{"took":210,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":34663,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16220761","_score":9.357436,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THIS IS NOT A DUPLICATE COMPLAINT THIS IS NOT A DUPLICATE COMPLAINT THIS IS NOT A DUPLICATE COMPLAINT NON-COMPLIANCE NON-COMPLIANCE TRANSUNION NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE TRANSUNION NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE TRANSUNION USED A ACCOUNT THAT WAS DISPUTED AND REMOVED IN XX/XX/year>, PUTTING THIS FRAUDULENT ACCOUNT BACK ON MY CREDIT REPORT, DROPPING MY SCORE XXXX POINTS, CAUSING CONFUSION AND DETRIMENTAL HARM TO A MINORITY XXXX DECORATED WAR VETERAN!! ! XXXX AFTER DOING THIS I FILED A DISPUTE TO HAVE THE SAME FRAUDULENT ACCOUNT TO BE REMOVED FOR A SECOND TIME. AFTER TRANSUNION REMOVED THE FRAUDULENT ACCOUNT, TRANSUNION ONLY REPLACED XXXX POINTS OF THE XXXX POINTS THAT WERE DROPPED DOING THIS PROCESS OF TRANSUNION ( FAKE GOVERNMENT ENTITY )!! ! XXXX TRANSUNION IS GUILTY BY XXXX OPERATING WITH ANOTHER ENTITY TO DO DETRIMENTAL HARM TO MINORITIES ( CONSUMERS ) VIOLATIONS OF 18 USC Section 241 ( e ) 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, XXXX, Possession, or XXXX in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If XXXX or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than XXXX years, or both ; and if XXXX  results from the acts committed in violation of this section or if such acts include XXXX or an attempt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they shall be fined under this title or imprisoned for any term of years or for life, or both, or XXXX be sentenced to death.","date_sent_to_company":"2025-09-27T14:29:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"16220761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-27T14:00:01.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["THIS IS NOT A DUPLICATE COMPLAINT THIS IS NOT A DUPLICATE COMPLAINT THIS IS NOT A DUPLICATE COMPLAINT <em>NON-COMPLIANCE</em> <em>NON-COMPLIANCE</em> TRANSUNION <em>NON-COMPLIANCE</em> <em>NON-COMPLIANCE</em> CFPB <em>NON-COMPLIANCE</em> <em>NON-COMPLIANCE</em> TRANSUNION <em>NON-COMPLIANCE</em> <em>NON-COMPLIANCE</em> <em>NON-COMPLIANCE</em> TRANSUNION USED A ACCOUNT THAT WAS DISPUTED AND REMOVED IN XX/XX/year>, PUTTING THIS FRAUDULENT ACCOUNT BACK ON MY CREDIT REPORT, DROPPING MY SCORE XXXX POINTS, CAUSING CONFUSION AND DETRIMENTAL HARM TO A MINORITY XXXX DECORATED WAR VETERAN"]},"sort":[9.357436,"16220761"]},{"_index":"complaint-public-v1","_id":"11849902","_score":8.817276,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Non-Compliance Under the Fair Credit Reporting Act ( 15 USC 1681 ( o ) ) Dear I am writing to formally dispute a violation of the **Fair Credit Reporting Act** ( FCRA ), specifically under **15 USC 1681 ( o ) **, which outlines civil liability for negligent non-compliance with the obligations of the Act. I have identified an instance of non-compliance by your company that is negatively impacting my credit report and does not meet the requirements set forth by the FCRA.\n\nThis issue is causing tangible harm to my credit history and my ability to access fair financial services.\n\nAs stated in **15 USC 1681 ( o ) **, consumers are entitled to protection against negligent non-compliance with the provisions of the FCRA . I request that your company promptly investigate and correct the inaccurate or mishandled information in accordance with the procedures set forth by the law. Additionally, I expect written confirmation regarding the actions taken to rectify the issue within the timeframes specified by the FCRA.\n\nPlease be reminded that under the aforementioned statute, negligent non-compliance may result in civil liability, including compensatory damages, which can be claimed by affected consumers. I hope this matter can be resolved without the need for further legal action.\n\nThank you for your prompt attention to this matter. I look forward to your response within the time limits established by the FCRA. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-30T05:11:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11355","tags":null,"has_narrative":true,"complaint_id":"11849902","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-30T04:54:53.000Z","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":["Dispute of <em>Non-Compliance</em> Under the Fair Credit Reporting Act ( 15 USC 1681 ( o ) ) Dear I am writing to formally dispute a violation of the **Fair Credit Reporting Act** ( FCRA ), specifically under **15 USC 1681 ( o ) **, which outlines civil liability for negligent <em>non-compliance</em> with the obligations of the Act. I have identified an instance of <em>non-compliance</em> by your company that is negatively impacting my credit report and does not meet the requirements set forth by the FCRA."]},"sort":[8.817276,"11849902"]},{"_index":"complaint-public-v1","_id":"10284468","_score":8.661324,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for non-compliance and negligence these accounts, # XXXX. # XXXX XXXX. have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD NON-COMPLIANCE AT ITS FINEST.","date_sent_to_company":"2024-09-28T22:43:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75093","tags":null,"has_narrative":true,"complaint_id":"10284468","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-28T22:38:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for <em>non-compliance</em> and negligence these accounts, # XXXX. # XXXX XXXX. have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD <em>NON-COMPLIANCE</em> AT ITS FINEST."]