a detrimental impact on my mental health and well-being.\n\nDemand for Remedy : Given the significant violations of my legal rights, including the failure to validate the debt, the breach of privacy, and the distress caused, I am demanding compensation in the amount of {$10000.00}. This amount represents damages for : The violation of my privacy and the mishandling of my sensitive information.\n\nThe emotional distress and personal injury I have suffered due to your deceptive and unlawful actions.\n\nThe failure to comply with the FDCPA and other applicable debt collection regulations.\n\nI am providing you with an opportunity to resolve this matter amicably. However, if this issue is not resolved by providing the requested remedy of {$10000.00} within 14 days from the date of this letter, I will have no choice but to pursue legal action under the fullest extent of the law, including but not limited to : Filing a formal complaint with the State Attorney Generals office.\n\nSeeking damages through a lawsuit for violations under the FDCPA, breach of privacy, and personal injury.\n\nExploring any additional claims related to false advertising, deceptive practices, and unfair business practices as defined under both federal and state laws.\n\nNotice of Legal Action : If I do not receive a satisfactory response or if the matter is not resolved within the allotted time frame, I will proceed with legal action, including filing a lawsuit to recover the damages owed to me. Please be advised that if legal proceedings are initiated, I will seek statutory damages as allowed under the FDCPA, as well as any additional compensatory and punitive damages that may be awarded by the court. \n\nThank you for your immediate attention to this matter. I look forward to your prompt response","date_sent_to_company":"2024-12-23T17:17:37.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"38125","tags":null,"has_narrative":true,"complaint_id":"11252515","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lipsey, Morrison, Waller & Lipsey, P.C.","date_received":"2024-12-23T16:38:22.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["Summary of Violations : <em>Failure</em> to Provide Adequate Debt Validation : Despite my formal request for debt validation pursuant to 15 U.S.C. 1692g, your firm has failed to provide appropriate and legally compliant documentation, including a sworn or attested <em>statement</em> of the contract and a valid <em>Statement</em> of Sale. As required by law, you must provide original, sworn, or attested documentation, not hearsay or <em>documents</em> that lack legal authenticity."],"issue":["False <em>statements</em> or representation"]},"sort":[15.077676,"11252515"]},{"_index":"complaint-public-v1","_id":"11879342","_score":14.988024,"_source":{"product":"Mortgage","complaint_what_happened":"Subject : Follow-Up CFPB Complaint PHH Mortgage Servicings False Information, Mishandling, and Failure to Facilitate a Settlement Agreement Re : PHH Mortgage Servicings Pattern of Misinformation, Contradictory Statements, and Obstruction of Mortgage Settlement Dear CFPB Enforcement Division, I am filing this follow-up complaint against PHH Mortgage Servicing because my previous complaint was prematurely closed without resolution and PHHs response failed to address its clear pattern of misinformation, delays, and mismanagement regarding my delinquent mortgage.\n\nAs a borrower who is financially capable of resolving this matter, I have made multiple good-faith efforts to negotiate a fair settlement agreement to satisfy PHHs first lien and XXXX second lien, which is necessary to move forward with a new lender. However, PHH has actively misled me, obstructed negotiations, and provided contradictory information that has delayed the process and exacerbated my financial situation.\n\n1. PHH Provided False and Contradictory Information Regarding the Settlement Agreement PHH employees have repeatedly provided false and misleading information that has made it nearly impossible for me to move forward with a resolution : PHH Misrepresented That a Discounted Settlement Would Satisfy Both Liens PHH\nrepresentatives confirmed that a discounted settlement agreement would resolve both the first lien ( PHH ) and the second lien ( XXXX  ).\n\nAfter conducting an extensive title search, I discovered that PHH does not own the second lienXXXX  does.\n\nThis critical misrepresentation led to months of delays, wasted time negotiating under false pretenses, and unnecessary financial strain.\n\nContradictory Statements Regarding Loan Modification Approval PHH informed me that a loan modification for {$580000.00} had been approved, yet when I requested documentation, none was provided.\n\nAfter multiple follow-ups, PHH then stated the modification never existed.\n\nThis blatant contradiction disrupted my ability to make informed financial decisions and shows a pattern of either incompetence or deliberate misinformation.\n\nFailure to Provide Timely and Accurate Information for Settlement Negotiations PHH has delayed providing essential documents needed to reach a resolution with XXXX and a new lender.\n\nThese delays have prevented me from moving forward with a settlement that I am financially prepared to finalize.\n\n2. PHHs Response to My CFPB Complaint Was Inadequate and Ignored Core Issues PHHs response to my previous CFPB complaint was entirely insufficient and failed to address : Why PHH employees confirmed that the settlement would resolve both liens when PHH only owns the first lien.\n\nWhy PHH representatives confirmed a {$580000.00} loan modification approval that did not exist.\n\nWhy PHH has continuously delayed providing necessary account documentation.\n\nInstead of correcting these serious servicing failures, PHH provided a generic, non-substantive response that ignored the direct financial harm caused by its misleading statements and obstruction of the settlement process.\n\n3. PHHs Conduct Violates Federal Mortgage Servicing Regulations PHHs failure to provide accurate and timely information constitutes clear violations of the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ). The following provisions apply : Failure to Provide Accurate Loss Mitigation Information ( 2605 ( k ) ) PHH misrepresented key financial terms, including lien ownership and modification approvals, which directly harmed my ability to resolve my mortgage delinquency.\n\nFailure to Timely Respond to Requests for Information ( 1024.36 ) PHHs repeated delays in providing key documents have prevented me from negotiating settlements with both PHH and XXXX. \nFailure to Properly Service the Mortgage Under Successor Servicer Obligations ( 1024.38 ) PHHs servicing failures have exacerbated prior servicer Ocwens mishandling of my account, rather than correcting past errors.\n\nThese are not isolated incidents but part of a clear pattern of servicing misconduct that violates my rights under federal law and prevents me from reaching a fair resolution.\n\n4. Requested Regulatory Action Against PHH Mortgage Servicing Given PHHs repeated misrepresentations and refusal to provide accurate information, I respectfully request that the CFPB : Reopen my complaint and require PHH to provide a full, transparent response that addresses the misrepresentations, contradictions, and servicing failures outlined above.\n\nConduct a formal investigation into PHHs handling of mortgage settlements and whether this pattern of misinformation constitutes systemic servicing violations.\n\nRequire PHH to engage in good-faith negotiations to allow me to finalize a settlement agreement that satisfies both liens.\n\nEnforce compliance with RESPA and other mortgage servicing laws to ensure PHH provides borrowers with timely and accurate information.\n\nI have extensive documented proof of PHHs false statements, contradictions, and servicing failures, including : Voice recordings of PHH representatives giving misleading and contradictory information.\n\nEmail correspondence documenting PHHs failure to provide accurate and timely information.\n\nEvidence that PHHs misrepresentations actively prevented me from reaching a mortgage resolution.\n\nIf PHH continues to delay and obstruct the settlement process, I will have no choice but to pursue further legal action against PHH for mortgage servicing misconduct, including claims for actual damages and statutory penalties under RESPA.\n\nI urge the CFPB to immediately reopen my case and hold PHH accountable for its servicing failures. Thank you for your time and assistance. I look forward to your prompt response.","date_sent_to_company":"2025-01-31T03:53:12.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"11010","tags":null,"has_narrative":true,"complaint_id":"11879342","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2025-01-31T03:42:15.000Z","state":"NY","company_public_response":null,"sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["Enforce compliance with RESPA and other mortgage servicing laws to ensure PHH provides borrowers with timely and accurate <em>information</em>.\n\nI have extensive <em>documented</em> proof of PHHs false <em>statements</em>, contradictions, and servicing <em>failures</em>, including : Voice recordings of PHH representatives giving <em>misleading</em> and contradictory <em>information</em>.\n\nEmail correspondence <em>documenting</em> PHHs <em>failure</em> to provide accurate and timely <em>information</em>."]},"sort":[14.988024,"11879342"]},{"_index":"complaint-public-v1","_id":"6000518","_score":14.966505,"_source":{"product":"Student loan","complaint_what_happened":"In the XXXX XX/XX/2022 response to CFPB complaint XXXX, XXXX XXXX XXXX presents false and misleading information regarding the two ( 2 ) private student loans held by WF. Over the past two ( 2 ) years WF has provide contradictory information regarding the irregularities in handling of these accounts that led to furnishing of inaccurate and unverifiable payment history and derogatory indicators in my credit files. It is clear from the contradictory information that WF has XXXX ( XXXX ) cohesive explanation regarding the problems with my accounts and has sought instead to stall, mislead, deflect, and otherwise abdicate their responsibilities as a data-furnisher under 15 U.S. Code 1681s2, and instead have sought to engage in practices that are false, misleading, unfair as defined under 12 U.S. Code 5531 to explain away their prior mismanagement of my accounts including improper application of payments, and failures in statement generation that are required under TILARegulation Z 12 CFR 1026.2 ( a ) ( 4 ). The repetition of these practices and providing of information in CFPB responses that WF knows, or should know, is demonstrably false from their own records additionally makes their practices abusive under 12 U.S. Code 5531. At least one ( 1 ) of the three ( 3 ) CRAs has already reached the same conclusion and as such has removed the account/tradelines for the corresponding accounts from my credit files. Full documentation is attached. WF needs to understand I am not a number. I am a human being, and one with a documented XXXX. I do not deserve the XXXX and harm WF has repeatedly inflicted on me over the past XXXX ( XXXX ) years that arose from their own negligence. Making XXXX up to cover-up failures is morally wrong and patently unlawful.","date_sent_to_company":"2022-09-21T00:37:57.