{"took":386,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":80,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15165199","_score":17.845688,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally disputing the accuracy, legality, and reinsertion of the following account being reported on my TransUnion credit file : -- - Furnisher : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : XXXX  ( Credit Card ) Date Opened : XX/XX/year>2025 Balance : {$0.00} Status : Closed Late 60 Days Date Last Active : XX/XX/year>2025 Date of Last Payment : XX/XX/year>2025 Last Reported : XX/XX/year>2025 Comment : Account closed by consumer -- - Dispute Grounds : Illegal Reinsertion Previously Deleted ( FCRA 611 ( a ) ( 5 ) ( B ) ) This account was previously disputed, investigated, and deleted in XXXX and again in XXXX. \nRe-reporting this item without proper notice is a violation of the FCRA. You are required by law to notify me within 5 business days if a previously deleted account is reinserted. I never received this notification.\n\n2. Factual Inaccuracy Contradictory Reporting This account is factually inaccurate and misleading for the following reasons : The balance is {$0.00}, status is closed by consumer, yet it reports a 60-day late, which is logically and factually inconsistent.\n\nIf the account was closed and paid off, no new delinquencies should be reported post-closure.\n\nPayment status and dates contradict each other and create a false narrative of my credit behavior.\n\n3. No Permissible Purpose to Report Inaccurate Data ( FCRA 1681b ) XXXX and TransUnion have no permissible purpose to continue furnishing inaccurate, incomplete, and damaging information about a closed account. This is not only misleading but a direct violation of my privacy and consumer rights.\n\n4. Violation of XXXX XXXX Compliance / Maximum Accuracy ( FCRA 1681e ( b ) ) The account is only reporting to TransUnion and not to XXXX  or XXXX. The XXXX XXXX standard, which you are obligated to follow as a data furnisher, requires uniformity and maximum accuracy across all credit reporting agencies. Selective and inconsistent reporting violates FCRAs accuracy provisions. \n5. Continued Reporting Creates Consumer Harm and Liability The reappearance of this item is causing measurable harm, including denial of credit opportunities and unfavorable terms. Continued willful noncompliance opens you and the furnisher to liability under FCRA 1681n ( willful violations ) and 1681o ( negligent noncompliance ).","date_sent_to_company":"2025-08-08T20:09:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"15165199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-08T20:04:51.000Z","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":["Payment status and dates contradict each other and create a false <em>narrative</em> of my credit behavior.\n\n3. No Permissible Purpose to Report Inaccurate Data ( <em>FCRA</em> 1681b ) XXXX and <em>TransUnion</em> have no permissible purpose to continue furnishing inaccurate, incomplete, and damaging information about a closed account. This is not only misleading but a <em>direct</em> <em>violation</em> of my privacy and consumer rights.\n\n4."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.845688,"15165199"]},{"_index":"complaint-public-v1","_id":"14015681","_score":17.14015,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for inaccurately and inconsistently reporting my XXXX XXXX XXXX ( XXXX XXXX  ) account XXXX. Despite paying off this account in full, TransUnion continues to reflect misleading and damaging derogatory information. \nAccording to the TransUnion credit report dated XX/XX/XXXX, the XXXXXXXX XXXX account shows a balance of {$0.00}, a last payment date of XX/XX/XXXX, and remarks stating, PAID IN FULL/WAS A CHARGE OFF. This notation is deceptive and contradicts Metro 2 Format ( FAQ 45 ), which clearly states that charge-offs must only reflect an unpaid principal NOT late fees or penalties. In my case, the principal balance was only {$1.00}, and the rest was attributed to fees. \nThe report also shows the account was closed on XX/XX/XXXX, before the last payment on XX/XX/XXXX. This inconsistency indicates re-aging and inaccurate reporting. Furthermore, this data creates a false derogatory narrative even though I satisfied the debt entirely, and the account should not carry any remaining negative status under the FCRA. \nAdditionally, no positive payment history is reflected for several years. This further violates the FCRA and undermines my right to a fair and accurate credit profile. I have made multiple attempts to correct this, yet TransUnion has failed to reinvestigate and resolve the issue properly, despite my documented disputes and supporting documentation. \nThis is a direct violation of the following provisions : - FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy - FCRA 1681i ( a ) : Failure to conduct a proper reinvestigation - FCRA 1681s-2 ( a ) : Furnishing information known to be inaccurate - Metro 2 Format ( FAQ 35, 45 ) : Re-aging and improper charge-off practices Attached to this complaint are copies of my most recent TransUnion credit report, letters from XXXX XXXX stating the balance were reflecting paid in full which it is not, a letter regarding proof junk fees, and a letter amongst many of proof that I have tried to resolve. I request that the CFPB take immediate corrective action to investigate TransUnions handling of this matter and to DELETE the account. \nIf this is not resolved, I am prepared to escalate with the FTC, my State Attorney General, and pursue legal action under FCRA 616 and 617 for negligent and willful noncompliance.\n\nThank you for your time and assistance in addressing this matter.","date_sent_to_company":"2025-06-11T21:41:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76052","tags":null,"has_narrative":true,"complaint_id":"14015681","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-11T21:17:55.000Z","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":["This is a <em>direct</em> <em>violation</em> of the following provisions : - <em>FCRA</em> 1681e ( b ) : Failure to ensure maximum possible accuracy - <em>FCRA</em> 1681i ( a ) : Failure to conduct a proper reinvestigation - <em>FCRA</em> 1681s-2 ( a ) : Furnishing information known to be inaccurate - Metro 2 Format ( FAQ 35, 45 ) : Re-aging and improper charge-off practices Attached to this complaint are copies of my most recent <em>TransUnion</em> credit report, letters from XXXX XXXX stating the balance were reflecting paid in full which it is not"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.14015,"14015681"]},{"_index":"complaint-public-v1","_id":"13827840","_score":17.127369,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding the inaccurate and conflicting reporting of a XXXX XXXX XXXX loan on my TransUnion, Experian, and Equifax credit reports. The account has been charged off, but is still being reported with multiple factual inconsistencies and misleading payment histories. \n\nInaccuracies Identified : Different open dates and last activity/payment dates across all bureaus. \n\nInconsistent high credit between Equifax and the other bureaus.\n\nContradictory comments : one bureau says the car was repossessed, another simply says charged off.\n\nSame balance listed as both \" owed '' and \" charged off '', with no update on repossession or settlement.\n\nExperian shows all months as charge-off while Equifax shows all months as on-time prior to default. \n\nViolations Cited : FCRA 607 ( b ) Inaccurate and inconsistent information FCRA 623 ( a ) ( 1 ) ( A ) Reporting data known to be inaccurate FCRA 623 ( a ) ( 2 ) Failure to update and correct FCRA 623 ( a ) ( 5 ) Faulty payment history FCRA 611 ( a ) Unverifiable data must be deleted FDCPA 807 ( 8 ) Misleading credit/debt reporting Requested Relief : I respectfully request the CFPB to : Investigate XXXX XXXX  credit reporting across TransUnion, Experian, and Equifax Direct the credit bureaus to permanently delete this account from my credit reports due to legal violations and unverifiable conflicting data Confirm the removal and prevent any future re-reporting of this inaccurate tradeline Inaccuracies & Violations XXXX XXXX 1 . Inconsistent Date Opened TransUnion : XX/XX/XXXX Experian & Equifax : XX/XX/XXXX Violation : FCRA 607 ( b ) Information must be reported with maximum possible accuracy. \nWhy this matters : Open dates affect credit age and payment history calculations. \n\n2. Inconsistent High Credit TransUnion : {$11000.00} Experian : {$11000.00} Equifax : {$7100.00} Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know to be inaccurate. \nWhy this matters : Discrepant high credit values create an unfair view of your past credit utilization. \n\n3. Account Comments Conflict TransUnion : Charged off as bad debt profit and loss write-off Experian : Merchandise was taken back by credit grantor ; there may be a balance due Equifax : Charged off account Auto Violation : FCRA 607 ( b ) Narrative reporting must be factually consistent. \nWhy this matters : Conflicting repossession vs. charge-off narratives create confusion over the account 's disposition. \n\n4. Date of Last Payment / Activity Does Not Match TransUnion : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Experian : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Equifax : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Violation : FCRA 623 ( a ) ( 2 ) Furnishers must update and correct inaccurate or inconsistent data. \nWhy this matters : Inconsistent last activity and payment dates can misrepresent how long the account has been delinquent, which affects FCRA 605 ( a ) removal eligibility ( 7 years from DOFD ). \n\n5. All Bureaus Show the Same Balance & Past Due After Charge-Off Balance = {$7100.00} Past Due = {$7100.00} Violation : FCRA 607 ( b ) Charged-off debt should not still be listed as actively due unless validated. \n\nFDCPA 807 ( 8 ) Misleading to report debt as currently owed if charged off or recovered ( repossession ). \nWhy this matters : This may double-report the debt one as a charge-off and another as actively owed, which is deceptive. \n\n6. Payment History Conflict Experian : All months listed as CO ( Charge-Off ) from XX/XX/XXXX through XX/XX/XXXX Equifax : All months show XXXX  up to XX/XX/XXXX Violation : FCRA 623 ( a ) ( 5 ) Accurate payment history must be provided.\n\nFCRA 611 ( a ) Unverifiable or contradictory data must be deleted. \nWhy this matters : Two completely different payment histories cant be accurate simultaneously. This supports deletion under FCRA. \n\nSummary of FCRA & FDCPA Violations Law Violation FCRA 607 ( b ) Inconsistent dates, balances, payment history, and comments FCRA 623 ( a ) ( 1 ) ( A ) Reporting known inaccuracies FCRA 623 ( a ) ( 2 ) Failure to update or correct false data FCRA 623 ( a ) ( 5 ) Inaccurate payment history FCRA 611 ( a ) Data that cant be verified must be deleted FDCPA 807 ( 8 ) Misleading representation of debt or payment obligations","date_sent_to_company":"2025-05-31T22:47:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33844","tags":null,"has_narrative":true,"complaint_id":"13827840","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-31T22:47:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Account Comments Conflict <em>TransUnion</em> : Charged off as bad debt profit and loss write-off Experian : Merchandise was taken back by credit grantor ; there may be a balance due Equifax : Charged off account Auto <em>Violation</em> : <em>FCRA</em> 607 ( b ) <em>Narrative</em> reporting must be factually consistent. \nWhy this matters : Conflicting repossession vs. charge-off <em>narratives</em> create confusion over the account 's disposition. \n\n4."]