{"took":269,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":8499,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2797991","_score":14.144976,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian Complaint # XXXX Response on XX/XX/2018 Experian has yet to provide proof of balance as I have uploaded the document from XXXX XXXX XXXX. Nor has Experian provided any proof of any from XXXX of the amount of the loan. Experian has not provided any proof of XXXX being the original owner of the requested loan. \nExperian states that they have the loan amount right as stated by Experian of {$24000.00} in which is wrong and I have the proof of the document from XXXX XXXX XXXX of the loan being {$25000.00} so how is Experian response right as they claim but have no supporting documents from XXXX XXXX XXXX as proof. As Errors in the reporting you cant say XXXX legally unless you have documentation that they were the original owner of the loan or provide documented proof of the said loan. XXXX XXXX XXXX is the owner of the original loan not XXXX. Experian needs to provide me documented proof of the documents. XXXX XXXX Cleary states on there letter they did not report this loan and Experian has XXXX/XXXX XXXX XXXX on my credit file so 2 company 's cant show one reporting and the other on the same trade line but one provided proof and as of yet Experian has yet to prove or provide documents as XXXX XXXX XXXX. I did not sign any loan agreements with XXXX nor has Experian Provided any proof of this in any way. Experian has not provide any proof of the loan amount as they show as {$24000.00} when in fact my documents show XXXX in which by law is no correct nor right and violates my rights of a debt not showing correct or document proof from Experian other wise to prove me wrong. As XXXX stated in there letter they did not provide delinquency information to the credit reporting agencies. I have yet to see any documents from XXXX as the loan original owner or documents from Experian there cant be 2 loan company 's on the same trade line one reporting and the other one is not but XXXX is not the original owner nor has Experian provided proof to me as they are or any documents. As the loan was adjusted it not correct so there for the loan is in error.","date_sent_to_company":"2018-01-30T17:12:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19013","tags":null,"has_narrative":true,"complaint_id":"2797991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-01-30T16:38:09.000Z","state":"PA","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":["Experian Complaint # XXXX Response on XX/XX/2018 Experian has yet to provide <em>proof</em> of balance as I have uploaded the <em>document</em> from XXXX XXXX XXXX. Nor has Experian provided any <em>proof</em> of any from XXXX of the amount of the loan. Experian has not provided any <em>proof</em> of XXXX <em>being</em> the original owner of the <em>requested</em> loan."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[14.144976,"2797991"]},{"_index":"complaint-public-v1","_id":"4048783","_score":14.134565,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX I was sent a collection attempt for an alleged medical debt from Revco Solutions in the amount of {$150.00}. On XX/XX/XXXX I had emailed their management office a request for them to provide supporting documents from the original creditor to substantiate the medical debt. I was very detailed in my request and explanations to the company. On XX/XX/XXXX Revco solutions sent me another letter and collection attempt for an additional {$120.00} and refuses to provide the requested documents to substantiate the alleged medical debt. my name which is unique is often confused with other people named XXXX or XXXX. I do not recall any treatment or date of service on the dates they have listed. I have requested a copy of my signed consent for treatment and billing and other financial assistance documents. I have full medical/medicaid insurance and I feel that this is a fraudulent billing attempt. Instead of the company providing the requested documents and proof of the debt being valid they think I should send them proof I paid the debt.","date_sent_to_company":"2021-01-05T20:33:04.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"49401","tags":"Servicemember","has_narrative":true,"complaint_id":"4048783","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Revco Management, LLC","date_received":"2021-01-05T20:14:03.000Z","state":"MI","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Instead of the company providing the <em>requested</em> <em>documents</em> and <em>proof</em> of the debt <em>being</em> valid they think I should send them <em>proof</em> I paid the debt."]},"sort":[14.134565,"4048783"]},{"_index":"complaint-public-v1","_id":"6068393","_score":14.112985,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In regards to a complaint with Ally Financial and the case being closed because the replied is at it seems. The first complaint was never responded with proof by mail or thru the CFPB. A request for accounting per GAAP regulations, which a consumer is completely entitled to. Ally representative sent a copy of a document which does not qualify as accounting is not proper verification. Upon looking and reading over the Contract, Ally Financials name was not placed anywhere on the document. Also while looking at the document there was no reference to Ally Financial placing a signature on this document. In the response all of the documents were not attached, missing was the Recission of signature document, all of the instruments that were sent to to Ally a the responses stating they do not accept payment in that form. \nAttached is a file claiming the account shows a Charge Off status. This has been done without any authentic real proof of claim. Four notarized Authentic documents sent to Ally by Consumer with no valid response. It is difficult to do any transaction or contract when there are two completely different entities involved. Ally Financial being a legal entitiy, a corporation in a different juristiction registered with government agencies. and other corporate entities. This being a natural person, physical person, with proof of being born in a juristiction not like the corporation.","date_sent_to_company":"2022-10-10T05:13:59.