{"took":122,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":70,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16528540","_score":22.1429,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Several self-financial-related tradelines are being reported inconsistently and inaccurately on my Experian credit file compared to those on my XXXX  and XXXX files XXXX These errors involve outdated delinquency notations, missing balances, and incomplete payment updates that now interfere with my VA XXXX loan eligibility. \n\nBelow is a breakdown of each affected account and the corrections requested under FCRA 623 ( a ) ( 2 ) and 611 ( a ).\n\n1. Sunrise Banks/ Self Financial ( Credit Builder Loan ) Problem : Experian shows Paid account/was 30 days past due and 30 days delinquent, while Equifax and TransUnion both XXXX Paid as agreed {$0.00} balance. \n\nCorrection Requested : Update Experian to Paid as agreed closed account {$0.00} balance. \n\nRemove all 30 days past due and was 30 days delinquent remarks. \n\nRefresh the last updated date to match XXXX XX/XX/2025 record. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX  Revolving Credit Builder Line ) Problem : XXXX has no recent update, showing a missing balance, payment status, and last activity. TransUnion shows XXXX or paying as agreed {$0.00} balance. \n\nCorrection Requested : Update Experian to show XXXX as agreed closed account {$0.00} balance. \n\nInclude the last updated date as XX/XX/2025 and remove any outdated or blank data fields. \n\nXXXX. Self Credit Builder Account ( if a separate tradeline appears under Self Financial or Credit Builder Account ) Problem : Some reports list duplicate or stale Self Credit Builder accounts with inconsistent dates or missing {$0.00} balances. \n\nCorrection Requested : Delete any duplicate or inactive XXXX XXXX / XXXX XXXX accounts showing the same loan number. \n\nEnsure all active XXXX accounts reflect Paid as agreed {$0.00} balance closed. please delete all self reporting unless it has a positive mark","date_sent_to_company":"2025-10-13T00:59:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76179","tags":"Servicemember","has_narrative":true,"complaint_id":"16528540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-10-13T00:49:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX  Revolving Credit Builder Line ) Problem : XXXX has no recent <em>update</em>, showing a <em>missing</em> <em>balance</em>, payment status, and last activity. TransUnion shows XXXX or paying as agreed {$0.00} <em>balance</em>. \n\nCorrection Requested : <em>Update</em> Experian to show XXXX as agreed closed account {$0.00} <em>balance</em>. \n\nInclude the last <em>updated</em> date as XX/XX/2025 and remove any outdated or <em>blank</em> data fields. \n\nXXXX."]},"sort":[22.1429,"16528540"]},{"_index":"complaint-public-v1","_id":"15290313","_score":21.824896,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complainant : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  MA XXXX XXXX XXXX Company Names : XXXX  XXXX XXXX XXXX XXXX. \nSunnova Energy Corporation Product : Credit Reporting Incorrect information on credit report Problem : Improper reporting of late payments, missing required fields, and non-compliance with XXXX XXXX data standards. \nXXXX Complaint Narrative : On my XXXX  credit report dated XX/XX/year>, Sunnova Energy Corp is reporting an account ( Account No. XXXX ) with XXXX late payments and a balance of {$33000.00} ( original ), marked Paid Off. However, the reporting contains numerous material inaccuracies, omissions, and contradictions that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and XXXX XXXX reporting standards. \nI have attached my direct dispute letter to Sunnova ( furnisher ) and my FCRA XXXX dispute letter to Experian. The specific issues include : XXXX. Missing Payment History & DOFD No month-by-month payment codes or Date of First Delinquency provided, making the late payments unverifiable. \nXXXX. Paid-Off Status Without Payoff Date The account is marked Paid Off but with no closure or payoff date. \nXXXX. Blank Balance Fields Current Balance shows as instead of {$0.00}, and Amount Past Due is not provided despite late payment claims. \nXXXX. Duplicate Entries Same incomplete Sunnova account appears multiple times in my Experian file. \nXXXX. Account Type Misclassification Listed as Utility despite the loan-like structure and large original balance. \nXXXX. Missing Update Dates Balance updated date is blank. \nXXXX. Missing Furnisher Contact Info No address or phone for Sunnova in the credit report. \nXXXX. Re-Aging Risk No DOFD or closure date means the account could be re-aged beyond the XXXX limit. \nXXXX. XXXX XXXX Data Field Non-Compliance Multiple missing required fields under the XXXX XXXX format. \nXXXX. Failure to Assure Maximum Possible Accuracy Violates FCRA 1681e ( b ).\n\nImpact : This inaccurate reporting is damaging my credit score and misrepresenting my credit history. I have already sent disputes to both Experian and Sunnova under FCRA 611 and 623 ( a ) ( 8 ), but I am concerned about ongoing violations and the failure to follow industry reporting standards. \nRelief Sought : Immediate deletion of the Sunnova account from all credit reporting agencies, OR full correction to comply with XXXX XXXX standards and FCRA requirements. \nWritten confirmation from both XXXX  and Sunnova. \nAssurance that this account will not be re-aged or re-reported without full compliance. \nAttachments : XXXX  dispute letter ( FCRA 611 ) Sunnova dispute letter ( FCRA 623 ( a ) ( 8 ) ) Credit report excerpt showing inaccurate tradeline XXXX XXXXXXXX XXXX XXXX XXXX XXXXt Sunnova Energy Corp XXXX Name / Number Exact Error XXXX XXXX Standard / FCRA Law Violated Why Violation ( Accuracy / Completeness / Consistency ) Payment History Profile ( Field XXXX ) No month-by-month payment codes provided despite claim of XXXX late payments XXXX XXXX Field XXXX XXXX FCRA 623 ( a ) ( 5 ), 1681e ( b ) Prevents verification of delinquencies ; incomplete payment history violates XXXX XXXX Date of First Delinquency ( Field XXXX ) Missing DOFD entirely FCRA XXXX ( a ) ( XXXX ) ; XXXX XXXX Field XXXX XXXX to determine XXXX reporting limit ; omission allows illegal re-aging Account Status ( Field XXXX ) / Date Closed ( Field XXXX ) Marked 'Paid off ' with no closure or payoff date XXXX XXXX Field XXXX & XXXX ; FCRA 1681e ( b ) Status/date mismatch prevents determining when delinquency ended Current Balance ( Field XXXX ) / Amount Past Due ( Field XXXX ) Current balance is \" instead of {$0.00} ; Amount Past Due missing XXXX XXXX Field XXXX & XXXX Blank balance fields are inaccurate ; past due must be {$0.00} if balance is {$0.00} Base Segment Creditor Contact Information No furnisher address or phone number listed FCRA 609 ( a ) ( XXXX ) ; XXXX XXXX Base Segment Consumers must be able to contact furnisher to dispute Account Type ( Field XXXX ) Reported as 'Utility ' despite large loan-like balance XXXX XXXX Field XXXX ; FCRA 1681e ( b ) Misclassification can mislead lenders and scoring models Date of Account Information ( Field XXXX ) 'Balance updated ' date blank Metro XXXX Field XXXX ; FCRA 1681e ( b ) Missing update date prevents determining currency of data Duplicate Tradeline Rule Same Sunnova account repeated multiple times without full details XXXX XXXX prohibition on duplicate tradelines ; FCRA 1681e ( b ) Misleads lenders into thinking there are multiple delinquent accounts FCRA Maximum Possible Accuracy Standard Multiple blank, contradictory, and incomplete fields FCRA 1681e ( b ) If data is unverifiable or incomplete, it must be deleted","date_sent_to_company":"2025-08-14T16:55:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"15290313","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Sunnova Energy Corporation","date_received":"2025-08-14T16:55:27.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Account Type Misclassification Listed as Utility despite the loan-like structure and large original <em>balance</em>. \nXXXX. <em>Missing</em> <em>Update</em> <em>Dates</em> <em>Balance</em> <em>updated</em> date is <em>blank</em>. \nXXXX. <em>Missing</em> Furnisher Contact Info No address or phone for Sunnova in the credit report. \nXXXX. Re-Aging Risk No DOFD or closure date means the account could be re-aged beyond the XXXX limit. \nXXXX. XXXX XXXX Data Field Non-Compliance Multiple <em>missing</em> required fields under the XXXX XXXX format. \nXXXX."]},"sort":[21.824896,"15290313"]},{"_index":"complaint-public-v1","_id":"15290278","_score":21.824896,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Names : Experian Information Solutions , Inc . \nXXXX XXXX XXXX XXXX : Credit Reporting Incorrect information on credit report Problem : Improper reporting of late payments, missing required fields, and non-compliance with Metro 2 data standards.\n\n________________________________________ Complaint Narrative : On my Experian credit report dated XX/XX/year>, XXXX XXXX XXXX is reporting an account ( Account No. XXXX ) with XXXX late payments and a balance of {$33000.00} ( original ), marked Paid Off. However, the reporting contains numerous material inaccuracies, omissions, and contradictions that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 reporting standards. \nI have attached my direct dispute letter to XXXX ( furnisher ) and my FCRA 611 dispute letter to Experian. The specific issues include : 1. Missing Payment History & XXXX  No month-by-month payment codes or Date of First Delinquency provided, making the late payments unverifiable. \n2. Paid-Off Status Without Payoff Date The account is marked Paid Off but with no closure or payoff date. \n3. Blank Balance Fields Current Balance shows as instead of {$0.00}, and Amount Past Due is not provided despite late payment claims.\n\n4. Duplicate Entries Same incomplete XXXX account appears multiple times in my Experian file. \n5. Account Type Misclassification Listed as Utility despite the loan-like structure and large original balance.\n\n6. Missing Update Dates Balance updated date is blank.\n\n7. Missing Furnisher Contact Info No address or phone for XXXX in the credit report. \n8. Re-Aging Risk No XXXX or closure date means the account could be re-aged beyond the XXXX limit. \n9. Metro 2 Data Field Non-Compliance Multiple missing required fields under the Metro 2 format.\n\n10. Failure to Assure Maximum Possible Accuracy Violates FCRA 1681e ( b ).\n\nImpact : This inaccurate reporting is damaging my credit score and misrepresenting my credit history. I have already sent disputes to both Experian and XXXX under FCRA 611 and 623 ( a ) ( 8 ), but I am concerned about ongoing violations and the failure to follow industry reporting standards.\n\nRelief Sought : Immediate deletion of the XXXX account from all credit reporting agencies, OR full correction to comply with Metro 2 standards and FCRA requirements. \nWritten confirmation from both Experian and XXXX. \nXXXX that this account will not be re-aged or re-reported without full compliance. \nAttachments : Experian dispute letter ( FCRA 611 ) Sunnova dispute letter ( FCRA 623 ( a ) ( 8 ) ) Credit report excerpt showing inaccurate tradeline ________________________________________ Metro 2 Field Violation XXXX XXXX XXXX XXXX XXXX Name / Number Exact Error Metro 2 Standard / FCRA Law Violated Why Violation ( Accuracy / Completeness / Consistency ) Payment History Profile ( Field XXXX ) No month-by-month payment codes provided despite claim of XXXX late payments Metro 2 Field 28 ; FCRA 623 ( a ) ( 5 ), 1681e ( b ) Prevents verification of delinquencies ; incomplete payment history violates Metro 2 Date of First Delinquency ( Field XXXX ) Missing XXXX  entirely FCRA 623 ( a ) ( 5 ) ; Metro 2 Field XXXX Required to determine XXXX reporting limit ; omission allows illegal re-aging Account Status ( Field XXXX ) / Date Closed ( Field XXXX ) Marked 'Paid off ' with no closure or payoff date Metro 2 Field XXXX & XXXX ; FCRA 1681e ( b ) Status/date mismatch prevents determining when delinquency ended Current Balance ( Field XXXX ) / Amount Past Due ( Field XXXX ) Current balance is \" instead of {$0.00} ; Amount Past Due missing Metro 2 Field XXXX & XXXX Blank balance fields XXXX inaccurate ; past due must be {$0.00} if balance is {$0.00} Base Segment Creditor Contact Information No furnisher address or phone number listed FCRA 609 ( a ) ( 1 ) ; Metro 2 Base Segment Consumers must be able to XXXX furnisher to dispute Account Type ( Field XXXX ) Reported as 'Utility ' despite large loan-like balance Metro 2 Field XXXX ; FCRA 1681e ( b ) Misclassification can mislead lenders and scoring models Date of Account Information ( Field XXXX ) 'Balance updated ' date blank Metro XXXX Field XXXX ; FCRA 1681e ( b ) Missing update date prevents determining currency of data Duplicate Tradeline Rule Same Sunnova account repeated multiple times without full details Metro 2 prohibition on duplicate tradelines ; FCRA 1681e ( b ) Misleads lenders into thinking there are multiple delinquent accounts FCRA Maximum Possible Accuracy Standard Multiple blank, contradictory, and incomplete fields FCRA 1681e ( b ) If data is unverifiable or incomplete, it must be deleted","date_sent_to_company":"2025-08-14T16:55:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"15290278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-14T16:45:27.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Account Type Misclassification Listed as Utility despite the loan-like structure and large original <em>balance</em>.\n\n6. <em>Missing</em> <em>Update</em> <em>Dates</em> <em>Balance</em> <em>updated</em> date is <em>blank</em>.\n\n7. <em>Missing</em> Furnisher Contact Info No address or phone for XXXX in the credit report. \n8. Re-Aging Risk No XXXX or closure date means the account could be re-aged beyond the XXXX limit. \n9. Metro 2 Data Field Non-Compliance Multiple <em>missing</em> required fields under the Metro 2 format.