},"sort":[17.127369,"13827840"]},{"_index":"complaint-public-v1","_id":"13823768","_score":17.127369,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding the inaccurate and conflicting reporting of a XXXX XXXX XXXX loan on my TransUnion, Experian, and Equifax credit reports. The account has been charged off, but is still being reported with multiple factual inconsistencies and misleading payment histories. \n\nInaccuracies Identified : Different open dates and last activity/payment dates across all bureaus. \n\nInconsistent high credit between Equifax and the other bureaus.\n\nContradictory comments : one bureau says the car was repossessed, another simply says charged off.\n\nSame balance listed as both \" owed '' and \" charged off '', with no update on repossession or settlement.\n\nExperian shows all months as charge-off while Equifax shows all months as on-time prior to default. \n\nViolations Cited : FCRA 607 ( b ) Inaccurate and inconsistent information FCRA 623 ( a ) ( 1 ) ( A ) Reporting data known to be inaccurate FCRA 623 ( a ) ( 2 ) Failure to update and correct FCRA 623 ( a ) ( 5 ) Faulty payment history FCRA 611 ( a ) Unverifiable data must be deleted FDCPA 807 ( 8 ) Misleading credit/debt reporting Requested Relief : I respectfully request the CFPB to : Investigate XXXX XXXX  credit reporting across TransUnion, Experian, and Equifax Direct the credit bureaus to permanently delete this account from my credit reports due to legal violations and unverifiable conflicting data Confirm the removal and prevent any future re-reporting of this inaccurate tradeline Inaccuracies & Violations XXXX XXXX 1 . Inconsistent Date Opened TransUnion : XX/XX/XXXX Experian & Equifax : XX/XX/XXXX Violation : FCRA 607 ( b ) Information must be reported with maximum possible accuracy. \nWhy this matters : Open dates affect credit age and payment history calculations. \n\n2. Inconsistent High Credit TransUnion : {$11000.00} Experian : {$11000.00} Equifax : {$7100.00} Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know to be inaccurate. \nWhy this matters : Discrepant high credit values create an unfair view of your past credit utilization. \n\n3. Account Comments Conflict TransUnion : Charged off as bad debt profit and loss write-off Experian : Merchandise was taken back by credit grantor ; there may be a balance due Equifax : Charged off account Auto Violation : FCRA 607 ( b ) Narrative reporting must be factually consistent. \nWhy this matters : Conflicting repossession vs. charge-off narratives create confusion over the account 's disposition. \n\n4. Date of Last Payment / Activity Does Not Match TransUnion : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Experian : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Equifax : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Violation : FCRA 623 ( a ) ( 2 ) Furnishers must update and correct inaccurate or inconsistent data. \nWhy this matters : Inconsistent last activity and payment dates can misrepresent how long the account has been delinquent, which affects FCRA 605 ( a ) removal eligibility ( 7 years from DOFD ). \n\n5. All Bureaus Show the Same Balance & Past Due After Charge-Off Balance = {$7100.00} Past Due = {$7100.00} Violation : FCRA 607 ( b ) Charged-off debt should not still be listed as actively due unless validated. \n\nFDCPA 807 ( 8 ) Misleading to report debt as currently owed if charged off or recovered ( repossession ). \nWhy this matters : This may double-report the debt one as a charge-off and another as actively owed, which is deceptive. \n\n6. Payment History Conflict Experian : All months listed as CO ( Charge-Off ) from XX/XX/XXXX through XX/XX/XXXX Equifax : All months show XXXX  up to XX/XX/XXXX Violation : FCRA 623 ( a ) ( 5 ) Accurate payment history must be provided.\n\nFCRA 611 ( a ) Unverifiable or contradictory data must be deleted. \nWhy this matters : Two completely different payment histories cant be accurate simultaneously. This supports deletion under FCRA. \n\nSummary of FCRA & FDCPA Violations Law Violation FCRA 607 ( b ) Inconsistent dates, balances, payment history, and comments FCRA 623 ( a ) ( 1 ) ( A ) Reporting known inaccuracies FCRA 623 ( a ) ( 2 ) Failure to update or correct false data FCRA 623 ( a ) ( 5 ) Inaccurate payment history FCRA 611 ( a ) Data that cant be verified must be deleted FDCPA 807 ( 8 ) Misleading representation of debt or payment obligations","date_sent_to_company":"2025-05-31T22:47:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33844","tags":null,"has_narrative":true,"complaint_id":"13823768","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-31T22:33:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Account Comments Conflict <em>TransUnion</em> : Charged off as bad debt profit and loss write-off Experian : Merchandise was taken back by credit grantor ; there may be a balance due Equifax : Charged off account Auto <em>Violation</em> : <em>FCRA</em> 607 ( b ) <em>Narrative</em> reporting must be factually consistent. \nWhy this matters : Conflicting repossession vs. charge-off <em>narratives</em> create confusion over the account 's disposition. \n\n4."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.127369,"13823768"]},{"_index":"complaint-public-v1","_id":"13825877","_score":17.092348,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding the inaccurate and conflicting reporting of a XXXX XXXX XXXX loan on my TransUnion, Experian, and Equifax credit reports. The account has been charged off, but is still being reported with multiple factual inconsistencies and misleading payment histories. \n\nInaccuracies Identified : Different open dates and last activity/payment dates across all bureaus. \n\nInconsistent high credit between Equifax and the other bureaus.\n\nContradictory comments : one bureau says the car was repossessed, another simply says charged off.\n\nSame balance listed as both \" owed '' and \" charged off '', with no update on repossession or settlement.\n\nExperian shows all months as charge-off while Equifax shows all months as on-time prior to default. \n\nViolations Cited : FCRA 607 ( b ) Inaccurate and inconsistent information FCRA 623 ( a ) ( 1 ) ( A ) Reporting data known to be inaccurate FCRA 623 ( a ) ( 2 ) Failure to update and correct FCRA 623 ( a ) ( 5 ) Faulty payment history FCRA 611 ( a ) Unverifiable data must be deleted FDCPA 807 ( 8 ) Misleading credit/debt reporting Requested Relief : I respectfully request the CFPB to : Investigate XXXX XXXX  credit reporting across TransUnion, Experian, and Equifax Direct the credit bureaus to permanently delete this account from my credit reports due to legal violations and unverifiable conflicting data Confirm the removal and prevent any future re-reporting of this inaccurate tradeline Inaccuracies & Violations XXXX XXXX 1 . Inconsistent Date Opened TransUnion : XX/XX/XXXX Experian & Equifax : XX/XX/XXXX Violation : FCRA 607 ( b ) Information must be reported with maximum possible accuracy. \nWhy this matters : Open dates affect credit age and payment history calculations. \n\n2. Inconsistent High Credit TransUnion : {$11000.00} Experian : {$11000.00} Equifax : {$7100.00} Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know to be inaccurate. \nWhy this matters : Discrepant high credit values create an unfair view of your past credit utilization. \n\n3. Account Comments Conflict TransUnion : Charged off as bad debt profit and loss write-off Experian : Merchandise was taken back by credit grantor ; there may be a balance due Equifax : Charged off account Auto Violation : FCRA 607 ( b ) Narrative reporting must be factually consistent. \nWhy this matters : Conflicting repossession vs. charge-off narratives create confusion over the account 's disposition. \n\n4. Date of Last Payment / Activity Does Not Match TransUnion : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Experian : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Equifax : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Violation : FCRA 623 ( a ) ( 2 ) Furnishers must update and correct inaccurate or inconsistent data. \nWhy this matters : Inconsistent last activity and payment dates can misrepresent how long the account has been delinquent, which affects FCRA 605 ( a ) removal eligibility ( 7 years from DOFD ). \n\n5. All Bureaus Show the Same Balance & Past Due After Charge-Off Balance = {$7100.00} Past Due = {$7100.00} Violation : FCRA 607 ( b ) Charged-off debt should not still be listed as actively due unless validated. \n\nFDCPA 807 ( 8 ) Misleading to report debt as currently owed if charged off or recovered ( repossession ). \nWhy this matters : This may double-report the debt one as a charge-off and another as actively owed, which is deceptive. \n\n6. Payment History Conflict Experian : All months listed as CO ( Charge-Off ) from XX/XX/XXXX through XX/XX/XXXX Equifax : All months show XXXX  up to XX/XX/XXXX Violation : FCRA 623 ( a ) ( 5 ) Accurate payment history must be provided.\n\nFCRA 611 ( a ) Unverifiable or contradictory data must be deleted. \nWhy this matters : Two completely different payment histories cant be accurate simultaneously. This supports deletion under FCRA. \n\nSummary of FCRA & FDCPA Violations Law Violation FCRA 607 ( b ) Inconsistent dates, balances, payment history, and comments FCRA 623 ( a ) ( 1 ) ( A ) Reporting known inaccuracies FCRA 623 ( a ) ( 2 ) Failure to update or correct false data FCRA 623 ( a ) ( 5 ) Inaccurate payment history FCRA 611 ( a ) Data that cant be verified must be deleted FDCPA 807 ( 8 ) Misleading representation of debt or payment obligations","date_sent_to_company":"2025-05-31T22:47:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33844","tags":null,"has_narrative":true,"complaint_id":"13825877","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-31T22:47:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Account Comments Conflict <em>TransUnion</em> : Charged off as bad debt profit and loss write-off Experian : Merchandise was taken back by credit grantor ; there may be a balance due Equifax : Charged off account Auto <em>Violation</em> : <em>FCRA</em> 607 ( b ) <em>Narrative</em> reporting must be factually consistent. \nWhy this matters : Conflicting repossession vs. charge-off <em>narratives</em> create confusion over the account 's disposition. \n\n4."]},"sort":[17.092348,"13825877"]},{"_index":"complaint-public-v1","_id":"16972439","_score":16.949474,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX tradeline ( # XXXX ) is currently under active dispute with TransUnion and Equifax. Despite the open reinvestigation, neither bureau has provided the required Method-of-Verification ( MOV ) documentation within the 15-day statutory period under FCRA 611 ( a ) ( 7 ). \n\nOn XX/XX/year>, I sent a certified Dispute and Request for Validation directly to XXXX XXXX XXXX XXXX, which was received and signed by XXXX XXXX on XX/XX/year>. XXXX XXXX never provided validation or ownership documentation within the required time period under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( AE ). \n\nOn XX/XX/year>, I submitted a Formal Method of Verification ( MOV ) request to TransUnion, requesting full verification records, including e-OSCAR/ACDV data , the furnishers verification contact, and proof that the tradeline was marked Consumer disputes this account. TransUnion did not respond within the statutory 15-day period. \n\nOn XX/XX/year>, I filed CFPB Complaint # XXXX regarding the same issue. XXXX XXXX responded to the Bureau on XX/XX/XXXX, providing only a brief narrative referencing phone calls and home visits but no documents or validation a third verification failure within a federal process. \n\nOn XX/XX/year>, a parallel MOV was sent to Equifax, which also failed to produce verification results. \n\nAs of XX/XX/year>, TransUnion and Equifax continue to report this XXXX XXXX account as Charged Off {$3000.00} with no Consumer disputes this account notation, violating FCRA 623 ( a ) ( 3 ), 623 ( b ) ( 1 ) ( AE ), and 611 ( a ) ( 7 ). XXXX  has already deleted the tradeline, confirming its unverifiable status.