{"took":626,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":9,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18303833","_score":17.499802,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT NARRATIVE Date : XX/XX/XXXX Company : Equifax Product : Credit reporting Issue : Problem with a companys investigation into an existing problem Consumer : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Complaint Summary I am filing this complaint to document improper dispute invalidation and unreasonable identity-verification demands made by Equifax after my disputes were already XXXX, assigned confirmation numbers, and placed under investigation. \nOn XX/XX/XXXX, I called Equifax at ( XXXX ) XXXX to obtain clarification regarding the status of multiple open disputes. The outgoing call lasted approximately XXXX minutes and began at XXXXXXXX XXXX \nDuring this call, an Equifax agent informed me that my drivers license and Social Security documentation were considered invalid, that my existing disputes were being marked invalid, and that I was required to resubmit identification including my full Social Security number. The agent explicitly stated that providing only the last XXXX digits of my SSN was insufficient. \nI explained to the agent that I have never provided my full Social Security number to Equifax for disputesonly the last XXXX digitsand that this method has been consistently accepted by Equifax in the past. \n\nDisputes Improperly Targeted The agent specifically referenced the following Equifax dispute confirmation numbers, all of which had already been accepted and issued by Equifax : Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Equifax must ensure that the closed confirmation numbers listed above were properly handled, and that the open complaints listed below are properly handled as well. \nEquifax can not retroactively invalidate disputes after identity verification has already occurred and confirmation numbers have been issued. \n\nProof of Disparate and Inconsistent Treatment Equifaxs claim that my identification is invalid is contradicted by its own historical conduct. \nI have filed numerous prior CFPB complaints against Equifax, all using the same identity-verification method ( government-issued ID and partial SSN ). Many of these complaints were accepted, investigated, and closed, with no indication whatsoever that my identification was invalid or insufficient. \nExamples include ( not exhaustive ) : CFPB complaint IDs from XX/XX/XXXX through XX/XX/XXXX, all marked Closed Company Responded Additional closed complaints from XXXX XXXX and XX/XX/XXXX, all processed using the same identification method None of the closed CFPB files reference invalid documentation, identity failure, or refusal to investigate due to missing full SSN This establishes that Equifax has previously verified my identity using the same documentation, and that the sudden demand for a full Social Security number is new, inconsistent, and selectively applied. \n\nImproper Demand for Full Social Security Number Equifaxs demand that I provide my full Social Security number as a condition to reinstate or process disputes is unreasonable and unsupported. \nThe Fair Credit Reporting Act does not require consumers to disclose their full SSN to dispute inaccuracies Equifax has repeatedly accepted disputes from me using a partial SSN Identity verification had already occurred, as evidenced by issued confirmation numbers Additionally, I was not provided any written notice identifying a specific deficiency in my identification or explaining how to cure it, despite Equifax claiming my disputes were being invalidated. \nAn oral statement during a phone call does not satisfy notice or documentation requirements. \n\nRelated Open CFPB Complaints This conduct directly impacts and appears designed to obstruct the resolution of the following currently open CFPB complaints, all of which have already been sent to Equifax : Your complaintt Open COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX XXXXeporting Problem with a company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with XXXX XXXX XXXX XXXX XXXX an existing problem Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem with a company XXXX XXXX XXXX XXXX XXXX problem Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX a company 's investigation XXXX XXXX XXXX XXXX Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's investigation into an XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX XXXX into an existing problem Equifax Credit Bureau XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX XXXX Unable to XXXX XXXX credit report XXXX credit score Equifax Information Services LLC XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting Problem with a XXXX XXXX XXXX XXXX an XXXX XXXX Equifax Credit Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation XXXX XXXX XXXX XXXX Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation into XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Credit Bureau XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unable XXXX XXXX XXXX credit report or credit score Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem with a company XXXX XXXX XXXX an existing problem Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX a company 's investigation XXXX XXXX XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report Equifax Credit Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's XXXX XXXX XXXX XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX substance of these XXXX XXXX Equifax appears to be attempting to invalidate disputes procedurally by imposing new and unreasonable identity requirements.","date_sent_to_company":"2025-12-26T21:08:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70785","tags":null,"has_narrative":true,"complaint_id":"18303833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-26T21:01:45.000Z","state":"LA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["CFPB COMPLAINT <em>NARRATIVE</em> Date : XX/XX/XXXX Company : <em>Equifax</em> <em>Product</em> : Credit reporting <em>Issue</em> : <em>Problem</em> with a companys investigation into an existing <em>problem</em> Consumer : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Complaint Summary I am filing this complaint to document improper dispute invalidation and unreasonable identity-verification demands made by <em>Equifax</em> after my disputes were already XXXX, assigned confirmation numbers, and placed