\n\n10."]},"sort":[21.824896,"15290278"]},{"_index":"complaint-public-v1","_id":"15893198","_score":21.27588,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Despite previous disputes, Experian has continued to report this account with multiple errors that violate the Fair Credit Reporting Act ( FCRA ) .The specific discrepancies include : 1. Future Reporting Date ( Impossible Entry ) : The balance shows as updated on XX/XX/XXXX, a date in the future. This is impossible and indicates Experian is reporting false or fabricated data. \n2. Contradictory Status : The account is labeled Paid off while still showing a past due balance of {$1500.00}. A paid account should not report as delinquent.\n\n3. Conflicting Comments : The remarks state, Account closed at credit grantors request. Completed investigation of FCRA dispute consumer disagrees. Yet the account simultaneously appears as a collection account with {$1500.00} past due, which is contradictory and misleading.\n\n4. Improper Payment History Reporting : The payment grid marks the account as\n\nC ( Collection ) for multiple months. Once an account is sent to collections, it should not repeatedly show new collection notations each month. 5. Missing Creditor Information : Key fields such as Original Creditor, Company Sold, and Monthly Payment are blank. Without this information, the account is unverifiable under FCRA standards. \nXXXX. Conflicting Update Dates : The tradeline states the status was last updated in XX/XX/XXXX, yet also shows the balance updated in XX/XX/XXXX, which is inconsistent.","date_sent_to_company":"2025-09-12T23:36:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11203","tags":null,"has_narrative":true,"complaint_id":"15893198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-12T23:35:54.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Missing</em> Creditor Information : Key fields such as Original Creditor, Company Sold, and Monthly Payment are <em>blank</em>. Without this information, the account is unverifiable under FCRA standards. \nXXXX. Conflicting <em>Update</em> <em>Dates</em> : The tradeline states the status was last <em>updated</em> in XX/XX/XXXX, yet also shows the <em>balance</em> <em>updated</em> in XX/XX/XXXX, which is inconsistent."]},"sort":[21.27588,"15893198"]},{"_index":"complaint-public-v1","_id":"15893195","_score":21.235966,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Despite previous disputes, Experian has continued to report this account with multiple errors that violate the Fair Credit Reporting Act ( FCRA ) .The specific discrepancies include : 1. Future Reporting Date ( Impossible Entry ) : The balance shows as updated on XX/XX/XXXX, a date in the future. This is impossible and indicates Experian is reporting false or fabricated data. \n2. Contradictory Status : The account is labeled Paid off while still showing a past due balance of {$1500.00}. A paid account should not report as delinquent.\n\n3. Conflicting Comments : The remarks state, Account closed at credit grantors request. Completed investigation of FCRA dispute consumer disagrees. Yet the account simultaneously appears as a collection account with {$1500.00} past due, which is contradictory and misleading.\n\n4. Improper Payment History Reporting : The payment grid marks the account as\n\nC ( Collection ) for multiple months. Once an account is sent to collections, it should not repeatedly show new collection notations each month. 5. Missing Creditor Information : Key fields such as Original Creditor, Company Sold, and Monthly Payment are blank. Without this information, the account is unverifiable under FCRA standards. \nXXXX. Conflicting Update Dates : The tradeline states the status was last updated in XX/XX/XXXX, yet also shows the balance updated in XX/XX/XXXX, which is inconsistent.","date_sent_to_company":"2025-09-12T23:36:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11203","tags":null,"has_narrative":true,"complaint_id":"15893195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-12T23:35:54.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Missing</em> Creditor Information : Key fields such as Original Creditor, Company Sold, and Monthly Payment are <em>blank</em>. Without this information, the account is unverifiable under FCRA standards. \nXXXX. Conflicting <em>Update</em> <em>Dates</em> : The tradeline states the status was last <em>updated</em> in XX/XX/XXXX, yet also shows the <em>balance</em> <em>updated</em> in XX/XX/XXXX, which is inconsistent."]},"sort":[21.235966,"15893195"]},{"_index":"complaint-public-v1","_id":"11197918","_score":20.254427,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Here are the FCRA violations observed in the newly uploaded Equifax credit report for XXXX XXXX XXXX : XXXX. Inaccurate Future Date Reported Issue : The Date Reported is listed as XX/XX/year>. Reporting a future date is inaccurate and misleading. \nFCRA Violation : 607 ( b ) Credit reporting agencies must maintain maximum possible accuracy in the information they report. \nWhy It Matters : Future dates can not exist on a report, as they do not reflect real activity. This inaccuracy negatively impacts your credit standing. \n\nXXXX. Missing Date of Last Activity Issue : The Date of Last Activity is blank. This date is crucial for determining the XXXX reporting period for derogatory accounts. \nFCRA Violation : 605 ( a ) ( 4 ) Negative accounts like charge-offs can only remain on a credit report for 7 years from the date of first delinquency. \nWhy It Matters : Without this date, it is impossible to determine if the account is being reported beyond the legal timeframe. \n\nXXXX. Charge-Off Status with Active Balance Issue : The account is marked as CHARGE-OFF, yet a balance of {$1300.00} is still being reported. \nCharge-offs indicate that the debt is no longer being actively collected by the original creditor. If the account has been sold or paid off, the balance must be updated. \nFCRA Violation : 623 ( a ) ( 2 ) Furnishers of credit information are required to update or correct inaccurate or incomplete data. \nWhy It Matters : Reporting both a charge-off and an active balance is inaccurate and could mislead lenders. \n\nXXXX. Prolonged Reinvestigation in Progress Issue : The account states Reinvestigation in Progress without a clear resolution. If this dispute process has exceeded 30 days, it violates your FCRA rights. \nFCRA Violation : 611 ( a ) ( 1 ) Credit bureaus must complete disputes within XXXX days ( 45 days if new information is provided during the dispute ). \nWhy It Matters : An unresolved dispute prevents you from obtaining an accurate and complete credit report. \n\nXXXX. Failure to Provide Complete Creditor Information Issue : The Original Creditor Name field is blank. This information is required for the consumer to validate the account. \nFCRA Violation : 609 ( a ) ( 1 ) Consumers have the right to know the source and original creditor details for all accounts reported. \nWhy It Matters : Without knowing the original creditor, you can not validate the legitimacy of the debt. \n\nSummary of Violations XXXX. Future reporting date ( XX/XX/year> ) violates 607 ( b ). \nXXXX. Missing Date of Last Activity violates 605 ( a ) ( 4 ). \nXXXX. Reporting a charge-off with an active balance violates 623 ( a ) ( 2 ). \nXXXX. Unresolved reinvestigation beyond XXXX days violates 611 ( a ) ( XXXX ). \nXXXX. Missing creditor details violates 609 ( a ) ( 1 ).","date_sent_to_company":"2024-12-18T21:35:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90045","tags":null,"has_narrative":true,"complaint_id":"11197918","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-18T21:26:53.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Charge-Off Status with Active <em>Balance</em> Issue : The account is marked as CHARGE-OFF, yet a <em>balance</em> of {$1300.00} is still being reported. \nCharge-offs indicate that the debt is no longer being actively collected by the original creditor. If the account has been sold or paid off, the <em>balance</em> must be <em>updated</em>. \nFCRA Violation : 623 ( a ) ( 2 ) Furnishers of credit information are required to <em>update</em> or correct inaccurate or incomplete data."]},"sort":[20.254427,"11197918"]},{"_index":"complaint-public-v1","_id":"17936236","_score":19.278019,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against CONSERVE / XXXX  XXXX XXXX / XXXX for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. \n\nI have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable. The reporting of this account is legally flawed for the following reasons : FRAGMENTED AND INCONSISTENT DATA : The reporting of this account varies significantly across the XXXX major credit bureaus. Specifically, the \" Date Opened '' is reported inconsistently, with XXXX bureau displaying XXXX different opening dates for the same account number. It is factually impossible for a single account to have multiple origination dates. This proves the data is corrupted and unreliable. \n\nXXXX XXXX : XXXX bureau has failed to update the status of this account since XXXX, while others show different activity. A creditor is required to report accurate, up-to-date information. Reporting a \" XXXX  '' derogatory status based on data that has not been updated in over a year is misleading and violates the accuracy standards of the FCRA. \n\nMISSING XXXX XXXX COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX standards ) are left blank or reported as \" unknown '' across the bureaus. \n\nI have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( dates, activity, status ), the account is legally unverifiable.","date_sent_to_company":"2025-11-29T08:59:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38053","tags":"Servicemember","has_narrative":true,"complaint_id":"17936236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Services Group, Inc. d/b/a ConServe","date_received":"2025-11-29T08:48:49.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>MISSING</em> XXXX XXXX COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX standards ) are left <em>blank</em> or reported as \" unknown '' across the bureaus. \n\nI have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( <em>dates</em>, activity, status ), the account is legally unverifiable."]},"sort":[19.278019,"17936236"]},{"_index":"complaint-public-v1","_id":"17592538","_score":19.278019,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against XXXX  / EQUIFAX , INC. / XXXX for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. \n\nI have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable. The reporting of this account is legally flawed for the following reasons : FRAGMENTED AND INCONSISTENT DATA : The reporting of this account varies significantly across the XXXX major credit bureaus. Specifically, the \" Date Opened '' is reported inconsistently, with one bureau displaying XXXX different opening dates for the same account number. It is factually impossible for a single account to have multiple origination dates. This proves the data is corrupted and unreliable.\n\nSTALE/OBSOLETE REPORTING : One bureau has failed to update the status of this account since XXXX, while others show different activity. A creditor is required to report accurate, up-to-date information. Reporting a \" current '' derogatory status based on data that has not been updated in over a year is misleading and violates the accuracy standards of the FCRA. \n\nMISSING METRO 2 COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the Consumer Data Industry Association 's Metro 2 standards ) are left blank or reported as \" unknown '' across the bureaus.\n\nI have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( dates, activity, status ), the account is legally unverifiable.","date_sent_to_company":"2025-11-29T08:59:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38053","tags":"Servicemember","has_narrative":true,"complaint_id":"17592538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-29T08:59:11.000Z","state":"TN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Reporting a \" current '' derogatory status based on data that has not been <em>updated</em> in over a year is misleading and violates the accuracy standards of the FCRA. \n\n<em>MISSING</em> METRO 2 COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the Consumer Data Industry Association 's Metro 2 standards ) are left <em>blank</em> or reported as \" unknown '' across the bureaus.\n\nI have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information."]},"sort":[19.278019,"17592538"]},{"_index":"complaint-public-v1","_id":"17592537","_score":19.278019,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX TRANSUION for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. \n\nI have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable. The reporting of this account is legally flawed for the following reasons : FRAGMENTED AND INCONSISTENT DATA : The reporting of this account varies significantly across the XXXX major credit bureaus. Specifically, the \" Date Opened '' is reported inconsistently, with XXXX bureau displaying XXXX different opening dates for the same account number. It is factually impossible for a single account to have multiple origination dates. This proves the data is corrupted and unreliable.\n\nSTALE/OBSOLETE REPORTING : One bureau has failed to update the status of this account since XXXX, while others show different activity. A creditor is required to report accurate, up-to-date information. Reporting a \" current '' derogatory status based on data that has not been updated in over a year is misleading and violates the accuracy standards of the FCRA. \n\nMISSING METRO 2 COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the Consumer Data Industry Association 's Metro 2 standards ) are left blank or reported as \" unknown '' across the bureaus.