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"6000518","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-09-20T23:36:47.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["In the XXXX XX/XX/2022 response to CFPB complaint XXXX, XXXX XXXX XXXX presents false and <em>misleading</em> <em>information</em> regarding the two ( 2 ) private student loans held by WF. Over the past two ( 2 ) years WF has provide contradictory <em>information</em> regarding the irregularities in handling of these accounts that led to furnishing of inaccurate and unverifiable payment history and derogatory indicators in my credit <em>files</em>."],"sub_issue":["Received bad <em>information</em> about your loan"]},"sort":[14.966505,"6000518"]},{"_index":"complaint-public-v1","_id":"13310948","_score":14.845354,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I wrote a letter to transunion cerified mail XXXX, they recieved it and signed XXXX disputing the inaccurate information on my credit report, they sent me a stall letter saying I didnt send the letters. I mailed this from my post office personally. Its been more than 30 days and they have not provided me with the current information disputed. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation when a consumer disputes any information on their file. Failure to remove unverifiable, inaccurate, or outdated information is a willful violation of federal law, subject to damages. \nAdditionally, any information that can not be verified within the statutory timeframe ( 30 days ) must be deleted from my file. I demand that transunion comply with this federal requirement without delay. \nDue to the severity of this issue and the patterns of misconduct already documented by federal authorities, I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Transunion failure to maintain accurate consumer files and its past record of misleading practices. \nI am demanding the following : 1. Immediate reinvestigation of all disputed entries.\n\n2. Permanent deletion of all unverifiable and inaccurate information.\n\n3. An updated and corrected copy of my credit report.\n\n4. A written statement detailing your findings and actions taken.","date_sent_to_company":"2025-05-02T19:56:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"13310948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-02T19:44:28.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Due to the severity of this issue and the patterns of misconduct already <em>documented</em> by federal authorities, I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Transunion <em>failure</em> to maintain accurate consumer <em>files</em> and its past record of <em>misleading</em> practices. \nI am demanding the following : 1. Immediate reinvestigation of all disputed entries.\n\n2. Permanent deletion of all unverifiable and inaccurate <em>information</em>.\n\n3."]},"sort":[14.845354,"13310948"]},{"_index":"complaint-public-v1","_id":"15815179","_score":14.842104,"_source":{"product":"Credit card","complaint_what_happened":"Issue : Inaccurate and outdated credit reporting Company : Sparrow Rewards Mastercard Complaint Details : I am filing this complaint because Sparrow Rewards Mastercard is reporting outdated account information to the credit bureaus. The account is showing a reported balance of {$90.00} from my XX/XX/year> statement, instead of the most recent statement balance from XX/XX/year>. This means Sparrow is reporting over 30 days behind, which is inaccurate, misleading, and negatively affects my credit profile. \n\nI have attached screenshots from my credit monitoring application showing Sparrows delayed reporting. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to provide accurate and timely information to the credit bureaus. Sparrows failure to update my account promptly constitutes inaccurate reporting. \n\nResolution I am seeking : Immediate correction of my Sparrow Rewards Mastercard account to reflect the most recent statement balance.\n\nAssurance that Sparrow will report timely and accurate data going forward. \nNotification to all three major credit bureaus ( XXXX XXXX XXXX XXXX ) of the corrected information. \n\nSupporting documents : Screenshot of the reported balance ( {$90.00} ) showing last updated 37 days ago. \nScreenshot of Sparrows credit card details confirming the outdated reporting date.","date_sent_to_company":"2025-09-10T01:27:49.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"46410","tags":null,"has_narrative":true,"complaint_id":"15815179","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sparrow Financial, Inc.","date_received":"2025-09-09T09:49:06.000Z","state":"IN","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Issue : Inaccurate and outdated credit reporting Company : Sparrow Rewards Mastercard Complaint Details : I am <em>filing</em> this complaint because Sparrow Rewards Mastercard is reporting outdated account <em>information</em> to the credit bureaus. The account is showing a reported balance of {$90.00} from my XX/XX/year> <em>statement</em>, instead of the most recent <em>statement</em> balance from XX/XX/year>."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[14.842104,"15815179"]},{"_index":"complaint-public-v1","_id":"7907374","_score":14.731316,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have filed at dozens of disputes for various accounts/tradelines in my Experian credit files over the past six ( 6 ) months. Experian specialists are modifying the disputes without examining the dispute statement or the documents submitted with disputes, leading to errors in which disputes are filed. For example, I have private student loans that were serviced by a bank and then contracted out to XXXX for servicing. I filed disputes for the accounts XXXX XXXX. The enclosed documentation has included a statement of exactly what account numbers are being disputed -- these are the same numbers used to identify the account in my Experian credit file. Moreover the account numbers are included in the documentation on a single page. Despite this, Experian '' specialists '' have modified the disputes simply to conduct automatic updates through eOSCAR, when the bank itself has been the source of the error. Moreover, these modified disputes have included accounts that are XXXX which have not been the subject of my disputes. Thus the results of the alleged ( re ) investigations simply show \" verified '' and or \" verified/updated '' and shows the same garbage data that was disputed to begin with. There is no way Experian believes the accounts are being reported with maximum possible accuracy. If a bank engages in unfair and/or unlawful acts and practices, and then uses the results of those unfair and unlawful acts and practices as the basis of the data they furnish to the CRAs, then the data is false/inaccurate/misleading because the data furnished gives a materially misleading impression. The harm/injury, derogatory indicators in the credit file, suppression in credit score, and in general defamation, are not reasonably avoidable by a consumer because the consumer does not have control over the unfair and unlawful acts and practices of the bank. The CRAs, having received disputes regarding the accounts/tradelines knows or should know the information it is reporting is false/misleading/inaccurate, and further WOULD know if it bothered to examine the enclosed documents, instead of blindly passing those documents on to the data furnisher to automatically \" verify. '' In the case of ( re ) invesigations, blindly passing the documents onto the data furnisher and failing to examine the results and compare with the documentation submitted with the consumer complaint, means the CRA has abandoned its responsibilities under 15 U.S. Code 1681e. The bank, as furnisher, knows or has reasonable cause to believe it is furnishing inaccurate information because in this case it tried to justify how its negligence DID NOT affect/harm the borrower and/or coborrower, by ignoring the issues rearding its failure ( s ) to provide timely information to borrower and co-borrower, and giving no regard for the timing overhead for its servicer to provided timely information to borrower and/or coborrower, resulting in conflicting streams of information. It has, before, reviewed the documents submitted by the consumer as part of the dispute, or should have reviewed the documents submitted with the dispute, and instead has chosen to continue to report the account with derogatory indicators to protect its interest including, vut not limited to perceived leverage over consumer, and minimization of exposure to litigation. In the process the bank runs afoul of its responsibilities as data furnisher under 15 U.S. Code 1681s2. When a bank 's unlawful and unfair practices preferentially target disadvantaged groups such as those who may be minorities, and/or XXXX, and or XXXX, the bank 's practices are additionally abusive and violate anti-discrimination laws.","date_sent_to_company":"2023-11-28T15:53:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48104","tags":null,"has_narrative":true,"complaint_id":"7907374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-28T14:49:56.000Z","state":"MI","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 have <em>filed</em> at dozens of disputes for various accounts/tradelines in my Experian credit <em>files</em> over the past six ( 6 ) months. Experian specialists are modifying the disputes without examining the dispute <em>statement</em> or the <em>documents</em> submitted with disputes, leading to errors in which disputes are <em>filed</em>. For example, I have private student loans that were serviced by a bank and then contracted out to XXXX for servicing. I <em>filed</em> disputes for the accounts XXXX XXXX."