under"],"issue":["<em>Problem</em> with a company's investigation into an existing <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[17.499802,"18303833"]},{"_index":"complaint-public-v1","_id":"16533856","_score":16.193298,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issues ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) Problem with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries ). \n\nRepeat ( copy/paste ) for TransUnion LLC and Equifax Information Services LLC if any inquiry or tradeline appears there. \n\nWhat happened ( Complaint narrative ) : I am disputing unauthorized hard inquiries and requesting identity-theft blocking and a proper reinvestigation with documentation under the Fair Credit Reporting Act ( FCRA ) 604, 607 ( a ) ( b ), 609 ( a ) ( 1 ) ( 3 ), 611, 611 ( a ) ( 5 ) ( B ), 605A, and 605B. \n\nMy information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report : Ref. XXXX ( on file ) Disputed hard inquiries ( not authorized by me ) : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit with these entities and did not provide written or electronic authorization. If any inquiry is identity-theft-related, it must be blocked under 605B. I have an FTC report ( Ref. XXXX ) and can provide ID and proof of address.","date_sent_to_company":"2025-10-14T02:14:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48187","tags":null,"has_narrative":true,"complaint_id":"16533856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-14T02:14:30.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Product</em> : Credit reporting, credit repair services, or other personal consumer reports <em>Issue</em> : Incorrect information on your report Sub-<em>issues</em> ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) <em>Problem</em> with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries )."]},"sort":[16.193298,"16533856"]},{"_index":"complaint-public-v1","_id":"16557678","_score":16.171865,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issues ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) Problem with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries ). \n\nRepeat ( copy/paste ) for TransUnion LLC and Equifax Information Services LLC if any inquiry or tradeline appears there. \n\nWhat happened ( Complaint narrative ) : I am disputing unauthorized hard inquiries and requesting identity-theft blocking and a proper reinvestigation with documentation under the Fair Credit Reporting Act ( FCRA ) 604, 607 ( a ) ( b ), 609 ( a ) ( 1 ) ( 3 ), 611, 611 ( a ) ( 5 ) ( B ), 605A, and 605B. \n\nMy information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report : Ref. XXXX ( on file ) Disputed hard inquiries ( not authorized by me ) : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit with these entities and did not provide written or electronic authorization. If any inquiry is identity-theft-related, it must be blocked under 605B. I have an FTC report ( Ref. XXXX ) and can provide ID and proof of address.","date_sent_to_company":"2025-10-14T02:14:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48187","tags":null,"has_narrative":true,"complaint_id":"16557678","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-14T02:14:30.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Product</em> : Credit reporting, credit repair services, or other personal consumer reports <em>Issue</em> : Incorrect information on your report Sub-<em>issues</em> ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) <em>Problem</em> with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries )."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.171865,"16557678"]},{"_index":"complaint-public-v1","_id":"16532779","_score":16.171865,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issues ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) Problem with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries ). \n\nRepeat ( copy/paste ) for TransUnion LLC and Equifax Information Services LLC if any inquiry or tradeline appears there. \n\nWhat happened ( Complaint narrative ) : I am disputing unauthorized hard inquiries and requesting identity-theft blocking and a proper reinvestigation with documentation under the Fair Credit Reporting Act ( FCRA ) 604, 607 ( a ) ( b ), 609 ( a ) ( 1 ) ( 3 ), 611, 611 ( a ) ( 5 ) ( B ), 605A, and 605B. \n\nMy information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report : Ref. XXXX ( on file ) Disputed hard inquiries ( not authorized by me ) : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit with these entities and did not provide written or electronic authorization. If any inquiry is identity-theft-related, it must be blocked under 605B. I have an FTC report ( Ref. XXXX ) and can provide ID and proof of address.","date_sent_to_company":"2025-10-14T02:14:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48187","tags":null,"has_narrative":true,"complaint_id":"16532779","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-14T02:07:48.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Product</em> : Credit reporting, credit repair services, or other personal consumer reports <em>Issue</em> : Incorrect information on your report Sub-<em>issues</em> ( select all that fit as you file ) : Information belongs to someone else/identity theft Improper use of your report ( unauthorized hard inquiries ) <em>Problem</em> with a credit reporting companys investigation Company : File once for Experian Information Solutions , Inc. ( primary, most inquiries )."]},"sort":[16.171865,"16532779"]},{"_index":"complaint-public-v1","_id":"16770703","_score":14.7314625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint # XXXX Experian ( Consumer Credit Reporting ) Company : Experian Information Solutions , Inc . \nProduct/Issue : Credit reporting Incorrect information on your report Problem with a credit reporting companys investigation Date problem began : XX/XX/year> Previously contacted the company? Yes dispute and Method of Verification ( MOV ) requests submitted ; inadequate response. \n\nWhat happened ( Problem narrative ) I am disputing an Experian-only tradeline reported as XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This account appears only on Experian and is absent from TransUnion and Equifax, indicating misattribution, mixed-file contamination, or an unverifiable insertion. \n\nKey defects Experian-only discrepancy ( FCRA 607 ( b ), 611 ) : Experian reports the account as XXXX, 30 Days Late, opened XX/XX/year>, balance {$100000.00}, term 84 months, last reported XX/XX/year>. No corresponding tradeline exists at other CRAs. Experian has not produced a signed application/contract, payment ledger, or a furnisher-certified verification. \n\nLate-Marker violation Metro 2 Code 162 : Experian is displaying a 30-day late without a complete month-by-month payment history or ledger support. Metro 2 requires a chronological history and documentation for late coding. Reporting late status without that support is incomplete/misleading and violates FCRA 607 ( b ) and 611 ( a ). \n\nLate-Marker Evidence Table ( Experian ) : Furnisher : XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX | Month : XX/XX/year> | Experian shows : 30 Days Late | Proof : No ledger/DLP provided Code 162 defect Remedy : delete late ; if unverifiable, delete entire tradeline. \n\nNo permissible-purpose inquiry on file ( FCRA 604 ( a ) ) : Experians disclosure shows no hard or soft inquiry from XXXX XXXX XXXX or affiliates ) around XX/XX/year>. Reporting an installment loan without a corresponding permissible-purpose inquiry and without a signed application/E-SIGN audit trail violates 604 ( a ) and 607 ( b ).\n\nReinsertion concern 611 ( a ) ( 5 ) ( B ) : Items previously corrected have reappeared without furnisher certification or 5-day written notice. I requested MOV ; Experian did not provide adequate documentation.\n\nIdentity-theft/mixed-file indicators 605B : Prior breach exposure and address/identifier anomalies exist. Any unverifiable identity-theft items must be blocked under 605B.","date_sent_to_company":"2025-10-24T05:21:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"16770703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-24T05:16:17.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Product</em>/<em>Issue</em> : Credit reporting Incorrect information on your report <em>Problem</em> with a credit reporting companys investigation Date <em>problem</em> began : XX/XX/year> Previously contacted the company? Yes dispute and Method of Verification ( MOV ) requests submitted ; inadequate response. \n\nWhat happened ( <em>Problem</em> <em>narrative</em> ) I am disputing an Experian-only tradeline reported as XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX."]},"sort":[14.7314625,"16770703"]},{"_index":"complaint-public-v1","_id":"20537159","_score":12.954941,"_source":{"product":"Student loan","complaint_what_happened":"CFPB COMPLAINT COPY FOR YOUR XXXX Consumer Financial Protection Bureau consumertinance.gov/complaint Complainant : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX... \nHOW TO FILE : Go to consumerfinance.gov/complaint Select 'Student loan ' Select 'Federal student loan ' Company : Aidvantage Paste the narrative below CFPB FORM FIELDS FILL IN EXACTLY AS SHOWN Product : Student loan Sub-product : Federal student loan servicing Issue : Dealing with your lender or servicer Problem with customer service Company name : Advantage ( XXXX XXXX XXXX ) COMPLAINT NARRATIVE COPY AND PASTE THIS ENTIRE SECTION I am filing this complaint against Advantage ( XXXX XXXX XXXX XXXX for repeated mishandling of my XXXX XXXX XXXX XXXXXXXX ( XXXX  ) discharge application, failure to protect my loans during an active XXXX review period, and improper credit reporting that has caused significant and ongoing financial harm. \nBACKGROUND I am a person with a XXXX XXXX XXXX XXXXXXXX ( XXXX - XXXX XXXX ). In XX/XX/XXXX, I submitted a valid TPD discharge application for my federal student loans. My physician, XXXX XXXX XXXX, completed the XXXX XXXX XXXX both electronically and with a manual signature. The XXXX system recorded the XXXX XXXX XXXX as completed on XX/XX/XXXX. I have documentation confirming both submissions. \nISSUE 1 : IMPROPER DENIAL AND MISHANDLING OF TPD APPLICATION Despite valid physician certification, my TPD application was denied on the basis that there was 'no physician signature ' which is factually incorrect and contradicted by the TPD system 's own records showing the signature was completed XX/XX/XXXX. This appears to be an XXXX XXXX X CFPB Complaint XXXXXXXX XXXX was completed XX/XX/XXXX. This appears to be an administrative error by the servicer or the federal processing system. I was subsequently required to submit a reconsideration request and am now under an active reconsideration period with a deadline of XX/XX/XXXX. \nISSUE 2 : FAILURE TO PROTECT LOANS DURING TPD REVIEW IMPROPER CREDIT REPORTING Under federal law and Department of Education guidelines, when a XXXX  application is under active review, the borrower 's loans must be placed in administrative forbearance. During this period, no negative balance increases, adverse status changes, or harmful credit reporting should occur. \nAidvantage has violated this protection. Every month since my TPD application was submitted in XX/XX/XXXX, XXXX ( pulling Equifax XXXX ) has alerted me that the monthly balance reported on my DEPT OF ED/ADVANTAGE account has increased. This has happened repeatedly and consistently, constituting a pattern of improper credit reporting during a legally protected forbearance period. \nThis improper reporting has caused my XXXX XXXX to drop from approximately XXXX to approximately XXXX - a loss of roughly XXXX points. This credit damage has directly harmed my ability to secure business financing for my company ( XXXX ), purchase a disability-accessible home, and maintain my overall financial stability. \nThe only legitimate credit activity on my report during this period is from XXXX XXXX ( XX/XX/XXXX ) and Georgia XXXX ( XX/XX/XXXX ). All other adverse reporting on this federal student loan account is improper and has occurred during a period in which I should have been fully protected. \nISSUE 3 : ADVANTAGE HAD NO RECORD OF MY XXXX  APPLICATION When I contacted Advantage directly, representatives initially stated they had no record of my TPD application. \nThis failure to maintain or access accurate records of an active federal XXXX discharge application is a serious servicing failure. Advantage subsequently opened an internal claim and escalated my case to their Customer Advocate Unit, and my loans were placed in forbearance but not before significant harm had already occurred. \nISSUE 4 : VERBAL ACKNOWLEDGMENT OF ERRORS BY FEDERAL STUDENT AID Representatives from Federal Student Aid ( FAFSA ) verbally acknowledged that mistakes were made in the handling of my case. Despite this acknowledgment, no corrective action has been taken to reverse the credit