\n\nI have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( dates, activity, status ), the account is legally unverifiable.","date_sent_to_company":"2025-11-29T08:59:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38053","tags":"Servicemember","has_narrative":true,"complaint_id":"17592537","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-29T08:59:11.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Reporting a \" current '' derogatory status based on data that has not been <em>updated</em> in over a year is misleading and violates the accuracy standards of the FCRA. \n\n<em>MISSING</em> METRO 2 COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the Consumer Data Industry Association 's Metro 2 standards ) are left <em>blank</em> or reported as \" unknown '' across the bureaus.\n\nI have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information."]},"sort":[19.278019,"17592537"]},{"_index":"complaint-public-v1","_id":"17593127","_score":18.702553,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against XXXX  / EXPERIAN for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. \n\nI have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable. The reporting of this account is legally flawed for the following reasons : FRAGMENTED AND INCONSISTENT DATA : The reporting of this account varies significantly across the XXXX major credit bureaus. Specifically, the \" Date Opened '' is reported inconsistently, with one bureau displaying two different opening dates for the same account number. It is factually impossible for a single account to have multiple origination dates. This proves the data is corrupted and unreliable.\n\nSTALE/OBSOLETE REPORTING : One bureau has failed to update the status of this account since XXXX, while others show different activity. A creditor is required to report accurate, up-to-date information. Reporting a \" current '' derogatory status based on data that has not been updated in over a year is misleading and violates the accuracy standards of the FCRA.\n\nMISSING METRO 2 COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the Consumer Data Industry Association 's Metro 2 standards ) are left blank or reported as \" unknown '' across the bureaus.\n\nI have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( dates, activity, status ), the account is legally unverifiable.\n\nRESOLUTION SOUGHT : In accordance with the FCRA, if information can not be verified with accuracy, it must be deleted. I am requesting the immediate deletion of this trade line from my credit report. Do not merely \" update '' the account ; the historical inconsistency proves the data source is flawed.","date_sent_to_company":"2025-11-29T09:03:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38053","tags":"Servicemember","has_narrative":true,"complaint_id":"17593127","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-29T09:00:28.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>MISSING</em> METRO 2 COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the Consumer Data Industry Association 's Metro 2 standards ) are left <em>blank</em> or reported as \" unknown '' across the bureaus.\n\nI have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information."]},"sort":[18.702553,"17593127"]},{"_index":"complaint-public-v1","_id":"13390875","_score":18.700804,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* Subject : Formal Dispute and Request for Removal of Inaccurate Collection Account ( Account # XXXXXXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally dispute the validity of the collection account listed under my name ( Account # XXXX ) and request its immediate removal from my credit report. The account, reported by your agency, violates Metro 2 Credit Reporting Standards and the Fair Credit Reporting Act ( FCRA ) due to multiple inaccuracies and procedural errors. Below are the discrepancies identified : 1. * * Future Dates * * : - The \" Date Opened '' ( XX/XX/year> ), \" Status Updated '' ( XX/XX/year> ), and \" Balance Updated '' ( XX/XX/year> ) are all future dates. Reporting hypothetical or projected dates is prohibited under Metro 2 guidelines. \n\n2. * * Premature Collection Reporting * * : - The account is labeled as a \" Collection account '' in XX/XX/year> but claims a delinquency in XXXX 2025. This timeline is illogical, as collections can not precede the delinquency date. \n\n3. * * Missing Payment History * * : - No payment history or collection activity ( e.g., \" Placed for collection '' ) is provided, violating Metro 2 requirements for transparency.\n\n4. * * Incomplete/Inaccurate Fields * * : - \" Highest Balance, '' \" Recent Payment, '' and \" Monthly Payment '' fields are blank or improperly marked.\n\n- The \" On Record Until '' date ( XX/XX/year> ) does not align with the 7-year reporting period mandated for collections.\n\n5. * * Irrelevant Terms * * : - The \" Terms '' field ( 1 Month ) is irrelevant to a collection account and misleading. \n\nAdditionally, your agency is not the original creditor, and I have not received validation of this debt as required under the FDCPA. I demand proof of your legal authority to collect and report this account, including : - A copy of the original creditors agreement assigning this debt to your agency.\n\n- Documentation verifying the debts amount and my liability.\n\n* * Request for Action * * : - Immediately delete this account from all credit bureaus to which you reported it.\n\n- Provide written confirmation of the deletion within 30 days. \n\nIf you fail to respond or correct these inaccuracies, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators.\n\nIdentified Discrepancies by Metro 2 Standard 1. Account Number Reported Data : XXXX : Blank Experian : Partially masked ( XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  : Blank Discrepancy : The account number is not consistently reported across all bureaus. Experian provides a partially masked number, while XXXX and XXXX  leave it blank. \nMetro 2 Reference : Field 2 - Account Number Explanation : Metro 2 requires consistent reporting of account identifiers to ensure accurate tracking and matching of accounts across bureaus. The absence or inconsistency can lead to identification issues.\n\n2. Account Type Reported Data : XXXX : Not specified Experian : Collection Equifax : Collection Discrepancy : XXXX does not specify the account type, while Experian and XXXX  report it as Collection. \nMetro 2 Reference : Field 5 - Account Type Explanation : Metro 2 mandates uniform reporting of the account type across all bureaus. The omission on XXXX violates this requirement and may affect categorization and scoring.\n\n3. Bureau Code Reported Data : XXXX : Not specified Experian : Individual XXXX : Not specified Discrepancy : Experian reports Individual, while XXXX and XXXX leave this field blank. \nMetro 2 Reference : Field 4 - Consumer Information Indicator Explanation : This field should be consistently populated ( e.g., I for Individual ) across all bureaus per Metro 2 standards. The inconsistency could confuse the accounts ownership or type. \n4. Account Status Reported Data : XXXX : Not specified Experian : Derogatory XXXX : Not specified Discrepancy : Experian reports Derogatory, while TransUnion and XXXX do not provide a status. \nMetro 2 Reference : Field 13 - Payment Status Explanation : Metro 2 requires the current payment status to be reported consistently. Missing data on XXXX XXXX XXXX  misrepresents the accounts standing. \n5. Monthly Payment Reported Data : XXXX XXXX Not specified ( assumed dash based on context ) Experian : Dash ( - ) XXXX : Dash ( - ) Discrepancy : All bureaus report a dash ( - ) instead of {$0.00} for a collection account with no payment plan. \nMetro 2 Reference : Field 16 - Scheduled Monthly Payment Amount Explanation : Metro 2 specifies reporting {$0.00} for collection accounts with no scheduled payments, not a dash. This is a minor formatting issue but deviates from the standard. \n6. Date Opened Reported Data : XXXX : Not specified Experian : XX/XX/year> XXXX XXXX Not specified Discrepancy : Experian reports a future date ( XX/XX/year> ), illogical for a report dated XX/XX/year>, while XXXX XXXX XXXX leave it blank. \nMetro 2 Reference : Field 7 - Date of Account Information Explanation : Metro 2 requires a valid past or present date. A future date is invalid, and blank fields on TXXXX XXXX XXXX indicate incomplete reporting. \n7. Balance Reported Data : XXXX : Not specified Experian : {$790.00} XXXX : {$790.00} Discrepancy : XXXX does not report a balance, while Experian and XXXX report {$790.00}. \nMetro 2 Reference : Field 69- Current Balance Explanation : Metro 2 requires consistent balance reporting across all bureaus. The omission on XXXX could affect perceived debt load. \n8. No. of Months ( Terms ) Reported Data : XXXX  : Not specified ( assumed dash based on context ) Experian : Dash ( - XXXX XXXX XXXX Dash ( - ) Discrepancy : All bureaus report a dash ( - ) instead of 0 for a collection account with no terms.\n\nMetro 2 Reference : Field 18 - Terms Duration Explanation : Metro 2 recommends reporting 0 when terms are inapplicable, not a dash. This is a minor discrepancy but should align with the standard. \n9. High Credit Reported Data : XXXXXXXX XXXX  Not specified Experian : {$790.00} XXXX XXXX {$790.00} Discrepancy : XXXX lacks high credit data, while Experian and XXXX report {$790.00}. \nMetro 2 Reference : Field 66 - High Credit Explanation : Metro 2 requires this field to be populated ( typically the highest balance or original amount ). Missing data on XXXX could impact credit utilization calculations.\n\n10. Past Due Reported Data : XXXX : Not specified ( assumed dash based on context ) Experian : Dash ( - ) XXXX XXXX Dash ( - ) Discrepancy : All bureaus report a dash ( - ) instead of {$0.00} for the past due amount.\n\nMetro 2 Reference : Field 65 - Amount Past Due Explanation : Metro 2 requires reporting the past due amount or {$0.00} if none, not a dash. This is a minor formatting issue. \n11. Payment Status Reported Data : XXXX XXXX Not specified Experian : Collection/Chargeoff XXXX XXXX Not specified Discrepancy : Experian reports Collection/Chargeoff, while XXXX XXXX XXXX leave this blank XXXX \nMetro 2 Reference : Field 13 - Payment Status Explanation : Metro 2 mandates consistent payment status reporting. The omission on XXXX  and XXXX  could confuse the accounts delinquency status. \n12. Last Reported Reported Data : XXXXn : Not specified Experian : XX/XX/year>XXXX XXXX XXXX Not specified Discrepancy : Experian reports a future date ( XX/XX/year> ), inconsistent with the report date, while TransUnion and XXXX  leave it blank. \nMetro 2 Reference : Field 9 - Date of Last Activity Explanation : Metro 2 requires a valid past or present date. A future date is invalid, and blank fields indicate incomplete reporting. \n13. Comments Reported Data : XXXX  : Not specified Experian : Customer disputed account - reported by subscriber XXXX  : Not specified Discrepancy : Experian includes a dispute comment, while XXXX XXXX XXXX do not. \nMetro 2 Reference : Field 10 - Consumer Dispute Indicator Explanation : Metro 2 requires consistent reporting of dispute indicators. Missing information on XXXX XXXX XXXX could affect dispute resolution processes. \n14. Date Last Active Reported Data : XXXX XXXX Not specified Experian : XX/XX/year>XXXX XXXX : Not specified Discrepancy : Experian reports a future date ( XX/XX/year> ), illogical for the report date, while XXXX XXXX XXXX  leave it blank. \nMetro 2 Reference : Field 9 - Date of Last Activity Explanation : Metro 2 requires a valid date. A future date is invalid, and blank fields indicate incomplete data. \n15. Two-Year Payment History Reported Data : XXXX XXXX XXXX for all months Experian : Blank XXXX  : Blank Discrepancy : TransUnion reports XXXX consistently across all months ( likely an error ), while Experian and XXXX report blank. \nMetro 2 Reference : Field 14 - Payment History Profile Explanation : Metro 2 requires accurate payment history or a clear indication of no activity ( e.g., B for blank ). The 25 entries are likely erroneous and do not align with standard codes, while blank fields on Experian and XXXX are consistent with no history but should align with XXXX intent. \n\nSummary Table of Discrepancies","date_sent_to_company":"2025-05-07T12:00:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"13390875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-07T10:43:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":[". * * Future <em>Dates</em> * * : - The \" Date Opened '' ( XX/XX/year> ), \" Status <em>Updated</em> '' ( XX/XX/year> ), and \" <em>Balance</em> <em>Updated</em> '' ( XX/XX/year> ) are all future <em>dates</em>. Reporting hypothetical or projected <em>dates</em> is prohibited under Metro 2 guidelines. \n\n2. * * Premature Collection Reporting * * : - The account is labeled as a \" Collection account '' in XX/XX/year> but claims a delinquency in XXXX 2025."]},"sort":[18.700804,"13390875"]},{"_index":"complaint-public-v1","_id":"17582037","_score":18.346365,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute multiple items appearing on my TransUnion file. This is a formal request for reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and for correction/deletion based on violations of 1681e ( b ) maximum possible accuracy, as well as Metro 2 reporting standards.