\n\nI now request that the CFPB direct TransUnion to furnish all Method-of-Verification results, including e-OSCAR logs, chain-of-custody documents, and validation materials, within this CFPB complaint record for supervisory review and public transparency.\n\nBecause XXXX  has already deleted the same XXXX XXXX tradeline as unverifiable, TransUnions and Equifax continued reporting contradicts inter-bureau consistency under FCRA 607 ( b ), evidencing systemic data accuracy failure.","date_sent_to_company":"2025-11-03T03:08:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78233","tags":"Servicemember","has_narrative":true,"complaint_id":"16972439","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-03T02:35:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["As of XX/XX/year>, <em>TransUnion</em> and Equifax continue to report this XXXX XXXX account as Charged Off {$3000.00} with no Consumer disputes this account notation, <em>violating</em> <em>FCRA</em> 623 ( a ) ( 3 ), 623 ( b ) ( 1 ) ( AE ), and 611 ( a ) ( 7 ). XXXX  has already deleted the tradeline, confirming its unverifiable status."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[16.949474,"16972439"]},{"_index":"complaint-public-v1","_id":"16971482","_score":16.949474,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX tradeline ( # XXXX ) is currently under active dispute with TransUnion and Equifax. Despite the open reinvestigation, neither bureau has provided the required Method-of-Verification ( MOV ) documentation within the 15-day statutory period under FCRA 611 ( a ) ( 7 ). \n\nOn XX/XX/year>, I sent a certified Dispute and Request for Validation directly to XXXX XXXX XXXX XXXX, which was received and signed by XXXX XXXX on XX/XX/year>. XXXX XXXX never provided validation or ownership documentation within the required time period under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( AE ). \n\nOn XX/XX/year>, I submitted a Formal Method of Verification ( MOV ) request to TransUnion, requesting full verification records, including e-OSCAR/ACDV data , the furnishers verification contact, and proof that the tradeline was marked Consumer disputes this account. TransUnion did not respond within the statutory 15-day period. \n\nOn XX/XX/year>, I filed CFPB Complaint # XXXX regarding the same issue. XXXX XXXX responded to the Bureau on XX/XX/XXXX, providing only a brief narrative referencing phone calls and home visits but no documents or validation a third verification failure within a federal process. \n\nOn XX/XX/year>, a parallel MOV was sent to Equifax, which also failed to produce verification results. \n\nAs of XX/XX/year>, TransUnion and Equifax continue to report this XXXX XXXX account as Charged Off {$3000.00} with no Consumer disputes this account notation, violating FCRA 623 ( a ) ( 3 ), 623 ( b ) ( 1 ) ( AE ), and 611 ( a ) ( 7 ). XXXX  has already deleted the tradeline, confirming its unverifiable status.\n\nI now request that the CFPB direct TransUnion to furnish all Method-of-Verification results, including e-OSCAR logs, chain-of-custody documents, and validation materials, within this CFPB complaint record for supervisory review and public transparency.\n\nBecause XXXX  has already deleted the same XXXX XXXX tradeline as unverifiable, TransUnions and Equifax continued reporting contradicts inter-bureau consistency under FCRA 607 ( b ), evidencing systemic data accuracy failure.","date_sent_to_company":"2025-11-03T03:08:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78233","tags":"Servicemember","has_narrative":true,"complaint_id":"16971482","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-03T03:07:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["As of XX/XX/year>, <em>TransUnion</em> and Equifax continue to report this XXXX XXXX account as Charged Off {$3000.00} with no Consumer disputes this account notation, <em>violating</em> <em>FCRA</em> 623 ( a ) ( 3 ), 623 ( b ) ( 1 ) ( AE ), and 611 ( a ) ( 7 ). XXXX  has already deleted the tradeline, confirming its unverifiable status."]},"sort":[16.949474,"16971482"]},{"_index":"complaint-public-v1","_id":"14352945","_score":16.486355,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Disclosure : As a consumer fully exercising my rights under the Fair Credit Reporting Act, I am documenting each step in preparation for formal legal escalation, if necessary. \n\nClarification : This complaint is separate and distinct from any previously filed complaints against TransUnion. It addresses new violations and failures, specifically TransUnions refusal to provide verification documentation in response to a formal and lawful request under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ). It is not duplicative in subject matter or legal basis.\n\nSubject : Complaint against TransUnion for Improper Handling of Spring Oaks Capital Dispute FCRA Violations 611, 623 and Refusal to Submit Verification Documentation Despite My Formal and Lawful Request Under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) Narrative : I am filing this complaint against TransUnion for its improper reinvestigation and continued reporting of a disputed account furnished by XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX ). Despite submitting evidence that clearly disqualifies this account from consumer credit reporting, TransUnion marked the account as verified as accurate without providing any documentation or explanation.\n\nTimeline & Evidence : On XX/XX/year>, I sent a certified dispute directly to XXXX XXXX XXXX, which remains unanswered a violation of FCRA 623 ( a ) ( 8 ). \nIn my dispute letter to TransUnion dated XX/XX/year>, I specifically requested verification of the original signed agreement. TransUnion failed to obtain or acknowledge this critical document, which as I now provide clearly states the funds were not for personal, family, or household use. \nThis proves the debt is commercial in nature and therefore not subject to consumer credit reporting under the Fair Credit Reporting Act. \nOn XX/XX/year>, I filed a CFPB complaint ( ID # XXXX ) against XXXX XXXX XXXX XXXX which remains unresolved. \nOn XX/XX/year>, TransUnion closed its reinvestigation and issued results stating the account was verified as accurate and updated, yet provided no documentation or acknowledgment of the commercial-use clause in the loan agreement. \nDue to TransUnions non-compliance with my documentation request, I sent a formal verification demand letter, citing violations of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), 611 ( a ) ( 5 ) ( A ), and 616 & 617. I explicitly requested the documentation used to verify the account, the method of verification, and the name of the party who confirmed the information.\n\nTransUnion has refused to provide any of this information, despite my formal and lawful request under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ).\n\nAny attestation that this information was verified as accurate or updated without substantiating records may constitute false testimony, constructive fraud, or deceptive business practices. This is particularly concerning given that XXXX XXXX XXXX has failed to respond to both my direct dispute and my prior CFPB complaint. This suggests that TransUnions verification process was not only inadequate but potentially misleading. \n\nI am not seeking unnecessary conflict I am requesting only the lawful correction of inaccurate and unverified information. If TransUnion deletes the account in full and in good faith, I will consider the matter fully resolved and take no further action regarding this issue.","date_sent_to_company":"2025-06-28T17:47:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11214","tags":null,"has_narrative":true,"complaint_id":"14352945","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-28T17:35:05.000Z","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":["Subject : Complaint against <em>TransUnion</em> for Improper Handling of Spring Oaks Capital Dispute <em>FCRA</em> <em>Violations</em> 611, 623 and Refusal to Submit Verification Documentation Despite My Formal and Lawful Request Under <em>FCRA</em> 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ) <em>Narrative</em> : I am filing this complaint against <em>TransUnion</em> for its improper reinvestigation and continued reporting of a disputed account furnished by XXXX XXXX XXXX XXXX XXXX ( account ending in XXXX )."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[16.486355,"14352945"]},{"_index":"complaint-public-v1","_id":"15511463","_score":16.144455,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : TransUnion Willful Verification of a Tradeline Without a Furnisher Complaint Type : Supplemental complaint to CFPB Complaint ID # XXXX Product : Credit reporting or other personal consumer reports Issue : Failure to conduct reasonable reinvestigation ; inaccurate reporting Narrative : This complaint is directed against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., relating to its handling of the XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX tradeline. \n\nOn XX/XX/XXXX, XXXX submitted a written response to CFPB Complaint ID # XXXX, in which it unequivocally stated : On XX/XX/XXXX, the LOC was sold to a third-party debt buyer, XXXX, XXXX ( XXXX ). \n\nXXXX is no longer servicing the XXXX since it is not currently owned by XXXXXXXX XXXX \n\nXXXX has not attempted to collect on XXXX debt since the XXXX was sold to XXXX. \n\nBy its own admission, XXXX no longer owns, services, or furnishes information regarding this account. \n\nDespite this, TransUnion issued dispute results dated XX/XX/XXXX, in which it verified this tradeline as accurate and continued to report it as Purchased by another lender and Paid Collection. TransUnion represented that this tradeline was verified by the furnisher. If XXXX is no longer furnishingas its written response to a federal regulator confirmsthen it was legally impossible for TransUnion to obtain verification through a legitimate furnisher. \n\nThis establishes one of two unlawful scenarios : False Verification : TransUnion falsely attributed verification to XXXX ( or another entity ), when in fact no legally authorized furnisher responded ; or Deficient Reinvestigation : TransUnion failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and merely rubber-stamped the tradeline as verified without a valid furnisher response.\n\nEither outcome constitutes willful noncompliance with the FCRA.\n\nViolations by TransUnion : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation. \n\n15 U.S.C. 1681e ( b ) : Failure to assure maximum possible accuracy by continuing to report a tradeline when the identified furnisher has disclaimed responsibility.