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"56007","tags":null,"has_narrative":true,"complaint_id":"6068393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2022-10-10T03:41:36.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Four notarized Authentic <em>documents</em> sent to Ally by Consumer with no valid response. It is difficult to do any transaction or contract when there are two completely different entities involved. Ally Financial <em>being</em> a legal entitiy, a corporation in a different juristiction registered with government agencies. and <em>other</em> corporate entities. This <em>being</em> a natural person, physical person, with <em>proof</em> of <em>being</em> born in a juristiction not like the corporation."]},"sort":[14.112985,"6068393"]},{"_index":"complaint-public-v1","_id":"4242287","_score":14.080635,"_source":{"product":"Mortgage","complaint_what_happened":"SLS.net has been my loan servicer since XX/XX/2020. There's a late charge of {$2000.00} that was added to my account. I have been trying to get SLS.net to provide proof of when the charges have been incurred and they keep sending other documents besides the document being requested.","date_sent_to_company":"2021-03-24T15:42:11.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"4242287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Specialized Loan Servicing Holdings LLC","date_received":"2021-03-24T15:31:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I have been trying to get SLS.net to provide <em>proof</em> of when the charges have been incurred and they keep sending <em>other</em> <em>documents</em> besides the <em>document</em> <em>being</em> <em>requested</em>."]},"sort":[14.080635,"4242287"]},{"_index":"complaint-public-v1","_id":"9529454","_score":13.645129,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've contacted the creditor company several times, I've provided them with the information requested for the dispute. I've contacted lawyers about the same issue, I reported to Capital One & XXXX XXXX about my information being involved in multiple data breachs and also provided them with documents of incarceration at the time of the account being opened. They removed the credit from one of the credit bureau reports but it still shows up on the others. The creditor also have not sent any correspondence documents providing proof of accuracy of credit.","date_sent_to_company":"2024-07-16T19:24:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28311","tags":null,"has_narrative":true,"complaint_id":"9529454","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-07-16T19:10:08.000Z","state":"NC","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["The creditor also have not sent any correspondence <em>documents</em> providing <em>proof</em> of accuracy of credit."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[13.645129,"9529454"]},{"_index":"complaint-public-v1","_id":"5340682","_score":13.229612,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I HAVE A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM BEING A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE EXPERIAN WITH THE REQUESTED DOCUMENTS AS IN A POLICE REPORT WITH A XXXX REPORT ALONG WITH MY DRIVERS LISENSE AND THE XXXX COMPANIES WILL NOT SEND PROOF THAT THE ACCOUT IS MINES EXPERIAN IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE OTHERS REMOVED THEM ALREADY.","date_sent_to_company":"2022-03-18T22:07:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"22901","tags":null,"has_narrative":true,"complaint_id":"5340682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-18T21:42:55.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I HAVE A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM <em>BEING</em> A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE EXPERIAN WITH THE <em>REQUESTED</em> <em>DOCUMENTS</em> AS IN A POLICE REPORT WITH A XXXX REPORT ALONG WITH MY DRIVERS LISENSE AND THE XXXX COMPANIES WILL NOT SEND <em>PROOF</em> THAT THE ACCOUT IS MINES EXPERIAN IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE <em>OTHERS</em> REMOVED THEM ALREADY."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[13.229612,"5340682"]},{"_index":"complaint-public-v1","_id":"5340685","_score":13.219448,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I HAVE A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM BEING A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE XXXX WITH THE REQUESTED DOCUMENTS AS IN A POLICE REPORT WITH A FTC REPORT ALONG WITH MY DRIVERS LISENSE AND THE THREE COMPANIES WILL NOT SEND PROOF THAT THE ACCOUT IS MINES XXXX IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE OTHERS REMOVED THEM ALREADY.","date_sent_to_company":"2022-03-18T22:07:28.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"22901","tags":null,"has_narrative":true,"complaint_id":"5340685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MARINER FINANCE, LLC","date_received":"2022-03-18T22:07:21.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I HAVE A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM <em>BEING</em> A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE XXXX WITH THE <em>REQUESTED</em> <em>DOCUMENTS</em> AS IN A POLICE REPORT WITH A FTC REPORT ALONG WITH MY DRIVERS LISENSE AND THE THREE COMPANIES WILL NOT SEND <em>PROOF</em> THAT THE ACCOUT IS MINES XXXX IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE <em>OTHERS</em> REMOVED THEM ALREADY."