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[14.731316,"7907374"]},{"_index":"complaint-public-v1","_id":"11949076","_score":14.713601,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ATTN CFPB : THIS PERTAINS MATTERS OF THE FALSE CLAIMS ACT [ XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Equifax Information Services [ XXXX XXXX XXXX, XXXX, GA XXXX ] Subject : Intent to Initiate Legal Action or Arbitration Regarding CFPB Complaint # XXXX To Whom It May Concern at Equifax Information Services, This letter serves as formal notice of my intent to initiate legal action or arbitration regarding the above-referenced Consumer Financial Protection Bureau ( CFPB ) complaint . Equifax Information Services has engaged in systematic violations of federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the False Claims Act, resulting in financial harm, loss of credit standing, and repeated deceptive practices against me. \n\nBackground & Ongoing Violations On [ XXXX ], I filed CFPB complaint # XXXX against Equifax concerning its improper handling of my credit file and failure to comply with the FCRAs dispute resolution requirements. Equifax falsely stated in its response to the CFPB that the XXXX XXXX tradeline had been deleted, when in reality : The tradeline remains on my credit file despite Equifaxs claim. \nEquifax has engaged in further misconduct by improperly re-reporting collection statements tied to this account, causing a XXXX drop in my FICO score today. \nOver the past XXXX months, Equifax has sent more than XXXX misleading correspondences while intentionally avoiding providing the required Method of Validation ( MOV ). \nEach of these instances constitutes an independent violation of federal law, with applicable penalties as outlined below. \n\nViolations Committed by Equifax Information Services 1. False Statement to the CFPB Regarding Tradeline Deletion Equifax knowingly submitted false information to a federal agency by falsely stating that the XXXX XXXX XXXX had been deleted, when in fact it remains on my credit report. \nThis constitutes a willful violation of the False Claims Act, as well as fraudulent misrepresentation under 15 U.S.C. 1681s-2 ( b ).\n\n2. Failure to Provide Method of Validation ( XXXX  ) Despite Multiple Requests Under 15 U.S.C. 1681i ( a ) ( 7 ) and the FDCPA, Equifax is legally required to provide a Method of Validation ( XXXX  ) when requested. \nDespite my numerous requests, Equifax has failed to provide MOV, yet continues to re-report the account and mislead me with non-responsive correspondences. \nXXXX. Improper and Deceptive Re-Reporting of a Disputed Tradeline The re-reporting of the XXXX XXXX XXXX after its alleged deletion caused a XXXX drop in my FICO score. \nEquifaxs continued failure to accurately update and investigate disputes violates 15 U.S.C. 1681e ( b ) and 1681i ( a ).\n\n4. Sending Over 60 Deceptive and Misleading Correspondences Each misleading correspondenceespecially the 13 sent in a single dayconstitutes an individual violation of federal consumer protection laws. \nThese repeated and frivolous responses appear designed to harass, mislead, and evade compliance, rather than fulfill Equifaxs legal obligations. \n5. Failure to Conduct a Reasonable Reinvestigation Equifax has improperly marked disputes as verified without conducting a lawful and reasonable investigation, violating 15 U.S.C. 1681i ( a ).\n\nCompensation & Statutory Damages Demanded Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681n ( a ), consumers are entitled to statutory damages of up to {$1000.00} per willful violation. Additionally, civil penalties apply under FTC and CFPB guidelines for repeat offenses and deceptive practices. \n\nGiven the 16 immediate violations identifiedplus the over 60 misleading correspondences sent in lieu of providing the required XXXX  am seeking the following compensation : Violation Statutory Penalty Per Violation Number of Violations Total Compensation Sought False statement to CFPB {$1000.00} XXXX {$1000.00} Failure to provide XXXX  {$1000.00} Multiple requests ignored $ XXXX Re-reporting deleted tradeline {$1000.00} XXXX {$1000.00} Sending XXXX misleading letters in XXXX day {$1000.00} XXXX {$13000.00} Total deceptive correspondences ( XXXX ) {$1000.00} XXXX $ XXXX Failure to properly investigate disputes {$1000.00} XXXX $ XXXX Consecutive & repeated credit score damage over 6 months {$1000.00} Multiple occurrences XXXX  Total Compensation Sought Minimum $ XXXX This total does not yet include additional damages for emotional distress, legal fees, and punitive damages that may be sought if this matter proceeds to court or arbitration.\n\nIntent to Litigate or Arbitrate If Equifax fails to fully remedy these violations within [ 15 days ], I will : File a lawsuit in the appropriate court seeking statutory damages, actual damages, punitive damages, and attorney fees under 15 U.S.C. 1681n and 1681o. \nInitiate arbitration under applicable consumer arbitration provisions, presenting documented evidence of Equifaxs false statements, repeated violations, and failure to comply with federal law.\n\nResolution Sought To resolve this matter without legal action, I demand the following : 1. Immediate and permanent removal of the XXXX XXXX tradeline from my credit file. \nXXXX. A full and complete Method of Validation ( MOV ) for the disputed tradeline, including the name, contact information, and verification method used by Equifax. \nXXXX. Written confirmation detailing : The steps taken to comply with FCRA, FDCPA, and False Claims Act. \nA legally binding statement that Equifax will not reinsert this tradeline without proper notification. \nAn official explanation for Equifaxs false statement to the CFPB regarding the tradeline deletion.\n\n4. Monetary compensation in accordance with statutory guidelines for Equifaxs multiple violations as detailed above.\n\nFinal Notice Please respond in writing within [ 15 days ] confirming your intent to fully remedy these violations. Failure to comply will result in immediate escalation through legal action or arbitration. \n\nSincerely, [ XXXX XXXX  XXXX ] [ MAILED COPY WILL FOLLOW ] [ XXXX ]","date_sent_to_company":"2025-02-05T09:46:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11949076","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-05T09:14:05.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Intent to Litigate or Arbitrate If Equifax fails to fully remedy these violations within [ 15 days ], I will : <em>File</em> a lawsuit in the appropriate court seeking statutory damages, actual damages, punitive damages, and attorney fees under 15 U.S.C. 1681n and 1681o. \nInitiate arbitration under applicable consumer arbitration provisions, presenting <em>documented</em> evidence of Equifaxs false <em>statements</em>, repeated violations, and <em>failure</em> to comply with federal law."]},"sort":[14.713601,"11949076"]},{"_index":"complaint-public-v1","_id":"3250881","_score":14.692475,"_source":{"product":"Mortgage","complaint_what_happened":"Borrowers Pushed into Foreclosure by Servicing Errors and Eminent Failure Scenario XXXX XXXX XXXX XXXX ( XXXX ) engaged in significant and systemic misconduct that occurred at every stage of my mortgage servicing process. XXXX violations of my mortgage put my mortgage at risk of foreclosure under Eminent Failure Scenario which would result in losing my home. Specifically, XXXX set my mortgage up for failure. \n\nTook advantage of my mortgage with servicing shortcuts and unauthorized fees : I relied upon XXXX to, among other things, treat me fairly, give accurate information, and appropriately charge for services. XXXX violated the law and my mortgage in a number of ways, including : Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; Charging unauthorized fees for default-related services ; Imposing force-placed insurance on consumers when XXXX knew or should have known that they already had adequate home-insurance coverage ; and Providing false or misleading information in response to my inquiries to save my home. \n\nDeceived me about foreclosure alternatives and improperly denied loan modifications when I was eligible and qualified : I turned to XXXX because is the servicer for the investor 's loans, as my only means of developing a plan for payment. XXXX failed to effectively assist, and in fact impeded, struggling homeowners trying to save their homes. This included : Failing to provide accurate information about loan modifications and other loss mitigation services ; Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; Providing false or misleading reasons for denying loan modifications ; Losing documents when faxed a number of times to the loan representative ; XXXX did not maintain a point of contact, every time I wanted to speak to my loan representative, was referred to the collection department, different agent every time. \n\nEngaged in illegal foreclosure practices : One of the most important jobs of a mortgage servicer is managing the foreclosure process. But XXXX mishandled foreclosures and provided consumers with false information. Specifically, XXXX is accused of : Providing false or misleading information to consumers about the status of foreclosure proceedings where the borrower was in good faith actively pursuing a loss mitigation alternative by XXXX ; and Robo-signing foreclosure documents, including preparing, executing, notarizing, and filing affidavits in foreclosure proceedings with courts and government agencies without verifying the information. \n\nXXXX XXXX acquired this mortgage on XX/XX/2017, I do not have contact information.","date_sent_to_company":"2019-05-23T16:41:11.000Z","issue":"Struggling to pay mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"19973","tags":null,"has_narrative":true,"complaint_id":"3250881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2019-05-22T18:40:51.000Z","state":"DE","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Specifically, XXXX is accused of : Providing false or <em>misleading</em> <em>information</em> to consumers about the status of foreclosure proceedings where the borrower was in good faith actively pursuing a loss mitigation alternative by XXXX ; and Robo-signing foreclosure <em>documents</em>, including preparing, executing, notarizing, and <em>filing</em> affidavits in foreclosure proceedings with courts and government agencies without verifying the <em>information</em>."]