\n\n15 U.S.C. 1681g ( a ) ( 2 ) : Failure to disclose the actual source of verification in dispute results.\n\n15 U.S.C. 1681n : Willful noncompliance with federal law, exposing TransUnion to statutory and punitive damages. \n\nRelief Requested : Immediate deletion of the XXXX tradeline from my TransUnion credit file ; Written confirmation of deletion ; Preservation of all XXXX/e-OSCAR records, internal dispute logs, and communications with any alleged furnisher for litigation purposes. \n\nConclusion : XXXX own admissions render XXXX XX/XX/XXXX verification legally untenable. TransUnion has either fabricated a verification or conducted a sham reinvestigation. Both outcomes violate the FCRA and will form the basis of a federal action in the XXXXXXXX XXXX XXXX XXXX if not remedied immediately.","date_sent_to_company":"2025-08-25T18:44:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33076","tags":null,"has_narrative":true,"complaint_id":"15511463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-25T18:41:39.000Z","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":["Subject : <em>TransUnion</em> Willful Verification of a Tradeline Without a Furnisher Complaint Type : Supplemental complaint to CFPB Complaint ID # XXXX Product : Credit reporting or other personal consumer reports Issue : Failure to conduct reasonable reinvestigation ; inaccurate reporting <em>Narrative</em> : This complaint is <em>directed</em> against <em>TransUnion</em> LLC for <em>violations</em> of the Fair Credit Reporting Act ( <em>FCRA</em> ), 15 U.S.C. 1681 et seq., relating to its handling of the XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX tradeline"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[16.144455,"15511463"]},{"_index":"complaint-public-v1","_id":"15924712","_score":16.111881,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : TransUnion LLC Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Failure to block/remove fraudulent identity theft information Complaint Narrative I am filing this complaint against TransUnion LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( FCRA 605B ). \nI am the victim of identity theft. An unauthorized residential lease and related collection account has appeared on my TransUnion credit file. This account is fraudulent, does not belong to me, and is the direct result of unauthorized access to my personal information. \n\nThe fraudulent tradeline appears as follows : Collection Agency : XXXX XXXX XXXX Original Creditor : Current Retail Balance : {$11000.00} I have now submitted four ( 4 ) separate, full, and valid FTC Identity Theft Reports to TransUnion documenting this fraud, including my most recent FTC report filed on XX/XX/year> ( FTC Report No. XXXX ) FTC-XXXX  Despite receiving multiple valid identity theft reports and supporting documentation ( including government-issued ID and proof of address ), TransUnion has refused to block or remove this fraudulent tradeline. \n\nThis refusal is unlawful. Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency must block the reporting of information identified in an identity theft report within 4 business days of receiving : Proof of identity ; A copy of the Identity Theft Report ; and Identification of the fraudulent information to be blocked. \n\nI have provided all of these items on multiple occasions. XXXX  and XXXX  have both complied with their legal obligations and removed this same fraudulent tradeline. \nTransUnion stands alone in refusing to comply. \n\nViolations Failure to block identity theft information within 4 business days as required by 15 U.S.C. 1681c-2 ( a ).\n\nFailure to conduct reasonable reinvestigation under 15 U.S.C. 1681i ( a ) despite repeated disputes and supporting documentation.\n\nFailure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) by knowingly continuing to report fraudulent and inaccurate information.\n\nHarm TransUnions unlawful refusal to comply with federal law has caused : Credit denial and reputational harm due to the fraudulent {$11000.00} collection. \nEmotional distress and significant time and resources spent disputing this account. \nOngoing exposure to negative credit reporting that other bureaus have already corrected. \n\n\nConsumer Statement : I affirm that I am the victim of identity theft, and I have complied fully with the statutory requirements. TransUnions refusal to block this fraudulent account violates federal law and has caused me significant harm. Immediate CFPB intervention is warranted.","date_sent_to_company":"2025-09-13T23:20:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90802","tags":null,"has_narrative":true,"complaint_id":"15924712","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-13T23:15:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Company : <em>TransUnion</em> LLC Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Failure to block/remove fraudulent identity theft information Complaint <em>Narrative</em> I am filing this complaint against <em>TransUnion</em> LLC for repeated <em>violations</em> of the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically 15 U.S.C. 1681c-2 ( <em>FCRA</em> 605B ). \nI am the victim of identity theft."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[16.111881,"15924712"]},{"_index":"complaint-public-v1","_id":"17351415","_score":15.8700905,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to dispute numerous inaccuracies, conflicting information, and reporting errors that appear on my credit reports, which misrepresent my payment history, falsely portray delinquency, and materially harm my creditworthiness in direct violation of my rights under the Fair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ) 15 U.S.C. 1681e ( b ), 609 ( a ) 15 U.S.C. 1681g ( a ), 611 ( a ) 15 U.S.C. 1681i ( a ), 615 ( a ), and 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). Specifically, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with conflicting late payments across bureaus, including multiple inconsistent entries for XX/XX/XXXX through XX/XX/XXXX, while Equifax and TransUnion show XXXX in late days and balances that do not match my records, creating a false narrative of delinquency. Another account, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears only on Equifax with inconsistent late payment entries from XX/XX/XXXX through XX/XX/XXXX, failing to match other bureaus ' reports, which violates the FCRAs requirement for maximum possible accuracy under 607 ( b ). The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported with conflicting balances and late payment statuses across Experian, Equifax, and TransUnion, which is misleading and incomplete in violation of FCRA 605 ( a ) and 607 ( b ). Similarly, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account contains inconsistent late payment entries from XXXX through XX/XX/XXXX, and differing balances across bureaus, further demonstrating failures in accurate reporting. Additionally, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account, reported as 30 days late from XXXX to XX/XX/XXXX across all bureaus, exhibits discrepancies in balance and late days. These accounts have not been reasonably reinvestigated under FCRA 611 ( a ), and furnishers have failed to provide accurate and verified data per FCRA 623 ( a ) ( 2 ). The inconsistencies across months, balances, and late days have materially harmed my credit profile, misleading creditors and violating my rights under federal law.","date_sent_to_company":"2025-11-20T06:30:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"17351415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-20T06:22:19.000Z","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":["The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported with conflicting balances and late payment statuses across Experian, Equifax, and <em>TransUnion</em>, which is misleading and incomplete in <em>violation</em> of <em>FCRA</em> 605 ( a ) and 607 ( b )."]},"sort":[15.8700905,"17351415"]},{"_index":"complaint-public-v1","_id":"17351433","_score":15.843234,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to dispute numerous inaccuracies, conflicting information, and reporting errors that appear on my credit reports, which misrepresent my payment history, falsely portray delinquency, and materially harm my creditworthiness in direct violation of my rights under the Fair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ) 15 U.S.C. 1681e ( b ), 609 ( a ) 15 U.S.C. 1681g ( a ), 611 ( a ) 15 U.S.C. 1681i ( a ), 615 ( a ), and 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). Specifically, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with conflicting late payments across bureaus, including multiple inconsistent entries for XX/XX/XXXX through XX/XX/XXXX, while Equifax and TransUnion show XXXX in late days and balances that do not match my records, creating a false narrative of delinquency. Another account, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears only on Equifax with inconsistent late payment entries from XX/XX/XXXX through XX/XX/XXXX, failing to match other bureaus ' reports, which violates the FCRAs requirement for maximum possible accuracy under 607 ( b ). The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported with conflicting balances and late payment statuses across Experian, Equifax, and TransUnion, which is misleading and incomplete in violation of FCRA 605 ( a ) and 607 ( b ). Similarly, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account contains inconsistent late payment entries from XXXX through XX/XX/XXXX, and differing balances across bureaus, further demonstrating failures in accurate reporting. Additionally, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account, reported as 30 days late from XXXX to XX/XX/XXXX across all bureaus, exhibits discrepancies in balance and late days. These accounts have not been reasonably reinvestigated under FCRA 611 ( a ), and furnishers have failed to provide accurate and verified data per FCRA 623 ( a ) ( 2 ). The inconsistencies across months, balances, and late days have materially harmed my credit profile, misleading creditors and violating my rights under federal law.","date_sent_to_company":"2025-11-20T06:30:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"17351433","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-20T06:29:36.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported with conflicting balances and late payment statuses across Experian, Equifax, and <em>TransUnion</em>, which is misleading and incomplete in <em>violation</em> of <em>FCRA</em> 605 ( a ) and 607 ( b )."