damage caused by these errors. \nHARM CAUSED As a direct result of Advantage 's mishandling of my TPD application and improper credit reporting, I have suffered the following specific harms : 1. Credit score decline of approximately XXXX points ( from XXXX to XXXX ) causing ongoing financial harm XXXX. Inability to secure business financing for XXXX, my housing and internship ecosystem for underserved students XXXX. Inability to purchase a disability-accessible home suitable for my medical needs 4. Ongoing monthly credit damage that continues to worsen 5. Emotional distress and financial instability caused by a process that should have been straightforward RELIEF REQUESTED I respectfully request that the CFPB : 1. Investigate Advantage 's handling of my TPD discharge application and XXXX XXXX XXXX XXXX XXXX. Require Advantage to immediately correct all inaccurate credit reporting to all three credit bureaus ( Equifax, Experian, TransUnion ) for the period XX/XX/XXXX to present XXXX. Require Advantage to ensure my loans remain in proper administrative forbearance pending final TPD discharge determination 4. Require Advantage to provide a written account of all actions taken on my account since XX/XX/XXXX XXXX. Investigate whether XXXX 's practices constitute a pattern of violations affecting other XXXX  applicants SUPPORTING DOCUMENTATION AVAILABLE TPD system screenshot confirming XXXX XXXX XXXX completed XX/XX/XXXX XXXX reconsideration notice with XX/XX/XXXX deadline XXXX monthly alerts confirming repeated DEPT OF EDIAIDVANTAGE balance increases Advantage forbearance confirmation notice Aidvantage Customer Advocate Unit escalation notice XXXX XXXX documentation showing decline from XXXX to XXXX","date_sent_to_company":"2026-03-25T11:45:11.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"20537159","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2026-03-24T12:43:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["HOW TO FILE : Go to consumerfinance.gov/complaint Select 'Student loan ' Select 'Federal student loan ' Company : Aidvantage Paste the <em>narrative</em> below CFPB FORM FIELDS FILL IN EXACTLY AS SHOWN <em>Product</em> : Student loan Sub-<em>product</em> : Federal student loan servicing <em>Issue</em> : Dealing with your lender or servicer <em>Problem</em> with customer service Company name : Advantage ( XXXX XXXX XXXX ) COMPLAINT <em>NARRATIVE</em> COPY AND PASTE THIS ENTIRE SECTION I am filing this complaint against Advantage ( XXXX XXXX XXXX XXXX"],"sub_issue":["<em>Problem</em> with forgiveness, cancellation, or discharge"]},"sort":[12.954941,"20537159"]},{"_index":"complaint-public-v1","_id":"5023137","_score":8.56496,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On or around XXXX XX/XX/XXXX I received the results of a dispute I'd filed around XXXX XX/XX/XXXX. The results of the dispute stated the data furnisher, XXXX XXXX XXXX XXXX, had verified the information they supplied to Equifax for a student loan were accurate. \n\nIncluded in the results was a payment history for the last two ( 2 ) years. For the months of XX/XX/XXXX and XX/XX/XXXX, the data supplied to Equifax lists expected payment amounts of seventy-two ( XXXX ) dollars and records that no payments were received for either month. The dataset shows that no payments were due for the months of XX/XX/XXXX thru XX/XX/XXXX and that a payment was due for the months thereafter. \n\nNow, the date for which the first payment was allegedly due AFTER XX/XX/XXXX corresponds to the end of an in-school forbearance. The month for which student loan reapayments began is listed as XX/XX/XXXX. However, a letter from XXXX XXXX dated XXXX XX/XX/XXXX states the student loans were in forbearance until XXXX XX/XX/XXXX. A letter from early in that XXXX XX/XX/XXXX lists the end-date for the in-school forbearance as XXXX XX/XX/XXXX. A first statement is then generated on or around XXXX XX/XX/XXXX with a current due date of XXXX XX/XX/XXXX. \n\nFor each subsequent statement, CFPB interpretation of Regulation Z requires the statement date to be the same date each month with no more than a four ( 4 ) variation from the date established per the first bill. Moreover, the minimum duration between the statement date is to be no less than twenty-one ( XXXX ) days under 12 CFR 1026.2 \" Definitions and Rules. '' XXXX XXXX acknowledges this in some facet in a letter from research and remediation associate XXXX XXXX : \" Please note that our office is only required to provide you at least a XXXX grace period between the statement notice and the due date of your monthly payment installments. '' The date of this letter is XXXX XX/XX/XXXX. In direct contrast to this knowledge, the duration of statement dates from time of repayment transfer to new loan servicer and/or charge-off was consistently less than XXXX ( XXXX ) days. Thus, XXXX XXXX consistently violated its own \" policies '' and was habitually non-compliant with 12 CFR 1026.2. Moreover, XXXX XXXX has repeatedly made dubious claims of payment being required during priods for which a statement was NOT generated. This directly contradicts the terms of the MPN which requires staements to be provided even during periods of forbearance and/or deferment, which encompasses in-school forbearances, in-school deferments, disaster forbearances, etc. \n\nAny month in which XXXX XXXX furnished payment history data that is/was non-compliant with 12 CFR 1026.2, is non-reportable by a CRA and can not be included in a consumer file because it compels the CRA to report consumer history that violates my protections under 12 CFR Part 1026. As consequence the CRA would then be reporting data that is patently inaccurate resulting in CRA violations of the FCRA as amended and enforced under 12 CFR 1022, at minimum. Yet, Equifax continues to include this patently inaccurate data in my credit file, even when portions of that dataset for the same account/tradeline contradict other portions of the dataset for the same account/tradeline. Contradictory information is patently inaccurate and non-reportable by a CRA. Moreover, if supplied in whole ( or part ) as contradictory from a data-furnisher, it is patently unverifiable -- the data is patently false, thus violating 12 CFR Part 1022. \n\nAny payment history that results from inaccurate data is to be removed because that data is inaccurate and/or unverifiable. Documentation supplied by the consumer in a consumer complaint that demonstrates the data is inaccuarate, becuase it