},"sort":[14.692475,"3250881"]},{"_index":"complaint-public-v1","_id":"18287547","_score":14.6814785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"i am filing this complaint against Experian Information Solutions for repeated failures to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ). \n\nI have disputed a XXXX XXXX XXXX XXXX account that is being reported inaccurately and in a materially misleading manner, including improper monthly balance updates on a charged-off account that falsely suggest ongoing delinquency. \n\nDespite receiving my disputes via certified mail, Experian has repeatedly and automatically forwarded my disputes to the furnisher ( XXXX XXXX XXXX XXXX ) and relied solely on the furnishers response, without performing an independent investigation into the accuracy and completeness of its own reporting.\n\nExperians responses consist of generic, boilerplate statements that do not identify what was investigated, what documents were reviewed, or how the accuracy of the reporting was verified. This does not meet the legal standard for a reasonable investigation under the FCRA. \n\nExperian continues to report information that is inaccurate or materially misleading, despite being placed on actual notice of these issues. \n\nI am requesting that the CFPB review Experians dispute handling practices and require Experian to either : XXXX. Provide documented proof of a reasonable investigation, or XXXX. Delete the XXXX XXXX XXXX XXXX account as unverifiable. \n\nI am attaching copies of my certified dispute letters, Experians generic responses, and evidence of repeated furnisher reliance.","date_sent_to_company":"2025-12-26T01:52:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"49508","tags":null,"has_narrative":true,"complaint_id":"18287547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-26T01:40:43.000Z","state":"MI","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 <em>filing</em> this complaint against Experian <em>Information</em> Solutions for repeated <em>failures</em> to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ). \n\nI have disputed a XXXX XXXX XXXX XXXX account that is being reported inaccurately and in a materially <em>misleading</em> manner, including improper monthly balance updates on a charged-off account that falsely suggest ongoing delinquency."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[14.6814785,"18287547"]},{"_index":"complaint-public-v1","_id":"11948447","_score":14.680855,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ATTN CFPB : THIS PERTAINS MATTERS OF THE FALSE CLAIMS ACT [ XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Equifax Information Services [ XXXX XXXX XXXX, XXXX, GA XXXX ] Subject : Intent to Initiate Legal Action or Arbitration Regarding CFPB Complaint # XXXX To Whom It May Concern at Equifax Information Services, This letter serves as formal notice of my intent to initiate legal action or arbitration regarding the above-referenced Consumer Financial Protection Bureau ( CFPB ) complaint . Equifax Information Services has engaged in systematic violations of federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the False Claims Act, resulting in financial harm, loss of credit standing, and repeated deceptive practices against me. \n\nBackground & Ongoing Violations On [ XXXX ], I filed CFPB complaint # XXXX against Equifax concerning its improper handling of my credit file and failure to comply with the FCRAs dispute resolution requirements. Equifax falsely stated in its response to the CFPB that the XXXX XXXX tradeline had been deleted, when in reality : The tradeline remains on my credit file despite Equifaxs claim. \nEquifax has engaged in further misconduct by improperly re-reporting collection statements tied to this account, causing a XXXX drop in my FICO score today. \nOver the past XXXX months, Equifax has sent more than XXXX misleading correspondences while intentionally avoiding providing the required Method of Validation ( MOV ). \nEach of these instances constitutes an independent violation of federal law, with applicable penalties as outlined below. \n\nViolations Committed by Equifax Information Services 1. False Statement to the CFPB Regarding Tradeline Deletion Equifax knowingly submitted false information to a federal agency by falsely stating that the XXXX XXXX XXXX had been deleted, when in fact it remains on my credit report. \nThis constitutes a willful violation of the False Claims Act, as well as fraudulent misrepresentation under 15 U.S.C. 1681s-2 ( b ).\n\n2. Failure to Provide Method of Validation ( XXXX  ) Despite Multiple Requests Under 15 U.S.C. 1681i ( a ) ( 7 ) and the FDCPA, Equifax is legally required to provide a Method of Validation ( XXXX  ) when requested. \nDespite my numerous requests, Equifax has failed to provide MOV, yet continues to re-report the account and mislead me with non-responsive correspondences. \nXXXX. Improper and Deceptive Re-Reporting of a Disputed Tradeline The re-reporting of the XXXX XXXX XXXX after its alleged deletion caused a XXXX drop in my FICO score. \nEquifaxs continued failure to accurately update and investigate disputes violates 15 U.S.C. 1681e ( b ) and 1681i ( a ).\n\n4. Sending Over 60 Deceptive and Misleading Correspondences Each misleading correspondenceespecially the 13 sent in a single dayconstitutes an individual violation of federal consumer protection laws. \nThese repeated and frivolous responses appear designed to harass, mislead, and evade compliance, rather than fulfill Equifaxs legal obligations. \n5. Failure to Conduct a Reasonable Reinvestigation Equifax has improperly marked disputes as verified without conducting a lawful and reasonable investigation, violating 15 U.S.C. 1681i ( a ).\n\nCompensation & Statutory Damages Demanded Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681n ( a ), consumers are entitled to statutory damages of up to {$1000.00} per willful violation. Additionally, civil penalties apply under FTC and CFPB guidelines for repeat offenses and deceptive practices. \n\nGiven the 16 immediate violations identifiedplus the over 60 misleading correspondences sent in lieu of providing the required XXXX  am seeking the following compensation : Violation Statutory Penalty Per Violation Number of Violations Total Compensation Sought False statement to CFPB {$1000.00} XXXX {$1000.00} Failure to provide XXXX  {$1000.00} Multiple requests ignored $ XXXX Re-reporting deleted tradeline {$1000.00} XXXX {$1000.00} Sending XXXX misleading letters in XXXX day {$1000.00} XXXX {$13000.00} Total deceptive correspondences ( XXXX ) {$1000.00} XXXX $ XXXX Failure to properly investigate disputes {$1000.00} XXXX $ XXXX Consecutive & repeated credit score damage over 6 months {$1000.00} Multiple occurrences XXXX  Total Compensation Sought Minimum $ XXXX This total does not yet include additional damages for emotional distress, legal fees, and punitive damages that may be sought if this matter proceeds to court or arbitration.\n\nIntent to Litigate or Arbitrate If Equifax fails to fully remedy these violations within [ 15 days ], I will : File a lawsuit in the appropriate court seeking statutory damages, actual damages, punitive damages, and attorney fees under 15 U.S.C. 1681n and 1681o. \nInitiate arbitration under applicable consumer arbitration provisions, presenting documented evidence of Equifaxs false statements, repeated violations, and failure to comply with federal law.\n\nResolution Sought To resolve this matter without legal action, I demand the following : 1. Immediate and permanent removal of the XXXX XXXX tradeline from my credit file. \nXXXX. A full and complete Method of Validation ( MOV ) for the disputed tradeline, including the name, contact information, and verification method used by Equifax. \nXXXX. Written confirmation detailing : The steps taken to comply with FCRA, FDCPA, and False Claims Act. \nA legally binding statement that Equifax will not reinsert this tradeline without proper notification. \nAn official explanation for Equifaxs false statement to the CFPB regarding the tradeline deletion.\n\n4. Monetary compensation in accordance with statutory guidelines for Equifaxs multiple violations as detailed above.\n\nFinal Notice Please respond in writing within [ 15 days ] confirming your intent to fully remedy these violations. Failure to comply will result in immediate escalation through legal action or arbitration. \n\nSincerely, [ XXXX XXXX  XXXX ] [ MAILED COPY WILL FOLLOW ] [ XXXX ]","date_sent_to_company":"2025-02-05T09:47:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11948447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-05T09:46:34.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Intent to Litigate or Arbitrate If Equifax fails to fully remedy these violations within [ 15 days ], I will : <em>File</em> a lawsuit in the appropriate court seeking statutory damages, actual damages, punitive damages, and attorney fees under 15 U.S.C. 1681n and 1681o. \nInitiate arbitration under applicable consumer arbitration provisions, presenting <em>documented</em> evidence of Equifaxs false <em>statements</em>, repeated violations, and <em>failure</em> to comply with federal law."]},"sort":[14.680855,"11948447"]},{"_index":"complaint-public-v1","_id":"17961030","_score":14.551762,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against Vance & Huffman , LLC because this company is reporting a collection account that is not validated, not legally verified, and was never properly noticed to me as required by federal law.\n\nI NEVER received any written notice before this was placed on my credit report which is a direct violation of FDCPA 809 ( a ). They also continue to report and attempt to collect without providing a single piece of legally required validation.\n\nI have requested validation multiple times. It has been well over 30 days, and Vance & Huffman has failed to provide ANY of the following required documents : Required Verification They Failed to Provide ( Validation Law Under FDCPA 809 ( b ) ) A copy of the original signed contract or lease A full itemization/ledger showing how they calculated the alleged balance Proof of assignment or legal ownership from the original creditor The name, address, and license number of the collector Complete account history from day one Evidence the amount is accurate and legally owed Sending a statement, invoice, or basic printout which is what they typically do is not verification under federal law.