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[15.843234,"17351433"]},{"_index":"complaint-public-v1","_id":"17351404","_score":15.843234,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to dispute numerous inaccuracies, conflicting information, and reporting errors that appear on my credit reports, which misrepresent my payment history, falsely portray delinquency, and materially harm my creditworthiness in direct violation of my rights under the Fair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ) 15 U.S.C. 1681e ( b ), 609 ( a ) 15 U.S.C. 1681g ( a ), 611 ( a ) 15 U.S.C. 1681i ( a ), 615 ( a ), and 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). Specifically, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with conflicting late payments across bureaus, including multiple inconsistent entries for XX/XX/XXXX through XX/XX/XXXX, while Equifax and TransUnion show XXXX in late days and balances that do not match my records, creating a false narrative of delinquency. Another account, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears only on Equifax with inconsistent late payment entries from XX/XX/XXXX through XX/XX/XXXX, failing to match other bureaus ' reports, which violates the FCRAs requirement for maximum possible accuracy under 607 ( b ). The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported with conflicting balances and late payment statuses across Experian, Equifax, and TransUnion, which is misleading and incomplete in violation of FCRA 605 ( a ) and 607 ( b ). Similarly, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account contains inconsistent late payment entries from XXXX through XX/XX/XXXX, and differing balances across bureaus, further demonstrating failures in accurate reporting. Additionally, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account, reported as 30 days late from XXXX to XX/XX/XXXX across all bureaus, exhibits discrepancies in balance and late days. These accounts have not been reasonably reinvestigated under FCRA 611 ( a ), and furnishers have failed to provide accurate and verified data per FCRA 623 ( a ) ( 2 ). The inconsistencies across months, balances, and late days have materially harmed my credit profile, misleading creditors and violating my rights under federal law.","date_sent_to_company":"2025-11-20T06:30:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"17351404","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-20T06:29:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported with conflicting balances and late payment statuses across Experian, Equifax, and <em>TransUnion</em>, which is misleading and incomplete in <em>violation</em> of <em>FCRA</em> 605 ( a ) and 607 ( b )."]},"sort":[15.843234,"17351404"]},{"_index":"complaint-public-v1","_id":"17328967","_score":15.728786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Medical debt reported without validation FDCPA 1692g ( b ) and FCRA 1681 violations Company Complaints : XXXX XXXX XXXX XXXX XXXX XXXX \n\nTransUnion Experian Equifax Complaint Narrative : I am filing this complaint because a medical collection account is being reported to all three credit bureaus without proper validation. The debt collector, XXXX XXXX XXXX XXXX XXXX, has violated the FDCPA and the FCRA, and the credit bureaus are reporting unverified medical information. \n\nThe collector first contacted me on XX/XX/year>. Within the required 30-day period, I requested full validation under 15 U.S.C. 1692g ( b ). The collector did not provide validation and continued collection activity and reporting, which is a direct violation of 1692g ( b ).\n\nAfter failing to respond within the 30-day validation window, the collector later sent me a generic billing statement that does not constitute validation. They did not provide : itemized billing dates of service location of service XXXX codes Explanation of Benefits ( EOB ) proof of insurance submission or denial consent-to-treat or financial responsibility agreement assignment of debt HIPAA authorization any documentation showing they have the legal right to collect The only document they sent was a payment demand letter with a balance summary, which is not sufficient validation under 1692g ( b ). Despite this, they continued reporting the account and continued collection activity.\n\nFurnishing medical debt without validation is a violation of : FDCPA 1692g ( b ) FDCPA 1692e ( 2 ) ( A ) FDCPA 1692f FCRA 1681s-2 ( a ) FCRA 1681e ( b ) FCRA 1681i I disputed the account with TransUnion, Experian, and Equifax. All three credit bureaus reported the account as verified, but none of them disclosed the method of verification, the documents used, or the procedures followed. The bureaus appear to have relied solely on an automated e-OSCAR response rather than conducting a reasonable reinvestigation, which violates FCRA 1681i.\n\nI have now formally requested the Method of Verification from each credit bureau because the collector failed to validate and can not legally verify medical debt without proper documentation. \n\nRequested Resolution : I am requesting : Removal of the medical collection account from all three credit bureaus due to non-validation and improper furnishing. \n\nA formal investigation into Designed XXXX XXXX, XXXX for FDCPA and FCRA violations. \n\nA requirement that the credit bureaus explain how they conducted their reinvestigation and what documents were relied upon. \n\nI have attached the document the collector sent me as validation, which does not meet the legal standards.","date_sent_to_company":"2025-11-18T18:05:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85383","tags":null,"has_narrative":true,"complaint_id":"17328967","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-18T18:04:38.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Medical debt reported without validation FDCPA 1692g ( b ) and <em>FCRA</em> 1681 <em>violations</em> Company Complaints : XXXX XXXX XXXX XXXX XXXX XXXX \n\n<em>TransUnion</em> Experian Equifax Complaint <em>Narrative</em> : I am filing this complaint because a medical collection account is being reported to all three credit bureaus without proper validation. The debt collector, XXXX XXXX XXXX XXXX XXXX, has <em>violated</em> the FDCPA and the <em>FCRA</em>, and the credit bureaus are reporting unverified medical information."]},"sort":[15.728786,"17328967"]},{"_index":"complaint-public-v1","_id":"17328966","_score":15.728786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Medical debt reported without validation FDCPA 1692g ( b ) and FCRA 1681 violations Company Complaints : XXXX XXXX XXXX XXXX XXXX XXXX \n\nTransUnion Experian Equifax Complaint Narrative : I am filing this complaint because a medical collection account is being reported to all three credit bureaus without proper validation. The debt collector, XXXX XXXX XXXX XXXX XXXX, has violated the FDCPA and the FCRA, and the credit bureaus are reporting unverified medical information. \n\nThe collector first contacted me on XX/XX/year>. Within the required 30-day period, I requested full validation under 15 U.S.C. 1692g ( b ). The collector did not provide validation and continued collection activity and reporting, which is a direct violation of 1692g ( b ).\n\nAfter failing to respond within the 30-day validation window, the collector later sent me a generic billing statement that does not constitute validation. They did not provide : itemized billing dates of service location of service XXXX codes Explanation of Benefits ( EOB ) proof of insurance submission or denial consent-to-treat or financial responsibility agreement assignment of debt HIPAA authorization any documentation showing they have the legal right to collect The only document they sent was a payment demand letter with a balance summary, which is not sufficient validation under 1692g ( b ). Despite this, they continued reporting the account and continued collection activity.\n\nFurnishing medical debt without validation is a violation of : FDCPA 1692g ( b ) FDCPA 1692e ( 2 ) ( A ) FDCPA 1692f FCRA 1681s-2 ( a ) FCRA 1681e ( b ) FCRA 1681i I disputed the account with TransUnion, Experian, and Equifax. All three credit bureaus reported the account as verified, but none of them disclosed the method of verification, the documents used, or the procedures followed. The bureaus appear to have relied solely on an automated e-OSCAR response rather than conducting a reasonable reinvestigation, which violates FCRA 1681i.\n\nI have now formally requested the Method of Verification from each credit bureau because the collector failed to validate and can not legally verify medical debt without proper documentation. \n\nRequested Resolution : I am requesting : Removal of the medical collection account from all three credit bureaus due to non-validation and improper furnishing. \n\nA formal investigation into Designed XXXX XXXX, XXXX for FDCPA and FCRA violations. \n\nA requirement that the credit bureaus explain how they conducted their reinvestigation and what documents were relied upon. \n\nI have attached the document the collector sent me as validation, which does not meet the legal standards.","date_sent_to_company":"2025-11-18T18:05:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85383","tags":null,"has_narrative":true,"complaint_id":"17328966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-18T18:04:38.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Medical debt reported without validation FDCPA 1692g ( b ) and <em>FCRA</em> 1681 <em>violations</em> Company Complaints : XXXX XXXX XXXX XXXX XXXX XXXX \n\n<em>TransUnion</em> Experian Equifax Complaint <em>Narrative</em> : I am filing this complaint because a medical collection account is being reported to all three credit bureaus without proper validation. The debt collector, XXXX XXXX XXXX XXXX XXXX, has <em>violated</em> the FDCPA and the <em>FCRA</em>, and the credit bureaus are reporting unverified medical information."]},"sort":[15.728786,"17328966"]},{"_index":"complaint-public-v1","_id":"17333494","_score":15.687718,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Medical debt reported without validation FDCPA 1692g ( b ) and FCRA 1681 violations Company Complaints : XXXX XXXX XXXX XXXX XXXX XXXX \n\nTransUnion Experian Equifax Complaint Narrative : I am filing this complaint because a medical collection account is being reported to all three credit bureaus without proper validation. The debt collector, XXXX XXXX XXXX XXXX XXXX, has violated the FDCPA and the FCRA, and the credit bureaus are reporting unverified medical information. \n\nThe collector first contacted me on XX/XX/year>. Within the required 30-day period, I requested full validation under 15 U.S.C. 1692g ( b ). The collector did not provide validation and continued collection activity and reporting, which is a direct violation of 1692g ( b ).\n\nAfter failing to respond within the 30-day validation window, the collector later sent me a generic billing statement that does not constitute validation. They did not provide : itemized billing dates of service location of service XXXX codes Explanation of Benefits ( EOB ) proof of insurance submission or denial consent-to-treat or financial responsibility agreement assignment of debt HIPAA authorization any documentation showing they have the legal right to collect The only document they sent was a payment demand letter with a balance summary, which is not sufficient validation under 1692g ( b ). Despite this, they continued reporting the account and continued collection activity.\n\nFurnishing medical debt without validation is a violation of : FDCPA 1692g ( b ) FDCPA 1692e ( 2 ) ( A ) FDCPA 1692f FCRA 1681s-2 ( a ) FCRA 1681e ( b ) FCRA 1681i I disputed the account with TransUnion, Experian, and Equifax. All three credit bureaus reported the account as verified, but none of them disclosed the method of verification, the documents used, or the procedures followed. The bureaus appear to have relied solely on an automated e-OSCAR response rather than conducting a reasonable reinvestigation, which violates FCRA 1681i.