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[13.219448,"5340685"]},{"_index":"complaint-public-v1","_id":"3499371","_score":13.091552,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have asked Equifax, XXXX  & XXXX  to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. \n\nI have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). \n\nI also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! \n\nThe dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified.\n\nI also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. \n\nI have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.","date_sent_to_company":"2020-01-16T23:35:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78239","tags":null,"has_narrative":true,"complaint_id":"3499371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-01-16T23:35:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without <em>being</em> able to provide the full, and accurate contract and <em>other</em> <em>requested</em> <em>documents</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[13.091552,"3499371"]},{"_index":"complaint-public-v1","_id":"3499314","_score":13.091552,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have asked XXXX, Experian & XXXX  to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. \n\nI have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). \n\nI also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! \n\nThe dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified. \n\nI also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. \n\nI have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.","date_sent_to_company":"2020-01-16T23:35:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78239","tags":null,"has_narrative":true,"complaint_id":"3499314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-01-16T22:29:16.000Z","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":["I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without <em>being</em> able to provide the full, and accurate contract and <em>other</em> <em>requested</em> <em>documents</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[13.091552,"3499314"]},{"_index":"complaint-public-v1","_id":"3499373","_score":13.073172,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have asked XXXX, XXXX & Transunion to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. \n\nI have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). \n\nI also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! \n\nThe dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document,these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this  debt as being valid and verified. \nI also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. \n\nI have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.","date_sent_to_company":"2020-01-16T23:35:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78239","tags":null,"has_narrative":true,"complaint_id":"3499373","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-01-16T23:35:09.000Z","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":["I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without <em>being</em> able to provide the full, and accurate contract and <em>other</em> <em>requested</em> <em>documents</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[13.073172,"3499373"]},{"_index":"complaint-public-v1","_id":"9937256","_score":13.064034,"_source":{"product":"Debt collection","complaint_what_happened":"I've requested all documents from the collections agency that was sent from the XXXX provider validating that I owe a debt. What I received was an XXXXXXXX XXXX  with a list of charges. I contacted the collection agency and explained that I requested a summary of charges billed and payments received from my insurance company which shows I have an amount left over to be billed. The collection agency confirmed they have no explanation of benefits any proof of bills or services. All they were sent was the XXXX without any other information. I was told that they don't have any proof of a debt other than taking the XXXX  office word for it. I have requested a copy of the explanation of benefits as well from my XXXX office. As of date I have not received any billing proof from them either. I have been incorrectly charged due to poor billing practices at the XXXX   office. There is fraudulent billing being performed.","date_sent_to_company":"2024-08-27T17:12:35.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"64081","tags":null,"has_narrative":true,"complaint_id":"9937256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Creditors Financial Services, LLC","date_received":"2024-08-27T16:55:47.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["All they were sent was the XXXX without any <em>other</em> information. I was told that they don't have any <em>proof</em> of a debt <em>other</em> than taking the XXXX  office word for it. I have <em>requested</em> a copy of the explanation of benefits as well from my XXXX office. As of date I have not received any billing <em>proof</em> from them either. I have been incorrectly charged due to poor billing practices at the XXXX   office. There is fraudulent billing <em>being</em> performed."]