\n\nBelow are the accounts that are incomplete, inaccurate, and require deletion. \nXXXX. Department of Education / XXXX  All XXXX Accounts Account numbers ending in : 2010 XXXX XXXX XXXX XXXX Issues across all XXXX loans include : Reporting 120150 day late despite inconsistent dates across bureaus Reporting past-due balances that do not match Experian or Equifax Inconsistent XXXX Last Payment values Reporting delinquencies during periods where no supporting documentation was provided Violates FCRA 1681e ( b ) ( accuracy ) Violates Metro 2 Student Loan Reporting Guidelines Incomplete monthly history ( missing/blank months ) These inaccuracies prevent the data from meeting FCRAs accuracy standards. I request deletion of all XXXX tradelines. \nXXXX. XXXX XXXX Account # XXXX ( Closed ) Inaccuracies : Reporting XXXX late inconsistently across bureaus Past-due amount showing on a closed account, which is not a valid status Conflicting Date Last Active versus Date Updated fields Fails 1681e ( b ) compliance Incomplete data formatting under Metro 2 Request : Delete this account. \nXXXX. XXXX XXXX Account # XXXX ( Closed ) Inaccuracies : Reports 30-day late inconsistently vs XXXX/XXXX  Balance reported even though account is marked closed by credit grantor Conflicting dispute comments across bureaus Missing/incomplete payment fields Violates 1681e ( b ) and Metro 2 accuracy rules","date_sent_to_company":"2025-11-28T14:11:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95035","tags":null,"has_narrative":true,"complaint_id":"17582037","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-28T14:08:32.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["monthly history ( <em>missing</em>/<em>blank</em> months ) These inaccuracies prevent the data from meeting FCRAs accuracy standards."]},"sort":[18.346365,"17582037"]},{"_index":"complaint-public-v1","_id":"15399702","_score":18.248493,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I downloaded my Experian report and noticed multiple inaccuracies. Several accounts that were clearly closed were reported as open, with blank fields for {$0.00} balances, last payment dates, and other required information. For example, my XXXX XXXX XXXX XXXX term, lease terminated ) was reported as an open trade line, despite the lease term showing 36 months and the credit report showing a fully terminated account. This documentation clearly indicates that the account is closed. Other closed accounts were left with missing or incomplete fields, unlike XXXX XXXX, which was updated fully and consistently. \n\nI disputed these issues with Experian multiple times, including providing highlighted statements and calling in. During one call, an Experian representative misread my credit card statement and insisted the account might still be open, even after verbally reading aloud this account is closed. Despite my clear evidence, Experian told me they could only rely on the furnishers word, not consumer-submitted documentation. This is not only unreasonable but a violation of my consumer rights. \n\nXXXX example is XXXX XXXX. Despite my statements clearly showing the account closed, Experian sided with the furnisher multiple times and verified the account as accurate. Later, XXXX XXXX themselves admitted inconsistencies sending me closure letters with wrong dates, a recalled {$0.00} balance letter, and contradictory statements. Yet Experian continued to report the account as open until my CFPB complaint forced action by XXXX XXXX XXXX. \n\nEven after Experians XX/XX/year> update, my reports remain inconsistent. The language they add, such as consumer disagrees makes it appear that Im objecting without merit, when in fact I simply want accurate reporting. I never said I disagreed ; I asked for accuracy. This phrasing is intentionally negative and misleading. \n\nOverall, Experians investigations did not fix errors, they ignored my documentation, they relied exclusively on furnishers with known inaccuracies, and they introduced further harm by mislabeling dispute results. This is a clear pattern of negligence, retaliation, and willful non-compliance with the FCRA.","date_sent_to_company":"2025-08-21T00:54:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"15399702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-21T00:18:34.000Z","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":["Several accounts that were clearly closed were reported as open, with <em>blank</em> fields for {$0.00} <em>balances</em>, last payment <em>dates</em>, and other required information. For example, my XXXX XXXX XXXX XXXX term, lease terminated ) was reported as an open trade line, despite the lease term showing 36 months and the credit report showing a fully terminated account. This documentation clearly indicates that the account is closed."]},"sort":[18.248493,"15399702"]},{"_index":"complaint-public-v1","_id":"17840420","_score":17.821676,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SECTION 1 : HIGH-IMPACT ERRORS & DISPUTES ( Most Important ) 1. Cap One Auto ( Closed ) Reported as Repossession ( Account # XXXX ) Potential Errors : Reported simply as Repossession even though you stated it was a voluntary repossession, communicated by phone. \n\nNo payment history displayed ( shows blank ), even though payments occurred. \n\nPast due amount of {$460.00} is not clearly supported. \n\nUnknown payment history incomplete reporting.\n\nReporting may violate accuracy requirements if lender can not verify dates, past dues, and the involuntary vs voluntary status.\n\nWhy this is dispute-eligible : FCRA 1681e ( b ) : Information must be reported with maximum possible accuracy.\n\nMaryland MCDCA 14-202 ( 3 ) : Can not disclose credit information known to be false or misleading.\n\nMaryland MCPA 13-301 : Misrepresenting the nature of a debt is a deceptive practice.\n\nMissing payment history = incomplete = inaccurate.\n\nThis is your largest negative item and should be the first dispute. \n\nSECTION 2 : REVOLVING ACCOUNTS WITH ERRORS 2. XXXX Credit Card Reported as 60 Days Past Due ( Account # XXXX ) Potential Errors : Account opened XX/XX/XXXX Reports 30-day late entries in XXXX, XXXX, and XXXX, yet the last payment date is XX/XX/XXXX timeline is questionable. \n\n60 days past due status may not match reported late pattern. \n\nCredit usage reported at 149 %, yet balance is {$440.00} on a {$300.00} limit should be 149 %, but accuracy depends on dates. \n\nWhy dispute-eligible : Late payments must be verifiable, not estimated. \n\nIf the creditor can not show the exact due date + posting date the lates must be removed.\n\nFCRA 1681i : unverifiable = must be deleted.\n\nSECTION 3 : CHARGEOFFS WITH POTENTIAL REPORTING ISSUES 3. Capital One ( Closed Charged Off ) Account # XXXX Potential Errors : No payment history displayed missing data. \n\nCanceled by credit grantor + Charged off as bad debt is double reporting of a derogatory status. \n\nLast payment date : XX/XX/XXXX unusually recent relative to charge-off date. \n\nWhy dispute-eligible : Incomplete payment history = inaccurate. \n\nDuplicate derogatory descriptors violate FCRA accuracy requirements. \n\nXXXX. XXXX ( Closed Charged Off ) Account # CLXXXX Potential Errors : No payment history displayed.\n\nCreditor reports Profit & loss writeoff but balance is only {$65.00}. \n\nLast payment XX/XX/XXXX, charge-off XX/XX/XXXX timeline often inaccurate. \n\nDispute grounds : Missing payment history = incomplete = inaccurate. \n\nSmall-dollar charge-offs must be verified ; often they can not be validated.\n\nSECTION 4 : COLLECTION ACCOUNTS TO CHALLENGE 5. XXXX XXXX XXXX XXXX {$480.00} Potential Errors : XXXX routinely fails to validate debts. \n\nNo proof provided that account belongs to you. \n\nNo service dates, contract dates, or proof of responsibility.\n\nCollection balance not showing itemized fees.\n\nWhy dispute-eligible : FCRA & FDCPA require validation upon request. \n\nMissing contract = must be deleted if disputed. \n\nXXXX. XXXX XXXX # XXXX {$450.00} ( XXXX XXXX ) XXXX. XXXX XXXX  # XXXX {$650.00} ( XXXX  XXXX ) Potential Errors for Both : XXXX rarely provides supporting documentation. \n\nNo payment history. \n\nNo proof you agreed to assignment of debt. \n\nNo itemization of interest or fees.\n\nBalance may be inflated.\n\nDispute grounds : Incomplete and unverifiable information.\n\nFCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits reporting unverifiable data.\n\nMaryland MCDCA prohibits collection on a debt that is invalid or unverified.\n\nSECTION 5 : OLD NEGATIVE ITEMS 8. XXXX  120 Days Late Opened XXXX Potential Errors : Reports as 120 days past due, but balance is {$0.00} and no payment history is present. \n\nStatus updated XX/XX/XXXX more than XXXX XXXX XXXX. \n\nXXXX be outside the XXXX reporting window for late payments ( depends on exact DOFD ). \n\nWhy dispute-eligible : Incomplete inaccurate. \n\nIf DOFD ( Date of First Delinquency ) is before XX/XX/XXXX, it must be removed under FCRA 7-year rule.\n\nSECTION 6 : OPEN AUTO LOAN WITH POSSIBLE INCONSISTENCY 9. Cap One Auto ( Open ) Account # XXXX This account looks positive, but there is a potential inconsistency : Potential Error : Payment history displays partial or missing months. \n\nExceptional payment history but missing first 23 months ( data unavailable ).\n\nWhy this matters : Missing data reduces your score and may be counted as \" insufficient history. '' Dispute grounds : Incomplete reporting violates FCRA accuracy rules. \n\nLender must report complete history or update it.","date_sent_to_company":"2025-12-08T19:20:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21060","tags":null,"has_narrative":true,"complaint_id":"17840420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-08T19:20:13.000Z","state":"MD","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["No service <em>dates</em>, contract <em>dates</em>, or proof of responsibility.\n\nCollection <em>balance</em> not showing itemized fees.\n\nWhy dispute-eligible : FCRA & FDCPA require validation upon request. \n\n<em>Missing</em> contract = must be deleted if disputed. \n\nXXXX. XXXX XXXX # XXXX {$450.00} ( XXXX XXXX ) XXXX. XXXX XXXX  # XXXX {$650.00} ( XXXX  XXXX ) Potential Errors for Both : XXXX rarely provides supporting documentation. \n\nNo payment history. \n\nNo proof you agreed to assignment of debt."]},"sort":[17.821676,"17840420"]},{"_index":"complaint-public-v1","_id":"10806054","_score":17.17146,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Here are some inaccuracies and incomplete data points in the provided report : XXXX. Date Discrepancies : Date Opened has two different entries : XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). This inconsistency may affect the accuracy of the report. \nDate Last Active and Last Reported both show XX/XX/XXXX and XX/XX/XXXX. Its unclear which date should be the final reporting date. \nXXXX. Account Status and Payment Status : The Account Status is listed as Derogatory without specifics on the nature of the derogatory status ( such as collection or charge-off ).\n\nPayment Status is inconsistent, showing Collection/Chargeoff in one place and Collection in another.\n\nClarifying this would help with consistency.\n\n3. Consumer Statement and Comments : The consumer statement, I HAVE NO KNOWLEDGE OF THIS ACCOUNT, conflicts with the comment Account information disputed by consumer, meets FCRA requirements. It might benefit from clarity on whether the dispute was resolved or remains open.\n\n4. Credit Limit and Past Due : Credit Limit and Past Due are blank or set as -, which might be incomplete. Typically, past due amounts or balances are specified, especially for derogatory accounts.\n\n5. Two-Year Payment History : The payment history doesnt indicate any specific delinquency markers ( e.g., CO for charge-off ) that should match the derogatory status. Including more detail would give a clearer picture of missed payments or other issues.\n\n6. Inconsistent Account Information Across Bureaus : The account type and account status may vary between bureaus, which can lead to confusion and inaccuracies in reporting.\n\n7. Legal References ( FCRA 15USC 1681| ( 5 ) ( A ) ) : Its unclear why this legal reference is included without context. It may indicate a consumer dispute or a compliance check, but further clarification would help.\n\nTo improve accuracy, these areas could benefit from review and standardization.\n\nBased on the information provided, here are potential Fair Credit Reporting Act ( FCRA ) violations, as well as incomplete and inaccurate data points : Potential FCRA Violations 1. Inconsistent Reporting Dates Across Bureaus : The Date Opened differs across bureaus, listed as XXXXXX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). The FCRA requires accurate and consistent reporting of account information, so this discrepancy could violate FCRA accuracy requirements. \nXXXX. Inconsistent Last Reported and Date Last Active : The Last Reported date is listed as XX/XX/XXXX in some parts and XX/XX/XXXX elsewhere. The FCRA requires that the information reported to credit bureaus is updated accurately and uniformly across agencies.\n\n3. Missing Monthly Payment Information : The Monthly Payment field is blank, which may violate FCRA completeness requirements if this information is relevant to the account status.\n\n4. Consumer Statement vs. Comments : The consumers statement, I HAVE NO KNOWLEDGE OF THIS ACCOUNT, conflicts with the comment Account information disputed by consumer, meets FCRA requirements. If the dispute is unresolved or inaccurately represented as resolved, this could violate FCRAs requirement for the accurate reflection of disputed information.