\n\nI have now formally requested the Method of Verification from each credit bureau because the collector failed to validate and can not legally verify medical debt without proper documentation. \n\nRequested Resolution : I am requesting : Removal of the medical collection account from all three credit bureaus due to non-validation and improper furnishing. \n\nA formal investigation into Designed XXXX XXXX, XXXX for FDCPA and FCRA violations. \n\nA requirement that the credit bureaus explain how they conducted their reinvestigation and what documents were relied upon. \n\nI have attached the document the collector sent me as validation, which does not meet the legal standards.","date_sent_to_company":"2025-11-18T18:05:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85383","tags":null,"has_narrative":true,"complaint_id":"17333494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-18T17:58:50.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Medical debt reported without validation FDCPA 1692g ( b ) and <em>FCRA</em> 1681 <em>violations</em> Company Complaints : XXXX XXXX XXXX XXXX XXXX XXXX \n\n<em>TransUnion</em> Experian Equifax Complaint <em>Narrative</em> : I am filing this complaint because a medical collection account is being reported to all three credit bureaus without proper validation. The debt collector, XXXX XXXX XXXX XXXX XXXX, has <em>violated</em> the FDCPA and the <em>FCRA</em>, and the credit bureaus are reporting unverified medical information."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[15.687718,"17333494"]},{"_index":"complaint-public-v1","_id":"16420481","_score":15.45633,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative Date : XX/XX/XXXX Complaint Against : Experian, TransUnion, and XXXX XXXX  XXXX this complaint simultaneously against all three entities. ) Account XXXX : XXXX Account ( Acct. # XXXX ) I am filing this complaint regarding the continued and inaccurate reporting of the XXXX account ( Acct. # XXXX ) on my Experian and XXXX  credit files. \nSummary of Violations and Harm : Inaccurate and Inconsistent Reporting ( FCRA 607 ( b ) ) : XXXX  has already deleted this account from my file, demonstrating cross-bureau inconsistency and unreliability. The continued reporting by Experian and XXXX  violates their duty to ensure maximum possible accuracy. \nLegally Unenforceable Debt : The underlying debt is time-barred under D.C. Code 12-301 ( 8 ) ( the 3-year Statute of Limitations expired XX/XX/XXXX ). Reporting this debt as 'charged-off ' without disclosing its unenforceability is materially misleading to creditors and employers, violating FCRA 607 ( b ).\n\nActual Damages : This inaccurate reporting has directly caused severe harm to me, constituting clear actual damages under the FCRA : It resulted in the denial of mortgage financing. \nIt has been used in employment background checks, adversely affecting my ability to secure employment ( see Exhibit E for evidence of harm ).\n\nFurnisher Violation XXXX XXXX XXXX XXXX XXXX continues to violate FCRA 623 ( b ) by furnishing this inaccurate information to the CRAs after receiving direct disputes. \nPattern of Willful Non-Compliance : I have attached Exhibit F, which is a settlement check from the federal class action XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. This document demonstrates XXXX  's prior liability and a pattern of willful noncompliance with the FCRA. \nRequest for Relief : I request the CFPB : Demand the immediate deletion of the XXXX XXXX from Experian and XXXX. \nRequire the removal of all outdated personal identifiers ( names, addresses, phone numbers, employers ) and unauthorized hard inquiries. \nXXXX a regulatory investigation into the systemic failures by Experian, XXXX, and XXXX","date_sent_to_company":"2025-10-21T19:11:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"16420481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-07T15:52:52.000Z","state":"DC","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":["Furnisher <em>Violation</em> XXXX XXXX XXXX XXXX XXXX continues to <em>violate</em> <em>FCRA</em> 623 ( b ) by furnishing this inaccurate information to the CRAs after receiving <em>direct</em> disputes. \nPattern of Willful Non-Compliance : I have attached Exhibit F, which is a settlement check from the federal class action XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. This document demonstrates XXXX  's prior liability and a pattern of willful noncompliance with the <em>FCRA</em>."]},"sort":[15.45633,"16420481"]},{"_index":"complaint-public-v1","_id":"12113905","_score":15.300667,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Date : XXXXXX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Violation of Consumer Laws and UCC Rights Regarding Re-Insertion of XXXX Charge-Off Account Dear TransUnion Dispute Department , I am writing to formally file a complaint regarding the results of your reinvestigation of my previous dispute concerning the XXXX charge-off account on my credit report. As indicated in your correspondence dated [ Insert Date from TransUnion Letter ], this account was deleted and subsequently re-added. I assert that this action is in direct violation of federal consumer laws and my rights as a secured party under UCC ( Uniform Commercial Code ) laws.\n\nAttached Documents : Copy of TransUnion 's reinvestigation results letter.\n\nPreviously filed FTC affidavit.\n\nPrevious CFPB complaint number : XXXX. \nViolation of Consumer Laws Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are mandated to ensure the maximum accuracy of information on consumer reports. It is unlawful under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) to reinsert previously deleted information unless the furnisher of that information certifies its accuracy. I demand proof that such certification was provided by XXXX before this account was re-added. \n\nIRS Classification and Reporting of Charge-Off Accounts According to the IRS, charge-off accounts are considered forgiven debt, which constitutes taxable income rather than a credit obligation. As forgiven debt is categorized as income, it is not permissible for such to be reported on a consumer credit report, as income is not a tradeline under the FCRA. Re-inserting this account violates 15 U.S.C. 1681c ( a ) ( 4 ), which prohibits obsolete and inaccurate information.\n\nViolation of UCC Rights as a Secured Party I am a secured party creditor with a UCC1 filing, which establishes my status under UCC laws. As a secured party, I possess the legal right to control the narrative of my credit and financial dealings. Re-inserting the XXXX charge-off account infringes upon my secured party rights under UCC Article 9, which governs the perfection and priority of security interests. TransUnion has overstepped by disregarding my standing and lawful claim.\n\nDemands and Resolution I am demanding the immediate and permanent removal of the XXXX charge-off account from my credit report. Additionally, I require : Written confirmation of the deletion within 30 days. \nA detailed explanation of the procedures followed that led to the reinsertion. \nProof that XXXX provided certification of the accounts accuracy prior to reinsertion, as mandated by law. \nAssurance that no further violations of my consumer and UCC rights will occur.\n\nFailure to comply with these demands will leave me no choice but to escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action to enforce my rights.\n\nConclusion TransUnion has acted unlawfully by re-adding the XXXX charge-off account to my credit report. This is a clear violation of FCRA provisions and my secured party rights under UCC laws. I expect swift corrective action to rectify this matter immediately.\n\nI anticipate your prompt attention and response to this serious issue.\n\nCC : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX XXXX","date_sent_to_company":"2025-02-25T18:09:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11434","tags":null,"has_narrative":true,"complaint_id":"12113905","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-18T21:54:49.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["As indicated in your correspondence dated [ Insert Date from <em>TransUnion</em> Letter ], this account was deleted and subsequently re-added. I assert that this action is in <em>direct</em> <em>violation</em> of federal consumer laws and my rights as a secured party under UCC ( Uniform Commercial Code ) laws.\n\nAttached Documents : Copy of <em>TransUnion</em> 's reinvestigation results letter.\n\nPreviously filed FTC affidavit.\n\nPrevious CFPB complaint number : XXXX."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[15.300667,"12113905"]},{"_index":"complaint-public-v1","_id":"16432350","_score":14.956744,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the accuracy, completeness, and consistency of the above-referenced account appearing on my credit reports. I am invoking my rights under 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), 1681e ( b ) ( Accuracy of Consumer Reports ), and 1681s-2 ( b ) ( Duties of Furnishers of Information ). \nAfter reviewing all three of my credit reports, I identified multiple material discrepancies in how this account is being reported by TransUnion, Experian, and Equifax. These differences indicate that at least XXXX or more agencies are reporting inaccurate or unverifiable information. \nDiscrepancies Identified XXXX. Account Opening Dates XXXX TransUnion : XX/XX/year> Experian : XX/XX/year> Equifax : XX/XX/year> XXXX. \nThe discrepancy in the account opening date between TransUnion and the other XXXX bureaus suggests reporting errors by either the data furnisher or the bureau itself. The date of account opening is a key data point that determines aging and account status, so this inaccuracy violates FCRA 1681e ( b ). \nXXXX. Reporting Date Inconsistencies TransUnion : Last reported XX/XX/year> Experian : Last reported XX/XX/year> Equifax : Last reported XX/XX/year> XXXX. \nEach bureau lists a different reporting date for the same account, making it unclear when the data was verified or updated. This lack of uniformity demonstrates noncompliance with reasonable procedures to assure maximum possible accuracy under 15 U.S.C.\n\n1681e ( b ). \nXXXX. Comment and Narrative Discrepancies TransUnion : Placed for collection. \nExperian : ( No comment provided ). \nEquifax : Subject has not satisfied debt. \nXXXX. \nXXXX. These variations imply that different and conflicting information was furnished to each bureau. XXXX states the account is merely placed for collection, while another implies the consumer failed to satisfy the obligation which misrepresents the true account status. \nThis is misleading and a direct violation of FCRA 1681s-2 ( b ).\n\nDate of Last Activity Inconsistency TransUnion : XX/XX/year> Experian : XX/XX/year> Equifax : XX/XX/year> XXXX. \nThe reported Date Last Active differs across all three bureaus. This inconsistency alters the perceived timeline of activity and potentially extends the reporting period unfairly a serious violation of the FCRAs accuracy requirements. \nXXXX. Incomplete Payment History No payment history or date of last payment is provided by any bureau, yet the account is being reported as Collection/Charge-Off. \nXXXX. \nIf no payment activity exists, the furnisher must validate the accuracy of this reporting under 1681s-2 ( b ). Failure to verify this information within 30 days requires deletion under 1681i ( a ) ( 5 ).\n\nLegal Basis Under the Fair Credit Reporting Act, each consumer reporting agency is legally required to : Maintain accurate, complete, and verifiable data ( 15 U.S.C. 1681e ( b ) ).