},"sort":[13.064034,"9937256"]},{"_index":"complaint-public-v1","_id":"1799640","_score":12.9603,"_source":{"product":"Credit reporting","complaint_what_happened":"I am not satisfied with the XXXX from ChexSystems. In my disputed request I asked for copies of the documents sent to them from the appropriate companies in dispute. In that disputed statement I clearly stated that I wanted a copy of what CHEXSTSTEMS received from the companies. If they can not provide that information to me then they have not meet the burden of proving that they this information is accurate. I am stating that this information being reported is not accurate. I never stated identity theft. I stated this information is not being accurately reported and that the inquires on my report are not accurate in that they did not obtain my authorization to inquire or receive a copy of the report. If ChexSystems can not provide documented and written proof that these people have accurate information and that they received proper authorization this needs to be removed from my report. The derogatory items are causing me harm and they are not accurate and the inquires are not any that I am aware of at this time. With that stated ChexSystems is not following the law and is reporting inaccurate information. If ChexSystems continues to do this I will have not other choice but to file a lawsuit in federal court and to sue the other parties listed as well. If ChexSystems is checking and truly investigating they should have provided me with a accurate duplicated copy of what these companies have sent to them as so called proof. Based on their actions they have not met the burden of proof of the law and they should be required to do so. I am so tired of agencies doing XXXX like this to people. I want duplicate copies of the documents sent to ChexSystems as proof of these degrogatory items being reported. I do not believe that Chex sytems has contacted these people at all. If they had contacted them they would provide duplicate copies of the information they received. I will be waiting for a accurate response. ChexSystems is sending what they feel like sending and not what is required by law","date_sent_to_company":"2016-02-23T23:12:57.000Z","issue":"Improper use of my credit report","sub_product":null,"zip_code":"60616","tags":null,"has_narrative":true,"complaint_id":"1799640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2016-02-23T23:12:57.000Z","state":"IL","company_public_response":"Company chooses not to provide a public response","sub_issue":"Report improperly shared by CRC"},"highlight":{"complaint_what_happened":["In my disputed <em>request</em> I asked for copies of the <em>documents</em> sent to them from the appropriate companies in dispute. In that disputed statement I clearly stated that I wanted a copy of what CHEXSTSTEMS received from the companies. If they can not provide that information to me then they have not meet the burden of proving that they this information is accurate. I am stating that this information <em>being</em> reported is not accurate. I never stated identity theft."]},"sort":[12.9603,"1799640"]},{"_index":"complaint-public-v1","_id":"3147328","_score":12.939764,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax is reporting a negative account ( # XXXX, {$7600.00}, XXXX XXXX XXXX XXXX ) on my Equifax credit file as a \" Charge off, '' when in fact the account is a civil judgment ( see attached court document proving this account is a civil judgment ) that does not contain the proper identifying information. This account is being falsely and inaccurately reported as a charge off. This is a civil judgment and not a charge off. It does not contain my social security number, my address or my date of birth. I have disputed this account with Equifax several times and each time Equifax responds with a notice that the account was verified by Equifax. ( See attached response from Equifax, page 3 ) Equifax provided no documented proof that it should have requested and received from the creditor as a part of its investigation. Equifax has no documented proof that this account is not a civil judgment and it Equifax has not conducted a proper investigation of my disputes according to the law. This account is not being reported by the other two credit reporting agencies.","date_sent_to_company":"2019-02-09T08:48:02.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77066","tags":null,"has_narrative":true,"complaint_id":"3147328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-02-09T03:05:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This account is not <em>being</em> reported by the <em>other</em> two credit reporting agencies."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[12.939764,"3147328"]},{"_index":"complaint-public-v1","_id":"2212961","_score":12.828447,"_source":{"product":"Mortgage","complaint_what_happened":"FAILED TO PROVIDE PROOF OF CLAIM : ORIGINAL PROMISSORY NOTE WITH SIGNATURES. Please provide me with the documents I have requested and a detailed answer to each of my questions within the required lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional QWR letter. PLEASE ENSURE THAT ALL RESPONSES ARE IDENTIFIED AND REFRENCED FOR EACH ITEM and/or POINT OF REPRESENTMENT OF FACT. \n\nCopies of this Qualified Written Request, Validation of Debt, TlLA and request for accounting and legal records, Dispute of Debt letter are being sent to FTC, HUD, Thrift Supervision, all relevant state and federal regulators ; and other consumer advocates ; and my Congressman within 30 days. \n\n\nIt is my sincere hope that you answer this RESPA REQUEST in accordance with law and the questions, documents and validation of debt to the \" XXXX '' are correct and any abuse ( s ) or scheme ( s ) uncovered and thoroughly documented.","date_sent_to_company":"2016-11-18T19:12:50.000Z","issue":"Settlement process and costs","sub_product":"Other mortgage","zip_code":"98597","tags":"Servicemember","has_narrative":true,"complaint_id":"2212961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-11-17T23:23:32.