},"sort":[8.661324,"10284468"]},{"_index":"complaint-public-v1","_id":"10284338","_score":8.622119,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for non-compliance and negligence these accounts, XXXX XXXX XXXX XXXX XXXX have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD NON-COMPLIANCE & NEGLIGENCE AT ITS FINEST.","date_sent_to_company":"2024-09-28T21:36:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75093","tags":null,"has_narrative":true,"complaint_id":"10284338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-28T21:23:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for <em>non-compliance</em> and negligence these accounts, XXXX XXXX XXXX XXXX XXXX have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD <em>NON-COMPLIANCE</em> & NEGLIGENCE AT ITS FINEST."]},"sort":[8.622119,"10284338"]},{"_index":"complaint-public-v1","_id":"8009705","_score":8.606749,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In the event the parties fail to comply, as the consumer, I hereby reserve the rights to sue both parties for willful and negligent non-compliance in federal court under the law. Furthermore, I bring this matter to the Consumer Financial Protection Bureau ( CFPB ) to further investigate this company and all of their non-compliance of consumer laws in my previous complaint ( s ). This company is causing intentional infliction of emotional distress, defamation, humiliation, and I reserve the right to sue at any time for non-compliance of this matter. \n\nAdditionally, I am officially and immediately rescinding any assumed authorization, whether verbal, non-verbal, written, or non-written, related to reporting the transaction information under my account. \n\nThank you, Best regards. \nXXXX, XXXX ( XXXX ), UCC 1-308 All rights reserved.","date_sent_to_company":"2023-12-15T20:08:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33150","tags":null,"has_narrative":true,"complaint_id":"8009705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Yamaha Motor Finance Corporation USA","date_received":"2023-12-15T19:51:14.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In the event the parties fail to comply, as the consumer, I hereby reserve the rights to sue both parties for willful and negligent <em>non-compliance</em> in federal court under the law. Furthermore, I bring this matter to the Consumer Financial Protection Bureau ( CFPB ) to further investigate this company and all of their <em>non-compliance</em> of consumer laws in my previous complaint ( s )."]},"sort":[8.606749,"8009705"]},{"_index":"complaint-public-v1","_id":"10284281","_score":8.6023445,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for non-compliance and negligence these accounts, XXXX XXXX XXXX XXXX XXXX. have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD NON-COMPLIANCE & NEGLIGENCE AT ITS FINEST.","date_sent_to_company":"2024-09-28T21:36:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75093","tags":null,"has_narrative":true,"complaint_id":"10284281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-28T21:36:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for <em>non-compliance</em> and negligence these accounts, XXXX XXXX XXXX XXXX XXXX. have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD <em>NON-COMPLIANCE</em> & NEGLIGENCE AT ITS FINEST."]},"sort":[8.6023445,"10284281"]},{"_index":"complaint-public-v1","_id":"8009774","_score":8.589965,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In the event the parties fail to comply, as the consumer, I hereby reserve the rights to sue both parties for willful and negligent non-compliance in federal court under the law. Furthermore, I bring this matter to the Consumer Financial Protection Bureau ( CFPB ) to further investigate this company and all of their non-compliance of consumer laws in my previous complaint ( s ). This company is causing intentional infliction of emotional distress, defamation, humiliation, and I reserve the right to sue at any time for non-compliance of this matter. \n\nAdditionally, I am officially and immediately rescinding any assumed authorization, whether verbal, non-verbal, written, or non-written, related to reporting the transaction information under my account. \n\nThank you, Best regards. \nXXXX, XXXX ( TTEE ), UCC 1-308 All rights reserved.","date_sent_to_company":"2023-12-15T20:08:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33150","tags":null,"has_narrative":true,"complaint_id":"8009774","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-15T20:08:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In the event the parties fail to comply, as the consumer, I hereby reserve the rights to sue both parties for willful and negligent <em>non-compliance</em> in federal court under the law. Furthermore, I bring this matter to the Consumer Financial Protection Bureau ( CFPB ) to further investigate this company and all of their <em>non-compliance</em> of consumer laws in my previous complaint ( s )."]},"sort":[8.589965,"8009774"]},{"_index":"complaint-public-v1","_id":"11102231","_score":8.5273905,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request the method of verification ( MOV ) for specific items on my credit report, as authorized by 15 U.S.C. 1681i ( 7 ) under the Fair Credit Reporting Act ( FCRA ). In my prior ( 8 ) disputes, I challenged the accuracy of the following accounts on my credit report : 1. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXXXXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. \n\nXXXX. Company did not provide specific documentation that establishes the accuracy and legitimacy of the account in question XXXX XXXX XXXX Account Number : XXXX Remove this account due to non-compliance XXXX. This is a duplicate account reporting the same account number and different balance. FCRA violation. \nXXXX XXXX XXXX  Account Number : XXXX Remove this account due to non-compliance with the FCRA XXXX. You were notified that the payment history is inaccurate and failed to correct or verify this account. Stop reporting for FCRA non-compliance of inaccurate data furnished on the consumer report XXXX XXXX XXXX Account Number : XXXX Stop reporting for FCRA non-compliance of inaccurate data furnished on the consumer report","date_sent_to_company":"2024-12-10T18:36:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76001","tags":null,"has_narrative":true,"complaint_id":"11102231","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-10T18:33:29.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Stop reporting for FCRA <em>non-compliance</em> of inaccurate data furnished on the consumer report XXXX XXXX XXXX Account Number : XXXX Stop reporting for FCRA <em>non-compliance</em> of inaccurate data furnished on the consumer report"]},"sort":[8.5273905,"11102231"]},{"_index":"complaint-public-v1","_id":"9100490","_score":8.481933,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently reviewed a copy of my credit report and noticed some fraudulent accounts on my report. Please remove these accounts from my report immediately as they are hindering my ability to obtain credit. \n\nI want to emphasize the gravity of this matter and my expectation for an effective, yet prompt response met with urgency. Failure to respond in a satisfactory manner will compel me to pursue legal action against your agency, as allowed by law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statute cost of {$1000.00}, as specified in 15 U.S.C 1692k.\n\n1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o Civil liability for negligent non-compliance 5. Violation under 15 U.S. Code 1681n ( b ) Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c Requirements relating to information contained in consumer reports 11. Violation under 15 U.S. Code 1601 Civil liability for negligent non-compliance 12. Violation under 18 USC 1028A Civil liability for negligent non-compliance 13. Violation under 15 U.S. Code 1692a Civil liability for willful non-compliance 14. Violation under 15 U.S. Code 1692b Civil liability for willful non-compliance I am taking this matter very seriously, and I demand that you take immediate action to block and permanently remove the fraudulent account from my credit report. I have provided all of the pertinent information to facilitate this process. I kindly request that you acknowledge this letter along with providing an acceptable timeline for the resolution of these matters.","date_sent_to_company":"2024-05-25T08:06:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9100490","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-25T07:36:10.000Z","state":"VA","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":["Code 1601 Civil liability for negligent <em>non-compliance</em> 12. Violation under 18 USC 1028A Civil liability for negligent <em>non-compliance</em> 13. Violation under 15 U.S. Code 1692a Civil liability for willful <em>non-compliance</em> 14. Violation under 15 U.S. Code 1692b Civil liability for willful <em>non-compliance</em> I am taking this matter very seriously, and I demand that you take immediate action to block and permanently remove the fraudulent account from my credit report."]},"sort":[8.481933,"9100490"]},{"_index":"complaint-public-v1","_id":"10548182","_score":8.450518,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Escalation of Unresolved FCRA Violations by Experian - Third Notice I am filing this third complaint against Experian for their continued willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This complaint follows two previous unresolved complaints : 1. Initial CFPB complaint # XXXX submitted on XX/XX/2024 2. Second CFPB complaint # XXXX submitted on XX/XX/2024 Nature of Complaint : Experian has demonstrated a pattern of non-compliance with FCRA requirements by : 1. Failing to respond within the mandatory 4-business-day timeline to block disputed items as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) 2. Ignoring multiple FTC Identity Theft Reports ( Numbers XXXX, XXXX, XXXX, XXXX ) 3. Failing to conduct the required reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) 4. Not providing the legally required description of their verification procedures under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 5. Maintaining disputed information without proper verification, in violation of FCRA 611 ( a ) ( 5 ) ( A ) Timeline of Non-Compliance : XX/XX/2024 : Initial CFPB complaint filed ( Complaint # XXXX ) XXXX XXXX : Second CFPB complaint filed ( Complaint # XXXX ) XX/XX/2024 : No action taken by XXXX after XXXX XXXXays This pattern of non-response and non-compliance suggests willful violation of FCRA requirements. Under FCRA 616 ( 15 U.S.C. 1681n ), willful non-compliance subjects Experian to : Actual damages sustained by the consumer Statutory damages of {$100.00} to {$1000.00} Punitive damages as determined by the court Costs of the action and reasonable attorney 's fees Requested Resolution : I demand immediate action from Experian to : 1. Immediately block all disputed items referenced in my previous complaints 2. Provide written documentation of : o The specific method of verification used for each disputed item o Names and addresses of all information furnishers contacted o Explanation for their failure to respond within statutory deadlines 3. Remove all unverified items from my credit report 4. Provide compensation for any credit denials or adverse actions taken due to their non-compliance I request that the CFPB : 1. Investigate Experian 's pattern of non-compliance 2. Enforce the statutory deadlines and requirements under FCRA 3. Consider this repeated non-compliance when evaluating penalties 4. Ensure Experian provides written confirmation of all actions taken within four days Previous Reference Numbers : CFPB Complaint # XXXX CFPB Complaint # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX I authorize the CFPB to share the details of this complaint with other government agencies if necessary for resolution or enforcement purposes.","date_sent_to_company":"2024-10-23T21:01:42.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"94544","tags":"Older American","has_narrative":true,"complaint_id":"10548182","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-23T20:56:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Provide compensation for any credit denials or adverse actions taken due to their <em>non-compliance</em> I request that the CFPB : 1. Investigate Experian 's pattern of <em>non-compliance</em> 2. Enforce the statutory deadlines and requirements under FCRA 3. Consider this repeated <em>non-compliance</em> when evaluating penalties 4."]},"sort":[8.450518,"10548182"]},{"_index":"complaint-public-v1","_id":"10546945","_score":8.450518,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Escalation of Unresolved FCRA Violations by Transunion - Third Notice I am filing this third complaint against XXXX for their continued willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This complaint follows two previous unresolved complaints : 1. Initial complaint # XXXX submitted on XX/XX/year> XXXX. Second complaint # XXXX submitted on XX/XX/year> Nature of Complaint : Transunion has demonstrated a pattern of non-compliance with FCRA requirements by : 1. Failing to respond within the mandatory 4-business-day timeline to block disputed items as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) 2. Ignoring multiple FTC Identity Theft Reports ( Numbers XXXX, XXXX, XXXX, XXXX ) 3. Failing to conduct the required reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) 4. Not providing the legally required description of their verification procedures under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 5. Maintaining disputed information without proper verification, in violation of FCRA 611 ( a ) ( 5 ) ( A ) Timeline of Non-Compliance : XX/XX/year> : Initial CFPB complaint filed ( Complaint # XXXX ) XXXX XXXX : Second CFPB complaint filed ( Complaint XXXX XXXX ) XX/XX/year> : No action taken by Transunion after 5+ days This pattern of non-response and non-compliance suggests willful violation of FCRA requirements. Under FCRA 616 ( 15 U.S.C. 1681n ), willful non-compliance subjects XXXX to : Actual damages sustained by the consumer Statutory damages of {$100.00} to {$1000.00} Punitive damages as determined by the court Costs of the action and reasonable attorney 's fees Requested Resolution : I demand immediate action from Transunion to : 1. Immediately block all disputed items referenced in my previous complaints 2. Provide written documentation of : o The specific method of verification used for each disputed item o Names and addresses of all information furnishers contacted o Explanation for their failure to respond within statutory deadlines 3. Remove all unverified items from my credit report 4. Provide compensation for any credit denials or adverse actions taken due to their non-compliance I request that the CFPB : 1. Investigate Transunion 's pattern of non-compliance 2. Enforce the statutory deadlines and requirements under FCRA 3. Consider this repeated non-compliance when evaluating penalties 4. Ensure Transunion provides written confirmation of all actions taken within four days Previous Reference Numbers : CFPB Complaint XXXX XXXXXXXX CFPB Complaint XXXX XXXXXXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report XXXX XXXXXXXX FTC Identity Theft Report XXXX XXXXXXXX FTC Identity Theft Report XXXX XXXXXXXX I authorize the CFPB to share the details of this complaint with other government agencies if necessary for resolution or enforcement purposes.","date_sent_to_company":"2024-10-23T21:12:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94544","tags":"Older American","has_narrative":true,"complaint_id":"10546945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-23T21:08:28.000Z","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":["Provide compensation for any credit denials or adverse actions taken due to their <em>non-compliance</em> I request that the CFPB : 1. Investigate Transunion 's pattern of <em>non-compliance</em> 2. Enforce the statutory deadlines and requirements under FCRA 3. Consider this repeated <em>non-compliance</em> when evaluating penalties 4."]