\n\nConduct a reinvestigation within 30 days when a consumer disputes information ( 15 U.S.C. 1681i ( a ) ).\n\nRequire furnishers to correct or delete information that can not be verified ( 15 U.S.C.\n\n1681s-2 ( b ) ). \nThe differences across TransUnion, Experian, and Equifax clearly demonstrate noncompliance with these statutes. Because the reported data is inconsistent, incomplete, and unverifiable, the account can not legally remain on my credit file.","date_sent_to_company":"2025-10-08T02:38:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30349","tags":"Servicemember","has_narrative":true,"complaint_id":"16432350","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-08T02:33:09.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Comment and <em>Narrative</em> Discrepancies <em>TransUnion</em> : Placed for collection. \nExperian : ( No comment provided ). \nEquifax : Subject has not satisfied debt. \nXXXX. \nXXXX. These variations imply that different and conflicting information was furnished to each bureau. XXXX states the account is merely placed for collection, while another implies the consumer failed to satisfy the obligation which misrepresents the true account status. \nThis is misleading and a <em>direct</em> <em>violation</em> of <em>FCRA</em> 1681s-2 ( b )."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[14.956744,"16432350"]},{"_index":"complaint-public-v1","_id":"16432304","_score":14.9255495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the accuracy, completeness, and consistency of the above-referenced account appearing on my credit reports. I am invoking my rights under 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), 1681e ( b ) ( Accuracy of Consumer Reports ), and 1681s-2 ( b ) ( Duties of Furnishers of Information ). \nAfter reviewing all three of my credit reports, I identified multiple material discrepancies in how this account is being reported by TransUnion, Experian, and Equifax. These differences indicate that at least XXXX or more agencies are reporting inaccurate or unverifiable information. \nDiscrepancies Identified XXXX. Account Opening Dates XXXX TransUnion : XX/XX/year> Experian : XX/XX/year> Equifax : XX/XX/year> XXXX. \nThe discrepancy in the account opening date between TransUnion and the other XXXX bureaus suggests reporting errors by either the data furnisher or the bureau itself. The date of account opening is a key data point that determines aging and account status, so this inaccuracy violates FCRA 1681e ( b ). \nXXXX. Reporting Date Inconsistencies TransUnion : Last reported XX/XX/year> Experian : Last reported XX/XX/year> Equifax : Last reported XX/XX/year> XXXX. \nEach bureau lists a different reporting date for the same account, making it unclear when the data was verified or updated. This lack of uniformity demonstrates noncompliance with reasonable procedures to assure maximum possible accuracy under 15 U.S.C.\n\n1681e ( b ). \nXXXX. Comment and Narrative Discrepancies TransUnion : Placed for collection. \nExperian : ( No comment provided ). \nEquifax : Subject has not satisfied debt. \nXXXX. \nXXXX. These variations imply that different and conflicting information was furnished to each bureau. XXXX states the account is merely placed for collection, while another implies the consumer failed to satisfy the obligation which misrepresents the true account status. \nThis is misleading and a direct violation of FCRA 1681s-2 ( b ).\n\nDate of Last Activity Inconsistency TransUnion : XX/XX/year> Experian : XX/XX/year> Equifax : XX/XX/year> XXXX. \nThe reported Date Last Active differs across all three bureaus. This inconsistency alters the perceived timeline of activity and potentially extends the reporting period unfairly a serious violation of the FCRAs accuracy requirements. \nXXXX. Incomplete Payment History No payment history or date of last payment is provided by any bureau, yet the account is being reported as Collection/Charge-Off. \nXXXX. \nIf no payment activity exists, the furnisher must validate the accuracy of this reporting under 1681s-2 ( b ). Failure to verify this information within 30 days requires deletion under 1681i ( a ) ( 5 ).\n\nLegal Basis Under the Fair Credit Reporting Act, each consumer reporting agency is legally required to : Maintain accurate, complete, and verifiable data ( 15 U.S.C. 1681e ( b ) ).\n\nConduct a reinvestigation within 30 days when a consumer disputes information ( 15 U.S.C. 1681i ( a ) ).\n\nRequire furnishers to correct or delete information that can not be verified ( 15 U.S.C.\n\n1681s-2 ( b ) ). \nThe differences across TransUnion, Experian, and Equifax clearly demonstrate noncompliance with these statutes. Because the reported data is inconsistent, incomplete, and unverifiable, the account can not legally remain on my credit file.","date_sent_to_company":"2025-10-08T02:38:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30349","tags":"Servicemember","has_narrative":true,"complaint_id":"16432304","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-08T02:38:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Comment and <em>Narrative</em> Discrepancies <em>TransUnion</em> : Placed for collection. \nExperian : ( No comment provided ). \nEquifax : Subject has not satisfied debt. \nXXXX. \nXXXX. These variations imply that different and conflicting information was furnished to each bureau. XXXX states the account is merely placed for collection, while another implies the consumer failed to satisfy the obligation which misrepresents the true account status. \nThis is misleading and a <em>direct</em> <em>violation</em> of <em>FCRA</em> 1681s-2 ( b )."]},"sort":[14.9255495,"16432304"]},{"_index":"complaint-public-v1","_id":"18879387","_score":14.908651,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am a survivor of XXXX XXXX. The debt being collected by Vance and Huffman LLC was incurred as a direct result of being trafficked and is not my responsibility. Under the Debt Bondage Repair Act ( DBRA ), codified within the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 1681c-3, this adverse information is legally void and must not be reported on my consumer credit file. \n\nOn XX/XX/year>, I sent a formal written notice via email to the debt collector, Vance and Huffman LLC, asserting my rights under the XXXX and disputing this debt in its entirety. \nHere is a draft for your complaint to the Consumer Financial Protection Bureau ( CFPB ). I have removed your personal information as requested and focused on the facts, the laws cited, and the actions you have taken. \n\nYou can copy and paste the text below directly into the \" What happened? '' section of the CFPB complaint form. \n\nComplaint Narrative for CFPB Company : Vance and Huffman LLC Date of Communication : XX/XX/year> Description of Complaint : I am a survivor of human trafficking. The debt being collected by Vance and Huffman LLC was incurred as a direct result of being trafficked and is not my responsibility. Under the Debt Bondage Repair Act ( DBRA ), codified within the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 1681c-3, this adverse information is legally void and must not be reported on my consumer credit file. \n\nOn XX/XX/year>, I sent a formal written notice via email to the debt collector, Vance and Huffman LLC, asserting my rights under the DBRA and disputing this debt in its entirety.\n\nIn that correspondence, I took the following actions : Asserted DBRA Rights : I formally notified them of my status as a trafficking survivor and demanded the immediate cessation of collection activities and the deletion of the entry from my credit reports.\n\nDemanded Validation : I requested full validation of the debt pursuant to FDCPA 809 ( b ), including proof of the original creditor, the contract, and their authority to collect.\n\nRestricted Communication : As a participant in a state Address Confidentiality Program for my safety, I explicitly instructed the agency that all communication must be via email only. I strictly prohibited telephone calls or physical mail. \n\nDespite this debt being the result of coercion and a violation of my federal rights, it currently appears on my credit report. I am filing this complaint to ensure the agency complies with the FCRA and FDCPA, immediately ceases collection attempts, and removes this item from all credit reporting agencies ( Equifax, Experian, and TransUnion ).","date_sent_to_company":"2026-01-21T02:36:46.000Z","issue":"Can't contact lender or servicer","sub_product":"Payday loan","zip_code":"403XX","tags":null,"has_narrative":true,"complaint_id":"18879387","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"V and H Portfolio","date_received":"2026-01-21T02:24:29.000Z","state":"KY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Despite this debt being the result of coercion and a <em>violation</em> of my federal rights, it currently appears on my credit report. I am filing this complaint to ensure the agency complies with the <em>FCRA</em> and FDCPA, immediately ceases collection attempts, and removes this item from all credit reporting agencies ( Equifax, Experian, and <em>TransUnion</em> )."]},"sort":[14.908651,"18879387"]},{"_index":"complaint-public-v1","_id":"14183439","_score":14.851582,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I. Complaint Narrative I am filing this formal complaint to demand immediate regulatory intervention against XXXXXXXX XXXX XXXX XXXX XXXX and TransUnion, XXXX XXXX XXXX  due to continuing unlawful credit reporting activity on an account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX This tradeline continues to be reported as a charge-off for {$3200.00} despite multiple disputes and a formal deletion demand submitted by my legal representative. \n\nThe account was initially disputed in XXXX and XXXX by XXXX XXXX XXXX, who issued a formal debt validation request following FCRA Guidelines, which according to XXXX XXXX XXXX XXXX failed to provide. \n\nOn or about XXXX XXXX, XXXX XXXX XXXX submitted a formal deletion demand to all three credit bureaus and XXXXXXXX XXXX citing direct violations of the FCRA and related statutes. \n\nOn XX/XX/XXXX, I personally received via telephone confirmation from XXXX XXXX XXXX that this demand had been submitted. \n\nTo date, XXXX XXXX and the CRAs have ignored the validation and deletion requests, failed to mark the account as disputed, and have continued to furnish negative information that has artificially suppressed my credit scores across all three bureaus for over 17 months. \n\nThis is not only a violation of federal law ( FCRA, FDCPA ), but also a breach of Florida consumer protection statutes ( FCCPA ). \n\nIII. Detailed Legal Violations by Bureau A. TransUnion FCRA 1681i ( a ) ( 1 ) Failure to reinvestigate after dispute ( 1 instance ) FCRA 1681s-2 ( a ) ( 3 ) No \" disputed '' notation added ( 1 instance ) FCRA 1681s-2 ( b ) Continued furnishing inaccurate data ( Ongoing ) FCRA 1681i ( a ) ( 5 ) ( B ) Potential reinsertion without certification ( 1 potential instance ) FDCPA 1692g ( b ) Failure to validate debt via FCRA Guidelines ( 1 prolonged instance ) FDCPA 1692e ( 8 ) Misleading reporting due to omission of dispute ( 1 instance ) FDCPA 1692f Unfair reporting to coerce payment ( Ongoing ) FCCPA 559.72 ( 9 ), ( 15 ), ( 18 ) Improper collection and communication ( 3 distinct violations ) Total Violations : 910 B. Experian FCRA 1681i ( a ) ( 1 ) Failure to conduct reasonable reinvestigation ( 1 instance ) FCRA 