\n\nIncomplete or Inaccurate Data Points 1. Blank Credit Limit and Past Due Fields : Both the Credit Limit and Past Due fields are blank, which may be incomplete data if these fields are expected for a collection account. \nXXXX. Account Type Consistency : Although both XXXX and XXXX list the account type as Collection, XXXX type is unspecified here. Consistency across bureaus would improve clarity and accuracy in reporting. \nXXXX. Two-Year Payment History Missing Delinquency Markers : The two-year payment history shows no delinquency indicators ( such as CO for charge-off ) to match the derogatory status. Including specific delinquency markers for months in which payments were missed or the account was in collections would make the history more accurate. \nXXXX. Date of Last Payment Missing for XXXX : The Date of Last Payment field is empty or missing for XXXX, which could be important data for verifying the most recent payment history. \nAdditional Observations Ambiguous Status with Collection/Chargeoff Designation : The accounts status is listed as Collection/Chargeoff and Derogatory, but the exact nature of this designation could be clarified. Clear differentiation between a collection and a charge- off status helps ensure accurate reporting. \nAddressing these inaccuracies and inconsistencies would enhance the reports clarity, accuracy, and compliance with the FCRA.","date_sent_to_company":"2024-11-15T02:42:19.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"10806054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2024-11-15T01:43:56.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem when attempting to purchase vehicle at the end of the lease"},"highlight":{"complaint_what_happened":["The FCRA requires that the information reported to credit bureaus is <em>updated</em> accurately and uniformly across agencies.\n\n3. <em>Missing</em> Monthly Payment Information : The Monthly Payment field is <em>blank</em>, which may violate FCRA completeness requirements if this information is relevant to the account status.\n\n4. Consumer Statement vs. Comments : The consumers statement, I HAVE NO KNOWLEDGE OF THIS ACCOUNT, conflicts with the comment Account information disputed by consumer, meets FCRA requirements."]},"sort":[17.17146,"10806054"]},{"_index":"complaint-public-v1","_id":"15931519","_score":17.071306,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint under the Fair Credit Reporting Act because the following accounts are being reported on my Experian and Equifax credit reports with material inaccuracies, internal contradictions, and incomplete/unverifiable information. I request that the CFPB direct the credit reporting agencies to delete these items from my credit reports. \n\nBelow are the accounts and the specific inaccuracies : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date opened : XX/XX/XXXX. Reported status : Foreclosed ( listed Foreclosure as of XX/XX/XXXX ). \n\nPayment history and status fields are internally inconsistent and chronologically impossible ( for example the payment-history block shows 180 days past due as of XX/XX/XXXX to XX/XX/XXXX, and separate entries list XXXX day delinquencies in an order that does not make chronological sense ). \n\nReport shows no current balance ( listed as - ) while also listing an original balance of {$17000.00} these fields conflict and prevent meaningful verification. \n\nBecause the reporting contains contradictory dates/statuses and missing balance details, the information is not reliable or verifiable. I request deletion unless the furnisher can provide clear, consistent, and dated documentation proving the accuracy of every disputed data element. \n\nXXXX XXXX SVCS Account # : XXXX Date opened reported as XX/XX/XXXX. XXXX reported {$3700.00} ( balance updated XX/XX/XXXX ). Status updated shows XX/XX/XXXX in one field while payment-history indicates collection activity spanning XXXX XXXX. \n\nReporting lists multiple overlapping collection markers ( e.g., Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX ) that conflict with the purported date opened and with each other. \n\nThese inconsistent dates and status updates make the debt unverifiable. Please require the furnisher to produce original account documentation ( signed contract, charge-off/assignment documentation ) showing date of default, original creditor, chain of assignment, and accurate balance. If the furnisher can not produce clear documentation that reconciles these contradictions, delete this collection entry from my files. \n\nXXXX XXXX XXXX  / Installment Account # : XXXX ( closed ) Date opened : XX/XX/XXXX. Report shows the account is closed but contains contradictory fields : Paid off - ( dash ) yet a XXXX of {$9300.00} updated XX/XX/XXXX ; XXXX balance - ( blank ) ; and a payment-history summary that repeats CO across many months ( unclear/ambiguous ). The record also indicates XXXX potentially negative months, which conflicts with the closed/paid indicators. \n\nThe account lacks clear, consistent balance information and supporting documentation. Because the report contains mutually inconsistent status and balance data, it is not accurate or verifiable. I request deletion of this account from my credit report Included is proof directly from my credit report along with my Driver license for verification","date_sent_to_company":"2025-09-14T14:18:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"15931519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-14T14:17:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Report shows no current <em>balance</em> ( listed as - ) while also listing an original <em>balance</em> of {$17000.00} these fields conflict and prevent meaningful verification. \n\nBecause the reporting contains contradictory <em>dates</em>/statuses and <em>missing</em> <em>balance</em> details, the information is not reliable or verifiable. I request deletion unless the furnisher can provide clear, consistent, and dated documentation proving the accuracy of every disputed data element."]},"sort":[17.071306,"15931519"]},{"_index":"complaint-public-v1","_id":"15931653","_score":17.058138,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint under the Fair Credit Reporting Act because the following accounts are being reported on my Experian and Equifax credit reports with material inaccuracies, internal contradictions, and incomplete/unverifiable information. I request that the CFPB direct the credit reporting agencies to delete these items from my credit reports. \n\nBelow are the accounts and the specific inaccuracies : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date opened : XX/XX/XXXX. Reported status : Foreclosed ( listed Foreclosure as of XX/XX/XXXX ). \n\nPayment history and status fields are internally inconsistent and chronologically impossible ( for example the payment-history block shows 180 days past due as of XX/XX/XXXX to XX/XX/XXXX, and separate entries list XXXX day delinquencies in an order that does not make chronological sense ). \n\nReport shows no current balance ( listed as - ) while also listing an original balance of {$17000.00} these fields conflict and prevent meaningful verification. \n\nBecause the reporting contains contradictory dates/statuses and missing balance details, the information is not reliable or verifiable. I request deletion unless the furnisher can provide clear, consistent, and dated documentation proving the accuracy of every disputed data element. \n\nXXXX XXXX SVCS Account # : XXXX Date opened reported as XX/XX/XXXX. XXXX reported {$3700.00} ( balance updated XX/XX/XXXX ). Status updated shows XX/XX/XXXX in one field while payment-history indicates collection activity spanning XXXX XXXX. \n\nReporting lists multiple overlapping collection markers ( e.g., Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX ) that conflict with the purported date opened and with each other. \n\nThese inconsistent dates and status updates make the debt unverifiable. Please require the furnisher to produce original account documentation ( signed contract, charge-off/assignment documentation ) showing date of default, original creditor, chain of assignment, and accurate balance. If the furnisher can not produce clear documentation that reconciles these contradictions, delete this collection entry from my files. \n\nXXXX XXXX XXXX  / Installment Account # : XXXX ( closed ) Date opened : XX/XX/XXXX. Report shows the account is closed but contains contradictory fields : Paid off - ( dash ) yet a XXXX of {$9300.00} updated XX/XX/XXXX ; XXXX balance - ( blank ) ; and a payment-history summary that repeats CO across many months ( unclear/ambiguous ). The record also indicates XXXX potentially negative months, which conflicts with the closed/paid indicators. \n\nThe account lacks clear, consistent balance information and supporting documentation. Because the report contains mutually inconsistent status and balance data, it is not accurate or verifiable. I request deletion of this account from my credit report Included is proof directly from my credit report along with my Driver license for verification","date_sent_to_company":"2025-09-14T14:18:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"15931653","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-14T13:52:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Report shows no current <em>balance</em> ( listed as - ) while also listing an original <em>balance</em> of {$17000.00} these fields conflict and prevent meaningful verification. \n\nBecause the reporting contains contradictory <em>dates</em>/statuses and <em>missing</em> <em>balance</em> details, the information is not reliable or verifiable. I request deletion unless the furnisher can provide clear, consistent, and dated documentation proving the accuracy of every disputed data element."]},"sort":[17.058138,"15931653"]},{"_index":"complaint-public-v1","_id":"15628584","_score":16.826601,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Phone : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate/Unverifiable Collections Request for Deletion or Correction ( FCRA 607 ( b ), 611 ; Metro 2 ) To Whom It May Concern, I am disputing the following Equifax-reported collection accounts as inaccurate, incomplete, and/or unverifiable. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, you must conduct a reasonable reinvestigation and delete any item that can not be verified with original-source documentation within 30 days. Please also ensure Metro 2 compliance ( accurate DOFD, status, and dispute coding/XB ). Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Status : Unpaid | Comments : MEDICAL Factual : No Date of First Delinquency ( DOFD ) shown ; balance and dates unverified ; medical provider name disclosed. Law : FCRA 607 ( b ), 611. ( For furnisher ) FDCPA 809. HIPAA privacy concerns for medical disclosure. Metro 2 : Missing DOFD ( Field 25 ) ; improper/blank status ( Field 17 ) ; XXXX  dispute flag not applied. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Status : Unpaid | Comments : MEDICAL Factual : Duplicate/mirroring entry ; balance unverified ; provider disclosed. Law : FCRA 607 ( b ), 611. ( For furnisher ) FDCPA 809. HIPAA. Metro 2 : DOFD missing ; improper status coding ; no XXXX  dispute flag. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Status : Unpaid Factual : Balance/liability unverified ; DOFD missing ; assignment/ownership unproven. Law : FCRA 607 ( b ), 611. ( For furnisher ) FDCPA 809. Metro 2 : DOFD absent ; improper/blank coding ; XXXX  flag not present. Method of Verification ( MOV ) Request : If any item is verified, provide the MOV per FCRA 611 ( a ), including : ( 1 ) name, address, and phone for the furnisher ; ( 2 ) the individual who verified ; and ( 3 ) copies of the original contract, statements, payment records, and assignment/sale documents relied upon. Relief Requested : Delete any item you can not verify with original records, or correct it to full Metro 2 compliance. Apply the XXXX  dispute code during reinvestigation. Send me written results and an updated report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX ( copies only ) : Government ID ( front ) Proof of address ( utility bill ) Highlighted copy of my Equifax report showing the disputed items Any supporting documents","date_sent_to_company":"2025-08-31T14:24:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77091","tags":null,"has_narrative":true,"complaint_id":"15628584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-31T14:13:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Status : Unpaid Factual : <em>Balance</em>/liability unverified ; DOFD <em>missing</em> ; assignment/ownership unproven. Law : FCRA 607 ( b ), 611. ( For furnisher ) FDCPA 809. Metro 2 : DOFD absent ; improper/<em>blank</em> coding ; XXXX  flag not present."]},"sort":[16.826601,"15628584"]},{"_index":"complaint-public-v1","_id":"13352072","_score":16.108822,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* * Subject of Complaint : * * Inaccurate and non-compliant collection account reporting by XXXX XXXX XXXX * * Summary of Issue : * * I am submitting this complaint regarding the inaccurate and non-compliant reporting of a collection account by XXXX XXXX XXXX, originally for XXXX XXXX XXXX. The account number is XXXX, with a balance of {$530.00}, opened on XX/XX/year>. This account is being reported with conflicting and unverifiable information across Experian, Equifax, and XXXX contradictory status labels such as Open, Charge-Off, and Refinanced. The payment history is blank, dates of last activity are inconsistent, and the account violates multiple XXXX XXXX formatting standards. \n\nAdditionally, I have never received proper notice or contractual agreement authorizing XXXX XXXX XXXX to access or report my consumer report, which constitutes a lack of permissible purpose under : 15 U.S.C. 1681b No valid permissible purpose to access or report this information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a proper reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failed to update/correct disputed information 15 U.S.C. 1681c ( a ) Reporting outdated or obsolete adverse information XXXX XXXX Format ( 2024 ) Non-compliant status codes, blank payment history, conflicting data fields I have previously submitted disputes directly to the credit bureaus, and no correction or deletion has been made within the required time frame. Therefore, I respectfully request the CFPB to : Investigate XXXX XXXX XXXX for FCRA and XXXX XXXX violations. \n\nPermanently delete this account from all three credit bureaus. \n\nBlock XXXX XXXX XXXX from any future furnishing of information under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ).\n\nTake action for the unauthorized access/reporting under 15 U.S.C. 1681b.\n\nI am including a copy of my ID, proof of address, and a tri-merge credit report showing the violations. I reserve the right to pursue statutory and punitive damages under 15 U.S.C. 1681n and 1681o for continued noncompliance. \n\n- Creditor : XXXX XXXX XXXX ( for XXXX XXXX XXXX ) - Account Number : XXXX - Date Opened : XX/XX/year> - Balance : {$530.00} - Current Status : Reported inconsistently as Open, Charge-Off, and Refinanced - Missing or blank payment history field across all bureaus - * * Violations of Federal Law : * * - 15 U.S. Code 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information - 15 U.S. Code 1681i ( a ) : Failure to conduct a proper reinvestigation upon notice of dispute - 15 U.S. Code 1681s-2 ( b ) : Duty of furnishers to correct and update information after receiving a direct or indirect dispute - 15 U.S. Code 1681c ( a ) : Prohibition against obsolete or outdated adverse information - XXXX XXXX Format Compliance Manual ( XXXX  ) : Non-compliant use of status codes, account history, and field mismatches","date_sent_to_company":"2025-05-05T22:00:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"13352072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-05T21:59:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The account number is XXXX, with a <em>balance</em> of {$530.00}, opened on XX/XX/year>. This account is being reported with conflicting and unverifiable information across Experian, Equifax, and XXXX contradictory status labels such as Open, Charge-Off, and Refinanced. The payment history is <em>blank</em>, <em>dates</em> of last activity are inconsistent, and the account violates multiple XXXX XXXX formatting standards."]},"sort":[16.108822,"13352072"]},{"_index":"complaint-public-v1","_id":"13350005","_score":16.108822,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* * Subject of Complaint : * * Inaccurate and non-compliant collection account reporting by XXXX XXXX XXXX * * Summary of Issue : * * I am submitting this complaint regarding the inaccurate and non-compliant reporting of a collection account by XXXX XXXX XXXX, originally for XXXX XXXX XXXX. The account number is XXXX, with a balance of {$530.00}, opened on XX/XX/year>. This account is being reported with conflicting and unverifiable information across Experian, Equifax, and XXXX contradictory status labels such as Open, Charge-Off, and Refinanced. The payment history is blank, dates of last activity are inconsistent, and the account violates multiple XXXX XXXX formatting standards. \n\nAdditionally, I have never received proper notice or contractual agreement authorizing XXXX XXXX XXXX to access or report my consumer report, which constitutes a lack of permissible purpose under : 15 U.S.C. 1681b No valid permissible purpose to access or report this information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a proper reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failed to update/correct disputed information 15 U.S.C. 1681c ( a ) Reporting outdated or obsolete adverse information XXXX XXXX Format ( 2024 ) Non-compliant status codes, blank payment history, conflicting data fields I have previously submitted disputes directly to the credit bureaus, and no correction or deletion has been made within the required time frame. Therefore, I respectfully request the CFPB to : Investigate XXXX XXXX XXXX for FCRA and XXXX XXXX violations. \n\nPermanently delete this account from all three credit bureaus. \n\nBlock XXXX XXXX XXXX from any future furnishing of information under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ).\n\nTake action for the unauthorized access/reporting under 15 U.S.C. 1681b.\n\nI am including a copy of my ID, proof of address, and a tri-merge credit report showing the violations. I reserve the right to pursue statutory and punitive damages under 15 U.S.C. 1681n and 1681o for continued noncompliance. \n\n- Creditor : XXXX XXXX XXXX ( for XXXX XXXX XXXX ) - Account Number : XXXX - Date Opened : XX/XX/year> - Balance : {$530.00} - Current Status : Reported inconsistently as Open, Charge-Off, and Refinanced - Missing or blank payment history field across all bureaus - * * Violations of Federal Law : * * - 15 U.S. Code 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information - 15 U.S. Code 1681i ( a ) : Failure to conduct a proper reinvestigation upon notice of dispute - 15 U.S. Code 1681s-2 ( b ) : Duty of furnishers to correct and update information after receiving a direct or indirect dispute - 15 U.S. Code 1681c ( a ) : Prohibition against obsolete or outdated adverse information - XXXX XXXX Format Compliance Manual ( XXXX  ) : Non-compliant use of status codes, account history, and field mismatches","date_sent_to_company":"2025-05-05T22:00:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"13350005","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-05T21:59:44.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The account number is XXXX, with a <em>balance</em> of {$530.00}, opened on XX/XX/year>. This account is being reported with conflicting and unverifiable information across Experian, Equifax, and XXXX contradictory status labels such as Open, Charge-Off, and Refinanced. The payment history is <em>blank</em>, <em>dates</em> of last activity are inconsistent, and the account violates multiple XXXX XXXX formatting standards."]},"sort":[16.108822,"13350005"]},{"_index":"complaint-public-v1","_id":"13351126","_score":16.005257,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* * Subject of Complaint : * * Inaccurate and non-compliant collection account reporting by XXXX XXXX XXXX * * Summary of Issue : * * I am submitting this complaint regarding the inaccurate and non-compliant reporting of a collection account by XXXX XXXX XXXX, originally for XXXX XXXX XXXX. The account number is XXXX, with a balance of {$530.00}, opened on XX/XX/year>. This account is being reported with conflicting and unverifiable information across Experian, Equifax, and XXXX contradictory status labels such as Open, Charge-Off, and Refinanced. The payment history is blank, dates of last activity are inconsistent, and the account violates multiple XXXX XXXX formatting standards. \n\nAdditionally, I have never received proper notice or contractual agreement authorizing XXXX XXXX XXXX to access or report my consumer report, which constitutes a lack of permissible purpose under : 15 U.S.C. 1681b No valid permissible purpose to access or report this information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a proper reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failed to update/correct disputed information 15 U.S.C. 1681c ( a ) Reporting outdated or obsolete adverse information XXXX XXXX Format ( 2024 ) Non-compliant status codes, blank payment history, conflicting data fields I have previously submitted disputes directly to the credit bureaus, and no correction or deletion has been made within the required time frame. Therefore, I respectfully request the CFPB to : Investigate XXXX XXXX XXXX for FCRA and XXXX XXXX violations. \n\nPermanently delete this account from all three credit bureaus. \n\nBlock XXXX XXXX XXXX from any future furnishing of information under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ).\n\nTake action for the unauthorized access/reporting under 15 U.S.C. 1681b.\n\nI am including a copy of my ID, proof of address, and a tri-merge credit report showing the violations. I reserve the right to pursue statutory and punitive damages under 15 U.S.C. 1681n and 1681o for continued noncompliance. \n\n- Creditor : XXXX XXXX XXXX ( for XXXX XXXX XXXX ) - Account Number : XXXX - Date Opened : XX/XX/year> - Balance : {$530.00} - Current Status : Reported inconsistently as Open, Charge-Off, and Refinanced - Missing or blank payment history field across all bureaus - * * Violations of Federal Law : * * - 15 U.S. Code 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information - 15 U.S. Code 1681i ( a ) : Failure to conduct a proper reinvestigation upon notice of dispute - 15 U.S. Code 1681s-2 ( b ) : Duty of furnishers to correct and update information after receiving a direct or indirect dispute - 15 U.S. Code 1681c ( a ) : Prohibition against obsolete or outdated adverse information - XXXX XXXX Format Compliance Manual ( XXXX  ) : Non-compliant use of status codes, account history, and field mismatches","date_sent_to_company":"2025-05-05T22:00:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"13351126","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-05T21:24:36.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The account number is XXXX, with a <em>balance</em> of {$530.00}, opened on XX/XX/year>. This account is being reported with conflicting and unverifiable information across Experian, Equifax, and XXXX contradictory status labels such as Open, Charge-Off, and Refinanced. The payment history is <em>blank</em>, <em>dates</em> of last activity are inconsistent, and the account violates multiple XXXX XXXX formatting standards."]},"sort":[16.005257,"13351126"]},{"_index":"complaint-public-v1","_id":"12384383","_score":15.825413,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Experian for Violations of 15 U.S.C. 1681 ( FCRA ) and Negligence in Credit Reporting Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, due to their failure to report accurate credit information, refusal to correct disputed items within the required timeframe, and negligence in handling my credit file.\n\nSummary of Issues : Experian has failed to correct numerous inaccuracies despite my disputes, exceeding the 30-day limit outlined in the FCRA.\n\nMissing credit accounts : Four of my XXXX XXXX credit cards are missing from my report due to Experian wrongfully marking them as fraudulent applications. \nFraudulent statements : Experian falsely added a personal statement indicating I reported fraudulent applications, which I never did. \nIncorrect reporting : Multiple accounts contain wrong balances, last payment dates, status updates, duplicate entries, and improper dispute comments that I never made. \nSevere financial and emotional distress : The failure to correct these errors has caused damage to my credit score, wrongful account closures, missed financial opportunities, and unnecessary stress. \nLack of Response from Experian : Despite calling Experian numerous times and even reporting this to their Executive Office, they have ignored my concerns and stated that it does not matter what I say or send. I have not received a single phone call or proper response addressing my disputes. \nList of Errors : XXXX. XXXX Account Incorrect balance update, wrong open date, incorrect last payment date. \nXXXX XXXX XXXX for XXXX Paid in full, yet Experian reports incorrect information. \nXXXX. XXXX XXXX Missing balance, incorrect open date, last payment date, and balance update. \nXXXX. XXXX Incorrect comments about a lost/stolen card ; my account is now wrongfully closed. \nXXXX. XXXX ( Duplicate Listing ) Experian falsely marked it as disputed when I only disputed their reporting errors, not the card itself. \nXXXX. XXXXXXXX XXXX  XXXX I have disputed this since XXXX, yet Experian continues to report inaccurate information. \nXXXX. XXXX XXXX XXXX XXXX Incorrect payment history and inquiry dispute ignored. I refinanced my car in XX/XX/XXXX, but Experian has failed to update my records. \nXXXXXXXX XXXX XXXX XXXX XXXX Incorrect status, last payment date, and balance update. \nXXXX. XXXX XXXX XXXX Wrong balance, payment date, and false dispute comments. \nXXXX. XXXX XXXX Incorrect status update, balance, and last payment date. \nXXXX. XXXX ( XXXX ) Wrong balance, last payment, high balance, and status update. \nXXXX. XXXX XXXX Incorrect balance, last payment date, and high balance. \nXXXX. XXXX Incorrect status, last payment, and false dispute comments. \nXXXX. XXXX Blank file with false dispute comments that I never made. \nXXXX. XXXX XXXX XXXX XXXX Multiple accounts with incorrect balances, status updates, and payment history ( never missed a payment ). \nXXXX. XXXXXXXX XXXX XXXXXXXX Incorrect comments stating I disputed my student loan, which I never did. \nXXXX XXXX XXXX XXXX XXXX XXXX & XXXX ) False dispute comments, incorrect last payment date, and high balance. \nXXXXXXXX XXXX  XXXX ( XXXX & XXXX ) Incorrect last payment date and false dispute comments. \nXXXX XXXX XXXX  Incorrect status, balance update, and last payment date. \nXXXX. XXXX XXXXXXXX XXXX Incorrect balance, status, and payment updates. \nXXXX. XXXX XXXX balance and last payment update. \nXXXX. XXXX  XXXX ( XXXX ) False dispute comments and incorrect payment information. \nXXXX XXXX Incorrect balance and last payment date ; false dispute comments. \nXXXX. Personal Statement Experian falsely added a statement that I reported fraudulent applications, which I NEVER did. This needs to be removed immediately. \nXXXX. XXXX XXXX XXXX Accounts : XXXX negligence has led to XXXX ( XXXX ) of my XXXX XXXX credit cards being wrongfully removed and closed under false claims of fraudulent applications. I am still fighting to have these reinstated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Requested Resolution : I request the CFPB to investigate Experians failure to comply with the FCRA and take immediate corrective action, including : 1. Immediate corrections of all inaccuracies listed above in my credit report.\n\n2. Removal of all false dispute comments that I never made.\n\n3. Reinstatement of my four ( 4 ) XXXX XXXX credit cards that were wrongly closed due to Experians misreporting. \n4. Removal of the false personal statement about fraudulent applications.