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Copies of this Qualified Written <em>Request</em>, Validation of Debt, TlLA and <em>request</em> for accounting and legal records, Dispute of Debt letter are <em>being</em> sent to FTC, HUD, Thrift Supervision, all relevant state and federal regulators ; and <em>other</em> consumer advocates ; and my Congressman within 30 days."],"sub_product":["<em>Other</em> mortgage"]},"sort":[12.828447,"2212961"]},{"_index":"complaint-public-v1","_id":"8173309","_score":12.730886,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX I closed on a Mortgage with XXXX XXXX. \n\nAfter being transferred between 3 different lenders XXXX XXXX, XXXX XXXX and Midland Mortgage I put in a request to Midland Mortgage for my original loan documents. I realized that I didn't have full understanding nor was I given full disclosure, explanations, documentation and legal requirements by law on how this process actually works from said lenders via mail. After receiving the requested documents on XX/XX/XXXX I noticed alterations and discrepancies in the documents. \n\nAlterations and discrepancies : I noticed a gap in the chain of ownership that the 3rd current lender Midland Mortgage is shown on the note insinuating they were present during the original closing date. \nThis Signing of the promissory note took place without all parties involved being present. \nMy second Lender XXXX XXXX XXXX was never mentioned on the promissory note as the next 2nd owner. \n\nThese alterations and discrepancies raised my concern on the validity of the Ownership and servicing responsibilities carried out by Midland Mortgage. On XX/XX/XXXX i sent a certified letter ( qualified written request with a debt validation ) requesting proof of ownership, from date of original closing up to current, servicing contracts and judgments validating the servicing responsibilities and legal standing of all companies involved, a Validation of the debt owed to Midfirst bank serviced by Midland Mortgage. \n\nMy overall complaint is that Midland Mortgage has not replied to the QWR and Debt Validation letter that was sent on XX/XX/XXXX. Midland Mortgage failed to show proof of legal standing, proof of ownership, proof of claim, judgements, and any other documents to validate their right to collect. Thus Far Midland Mortgage is continuing to collect without proper documentation to support their claims.","date_sent_to_company":"2024-01-12T19:40:53.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"8173309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MIDFIRST BANK","date_received":"2024-01-12T19:03:19.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["Midland Mortgage failed to show <em>proof</em> of legal standing, <em>proof</em> of ownership, <em>proof</em> of claim, judgements, and any <em>other</em> <em>documents</em> to validate their right to collect. Thus Far Midland Mortgage is continuing to collect without proper documentation to support their claims."]},"sort":[12.730886,"8173309"]},{"_index":"complaint-public-v1","_id":"18089649","_score":12.686745,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"This is a continuation of a complaint with XXXX, due to XXXX closing the complaint and still bearing no proof. XXXX continues to respond to my concerns by attaching the Motor Vehicle Lease Agreement and stating that I share responsibility under the lease. I do not dispute my guarantor status. That is not the issue. \n\nThe issue is that XXXX failed to timely provide the documents I needed to act through proper legal and DMV channels, specifically : A certified copy of the title A Power of Attorney Between XX/XX/XXXX and XX/XX/XXXX, I made multiple requests for these documents and did not receive them in a usable timeframe. Now with me stating the facts and documents that I have ; XXXX now claims the documents were mailed to me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that documents were sent to the XXXX DMV on XX/XX/XXXX. \n\nI personally went to the XXXX DMV, and the DMV confirmed that no such documents were on file, preventing me from completing any transaction. After which, I called to check on these documents until XX/XX/XXXX. And it was always stated they do not have these documents on file. And during calls with XXXX each time I would have to give them my proper address and ask that documents not be sent to any other address, unless it was the one I have on file. Main reason being due to not receiving the documents at all, in which XXXX was made aware of EVERY TIME. \n\nAs you can see from me requesting these documents and not receiving them, I had to keep requesting. XXXX even states that documents have been requested and sent multiple times. Why did I even need to request much needed documentation to the proper address so many times? \n\nXXXX has not provided proof of mailing or delivery for any of these alleged transmissions. Which they are now saying they have sent to me, and that I should have gotten them. \n\nI am requesting that XXXX be required to provide : Proof of mailing ( carrier, tracking numbers, dates, and addresses ) for all documents allegedly sent to me Proof of transmission and recipient details for documents allegedly sent to the XXXX DMV Without proof, XXXX claims are unsupported. Expecting performance from a guarantor while failing to provide necessary documentation is unreasonable and improper.","date_sent_to_company":"2025-12-16T21:54:52.000Z","issue":"Repossession","sub_product":"Lease","zip_code":"11701","tags":null,"has_narrative":true,"complaint_id":"18089649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mercedes Benz Financial Services","date_received":"2025-12-16T21:12:25.000Z","state":"NY","company_public_response":null,"sub_issue":"Deficiency balance after repossession"},"highlight":{"complaint_what_happened":["And during calls with XXXX each time I would have to give them my proper address and ask that <em>documents</em> not be sent to any <em>other</em> address, unless it was the one I have on file. Main reason <em>being</em> due to not receiving the <em>documents</em> at all, in which XXXX was made aware of EVERY TIME. \n\nAs you can see from me <em>requesting</em> these <em>documents</em> and not receiving them, I had to keep <em>requesting</em>. XXXX even states that <em>documents</em> have been <em>requested</em> and sent multiple times."]