\n\nI did my research on your company and I know you've been sued multiples times for : FDCPA violations ( harassment, false statements, unlawful collection attempts ) Misleading us the consumers about the amounts owed Failing to provide validation Threatening legal action you can not take Improper credit reporting practices They have a long history of non-compliance, and my experience is consistent with those same patterns.\n\nViolations in My Case : 809 ( a ) No written notice within 5 days of initial communication 809 ( b ) Continued collection without validation 807 Misleading representations 808 Unfair collection practices FCRA Violations 607 ( b ) Failure to report accurate, verifiable information 611 ( a ) Failure to reasonably investigate disputes Metro 2 Violations Reporting an account with no documented ownership, no contract, and no validation Furnishing information with no certified accuracy, which violates Metro 2 formatting guidelines","date_sent_to_company":"2025-11-26T21:01:04.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"77833","tags":null,"has_narrative":true,"complaint_id":"17961030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"V and H Portfolio","date_received":"2025-11-26T20:52:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Violations in My Case : 809 ( a ) No written notice within 5 days of initial communication 809 ( b ) Continued collection without validation 807 <em>Misleading</em> representations 808 Unfair collection practices FCRA Violations 607 ( b ) <em>Failure</em> to report accurate, verifiable <em>information</em> 611 ( a ) <em>Failure</em> to reasonably investigate disputes Metro 2 Violations Reporting an account with no <em>documented</em> ownership, no contract, and no validation Furnishing <em>information</em> with no certified accuracy, which violates"]},"sort":[14.551762,"17961030"]},{"_index":"complaint-public-v1","_id":"17856042","_score":14.544018,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint Against : Portfolio Recovery Associates ( PRA ) XXXX XXXX, and XXXX  Issue : Reporting false, inaccurate, unverified, and misleading collection accounts and refusing to provide legally required documentation. \n\n\n-- - Complaint Details : I am filing this complaint because Portfolio Recovery Associates continues to report collection accounts that are inaccurate, misleading, and not legally verifiable. I have repeatedly asked PRA to provide actual documentation proving these debts belong to me. They have refused every time.\n\nIf PRA truly believes these accounts belong to me, then it should be simple for them to send the proof I requested. Instead, they keep giving me generic billing statements, which are NOT legal proof of ownership, liability, or accuracy. Billing statements do not establish : That the debt belongs to me That the balance is correct That PRA legally owns the debt That the debt is within the legal reporting period That PRA has the right to report or collect on the account If this matter went to court, PRA would be required to produce : A complete chain of title A bill of sale with identifying information The original creditors signed agreement Itemized transaction history from XXXX XXXX  Proof of assignment Proof of ownership Proof that the amount they are reporting is accurate They refuse to produce ANY of these documents. That is a major red flag. \n\n\n-- - Violations Identified : 1. Failure to provide proper validation of debt PRA is refusing to provide real proof and instead sends billing statements. Under FDCPA 809 ( b ), they must provide validation.\n\n2. False and misleading reporting ( FDCPA 807 ) They are reporting : Inflated balances Closed accounts still showing active balances Contradictory dispute statuses Opened dates that do not match the original creditor 3. Illegal re-aging of debt ( FCRA 605 ( c ) ) They changed the opened date to 2024 even though XXXX XXXX charged off these accounts years earlier. This is illegal and extends the reporting period.\n\n4. Failure to conduct a reasonable investigation ( FCRA 611 ( a ) ) Despite multiple disputes, PRA continues to copy/paste the same recycled, inaccurate information.\n\n5. Failure to maintain accuracy ( FCRA 607 ( b ) ) They knowingly report balances that do not match the highest balance.\n\n6. Reporting unverifiable information to the bureaus ( FCRA 623 ) They are reporting accounts that they can not legally prove.\n\n-- - Requested Resolution : I am requesting full and permanent deletion of all Portfolio Recovery Associates accounts from my credit reports with XXXX XXXX  and XXXX. \n\nThese accounts can not be corrected because PRA can not verify : Ownership Liability Accuracy Chain of title Assignment Balance integrity Reporting dates Without proper documentation, PRA has no legal right to report these debts. If they can not validate them, the accounts must be deleted, not updated.\n\n-- - What I Expect From PRA : If PRA truly thinks this debt belongs to me, then they should produce the actual legally required documents. Not billing statements. Not recycled screenshots. Actual proof.\n\nIf they can not provide this, then these accounts are unverifiable and must be removed.","date_sent_to_company":"2025-12-09T01:36:29.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"17856042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-12-09T01:30:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>Failure</em> to conduct a reasonable investigation ( FCRA 611 ( a ) ) Despite multiple disputes, PRA continues to copy/paste the same recycled, inaccurate <em>information</em>.\n\n5. <em>Failure</em> to maintain accuracy ( FCRA 607 ( b ) ) They knowingly report balances that do not match the highest balance.\n\n6."],"issue":["False <em>statements</em> or representation"]},"sort":[14.544018,"17856042"]},{"_index":"complaint-public-v1","_id":"14702870","_score":14.446034,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Supplemental Complaint Formal Dispute of Balance, Payment History, and Lack of Notification This filing is not a duplicate of Complaint # XXXX. It supplements that case by documenting additional legal violations committed by Chase after the original filing, including non-response to a mailed XXXX request and continued failure to provide verification documents. \nThis filing supplements CFPB Complaint # XXXX, previously submitted regarding this same account. Despite that complaint, a mailed FACTA request, and a formal dispute letter, Chase has failed to provide the required documentation, including billing statements and legally mandated notices. \nCompany : JPMCB Card Services ( Chase ) Account Reference : Chase Credit Card ending in XXXX Consumer : XXXX XXXX Formal Dispute of Balance and Payment History I am formally disputing the reported balance and payment history on this account. The credit file currently omits any actual payments field, and no supporting documentation has been provided to verify how the reported balance or late payments were calculated. \n\nBased solely on your failure to provide proper notice under FCRA 1681s-2 ( a ) ( 6 ) and Regulation Z, I dispute the accuracy of the following data reported to credit bureaus : 1. My payment history ; 2. The date of first delinquency and any associated default ; 3. The charge-off status and amount ; 4. Any past-due balances reported without accompanying monthly statements or prior written notice.\n\nI received no billing statements, delinquency alerts, fraud warnings, or negative reporting notifications tied to these transactions a clear violation of multiple federal laws and regulations, including : - 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( AB ) Requires furnishers to notify consumers within 30 days of furnishing negative data to credit reporting agencies ; - Regulation Z 12 C.F.R. 1026.7 & 1026.5 ( b ) Requires credit card issuers to send clear and timely monthly billing statements ; - XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Establishes the right of consumers to sue when proper notice is not provided ; - XXXX XXXX JPMorgan Chase Affirms that furnishers bear the burden of ensuring delivery of notice, not merely its transmission ; - Regulation Z 12 C.F.R. 1026.9 ( c ) ( 2 ) ( ii ) Requires affirmative consumer consent and demonstrable delivery for e-statements to be valid.\n\nRoutine system emails or generic platform notices, without proof of actual delivery, do not meet the legal requirements of FCRA 1681s-2 ( a ) ( 6 ) or Regulation Z 1026.9 ( c ) ( 2 ) ( ii ). Therefore, the reporting is incomplete, misleading, and legally deficient, and must be corrected or deleted immediately.\n\nRoutine system emails or generic platform notices, without proof of actual delivery, do not meet the legal requirements of FCRA 1681s-2 ( a ) ( 6 ) or Regulation Z 1026.9 ( c ) ( 2 ) ( ii ). Therefore, the reporting is incomplete, misleading, and legally deficient, and must be corrected or deleted immediately.\n\nExhibit F-2 Chase Response to FACTA Request All Accounts ( Redacted & Annotated ) This document was received XX/XX/XXXX, in response to my FACTA letter mailed XX/XX/XXXX. It fails to meet federal verification requirements and includes no detailed transaction data, payment breakdowns, or proof of notice, in violation of FCRA 1681g and 1681i, and the FACTA amendment.\n\nRequest for Full, Itemized Monthly Statements Request for Full, Itemized Monthly Statements To properly evaluate the accuracy of this tradeline, I am requesting complete, itemized monthly account statements for the period of XX/XX/XXXX through XX/XX/XXXX. This request is specific and clearly defined. \n\nThe statements must include : - A full list of all transactions, including : - Transaction dates- Merchant names and locations - Amounts charged - A breakdown of all payments, including : - Payment dates- Amounts paid - The balance reported each month - A clear list of all : - Interest charges, with corresponding dates and amounts - Fees ( late, returned payment, over-limit ), with dates and amounts- The statement closing date, due date, and any carried-over balance These records are necessary to substantiate or dispute any charges, delinquencies, balances, or late payments attributed to me. \n\nIn addition, I am formally demanding copies of all notices of delinquency, fraud alerts, billing statements, and negative credit reporting notifications allegedly sent to me during this period, along with documented proof of delivery or receipt. This includes any mailed letters, emails, or electronic statements. As required by 15 U.S.C. 1681s-2 ( a ) ( 6 ) and 12 C.F.R. 1026.9 ( c ) ( 2 ) ( ii ), such notifications must be demonstrably received by the consumernot merely generated or sent through automated systems.