\n\n5. Compensation for financial damages and emotional distress caused by Experians negligence, time wasted, and harm to my financial reputation.\n\nExperians negligence has caused significant financial and personal distress for over a month, forcing me to miss work and spend excessive time trying to fix their mistakes. I urge the CFPB to hold Experian fully accountable for their non-compliance with federal consumer protection laws. \nPlease contact me at XXXX or XXXX for any additional information. I expect immediate action on this matter.","date_sent_to_company":"2025-03-08T13:03:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77379","tags":"Servicemember","has_narrative":true,"complaint_id":"12384383","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-08T12:54:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>Missing</em> credit accounts : Four of my XXXX XXXX credit cards are <em>missing</em> from my report due to Experian wrongfully marking them as fraudulent applications. \nFraudulent statements : Experian falsely added a personal statement indicating I reported fraudulent applications, which I never did. \nIncorrect reporting : Multiple accounts contain wrong <em>balances</em>, last payment <em>dates</em>, status <em>updates</em>, duplicate entries, and improper dispute comments that I never made."]},"sort":[15.825413,"12384383"]},{"_index":"complaint-public-v1","_id":"17288052","_score":15.758496,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this statement to explain in full detail what happened regarding the account currently being reported by Vance & Huffman LLC, referenced as account number XXXX, which appears on my XXXX and XXXX credit reports as a collection/charge-off with a balance of {$1400.00}. This explanation outlines the discrepancies, inaccuracies, missing documentation, unexplained dates, and procedural issues that make this account unverifiable and in need of full reinvestigation. It also describes why I believe the reporting is incomplete, unfairly damaging, and not compliant with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nTo begin, the information being reported across the credit bureaus is inconsistent and incomplete. According to the screenshot, Vance & Huffman LLC is only reporting to XXXX and XXXX, while Equifax shows nothing at all. The fact that a collection agency reports an account to XXXX or XXXX bureaus but not all three is often an indicator of incomplete data or internal inconsistencies in their records. Inconsistent reporting is XXXX of the signs that the information furnished may not be complete, verified, or accurate. \n\nThe information reported shows the account is marked as a collection/charge-off, with a current balance and high balance both listed as {$1400.00}. The account was opened on XX/XX/year>, according to XXXX, and is listed with a start date of XX/XX/year> on XXXX. This is already a significant discrepancy. An account can not have XXXX different opening/start dates across different bureaus and still meet the maximum possible accuracy requirement of FCRA XXXX ( b ). \n\nWhen XXXX bureau reports an opened date of XX/XX/XXXX and another reports a start date of XX/XX/XXXX, it raises concerns about whether the collector actually has accurate records. This inconsistency alone is enough to trigger a reinvestigation. \n\nAdditionally, both the Original Creditor and Creditor Type fields list the creditor as Unknown, which is a major red flag. A consumer can not be expected to validate or understand an account when the collection agency can not clearly identify the original creditor. If the original creditor is truly unknown, then Vance & Huffman should never have reported this information because credit-reporting requirements mandate that accounts must identify the original creditor and accurately reflect the full account history. \n\nUnder the FDCPA and FCRA, a collector must haveand be willing to providedocumentation showing what the debt is, where it came from, and how it was calculated. Reporting a debt from an unknown original creditor fails the basic validation requirement. \n\nFurthermore, the payment history for this account is not provided at all. Collections accounts often have minimal payment data, but even then, the reporting should include : Date of original delinquency Date of charge-off Date of last payment Itemized ledger Account history prior to collection However, the account shows no monthly payment history, no delinquency timeline, and no explanation of how the alleged debt progressed from an original creditor ( unknown ) to Vance & Huffman LLC XXXX Without this information, it is impossible for me to validate or confirm the legitimacy of this account. \n\nThe consumer dispute fields also state Account not disputed. This is not correct, as I am formally disputing the account now. Under FCRA 623 ( a ) ( 3 ), any time a consumer disputes an account with a credit bureau, the furnisher must report that the account is disputed. Failure to do so renders the reporting inaccurate. Failure to update the dispute status is not merely a clerical oversight ; it is a violation of the law and indicates the furnisher is not following proper procedures. \n\nNext, the status reported is Negative on XXXX and Closed / Collection/Charge-Off on XXXX. The closure date on TransUnion is listed as XXXX same date as the supposed date opened. This is nonsensical and raises the question of whether the account was ever legitimately opened or whether the collection agency simply inserted dates without having any verified data. \n\nThere is also a Last Activity date of XX/XX/year> on XXXX. Yet I have no record, knowledge, email, phone call, mailed notice, billing statement, or communication of any sort from Vance & Huffman LLC on that date or around that time. A date of last activity should be tied to a consumer action ( such as payment, communication, or account modification ). If the collection agency generated this date internally rather than based on any actual consumer action, then the recording of that date is misleading and inaccurate. \n\nAnother discrepancy exists in the status updates. The TransUnion entry shows : Start Date : XX/XX/year> Last Reported : XX/XX/year> The account can not be last reported before the start date. This inconsistency demonstrates that the account record being furnished is flawed and likely incomplete. \n\nAdditionally, the Date of Last Payment is blank. If the account has never had a payment, then the collection agency must provide the original delinquency date from the original creditor. Instead, that data is missing entirely. The Original Creditor is listed as Unknown, and the Account Type Detail is blank. This is incomplete and prevents the consumer from being able to validate the account. \n\nThe comments field in the consumer reporting system states Added in XXXX XX/XX/year>. This suggests the account was simply inserted into the credit reporting system without proper verification or validation. Many collection agencies use automated software that uploads accounts in bulk, sometimes without checking for accuracy. If that is the case here, the collection agency may have inserted data that is unverified.\n\nThere is also no evidence that Vance & Huffman provided any legally required validation notice. Under FDCPA 809 ( a ), collectors must send a written notice within five days of first contact. I did not receive : A validation letter A notification of right to dispute A billing statement An explanation of charges An itemization of the debt Any written communication at all Because I did not receive this notice, I was never informed of my 30-day right to dispute the debt before it was reported to the credit bureaus. Without providing the required validation, the collection agency can not legally continue collection efforts, which include credit reporting. \n\nAnother issue is the absence of an itemized breakdown showing how the balance reached {$1400.00}. Since the collection agency has not identified the original creditor, I can not verify whether that amount is correct, inflated, or the result of fees or interest added by the collection agency. Under Regulation F ( CFPB ), collectors must include : Itemization date Itemized amount at that date Added interest Added fees Payments received Adjustments None of these required items are present in the credit report.\n\nThe account is also marked with the Account Rating : Derog, which severely damages my credit score. Derogatory accounts, especially collections, carry heavy negative scoring weight. The impact of this entry is significant, and because of the inconsistencies, missing information, and lack of validation, the reporting is unfair and harmful. \n\nAdditionally, I have never received any notice from the original creditor indicating that the debt was sold or assigned to Vance & Huffman LLC. Under standard credit and lending practices, if a debt is placed with a collection agency, the original creditor sends a notice indicating the transfer. I did not receive any such notice. \n\nThe bureau data also states that the creditor type is Other Collection Agencies, and the accounts Original Creditor is Unknown. A collection agency can not legally report a debt without identifying the original creditor. This is a foundational requirement of the FCRA, as consumers must be able to determine where a debt originated.\n\nThe absence of documentationcombined with conflicting dates, missing information, unknown original creditor, and the lack of validationmakes the account unverifiable.\n\nIn reviewing the timeline, the credit report lists : Date Opened : XX/XX/year> Start Date : XX/XX/year> Account Status : Closed Last Activity : XX/XX/year> Last Reported : XX/XX/year> Date of Last Payment : High Balance : {$1400.00} Balance : {$1400.00} This timeline reveals internal contradictions. For example, the account can not be closed and then start XXXX months later. It can not have a last reported date before its start date. It can not have a last activity date that corresponds to no interaction or transaction that I made. \n\nEqually problematic is that the Account Type Detail is blank, meaning the bureau does not have enough information to categorize the debt. When key fields such as this are missing, it shows that the collection agency did not provide the required data fields. \n\nA proper entry must include : Original creditor Account type Payment history Itemization Dates Balance breakdown Terms Because none of this information is present, the account can not be considered complete or accurate. \n\nI also did not receive any pre-reporting notice. Under some state laws and best practices, collectors must notify consumers prior to reporting a debt to the credit bureaus. Without that notice, I had no chance to address or dispute the account before negative reporting occurred. \n\nFurthermore, Vance & Huffman LLC has reported the account as Individual Responsibility. I do not recognize or recall entering into any agreement with this company or any lender that would have transferred the debt to them. If Vance & Huffman purchased or acquired the debt, they must provide proof of assignment or transfer, which I have never been shown. \n\nAdditionally, if this were a legitimate debt, the collection agency would have legal access to : Account origination documents Billing statements A complete transaction history Charge-off details Evidence of attempts to contact the consumer Transfer and assignment records Because the collection agency did not provide any of this, I have no way to confirm whether the account is valid or whether the amount is accurate. \n\nFor these reasons, I am disputing the legitimacy, accuracy, completeness, and verifiability of the account. The inconsistencies, lack of documentation, missing notices, conflicting dates, incomplete information, vague creditor identification, and absence of validation all raise reasonable doubts about the integrity of the account. \n\nThis is the full and complete explanation of what happened regarding the VANCE & HUFFMAN LLC account.","date_sent_to_company":"2025-11-17T23:34:46.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"75126","tags":null,"has_narrative":true,"complaint_id":"17288052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"V and H Portfolio","date_received":"2025-11-17T23:28:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Equally problematic is that the Account Type Detail is <em>blank</em>, meaning the bureau does not have enough information to categorize the debt. When key fields such as this are <em>missing</em>, it shows that the collection agency did not provide the required data fields. \n\nA proper entry must include : Original creditor Account type Payment history Itemization <em>Dates</em> <em>Balance</em> breakdown Terms Because none of this information is present, the account can not be considered complete or accurate."]},"sort":[15.758496,"17288052"]},{"_index":"complaint-public-v1","_id":"16636876","_score":15.582666,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a formal complaint against Experian Information Solutions Inc. for knowingly reporting inaccurate, incomplete, and misleading information on my credit file. \n\nThe account in question is a XXXX XXXX XXXX collection account ( Account No. XXXX ), which XXXX XXXX purchased from XXXX XXXX. \n\nAt the bottom of the report, Experian even states : Completed investigation of FCRA dispute consumer disagrees. \n\nYet, upon review of the report itself, it is obvious that Experian did not conduct any legitimate reinvestigation as required under the Fair Credit Reporting Act. The errors, omissions, and contradictions are so blatant that no competent review could have verified this reporting as accurate. \n\nI am not requesting a correction. \nI am demanding full deletion of this account because it fails every accuracy and verification standard under the FCRA.