},"sort":[12.686745,"18089649"]},{"_index":"complaint-public-v1","_id":"7137500","_score":12.679446,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have reached out to Transunion Credit Bureau on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to incorrect information and discrepancies inaccurately being reported on my credit report. My method of contact has been via certified mail in which I have received proof of receipt and delivery for. Upon receipt of each request sent to Transunion credit bureau, they have opened an investigation on my behalf to verify the information I provided as inaccurate in my communication to them. Each investigation completed, yielded in the information coming back as either verified or updated. I never received any information from Transunion in reference to verification documents related to their methods of verification as requested. I have also notified Transunion that per the Federal Credit Reporting Act ( FCRA ) laws and Metro 2 reporting guidelines, that they must only provide and retain accurate information within their reports. Transunion has repeatedly violated my consumer rights by not removing the discrepancies, updating them correctly or providing me with proof of their method of verification related to their investigations. The accounts that I requested for Transunion to investigate are as follows : XXXX XXXX XXXX - # XXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX # XXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXXXXXX, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXXXXXX XXXX XXXX XXXX XXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly,, duplicate accounts being reported by the same creditor with the same account numbers XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly, duplicate accounts being reported by the same creditor with the same account numbers XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXX XXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX # XXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly XXXX XXXX XXXX XXXXXXXX balance being reported on a charged off account, date of last activity reported on other credit bureaus, late payments being reported incorrectly In each request for investigation to Transunion, Ive requested that theyd provide me with proof of their methods of verification upon each request to date, no methods of verification have been provided. \n\nAlso, in my request to TransUnion, I have made it very clear of the discrepancies in my reports including but not limited to, payments being late payments being reported incorrectly, charge off accounts with balances being report, dates of last activity on accounts being different from what XXXX and XXXX has on record, duplicate accounts being reported by the same creditor with the same account numbers/balances/open date. In this I have provided TransUnion with screen shoots as proof as to what the other credit bureaus have reported as well for this same said account. \n\nThis is my final attempt to have TransUnion perform a thorough investigation in addition to providing proof before I seek to take legal action against the credit bureau for disregarding my rights as a consumer. Because of this misrepresentation of inaccurate and misinformation, it has negatively affected me in my relationship with current creditors and prospective creditors in obtain/maintaining current or future relationships. \n\nIn conclusion, because of my efforts to uphold Transunion to uphold my FCRA rights as well being out of compliance with Metro 2 reporting guidelines, I am now requesting for the account to be removed from my credit reports immediately.","date_sent_to_company":"2023-06-19T18:27:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"7137500","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-19T18:16:18.000Z","state":"NJ","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":["<em>being</em> reported incorrectly XXXX XXXX XXXX XXXXXXXX balance <em>being</em> reported on a charged off account, date of last activity reported on <em>other</em> credit bureaus, late payments <em>being</em> reported incorrectly In each <em>request</em> for investigation to Transunion, Ive <em>requested</em> that theyd provide me with <em>proof</em> of their methods of verification upon each <em>request</em> to date, no methods of verification have been provided."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"sub_issue":["<em>Their</em> investigation did not fix an error on your report"]},"sort":[12.679446,"7137500"]},{"_index":"complaint-public-v1","_id":"8122859","_score":12.672108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter.\n\nThis is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant.","date_sent_to_company":"2024-01-08T21:26:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"8122859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-08T21:26:41.000Z","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":["This letter is <em>being</em> sent to you in response to illegal findings and violations found within Claimants account with your company. Be advised that your claim is <em>being</em> disputed and validation and <em>proof</em> of claim of the disputed debt is <em>requested</em> in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each <em>other</em>."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[12.672108,"8122859"]},{"_index":"complaint-public-v1","_id":"8122860","_score":12.666931,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter.\n\nThis is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant.","date_sent_to_company":"2024-01-08T21:26:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"8122860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-08T21:26:41.000Z","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":["This letter is <em>being</em> sent to you in response to illegal findings and violations found within Claimants account with your company. Be advised that your claim is <em>being</em> disputed and validation and <em>proof</em> of claim of the disputed debt is <em>requested</em> in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each <em>other</em>."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[12.666931,"8122860"]},{"_index":"complaint-public-v1","_id":"8122895","_score":12.655882,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter.\n\nThis is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant.","date_sent_to_company":"2024-01-08T21:26:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30294","tags":null,"has_narrative":true,"complaint_id":"8122895","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-08T20:49:34.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This letter is <em>being</em> sent to you in response to illegal findings and violations found within Claimants account with your company. Be advised that your claim is <em>being</em> disputed and validation and <em>proof</em> of claim of the disputed debt is <em>requested</em> in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each <em>other</em>."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[12.655882,"8122895"]},{"_index":"complaint-public-v1","_id":"3532984","_score":12.639633,"_source":{"product":"Debt collection","complaint_what_happened":"The amount the company is telling me I owe is incorrect and therefore can not be reported without being able to verify the debt owed is correct, the only for them to know the debt owed is correct if for them to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX XXXX  XXXX XXXX to pursue collection and their licensing number, that I am requesting from the company before reporting it as verified and mine. I have requested Pro-Collect Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified. I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents. \n\nIf they are unable to provide the full contract and explain why they have charged a reletting fee of {$2600.00} when in the partial contract they sent me says a reletting fee is {$1100.00}, then they are unlawfully reporting this debt!","date_sent_to_company":"2020-02-15T16:55:30.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"78239","tags":null,"has_narrative":true,"complaint_id":"3532984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ProCollect, Inc.","date_received":"2020-02-15T16:36:07.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the <em>other</em> says XX/XX/2015, with my social security <em>being</em> written in the About you Section clearly with a different handwriting than the rest of the <em>document</em>, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and <em>other</em> said <em>proof</em> of charge discrepancies before they can prove this debt as <em>being</em> valid and verified."],"sub_product":["<em>Other</em> debt"]},"sort":[12.639633,"3532984"]},{"_index":"complaint-public-v1","_id":"2814556","_score":12.626507,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax Public Records has not provided me proof of my : Name, Address, Social Security Number, Date of Birth attach to the Liens filed under Public Record Information on my credit file from the source that they gather the information as well as the correct of information as well as proof to show my Name, Social Security Number, Date of Birth, Address that has to show it belongs to me an is correct. \n\nEquifax has yet to provide any Documented proof of these liens from the source documented proof. I have also spoken to an attorney and my next action is to file suit on Equifax for incorrect information wrong amounts and other various information gather or reported wrong. Equifax no they can't give me the information I have requested by law because as my attorney told me that's not on Public information in the state of California by privacy laws of public records. \n\nI'm tired of Equifax responding to things with no documented proof and every one no Equifax is not a reputable company for actions of breach consumers information being exposed as well as to unfair credit practice on consumers as well as created information in various forms on consumers credit report.","date_sent_to_company":"2018-02-14T14:51:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19013","tags":null,"has_narrative":true,"complaint_id":"2814556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-02-14T14:31:24.000Z","state":"PA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Equifax has yet to provide any <em>Documented</em> <em>proof</em> of these liens from the source <em>documented</em> <em>proof</em>. I have also spoken to an attorney and my next action is to file suit on Equifax for incorrect information wrong amounts and <em>other</em> various information gather or reported wrong. Equifax no they can't give me the information I have <em>requested</em> by law because as my attorney told me that's not on Public information in the state of California by privacy laws of public records."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[12.626507,"2814556"]},{"_index":"complaint-public-v1","_id":"5365595","_score":12.453412,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/2022 dated on my dispute I will place into file section I request for a signed or some sort of documented proof from a court ruling etc for the alleged debt owed to collections agency. I have not received this verification proof but continue to receive letters demanding I pay on accounts that does not belong to me. I feel as though I am being ran over and bombarded at this point, being taken advantage of. After 30 days of failure to do some sort of an investigation according to FCRA is grounds for an immediate deletion within itself coupled with the numerous other violations placed in my original dispute that will be listed below. Please help. My next step is to file for some sort of litigation due to the stress and time I have placed into this circumstance without receiving some sort of mitigation.","date_sent_to_company":"2022-03-24T04:30:14.