\n\nLegal Grounds for Demand This request is made pursuant to the following federal laws and consumer protection provisions : FCRA 1681g Entitles consumers to obtain all information in their file from a furnisher ; FCRA 1681s-2 ( b ) Requires furnishers to investigate disputed information and correct any inaccuracies ; FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Requires furnishers and credit reporting agencies to provide documentation relied upon in any reinvestigation upon consumer request ; FCRA 1681s-2 ( a ) ( 6 ) Requires furnishers to notify consumers within 30 days of reporting negative information to credit bureaus ; FCRA 1681i ( a ) ( 5 ) ( A ) Requires deletion of information that can not be verified ; FACTA ( 2003 amendment to FCRA ) Expands consumer rights to access supporting documentation for disputed items, including detailed transaction records and verification data ; Regulation Z 12 C.F.R. 1026.5 ( b ), 1026.7, and 1026.9 ( c ) ( 2 ) ( ii ) Requires issuers to send clear, timely billing statements and obtain affirmative consumer consent for electronic delivery.\n\nIf Chase can not produce the requested documentation, I demand the immediate and permanent deletion of this tradeline from all consumer credit reports, as required under FCRA 1681i ( a ) ( 5 ) ( A ).\n\nFailure to comply within 15 calendar days will constitute a willful violation of the above laws and may result in legal action under FCRA 1681n and 1681o, including the pursuit of statutory, actual, and punitive damages.\n\nViolations Already Committed by Chase Due to your failure to provide billing statements, fraud alerts, delinquency warnings, or any legally required notice of negative credit reporting, as requested in our previously mailed dispute, our previously filed CFPB complaint, and our previously mailed FACTA request, you have already committed multiple violations of federal law, including : 15 U.S.C. 1681s-2 ( a ) ( 6 ) Failure to notify the consumer of negative information furnished to credit bureaus within 30 days ; 12 C.F.R. 1026.7 and 1026.5 ( b ) Failure to provide clear and timely monthly billing statements as required under Regulation Z ; 12 C.F.R. 1026.9 ( c ) ( 2 ) ( ii ) Failure to obtain affirmative consent and provide valid, demonstrable delivery of electronic statements ; FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide documentation relied upon in verifying disputed information ; FACTA ( 2003 amendment to FCRA ) Failure to provide itemized records and verification data upon request.\n\nFCRA 623 ( a ) ( 3 ) Failure to flag the account as disputed after being notified, which misleads future users of the report.\n\nThese violations are not hypothetical or procedural they have already occurred, and I am documenting them for possible litigation under FCRA 1681n and 1681o, which provide for recovery of statutory, actual, and punitive damages in cases of willful or negligent noncompliance.\n\nAs a result of this inaccurate and unverified reporting, I have experienced adverse credit decisions and reputational harm, with no opportunity to review or challenge the underlying transactions.\n\nRequest for CFPB Action If Chase continues to withhold the requested documentation, I will escalate this matter to the FTC and the New York State Attorney General, and I am prepared to compel Chase through legal action to either produce the records or delete the tradeline.\n\nI respectfully request that the CFPB : 1. Compel Chase to provide the full, itemized monthly statements described above ; 2. Keep the investigation open until the documentation is received and evaluated ; 3. Ensure that any reporting in the meantime is suspended or flagged as disputed, as required by law ; 4. Evaluate Chases ongoing violations for potential regulatory or enforcement action.","date_sent_to_company":"2025-07-17T01:39:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11214","tags":null,"has_narrative":true,"complaint_id":"14702870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-07-17T01:34:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Supplemental Complaint Formal Dispute of Balance, Payment History, and Lack of Notification This <em>filing</em> is not a duplicate of Complaint # XXXX. It supplements that case by <em>documenting</em> additional legal violations committed by Chase after the original <em>filing</em>, including non-response to a mailed XXXX request and continued <em>failure</em> to provide verification <em>documents</em>. \nThis <em>filing</em> supplements CFPB Complaint # XXXX, previously submitted regarding this same account."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[14.446034,"14702870"]},{"_index":"complaint-public-v1","_id":"17814562","_score":14.430681,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"MISLEADING ADVERTISING AND ACCOUNT MANAGEMENT FAILURE - XXXX COMPLAINT AFTER XXXX MONTHS This is my XXXX  complaint about the same unresolved issue. Previous complaints filed against PayPal/XXXX  : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). \n\nPRIMARY ISSUE : FALSE AND MISLEADING ADVERTISING PayPal/XXXX advertises the XXXXXXXX XXXX XXXX with specific claims : - \" Manage your XXXX XXXX XXXX  right in the app '' - \" Check your balance anytime '' - \" See transactions and make payments - all in XXXX  '' These advertisements are FALSE and MISLEADING. From approximately XX/XX/XXXX through XX/XX/XXXX, the XXXXXXXX XXXX XXXXp failed to display my credit card balance information despite these advertised features. \n\nWHAT HAPPENED - DETAILED TIMELINE : XX/XX/XXXX : Approved for XXXX XXXX XXXX Regularly checked the XXXXXXXX XXXX to monitor the account as advertised. \n\nXX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX consistently showed my credit card listing but displayed NO balance, NO payment due date, and NO alerts. The interface appeared frozen or incomplete. I relied on PayPal 's advertising that I could \" check my balance anytime '' in the app. \n\nDuring this period, I was being charged : - Monthly interest charges exceeding {$220.00} per month - Paper statement fees of {$1.00} monthly - Yet the app displayed NO balance information to alert me to these accumulating charges XX/XX/XXXX : Received fraud alert from credit monitoring service indicating drastic drop in credit score. After hours of investigation, discovered balance of {$9900.00} on my credit card with over {$2600.00} in accumulated interest charges. \n\nXX/XX/XXXX : For the first time in months, logged into XXXX  XXXX  and it displayed the full balance of {$9900.00}. Prior to this date, the same app on the same device showed the card with no balance information. \n\nXX/XX/XXXX : IMMEDIATELY paid off entire balance in XXXX payments totaling {$9900.00} ( {$7300.00} and {$2600.00} ) on the same day I discovered it. This demonstrates I would have paid immediately had the app displayed the balance as advertised. I have never carried credit card balances or paid interest in my entire financial history. \n\nXX/XX/XXXX : Called XXXX  customer support, spent over XXXX hour with XXXX representatives. All dismissed concerns and refused to waive interest charges or acknowledge app failure. \n\nXX/XX/XXXX : Filed first CFPB complaint ( XXXX ). \n\nPATTERN OF EVASION ACROSS XXXX PREVIOUS COMPLAINTS : Complaint XXXX ( XXXX, filed XX/XX/XXXX ) : PayPal forwarded XXXX XXXX XXXX  XXXX XXXX responded about billing compliance but did not address app failure. Closed without resolution. \n\nComplaint XXXX ( XXXX, filed XX/XX/XXXX ) : PayPal 's executive team called and left voicemail promising to email me to gather information for their developers to debug the issue. THE EMAIL NEVER CAME despite this promise being documented in their official CFPB response. \n\nXX/XX/XXXX : Sent follow-up email to XXXX as instructed in their CFPB response XXXX NO RESPONSE FOR XXXX MONTHS to this date. \n\nComplaint XXXX ( XXXX, filed XX/XX/XXXX ) : PayPal again deflected to XXXX. PayPal claimed they could not verify the app issue without additional information, despite never sending the promised email to gather that information. XXXX eventually responded claiming they could not confirm app issues. \n\nComplaint XXXX ( XXXX, filed XX/XX/XXXX ) : Most recent response dated XX/XX/XXXX contains multiple FALSE STATEMENTS including : - Claimed I used a \" lesser used email address '' - FALSE, I have only XXXX email associated with this account - Claimed I received paper credit card statements- FALSE, I did not receive paper credit card statements ( only standard XXXX  account summaries ) - Claimed \" there are no known app issues with information not displaying payments, balances, etc. '' - FALSE and irrelevant, as XXXX  has no access to PayPal 's app code to investigate - Claimed I registered for paperless billing on XX/XX/XXXX - this date is AFTER I discovered and paid off the balance, supporting my claim that I was not receiving proper statements before that point WHY THIS IS MISLEADING ADVERTISING : PayPal advertised specific account management features. I relied on these advertisements and used the app as my primary method to monitor the account. The app FAILED to display the advertised information for over XXXX months. \n\nWhen a company advertises \" check your balance anytime '' and the app does not display the balance, that is textbook misleading advertising under Federal Trade Commission Act Section 5 and California Consumer Legal Remedies Act. \n\nThe fact that I paid {$9900.00} in full within hours of discovering the balance proves : XXXX. I had the financial means to pay XXXX. I took immediate action once I had accurate information XXXX. The ONLY reason interest accumulated was the app 's failure to display the balance as advertised XXXX. This was not negligence or intentional non-payment on my part XXXX. The {$2400.00} in interest charges are entirely attributable to PayPal 's misleading advertising and app failure PAYPAL CAN NOT ESCAPE RESPONSIBILITY : In every complaint, PayPal deflects by saying \" the credit card is issued by XXXX XXXX. '' However : XXXX. THE XXXX  XXXX  IS OPERATED BY PAYPAL - App Store listing clearly states : published by \" PayPal XXXX