},"sort":[8.450518,"10546945"]},{"_index":"complaint-public-v1","_id":"10547629","_score":8.425876,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Escalation of Unresolved FCRA Violations by Equifax - Third Notice I am filing this third complaint against Equifax for their continued willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This complaint follows two previous unresolved complaints : 1. Initial CFPB complaint # XXXX submitted on XX/XX/2024 XXXX. Second CFPB complaint # XXXX submitted on XX/XX/2024 Nature of Complaint : Equifax has demonstrated a pattern of non-compliance with FCRA requirements by : 1. Failing to respond within the mandatory 4-business-day timeline to block disputed items as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) 2. Ignoring multiple FTC Identity Theft Reports ( Numbers XXXX, XXXX, XXXX, XXXX ) XXXX. Failing to conduct the required reinvestigation under FCRA XXXX ( a ) ( XXXX ) ( A ) XXXX. Not providing the legally required description of their verification procedures under FCRA XXXX ( a ) ( XXXX ) ( B ) ( iii ) XXXX. Maintaining disputed information without proper verification, in violation of FCRA XXXX ( a ) ( XXXX ) ( A ) Timeline of Non-Compliance : XX/XX/2024 : Initial CFPB complaint filed ( Complaint # XXXX XXXX XXXX : Second CFPB complaint filed ( Complaint # XXXX ) XX/XX/2024 : No action taken by Equifax after 5+ days This pattern of non-response and non-compliance suggests willful violation of FCRA requirements. Under FCRA 616 ( 15 U.S.C. 1681n ), willful non-compliance subjects Equifax to : Actual damages sustained by the consumer Statutory damages of {$100.00} to {$1000.00} Punitive damages as determined by the court Costs of the action and reasonable attorney 's fees Requested Resolution : I demand immediate action from Equifax to : 1. Immediately block all disputed items referenced in my previous complaints XXXX. Provide written documentation of : o The specific method of verification used for each disputed item o Names and addresses of all information furnishers contacted o Explanation for their failure to respond within statutory deadlines XXXX. Remove all unverified items from my credit report XXXX. Provide compensation for any credit denials or adverse actions taken due to their non-compliance I request that the CFPB : XXXX. XXXX Equifax 's pattern of non-compliance XXXX. Enforce the statutory deadlines and requirements under FCRA XXXX. Consider this repeated non-compliance when evaluating penalties XXXX. Ensure Equifax provides written confirmation of all actions taken within XXXX days Previous Reference Numbers : CFPB Complaint # XXXX CFPB Complaint # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX I authorize the CFPB to share the details of this complaint with other government agencies if necessary for resolution or enforcement purposes.","date_sent_to_company":"2024-10-23T20:46:40.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"94544","tags":"Older American","has_narrative":true,"complaint_id":"10547629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-23T20:39:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Provide compensation for any credit denials or adverse actions taken due to their <em>non-compliance</em> I request that the CFPB : XXXX. XXXX Equifax 's pattern of <em>non-compliance</em> XXXX. Enforce the statutory deadlines and requirements under FCRA XXXX. Consider this repeated <em>non-compliance</em> when evaluating penalties XXXX."]},"sort":[8.425876,"10547629"]},{"_index":"complaint-public-v1","_id":"14975558","_score":8.364153,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX CARD - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance BMGMONEYIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance MIDTOWN FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance EXETER FI - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX XXXX - XX/XX/year> - This hard inquiry was unauthorized and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), as I did not consent to it, and I demand its immediate removal or face potential legal action.","date_sent_to_company":"2025-07-30T16:56:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"14975558","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-30T16:56:07.000Z","state":"AL","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":["), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful <em>non-compliance</em> BMGMONEYIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful <em>non-compliance</em> XXXX FIN - These late payments are inaccurately"]},"sort":[8.364153,"14975558"]},{"_index":"complaint-public-v1","_id":"14975379","_score":8.361296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX CARD - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance BMGMONEYIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance MIDTOWN FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance EXETER FI - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX XXXX - XX/XX/year> - This hard inquiry was unauthorized and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), as I did not consent to it, and I demand its immediate removal or face potential legal action.","date_sent_to_company":"2025-07-30T16:56:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"14975379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-30T16:51:50.000Z","state":"AL","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":["), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful <em>non-compliance</em> BMGMONEYIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful <em>non-compliance</em> XXXX FIN - These late payments are inaccurately"]},"sort":[8.361296,"14975379"]},{"_index":"complaint-public-v1","_id":"14975559","_score":8.358495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX CARD - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance BMGMONEYIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance MIDTOWN FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance EXETER FI - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX XXXX - XX/XX/year> - This hard inquiry was unauthorized and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), as I did not consent to it, and I demand its immediate removal or face potential legal action.","date_sent_to_company":"2025-07-30T16:56:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"14975559","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-30T16:56:07.000Z","state":"AL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful <em>non-compliance</em> BMGMONEYIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful <em>non-compliance</em> XXXX FIN - These late payments are inaccurately"]},"sort":[8.358495,"14975559"]},{"_index":"complaint-public-v1","_id":"6185690","_score":8.357319,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CAPITAL ONE is in violation of the XXXX  for non-compliance to disclosures. They have been notified of the non-compliance of the \" XXXX '' and they continue to willfully invade my privacy by disclosing my private- non public financial information. According to the Fair Credit Reporting Act, XXXX, XXXX XXXX XXXX, XXXX and CAPITAL ONE are in violation of XXXX in connection to non-disclosures and reporting my private non public financial information. I have also sent this complaint for non-complaince of the XXXX to the Texas State Attorney General.","date_sent_to_company":"2022-11-09T19:01:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"6185690","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-11-09T18:44:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["CAPITAL ONE is in violation of the XXXX  for <em>non-compliance</em> to disclosures. They have been notified of the <em>non-compliance</em> of the \" XXXX '' and they continue to willfully invade my privacy by disclosing my private- <em>non</em> public financial information. According to the Fair Credit Reporting Act, XXXX, XXXX XXXX XXXX, XXXX and CAPITAL ONE are in violation of XXXX in connection to <em>non</em>-disclosures and reporting my private <em>non</em> public financial information."]},"sort":[8.357319,"6185690"]},{"_index":"complaint-public-v1","_id":"6185716","_score":8.343292,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CAPITAL ONE is in violation of the GLBA for non-compliance to disclosures. They have been notified of the non-compliance of the \" GLBA '' and they continue to willfully invade my privacy by disclosing my private- non public financial information. According to the Fair Credit Reporting Act, XXXX, XXXX XXXX XXXX, XXXX and CAPITAL ONE are in violation of GLBA in connection to non-disclosures and reporting my private non public financial information. I have also sent this complaint for non-complaince of the GLBA to the Texas State Attorney General.","date_sent_to_company":"2022-11-09T19:01:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"6185716","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-11-09T19:01:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["CAPITAL ONE is in violation of the GLBA for <em>non-compliance</em> to disclosures. They have been notified of the <em>non-compliance</em> of the \" GLBA '' and they continue to willfully invade my privacy by disclosing my private- <em>non</em> public financial information. According to the Fair Credit Reporting Act, XXXX, XXXX XXXX XXXX, XXXX and CAPITAL ONE are in violation of GLBA in connection to <em>non</em>-disclosures and reporting my private <em>non</em> public financial information."]},"sort":[8.343292,"6185716"]},{"_index":"complaint-public-v1","_id":"9503272","_score":8.24547,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since early 2024, I have disputed the account status for a Chime credit builder account. As of today, the account has been reported by Chime Bank as open with a balance of {$25.00} despite me closing it several months ago. The account showing a balance is adding to my debt to income, which has negative impacted my credit. This negative impact could have contributed to declines for new credit trade lines. I have disputed the account with all three credit reporting agencies, as well as Chime and it still remains. I am requesting that the account reflects the up to date account status and information. The credit builder account should show as paid as agreed and closed with a XXXX balance. Businesses that fail to maintain fair and accurate credit reports are subject to heavy fines and penalties. \n\nCivil Liability for Willful Non-Compliance Provisions and penalties for willful non-compliance are provided under section 616. [ 15 U.S.C. 1681n ] of the FCRA. The section is further divided into subsections that separately discuss civil liabilities for non-compliance with the customer and with the consumer reporting agency. Civil penalties for non-compliance with the provisions of the FCRA are as below. \n\nIn General Any person who willfully fails to comply with any requirement specified under this law concerning a consumer is accountable to that consumer for a sum comprising : A - The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more than {$1000.00} Chime Bank and the credit furnishers supply this information to the credit bureaus are in violation of the FCRA, despite my attempts to correct it, it hasnt been resolved.","date_sent_to_company":"2024-07-13T00:44:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"08611","tags":null,"has_narrative":true,"complaint_id":"9503272","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-07-13T00:14:30.