contradicts other pieces of data on which a data-furnisher 's assertion is made, necessitates removal without the consent of the data furnisher because it is patently inaccurate and continues to harm a consumer during a CRA \" investigation ''. The threshold for such instances is supplying the CRAs with information generated by the data-furnisher, that directly contradicts the information the CRA has on-file per the account/tradeline of the data-furnisher. Typically data that refutes the data within a consumer file is provided as a statement on the data-furnisher 's letterhead. \n\nIn examining the payment history data table supplied by Equifax itself there are a serious number of inaccuracies for which Equifax can not reasonably construe as \" accurate '' given the documentation that I have supplied, documentation supplied, on the data-furnisher 's letterhead, that directly refutes other pieces of data within the data-set for the XXXX accounts/tradelines for the same periods. Additionally Equifax knows the data supplied by XXXX is inaccurate and unverifiable because they removed some of the offending data between reports generated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Evidence of the rroneous data still propagating past XXXX XX/XX/XXXX include months showing payment history charge-off status codes, such as ( L ) or ( CO ), that can not possibly exist becuase Equifax has clearly registered \" no data available '' in the corresponding history table. Alleged CO status periods are boxed by CO monthsfor which the CO status has corresponding \" no data available ''. Conseuquentially the CO status indicators for months in-between ( and inclusive of ) XX/XX/XXXX XX/XX/XXXX are unverifiable because they have no identified action in the dataset that would warrant a CO action. Months for which accounts were in an in-school forbearance, acknowledged by XXXX XXXX as such in multiple letters, are recorded as having scheduled payment amounts while other months encompassing the same forbearance/deferment period show no scheduled payment amounts. One such case is the months of XX/XX/XXXX thru XX/XX/XXXX, for which it has already been stated and corroborated by XXXX XXXX that the account was in an in-school forbearance status, but reflect in the Equifax dataset as a payment scheduled and owing, while periods XX/XX/XXXX thru XX/XX/XXXX show none. Other examples include dates for which Equifax records show payments were made, most of which were in excess of the scheduled payment, but show zero ( 0 ) decrease or increase in balance : the balance for a subsequent month remains identical to that of the previous month. Finally newer months in the Equifax history have corresponding last payment dates that are older than that of prior months. For example the month of XX/XX/XXXX indicates a last payment date of XXXX XX/XX/XXXX, while the month of XX/XX/XXXX indicates a ldate of last payment of XXXX XX/XX/XXXX. Both of these stand in stark contast to XX/XX/XXXX that shows a last payment date of XXXX XX/XX/XXXX. \n\nAt best the dataset housed by the CRAs for the XXXX accounts is incohate. Be it due to nascency or flat-out incoherence, the data can not possibly meet the reprting requirements under the FCRA as implemented in 12 CFR Part 1022. \n\nI have filed nearly one-hundred ( 100 ) complaints with the CFPB regarding these issues, many of which have been transmitted to both the CRAs AND XXXX XXXX, thus satisfying my responsibilities to ensure factual accuracy of my credit files as permitted under the FCRA. Because many of these CFPB complaints have also been transmitted ( in writing ) to the data furnisher, I have also submitted FCRA 623 ( c ) disputes directly to XXXX XXXX. Now XXXX XXXX has received the documentation I've supplied to both FCRA 623 ( c ) disputes, AND disputes from the CRA, yet has furnished the same erroneous data to the CRAs, and mailed me the evidence that contradicts their assertions to the data furnished to CRAs in response to my disputes, They have subsequently, or even simultaneously, submitted responses to the CFPB that contradict, and in some cases directly refute, the information supplied in the datasets to the CRA. Therefore, XXXX XXXX knows, OR SHOULD KNOW there is a serious problem with their records and likely have refused to admit the failures for fear of consequences akin to those outlined in prior XXXX XXXX consent agreements they've previously enterd into with the CFPB for poor lending practics, poor billing practices, and non-compliance as a data furnisher when reporting consumer account statuses to the CRAs. Thus, despite receiving numerous 623 disputes, and FCRA disputes, XXXX XXXX has chosen not to fulfill its responsibilities as a data-furnisher under 12 CFR 1022.20 - 1022.43 \" Duties of Furnishers of Information ''. \n\nLikewise, the CRAs have received my complaints and the obviously erroneous/inaccurate/unverifiable data is perpetuated due to the CRA reliance upon the data furnisher instead of independent review of consumer dipsute narrative and accompanying documentation. Thus, it would the CRAs continue to perpetuate patently inaccurate data within my credit file that harms me as a consumer with current and potential lenders for products ranging from education financing, automobile financing, housing, etc. The fact is, data generated by a data furnisher that is non-compliant with 12 CFR 1026 in general is not reportable as a part of a consumer file. Yet, the CRAs, in this case Equifax, continues to use the blanketed statement \" the information was being reported as accurate '' becuase the data furnisher, XXXX XXXX, had verified its accuarcy. This clearly indicates Equifax has repeatedly failed in its responsibilities under FCRA to conuduct an investigation and repeatedly abridged my rights of due process under the FCRA by simply processing disputes, translating them into an eOSCAR code ( not necessarily reflecting the correct reason for the dispute ). The CRAs, here Equifax, has then submitted the dispute to the data-furnisher, to leave it to the data-furnisher ( or its computer system ) to verify the accuracy of the data. The woeful ignorance of the XXXX in even refusing to conduct a cursory examination of the documentation, or to take steps when the data-furnisher 's own statements contradict the information supplied by the data-furnisher, indicates the CRAs, in this case Equifax, knows OR SHOULD KNOW there is inaccurate information, and has thus knowingly and of their own volition chosen to abdicate their responsibilities as outlined in 12 CFR Part 1022 pursuant to the FCRA as amended. \n\nPrecedent at the Federal level indicates that I have cause to file legitimate claims within Federal courts to obtain relief, for which I am allowed to seek damages from XXXX AND the CRAs for their roles, in what coloquially would be referred to as a s-show, in what constitues a willful abdication of responsibility, integrity, and adherence to law. I am therefore demanding the CRAs, here Equifax, remove the accounts/tradelines for both XXXX student loan accounts.","date_sent_to_company":"2021-12-18T15:11:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"5023137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-12-18T14:24:14.