XXXX '' XXXX. THE ADVERTISING IS CREATED BY PAYPAL - XXXX  website and marketing materials promoting app features XXXX. XXXX  HAS CONFIRMED they do not control the app - XX/XX/XXXX response states : \" XXXX Bank, not XXXX, generates both the paper statements and the information displayed in the XXXX XXXX '' and \" we were able to confirm that there are no known app issues '' - proving they can not investigate PayPal 's app functionality XXXX. ONLY PAYPAL has access to the XXXX XXXX XXXX code and can investigate display bugs PayPal 's claim that \" XXXX generates the information displayed in the XXXX XXXX  '' is misleading. While XXXX may provide XXXX, PayPal 's XXXX XXXX is responsible for DISPLAYING that data to users. If the app fails to display the data, that is PayPal 's failure, not XXXXXXXX XXXX \n\nAnalogy : If a bank provides data to a mobile app, and the app does not display it, users blame the app company - not the bank that sent the data correctly. \n\nPayPal can not advertise features, profit from customers relying on those features, then disclaim all responsibility when the features fail by pointing to a backend service provider. \n\nPROOF PROVIDED : XXXX. Screenshot of XX/XX/XXXX XXXX  transaction history showing : XXXX immediate payments totaling {$9900.00} made same day balance was discovered ( {$7300.00} and {$2600.00} ) Previous months ' interest charges that were accumulating without my knowledge ( examples : {$220.00} on XX/XX/XXXX, {$220.00} on XX/XX/XXXX ) Paper statement fees ( {$1.00} ) I was being charged while app showed no balance Prior payment of {$330.00} on XX/XX/XXXX, demonstrating I make payments when I am aware of them This proves I took immediate action once I could see the balance, demonstrating I relied on the app 's display ( or lack thereof ) XXXX. Screenshot : XXXX XXXX showing credit card listing with NO balance displayed ( taken during XXXX XXXX period ) XXXX. Screenshot : Same XXXX  XXXX  on XX/XX/XXXX suddenly showing {$9900.00} balance - same device, same account, demonstrating the app malfunction XXXX. Account statements showing total interest charges of {$2400.00} accumulated over the period when app failed to display balance XXXX. XXXX  marketing materials and website screenshots claiming \" manage your card in the app '' and \" check your balance anytime '' XXXX. All XXXX previous CFPB complaint responses showing pattern of deflection and false statements XXXX. XX/XX/XXXX email to XXXX showing attempted follow-up that was ignored XXXX. XX/XX/XXXX XXXX  response containing false statements about email accounts and paper statements THE FINANCIAL HARM : Interest charges accumulated : {$2400.00} ( documented in account statements over XXXX months ) Credit score impact : High utilization ratio reported to credit bureaus for extended period, causing significant score drop Time spent : XXXX hours on phone calls, emails, complaint preparation, and research Emotional distress : Significant anxiety from unexpected debt discovery, feeling of fraud/identity theft initially, and repeated dismissal by company representatives Had the app displayed my balance as advertised, I would have paid it immediately as demonstrated by my same-day {$9900.00} payment. I have maintained excellent credit throughout my life and always pay balances in full to avoid interest charges. I have never carried such a large balance or accrued interest charges prior to this incident. \n\nBROKEN PROMISES AND BAD FAITH : PayPal 's executive team specifically promised in Complaint XXXX to email me for information to help their developers debug the issue. This promise was documented in their official CFPB response dated XX/XX/XXXX. The email never came. \n\nI sent a follow-up email on XX/XX/XXXX to the address they provided ( XXXX ) attempting to provide the information they requested. XXXX months later, I have received NO RESPONSE. \n\nThis broken promise, combined with false statements in the XX/XX/XXXX response ( claiming multiple email accounts I do not have, claiming paper statements I did not receive ), demonstrates a clear pattern of bad faith in handling consumer complaints. \n\nWHY I AM FILING A XXXX COMPLAINT : After XXXX months and XXXX previous complaints, PayPal has : - Never acknowledged the app failure occurred - Never conducted or reported any technical investigation - Never refunded the interest charges caused by their failure - Made multiple false statements in official responses- Broken documented promises to follow up - Consistently deflected responsibility to XXXX XXXX XXXX Ignored follow-up communications for XXXX months Each complaint has been met with either : XXXX. Deflection to XXXX ( who can not fix PayPal 's app ) XXXX. Promises of follow-up that never materialized XXXX. False statements about my account and communications XXXX. Closure without resolution I am requesting CFPB escalation and enforcement action for this pattern of evasion, false statements in regulatory responses, and refusal to honor commitments made in CFPB responses. \n\nWHAT I AM REQUESTING : XXXX. PayPal acknowledge that advertising non-functional features constitutes misleading advertising and violates consumer protection laws XXXX. Full refund of {$2400.00} in interest charges directly caused by app failure to display advertised information that would have enabled timely payment XXXX. Compensation of {$5000.00} for documented harm including : XXXX hours spent on calls, emails, and complaint preparation Credit score damage from months of high utilization reporting Emotional distress from fraud concerns and repeated dismissals Opportunity cost and time value XXXX. Written technical explanation from PayPal 's development team about : What caused the display bug When it occurred How many users were affected What steps have been taken to prevent recurrence XXXX. CFPB enforcement action against PayPal for : Pattern of consumer complaint evasion across XXXX complaints False statements in regulatory responses ( email accounts, paper statements ) Broken commitments documented in CFPB responses Misleading advertising under FTC Act Section 5 6. Investigation into whether this app failure affected other XXXX XXXX XXXX users, as this may represent a systemic issue requiring broader remediation 7. Correction of credit bureau reporting to remove negative impact from the period when app failed to display balance information LEGAL VIOLATIONS : - Federal Trade Commission Act Section 5 : Deceptive advertising practices ( advertising features that do not function as advertised ) - California Consumer Legal Remedies Act ( Civil Code 1750 et seq. ) : False advertising and failure to provide advertised services - Truth in Lending Act : Failure to provide accessible and accurate account information - California Unfair Competition Law ( Business and Professions Code 17200 ) : Unfair and deceptive business practices- Negligence : Failure to maintain advertised app functionality - Breach of implied warranty of merchantability : App not fit for advertised purpose PROOF I WOULD HAVE PAID IMMEDIATELY IF APP WORKED : The attached XX/XX/XXXX transaction history proves this was not a case of consumer negligence or unwillingness to pay. Within hours of discovering the balance through my credit monitoring service ( since the XXXX  XXXX  failed to display it despite advertising this feature ), I paid {$9900.00} in full via XXXX transactions. \n\nThe {$2400.00} in interest charges represent money PayPal and XXXX collected solely because PayPal 's app failed to display the information PayPal advertised as \" available anytime. '' This is unjust enrichment at consumer expense due to false advertising. \n\nPrior transaction history shows {$330.00} payment on XX/XX/XXXX, demonstrating I make payments when I am aware of them. The difference is that in XXXX I could see that payment was due ; from XXXX through XX/XX/XXXX, the app showed no balance information despite PayPal 's advertising. \n\nCONCLUSION : I have been a loyal XXXX  user and have maintained excellent credit throughout my life. This situation has caused significant financial harm ( {$2400.00} ), credit damage, and emotional distress- all due to PayPal 's false advertising and subsequent refusal to take responsibility across XXXX complaints over XXXX months. \n\nPayPal operates the XXXX XXXX PayPal created the misleading advertisements. PayPal profits from the credit card partnership. PayPal promised to investigate and follow up, then failed to do so. PayPal made false statements in regulatory responses. \n\nPayPal must be held accountable. \n\nThe pattern of evasion, broken promises, and false statements in responses to regulatory complaints represents a serious failure of consumer protection that requires CFPB intervention and enforcement action.","date_sent_to_company":"2026-03-17T19:51:45.000Z","issue":"Confusing or misleading advertising or marketing","sub_product":"Mobile or digital wallet","zip_code":"94085","tags":null,"has_narrative":true,"complaint_id":"17814562","timely":"No","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-11-26T07:23:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>MISLEADING</em> ADVERTISING AND ACCOUNT MANAGEMENT <em>FAILURE</em> - XXXX COMPLAINT AFTER XXXX MONTHS This is my XXXX  complaint about the same unresolved issue. Previous complaints <em>filed</em> against PayPal/XXXX  : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX )."],"issue":["Confusing or <em>misleading</em> advertising or marketing"]},"sort":[14.430681,"17814562"]},{"_index":"complaint-public-v1","_id":"9645721","_score":14.420198,"_source":{"product":"Debt collection","complaint_what_happened":"Dear AshmerCollectionServices, I am writing to dispute the debt you claim I owe. I have no record of any contract or agreement with your agency. Please provide written validation of the debt, including proof that l owe this debt and that your agency is authorized to collect it. Please be aware that under the Fair Debt Collection Practices Act ( FDCPA ), a debt collecto can not make false or misleading statements, Failure to provide this information may constitute a violation of the FDCPA. Until you provide the requested validation, please cease all collection efforts. \nIf this issue is not resolved, I will file a complaint with the Consumer Financial Protection Bureau and my state 's attorney general.i have given amshercollection service plenty of time and opportunity to provide me with the necessary documents, and they have failed to do so .i have no account number or anything to provide you with because I have no relations to this debt! And you clearly can not provide me with the requested information. Sincerely, XXXX XXXX","date_sent_to_company":"2024-08-01T14:12:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"9645721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Amsher Collection Services, Inc.","date_received":"2024-07-30T12:01:38.