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Civil Liability for Willful <em>Non-Compliance</em> Provisions and penalties for willful <em>non-compliance</em> are provided under section 616. [ 15 U.S.C. 1681n ] of the FCRA. The section is further divided into subsections that separately discuss civil liabilities for <em>non-compliance</em> with the customer and with the consumer reporting agency. Civil penalties for <em>non-compliance</em> with the provisions of the FCRA are as below."]},"sort":[8.24547,"9503272"]},{"_index":"complaint-public-v1","_id":"2873268","_score":8.195198,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX is manipulating my credit files in violation of federal law. XXXX XXXX and Experian are complicit in this manipulation. \n\nI have attached two copies of my XXXX XXXX file ( Experian is the same ) showing that XXXX XXXX had closed the account in XX/XX/XXXX. They changed that report in XXXX to move the closed date to XX/XX/XXXX. This is negligent non-compliance at best and willful non-compliance at the worst. I did not redeem this repossession nor did I rewrite the balance in any way. The change of the closed date dropped my score XXXX points because it now appears that this is a recently closed collection. \n\nI already have a complain against XXXX XXXX for violation of the FCRA and FDCPA. ( Complaint number XXXX ) They had reported a balance of {$71.00} as late as XX/XX/XXXX. But when I tried to pay it, they said the balance was {$1500.00} and settled it for more than {$500.00}. Clearly a violation of the added funds portion of the FDCPA XXXX XXXX and EXPERIAN allowing this manipulation of federal law is definitely negligent non-compliance","date_sent_to_company":"2018-04-12T17:14:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19808","tags":null,"has_narrative":true,"complaint_id":"2873268","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-04-12T17:14:20.000Z","state":"DE","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":["Clearly a violation of the added funds portion of the FDCPA XXXX XXXX and EXPERIAN allowing this manipulation of federal law is definitely negligent <em>non-compliance</em>"]},"sort":[8.195198,"2873268"]},{"_index":"complaint-public-v1","_id":"2873664","_score":8.19248,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX is manipulating my credit files in violation of federal law. Trans Union and XXXX   are complicit in this manipulation. \n\nI have attached two copies of my Trans Union file ( XXXX is the same ) showing that XXXX XXXX had closed the account in XX/XX/XXXX. They changed that report in XXXX to move the closed date to XX/XX/XXXX. This is negligent non-compliance at best and willful non-compliance at the worst. I did not redeem this repossession nor did I rewrite the balance in any way. The change of the closed date dropped my score 50 points because it now appears that this is a recently closed collection. \n\nI already have a complain against XXXX XXXX for violation of the FCRA and FDCPA. ( Complaint number XXXX ) They had reported a balance of {$71.00} as late as XX/XX/XXXX. But  when I tried to pay it, they said the balance was {$1500.00} and settled it for more than {$500.00}. Clearly a violation of the added funds portion of the FDCPA TRANS UNION and XXXX  allowing this manipulation of federal law is definitely negligent non-compliance","date_sent_to_company":"2018-04-12T17:14:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19808","tags":null,"has_narrative":true,"complaint_id":"2873664","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-04-12T16:52:24.000Z","state":"DE","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":["Clearly a violation of the added funds portion of the FDCPA TRANS UNION and XXXX  allowing this manipulation of federal law is definitely negligent <em>non-compliance</em>"]},"sort":[8.19248,"2873664"]},{"_index":"complaint-public-v1","_id":"15338736","_score":8.174638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute and Request for Immediate Deletion Willful Non-Compliance as Fraud To Whom It May Concern : I am formally disputing the accuracy and legality of the above-referenced account appearing on my credit report, under my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ).\n\nDespite prior attempts to resolve this matter directly with the furnisher and the credit reporting agencies, the account in question continues to be reported inaccurately and without proper verification. This constitutes willful non-compliance with the FCRA, and I am now escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) for immediate investigation and resolution.\n\nGrounds for Dispute : Lack of Proper Verification : The furnisher has failed to provide legally sufficient documentation to verify the accuracy and ownership of the account. Violation of FCRA Procedures : The continued reporting of this account without proper reinvestigation violates 15 U.