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Likewise, the CRAs have received my complaints and the obviously erroneous/inaccurate/unverifiable data is perpetuated due to the CRA reliance upon the data furnisher instead of independent review of consumer dipsute <em>narrative</em> and accompanying documentation. Thus, it would the CRAs continue to perpetuate patently inaccurate data within my credit file that harms me as a consumer with current and potential lenders for <em>products</em> ranging from education financing, automobile financing, housing, etc."],"issue":["<em>Problem</em> with a credit reporting company's investigation into an existing <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[8.56496,"5023137"]},{"_index":"complaint-public-v1","_id":"16427044","_score":6.268513,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Credit Reporting ( Big XXXX + Specialty Bureaus ) What happened ( brief narrative for the portal ) I am disputing inaccurate, incomplete, and unverifiable information across TransUnion, Experian, Equifax, and several specialty banking/identity bureaus. I have documented identity-theft indicators tied to multiple data breaches ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and dark-web/address-change alerts ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). Items previously deleted were later reinserted without furnisher certification or XXXX notice, violating FCRA 611 ( a ) ( 5 ) ( B ). \n\nBecause banks and XXXX lenders also check ChexSystems/EWS/TeleCheck and XXXX  ( not just XXXX XXXX XXXX CRAs ), bad data in these files is causing, or likely to cause, automatic business-credit denials. I submitted disputes/freezes to prevent harm and asked for Method of Verification ( MOV ) and first-party signature/authorization proof for each retained tradeline and hard inquiry. The bureaus have not provided the required documentation. \n\nI am requesting deletion/blocking of unverifiable or identity-theft items, correction of cross-bureau inconsistencies, confirmation of freezes/opt-outs across specialty files, and a written MOV showing signed applications/contracts ( or valid e-signature audit trails ) for every retained account and hard inquiry. \n\nCompanies youre complaining about 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 XXXX XXXX ChexSystems XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Credit reporting ( also Other personal reports for Chex/XXXX ). \nIssue : Information belongs to someone else / incorrect information / problem with a credit reporting companys investigation. \n\nBackground & breach context ( attach proofs ) LoanCare Data Breach In re : LoanCare Data Security Breach Litigation, No. XXXX. \n\nXXXX XXXX XXXX XXXX XXXX consolidated consumer actions ( MDL No. : insert when available ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ). \n\nXXXX ( XXXX ) In re XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX. Md. ). \n\nXXXX ( XXXX ) consolidated consumer actions ( XXXX XXXX. : insert when available ). \n\nDark-web & address-change alerts : XX/XX/XXXX ( multiple alerts ) ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. \n\nFTC ID Theft Report : Ref XXXX. Police Report : Case XXXX. \n\nPersonal-information corrections requested ( Metro 2 Code 112 ) Keep only my current legal name and current address ; remove legacy/unauthorized addresses, outdated phone numbers, and the unrelated employer entry. Suppress SSN/DOB from public display.\n\nImproper reinsertion Items previously removed were reinserted without furnisher recertification and without written XXXX notice in violation of 611 ( a ) ( 5 ) ( B ). I request permanent deletion of any item reinserted without full compliance and written proof of certification/notice. \n\nDisputed tradelines ( cross-bureau conflicts / ID-theft indicators ) ( Each item has highlighted bureau pages attached. I request deletion if unverifiable or full MOV with signer-tied authorization. ) XXXX XXXX XXXX. XXXX Authorized User ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  conflicts ( High Credit ; Date Opened ). Remedy : align to AU/Open/Current with correct limit/high credit and dates, or delete. \n\n* * XXXX. XXXX XXXX Credit Card ( Acct XXXX XXXX XXXX ) High credit mismatch ( XXXX vs XXXX  ) ; last-active misaligned. Remedy : correct across bureaus or delete. \n\nXXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXXXXXX ) Charge-off vs closed due to inactivity ; need XXXX and full ledger. Remedy : correct or delete. \n\nXXXX XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXX ) TU shows XXXX  XXXX bankruptcy comment without clear court linkage. Remedy : provide public-record linkage or delete. \n\nXXXX XXXX XXXX XXXXXXXX Mortgage ( Acct XXXX XXXX XXXX ) Status conflicts ( TU Late XXXX / XXXX  Foreclosure / XXXX  Late XXXX ) and differing report dates/comments. Remedy : provide note/ledger/foreclosure docs and align, or delete. \n\nXXXX XXXX XXXX XXXXXXXX XXXX Mortgage ( Acct XXXX XXXX XXXXXXXX ) Multiple field mismatches ( payment, balance, terms, past-due, status, last reported/active, date of last payment ). Remedy : provide note/ledger/escrow & workout docs and reconcile, or delete. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) EX shows XXXX term ; TU shows XXXX term ; last-reported dates differ ; missing entirely on Equifax despite an active $ XXXX XXXX. Remedy : align to Open/Current, XXXX  months, $ XXXX, balance/high credit {$100000.00}, with matching datesor delete. \n\nBankruptcy public record ( remove if unverifiable ) Reference : XXXX ( XXXX  XXXX ) XXXX  show XX/XX/XXXX ; XXXX shows XX/XX/XXXX ; court names conflict. \n\nCourts do not furnish/verify directly with CRAs ; data is scraped by third-party vendors. Identify PACER/vendor, case number, filed/discharge/closure dates, and the exact documents relied upon. If you can not produce competent evidence tying this record to me, delete from all files and downstream products. If reinserted previously, provide 611 ( a ) ( 5 ) ( B ) certification/notice or remove. \n\nHard inquiries to remove/block ( unauthorized / mixed-file ) Provide MOV for each retained hard inquiry ( FCRA 604 permissible-purpose code, furnisher/member code, signed authorization or valid e-signature audit trail with timestamp/IP/device logs ; manual vs automated verification ). If you can not produce authorization, delete or convert to soft, and if theft-related, block under 605B. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX No authorization / no permissible use Delete or reclassify to soft XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XX/XX/XXXX Duplicate / no authorization XXXX XXXX  XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XXXX XX/XX/XXXX No authorization XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX No authorization XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Identity theft / no authorization Block under XXXX XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX XXXX XXXXXX/XX/XXXX No authorization Delete TransUnion XXXX XXXX XX/XX/XXXX No authorization Delete ( Also note prior cross-bureau inquiry mismatches for XXXX  XXXX ( various ), XXXX XXXX XXXXXX/XX/XXXX ), Georgia XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) Specialty banking/identity files ( heavily weighted in business lending ) ChexSystems / XXXX / XXXX  : Provide MOV ( reporting bank, member code, account # /dates, XXXX, signed account agreement, closure/overdraft documentation, internal ledger/return-item records, basis for any fraud coding ). Delete unsupported entries and notify downstream users. \n\nXXXX XXXX : Remove mismatched identifiers/public-record summaries not tied to first-party court documents ; provide sources/timestamps/copies relied upon. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Delete unverifiable entries ; provide application/consent/ledgers/payment histories. \n\nNCTUE : Correct/remove mismatched telecom/utility data ; provide furnisher, account numbers, and billing/delinquency proof. \n\nSignature/authorization proof ( required for any item you keep ) For every retained tradeline and inquiry, provide competent evidence that I authorized it : Signed application/contract ( wet ink ) or valid e-signature that complies with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( timestamps, IP/device/browser, MFA/OTP logs, exact doc version ) ; XXXX steps used ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ; Furnisher member code and permissible-purpose code for each inquiry ; Internal underwriting/system notes linking the authorization to my identity and the full payment ledger/first-use records. \nIf you can not produce the above, delete the item and provide written confirmation.","date_sent_to_company":"2025-10-07T08:15:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"16427044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-10-07T08:03:12.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB Complaint Credit Reporting ( Big XXXX + Specialty Bureaus ) What happened ( brief <em>narrative</em> for the portal ) I am disputing inaccurate, incomplete, and unverifiable information across TransUnion, Experian, <em>Equifax</em>, and several specialty banking/identity bureaus."]},"sort":[6.268513,"16427044"]},{"_index":"complaint-public-v1","_id":"16426090","_score":5.8004427,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Credit Reporting ( Big XXXX + Specialty Bureaus ) What happened ( brief narrative for the portal ) I am disputing inaccurate, incomplete, and unverifiable information across TransUnion, Experian, Equifax, and several specialty banking/identity bureaus. I have documented identity-theft indicators tied to multiple data breaches ( XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) and dark-web/address-change alerts ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). Items previously deleted were later reinserted without furnisher certification or XXXX notice, violating FCRA 611 ( a ) ( 5 ) ( B ). \n\nBecause banks and XXXX lenders also check XXXX and XXXX ( not just XXXX XXXX XXXX CRAs ), bad data in these files is causing, or likely to cause, automatic business-credit denials. I submitted disputes/freezes to prevent harm and asked for Method of Verification ( MOV ) and first-party signature/authorization proof for each retained tradeline and hard inquiry. The bureaus have not provided the required documentation. \n\nI am requesting deletion/blocking of unverifiable or identity-theft items, correction of cross-bureau inconsistencies, confirmation of freezes/opt-outs across specialty files, and a written XXXX  showing signed applications/contracts ( or valid e-signature audit trails ) for every retained account and hard inquiry. \n\nCompanies youre complaining about 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : Credit reporting ( also Other personal reports for XXXX XXXX \nIssue : Information belongs to someone else / incorrect information / problem with a credit reporting companys investigation. \n\nBackground & breach context ( attach proofs ) XXXX XXXX Breach In re : XXXX XXXX XXXX XXXX XXXX, No. XXXX. \n\nXXXX XXXX XXXX XXXX XXXX consolidated consumer actions ( MDL No. : insert when available ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nXXXX ( XXXX ) In re XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX. Md. ). \n\nXXXX  ( XXXX ) consolidated consumer actions ( XXXX XXXX. : insert when available ). \n\nDark-web & address-change alerts : XX/XX/XXXX ( multiple alerts ) ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. \n\nFTC ID Theft Report : Ref XXXX. Police Report : Case XXXX. \n\nPersonal-information corrections requested ( Metro 2 Code 112 ) Keep only my current legal name and current address ; remove legacy/unauthorized addresses, outdated phone numbers, and the unrelated employer entry. Suppress SSN/DOB from public display. \n\nImproper reinsertion Items previously removed were reinserted without furnisher recertification and without written XXXX notice in violation of 611 ( a ) ( 5 ) ( B ). I request permanent deletion of any item reinserted without full compliance and written proof of certification/notice. \n\nDisputed tradelines ( cross-bureau conflicts / ID-theft indicators ) ( Each item has highlighted bureau pages attached. I request deletion if unverifiable or full XXXX  with signer-tied authorization. ) XXXX XXXX XXXX XXXX Authorized User ( Acct XXXX XXXX XXXX ) TXXXX XXXX XXXX conflicts ( High Credit ; Date Opened ). Remedy : align to AU/Open/Current with correct limit/high credit and dates, or delete. \n\nXXXX XXXX XXXX. XXXX XXXX Credit Card ( Acct XXXX XXXX XXXX ) High credit mismatch ( XXXX vs XXXX  ) ; last-active misaligned. Remedy : correct across bureaus or delete. \n\nXXXX XXXX  XXXX. XXXX ( Acct XXXX XXXX XXXXXXXX ) Charge-off vs closed due to inactivity ; need XXXX and full ledger. Remedy : correct or delete. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TU shows Chapter XXXX bankruptcy comment without clear court linkage. Remedy : provide public-record linkage or delete. \n\n* * XXXX. XXXX Mortgage ( Acct * * XXXX ) Status conflicts ( TU Late XXXX / EX Foreclosure / XXXX  Late XXXX ) and differing report dates/comments. Remedy : provide note/ledger/foreclosure docs and align, or delete. \n\nXXXX XXXX XXXXXXXX. XXXX XXXX Mortgage ( Acct XXXX XXXX XXXXXXXX ) Multiple field mismatches ( payment, balance, terms, past-due, status, last reported/active, date of last payment ). Remedy : provide note/ledger/escrow & workout docs and reconcile, or delete. \n\nXXXX XXXX  XXXX. XXXX XXXX XXXX ( Acct XXXX XXXX XXXX ) XXXX  shows XXXX term ; TU shows XXXX term ; last-reported dates differ ; missing entirely on Equifax despite an active $ XXXX XXXX. Remedy : align to Open/Current, XXXX XXXX $ XXXX, balance/high credit {$100000.00}, with matching datesor delete. \n\nBankruptcy public record ( remove if unverifiable ) Reference : XXXX ( XXXX  XXXX ) XXXX show XX/XX/XXXX ; XXXX  shows XX/XX/XXXX ; court names conflict. \n\nCourts do not furnish/verify directly with CRAs ; data is scraped by third-party vendors. Identify PACER/vendor, case number, filed/discharge/closure dates, and the exact documents relied upon. If you can not produce competent evidence tying this record to me, delete from all files and downstream products. If reinserted previously, provide 611 ( a ) ( 5 ) ( B ) certification/notice or remove. \n\nHard inquiries to remove/block ( unauthorized / mixed-file ) Provide XXXX  for each retained hard inquiry ( FCRA 604 permissible-purpose code, furnisher/member code, signed authorization or valid e-signature audit trail with timestamp/IP/device logs ; manual vs automated verification ). If you can not produce authorization, delete or convert to soft, and if theft-related, block under XXXX05B.\n\nBureau Company / Creditor Date Basis of Dispute Requested Action XXXX  XXXX XXXX XX/XX/XXXX No authorization / no permissible use Delete or reclassify to soft XXXX  XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XX/XX/XXXX Duplicate / no authorization XXXX XXXX  XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XXXX XX/XX/XXXX No authorization Delete TransUnion XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX XXXX XXXX  XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Identity theft / no authorization Block under 605B TransUnion XXXX XXXX XX/XX/XXXX No authorization Delete TransUnion XXXX/XXXX  XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XX/XX/XXXX No authorization Delete ( Also note prior cross-bureau inquiry mismatches for XXXX  XXXX ( various ), XXXX ( XX/XX/XXXX ), Georgia XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) Specialty banking/identity files ( heavily weighted in business lending ) XXXX / XXXX / XXXX  : Provide MOV ( reporting bank, member code, account # /dates, XXXX, signed account agreement, closure/overdraft documentation, internal ledger/return-item records, basis for any fraud coding ). Delete unsupported entries and notify downstream users. \n\nXXXX XXXX : Remove mismatched identifiers/public-record summaries not tied to first-party court documents ; provide sources/timestamps/copies relied upon. \n\nXXXX XXXX XXXX XXXX XXXX  XXXX / XXXX  : Delete unverifiable entries ; provide application/consent/ledgers/payment histories. \n\nNCTUE : Correct/remove mismatched telecom/utility data ; provide furnisher, account numbers, and billing/delinquency proof. \n\nSignature/authorization proof ( required for any item you keep ) For every retained tradeline and inquiry, provide competent evidence that I authorized it : Signed application/contract ( wet ink ) or valid e-signature that complies with the E-SIGN Act ; E-signature XXXX XXXX ( timestamps, IP/device/browser, XXXX logs, exact doc version ) ; XXXX steps used ( KBA, ID upload, geolocation, video KYC ) ; Furnisher member code and permissible-purpose code for each inquiry ; Internal underwriting/system notes linking the authorization to my identity and the full payment ledger/first-use records. \nIf you can not produce the above, delete the item and provide written confirmation.","date_sent_to_company":"2025-10-07T08:15:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"16426090","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2025-10-07T08:14:36.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB Complaint Credit Reporting ( Big XXXX + Specialty Bureaus ) What happened ( brief <em>narrative</em> for the portal ) I am disputing inaccurate, incomplete, and unverifiable information across TransUnion, Experian, <em>Equifax</em>, and several specialty banking/identity bureaus."]},"sort":[5.8004427,"16426090"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":9,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":9}]}},"product":{"doc_count":9,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","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":9,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":6}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1,"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":1}]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}}]}},"timely":{"doc_count":9,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":9}]}},"company_response":{"doc_count":9,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":7},{"key":"Closed with non-monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":9,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":9}]}},"company":{"doc_count":9,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":3},{"key":"Experian Information Solutions Inc.","doc_count":2},{"key":"FISERV FINXACT CORE","doc_count":1},{"key":"Fidelity National Information Services, Inc. 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