\n\n1. Violation of FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy The FCRA requires Experian to follow reasonable procedures to assure maximum possible accuracy of the information it reports.\n\nThe following errors show Experian did not follow those procedures : Missing and Contradictory Account Data Date Closed Not listed Charge-Off Amount Not listed Date of Last Payment Not listed Terms Incorrectly stated as 1 month ( impossible for a credit card ) Monthly Payment Blank Your Statement Blank These missing and contradictory fields make the record incomplete and unverifiable. \n\nContradictory Status Updates The account is labeled a Collection Account but also shows the Status Updated as XX/XX/XXXX, while Balance Updated is listed as XX/XX/XXXX. \nThis inconsistency means Experian is showing a five-year gap in reporting while simultaneously treating the account as if its still active in collections. \n\nFalse Payment History The payment grid shows C ( Collection ) in XXXX through XXXX, even though the Status Updated date is XX/XX/XXXX. \nThere is no way a closed or inactive account can legitimately show new collection activity across five consecutive years. \nThis error gives lenders the false impression that there has been ongoing delinquency or collection activity, when in fact the account has not changed since XXXX. \n\nNo Verification of Balance Accuracy The Balance Updated line shows XX/XX/XXXX, but the amount remains {$920.00}, identical to the balance reported in XXXX. \nThis update with no change in balance or status is meaningless and proves Experian mechanically re-reported the same data without any actual verification.\n\nThese errors violate 1681e ( b ) because Experian clearly did not follow reasonable procedures to ensure maximum possible accuracy.\n\n2. Violation of FCRA 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation Experians report states that an FCRA dispute investigation was completed, yet it is obvious from the data that no meaningful reinvestigation occurred.\n\nUnder 1681i ( a ), when a consumer disputes an item, Experian must conduct a reasonable reinvestigation and either correct or delete the item within 30 days.\n\nInstead, Experian merely repeated the same inaccurate data without addressing or correcting any of the following : The account shows continuous collection codes ( C ) for five years, even though the account was last updated in XXXX. \n\nThe account lists no payments, no charge-off date, and no close date, yet is still labeled Collection Account.\n\nThe Terms are listed as 1 Month, which makes no sense for a credit card debt. No rational reinvestigation could\nhave determined this data to be accurate.\n\nIn Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court ruled that a credit bureau violates 1681i when it merely parrots information from the furnisher without conducting an independent investigation. That is precisely what Experian has done here.\n\n3. Violation of FCRA 1681c ( a ) ( 4 ) & ( 5 ) Reporting Obsolete Information and Re-Aging The Date Opened is shown as XX/XX/XXXX, but this account clearly stems from a XXXX XXXX  charge-off that became delinquent long before that date. \n\nXXXX XXXX XXXX is a debt buyer, not the original creditor. When a debt is sold, the Date of First Delinquency ( DOFD ) does not reset. \nHowever, Experian is treating XX/XX/XXXX as the start of delinquency, which is illegal re-aging under 605 ( c ) of the FCRA. \n\nIf this debt originated from XXXX XXXX  before XXXX, the seven-year reporting period must begin from that original date of delinquency not when the debt was purchased. \n\nExperians current reporting makes the debt appear newer than it really is, which unlawfully extends its time on my report.\n\n4\n\n. Violation of FCRA 1681c-2 Failure to Delete Unverifiable Information Experian is legally required to delete unverifiable information.\n\nThis report is riddled with blank fields, false activity dates, and contradictory data. \n\nThe company itself claims : Completed investigation of FCRA dispute consumer disagrees. \n\nIf Experian truly investigated, it would have discovered that the data from XXXX XXXX XXXX is incomplete, unverifiable, and misleading. Since it failed to do so, it is now knowingly continuing to publish unverifiable information in violation of XXXX81c-2.\n\n5. Misleading and Deceptive Presentation of Account Data Even if parts of this information were technically true, Experians presentation of it is deceptive and materially misle\nading.\n\nCollection account displayed as active for five years. \n\nXXXX updated shown in XXXX despite XXXX updated in XXXX. \n\nTerms listed as XXXX month, implying a short-term loan rather than a revolving credit line. \n\nMissing charge-off and payment data.\n\nIn Cortez v. Trans Union, 617 F.3d 688 ( 3d Cir. 2010 ), the court held that information can be considered inaccurate under the FCRA if it creates a misleading impression even if some details are technically true.\n\nExperians layout and labeling of this tradeline are clearly misleading to creditors and potential lenders.\n\n6. Supporting Case Law Federal courts have repeatedly found credit b\nureaus liable for exactly this kind of reporting negligence : Sloane v. Equifax Information Services LLC, 510 F.3d 495 ( 4th Cir. 2007 ) : Jury found Equifax willfully violated the FCRA for failing to ensure accuracy and correct erro\nrs after notice.\n\nDennis v. BEH-1, LLC and Experian Information Solutions , Inc. , 520 F.3d 1066 ( 9th Cir. 2008 ) : Found Experian liable for continuing to report inaccurate information after notification of dispute.\n\nSmith v. HireRight Solutions , Inc., 711 F. Supp. 2d 426 ( E.D. Pa. 2010 ) : Court ruled that omitting essential data and context constitutes inaccuracy under 1681e ( b ). \n\nThese cases show that Experians actions or lack thereof fit a clear pattern of FCRA violations. \n\n7. Requested Resolution I am requesting the immediate and permanent deletion of the XXXX XXXX XXXX account ( Account No. XXXX ) from my Experian credit report. \n\nThis information is unverifiable, incomplete, and misleading. A correction would not fix these structural inaccuracies. \nOnly complete deletion will restore fairness and accuracy to my credit file.\n\n8. Requested Action by the CFPB I respectfully request that the CFPB : Investigate Experians reinvestigation procedures to determine why false verified results are being issued.\n\nEnforce compliance with FCRA accuracy and reinvestigation standards under federal law.","date_sent_to_company":"2025-10-16T10:34:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"342XX","tags":"Servicemember","has_narrative":true,"complaint_id":"16636876","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-16T10:30:21.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The following errors show Experian did not follow those procedures : <em>Missing</em> and Contradictory Account Data Date Closed Not listed Charge-Off Amount Not listed Date of Last Payment Not listed Terms Incorrectly stated as 1 month ( impossible for a credit card ) Monthly Payment <em>Blank</em> Your Statement <em>Blank</em> These <em>missing</em> and contradictory fields make the record incomplete and unverifiable."]},"sort":[15.582666,"16636876"]},{"_index":"complaint-public-v1","_id":"11728267","_score":15.233313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear XXXX, I am writing to formally dispute inaccurate and incomplete information reported on my credit file concerning an account listed under \" XXXX XXXX. '' I reviewed my credit report dated [ Insert Date ] and identified the following issues with the account in question : Account Details in Dispute Account Name : XXXX XXXX  Account Number : XXXX Balance Reported : {$700.00} Status : Charged off as bad debt Status Updated : XX/XX/year> Discrepancies and Violations 1. Incorrect Balance Reporting The account reflects a current balance of {$700.00} and a past-due amount of {$700.00}, despite being \" Charged off as bad debt. '' When an account is charged off, creditors generally write off the balance, resulting in {$0.00} owed under their reporting. \n\nViolation : This reporting may constitute a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ), which mandates that creditors report accurate information. If this account has been sold to a third party, the balance should no longer be reported by the original creditor. \nAction Requested : Verify the ownership of this debt and update the balance to {$0.00} if the creditor no longer owns it. \n\n2. Lack of Ownership Disclosure The \" Company Sold '' field is left blank, providing no clarity on whether the account has been sold or transferred to another entity. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to know the identity of the current owner of their debt under 15 U.S.C. 1681g ( a ) ( 2 ). \n\nViolation : Failure to disclose the ownership status of the account makes this report incomplete and unclear. \nAction Requested : Provide documentation confirming whether this debt has been sold. If it has, update the report to include the name and contact information of the new owner. \n\n3. Unexplained Balance Increase The account reflects an \" Original Balance '' of {$300.00}, which has ballooned to {$700.00} without any explanation or breakdown of how this increase occurred. Such unexplained charges may result in inaccurate reporting under 15 U.S.C. 1681e ( b ).\n\nViolation : Reporting an increased balance without detailing accrued fees, penalties, or interest is misleading and potentially inaccurate. \nAction Requested : Provide a detailed breakdown of how the balance increased from {$300.00} to {$700.00}. If the increase is not substantiated, correct the balance to reflect accurate figures. \n\n4. Missing Payment History The \" Payment History '' section states, \" No payment history available to display. '' However, the account has been charged off, indicating non-payment over time. Reporting no payment history is incomplete and may mislead future creditors.\n\nViolation : The omission of payment history violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy.\n\nAction Requested : Include a full and accurate payment history for this account or clarify why no payment history is available despite the account being charged off. \n\n5. Inconsistent Timeline The \" Status Updated '' field shows XX/XX/year>XXXX  as the last update, which seems inconsistent with the timeline of events for the charge-off. Discrepancies in reported dates undermine the accuracy of the report. \n\nViolation : Reporting inconsistent or incorrect dates violates 15 U.S.C. 1681e ( b ).\n\nAction Requested : Verify all dates related to this account and ensure they accurately reflect the timeline of the account 's activity. \n\n6. Possible Duplication of Debt If this account has been sold or assigned to another entity, the original creditor should no longer report the account. Reporting the same debt under multiple entries is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ). \n\nViolation : Duplicate reporting of debt may occur if this account is listed by both the original creditor and a debt buyer. \nAction Requested : Confirm whether this account is being reported elsewhere. If it has been sold, ensure the original creditors reporting is removed or updated. \n\nRequest for Resolution In light of the discrepancies listed above, I request the following actions be taken within 30 days as required under 15 U.S.C. 1681i ( a ) : Investigate the inaccuracies and update my credit report to ensure all information regarding this account is accurate, complete, and consistent. \nProvide documentation validating the reported information. \nRemove this account from my credit report if you or the creditor can not provide sufficient evidence of its accuracy and completeness. \nPlease send me the results of your investigation in writing to the address listed above. Should you need additional information from me to complete your investigation, do not hesitate to contact me.","date_sent_to_company":"2025-01-22T19:03:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"11728267","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-22T19:03:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inconsistent Timeline The \" Status <em>Updated</em> '' field shows XX/XX/year>XXXX  as the last <em>update</em>, which seems inconsistent with the timeline of events for the charge-off. Discrepancies in reported <em>dates</em> undermine the accuracy of the report. \n\nViolation : Reporting inconsistent or incorrect <em>dates</em> violates 15 U.S.C. 1681e ( b ).\n\nAction Requested : Verify all <em>dates</em> related to this account and ensure they accurately reflect the timeline of the account 's activity. \n\n6."]},"sort":[15.233313,"11728267"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":70,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":70}]}},"product":{"doc_count":70,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":62,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":62}]}},{"key":"Debt collection","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":2},{"key":"Federal student loan debt","doc_count":1},{"key":"Other debt","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lease","doc_count":1},{"key":"Loan","doc_count":1}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":70,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":48,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":38},{"key":"Account status incorrect","doc_count":5},{"key":"Information belongs to someone else","doc_count":4},{"key":"Personal information incorrect","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":7},{"key":"Problem with personal statement of dispute","doc_count":4},{"key":"Investigation took more than 30 days","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1},{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"False statements or 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