\nS.C. 1681i ( a ), which mandates a timely and thorough reinvestigation of disputed information.\n\nWillful Non-Compliance and Fraud : The persistent reporting of unverifiable and inaccurate information, despite notice of dispute, may constitute willful non-compliance and fraudulent misrepresentation under federal law. \n\nRequested Action : I respectfully request the CFPB to : Investigate the reporting practices of the furnisher and the credit reporting agencies involved.\n\nEnforce compliance with the FCRA and any other applicable consumer protection statutes.\n\nDirect the immediate deletion of the disputed account from all consumer reporting agencies due to failure to verify and continued willful non-compliance.\n\nI am formally disputing multiple accounts that have been previously removed from my credit report following valid disputes. These accounts have now been reinserted without proper notice or verification, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).\n\nLegal Violations : Failure to Notify of Reinsertion Under FCRA 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts previously deleted information, it must notify the consumer in writing within 5 business days. I have not received any such notice. \nFailure to Certify Accuracy Before Reinsertion Per FCRA 1681i ( a ) ( 5 ) ( A ), the information must be certified by the furnisher as accurate before it can be reinserted. There is no evidence that this certification occurred.\n\nFailure to Conduct Reasonable Reinvestigation Under FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. The repeated reinsertion of previously disputed and removed accounts suggests that no proper reinvestigation was conducted.\n\nWillful Non-Compliance and Negligence. These actions may constitute willful non-compliance under FCRA 1681n and negligent non-compliance under FCRA 1681o, both of which are grounds for legal action and damages.\n\nI am attaching all relevant documentation, including prior dispute letters, responses ( if any ), and copies of my credit report showing the disputed account. \n\nThank you for your attention to this urgent matter. I trust the CFPB will act swiftly to protect my rights and ensure fair and accurate credit reporting.","date_sent_to_company":"2025-08-17T19:51:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75007","tags":null,"has_narrative":true,"complaint_id":"15338736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-17T19:16:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Willful <em>Non-Compliance</em> and Negligence. These actions may constitute willful <em>non-compliance</em> under FCRA 1681n and negligent <em>non-compliance</em> under FCRA 1681o, both of which are grounds for legal action and damages.\n\nI am attaching all relevant documentation, including prior dispute letters, responses ( if any ), and copies of my credit report showing the disputed account. \n\nThank you for your attention to this urgent matter."]},"sort":[8.174638,"15338736"]},{"_index":"complaint-public-v1","_id":"8973401","_score":8.169538,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Non-compliance reporting / incorrect information. I will be seeking litigation","date_sent_to_company":"2024-05-09T19:58:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11419","tags":null,"has_narrative":true,"complaint_id":"8973401","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-09T19:42:01.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Non-compliance</em> reporting / incorrect information. I will be seeking litigation"]},"sort":[8.169538,"8973401"]},{"_index":"complaint-public-v1","_id":"8973379","_score":8.167883,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Non-compliance reporting / incorrect information. I will be seeking litigation","date_sent_to_company":"2024-05-09T19:58:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11419","tags":null,"has_narrative":true,"complaint_id":"8973379","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-09T19:58:47.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Non-compliance</em> reporting / incorrect information. I will be seeking litigation"]},"sort":[8.167883,"8973379"]},{"_index":"complaint-public-v1","_id":"8973624","_score":8.165358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Non-compliance reporting / incorrect information. I will be seeking litigation","date_sent_to_company":"2024-05-09T19:35:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11419","tags":null,"has_narrative":true,"complaint_id":"8973624","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-09T19:27:54.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Non-compliance</em> reporting / incorrect information. I will be seeking litigation"]},"sort":[8.165358,"8973624"]},{"_index":"complaint-public-v1","_id":"8973576","_score":8.165358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Non-compliance reporting / incorrect information. I will be seeking litigation","date_sent_to_company":"2024-05-09T19:35:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11419","tags":null,"has_narrative":true,"complaint_id":"8973576","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-09T19:35:10.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Non-compliance</em> reporting / incorrect information. 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