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"5365595","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Linebarger Goggan Blair & Sampson LLP","date_received":"2022-03-24T03:54:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XX/XX/2022 dated on my dispute I will place into file section I <em>request</em> for a signed or some sort of <em>documented</em> <em>proof</em> from a court ruling etc for the alleged debt owed to collections agency. I have not received this verification <em>proof</em> but continue to receive letters demanding I pay on accounts that does not belong to me. I feel as though I am <em>being</em> ran over and bombarded at this point, <em>being</em> taken advantage of."]},"sort":[12.453412,"5365595"]},{"_index":"complaint-public-v1","_id":"9481186","_score":12.416071,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The XXXX XXXX XXXX XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX XXXX XXXX XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents. \n\nThe XXXX accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents. \n\nThe XXXX XXXX XXXX account listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX XXXX XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents. \n\nI'm constantly receiving emails from Experian stating that my request to remove fraudulent identity theft information from my credit report was made in error which is false I'm disputing it because these accounts were opened due to identity theft and XXXX has already removed these accounts from my credit report also, I don't need to submit proof of identification or proof of address with my being a victim of identity theft. This is my third attempt to contact Experian, remove these accounts immediately. I'm submitting all documents and proof of the emails I'm receiving from Experian do the work and work the investigation completely because it's no way XXXX and XXXX are able to see that I'm an identity theft victim and Experian isn't.","date_sent_to_company":"2024-07-12T12:17:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"303XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9481186","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-12T12:17:02.000Z","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":["I have <em>requested</em> that XXXX XXXX XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also <em>other</em> <em>documents</em>."],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[12.416071,"9481186"]},{"_index":"complaint-public-v1","_id":"8694660","_score":12.413255,"_source":{"product":"Debt collection","complaint_what_happened":"Follow up to complaint XXXX. \n\nMLC states that a legally compliant validation response letter was sent. However, this is a bold lie. No complaint validation response letter has ever been received regarding the account identified in complaint XXXX. The consumer is requesting proof of such communication being sent. The consumer has all tracking and signature information to document her requests and receipt by MLC. However, no communication has been received by the consumer from MLC other than the previously provided letter stating MLC intends to cease any further collection actions dated XXXX XXXX. No communication has ever been received noting consumers communication preferences nor validation of debt. Nor has MLC addressed the proof of the FDCPA violations in their response to the previous complaint. Valid, actual proof was attached in the previous complaint but was not addressed by MLC. How is it that MLC can disagree with violations when proof was provided in the complaint? As previously stated, MLC may contact the consumer via the provided number to discuss settlement. If settlement can not be reached the consumer will move forward with filing proper court documents.\n\nMLC has chosen not to address the valid proof of FDCPA violations provided by consumer included in the initial complaint. MLC simply chose not to address the provided facts and stated they disagree. On what grounds does MLC disagree with the violation proof provided?","date_sent_to_company":"2024-04-04T19:51:52.000Z","issue":"Communication tactics","sub_product":"Medical debt","zip_code":"84015","tags":null,"has_narrative":true,"complaint_id":"8694660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mountain Land Collections, Inc.","date_received":"2024-04-04T19:17:48.000Z","state":"UT","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["The consumer is <em>requesting</em> <em>proof</em> of such communication <em>being</em> sent. The consumer has all tracking and signature information to <em>document</em> her <em>requests</em> and receipt by MLC. However, no communication has been received by the consumer from MLC <em>other</em> than the previously provided letter stating MLC intends to cease any further collection actions dated XXXX XXXX. No communication has ever been received noting consumers communication preferences nor validation of debt."]},"sort":[12.413255,"8694660"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":8499,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":8499}]}},"product":{"doc_count":8499,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2720,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2694},{"key":"Other personal consumer report","doc_count":26}]}},{"key":"Debt collection","doc_count":2302,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":608},{"key":"I do not know","doc_count":595},{"key":"Other debt","doc_count":562},{"key":"Auto 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