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Please be aware that under the Fair Debt Collection Practices Act ( FDCPA ), a debt collecto can not make false or <em>misleading</em> <em>statements</em>, <em>Failure</em> to provide this <em>information</em> may constitute a violation of the FDCPA. Until you provide the requested validation, please cease all collection efforts."]},"sort":[14.420198,"9645721"]},{"_index":"complaint-public-v1","_id":"12846548","_score":14.373539,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion for reporting inaccurate and misleading late payments on an account XXXX XXXX XXXX XXXX # XXXX ) that has already been paid and closed. \n\nTransUnion previously removed the charge-off status from this account, yet continues to report multiple late payments tied to the period before the charge-off which is inconsistent, misleading, and violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards . \n\nI submitted multiple disputes via certified mail and provided verification documents including photo ID and proof of address. Instead of properly investigating, TransUnion responded with generic language stating the account was verified as accurate, without providing any evidence of Metro 2 or FCRA compliance.\n\nI specifically requested documentation proving that periodic billing statements were sent at least 21 days before the due date in accordance with 15 U.S.C. 1666b and 15 U.S.C. 1637 ( b ), but TransUnion has not provided any such proof. \n\nThis failure to correct inaccurate information after formal dispute constitutes willful and negligent noncompliance with the FCRA.","date_sent_to_company":"2025-04-07T02:50:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"12846548","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-07T02:44:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I specifically requested documentation proving that periodic billing <em>statements</em> were sent at least 21 days before the due date in accordance with 15 U.S.C. 1666b and 15 U.S.C. 1637 ( b ), but TransUnion has not provided any such proof. \n\nThis <em>failure</em> to correct inaccurate <em>information</em> after formal dispute constitutes willful and negligent noncompliance with the FCRA."]},"sort":[14.373539,"12846548"]},{"_index":"complaint-public-v1","_id":"18597009","_score":14.311774,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am filing a complaint against Sofi regarding a dispute handling delay and failure to issue a provisional credit despite documented financial hardship. \nOn XX/XX/year>, I opened a dispute for a charge of {$3000.00} that should have only been {$1600.00}. I immediately submitted all requested supporting documents. I was told the dispute was in progress and that a provisional credit would be issued while the investigation continued. \nI disclosed that this situation was affecting my ability to pay rent and that I was at risk of eviction. Sofi acknowledged this hardship and stated they would escalate the matter for a provisional credit. \nDuring chat support, I was given a specific date that the provisional credit would be issued ( Friday ). After XXXX business days, no provisional credit or communication was provided. I then learned that Sofis representative gave incorrect information and that the date was pushed to Monday.\n\nThis delay, misinformation, and lack of communication has directly contributed to my eviction process. I have chat logs, screenshots, and documentation confirming the timeline, hardship disclosures, and Sofis statements.\n\nI am requesting : Immediate resolution of the dispute Immediate issuance of the provisional credit Review of Sofis dispute handling practices Accountability for misleading or incorrect information provided by Sofi Managers","date_sent_to_company":"2026-01-09T14:00:21.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"75039","tags":null,"has_narrative":true,"complaint_id":"18597009","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2026-01-09T13:51:02.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am <em>filing</em> a complaint against Sofi regarding a dispute handling delay and <em>failure</em> to issue a provisional credit despite <em>documented</em> financial hardship. \nOn XX/XX/year>, I opened a dispute for a charge of {$3000.00} that should have only been {$1600.00}. I immediately submitted all requested supporting <em>documents</em>. I was told the dispute was in progress and that a provisional credit would be issued while the investigation continued."]},"sort":[14.311774,"18597009"]},{"_index":"complaint-public-v1","_id":"4805066","_score":14.191566,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I XXXX XXXX am submitting this complaint on my own. XXXX, XXXX, Equifax has alone XXXX to provide false information to my credit report, stating that the court house provided this information where you can see in the attachment the court house do not provide information to the credit reporting agencies. They are in violation of Fair Credit Reporting Act and 15 U.S. Code 80a33.Destruction and falsification of reports and records ( a ) Willful destruction It shall be unlawful for any person, except as permitted by rule, regulation, or order of the Commission, willfully to destroy, mutilate, or alter any account, book, or other document the preservation of which has been required pursuant to section 80a30 ( a ) or 80a31 ( c ) of this title.\n\n( b ) Untrue statements or omissions It shall be unlawful for any person to make any untrue statement of a material fact in any registration statement, application, report, account, record, or other document filed or transmitted pursuant to this subchapter or the keeping of which is required pursuant to section 80a30 ( a ) of this title. It shall be unlawful for any person so filing, transmitting, or keeping any such document to omit to state therein any fact necessary in order to prevent the statements made therein, in the light of the circumstances under which they were made, from being materially misleading. \nI XXXX XXXX the natural consumer Never gave XXXX, XXXX, Equifax has alone XXXX XXXX to report anything to the credit reporting agancies nor do I have a contract to do business with them. XXXX, XXXX, Equifax has alone XXXX has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; XXXX, XXXX, Equifax has alone XXXX is in violation of 15 U.S. Code 1692d - Harassment or abuse in A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. XXXX, XXXX, Equifax has alone XXXX has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. XXXX, XXXX, Equifax has alone XXXX is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX has provided false information to XXXX, Equifax, & XXXX.","date_sent_to_company":"2021-10-13T18:05:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19143","tags":null,"has_narrative":true,"complaint_id":"4805066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-10-13T18:05:07.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( b ) Untrue <em>statements</em> or omissions It shall be unlawful for any person to make any untrue <em>statement</em> of a material fact in any registration <em>statement</em>, application, report, account, record, or other <em>document</em> <em>filed</em> or transmitted pursuant to this subchapter or the keeping of which is required pursuant to section 80a30 ( a ) of this title."]},"sort":[14.191566,"4805066"]},{"_index":"complaint-public-v1","_id":"15415583","_score":14.1842785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding Experians continued reporting of three XXXX XXXX accounts that are inaccurate, misleading, and unverifiable. \n\nAccounts in Question ( as reported on my Experian credit file dated XX/XX/year> ) : XXXX XXXX  Account XXXX XXXX balance {$3700.00} XXXX XXXX Account XXXX XXXXXXXX balance {$510.00} XXXX XXXX Account XXXX XXXXXXXX balance {$440.00} Problems with Reporting Charge-Offs with Balances Each account is reported as charged off while still carrying a balance. Under Metro 2 reporting standards, a charged-off account should not continue to report as an active outstanding balance unless clear ownership and liability are documented.\n\nRe-Aging of Delinquencies These accounts continue to show monthly CO ( charge-off ) notations into 2025, even though they were previously charged off earlier. This is unlawful re-aging, which artificially extends derogatory reporting beyond the FCRAs 7-year limit. \n\nInsufficient Verification Provided In response to disputes, XXXX XXXX has provided only copies of billing statements. These are not itemized billing records or contractual proof of liability. \n\nBilling statements simply show balances and recent charges. \n\nThey do not prove how the alleged balances were calculated from account opening through charge-off. \n\nThey do not include all transactions, fees, and interest charges necessary to verify accuracy. \n\nThey do not establish that I contractually agreed to the amounts reported. \n\nWithout a full itemized billing history and signed credit agreement, Experian and XXXX XXXX have not met their duty under FCRA 611 ( a ) to conduct a reasonable reinvestigation. \n\nConsumer Harm Reporting three separate XXXX XXXX charge-offs with ongoing balances misleads lenders and unfairly inflates derogatory data against me. This violates Experians duty under FCRA 1681e ( b ) to ensure maximum possible accuracy.\n\nViolations FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation.\n\nFCRA 611 ( a ) ( 5 ) : Failure to delete unverifiable information.\n\nFCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.\n\nMetro 2 Standards : Improper reporting of charge-offs with balances and re-aging of delinquency history.","date_sent_to_company":"2025-08-20T11:31:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30005","tags":"Servicemember","has_narrative":true,"complaint_id":"15415583","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-20T11:30:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this complaint regarding Experians continued reporting 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