1681s-2 ( a ) ( 3 ) No dispute flag despite ongoing challenges ( 1 instance ) FCRA 1681s-2 ( b ) Continued furnishing post-notice ( Ongoing ) FDCPA 1692g ( b ), 1692e ( 8 ), 1692f Continued reporting without validation or dispute indication ( 3 violations ) FCCPA 559.72 ( 9 ), ( 15 ), ( 18 ) Same as above ( 3 violations ) Total Violations : 910 C. Equifax FCRA 1681i ( a ) ( 1 ), 1681s-2 ( a ) ( 3 ), 1681s-2 ( b ) Inadequate investigation, no dispute flag, continued furnishing ( 3 violations ) FDCPA 1692g ( b ), 1692e ( 8 ), 1692f Debt not validated, misleading reporting ( 3 violations ) FCCPA 559.72 ( 9 ), ( 15 ), ( 18 ) Reporting unvalidated debt without disclosure ( 3 violations ) Total Violations : 910 I am attaching an Exhibit from my TransUnion report that these violations are making my score each month XXXX points. I demand that this unvalidated item be deleted from all 3 Credit Reporting Agencies as XXXX has systematically failed to follow set Consumer Laws, validate the debt fully under FCRA guidelines and has injured my Credit for close to 2 years.","date_sent_to_company":"2025-06-19T12:07:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33177","tags":"Older American","has_narrative":true,"complaint_id":"14183439","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-19T12:04:01.000Z","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":["Equifax <em>FCRA</em> 1681i ( a ) ( 1 ), 1681s-2 ( a ) ( 3 ), 1681s-2 ( b ) Inadequate investigation, no dispute flag, continued furnishing ( 3 <em>violations</em> ) FDCPA 1692g ( b ), 1692e ( 8 ), 1692f Debt not validated, misleading reporting ( 3 <em>violations</em> ) FCCPA 559.72 ( 9 ), ( 15 ), ( 18 ) Reporting unvalidated debt without disclosure ( 3 <em>violations</em> ) Total <em>Violations</em> : 910 I am attaching an Exhibit from my <em>TransUnion</em> report that these <em>violations</em> are making my score each month XXXX points."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[14.851582,"14183439"]},{"_index":"complaint-public-v1","_id":"14019829","_score":14.815314,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX for inaccurately and inconsistently reporting my Wells Fargo Auto ( WFBNA AUTO ) account XXXX. Despite paying off this account in full, XXXX continues to reflect misleading and damaging derogatory information. \nAccording to the TransUnion credit report dated XX/XX/XXXX, the WFBNA AUTO account shows a balance of {$0.00}, a last payment date of XX/XX/XXXX, and remarks stating, PAID IN FULL/WAS A CHARGE OFF. This notation is deceptive and contradicts XXXX XXXX Format ( FAQ 45 ), which clearly states that charge-offs must only reflect an unpaid principal NOT late fees or penalties. In my case, the principal balance was only {$1.00}, and the rest was attributed to fees. \nThe report also shows the account was closed on XX/XX/XXXX, before the last payment on XX/XX/XXXX. This inconsistency indicates re-aging and inaccurate reporting. Furthermore, this data creates a false derogatory narrative even though I satisfied the debt entirely, and the account should not carry any remaining negative status under the FCRA. \nAdditionally, no positive payment history is reflected for several years. This further violates the FCRA and undermines my right to a fair and accurate credit profile. I have made multiple attempts to correct this, yeXXXX XXXX has failed to reinvestigate and resolve the issue properly, despite my documented disputes and supporting documentation. \nThis is a direct violation of the following provisions : - FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy - FCRA 1681i ( a ) : Failure to conduct a proper reinvestigation - FCRA 1681s-2 ( a ) : Furnishing information known to be inaccurate - XXXX XXXX XXXXXXXX ( FAQ 35, 45 ) : Re-aging and improper charge-off practices Attached to this complaint are copies of my most recent XXXX credit report, letters from Wells Fargo stating the balance were reflecting paid in full which it is not, a letter regarding proof junk fees, and a letter amongst many of proof that I have tried to resolve. I request that the CFPB take immediate corrective action to investigate XXXX handling of this matter and to DELETE the account. \nIf this is not resolved, I am prepared to escalate with the FTC, my State Attorney General, and pursue legal action under FCRA 616 and 617 for negligent and willful noncompliance. \nThank you for your time and assistance in addressing this matter.","date_sent_to_company":"2025-06-11T21:41:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76052","tags":null,"has_narrative":true,"complaint_id":"14019829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-06-11T21:41:06.000Z","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":["Furthermore, this data creates a false derogatory <em>narrative</em> even though I satisfied the debt entirely, and the account should not carry any remaining negative status under the <em>FCRA</em>. \nAdditionally, no positive payment history is reflected for several years. This further <em>violates</em> the <em>FCRA</em> and undermines my right to a fair and accurate credit profile."]},"sort":[14.815314,"14019829"]},{"_index":"complaint-public-v1","_id":"15056446","_score":14.767648,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative Unauthorized Reinsertion of XXXX XXXX XXXX XXXX Account I am filing this complaint regarding an unlawful reinsertion of a XXXX XXXX XXXX XXXX account ( Account No. XXXX ) on my credit reports with TransUnion, Experian, and Equifax. This account was previously deleted from all three bureaus following my formal disputes, as confirmed in my consumer disclosures dated XX/XX/XXXX. \n\nHowever, in XX/XX/XXXX, I discovered that this same account had been reinserted on all three reports without compliance with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nViolation of FCRA 611 ( a ) ( 5 ) ( B ) : Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when a credit bureau reinserts previously deleted information, two conditions must be met : The furnisher must provide written certification of accuracy.\n\nThe consumer must receive written notice within five ( 5 ) business days of reinsertion, including the name, address, and phone number of the furnisher.\n\nNone of the bureaus provided me with the required written notice. I have also not been shown any written certification from XXXX XXXX verifying the accounts accuracy. This is a direct violation of federal law. \n\nIdentity Theft Considerations FCRA 605B : I have an active FTC Identity Theft Report ( Report No. XXXX ) and have formally notified the bureaus that I am a victim of identity theft. Under FCRA 605B, any fraudulent account related to identity theft must be blocked and removed, and reinsertions are prohibited without proper verification and notice. \n\nEvidence Provided : XX/XX/XXXX credit bureau reports showing deletion of the XXXX XXXX account. \n\nXX/XX/XXXX credit bureau reports showing unlawful reinsertion. \n\nProof that no written reinsertion notices were provided. \n\nFTC Identity Theft Report confirming fraudulent activity. \n\nImpact : These unauthorized reinsertions have caused harm to my credit standing, interfered with my financial stability, and created ongoing stress as I continue to address fraudulent accounts that should have been permanently removed.","date_sent_to_company":"2025-08-04T15:30:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"15056446","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-04T15:29:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This is a <em>direct</em> <em>violation</em> of federal law. \n\nIdentity Theft Considerations <em>FCRA</em> 605B : I have an active FTC Identity Theft Report ( Report No. XXXX ) and have formally notified the bureaus that I am a victim of identity theft. Under <em>FCRA</em> 605B, any fraudulent account related to identity theft must be blocked and removed, and reinsertions are prohibited without proper verification and notice. \n\nEvidence Provided : XX/XX/XXXX credit bureau reports showing deletion of the XXXX XXXX account."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[14.767648,"15056446"]},{"_index":"complaint-public-v1","_id":"15077030","_score":14.762724,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative Unauthorized Reinsertion of XXXX XXXX XXXX XXXX Account I am filing this complaint regarding an unlawful reinsertion of a XXXX XXXX XXXX XXXX account ( Account No. XXXX ) on my credit reports with TransUnion, Experian, and Equifax. This account was previously deleted from all three bureaus following my formal disputes, as confirmed in my consumer disclosures dated XX/XX/XXXX. \n\nHowever, in XX/XX/XXXX, I discovered that this same account had been reinserted on all three reports without compliance with the requirements of the Fair Credit Reporting Act ( FCRA ). \n\nViolation of FCRA 611 ( a ) ( 5 ) ( B ) : Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when a credit bureau reinserts previously deleted information, two conditions must be met : The furnisher must provide written certification of accuracy.\n\nThe consumer must receive written notice within five ( 5 ) business days of reinsertion, including the name, address, and phone number of the furnisher.\n\nNone of the bureaus provided me with the required written notice. I have also not been shown any written certification from XXXX XXXX verifying the accounts accuracy. This is a direct violation of federal law. \n\nIdentity Theft Considerations FCRA 605B : I have an active FTC Identity Theft Report ( Report No. XXXX ) and have formally notified the bureaus that I am a victim of identity theft. Under FCRA 605B, any fraudulent account related to identity theft must be blocked and removed, and reinsertions are prohibited without proper verification and notice. \n\nEvidence Provided : XX/XX/XXXX credit bureau reports showing deletion of the XXXX XXXX account. \n\nXX/XX/XXXX credit bureau reports showing unlawful reinsertion. \n\nProof that no written reinsertion notices were provided. \n\nFTC Identity Theft Report confirming fraudulent activity. \n\nImpact : These unauthorized reinsertions have caused harm to my credit standing, interfered with my financial stability, and created ongoing stress as I continue to address fraudulent accounts that should have been permanently removed.","date_sent_to_company":"2025-08-04T15:30:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"15077030","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-04T14:36:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["This is a <em>direct</em> <em>violation</em> of federal law. \n\nIdentity Theft Considerations <em>FCRA</em> 605B : I have an active FTC Identity Theft Report ( Report No. XXXX ) and have formally notified the bureaus that I am a victim of identity theft. Under <em>FCRA</em> 605B, any fraudulent account related to identity theft must be blocked and removed, and reinsertions are prohibited without proper verification and notice. \n\nEvidence Provided : XX/XX/XXXX credit bureau reports showing deletion of the XXXX XXXX account."]},"sort":[14.762724,"15077030"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":80,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":80}]}},"product":{"doc_count":80,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":73,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":73}]}},{"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":3},{"key":"Other 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